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All Journal Jurnal Ekonomi Manajemen Sistem Informasi Transekonomika : Akuntansi, Bisnis dan Keuangan Majapahit Journal of Islamic Finance dan Management Majapahit Journal of Islamic Finance dan Management
Bambang Susilo
Universitas Nasional, Jakarta, Indonesia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Peran Mediasi Manajemen Risiko Pada Pengaruh Penggunaan Digital Payment Terhadap Kinerja Keuangan Bank Swasta di Indonesia Selama Pandemi Covid-19 Tahun 2020-2023 Bambang Susilo
Jurnal Ekonomi Manajemen Sistem Informasi Vol. 6 No. 3 (2025): Jurnal Ekonomi Manajemen Sistem Informasi (Januari - Februari 2025)
Publisher : Dinasti Review

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jemsi.v6i3.4403

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh penggunaan digital payment terhadap kinerja keuangan bank swasta di Indonesia selama pandemi Covid-19 tahun 2020-2023, dengan mempertimbangkan peran mediasi manajemen risiko. Metode penelitian menggunakan pendekatan kuantitatif dan analisis data menggunakan SEM berbasis PLS. Sampel penelitian terdiri dari 14 bank umum swasta nasional dengan total 56 observasi. Hasil penelitian menunjukkan bahwa digital payment berpengaruh negatif dan tidak signifikan terhadap kinerja keuangan yang diukur dengan rasio Return on Risk Adjusted Capital (RORAC). Namun, manajemen risiko yang diproksikan dengan Value at Risk (VaR) terbukti memediasi secara inkonsisten pengaruh digital payment terhadap RORAC. Meskipun pengaruh langsung digital payment terhadap RORAC negatif dan tidak signifikan, ketika dimediasi oleh VaR, pengaruh tidak langsung menjadi positif dan signifikan. Temuan ini menekankan pentingnya integrasi manajemen risiko dalam strategi digital payment untuk mengoptimalkan kinerja keuangan bank di tengah disrupsi teknologi dan pandemi.
Implikasi Faktor Makroekonomi terhadap Kinerja Keuangan Bank BUMN di Indonesia dalam Satu Dekade Bambang Susilo
TRANSEKONOMIKA: AKUNTANSI, BISNIS DAN KEUANGAN Vol. 5 No. 2 (2025): March 2025
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/transekonomika.v5i2.917

Abstract

The banking sector has a strategic role in Indonesia's economic growth, with state-owned banks as the main pillars of the national financial system. This study is intended to evaluate the impact of macroeconomic factors on the financial performance of state-owned banks during the period 2014-2023 using Return on Assets (ROA) as a performance indicator. This quantitative research with panel data regression method uses independent variables of interest rate, inflation, and exchange rate. Secondary data was obtained from the financial statements of four state-owned banks (BRI, BNI, Mandiri, and BTN) analyzed using STATA 17. The study states that interest rates have a significant positive impact on ROA, while inflation only has an insignificant positive impact and exchange rates have an insignificant negative impact on ROA. The research findings indicate that state-owned banks have good adaptability in dealing with fluctuations in macroeconomic conditions. This study contributes to the understanding of the dynamics of national banking financial performance and suggests the importance of paying attention to interest rates in bank management strategies.
Determinants of Financial Distress in Construction State-Owned Enterprises Listed on the Indonesian Stock Exchange for the Period 2015-2024 Based on Altman Z-Score Bambang Susilo; Asyari
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 1 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i1.814

Abstract

State-owned construction companies face structural financial pressures due to massive debt burdens to finance national infrastructure projects, exacerbated by the COVID-19 pandemic, which caused a 5.67% contraction in the construction sector in 2020, resulting in the suspension of trading of PT Waskita Karya and PT Wijaya Karya shares, which could potentially be delisted from the Indonesia Stock Exchange. This condition confirms that state-owned company status does not provide immunity from bankruptcy, as evidenced by PT Merpati Nusantara Airlines and PT Istaka Karya, which have been declared bankrupt. This study analyzes financial distress conditions based on the Altman Z-Score and identifies the influence of Operating Cash Flow, Company Size, Asset Growth, and Company Age on financial distress for the period 2015–2024, based on Agency Theory and Signaling Theory. Secondary data from four state-owned construction companies listed on the IDX were analyzed using multiple linear regression with SPSS version 31. PT Waskita Karya recorded the lowest Z-Score of −1.96, placing it in the distress zone. Partially: Operating Cash Flow had no significant effect (p = 0.457 > 0.05); Company Size had a significant negative effect (p < 0.001 < 0.05); Asset Growth had a significant positive effect (p = 0.030 < 0.05); Company Age had no significant effect (p = 0.494 > 0.05). Simultaneously, the four variables have a significant effect (p < 0.001 < 0.05) with an Adjusted R² of 47.7%, confirming that the financial distress of state-owned construction companies is multidimensional and requires holistic improvement interventions.
Determinants of Financial Distress in Construction State-Owned Enterprises Listed on the Indonesian Stock Exchange for the Period 2015-2024 Based on Altman Z-Score Bambang Susilo; Asyari
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 1 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i1.814

Abstract

State-owned construction companies face structural financial pressures due to massive debt burdens to finance national infrastructure projects, exacerbated by the COVID-19 pandemic, which caused a 5.67% contraction in the construction sector in 2020, resulting in the suspension of trading of PT Waskita Karya and PT Wijaya Karya shares, which could potentially be delisted from the Indonesia Stock Exchange. This condition confirms that state-owned company status does not provide immunity from bankruptcy, as evidenced by PT Merpati Nusantara Airlines and PT Istaka Karya, which have been declared bankrupt. This study analyzes financial distress conditions based on the Altman Z-Score and identifies the influence of Operating Cash Flow, Company Size, Asset Growth, and Company Age on financial distress for the period 2015–2024, based on Agency Theory and Signaling Theory. Secondary data from four state-owned construction companies listed on the IDX were analyzed using multiple linear regression with SPSS version 31. PT Waskita Karya recorded the lowest Z-Score of −1.96, placing it in the distress zone. Partially: Operating Cash Flow had no significant effect (p = 0.457 > 0.05); Company Size had a significant negative effect (p < 0.001 < 0.05); Asset Growth had a significant positive effect (p = 0.030 < 0.05); Company Age had no significant effect (p = 0.494 > 0.05). Simultaneously, the four variables have a significant effect (p < 0.001 < 0.05) with an Adjusted R² of 47.7%, confirming that the financial distress of state-owned construction companies is multidimensional and requires holistic improvement interventions.
Co-Authors Asyari