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All Journal Jurnal Ekonomi Trisakti Jurnal Manajemen dan Kewirausahaan International Journal of Advanced Multidisciplinary Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi)
Usman, Bachtiar
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Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences

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Strategy For Increasing The Competence and Capability of Financial Literacy of MSMEs Lenggogeni, Lenggogeni; Usman, Bachtiar
International Journal of Advanced Multidisciplinary Vol. 2 No. 2 (2023): International Journal of Advanced Multidisciplinary (July-September 2023)
Publisher : Green Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/ijam.v2i2.277

Abstract

In its efforts to promote financial inclusivity, the Indonesian government has set a goal of achieving a 75% inclusion rate by 2019. However, as accessibility to formal financial services becomes more convenient for the general population, the risks within the financial industry also escalate. Unfortunately, ordinary individuals are ill-prepared for these circumstances as their understanding of financial products remains limited. The primary issues at hand are twofold: firstly, the lack of financial literacy among micro, small, and medium enterprises (MSMEs) and housewives in Indonesia, and secondly, the need for effective strategies to enhance financial literacy among MSMEs and housewives specifically in UMKM Azalea, located in West Jakarta. PKM aims to deliver training, knowledge, and solutions while offering capital resources. The research methodology employed is a descriptive qualitative approach. The outcomes of PKM reveal that there is a significant deficiency in financial literacy among Azlea MSMEs and households, with only 50% possessing adequate knowledge. Strategies for enhancing competency and capability encompass various aspects, including: a) fostering awareness and understanding of diverse financial products and services, b) comprehending the risks associated with financial products, c) ensuring customer protection, and d) cultivating skills in financial management.
PENGARUH FINANCIAL RISK DAN FINANCIAL LEVERAGE YANG DIMODERASI OLEH FIRM SIZE TERHADAP KINERJA KEUANGAN PERBANKAN DI INDONESIA Azura, Amelinda Fairuz; Usman, Bachtiar; Hartini, Hartini
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 8 No 3 (2024): Edisi September - Desember 2024
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v8i3.4477

Abstract

Riset ini memiliki tujuan guna menganalisis Pengaruh Financial Risk dan Financial Leverage yang dimoderasi oleh firm size terhadap kinerja keuangan perbankan di Indonesia. Pada riset ini menggunakan data sekunder yang berasal dari laporan tahunan perusahaan sektor perbankan yang tercatat di Bursa Efek Indonesia (BEI) periode 2018-2022. Pemilihan sampel penelitian memanfaatkan metode purposive sampling, sehingga didapat 44 perusahaan yang hendak periset jadikan sampel. Guna menguji hipotesis, menggunakan analisis regresi berganda melalui pemanfaatan perangkat lunak Eviews 9. Hasil riset memperlihatkan bahwasanya Credit Risk, Operational Risk, dan Liquidity risk berpengaruh signfikan terhadap kinerja keuangan perbankan yang dilakukan pengukuran melalui Return on Assets. Sementara Financial Leverage terbukti tidak memengaruhi kinerja keuangan perbankan. Variabel firm size terbukti mampu memoderasi dan berpengaruh antara variabel Credit Risk, Operational Risk, dan Liquidity risk terhadap kinerja keuangan perbankan. Akan tetapi financial leverage yang dimoderasi oleh firm size memperoleh bukti tidak memengaruhi kinerja keuangan perbankan. Variabel kontrol berupa Inflasi dan Gross Domestic product pun terbukti terbukti berpengaruh terhadap kinerja keuangan perbankan.
PENGARUH VARIABEL SPESIFIK BANK DAN SPESIFIK INDUSTRI TERHADAP KINERJA KEUANGAN PADA PERBANKAN KONVENSIONAL YANG TERDAFTAR DI BURSA EFEK INDONESIA Adi Mahendra, Bagus; Usman, Bachtiar
Jurnal Ekonomi Trisakti Vol. 4 No. 1 (2024): April
Publisher : Lembaga Penerbit Fakultas EKonomi dan Bisnis 

