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All Journal Jurnal Media Wahana Ekonomika EKUITAS (Jurnal Ekonomi dan Keuangan) JBMR: Journal of Business and Management Review ENDLESS : International Journal of Future Studies
Isnurhadi
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences

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The Effect of Business Cycle, Income Diversification, and Financial Ratios on Bank Risk in the ASEAN Region Ridho Sahputra, Muhammad; Adam , Mohamad; Muizzuddin; Isnurhadi
Journal of Business and Management Review Vol. 5 No. 6 (2024): (Issue-June)
Publisher : Profesional Muda Cendekia Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47153/jbmr.v5i6.990

Abstract

Research Aims: This research aims to analyze the influence of the business cycle, income diversification, and financial ratios as proxied by profitability and liquidity on the level of banking risk adjustment in ASEAN in the 2020-2022 period. Design/methodology/approach: The research used a sample of 93 banks in the ASEAN region. Sample selection applied purposive sampling techniques based on certain criteria in the Philippines, Indonesia, Malaysia, Singapore, Thailand and Vietnam. The estimation technique used is the Ordinary Least Square method on panel data to analyze the model being built. Research Findings: Research shows that the relationship between the business cycle and bank risk is negative. This means that when the economy is in a contraction phase, bank risk will decrease and vice versa. Then, banks that diversify their income can reduce bank risk. On the other hand, the influence of profitability and liquidity has a negative effect, meaning that a high level of income accompanied by liquid bank assets has the potential to reduce the level of bank risk. Apart from that, there are several other aspects that banks need to pay attention to in anticipating emerging risks, including previous year's credit risk, business size, loan loss reserves, asset growth and financial freedom. Theoretical Contribution/Originality: The originality of the research lies in its comprehensive approach to analyzing the impact of business cycles, income diversification, and financial ratios on bank risk in the ASEAN region. The study's methodology, variables, and empirical evidence all contribute to its originality and relevance to the existing literature Keywords: Revenue Diversification, Liquidity, Profitability, Bank Risk, Business Cycle
Kompetensi Dan Kepuasan Kerja Terhadap Disiplin Kerja Melalui Komitmen Organisasi Arafat, Abdullah Ammar; Isnurhadi; Hadjri, Muhammad Ichsan; Zunaidah, Zunaidah; Malinda, Shelfi
Jurnal Media Wahana Ekonomika Vol. 21 No. 4 (2025): Jurnal Media Wahana Ekonomika, Januari 2025
Publisher : Universitas PGRI Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31851/jmwe.v21i4.17749

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ABSTRAK   Penelitian ini bertujuan untuk mendapatkan bukti empiris pengaruh kompetensi terhadap disiplin kerja, kepuasan kerja terhadap disiplin kerja, kompetensi terhadap komitmen organisasi, kepusan kerja terhadap komitmen organisasi, komitmen organisasi terhadap disiplin kerja, kompetensi terhadap disiplin kerja melalui komitmen organisasi, dan kepuasan kerja terhadap disiplin kerja melalui komitmen organisasi. Dengan pengaplikasian statistic deskriptif menggunakan data kuantitatif dan SEM (Structural Equation Model) dan aplikasi Smart PLS Versi 4, dengan jumlah sampel 83 orang Karyawan Hotel Batiqa Palembang. Ditemukan Adanya pengaruh yang positif dan signifikan antara kepuasan kerja terhadap disiplin kerja, kepuasan kerja terhadap komitmen organisasi, komitmen organisasi terhadp disiplin kerja, dan kepuasan kerja terhadap disiplin kerja melalui komitmen organisasi. Terdapat pengaruh positif dan tidak signifikan kompetensi terhadap disiplin kerja dan kompetensi terhadap disiplin kerja melalui komitmen organisasi. Kata Kunci: Kompetensi, Kepuasan kerja, Komitmen Organisasi, Disiplin kerja   ABSTRACT   This study aims to obtain empirical evidence of the influence of competence on work discipline, job satisfaction on work discipline, competence on organizational commitment, work satisfaction on organizational commitment, organizational commitment on work discipline, competence on work discipline through organizational commitment, and job satisfaction on work discipline through organizational commitment. This study used descriptive statistics with quantitative data and SEM (Structural Equation Model) with the Smart PLS Version 4 application, with a sample size of 83 employees of the Batiqa Hotel Palembang. It was found that there was a positive and significant influence between job satisfaction on work discipline, job satisfaction on organizational commitment, organizational commitment on work discipline, and job satisfaction on work discipline through organizational commitment. There was a positive and insignificant effect of competence on work discipline and competence on work discipline through organizational commitment. Keywords : Competence, Job Satisfaction, Organizational Commitment, Work Discipline
FINANCIAL RISK AND EARNING MANAGEMENT: EMPIRICAL EVIDENCE FROM BANKS IN ASEAN COUNTRIES Putri, Nyayu Khalilah; Adam, Mohamad; Isnurhadi; Mu'izzuddin
EKUITAS (Jurnal Ekonomi dan Keuangan) Vol 9 No 2 (2025): June
Publisher : Sekolah Tinggi Ilmu Ekonomi Indonesia (STIESIA) Surabaya(STIESIA) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24034/j25485024.y2025.v9.i2.6951

