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All Journal Jurnal Keuangan dan Perbankan JAS (Journal of ASEAN Studies) Journal of Economics, Business, & Accountancy Ventura Economics and Finance in Indonesia Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences
Moch. Doddy Ariefianto
Department Of Accounting, BINUS Graduate Program-Master Accounting, Bina Nusantara University, Jl. Kyai H. Syahdan No.9, Jakarta, 11480
Religion Arts Humanities Economics, Econometrics & Finance Social Sciences

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 1 
The Behavior of the Post-Crises Indonesian Banking Industry (An Analysis Based on Oligopoly Theory and Dynamic Panel Data Econometrics) Ariefianto, Moch. Doddy
Economics and Finance in Indonesia Volume 58, Number 3, 2010
Publisher : Institute for Economic and Social Research

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (28.873 KB) | DOI: 10.47291/efi.v58i3.51

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The role of structural factors in real interest rate behaviour: A cross-country study Ariefianto, Moch. Doddy; Trinugroho, Irwan
Jurnal Keuangan dan Perbankan Vol 24, No 3 (2020): July 2020
Publisher : UNIVERSITY OF MERDEKA MALANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jkdp.v24i3.4777

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Real Interest Rate (RIR) has a profound impact on the well-functioning of any economy hence a good understanding of its behavior is a key policy element. Using a Keynesian framework, we model and empirically test the relationship of RIR to selected structural variables namely inequality, dependency, financial depth, and institutional set up. We employ a panel dataset comprised of 115 countries with annual frequency from the period 2000 to 2018. Considering the structure of the dataset and possible endogeneity in the model; System GMM is used to estimate regressions parameters. We found that inequality and dependency do not have a significant influence on RIR. Financial development contributes to improving efficiency while institutional set up has a quadratic relationship with RIR. The better institution first increases RIR; after passing a certain cut off; further institution development would improve efficiency. RIR is found to be significantly procyclical. Further elaboration on the model; also revealed two different global RIR regimes with 2008 as threshold. There is also a significant counter cycle impact of financial development: negative interaction effect with the business cycle. JEL Classification: C23, E43, E32, O43 DOI: https://doi.org/10.26905/jkdp.v24i3.4777
BEHAVIOR OF FUNDING AND LENDING PRICING OF INDONESIAN BANKS: EVIDENCE FROM AGGREGATE POST CRISIS DATA Soenartomo Soepomo; Moch. Doddy Ariefianto
Jurnal Keuangan dan Perbankan Vol 17, No 3 (2013): September 2013
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (205.679 KB) | DOI: 10.26905/jkdp.v17i3.763

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The study aimed to reveal the behavior of lending and funding pricing (deposit interest rate and loan interestrate) of Indonesian banks after the great crisis in 1998. Specifically the research design aimed to uncover theform of interaction (state of equilibrium) and factors that might influence the state of equilibrium. We used amodel developed by Niehans (1978) and De Grauwe (1982) as a point of departure to address the researchproblem. There were 12 variables used in a simultanous equation econometric model that would be estimated byusing 4 different techniques namely GMM TS, GMM CS, 3SLS and SUR. Two variables namely price ofdeposit and price of loan were treated as endogenous. We also considered the impact of deposit insuranceadoption that was took place in September 2005.The empirical findings showed that the slopes of DD and LLequation were largely consistent with the hypotheses. The parameters were positive and statistically significant.However the numerical value of LL slope that was greater than the other one and comparable to DD slopehad raised a concern for the stability attainment. The most important variables (based on their magnitude andstatistical significance) found to affect the constellation were business prospect, system size, exchange rate,operational cost and profitability. In the second tier of importance, we found that monetary policy instruments(policy rate differential and base money supply), quality of loan, capital and total liquidity affected the systemin various degrees.
MICRO FINANCING SCHEME BASED ON OPTIMIZATION OF NETWORK (MFS-ON): APROPOSED IMPROVEMENT ON CURRENT PRACTICES Soenartomo Soepomo; Moch. Doddy Ariefianto
Jurnal Keuangan dan Perbankan Vol 15, No 3 (2011): September 2011
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (205.432 KB) | DOI: 10.26905/jkdp.v15i3.1030

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One important method in reducing poverty was through finance.The poor were lack of qualification andcapacity to borrow from formal financial sector. Therefore they should resort their financing needs to informalsources albeit very high cost implication.This dependency in turn would disrupt their productive capacitysincethe interest was very high. We focus on special segment of theproductive poor. We reviewed various financingscheme that widely practiced both domestically and globally. We perceived that existing schemes were inadequatefrom several perspectives: (1) partial nature, (2) substandard business practices, (3) lack of cooperationand (4) limited coverage. We proposed an alternative financing scheme.The spirit of the approach emphasizedthe critical role of self-sufficiency of Microfinance Institution (MFI). Through self sufficiency, MFI coulddevelop a healthy business with reasonable rate of return. In addition to self sufficiency, first, the proposal alsoincluded financing from private sector through mobilization of Corporate Social Responsibility (CSR) funds.The funding sources became broad and economics scale could be achieved. Second, the proposal improved risksharing mechanism by introducing the regional government banks as well as insurers. Third, the proposalmade the distribution channel optimum by involvement of society elements
THE ROLE OF FINANCIAL STRUCTURE, BUSINESS DRIVE, BUSINESS ENVIRONMENT ON DECISION TO USE AN EXTERNAL AUDITOR ON SMES: EVIDENCE FROM ASEAN COUNTRIES Jonathan Jonathan; Moch. Doddy Ariefianto; Rindang Widuri
JAS (Journal of ASEAN Studies) Vol. 9 No. 2 (2021): Journal of ASEAN Studies
Publisher : Centre for Business and Diplomatic Studies (CBDS) Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/jas.v9i2.7070

