Garuda - Garba Rujukan Digital

The Effect of Risk Profile, Profitability, and Capital on Profit Growth of Indonesian Digital Banks Yulianingsih, Tanti; Listiana, Erna; Malini, Helma; Wendy; Giriati
Ilomata International Journal of Management Vol. 5 No. 1 (2024): January 2024
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52728/ijjm.v5i1.981

Digital Bank is a bank innovation that is very popular today because it provides convenience in transactions. The large number of digital bank enthusiasts makes researchers interested in researching the health of digital banks. This study will investigate how much influence the bank's health level has on the profit growth of digital banks, as measured by the risk profile using NPL and LDR indicators, GCG with institutional ownership, Profitability with ROA indicators, and Capital with CAR indicators. This study utilized panel data regression analysis techniques. The Population in this study are all digital banks registered on IDX, and sampling was performed using purposive sampling techniques, so there are nine banks as a sample from 20 banks. Secondary data research using documentation study methods and literature studies for data collection. This study relies on financial statements obtained from the official web pages of every digital bank and www.idx.co.id as its data source. The research results obtained are ROA was discovered to have a statistically significant positive impact on profit growth, while NPL, LDR, CAR, and GCG had no impact. LDR and ROA were discovered to have a statistically significant positive impact on GCG, whereas NPL and CAR had no impact. According to indirect testing, GCG could not mediate the relationship between NPL, LDR, ROA, and CAR on profit growth.

The Effect of Risk Profile, Profitability, and Capital on Profit Growth of Indonesian Digital Banks Yulianingsih, Tanti; Listiana, Erna; Malini, Helma; Wendy; Giriati
Ilomata International Journal of Management Vol. 5 No. 1 (2024): January 2024
Publisher : Yayasan Ilomata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52728/ijjm.v5i1.981

Digital Bank is a bank innovation that is very popular today because it provides convenience in transactions. The large number of digital bank enthusiasts makes researchers interested in researching the health of digital banks. This study will investigate how much influence the bank's health level has on the profit growth of digital banks, as measured by the risk profile using NPL and LDR indicators, GCG with institutional ownership, Profitability with ROA indicators, and Capital with CAR indicators. This study utilized panel data regression analysis techniques. The Population in this study are all digital banks registered on IDX, and sampling was performed using purposive sampling techniques, so there are nine banks as a sample from 20 banks. Secondary data research using documentation study methods and literature studies for data collection. This study relies on financial statements obtained from the official web pages of every digital bank and www.idx.co.id as its data source. The research results obtained are ROA was discovered to have a statistically significant positive impact on profit growth, while NPL, LDR, CAR, and GCG had no impact. LDR and ROA were discovered to have a statistically significant positive impact on GCG, whereas NPL and CAR had no impact. According to indirect testing, GCG could not mediate the relationship between NPL, LDR, ROA, and CAR on profit growth.

The Influence of Transformational Leadership and Organizational Justice on Intention to Stay with Mediated Work Engagement Saputra, Gregorius Deri; Giriati; Hasanudin; Shalahuddin, Ahmad
Ilomata International Journal of Management Vol. 6 No. 2 (2025): April 2025
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v6i2.1507

Good leadership and organizational justice will increase the desire to stay in the company, and job attachment will reinforce this. This study analyzes the effect of transformational leadership and organizational justice on intention to stay, mediated by job attachment. This study uses quantitative methods, with a population of CU employees in West Kalimantan and a sample of 202 people taken through probability sampling with a purposive sampling technique. Data analysis tools using Smart PLS 4.0. used to process data and perform analysis steps. The results showed that transformational leadership does not directly affect the intention to stay but significantly affects job attachment. Job attachment also mediates the relationship between transformational leadership and organizational justice on intention to stay.

