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All Journal Jurnal Ilmiah Ekonomi Islam Dynamic Management Journal Jurnal Comparative : Ekonomi Dan Bisnis International Journal of Islamic Thought and Humanities The Es Accounting and Finance Jurnal Informatika Ekonomi Bisnis West Science Accounting and Finance West Science Social and Humanities Studies West Science Islamic Studies Mathematics Education Journal
Kaswoto, Junet
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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ANALYSIS OF THE EFFECT OF FINANCIAL RATIOS AND BANK SIZE ON NON-PERFORMING LOANS IN BANKS IN INDONESIA Erdawati, Lena; Kaswoto, Junet; Hamdani, Hamdani; Perdita, Liska; Sasmita, Djenni
Jurnal Comparative: Ekonomi dan Bisnis Vol 6, No 3 (2024): August
Publisher : Univesitas Muhammadiyah Tangerang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/combis.v6i3.12232

Abstract

This research was conducted on Conventional Banks Listed on the Indonesia Stock Exchange for the 2017-2021 Period. The study aims to determine the effect of financial ratios, and bank size on non-performing loans in conventional banks listed on the Indonesia Stock Exchange for the 2017-2021 period. The data collection method uses purposive sampling. Based on the criteria set, 35 companies were obtained. The type of data used is secondary data obtained from the website of each company. The measuring tool of this study uses Eviews 9. The analysis method used is panel data regression. Based on the results of the study: There is no effect of Loan to Deposit Ratio on Non-Performing Loans. There is no effect of Capital Adequancy Ratio on Non-Performing Loans. There is a positive effect of Operating Costs on Operating Income on Non-Performing Loans. There is no influence of Bank Size on Non-Performing Loans. This research is expected to benefit accounting in the implementation of financial management accounting learning. This research is also expected to contribute in the form of understanding for business actors in making investment decisions in the banking sector.
Strategi Diplomasi Ekonomi Republik Indonesia terhadap Persatuan Emirat Arab tahun 2020-2022 Tajudin, Muhammad Fadhil Ahadiat; Kaswoto, Junet
Jurnal Informatika Ekonomi Bisnis Vol. 5, No. 4 (December 2023)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v5i4.596

Abstract

Economic diplomacy plays a central role for Indonesia in facing inter-state contests at the global level, particularly in political and economic interests. Economic diplomacy in Indonesia garners special attention from the Government of the RI and stands as one of the 4+1 Priorities of Foreign Policy. The Government of RI places emphasis on market expansion in potential non-traditional countries, notably the United Arab Emirates (UAE), with the aim of advancing national interests in the trade, tourism, and investment sectors, alongside optimizing the domestic market at hand. This research focuses on the economic diplomacy strategies employed by the Government of RI concerning the UAE from 2020 to 2022, utilizing insights from the economic diplomacy strategies of developing countries presented by Kishan S. Rana. The methodology employed in this study is qualitative, with primary data acquired through interviews and secondary data garnered through literature review. The research findings demonstrate that the economic diplomacy strategies pursued by the Government of RI towards the UAE align with Rana's conceptual framework, encompassing 4 stages, namely economic salesmanship, networking and advocacy, image building, and regulatory management. The most prominent stage within Indonesia’s economic diplomacy strategy is economic salesmanship, particularly evident through the World Expo 2020 Dubai. Conversely, the stage that exhibits suboptimal perfomance is regulatory management concerning the IUAE-CEPA, which as of the present, has not been ratified by the Government of RI.
THE COMPANY'S STRATEGY TO REDUCE LOSSES DUE TO FOREIGN EXCHANGE RATES Kaswoto, Junet; Sunaryo, Dede; Fitriana, Amalia Indah
Dynamic Management Journal Vol 9, No 1 (2025): January
Publisher : Universitas Muhammadiyah Tangerang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/dmj.v9i1.13308

Abstract

Foreign exchange rate fluctuations can cause significant impacts for companies doing business internationally. Losses resulting from fluctuations in the exchange rate can cause uncertainty and lower the company's profits. Therefore, it is important for companies to adopt effective strategies in reducing foreign exchange rates. This study examines various strategies that can be used by companies to reduce losses due to foreign exchange rates. These strategies include static hedging such as the use of forward and options contracts, as well as dynamic hedging approaches that involve active management of hedged positions. In the context of PT. X in Banten Indonesia, the use of static hedging in the form of forward contracts can provide protection against exchange rate fluctuations associated with the company's international transactions. A dynamic hedging approach can also be an effective option for companies to optimize their protection against exchange rate risk. The results of the study show that the use of the hedging strategy implemented by PT. X in Banten can help companies reduce losses due to fluctuations in foreign exchange rates, especially dollars, and can improve the company's financial stability. The results of the analysis of forward hedging data conducted in certain periods show that there are (positive) gains in 2021 and 2022, and losses (negative) in the difference between the results of the forward hedging and the actual BI exchange rate at the time of maturity in 2023 in a few months. 
Maqashid Sharia as a Framework for Innovation in Corruption Prevention Sudarmanto, Eko; Kaswoto, Junet; Warto, Warto; Budiman, Mamdukh; Wahyono, Zubaidi
International Journal of Islamic Thought and Humanities Vol. 4 No. 1 (2025): International Journal of Islamic Thought and Humanities
Publisher : Sekolah Tinggi Agama Islam Taruna Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54298/ijith.v4i1.313

