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All Journal Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) J-CEKI Ulil Albab Journal of Loomingulisus ja Innovatsioon
Prawira, Anggun Wida
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Religion Humanities Computer Science & IT Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Assessing How Fintech Peer-to-Peer Lending, Banking Digitization, and Banking Credit Risk Affect the Financial Performance of Indonesian Commercial Banks KBMI 4 in Digital Era Prawira, Anggun Wida; Susilowati, Heni; Ratnaningrum, Ratnaningrum
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 17, No 4: October - December 2024
Publisher : LPPM Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v17i4.27944

Abstract

This study aims to determine and analyses the effect of Fintech Peer to Peer Lending, Bank Digitization and Non-Performing Loans on Banking Financial Performance (Return on Asset) at KBMI 4 Commercial Banks in 2019-2023. This type of research is descriptive with quantitative analysis. The object of the research is the audited financial report of Bank Umum KBMI 4 listed on the Indonesia Stock Exchange and the report from the Financial Services Authority. The sample was selected using the Purposive Sampling technique. Data analysis techniques using multiple linear regression analysis. Findings: P2P Lending has a negative and significant effect on Return on Assets. Bank Digitization does not have a positive and significant effect on Return on Assets. Non-Performing Loans have a negative and significant effect on Return on Assets. Peer to Peer Lending, Banking Digitization, Non-Performing Loan simultaneously have a significant effect on Return on Assets. Banks in KBMI Category 4 must carry out Product Innovation to compete with P2P lending. By establishing Partnerships, conducting Market Segment Approaches, developing Digitization: and using big data and analytics. By implementing these strategies, banks remain relevant and competitive in the digital era.
Customer Engagement as an Intervening Variable of the Influence of Social Media Adoption and Compliance with Islamic Business Ethics on Business Performance Prawira, Anggun Wida
J-CEKI : Jurnal Cendekia Ilmiah Vol. 4 No. 4: Juni 2025
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v4i4.10186

Abstract

This study aims to broaden the understanding of the influence of social media adoption on the performance of MSMEs in the city of Surabaya. In 2023, several MSME sectors in the city of Surabaya experienced a decline in sales. MSME sales fell by 25% in October-December 2023 due to lack of promotion and increasing competition for similar products. In the digital era, the use of social media is a way that can be utilized optimally for digital marketing strategies, but many MSMEs do not have sufficient skills and knowledge to implement this strategy. This is an interesting problem to be studied further, regarding how to use social media effectively to drive business performance. The data source used is a primary data source for selected samples. Based on data processing using SmartPLS, the results obtained are that 1) Social Media Adoption is proven to have a significant influence on Business Performance, 2) Islamic Business Ethics Compliance is proven to have a significant influence on Business Performance, 3) Customer Engagement is proven to have a significant influence and relationship with Business Performance, 4) Social Media Adoption has a positive and significant influence on Business Performance through Customer Engagement, 5) Islamic Business Ethics Compliance has a positive and significant influence on Business Performance through Customer Engagement.
Analisis Kesehatan Bank BCA Menggunakan Metode CAMELS Prawira, Anggun Wida
J-CEKI : Jurnal Cendekia Ilmiah Vol. 4 No. 5: Agustus 2025
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v4i5.10833

Abstract

Penelitian ini bertujuan untuk menganalisis tingkat Kesehatan PT Bank Central Asia Tbk (BCA) selama periode 2020–2023 dengan menggunakan metode CAMELS yang mencakup enam indicator Utama: Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL), Return on Assets (ROA), Net Interest Margin (NIM), Loan to Deposit Ratio (LDR), dan efisiensi operasional (BOPO). Data yang digunakan merupakan data sekunder yang diperoleh dari laporan tahunan Bank BCA. Hasil analisis menunjukkan bahwa BCA berada dalam kondisi sangat sehat berdasarkan rasio CAMELS. Rasio CAR terus meningkat dan berada jauh di atas standar minimum OJK, NPL berada dalam kisaran aman, ROA dan NIM menunjukkan kinerja profitabilitas yang baik, serta rasio LDR dan BOPO dalam kategori sehat. Dengan demikian, Bank BCA mampu menjaga stabilitas kinerja keuangannya di tengah tantangan ekonomi.
Market Risk Management in Islamic Banking in Indonesia Prawira, Anggun Wida
ULIL ALBAB : Jurnal Ilmiah Multidisiplin Vol. 4 No. 8: Juli 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jim.v4i8.10798

Abstract

This study aims to review various literature and empirical research results that discuss the relationship between market risk and the financial performance of Islamic banking in Indonesia. The results of the review show that market risk has a significant influence on profitability and investment returns, both directly and indirectly. However, there are still challenges in managing market risk, especially in terms of strengthening the risk management system in accordance with sharia principles. Therefore, the development of adaptive and sharia-based risk mitigation strategies is important to support the sustainability of Islamic banking amidst financial market volatility.
Adaptasi Digital Perbankan dalam Memenuhi Preferensi Generasi Z di Era Digital : Sebuah Systematic Literature Review Berbasis Technology Acceptance Model (TAM) Prawira, Anggun Wida; Riyadi, Slamet
JPEK: Jurnal Pendidikan Ekonomi dan Kewirausahaan Vol 9 No 2 (2025): JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan)
Publisher : Universitas Hamzanwadi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29408/jpek.v9i2.31413

