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All Journal Jurnal Keuangan dan Perbankan JSEH (Jurnal Sosial Ekonomi dan Humaniora) Jurnal Manajemen Teori dan Terapan JEMPER (Jurnal Ekonomi Manajemen Perbankan) Jurnal Ecoment Global: Kajian Bisnis dan Manajemen Target : Jurnal Manajemen Bisnis J-AKSI : JURNAL AKUNTANSI DAN SISTEM INFORMASI Jurnal Genesis Indonesia Jurnal Pengabdian Pada Masyarakat Jurnal Pepadu Jurnal Ilmiah Pengabdian dan Inovasi JPMI Jurnal Pengabdian kepada Masyarakat IPTEKS Income : Digital Business Journal Jurnal Pengabdian Pada Masyarakat IPTEKS
Saputra, Sahdan
Ilmu Komputer, Universitas Bumigora
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Social Sciences Other

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FINTECH, PROFITABILITAS DAN EFISIENSI BANK UMUM KONVENSIONAL DI INDONESIA Saputra, Sahdan; Komala, Rina; Aryani, R. Ayu Ida
JURNAL AKUNTANSI DAN SISTEM INFORMASI Vol 4 No 2 (2023): Edisi Juni 2023
Publisher : Program Studi Akuntansi Fakultas Ekonomika dan Bisnis Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/jaksi.v4i2.5523

Abstract

Tujuan penelitian ini adalah menganalisis dampak financial technology (FinTech) terhadap profitabilitas bank dan peran efisiensi bank dalam memitigasi dampak FinTech terhadap profitabilitas. Sampel sebanyak 40 bank umum tradisional yang terdaftar di Bursa Efek Indonesia (BEI) selama periode 2016-2021 digunakan untuk penelitian ini. Dalam analisis ini, FinTech diukur dengan volume transaksi pinjaman P2P yang dilakukan oleh perusahaan FinTech, profitabilitas diukur dengan return on equity (ROA), dan efisiensi perbankan diukur dengan net interest margin (NIM). Hasil penelitian menunjukkan bahwa FinTech berpengaruh negatif dan signifikan terhadap profitabilitas. Selain itu, penelitian ini menunjukkan bahwa efisiensi bank memitigasi dampak negatif FinTech terhadap profitabilitas bank. Hasil penelitian ini menunjukkan bahwa tingkat efisiensi bank berperan strategis dalam meredam dampak FinTech sebagai pesaing yang dapat menurunkan profitabilitas bank.
Sosialisasi Hukum Tentang Dampak Pernikahan Usia Dini Terhadap Tingkat Perceraian Dimasa Pandemi Covid 19 di Lombok, NTB opan, opansatriamandala; Zubaedi; Sakti, Lanang; Saputra, Sahdan; Hayati, Ridha Nurul; Aprianto, Dedi
Al-Madani: Jurnal Pengabdian Pada MAsyarakat Vol 1 No 2 (2022): Desember: Al-Madani (Jurnal Pengabdian Pada Masyarakat)
Publisher : Institut Agama Islam Hamzanwadi NW Pancor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (293.653 KB) | DOI: 10.37216/al-madani.v1i2.859

Abstract

The number of early marriages in Indonesia has increased dramatically during the Covid-19 pandemic even though the law in Indonesia has regulated the minimum age limit for marriage is 19 years, as stipulated in Law Number 16 of 2019 concerning Amendments to Law Number 1 of 1974. Someone who marries below the limit This age is classified as early marriage. Early marriage is a marriage that is carried out legally by a man or woman who has not had the preparation and maturity so that it is feared that they will experience a number of big risks. This big risk will even be an influence in terms of health during childbirth. This service aims to increase knowledge, understanding and awareness about the factors that lead to early marriage and the impact of early marriage on divorce rates during Covid 19. This service uses the Normative Law method. The approach used is a statutory approach, a conceptual approach and a historical approach. Based on the results of this service, it shows that the factors that cause early marriage are education, family economy, avoiding pregnancies outside of marriage, social media, school closures and the Covid 19 factor and the impact of early marriage on the divorce rate during the Covid 19 era is marriage. Early childhood has a number of negative impacts, especially for women, such as reproductive health and the economy. However, the number actually increased in Indonesia during the Covid-19 pandemic. The number of women marry early correlates with divorce.
Risiko Geopolitik dan Indeks Harga Saham Gabungan Indonesia Saputra, Sahdan; Marswandi, Ega Dwi Putri; Hendri, Wira
Jurnal Ekonomi Manajemen Perbankan Vol 6 No 2 (2024): JEMPER Juli - Desember
Publisher : Prodi Manajemen S1 dan D3 Keuangan & Perbankan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32897/jemper.v6i2.3051

