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TANTANGAN PERTUMBUHAN KREDIT DI ERA NEW NORMAL: ANALISIS PERILAKU BANK KONVENSIONAL DAN SYARIAH PASCA COVID-19 Maidah, Firdaus Al; Chandra, Yulian Ade; Kinanti, Kartika Ayu; Suyono, Aji Prasetyo
Jurnal Ilmu Manajemen (JIMMU) Vol. 9 No. 1 (2024)
Publisher : Magister Manajemen Universitas Islam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33474/jimmu.v9i1.22012

Penelitian ini bertujuan untuk mengisi kesenjangan dalam pemahaman tentang perilaku bank umum konvensional dan syariah di Indonesia selama krisis COVID-19, terutama dalam periode setelah penerapan protokol new normal oleh pemerintah Indonesia. Penelitian ini mengkaji dampak jenis operasi (konvensional atau syariah) pada pertumbuhan kredit bank umum di Indonesia selama periode new normal yang disebabkan oleh COVID-19. Data panel triwulanan dari 54 bank umum (42 konvensional dan 12 syariah) digunakan dari kuartal kedua 2020 hingga kuartal keempat 2022. Hasil analisis menunjukkan bahwa bank umum konvensional memiliki pertumbuhan kredit lebih tinggi dibandingkan bank umum syariah. Pengaruh positif terhadap pertumbuhan kredit terlihat dari ukuran aset dan tingkat modal, terutama di bank konvensional. Jenis operasi bank, profitabilitas dan resiko kredit tidak memiliki pengaruh yang signifikan pada pertumbuhan kredit. Temuan ini memberikan dasar bagi rekomendasi kebijakan, seperti fokus pada bank konvensional untuk pertumbuhan kredit yang berkelanjutan, serta perhatian pada profitabilitas dan efisiensi operasional di bank syariah. This study aims to fill the gap in understanding of the behavior of conventional and Islamic banks in Indonesia during the COVID-19 crisis, especially in the period following the implementation of new normal protocols by the Indonesian government. This study examines the impact of operating type (conventional or Islamic) on commercial bank credit growth in Indonesia during the new normal period caused by COVID-19. Quarterly panel data from 54 commercial banks (42 conventional and 12 Islamic) were used from the second quarter of 2020 to the fourth quarter of 2022. The analysis results indicate that conventional commercial banks exhibit higher credit growth compared to Islamic commercial banks. The positive impact on credit growth is evident from the asset size and capital levels, particularly in conventional banks. The type of bank operations, profitability, and credit risk do not have a significant influence on credit growth. These findings provide the basis for policy recommendations, such as a focus on conventional banks for sustainable credit growth, as well as attention to profitability and operational efficiency in Islamic banks.

Digital Marketing and Branding Training for MSME Products in Lumajang Nareswari, Ayu; Putri, Nur Latifa Isnaini; Suyono, Aji Prasetyo
TGO Journal of Community Development Vol. 2 No. 2 (2024): July - December
Publisher : Trescode Green Organization

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56070/jcd.2024.016

This activity aims to enable MSME actors in Lumajang to understand the importance of digital marketing as an effort to help promote their products through social media and product branding to create a distinctive feature of MSME products in Lumajang Regency. This training aims to improve MSME actors' understanding of digital marketing and product branding, as well as to help them utilize social media and e-commerce to expand market reach. The training method is in the form of presentations and interactive discussions that discuss the use of digital platforms. The results of the training showed an increase in MSME actors' understanding of the importance of digital marketing and product branding. Participants began to understand how to use social media to promote products effectively, reduce marketing costs, and increase competitiveness through a unique and memorable brand image. In conclusion, this training provides significant provisions for MSME to optimize the potential of technology in supporting business development.