Abstract

The digital transformation in the banking sector has emerged as a critical global phenomenon, particularly in addressing the evolving needs of Generation Z—a cohort raised in a digitally connected environment. This study aims to assess the extent to which banking institutions, both in Indonesia and globally, have adapted to the digital expectations of Gen Z. Employing a Systematic Literature Review (SLR) approach, this research analyzes 21 peer-reviewed articles sourced from Scopus, ScienceDirect, and Google Scholar, published between 2019 and 2025. The findings identify key determinants influencing Gen Z’s adoption of digital banking, including perceived ease of use, data security, user experience (UX/UI), and service personalization. Results suggest that digital banks and neobanks are more appealing to Gen Z than traditional financial institutions. The study recommends strengthening technology-driven innovation, implementing customer-centric approaches, and fostering strategic collaboration with fintech companies. Managerial implications highlight the need for technology-based service development, enhancement of digital financial literacy, and the expansion of inclusive and sustainable financial ecosystems
STAGFLATION – PROOF BANKING: HOW FINTECH DEVELOPMENT AND FINANCIAL RESILIENCE DRIVE PROFITABILITY – ARDL MODELING EVIDENCE FROM INDONESIA'S COMMERCIAL BANKS Prawira, Anggun Wida; Mujanah, Siti; Alif Fianto, Achmad Yanu
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 18, No 2: April - June 2025
Publisher : LPPM Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v18i2.29734

Abstract

This study analyzes the impact of the triple-layer effect stagflation (inflation, GDP), fintech lending, and bank stability (CAR, LDR) on Indonesian banks' ROA, assessing short- and long-term effects. The object of this research is the audited financial report of Indonesian Commercial Bank KBMI IV which is listed on the Indonesia Stock Exchange. Data were collected using purposive sampling (time series of 2019-2024 period). The Autoregressive Distributed Lag (ARDL) model was applied to analyze both short-term dynamics and long-term equilibrium between the variables. The results show that: Inflation has a significant negative impact on ROA in both the short and long term. GDP does not significantly affect ROA. Fintech lending does not have a significant impact on ROA, though it may indirectly pressure banks to innovate. CAR has a significant positive influence on ROA, indicating financial resilience supports profitability. LDR does not significantly affect ROA, suggesting lending activities may not be optimal or are affected by external risks. A long-term cointegration exists between all variables and ROA, indicating the importance of strategic, forward-looking policies. The findings imply that stagflation poses a serious risk to banking profitability. Banks must strengthen risk management, improve capital efficiency, and embrace innovation to remain competitive. Policymakers should support financial stability through appropriate macroeconomic policies, especially in stagflationary conditions.
Emotional Intelligence and Creative Problem Solving in Business Leaders: A Structural Equation Modeling Approach Prawira, Anggun Wida; Nazarov, Azamat; Khamraev, Javlonbek
Journal of Loomingulisus ja Innovatsioon Vol. 2 No. 4 (2025)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/innovatsioon.v2i4.2362

Abstract

Emotional intelligence has increasingly been recognized as a critical factor influencing leadership effectiveness and the capacity for creative problem solving in complex business environments. This study aims to examine the relationship between emotional intelligence and creative problem-solving skills among business leaders by developing and testing a structural equation model. Data were collected from 362 senior managers across diverse industries through standardized instruments measuring emotional intelligence dimensions and creative problem-solving abilities. Structural Equation Modeling (SEM) was applied to analyze direct and indirect relationships between these constructs. The results revealed that emotional intelligence significantly and positively influences creative problem solving, with self-awareness and emotional regulation emerging as the strongest predictors. Indirect effects were also found, indicating that social awareness and relationship management enhance problem-solving outcomes through their influence on decision-making flexibility. The study concludes that leadership development programs emphasizing emotional intelligence can enhance creative capacities, supporting organizational adaptability and long-term competitiveness.
Pengaruh Green Accounting, Struktur Modal Dan Sales Growth Terhadap Financial Performance Prawira, Anggun Wida
J-CEKI : Jurnal Cendekia Ilmiah Vol. 5 No. 1: Desember 2025
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v5i1.12675

Abstract

This research aims to analyze the influence of Green Accounting, Capital Structure, and Sales Growth on Financial Performance measured by Return on Assets (ROA) in energy sector companies, particularly in the oil, gas, and coal subsector listed on the Indonesia Stock Exchange for the period 2021–2024. The research method used is quantitative with secondary data in the form of annual reports and sustainability reports of the companies. The sample was selected using purposive sampling technique with specific criteria, resulting in 10 companies as the research subjects. Data analysis was conducted using multiple linear regression to determine the effect of each independent variable on the dependent variable. The results of the study indicate that Green Accounting has a significant positive effect on ROA, Sales Growth has a significant positive effect, while Capital Structure does not have a significant effect on ROA. This research provides practical implications for company management to strengthen sustainability strategies and capital efficiency in order to improve financial performance. In addition, this research can serve as an academic reference for the development of studies related to green accounting and financial performance in the energy sector, particularly in the oil, gas, and coal subsector.
Co-Authors Achmad Yanu Aliffianto Heni Susilowati Khamraev, Javlonbek Nazarov, Azamat Ratnaningrum Ratnaningrum, Ratnaningrum Siti Mujanah Slamet Riyadi