Abstract

The escalating global geopolitical tensions have garnered significant attention from researchers and practitioners. This study investigates the impact of domestic geopolitical risks and the influence of countries with the highest geopolitical index, namely Ukraine, America, Russia, and China, on the Indonesian composite stock price index. Employing geopolitical risk index (GPRH) and geopolitical action (GPRA) data spanning from January 2004 to October 2023, the analysis is based on 238 observations. The findings reveal that Ukraine and America exert a negative and significant influence, while China and Russia demonstrate a positive and significant impact on the index. Moreover, the study underscores that the influence of geopolitical risk on the Indonesian stock market is more pronounced during periods of heightened geopolitical activity, such as escalating conflicts and acts of terror. These results suggest that investors should carefully consider geopolitical risks when making investment decisions.
Integration of Indonesian Stock Market With Stock Market of The Highest Economic Countries Saputra, Sahdan; Hendri, Wira
JURNAL SOSIAL EKONOMI DAN HUMANIORA Vol. 10 No. 4 (2024): JURNAL SOSIAL EKONOMI DAN HUMANIORA
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/jseh.v10i4.727

Abstract

This study aims to analyze the integration between the Indonesian stock market and the stock markets of the world's leading economies, including the United States, China, Japan, Germany, France, India, and Brazil. The approach employed is a quantitative one, using weekly data from 2016 to 2023, with a total of 418 observations. The analytical methods utilized are Johansen and Juselius co-integration to examine long-term integration and pair-wise Granger causality to assess short-term integration. The findings reveal no long-term integration between the Indonesian stock market and the stock markets of the world's leading economies. However, in the short term, the Indian stock market shows some degree of integration with the Indonesian stock market, while the stock markets of other countries do not exhibit such integration. This study contributes to the existing literature on stock market integration. Research on the integration of the Indonesian stock market with those of leading global economies remains limited, making this study an important reference. The findings provide valuable insights for both Indonesian investors and those from leading economies in formulating strategies for international portfolio diversification.
Seni Menyusun Judul Penelitian: Menyederhanakan Ide, Memaksimalkan Makna Saputra, Sahdan; Wira Hendri; Layali Ihyani
Jurnal Pengabdian kepada Masyarakat IPTEKS Vol. 2 No. 1 (2024)
Publisher : Rajawali Media Utama

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This community engagement program, titled "The Art of Composing Research Titles: Simplifying Ideas, Maximizing Meaning," was designed to enhance the ability of students in the Management Program at Bumigora University to formulate effective, relevant, and academically appealing research titles. Employing the Participatory Action Research (PAR) approach, the program involved 20 students and consisted of preparatory surveys, theoretical sessions, and hands-on training. Key topics included the characteristics of strong research titles, title formulation techniques for qualitative and quantitative methods, and practical revision of participants' initial drafts. Post-training evaluations indicated significant improvements, with 90% of participants successfully revising their titles to be more focused and concise. Additionally, 88% reported increased confidence in presenting their research ideas. The program's outcomes demonstrate its effectiveness in addressing students' challenges in title formulation while fostering critical and creative thinking. This initiative emphasizes the importance of structured and interactive learning processes in academic skill development.
Determinants of Net Interest Margin in Conventional Commercial Banking: A Fixed Effect Model Safitri, Erika Zain; Zahrah, Zahrah; Saputra, Sahdan; Anwar, Mohammad Ziad
Target : Jurnal Manajemen Bisnis Vol 6 No 2 (2024): Target : Jurnal Manajemen Bisnis
Publisher : Universitas Bumigora

