Article Per Year (5 Year)
p-Index From 2021 - 2026
0.61
P-Index
This Author published in this journals
All Journal MANAJEMEN DEWANTARA Studi Ilmu Manajemen dan Organisasi Optimum: Jurnal Ekonomi dan Pembangunan
Sari, Willa Fatika
Unknown Affiliation
Economics, Econometrics & Finance

Published : 3 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 3 Documents
Search

 1 
Analisis Kinerja Keuangan Bank BUMN dan Bank Swasta Indonesia: Studi Komparatif Sari, Willa Fatika; Saputra, Darman; Yasmin, Yasmin
Studi Ilmu Manajemen dan Organisasi Vol. 5 No. 2 (2024): Oktober
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/simo.v5i2.3536

Abstract

Purpose: This study assesses and compares the financial performance of state-owned and private banks in Indonesia from 2019 to 2021. This study focuses on evaluating key financial indicators to monitor the financial structure and efficiency of banking institutions continuously amid increasing competition in the banking sector.Methodology: This study utilizes several financial ratios and applies independent sample t-tests to analyze the financial performance of state-owned and private banks. The key ratios analyzed include (Equity to Total Assets Ratio), ECTAR (Equity to Customer Assets Ratio), IMAEAR (interest margin to average earnings assets ratio), LLCR (Loan Loss Coverage Ratio), DTCR (Debt to Capital Ratio), LDR (Loan to Deposit Ratio), and CAR (Capital Adequacy Ratio).Results: State-owned banks are financially weaker than private banks. Furthermore, there is no significant difference in the average financial performance of state-owned and private banks when measured using EATAR and ECTAR ratios. However, clear differences are observed between these two banking groups in terms of the IMAEAR, LLCR, DTCR, LDR, and CAR ratios.Conclusions: Financial performance in Private Banks is superior relative to State-Owned Banks. This is because Private Banks have better capital management, higher loss reduction, more equity owned by the company compared to debtholders, a large amount of credit disbursed, and based on CAR are more able to accommodate possible losses.Limitations: This study analyzes financial performance from 2019 to 2021, which may not reflect long-term trends or the effects of external factors like global crises or regulatory changes. It also focuses on a limited set of financial ratios.Contribution: This study compares the financial performance of state-owned and private Indonesian banks, offering insights for banks, regulators, and investors on performance differences and areas for improvement in state-owned banks.
Analysis of the causality between economic growth and government spending: Wagner’s law versus Keynes hypothesis Yasmin, Yasmin; Sari, Willa Fatika
Optimum: Jurnal Ekonomi dan Pembangunan Vol. 14 No. 2 (2024)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/optimum.v14i2.8552

Abstract

The relationship between economic growth and government spending has been extremely ambiguous over the last few years. In this matter, both Wagner and Keynes expressed their views. However, several research with varying results on those hypotheses. The Keynesian hypothesis, Indonesia's Wagner's law, and the relationship between economic growth and government spending were thus all investigated by the researchers in this study. The Granger causality test and the Engle-Granger cointegration test were used in order to determine the direction with which both variables are linked, as well as a longer-term association. The outcome demonstrated that economic growth and government spending do not have a long-term relationship. In contrast, the causality test revealed a one-way correlation between government spending and economic growth, implying that Wagner's law was applicable in Indonesia. Accordingly, the government must reconsider government spending that is perceived to be less efficient in encouraging economic growth, such as subsidy programs and public goods procurement. Additionally, the government ought to consider reducing government spending and expanding private sector participation in economic development given that Wagner's law has been demonstrated to be applicable in Indonesia.
THE ROLE OF ATTITUDES AND INTENTIONS IN SHARIA FINANCIAL BEHAVIOR OF MSMES: A THEORY OF PLANNED BEHAVIOR APPROACH Abdul Hafiz; Suaryansyah, Berandi; Sari, Willa Fatika; Fauzi, Ahmad; Azelya, Iis
MANAJEMEN DEWANTARA Vol 9 No 2 (2025): MANAJEMEN DEWANTARA
Publisher : Universitas Sarjanawiyata Tamansiswa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30738/md.v9i2.20024

Abstract

The objective of this research is to examine how attitudes and intentions influence the sharia-compliant financial behavior of MSME practitioners, employing the Theory of Planned Behavior (TPB) as a theoretical framework. TPB explains that actual behavior is influenced by intention, which is formed by attitudes and control of perceptual behavior. The research adopts a quantitative explanatory approach and applies the Partial Least Squares–Structural Equation Modeling (PLS-SEM) method for data analysis. The sample consisted of 35 micro, small, and medium enterprise (MSME) actors located in Toboali District, South Bangka, selected via purposive sampling. Data were collected through a structured questionnaire based on a five-point Likert scale, measuring four main constructs: attitude (ATT), perceived behavioral control (PBC), intention (INT), and actual behavior (BEH). The results of the study show that attitude has a significant effect on actual intentions and behaviors. Intention also plays a key role as a key predictor of actual behavior, strengthening the SDG framework. However, perceptual behavior control did not show a significant effect on intentions or behavior. These findings affirm the importance of forming a positive attitude and strengthening intentions in encouraging the adoption of Islamic finance practices among MSMEs. Strategic interventions need to be directed at increasing literacy, understanding sharia values, and strengthening the internal motivation of business actors so that Islamic financial transformation can run sustainably and equivocally.
Co-Authors Azelya, Iis Fauzi Ahmad Muda Hafiz, Abdul Saputra, Darman Suaryansyah, Berandi Yasmin Yasmin