Abstract

This study examines the application of Maqashid Sharia as an innovation framework in corruption prevention. Corruption continues to be a major obstacle to good governance, harming public trust and socio-economic progress. Addressing this issue requires approaches that combine ethical principles with effective tools for monitoring and accountability. The study aims to evaluate the role of Maqashid Sharia in creating clean, transparent, and accountable governance. It also explores the integration of modern technologies, such as blockchain, with Maqashid Sharia to support a more effective monitoring system in the fight against corruption. The research method employed is a qualitative approach with descriptive analysis. Data was collected through a literature review, including articles, books, and other sources relevant to the concept of Maqashid Sharia and the innovation framework in corruption prevention. The results indicate that the application of Maqashid Sharia can enhance transparency, accountability, and justice in public resource management. Furthermore, the integration of technologies such as blockchain can strengthen efforts in corruption prevention by providing a more open and accountable system. However, challenges related to infrastructure and public understanding of technology must be addressed for the effective implementation of this approach.
Effects of Financial Planning, Savings Behavior, and Income Level on Retirement Readiness of Millenial Generation Kaswoto, Junet; Rahayu, Ruci Arizanda; Marsiwi, Dwiati; Sudarmanto, Eko
West Science Accounting and Finance Vol. 3 No. 01 (2025): West Science Accounting and Finance
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsaf.v3i01.1766

Abstract

This study examines the effect of financial planning, saving behavior, and income level on millennial retirement readiness. Employing a quantitative approach with 120 respondents, data were collected using a Likert scale (1–5) and analyzed through Structural Equation Modeling - Partial Least Squares (SEM-PLS). Results reveal that financial planning, saving behavior, and income level significantly influence retirement readiness, explaining 62% of its variance. These findings emphasize the interconnectedness of these factors and their implications for fostering retirement preparedness. Practical recommendations include enhancing financial literacy, promoting savings discipline, and addressing income disparities through policy and institutional interventions. The study contributes to the theoretical understanding of behavioral finance and offers actionable insights to improve millennials' financial security for retirement.
The Effect of Hedging Strategy, Exchange Rate Fluctuations, and Credit Risk on the Financial Stability of Multinational Companies in Jakarta Judijanto, Loso; Kaswoto, Junet; Febrina, Ilza
West Science Social and Humanities Studies Vol. 3 No. 03 (2025): West Science Social and Humanities Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsshs.v3i03.1753

Abstract

This study investigates the impact of hedging strategies, exchange rate fluctuations, and credit risk on the financial stability of multinational companies in Jakarta. Employing a quantitative approach, data were collected from 140 respondents using a Likert scale (1–5) and analyzed using Structural Equation Modeling - Partial Least Squares (SEM-PLS). The findings reveal that all three factors significantly influence financial stability, with exchange rate fluctuations exerting the strongest effect, followed by hedging strategies and credit risk. The results underscore the importance of robust financial risk management practices in mitigating external uncertainties and ensuring corporate sustainability. This study offers valuable insights for corporate managers and policymakers in fostering financial resilience amidst volatile market conditions.
Tafsir Ekonomi: Pencegahan Kecurangan dengan Pendekatan Teori Fraud Triangle dalam Perspektif Tafsir Jalalain Kaswoto, Junet; Mamdukh Budiman; Ahmad Zaki Mubarok; Toto Sugihyanto; Zubaidi Wahyono; Eko Sudarmanto
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 01 (2025): JIEI : Vol.11, No. 01, 2025
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Penelitian ini bertujuan untuk menganalisis konsep Teori Segitiga Kecurangan (Fraud Triangle Theory) dari perspektif Tafsir Jalalain guna memahami pencegahan kecurangan melalui pendekatan multidimensional yang mengintegrasikan nilai-nilai spiritual Islam. Penelitian ini menggunakan metode kualitatif-deskriptif dengan pendekatan studi pustaka, mengkaji teori modern Fraud Triangle yang mencakup tekanan (pressure), peluang (opportunity), dan rasionalisasi (rationalization), serta penafsiran ayat-ayat Al-Qur’an yang relevan, khususnya dari Tafsir Jalalain. Temuan menunjukkan bahwa kecurangan tidak hanya berakar pada kelemahan sistemik dan lingkungan, tetapi juga pada moralitas dan spiritualitas individu. Nilai sabr (sabar) dan tawakal (percaya kepada Allah) membantu mengurangi tekanan, sementara prinsip amanah (dapat dipercaya) memperkuat pengawasan untuk meminimalkan peluang. Dalam elemen rasionalisasi, nilai ‘adl (keadilan) dan tanggung jawab moral mencegah pembenaran terhadap perilaku curang. Pendekatan ini menciptakan strategi pencegahan kecurangan yang holistik dengan menggabungkan penguatan sistem teknis, pendidikan etika berbasis iman, dan pengendalian internal modern seperti blockchain. Integrasi Teori Fraud Triangle dengan Tafsir Jalalain memberikan kontribusi signifikan dalam membentuk individu yang berintegritas dan memperkuat upaya pencegahan kecurangan di berbagai tingkat.
Financial Derivatives in Banking and Finance: A Bibliometric Overview of Research Trends Rahmiyati, Nekky; Kaswoto, Junet; Sungkowati, Sri
The Es Accounting And Finance Vol. 3 No. 02 (2025): The Es Accounting And Finance (ESAF)
Publisher : Eastasouth Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/esaf.v3i02.502