Determinants of Personal Financial Distress: Testing the Interaction Effect of Financial Self-efficacy Angelica, Cinthia; Heriyadi; Wendy; Giriati; Mustaruddin
Ilomata International Journal of Management Vol. 6 No. 2 (2025): April 2025
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v6i2.1514

Several students face financial distress that impacts their performance, mental health, academic progress, and difficulty achieving their financial obligations. Some factors, such as differential needs, cause females to have higher levels of personal financial distress than males. Financial Literacy affects the level of personal financial distress among undergraduate students. Lack of financial Literacy, uncertain income, and excessive anxiety can cause some mistakes in making financial decisions and end up with personal financial distress. This study aims to ascertain correlation between gender, income, anxiety, financial literacy and personal financial distress, and examines the moderating effect of financial self-efficacy. This study using quantitative research methodology, the data was tested using SPSS software. The findings of this study indicate that low income, anxiety, and financial literacy significantly affect personal financial distress. financial self-efficacy only moderates the relationship between financial literacy and personal financial distress. Undergraduate students with high financial literacy supported with high financial self-efficacy can reduce their risk of experiencing personal financial distress. Educational institutions can use these findings to design financial education programs to improve student welfare. This study is limited by the sample may not represent the wider population. For future researchers are recommended to using a larger scope of respondents and more predictors.

Boosting Profitability Through Green Finance, CSR, and Capital Structure: The Moderating of The Board of Directors Amiarti, Dela; Fahruna, Yulyanti; Wendy; Giriati; Mustaruddin
Ilomata International Journal of Management Vol. 6 No. 2 (2025): April 2025
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v6i2.1537

This study aims to examine the effects of implementing green finance, corporate social responsibility (CSR), and capital structure on profitability, with the board of directors as a moderating variable. The research focuses on energy sector companies listed on the Indonesia Stock Exchange (IDX) from 2019 to 2023. The combination of green finance with corporate social responsibility (CSR) in this study is uncommon in previous studies. In this case, green finance is more concerned with the environment, whereas corporate social responsibility (CSR) is more focused on social issues. Conducted as a quantitative study, the sample selection employed purposive sampling. Secondary data was collected from annual reports and sustainability reports, accessed via www.idx.co.id and the respective companies' official websites The study’s findings reveal that green finance does not significantly impact profitability, while CSR has a positive and significant effect on profitability. Capital structure, on the other hand, has a significant negative impact on profitability. As a moderating variable, the board of directors does not moderate the relationship between green finance and profitability. However, it weakens the positive impact of CSR on profitability and strengthens the negative impact of capital structure on profitability. The implications of this study provide empirical insights into the influence of green finance, CSR, and capital structure on profitability levels. Additionally, the interaction effect analysis suggests that the board of directors plays a strategic role in decision-making related to resource allocation with a sustainability orientation.

The Influence of Transformational Leadership and Organizational Justice on Intention to Stay with Mediated Work Engagement Saputra, Gregorius Deri; Giriati; Hasanudin; Shalahuddin, Ahmad
Ilomata International Journal of Management Vol. 6 No. 2 (2025): April 2025
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v6i2.1507

Good leadership and organizational justice will increase the desire to stay in the company, and job attachment will reinforce this. This study analyzes the effect of transformational leadership and organizational justice on intention to stay, mediated by job attachment. This study uses quantitative methods, with a population of CU employees in West Kalimantan and a sample of 202 people taken through probability sampling with a purposive sampling technique. Data analysis tools using Smart PLS 4.0. used to process data and perform analysis steps. The results showed that transformational leadership does not directly affect the intention to stay but significantly affects job attachment. Job attachment also mediates the relationship between transformational leadership and organizational justice on intention to stay.

Determinants of Personal Financial Distress: Testing the Interaction Effect of Financial Self-efficacy Angelica, Cinthia; Heriyadi; Wendy; Giriati; Mustaruddin
Ilomata International Journal of Management Vol. 6 No. 2 (2025): April 2025
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v6i2.1514

Several students face financial distress that impacts their performance, mental health, academic progress, and difficulty achieving their financial obligations. Some factors, such as differential needs, cause females to have higher levels of personal financial distress than males. Financial Literacy affects the level of personal financial distress among undergraduate students. Lack of financial Literacy, uncertain income, and excessive anxiety can cause some mistakes in making financial decisions and end up with personal financial distress. This study aims to ascertain correlation between gender, income, anxiety, financial literacy and personal financial distress, and examines the moderating effect of financial self-efficacy. This study using quantitative research methodology, the data was tested using SPSS software. The findings of this study indicate that low income, anxiety, and financial literacy significantly affect personal financial distress. financial self-efficacy only moderates the relationship between financial literacy and personal financial distress. Undergraduate students with high financial literacy supported with high financial self-efficacy can reduce their risk of experiencing personal financial distress. Educational institutions can use these findings to design financial education programs to improve student welfare. This study is limited by the sample may not represent the wider population. For future researchers are recommended to using a larger scope of respondents and more predictors.