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/jet.v4i1.18784

Abstract

Penelitian ini memiliki tujuan untuk mengkaji pengaruh variabel spesifik bank dan spesifik industri terhadap kinerja keuangan. Variabel independen spesifik bank dalam penelitian ini terdiri dari liquidity risk, credit risk, capital adequacy, expense management, solvency, growth rate, sedangkan market concentration sebagai variabel dari aspek spesifik industri. Variabel dependen dari kinerja keuangan bank direpresentasikan dengan rasio profitabilitas yakni return on asset. Penetapan sampel untuk penelitian melalui purposive sampling pada sektor perbankan konvensional yang terdaftar di Bursa Efek Indonesia dengan sampel berjumlah 38 perbankan. Periode observasi selama 5 tahun dari tahun 2017-2021. Hasil penelitian menunjukkan bahwasanya credit risk dan capital adequacy berpengaruh positif terhadap profitabilitas. Expense management, growth rate, dan market concentration berpengaruh negatif terhadap profitabilitas. Liquidity risk dan solvency tidak berpengaruh terhadap profitabilitas. Penelitian ini dapat dipergunakan sebagai rujukan informasi bagi investor saat hendak mengambil langkah berinvestasi dan diharapkan bermanfaat bagi manajer keuangan bank dalam upaya menumbuhkan kinerja keuangannya dengan melakukan pengalokasian kredit secara lebih besar, menjaga kecukupan modal dan efisiensi, serta mengembangkan inovasi agar meningkatkan daya saing.
EFISIENSI BANK BERPENGARUH NEGATIF TERHADAP KINERJA BANK YANG TERDAFTAR DI BURSA EFEK INDONESIA Mahfi, Lalu Rasyid Ridha; Usman, Bachtiar
Jurnal Ekonomi Trisakti Vol. 4 No. 1 (2024): April
Publisher : Lembaga Penerbit Fakultas EKonomi dan Bisnis 

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/jet.v4i1.19331

Abstract

Penelitian ini memiliki tujuan untuk mengevaluasi variabel-variabel yang memengaruhi kinerja perbankan di sektor perbankan. Sampel penelitian mencakup 37 bank konvensional yang tercatat di Bursa Efek Indonesia dalam rentang waktu 2018-2022. Metode pengambilan sampel yang digunakan adalah purposive sampling, dan evaluasi dilakukan dengan menerapkan pendekatan regresi pada data panel. Variabel independen dalam penelitian mencakup efisiensi bank, kepemilikan asing, kepemilikan institusional, dan risiko kredit bermasalah, variabel kontrol mencakup likuiditas, umur bank, dan pertumbuhan produk domestik bruto, sementara variabel dependennya adalah kinerja bank. Hasil penelitian menunjukkan efisiensi bank memiliki pengaruh negatif signifikan terhadap kinerja bank, kepemilikan asing, kepemilikan institusional, risiko kredit bermasalah, likuiditas, umur bank dan produk domestik bruto tidak berpengaruh signifikan terhadap kinerja bank. Temuan penelitian ini diharapkan dapat menjadi acuan bagi manajer perbankan agar dapat mempertimbangkan faktor efisiensi operasional yang memengaruhi kinerja bank.
THE CONVERGENCE OF ARTIFICIAL INTELLIGENCE, BAYESIAN LEARNING, AND SHARIA PRINCIPLES: A SYSTEMATIC REVIEW OF ISLAMIC FINANCIAL ANALYTICS ANDENTREPRENEURIAL INNOVATION Sidik, Heru Muara; Santosa, Wahyuningsih; Arafah, Willy; Usman, Bachtiar; Gunawan, Indra; Mulyadi, Mulyadi; Khan, Muhammad Dawud Arif
Jurnal Manajemen dan Kewirausahaan Vol. 28 No. 1 (2026): MARCH 2026
Publisher : Management Study Program, Faculty of Business and Economics, Petra Christian University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.9744/jmk.28.1.49-64

Abstract

This study systematically reviews the convergence of Artificial Intelligence (AI), Bayesian learning, and Sharia principles within the domain of Islamic financial analytics and entrepreneurial innovation. Using the PRISMA protocol, 523 records were initially identified from Scopus and Web of Science databases, resulting in 68 studies that met the inclusion criteria. The review applies the PICOS framework to guide the research questions, focusing on AI applications, methodological integration, and the ethical alignment of Bayesian inference with Sharia law. The findings reveal that while AI has been increasingly applied to enhance financial inclusion, risk assessment, compliance automation, and operational efficiency in Islamic finance, Bayesian learning methods remain underutilized. Most existing research focuses on general AI models, such as machine learning and predictive analytics, but lacks probabilistic frameworks that reflect Sharia's ethical treatment of uncertainty (gharar) and speculation (maysir). Furthermore, the literature shows limited integration of maqasid al-Shariah (objectives of Islamic law) as performance indicators, insufficient comparative studies with conventional finance, and fragmented methodological coherence. This review highlights the need for the development of Bayesian-Sharia alignment frameworks and adaptive governance models that integrate ethical transparency with analytical rigor. Future research directions include AI ethics grounded in Islamic epistemology, AI-assisted issuance of fatwas, probabilistic compliance modeling, and the establishment of unified regulatory standards for intelligent Islamic finance systems. The study concludes that harmonizing technological innovation with spiritual accountability can position Islamic finance as a model for sustainable, transparent, and ethically driven global financial development.
Co-Authors Adi Mahendra, Bagus Azura, Amelinda Fairuz Hartini Indra Gunawan Khan, Muhammad Dawud Arif Lenggogeni, Lenggogeni Mahfi, Lalu Rasyid Ridha Mulyadi Mulyadi Santosa, Wahyuningsih Sidik, Heru Muara Willy Arafah, Willy