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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) EKUITAS (Jurnal Ekonomi dan Keuangan) Jurnal Ecoment Global: Kajian Bisnis dan Manajemen Target : Jurnal Manajemen Bisnis ALEXANDRIA: Journal of Economics, Business, and Entrepreneurship J-AKSI : JURNAL AKUNTANSI DAN SISTEM INFORMASI Jurnal Genesis Indonesia Jurnal Pengabdian Pada Masyarakat Jurnal Pepadu Journal of Artificial Intelligence and Digital Business Jurnal Ilmiah Pengabdian dan Inovasi JUAN: Jurnal Pengabdian Nusantara 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 Electrical & Electronics Engineering Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Social Sciences Other

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Geopolitical Risk & Indonesian Stock Market Response Saputra, Sahdan; Dwi Putri Marswandi, Ega; Hendri, Wira
Jurnal Ecoment Global Vol. 8 No. 3 (2023): Edisi Desember 2023
Publisher : Universitas Indo Global Mandiri Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36982/jeg.v8i3.3486

Abstract

Objective: The aim of this research is to determine empirically the impact of geopolitical risk originating from countries with high geopolitical risk and domestic ones on the Composite Stock Price Index in Indonesia. In addition, this research aims to determine the role of geopolitical actions in strengthening or weakening the relationship between geopolitical risk and the Composite Stock Price Index in Indonesia. Design/Methods/Approach: This research uses geopolitical risk index (GPRH) data from countries with the highest geopolitical risk index in the last 3 years and domestic ones consisting of Ukraine, Russia, America, China and Indonesia. Meanwhile, geopolitical action risk (GPRA) is a risk index measured in aggregate from January 2004-October 2023, so the number of observations in this study reached 238. Findings: The findings in the research show that Ukraine and America have a negative and significant influence, while China and Russia have a positive and significant impact on the composite stock price index in Indonesia. Apart from that, this research also found that the influence of geopolitical risk on the composite stock price index in Indonesia is greater when geopolitical actions such as escalation of war and acts of terror occur.   Originality/Value: This research complements several previous studies regarding the impact of geopolitical risk on the Indonesian composite stock price index. Several previous studies have not examined the impact of each country's geopolitical risk on the composite stock price index and how it is moderated by geopolitical action. Practical/Policy implication: The findings in this research prove that countries that have high geopolitical risk have a significant influence on the Composite Stock Price Index in Indonesia. So that investors can use this research as a consideration when investing in the capital market by considering geopolitical risks originating from abroad and domestically.
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.
Economic Policy Uncertainty and Bank Credit Growth in Indonesia Saputra, Sahdan; Hendri, Wira
Jurnal Manajemen Teori dan Terapan| Journal of Theoretical and Applied Management Vol. 17 No. 1 (2024)
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jmtt.v17i1.51312

Abstract

Objective: This study examines the influence of economic policy uncertainty in countries with the largest capital investments in Indonesia, such as Singapore, China, Hong Kong, Japan, the United States, Korea, and the United Kingdom, on the credit growth of commercial banks in Indonesia. Design/Methods/Approach: The sample of this study is all commercial banks in Indonesia from January 2011 to December 2022. This study uses a quantitative approach, using monthly aggregate data on credit growth of commercial banks in Indonesia and economic policy uncertainty data for each country. Hence, the number of observations in this study amounts to 144. This study uses multiple linear regression with the EViews 12 analysis tool. Findings: The findings in this study show that the influence of economic policy uncertainty in the country with the largest capital investment in Indonesia has various influences. Of the several countries that were observed in the study, Japan was one of the countries that had a significant negative impact on the growth of commercial bank credit in Indonesia. Originality/Value: This study complements several previous studies regarding the impact of economic policy uncertainty on Indonesia's micro and macro economy. Studies regarding the impact of economic policy uncertainty on Indonesia's banking credit growth are still limited. Practical/Policy implication: The findings of this study can be used as a reference for banking managers when making decisions such as credit portfolio diversification. By spreading exposure to various sectors and industries, banks can reduce risks related to economic uncertainty in specific sectors. Banking managers need to design products and services that are more creative and adaptive to help banks remain competitive and attract customer interest amidst an uncertain economic situation.  
AKU SENI BISA HITUNG: PELATIHAN AKUNTANSI KREATIF DAN MANAJEMEN KEUANGAN UNTUK GURU DAN SISWA SEKOLAH MENENGAH Ihyani, Layali; Komala, Rina; Wangi, Baiq Larre Ginggit Sekar; Marlina, Febria Nurmelia; Marswandi, Ega Dwi Putri; Saputra, Sahdan
JUAN: Jurnal Pengabdian Nusantara Vol. 2 No. 3 (2025): Juli 2025
Publisher : CV Sentra Nusa Connection