Kreatif dengan AI: Tingkatkan Literasi dan Kepatuhan Pajak Kinanti, Kartika Ayu; Chandra, Yulian Ade; Suyono, Aji Prasetyo
Capacitarea : Jurnal Pengabdian Kepada Masyarakat Vol 4 No 3 (2024): September - Desember
Publisher : Universitas Pancasila

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35814/capacitarea.2024.004.03.15

Pengabdian ini bertujuan untuk merancang kampanye pajak yang efektif dengan memanfaatkan kreativitas dan pengunaan teknologi AI dengan bijak sebagai alat untuk meningkatkan literasi dan kepatuhan pajak dengan melibatkan mahasiswa sebagai generasi pajak. Jenis pengabdian yang digunakan adalah pembuatan komik pajak pusat maupun daerah sehingga secara kreatif dapat membantu mempermudah anak muda dalam menambah dan memahami literasi pajak. Metode yang dilakukan adalah tahap pemberian materi secara tatap muka dalam kelas, perencanaan pembuatan komik, pelaksanaan pembuatan komik dan evaluasi berupa penilaian akhir. Hasil pembuatan komik menunjukkan bahwa mahasiswa mampu mengesplorasi kreativitasnya dengan bantuan teknologi AI dan lebih bijak dalam menggunakan AI, terbukti literasi pajak dalam bentuk komik tersampaikan dengan baik dan menarik. Keterbatasan dari kegiatan ini adalah komik yang dihasilkan masih belum terpublikasi di media sosial sehingga belum tersampaikan secara luas, saran kedepannya komik dapat terpublikasi di media sosial sehingga mampu dibaca oleh masyarakat.

CRITICAL ANALYSIS OF THE MANAGEMENT OF ECONOMIC POTENTIAL OF THE TOURISM AND MINING SECTORS IN LUMAJANG REGENCY Suyono, Aji Prasetyo; Chandra, Yulian Ade; Sumardi, Umar
International Journal of Global Accounting, Management, Education, and Entrepreneurship Vol. 5 No. 1 (2024): International Journal of Global Accounting, Management, Education, and Entrepre
Publisher : Sekolah tinggi ilmu ekonomi pemuda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.48024/ijgame2.v5i1.183

Lumajang Regency, located in East Java, has abundant natural resources and has enormous economic potential from the tourism and mining sectors for regional development. However, despite its enormous potential, Lumajang continues to struggle with economic stagnation and social inequality. This shows that the management of its regional potential is still not optimal. This study aims to critically examine the factors that inhibit the effectiveness of regional potential management in Lumajang Regency. This research is a qualitative descriptive study. The samples in this study are various information such as statistical data, qualitative research results, and various other sources of information to be further analyzed synthetically. To improve the economy of the Lumajang community in the tourism sector, the local government can use eight stages to determine the process of developing new products to be implemented in the tourism sector. Regional revenue from the mining sector has also not been able to dominate Locally-Generated Revenue (PAD) revenue and improve the economy of the Lumajang Regency community. Lumajang Regency has not yet maximized its two greatest potentials, namely the economic potential from the tourism and mining sectors. There are still many shortcomings that have not been solved in these two sectors.

The Effect of Profitability and Liquidity on the Value of Infrastructure Sector Companies on the Indonesia Stock Exchange for the 2014-2023 Period Suyono, Aji Prasetyo; Chandra, Yulian Ade; Kinanti, Kartika Ayu
Jurnal Ilmu Manajemen Advantage Vol. 8 No. 2 (2024): Desember 2024
Publisher : Institut Teknologi dan Bisnis Widya Gama Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30741/adv.v8i2.1377

The impact of infrastructure development over the past ten years should have begun to be felt by the community, which is expected to increase company profits and attract investors to make investments. This study aims to determine investment opportunities for companies listed on the Stock Exchange of Indonesia. The data to be processed is ratio data consisting of ROE, Cash Ratio, and Value Ratio from five infrastructure sector companies that are at least one decade old and are included in the Main Board category, namely issuers that are large companies and have a good financial track record. The research methodology is quantitative and makes use of SEM PLS. The study's findings indicate that although the profitability ratio and profitability ratio have increased, this only has a small effect on the Company's Valuation. Therefore, investors should not only focus on paying attention to the company's financial ratios, but also need to pay attention to its business strategy in the future.