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30812/target.v6i2.4816

Abstract

Banking is a business entity that collects funds from the public in the form of deposits and distributes them to the public in the form of loans and other services to improve the lives of many people. This study aims to analyze the influence of various factors such as capital adequacy, credit risk and bank size on the net interest margin of conventional banks in Indonesia. The method used in this study was associative quantitative, and secondary data in this study was obtained from the annual financial statements of several conventional banks in Indonesia during the period 2018-2022. Data analysis was conducted using panel data regression analysis to test the effect between independent variables consisting of capital adequacy ratio (CAR), non-performing loans (NPL), and bank size (Size) on net interest margin (NIM). The data was processed using E-Views 12. The results of this study indicate that only capital adequacy has a positive and insignificant effect on NIM, while NPL and bank size have a negative and significant effect on NIM. The findings of this study imply that in order to enhance NIM, companies can optimize CAR, thereby attaining optimal profits and minimizing investment risk. The results of this study also contribute as a reference and an overview of the factors that influence NIM in conventional commercial banks before investing.
An Analysis of University Muhammadiyah Maumere Students’ English Speaking Skill Saputra, Sahdan; Naro, Antonius M. K.; Putri, Velmi Maya
Jurnal Genesis Indonesia Vol. 4 No. 01 (2025): Jurnal Genesis Indonesia
Publisher : The Indonesian Institute of Science and Technology Research

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56741/jgi.v4i01.824

Abstract

This research examines the English-speaking needs of students in the English Department at the University of Muhammadiyah Maumere. Collecting and analyzing data on needs helps the lecturer identify gaps between what has been done and what remains to be done. A needs analysis can help establish and implement language policy with significant implications. In this case, the analysis includes students' speaking levels and investigates students’ wants and needs in speaking English. The participants of this research were students majoring in English Education and Literature Study Program at the University of Muhammadiyah Maumere. This research used a qualitative research design. To find a comprehensive perception of each student, focus group discussion (FGD) is used. The results showed that the existing shortcomings found that student's level of English speaking skills was very low, and students often were afraid to speak because they were worried about making mistakes. Students need presents that students must learn to be brave to speak English at the level of daily communication.  In addition, students’  desire found that students will use English speaking skills for job demands, they prefer pair or group projects in a teaching-learning process, and students prefer lecturers as facilitators and guides to improve speaking skills because they believe that poor speaking skills will have a negative impact on academic performance.
Digitalisasi Manajemen Sistem Dokumen Pengelolaan Perpustakaan Universitas Bumigora Menggunakan Teknologi Radio Frequency Identification (RFID) Hayati, Ridha Nurul; Saputra, Sahdan; Anggraini, Rini
Income : Digital Business Journal Vol. 1 No. 1 (2023)
Publisher : Universitas Bumigora

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30812/income.v1i1.2660

Abstract

Bumigora University developed a web-based library information and data processing system, while the contents of the development of the system were only limited to a single information system in which only admin operators handled the system without any direct interaction with library users, while in the analysis and development of the library system only limited to acquisition and return transactions with a system without involving library human resources, but there are problems that are still often encountered in the management of a library at Bumigora University, there is no guarantee of book safety in the library and the work system of library human resources is not yet optimal. Based on this, a Wireless RFID (Radio Frequency Identification) Technology device is needed. This technology supports the identification of book library reshelving, book libraries, book returns with self-service which is expected to provide more accurate information, improve future library services in addition to complementing security aspects. The purpose of this study is to describe the opportunities for Wireless RFID (Radio Frequency Identification) technology to be applied in the Bumigora University library. This study uses an explanatory theory that must be built by researchers based on general data in observations that must be analyzed, explained and interpreted, and uses qualitative methods. The results show that the use of RFID technology in libraries applies both to university libraries, regional libraries, school libraries and others. The use of RFID by Higher Education Libraries will greatly support the following: a. High Speed ​​Inventory System b. Fast Circulation Process The use of RFID will speed up a borrowing and returning circulation process. Therefore, the application of Wireless RFID (Radio Frequency Identification) Technology in the Bumigora University library is needed to create a safe and professional library management.
Transformasi Pelaporan Akuntansi Realtime Berbasis Blockchain Untuk Perkembangan Bisnis Saputra, Sahdan; Ardiansyah, Lalu Yayan; Hayati, Ridha Nurul
Income : Digital Business Journal Vol. 2 No. 2 (2024)
Publisher : Universitas Bumigora