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63545/juan.v2.i3.150

Abstract

This training program aims to enhance accounting understanding and financial literacy through a creative, art-based approach for secondary school teachers and students. The implementation method consists of three phases: (1) an initial needs assessment survey and coordination with schools, (2) development of interactive modules based on financial storytelling, game simulations, and visualizations, and (3) a four-week training program featuring three main sessions (basic accounting, personal financial management, and innovative teaching workshops). Evaluation results indicate a significant improvement in participants’ understanding (students' average post-test score increased to 78 from 45; teachers' score rose to 82 from 58) along with high active participation at a rate of 95%. Key findings demonstrate that creative methods such as games, artistic analogies, and mini projects are effective in making financial concepts more understandable and applicable. The program recommends developing digital modules, integrating them into the school curriculum, and conducting follow-up training to broaden its impact. This training not only enhances financial competence but also paves the way for the development of innovative accounting learning models in educational environments.
Analisis Kinerja Keuangan Pemerintah Daerah dalam Pengembangan Pariwisata Studi pada Dinas Pariwisata Kabupaten Lombok Barat (Tahun 2022–2024) Ihyani, Layali; Saputra, Sahdan; Mubin, Miftahul; Marlina, Febria Nurmelia; Marswandi, Ega Dwi Putri
JURNAL SOSIAL EKONOMI DAN HUMANIORA Vol. 11 No. 2 (2025): JURNAL SOSIAL EKONOMI DAN HUMANIORA
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/jseh.v11i2.815

Abstract

This study analyzes the financial performance of the Tourism Office of West Lombok Regency from 2022 to 2024, focusing on Local Revenue (PAD), expenditure, and fiscal independence ratio. Using a descriptive quantitative analysis of budget realization data supported by regional fiscal policy literature, the research reveals that while tourism-sector PAD increased by 21.1% (2023-2024), achievement reached only 13-14% of targets, indicating unrealistic targets or inefficient revenue collection. The restaurant sector grew significantly (+39.3%), but hotels and entertainment contributed minimally (<7% and <1%, respectively). On the expenditure side, a disparity exists between high operational absorption (97.14%) and low capital expenditure (68.65%), hindering tourism infrastructure development. The regional fiscal independence ratio was critically low (3.48-3.90%), reflecting extreme reliance on central transfers (26-27x PAD). Another key finding is the gap between surging tourist visits (+236% above 2024 targets) and their limited contribution to PAD. The study recommends: (1) optimizing local tax collection through digitization and law enforcement, (2) accelerating capital expenditure by streamlining regulations, and (3) target evaluation based on realistic potential.
Pengaruh Profitabilitas, Harga Komoditas Batubara dan Inflasi terhadap Nilai Perusahaan Widnyana, Ida Bagus Ari; Nirwana, Baiq Nadia; Dethan, Stevany Hanalyna; Jati, L. Jatmiko; Saputra, Sahdan
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 4 (2026): November - January
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i4.3486

Abstract

Indonesia merupakan negara yang kaya akan sumber daya manusia maupun sumber daya alam yang tersedia. Salah satu hasil alam Indonesia yang merupakan komoditi produk ekspor terbesar adalah batubara. Indonesia termasuk sebagai salah satu raja ekspor batu bara dunia, tepatnya pada urutan ke-2 dalam daftar negara pengekspor batu bara terbesar di dunia. Profitabilitas adalah rasio untuk menilai kemampuan perusahaan dalam mencari keuntungan. Rasio ini juga memberikan ukuran tingkat efektivitas manajemen suatu perusahaan dan ditunjukkan oleh laba yang dihasilkan dari penjualan dan pendapatan investasi. Harga batu bara juga berhubungan dengan permintaan dan penawaran di pasar energi global. Ketika permintaan batubara meningkat biasanya karena terjadi pertumbuhan ekonomi yang kuat. Pada saat yang sama, penurunan pasokan batu bara misalnya akibat pembatasan produksi atau gangguan pasokan juga dapat menyebabkan kenaikan harga. Inflasi merupakan fenomena meningkatnya secara umum harga barang dan jasa dalam suatu perekonomian dalam jangka waktu tertentu. Inflasi dapat dapat mempengaruhi nilai suatu Perusahaan.Sample pada penelitian ini adalah 19 perusahaan Pertambangan Batubara yang terdaftar pada BEI pada periode 2017 – 2021. Pengujian terhadap hipotesis pada penelitian ini menggunakan analisis regresi linier berganda menggunakan alat bantu software SPPS. Berdasarkan hasil pengujian profitibilitas berpengaruh negatif signifikan terhadap nilai perusahaan, harga berpengaruh positif terhadap nilai perusahaan, dan inflasi berpengaruh positif terhadap nilai perusahaan.
IMPLEMENTASI AKUNTANSI BERBASIS AKRUAL SEBAGAI MODEL PEMBELAJARAN VOKASIONAL DI MA TARBIYATUL MUSTAFID Ihyani, Layali; Saputra, Sahdan; Marswandi, Ega Dwi Putri; Marlina, Febria Nurmelia; Mubin, Miftahul; Komala, Rina
Jurnal Pepadu Vol 6 No 4 (2025): Jurnal Pepadu
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/pepadu.v6i4.9307