Abstract

This study provides a bibliometric analysis of the research trends in financial derivatives within the banking and finance literature. By examining citation patterns, co-authorship networks, and keyword co-occurrences, the study identifies key research themes and their evolution over time. The analysis reveals the central role of derivatives in risk management and financial stability, particularly in the wake of financial crises. It highlights the growth of computational techniques in derivatives pricing and risk management, with an increasing focus on advanced models and simulations. The study also explores the emerging influence of blockchain technology and decentralized finance in reshaping the derivatives landscape. The bibliometric map underscores the global nature of financial derivatives research, with significant contributions from the United States, China, and the United Kingdom. The study provides valuable insights for scholars, practitioners, and policymakers, suggesting areas for further research, particularly in regulatory frameworks, pricing models, and the integration of new technologies in the derivatives market.
The Learning Trajectory of Set Concept Using Realistic Mathematics Education (RME) Juana, Nadya Amalia; Kaswoto, Junet; Sugiman; Hidayat, Aulia Almas Agustin
Mathematics Education Journal Vol. 17 No. 1 (2023): Jurnal Pendidikan Matematika
Publisher : Universitas Sriwijaya in collaboration with Indonesian Mathematical Society (IndoMS)

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Abstract

Learning trajectory of set is a learning path to get concept of set. However, several teachers did not combine methods, approaches, and ideas in their practical deliveries. This situation becomes a concern for teachers to handle since it will affect the rule without reason so that the accepted concept will not last long in students’ memory. This study aim to describe the learning trajectory using RME models to construct the concept of set. Hypothetical learning trajectory (HLT) was designed using a qualitative method with the realistic mathematics education (RME) of Gravemeijer model as the activity stage begin from preparing for the experiment, pilot experiment, teaching experiment and retrospective analysis. The designed HLT consisted of an objective, activity, and conjecture. This study achieved an understanding of the set concept with applying RME design. By providing examples of contextual mathematics that take place in the learning environment, these outcomes were achieved. Then using media like set cards to model mathematics so that students can advance their own knowledge to the level of formal mathematics. Therefore, the RME-based HLT design can be a solution to obtain the concept of set, primarily in domain definition and set notation to produce a learning trajectory. DOI: https://doi.org/10.22342/jpm.17.1.19077.89-102
Optimization of Sharia Fintech in the Development of Green Bonds and Sustainable Investments Judijanto, Loso; Ermaini, Ermaini; Kaswoto, Junet; Arumingtyas, Fida; Sudarmanto, Eko
West Science Islamic Studies Vol. 3 No. 02 (2025): West Science Islamic Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsiss.v3i02.1835

Abstract

This study examines the optimization of Sharia fintech in the development of green bonds and sustainable investments in Indonesia, using a qualitative analysis based on interviews with five key informants from various sectors, including fintech, finance, and regulatory bodies. The findings highlight the significant role of Sharia fintech in promoting sustainable investments, especially in the context of green bonds, by democratizing access to investment opportunities and aligning financial products with ethical, Sharia-compliant principles. However, challenges such as unclear regulatory guidelines and the need for technical expertise in ensuring Sharia compliance were identified. The study also underscores the potential for synergy between Sharia finance and sustainable investment goals, with recommendations including the creation of standardized regulatory frameworks, the promotion of financial literacy, and the use of advanced technologies like blockchain to enhance transparency. The results suggest that while the integration of Sharia fintech with green bonds holds great promise, further collaboration among stakeholders and a clear regulatory approach are essential for its successful implementation.
Co-Authors Ahmad Zaki Mubarok Apriliyana, Vertian Arumingtyas, Fida Erdawati, Lena Febrina, Ilza Fitriana, Amalia Indah Hamdani Hamdani Haziqi, Muhammad Hassan Hidayat, Aulia Almas Agustin Irmanelly, Irmanelly Juana, Nadya Amalia Judijanto, Loso Mamdukh Budiman Marsiwi, Dwiati Nekky Rahmiyati Perdita, Liska Ruci Arizanda Rahayu Sasmita, Djenni Sudarmanto, Eko Sugiman Sunaryo, Dede Sungkowati, Sri Tajudin, Muhammad Fadhil Ahadiat Toto Sugihyanto Wahyono, Zubaidi Warto - Zubaidi Wahyono