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30812/income.v2i2.4217

Abstract

Blockchain sebagai teknologi akan mengubah cara transaksi bisnis terjadi dan pihak-pihak mengelola aset melalui internet. Meskipun secara sederhana digambarkan sebagai buku besar yang terdesentralisasi, teknologi ini menghilangkan perantara transaksi, memiliki potensi dalam menyediakan arus barang dan jasa yang efisien dan hemat biaya. Tujuan penelitian ini adalah untuk mengetahui perkembangan pelaporan akuntansi di Indonesia menggunakan sistem blockchain berdasarkan dari analisis studi literatur. Metode yang digunakan adalah kualitatif dengan studi literatur untuk mendapatkan pemahaman yang mendalam tentang implementasi transformasi akuntansi berbasis blockchain. Studi literatur merupakan metode dengan pengumpulan data dengan cara memahami dan mempelajari teori-teori dari berbagai literatur yang berhubungan dengan penelitian tersebut. Hasil penelitian ini adalah penggunaan blockchain dapat mengurangi biaya administrasi pada proses akuntansi tradisional, seperti biaya verifikasi, reconciling, dan pencatatan manual, pada bagian kepatuhan terhadap peraturan pada blockchain terdapat fitur Smart Contracts yang dapat diprogram. Faktor – faktor penggunaan blockchain dalam akuntansi antara lain ketidakpahaman tentang teknologi blockchain, regulasi dan kepatuhan, privasi dan keamanan, biaya implementasi, kesiapan industri dan penerimaan, dan kurangnya kasus penggunaan blockchain yang lebih jelas. Penelitian ini memberikan gambaran terkait implementasi blockchain untuk pelaporan akuntansi secara realtime melalui fitur – fitur yang disediakan blockchain dan faktor – faktor yang mengakibatkan rendahnya implementasi blockchain pada pelaporan akuntansi untuk perkembangan bisnis.
Pendampingan Peningkatan Nilai Tambah Usaha Rumput Laut Masyarakat Pesisir Dusun Badaq Kecamatan Labuhan Haji Kabupaten Lombok Timur Wira Hendri; Syafira Mahfuzi Ardiyati; Rina Komala; Stevany Hanalyna Dethan; Sahdan Saputra; Ahmad Murad
Jurnal Ilmiah Pengabdian dan Inovasi Vol. 1 No. 4 (2023): Jurnal Ilmiah Pengabdian dan Inovasi (Juni)
Publisher : Insan Kreasi Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57248/jilpi.v1i4.179

Abstract

Seaweed is one of the sources of livelihood for fishermen besides catching fish. seaweed has a high economic value for the welfare of the people of Badaq Hamlet, Kertasari Village, East Lombok. In its development, seaweed farmers have experienced a decline in production in the last few years due to various factors including a shift in people's understanding of seaweed, fluctuating prices, and traditional planting methods. The community assistance program carried out by the community service team in collaboration with the local community through the theme of increasing the added value of seaweed businesses in coastal communities tries to solve the problem. The results of the mentoring program showed changes in the way coastal communities grow seaweed efficiently and more modern, the community recognizes and understands the types of seaweed that are suitable for cultivation in their place. 
Co-Authors AHMAD MURAD Alfilail, Nur Arifin, Vanesa Aristanti Baiq Rabiatu Adawiyah Kartika Wulan Dedi Aprianto Ega Dwi Putri Marswandi Febria Nurmelia Marlina Hadi, Heri Sopian Hasina, Zahwaril Komala, Rina Lalu Yayan Ardiansyah Lanang Sakti Layali Ihyani Memy Wardani Elthia Mohammad Ziad Anwar Mubin, Miftahul Naro, Antonius M. K. Nur Alfilail opan, opansatriamandala Putri, Tri Veny Putri, Velmi Maya R. Ayu Ida Aryani Ridha Nurul Hayati Rina Komala Rini Anggraini, Rini Rosidah Alawiyah Safitri, Erika Zain Stevany Hanalyna Dethan Syafira Mahfuzi Ardiyati Wira Hendri Wisudanto Wisudanto Wiwik Wida Farwati Wiya Suktiningsih Zahrah, Zahrah Zubaedi