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Pengaruh Rasio Keuangan Bank Terhadap Profitabilitas Bank Umum Non-Devisa I Made Hegar Danendra Nararya; Daffa Sukma Falih; Farhan Taufiqurrahman; Ladi Wajuba Perdini Fisabilillah; Tony Seno Aji
Jurnal Ekonomika : INDEPENDEN Vol 5 No 1 (2025): April 2025
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/independent.v5i1.66062

Abstract

Profitability is one of the most appropriate indicators to measure the financial performance of a bank. This study aims to analyze the effect of bank financial ratios on profitability in non-foreign exchange commercial banks for the 2019-2023 period. The sample of this research is 4 (four) non-foreign exchange commercial banks in Indonesia, with the data analysis method used, namely the panel data regression model with the Fixed Effect Model (FEM) approach. The results showed that the financial ratio NIM has a significant influence and has a positive direction on bank ROA. BOPO financial ratio has a significant influence and has a negative direction on bank ROA. CAR financial ratio has an insignificant influence and has a positive direction on bank ROA.
Dampak Indeks Ketidakpastian Kebijakan Moneter dan Nilai Tukar Terhadap IHSG Indonesia I Made Hegar Danendra Nararya; Daffa Sukma Falih; Farhan Taufiqurrahman; Ladi Wajuba Perdini Fisabilillah; Dita Dismalasari Dewi
Jurnal Ekonomika : INDEPENDEN Vol 5 No 1 (2025): April 2025
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/independent.v5i1.66064

Abstract

This study aims to analyze the impact of the Monetary Policy Uncertainty (MPU) index and exchange rates on the Jakarta Composite Index (IHSG) in Indonesia from January 2018 to December 2023. The method used is the Vector Error Correction Model (VECM), with data sourced from the Federal Reserve Economic Data (FRED). The analysis results show that both exchange rates and the MPU index have a significant negative relationship with the IHSG, where depreciation of the exchange rate and high MPU will weaken the IHSG in the long term. Additionally, the response of the IHSG to shocks in exchange rates and MPU indicates a positive direction, suggesting that the Indonesian stock market shows resilience to these shocks. This research is expected to provide new insights for policymakers in formulating strategies to address the impacts of economic uncertainty.
Analisis Perilaku Konsumsi Generasi Z terhadap Keputusan Menggunakan QRIS Farhan Taufiqurrahman; Ladi Wajuba Perdini Fisabilillah
Jurnal Riset Ekonomi dan Akuntansi Vol. 4 No. 2 (2026): JURNAL RISET EKONOMI DAN AKUNTANSI
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jrea-itb.v4i2.4053

Abstract

The study aims to analyze the influence of consumption behavior, projected through cultural, social, personal, and psychological factors, through Generation Z's decision to use the Quick Response Code Indonesian Standard (QRIS). The focus subjects were taken from undergraduate students of Economics at Surabaya State University from 2021 to 2024 who are active users of QRIS. Using an associative quantitative approach using primary data to be collected using an online questionnaire distribution. The data analysis technique applied Structural Equation Modeling–Partial Least Square (SEM-PLS) using SmartPLS 4 software. The results of the study showed that four factors of consumption behavior, namely cultural factors, social factors, personal factors, and psychological factors, have a positive and significant impact on students' decisions to use QRIS. Evaluation of the F-square value F2 shows that psychological factors (internal motivation, perceived ease, security, and trust) are the most dominant predictors with the largest effect value of 0.434 in influencing the decision to adopt this digital payment system technology. These findings indicate that a combination of students' internal motivation, the digital culture inherent in the campus environment, and the demands of practicality in Generation Z's lifestyle strengthen the decision to use QRIS in daily economic activities. Â