Abstract

This community service activity aims to improve the financial literacy of Social Sciences (IPS) students through the application of accrual-based accounting records, using a participatory socialization method. The background of this activity stems from the phenomenon that accounting education in secondary schools is still predominantly cash-based, making it difficult for students to distinguish between income and cash receipts, resulting in limited experience in recording complex transactions. The identified research gap is the limited study of the implementation of accrual accounting in the context of secondary education, especially among IPS students, even though this competency is highly relevant to modern accounting demands. The activity was carried out at MA Tarbiyatul Mustafid Baturimpang, Narmada District, involving 21 students from Class XII IPS-2. The implementation method consisted of three stages: theoretical explanation, simulation of transaction-recording practices, and evaluation through pre- and post-tests. The results showed a significant increase in students' understanding, with the average pre-test score rising from 45 to 78 in the post-test score. A total of 72% of students were able to apply accrual principles in simple case studies, and 85% of the groups successfully prepared accrual-based financial statements. Participant responses were also very positive, with 88% stating that the material was easy to understand, and 92% expressing interest in practicing it in daily life. The novelty of this activity lies in the integration of accrual practice into students’ daily simulations through a participatory approach, which has rarely been implemented in high school curricula. These findings not only strengthen students’ accounting competencies but also offer an innovative learning model that can be replicated in other schools to support the enhancement of vocational education
Financial Literacy and Behavioral Biases in Cryptocurrency Investment Setianingrum, Rifdha Ayu Dwi; Anggriani, Rini; Saputra, Sahdan; Hendri, Wira; Sidharta, Raden Bagus Faizal Irany
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 1 (2026): Februari - April
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i1.6406

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh financial literacy dan mental accounting terhadap keputusan investasi cryptocurrency dengan overconfidence sebagai variabel moderasi. Jenis penelitian yang digunakan adalah penelitian asosiatif kausal dengan pendekatan kuantitatif, yang bertujuan menjelaskan hubungan sebab-akibat antarvariabel. Data penelitian diperoleh dari data primer melalui penyebaran kuesioner kepada investor cryptocurrency di Kota Mataram. Teknik pengambilan sampel menggunakan purposive sampling dengan jumlah responden sebanyak 96 orang yang memenuhi kriteria sebagai investor aktif. Analisis data dilakukan menggunakan metode Structural Equation Modeling (SEM) berbasis Partial Least Squares (PLS) dengan bantuan perangkat lunak SmartPLS 4.1 untuk menguji model pengukuran dan model struktural secara simultan. Hasil penelitian menunjukkan bahwa financial literacy berpengaruh positif dan signifikan terhadap keputusan investasi cryptocurrency, yang berarti semakin tinggi tingkat literasi keuangan individu, semakin baik kualitas keputusan investasinya. Mental accounting juga terbukti berpengaruh positif dan signifikan terhadap keputusan investasi cryptocurrency, menunjukkan bahwa cara individu mengelola dan mengelompokkan keuangan memengaruhi perilaku investasinya. Namun, pengujian variabel moderasi menunjukkan bahwa overconfidence tidak mampu memoderasi secara signifikan pengaruh financial literacy maupun mental accounting terhadap keputusan investasi cryptocurrency. Temuan ini mengindikasikan bahwa keputusan investasi cryptocurrency lebih dipengaruhi oleh tingkat pemahaman keuangan dan pengelolaan mental individu dibandingkan oleh tingkat kepercayaan diri berlebihan dalam menghadapi risiko investasi aset digital.
THE IMPACT OF FINANCIAL STRESS IN ADVANCED AND DEVELOPING ASIA ON INDONESIA’S STOCK MARKET RETURNS Wira Hendri; Sahdan Saputra
EKUITAS (Jurnal Ekonomi dan Keuangan) Vol 10 No 1 (2026): March
Publisher : Sekolah Tinggi Ilmu Ekonomi Indonesia (STIESIA) Surabaya(STIESIA) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24034/j25485024.y2026.v10.i1.7507