Boosting Profitability Through Green Finance, CSR, and Capital Structure: The Moderating of The Board of Directors Amiarti, Dela; Fahruna, Yulyanti; Wendy; Giriati; Mustaruddin
Ilomata International Journal of Management Vol. 6 No. 2 (2025): April 2025
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v6i2.1537

This study aims to examine the effects of implementing green finance, corporate social responsibility (CSR), and capital structure on profitability, with the board of directors as a moderating variable. The research focuses on energy sector companies listed on the Indonesia Stock Exchange (IDX) from 2019 to 2023. The combination of green finance with corporate social responsibility (CSR) in this study is uncommon in previous studies. In this case, green finance is more concerned with the environment, whereas corporate social responsibility (CSR) is more focused on social issues. Conducted as a quantitative study, the sample selection employed purposive sampling. Secondary data was collected from annual reports and sustainability reports, accessed via www.idx.co.id and the respective companies' official websites The study’s findings reveal that green finance does not significantly impact profitability, while CSR has a positive and significant effect on profitability. Capital structure, on the other hand, has a significant negative impact on profitability. As a moderating variable, the board of directors does not moderate the relationship between green finance and profitability. However, it weakens the positive impact of CSR on profitability and strengthens the negative impact of capital structure on profitability. The implications of this study provide empirical insights into the influence of green finance, CSR, and capital structure on profitability levels. Additionally, the interaction effect analysis suggests that the board of directors plays a strategic role in decision-making related to resource allocation with a sustainability orientation.

PENGARUH KINERJA KEUANGAN TERHADAP RETURN SAHAM DENGAN TINGKAT SUKU BUNGA SEBAGAI VARIABEL MODERASI PADA BANK UMUM YANG TERDAFTAR DI BURSA EFEK INDONESIA Sumitro; Giriati
Business, Economics dan Entrepreneurship Vol 6 No 2 (2024): Business, Economics and Entrepreneurship
Publisher : Institut Shanti Bhuana, Program Studi Kewirausahaan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46229/bee.v6i2.965

Abstrak This study aims to analyze the influence of financial performance on stock returns of commercial banks listed on the Indonesia Stock Exchange (IDX) during the 2019–2023 period, with interest rates as a moderating variable. Financial performance is measured using Return on Assets (ROA), Loan to Deposit Ratio (LDR), and Non-Performing Loan (NPL). The data utilized are quantitative, sourced from corporate financial reports and relevant macroeconomic data. The analysis was conducted using statistical methods with moderation regression testing. The results indicate that ROA and LDR have a significant positive impact on stock returns, while NPL has a significant negative impact. Interest rates were found to moderate the relationship between these variables and stock returns. Specifically, higher interest rates weaken the positive relationship between ROA and LDR with stock returns and exacerbate the negative effect of NPL on stock returns. This study provides practical implications for investors in making investment decisions and for bank management in managing financial performance and risk. Keywords: financial performance, stock returns, interest rates, ROA, LDR, NPL

Apakah Attractiveness of Rucas Endorser Berpengaruh terhadap Attitude dan Purchase Intention? Syarifah Siti Wartini; Giriati; Erna Listiana; Barkah; Ana Fitriana
Jurnal Akutansi Manajemen Ekonomi Kewirausahaan (JAMEK) Vol 5 No 1 (2025): Edisi Januari 2025
Publisher : Forum Kerjasama Pendidikan Tinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/jamek.v5i1.1675

Marketing strategies can be designed to reach a wider audience by utilizing various communication platforms, such as online promotions and content marketing. The unique content approach used by Rucas, namely highlighting unconventional advertising models, has succeeded in getting a positive response from users of social media platforms. This study analyzes how the success of the Rucas brand is influenced by the appeal of supporters perceived by social media users, which can then influence Purchase Intention with Attitudes toward advertising and the brand as mediating variables. This study involved a population of all individuals who knew about Rucas brand advertisements on social media, with a sample size of 225 respondents selected through purposive sampling. Data collection was conducted by distributing questionnaires via social media platforms. The hypothesis in this study will be tested using a causal approach and Structural Equation Modeling (SEM).The results showed that the appeal of supporters had a significant effect on Attitudes towards advertising and brands, which influenced Purchase Intention. However, supporters' appeal did not positively Impact Purchase Intention unless mediated by the Attitude variable. This study provides important implications for marketing strategies, especially in choosing the right Endorser to increase Purchase Intention

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