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All Journal Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Journal of Studies in Academic, Humanities, Research, and Innovation
Annisa Paramaswary
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Religion Chemistry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Library & Information Science Mathematics Social Sciences Other

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Pengaruh Literasi Keuangan dan Gaya Hidup terhadap Pengelolaan Keuangan pada Pelaku UMKM di Antama Street Food Makassar Mutiara Devi Damayanti; Uhud Darmawan Natsir; Anwar Anwar; Hety Budiyanti; Annisa Paramaswary
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 3 No. 2 (2025): Mei : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v3i2.2333

Abstract

This study uses a qualitative method to examine the effectiveness of marketing strategies implemented by Islamic banks in attracting young customers. The background of this research is based on the significant growth of the Islamic banking sector in Indonesia, which has not yet fully optimized the potential of the youth market segment. Data were collected through in-depth interviews with marketing managers and young customers, as well as documentation of the promotional strategies employed. The findings reveal that marketing strategies emphasizing Islamic values, service digitalization, and social media campaigns significantly influence young customers’ interest. However, some challenges were also identified, such as low Islamic financial literacy among the youth and limited product innovation tailored to their needs. This study recommends strengthening Islamic financial education, collaborating with youth communities, and developing technology-based products and services so that Islamic banks can be more competitive in attracting young customers. With a more adaptive and communicative approach, Islamic banks have the potential to become the preferred choice for the younger generation in the future.
The Effect Of Capital Adequacy Ratio And Loan To Deposit Ratio On Stock Prices Study Of Banking Companies Listed On The Indonesia Stock Exchange (IDX) In 2020–2024 A. Nur Azilah; Anwar Ramli; Nurul Fadilah Aswar; Nurman; Annisa Paramaswary
Journal of Studies in Academic, Humanities, Research, and Innovation Vol. 2 No. 2 (2025): December 2025
Publisher : Ponpes As-Salafiyyah Asy-Syafi'iyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71305/sahri.v2i2.1138

Abstract

The capital market has an important role in supporting economic activities by providing long-term funding sources for companies as well as an investment vehicle for the public. The development of the banking sector in Indonesia shows that financial performance often influences stock price movements, although the results are not always consistent between companies. This problem encourages this study which aims to analyze the effect of the Capital Adequacy Ratio (CAR) and the Loan to Deposit Ratio (LDR) on stock prices in banking companies listed on the Indonesia Stock Exchange for the 2020–2024 period. This study uses a quantitative approach with a multiple linear regression method through the assistance of the SPSS application, while the sample is determined by a purposive sampling technique in 16 banking companies over 5 years of observation, resulting in 80 observations. The results of the study show that CAR has a significant negative effect on stock prices (t = -2.482 sig = 0.015), while LDR has a significant negative effect on stock prices (t = -2.846 sig = 0.006). The coefficient of determination (R²) value is 0.162, which means that 16.2% of the variation in stock prices can be explained by CAR and LDR, while the remaining 83.8% is explained by other factors outside the model. This study supports the Signaling Theory which states that financial performance information can provide signals to investors in making investment decisions. This finding confirms that the bank's ability to maintain capital adequacy provides a positive signal to investors, while liquidity management through LDR has not been fully considered as the main factor determining stock prices.
Influence Of Green Banking Disclosure, CAR And ROE On PER Asrianingsih Putri; Anwar; Abdul Rahman; Anwar Ramli; Annisa Paramaswary
Journal of Studies in Academic, Humanities, Research, and Innovation Vol. 2 No. 2 (2025): December 2025
Publisher : Ponpes As-Salafiyyah Asy-Syafi'iyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71305/sahri.v2i2.1144

Abstract

The banking sector plays a pivotal role in Indonesia's economy, yet during the 2020–2024 period, conventional banks experienced substantial fluctuations in firm value, as measured by the Price Earnings Ratio (PER). This study investigates the influence of Green Banking Disclosure (GBD), Capital Adequacy Ratio (CAR), and Return on Equity (ROE) on the firm value of conventional banks listed on the Indonesia Stock Exchange (IDX). Utilizing a quantitative panel data approach, the research analyzes 160 quarterly observations from eight banks over the study period using Eviews 13 software. The findings indicate that GBD does not significantly affect firm value, suggesting that sustainability disclosures have yet to be perceived as a critical signal by investors. Similarly, CAR shows no statistically significant impact, implying that capital adequacy is not a decisive factor in market valuation. In contrast, ROE demonstrates a positive and significant effect on PER, confirming that profitability serves as a strong signal to investors, in line with Signaling Theory. The model’s adjusted R-squared of 0.401 suggests that 40.12% of the variation in firm value can be explained by GBD, CAR, and ROE, while 59.88% is attributable to other factors beyond the study’s scope. These results highlight that in the Indonesian banking sector, firm value is primarily driven by financial performance rather than sustainability practices or capital adequacy. Therefore, banks are encouraged to enhance profitability to maintain investor confidence and strengthen market valuation, while continuing to develop green banking initiatives for long-term strategic positioning.
Co-Authors A. Nur Azilah Abdul Rahman Anwar Anwar Anwar Anwar Ramli Asrianingsih Putri Hety Budiyanti Mutiara Devi Damayanti Nurman Nurul Fadilah Aswar