Abstract

This study examines the impact of the Financial Stress Index (FSI) for Advanced Asia and Developing Asia on Indonesia’s equity returns. Monthly data from July 2003 to December 2024, comprising 258 observations, were sourced from the Asia Regional Integration Center (ARIC). The analysis utilized a Vector Autoregression (VAR) model to capture dynamic relationships among the variables. The results indicate that financial stress in Advanced Asia exerts a negative and significant short-term effect on Indonesia’s equity returns. This finding suggests a financial contagion effect, or negative spillover, from advanced Asian economies such as Japan and Australia, which are structurally integrated into the global financial system. In contrast, financial stress in Developing Asia has a positive and significant short-term impact on Indonesia’s equity returns, reflecting a reallocation spillover mechanism in which financial stress in other developing economies prompts investors to reallocate funds to Indonesia, which is perceived as more macroeconomically stable. Domestic financial stress in Indonesia demonstrates a negative but statistically insignificant effect on stock market performance. These findings underscore the need for enhanced cross-regional policy coordination and for implementing adaptive macroprudential measures to strengthen Indonesia’s capital market's resilience against regional financial risk transmission.
Evaluation of SPBE Implementation in Regional Governments: Analysis of the SPBE Index and the Quality of Digital Public Services Layali Ihyani; Sahdan Saputra; Rina Komala; FebriaNurmelia Marlina
JURNAL SOSIAL EKONOMI DAN HUMANIORA Vol. 12 No. 2 (2026): JURNAL SOSIAL EKONOMI DAN HUMANIORA
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/jseh.v12i2.1016

Abstract

This study analyzes the influence of policy (X1), governance (X2), management (X3), and public services (X4) in the Electronic-Based Government System (EBGS) on the Government Digitalization Index. A quantitative approach was employed using multiple linear regression with Stata 17, while modern analysis was conducted using deep learning with the split-sample technique. Model validation was performed using the RMSE and MAE metrics to compare the accuracies of the traditional and modern methods.  The results indicate that all variables have positive and significant effects. Public services (X4) is the most dominant variable, followed by governance (X2), management (X3) and policy (X1). The consistency of the coefficient values in the training and testing data confirmed the high accuracy of the model. Deep learning analysis strengthens the regression findings by showing that policy and governance serve as catalysts that reinforce public services, whereas management functions as a support system that ensures implementation consistency.  Theoretically, the findings support the grand theory of governance, resource-based view (RBV), and public service theory, emphasizing governance, internal capacity, and quality of service as the main pillars of government digitalization. This study provides an empirical contribution to the literature on the key determinants of EBGS success and demonstrates the added value of using deep learning in public policy analysis.
Co-Authors Abdul Muhid Ahdiat Furqan AHMAD MURAD Alfilail, Nur Alpina Damayanti Anggriani, Rini Arifin, Vanesa Aristanti Baiq Nadia Nirwana Baiq Rabiatu Adawiyah Kartika Wulan Dedi Aprianto Ega Dwi Putri Marswandi Ega Dwi Putri Marswandi Febria Nurmelia Marlina FebriaNurmelia Marlina Hadi, Heri Sopian Hasina, Zahwaril Komala, Rina Lalu Yayan Ardiansyah Lanang Sakti Layali Ihyani Layali Ihyani Memy Wardani Elthia Mohammad Ziad Anwar Mubin, Miftahul Naro, Antonius M. K. Nur Alfilail opan, opansatriamandala Putri, Velmi Maya R. Ayu Ida Aryani Raden Bagus Faizal Irany Sidharta Restu Alpiansah Ridha Nurul Hayati Rina Komala Rina Komala Rini Anggraini, Rini Rini Anggriani Rosidah Alawiyah Safitri, Erika Zain Setianingrum, Rifdha Ayu Dwi Sidharta, Raden Bagus Faizal Irany Stevany Hanalyna Dethan Susilo Talidobel Syafira Mahfuzi Ardiyati Tri Veny Putri Wangi, Baiq Larre Ginggit Sekar Widnyana, Ida Bagus Ari Wira Hendri Wisudanto Wisudanto Wiwik Wida Farwati Wiya Suktiningsih Zahrah, Zahrah Zubaedi