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All Journal Infestasi EconBank : Journal Economics and Banking JPS (Jurnal Perbankan Syariah) "Indonesian Journal of Devotion and Empowerment (IJDE) "
Aji, Tri Susilo Wahyu
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Economics, Econometrics & Finance Social Sciences Other

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Hubungan Kinerja Lingkungan dan Keuangan Dalam Menentukan Nilai Perusahaan di Indonesia Aji, Tri Susilo Wahyu
EconBank: Journal of Economics and Banking Vol 7 No 1 (2025): Econbank
Publisher : Sekolah Tinggi Ilmu Ekonomi Bank BPD Jateng

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35829/econbank.v7i1.494

Abstract

Perkembangan dunia bisnis yang pesat menciptakan kompetisi yang semakin dinamis, memaksa setiap perusahaan untuk terus berinovasi dan meningkatkan kinerjanya. Salah satu tujuan utama perusahaan adalah memaksimalkan laba yang dapat mencerminkan kinerja keuangan yang baik. Namun, kini perusahaan tidak hanya harus fokus pada keuntungan tetapi juga harus memperhatikan dampak yang mereka timbulkan terhadap lingkungan. Banyak perusahaan yang telah beroperasi dengan memanfaatkan teknologi canggih, namun pengaruh emisi terhadap lingkungan masih kurang diperhatikan. Hal ini mendorong sektor perbankan untuk terlibat dalam upaya mengurangi kerusakan lingkungan, karena dianggap penting untuk beradaptasi secara saling bergantung dengan lingkungan. Penelitian ini bertujuan untuk melihat bagaimana kinerja keuangan dan kinerja lingkungan dapat menciptakan citra yang lebih baik bagi perusahaan. Penelitian ini mengambil data dari perusahaan manufaktur yang terdaftar di Bursa Efek Indonesia (BEI) antara tahun 2019 hingga 2023. Analisis regresi linier berganda telah digunakan dalam menganalisis data. Hasil penelitian menunjukkan bahwa ROA, ROE, dan kinerja lingkungan berpengaruh terhadap nilai perusahaan. Temuan ini mengindikasikan bahwa perusahaan yang memiliki kinerja keuangan yang baik dan peduli terhadap lingkungan cenderung lebih menarik bagi investor, yang pada akhirnya akan meningkatkan nilai perusahaan
MSME Lending And Bank Efficiency: Comparison Between Indonesia And Malaysia Nugroho, Dwiyanjana Santyo; Aji, Tri Susilo Wahyu
JPS (Jurnal Perbankan Syariah) Vol 5 No 2 (2024): JPS (Jurnal Perbankan Syariah) - October
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v5i2.2077

Abstract

MSMEs are one of the pillars of the country's economy; banking has a role in facilitating financing for MSMEs so that they can proliferate. On the other hand, banks must consider the cost efficiency they produce, considering that MSMEs are one of the sectors with high credit risk. This study aims to prove that financing for MSMEs can increase bank efficiency and that there are differences between banking in Indonesia and Malaysia. This study uses quantitative with an associative and comparative approach. The population of this study is banks listed on the Indonesia Stock Exchange and Bursa Malaysia in the 2020-2023 period. The Indonesian sample technique uses the purposive sampling method, and Malaysia uses the saturated sample method. The analysis technique uses stochastic frontier analysis (SFA), multiple linear regression, and difference tests with the help of statistical tools like Stata 17. The findings of the study show that financing for MSMEs affects bank efficiency. There is no difference between bank efficiency in Malaysia and Indonesia, but there is a significant difference between MSME financing in Malaysia and Indonesia. The theoretical implications of this study complement the theory regarding the relationship between MSME financing and bank efficiency. The practical implications of this research can provide recommendations to regulators in Indonesia to boost banking by increasing the financing ratio to MSMEs.
Improving Branding through Product Packaging Pertiwi, Meilani Intan; Wahyuningrum, Indah Fajarini Sri; Agustina, Linda; Aji, Tri Susilo Wahyu
Indonesian Journal of Devotion and Empowerment Vol. 7 No. 2 (2025): November
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/ijde.v7i2.32492

Abstract

Micro, Small, and Medium Enterprises (MSMEs) in Kalisalak Village, Batang Regency, have great potential in producing local products such as gethuk, jenang, dodol, herbal drinks, and tea. However, most products still face challenges in branding and packaging, including the absence of labels, barcodes, and legal certification, as well as simple and unattractive packaging that reduces market competitiveness. This community service program aimed to enhance the knowledge, skills, and awareness of MSME actors regarding the importance of branding through product packaging that is appealing, informative, and meets industrial standards. The program involved 30 participants, including MSME owners and residents interested in starting new businesses. The team designed the activities using participatory methods, conducting seminars, practical training, group discussions, mentoring, and gamification to strengthen participants' engagement and understanding. The team implemented the process in three stages: preparation, execution, and evaluation, and used pretest and posttest instruments to support the evaluation. The results indicated a significant improvement in participants' knowledge and skills, with most participants producing improved packaging designs and showing commitment to applying them to their products. Overall, the program effectively addressed partners' needs and strengthened the competitiveness of local MSME products in broader markets.
Bank Efficiency and Risk-Taking: The Role of Revenue Differentiation Nugroho, Dwiyanjana Santyo; Aji, Tri Susilo Wahyu
InFestasi Vol 21, No 2 (2025): DECEMBER
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/infestasi.v21i2.32095

Abstract

Intense competitive pressures, including from fintech players, are suppressing banks' profit margins, which can encourage excessive risk-taking behavior that aligns with the Competition-Fragility Theory's premise. Therefore, the urgency of this study is to analyze how the bank's internal strategies—particularly cost efficiency and risk mitigation strategies in the form of income diversification—work to influence banks' risk-taking decisions. This study specifically examined the relationship and the role of income diversification moderation. This research method uses a quantitative approach with panel data from banks listed on the Indonesia Stock Exchange (IDX) in the 2020-2024 period, by applying purposive sampling as a sample criterion. Cost efficiency was measured using Stochastic Frontier Analysis (SFA), while the relationship between variables was analyzed through multiple linear regression analysis and Interaction Test, with dependent variables in the form of Z-scores. The findings show that cost efficiency has a significant negative influence on bank performance, reflecting more cautious risk-taking. However, income diversification has been shown to moderate such negative influences, allowing banks to take on greater risk without sacrificing financial stability. These findings suggest that a cost-efficiency strategy balanced with revenue diversification can optimize bank growth while maintaining a balance between risk and stability.
Co-Authors Indah Fajarini Sri Wahyuningrum, Indah Fajarini Sri Linda Agustina Nugroho, Dwiyanjana Santyo Pertiwi, Meilani Intan