Digital Integration In Tax Systems: Literature Review On Enhancing Efficiency And Ensuring Compliance Kinanti, Kartika Ayu; Chandra, Yulian Ade; Suyono, Aji Prasetyo
Assets : Jurnal Ilmiah Ilmu Akuntansi, Keuangan dan Pajak Vol. 9 No. 1 (2025): January 2025
Publisher : Institut Teknologi dan Bisnis Widya Gama Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30741/assets.v9i1.1508

Through a review of the literature, this study seeks to investigate how the digital transition affects tax compliance and efficiency. The application of technology like data analytics, e-filing, and e-payment is part of the digital transformation in tax administration. Based on a thorough analysis of multiple literature sources, it was discovered that these technologies greatly expedite administrative procedures, minimise human error, and improve data management and tax procedures' transparency. Because of the enhanced transparency, taxpayers are better able to comprehend their responsibilities, which encourages improved compliance. In summary, this study emphasises how crucial it is to implement digital technology in order to build a more effective, accountable, and transparent tax system, which will eventually increase tax compliance and collection.

Analysis of the Financial Literacy Level of Generation Z College Students and Its Implications for the Use of Paylater in the Context of Economic Education Suyono, Aji Prasetyo; Chandra, Yulian Ade; Mukhsin, Muhammad
Journal of Social Knowledge Education (JSKE) Vol. 6 No. 2 (2025): May
Publisher : Cahaya Ilmu Cendekia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37251/jske.v6i2.1742

Purpose of the study: Describes the extent to which Gen Z students understand financial literacy and how it is applied to the use of PayLater. Methodology: This study uses a qualitative descriptive approach by providing questionnaires to Gen Z students in the cities of Surabaya, Semarang, Malang, Lumajang, and Jember in April 2025. Main Findings: The results show that the literacy level of Gen Z students is in the medium category. Then, the implication of this literacy level is that many respondents think that the use of paylater tends to influence shopping habits and can also influence lifestyle. Apart from that, regarding perceptions of paylater services as a whole, most respondents tend to choose neutral perceptions rather than positive or negative perceptions. Thus, there needs to be education through formal education, public campaigns, and easy access to financial information for students so that there is a balance between thinking ability and action in terms of financial management. Novelty/Originality of this study: This study develops and expands the theory of financial literacy with Gen Z students as the object of research.

Kreatif dengan AI: Tingkatkan Literasi dan Kepatuhan Pajak Kinanti, Kartika Ayu; Chandra, Yulian Ade; Suyono, Aji Prasetyo
Capacitarea : Jurnal Pengabdian Kepada Masyarakat Vol. 4 No. 3 (2024): September - Desember
Publisher : Universitas Pancasila

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35814/capacitarea.2024.004.03.15

Pengabdian ini bertujuan untuk merancang kampanye pajak yang efektif dengan memanfaatkan kreativitas dan pengunaan teknologi AI dengan bijak sebagai alat untuk meningkatkan literasi dan kepatuhan pajak dengan melibatkan mahasiswa sebagai generasi pajak. Jenis pengabdian yang digunakan adalah pembuatan komik pajak pusat maupun daerah sehingga secara kreatif dapat membantu mempermudah anak muda dalam menambah dan memahami literasi pajak. Metode yang dilakukan adalah tahap pemberian materi secara tatap muka dalam kelas, perencanaan pembuatan komik, pelaksanaan pembuatan komik dan evaluasi berupa penilaian akhir. Hasil pembuatan komik menunjukkan bahwa mahasiswa mampu mengesplorasi kreativitasnya dengan bantuan teknologi AI dan lebih bijak dalam menggunakan AI, terbukti literasi pajak dalam bentuk komik tersampaikan dengan baik dan menarik. Keterbatasan dari kegiatan ini adalah komik yang dihasilkan masih belum terpublikasi di media sosial sehingga belum tersampaikan secara luas, saran kedepannya komik dapat terpublikasi di media sosial sehingga mampu dibaca oleh masyarakat.

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