Abstract

Earnings management practices in the banking sector are critical due to their impact on financial reporting transparency and economic stability. Factors such as Non-Performing Loans (NPL), Loan Deposit Ratio (LDR), Bank Operating Costs to Operating Income Ratio (BOPO), Capital Adequacy Ratio (CAR), and Leverage (LEV) can influence managerial decisions related to profit reporting. Therefore, this study aims to identify the factors influencing earnings management practices in the banking sector, focusing on financial risk indicators. A panel data regression analysis using STATA was applied to banks across six ASEAN countries during 2019–2023. It also controlls for external variables such as bank size, inflation, and GDP.  Its results show that LDR, CAR, and LEV significantly impact earnings management. While NPL, BOPO, and bank size do not affect earning management. Additionally, macroeconomic factors like inflation and GDP affect financial reporting. The findings emphasize the importance of transparency in financial reporting to maintain public and investor trust, which is essential for the banking sector's stability. This research addresses the urgent need to detect key risk factors driving earnings manipulation, offering empirical evidence to guide regulators in strengthening governance and oversight across ASEAN banking institutions.
Increasing Entrepreneurship Competency Through Digital Marketing Training for the Entrepreneurs in Malaysia Hadjri, Muhammad Ichsan; Isnurhadi; Siregar, Lina Dameria; Mulyadi; Yaacob, Zulnaidi
ENDLESS: INTERNATIONAL JOURNAL OF FUTURE STUDIES Vol. 6 No. 3 (2023): ENDLESS: International Journal of Future Studies
Publisher : Global Writing Academica Researching & Publishing

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Abstract

Currently, digital marketing is very important for the growth of businesses and companies. This is of course very relevant considering that currently the number of internet users is increasing. It is felt that digital marketing can help business owners reach customers more easily, increase sales, and make branding easier for all types of businesses (both small and large scale). Internet technology is an instrument that can promote business effectively and efficiently and help business sustainability because it allows businesses to reach a wider market share and this is done quickly. Responsive digital marketing has enabled business owners to promote their products online. The advantages of digital marketing for businesses and companies encompass effortless connectivity with online consumers, enhanced sales conversions tailored to specific target audiences, cost-effective marketing expenditures, real-time consumer service capabilities, and the capacity to augment the sales efficacy of their products. The participants for this community service activity are the entrepreneurs in Malaysia. The number of participants in this community service activity is 30 people in Balik Pulau Area, Penang, Malaysia. Most entrepreneurs in the Balik Pulau Area, Penang, Malaysia have not done digital marketing. They do not have social media to do digital marketing yet. After carrying out community service activities, entrepreneurs already have social media and understand the basics of digital marketing, especially using social media to market their products.
Co-Authors Adam , Mohamad Arafat, Abdullah Ammar Lina Dameria Siregar Malinda, Shelfi Mohamad Adam Mu'izzuddin Muizzuddin MULYADI Putri, Nyayu Khalilah Ridho Sahputra, Muhammad Yaacob, Zulnaidi Zunaidah Zunaidah