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The research examined the role of financial structure, business drive, and business environment that resulted in external audit service adoption in small and medium-sized enterprises (SMEs) within ASEAN countries. Source of data were from the 2015 and 2016 World Bank Enterprise Survey. The research discovers that external audit service adoption is significantly influenced by financial structure, business motivation, and business environment. Additionally, we take into account a number of control variables, including sales, ownership structure, industry sector, and country of origin. The findings indicate a significant positive correlation between sales, ownership structure (partnership vs. sole proprietorship), and external audit adoption for SMEs. From a country-of-origin perspective, it is concluded that audit adoption is significantly higher in Malaysia and the Philippines than in Vietnam. However, audit adoption in Indonesia is significantly lower than in Vietnam, both in terms of awareness and implementation. Other points of interest can be seen in the interaction regression between countries, which indicates the degree of complexity associated with audit adoption when country of origin is taken into account. One significant policy implication is that SMEs can leverage external auditor services to support their growth and, in turn, the economy of the corresponding country.
ANALYSIS OF MARKET DISCIPLINE MECHANISM IN INDONESIA BANKING INDUSTRIES Moch. Doddy Ariefianto; Yuswanto Yuswanto
Journal of Economics, Business, & Accountancy Ventura Vol 16, No 2 (2013): August 2013
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jebav.v16i2.180

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The market discipline is considered an important element for creating a sound and efficient operation ofthe banking industry. It can be shown by the response of investors and depositors of the business operationsand management in relation to the risk of a bank. Theoretically, there are hypotheses must be accomplishedin order to effectively market discipline occurs. The first hypothesis, whether the marketdiscipline provides a signal for of banks regarding the existence of a certain conditions which is inconsistentwith sound and efficient bank and business operation (Disciplining Signal Hypotheses; DSH).The second, bank management will respond to the signal by making efforts towards the implementationfor correction on the business in line with expectations (Corrective Response Hypotheses; CRH). Theverification used the empirical accounting data and market commercial banks with a total of 110 frequencyof semester 2000-2010 (panel data, 1843 observations). Empirical analysis model used regressionpanel data. The estimation results indicate that DSH gained strong empirical support. On the otherhand, the result of estimation involved in CRH is still significantly weak. This indicates that the marketdiscipline mechanism has not operated optimally in Indonesian banking industries. Therefore, correctionis required especially on regulatory mechanisms to improve the quality of banking.
The Role of Actuarial Profile, Corporate Governance, and Actuarial Backup on Price to Book Value: A Study on Public Insurance Company in Indonesia Ika Dewi Nurida; Moch. Doddy Ariefianto
Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 5, No 2 (2022): Budapest International Research and Critics Institute May
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v5i2.5547

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This study investigates the role of the actuarial Profile, corporate governance, and actuarial reserves in influencing the company's book value. We apply panel data econometric to a dataset comprising ten companies, annual frequency from 2006 to 2019; 140 yearly company observations. We find that size positively affects the price to book value. On the other hand, actuarial Profile and corporate governance (institutional ownership) negatively correlate with the price to book value. This study brings important implications to business/regulatory practices for Financial Services Authority regulators. This study is expected to be able to provide a reference for future research related to the insurance industry.
The Role of Investment Profitability, Actuarial Back up and Capital, on Financial Soundness: A Study on Indonesia General Insurance Industry Arifatun Nasihah; Moch. Doddy Ariefianto
Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 5, No 2 (2022): Budapest International Research and Critics Institute May
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v5i2.5591

Abstract

This study investigates the role of investment profitability, actuarial back up and capital, on financial soundness: a study on indonesia general insurance industry. We apply panel data econometric to a dataset comprised of 74 companies, annual frequency from 2006 to 2019; (General insurance companies have acquired 19 companies). We find that the results of this study indicate that investment profitability has a positive effect on financial soundness, actuarial back-up has a negative effect on financial soundness, capital has a negative effect on financial soundness. This study has important implications for business practices/regulations for the regulators of the Financial Services Authority. This research is expected to provide a reference for further research related to insurance.
Co-Authors Agung Nur Probohudono Arifatun Nasihah Ika Dewi Nurida Irwan Trinugroho, Irwan Jonathan Jonathan Muthmainah Muthmainah Perry Warjiyo Rindang Widuri Soenartomo Soepomo Soenartomo Soepomo Soenartomo Soepomo Soenartomo Soepomo Sutaryo Sutaryo Yuswanto Yuswanto