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All Journal Jurnal Multidisiplin Sahombu Indo-Fintech Intellectuals: Journal of Economics and Business Nusantara Economics and Entrepreneurships Journals Journal of Studies in Academic, Humanities, Research, and Innovation
Fitriani Rahim
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Religion Arts Humanities Chemistry Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Social Sciences Other

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Evaluation of Recovery Strategy and Digital Transformation on BNI's Financial Performance Post COVID-19 Pandemic Aslam, Annisa Paramaswary; Yasir, Muhammad; Rahim, Fitriani
Nusantara Economics and Entrepreneurships Journals VOl.3,N0.1, (APRIL, 2025)
Publisher : PUSAT KEWIRAUSAHAAN UNIVERSITAS BALIKPAPAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/necent.v3i1.82

Abstract

This study aims to evaluate the financial performance of PT Bank Negara Indonesia (Persero) Tbk. during the period from 2020 to 2024, considering the impact of the COVID-19 pandemic and the role of digital transformation in the recovery process. The analysis uses key financial ratios, including Return on Assets (ROA), Return on Equity (ROE), the Operating Expense to Operating Income ratio (BOPO), and Net Profit Margin (NPM). A descriptive quantitative method is employed, using documentary study from BNI's annual financial reports and secondary data from the Financial Services Authority (OJK). The analysis results show that 2020 was the most challenging year for BNI, with a sharp decline in profitability and efficiency indicators. However, from 2021 to 2024, there was significant recovery across almost all financial indicators, reflecting the success of cost-efficiency strategies, asset productivity improvements, and the implementation of digital services. This study underscores the importance of adapting banking strategies to face crises and foster long-term growth through digital transformation.
THE IMPACT OF FINANCIAL TECHNOLOGY (FINTECH) IMPLEMENTATION ON THE OPERATIONAL EFFICIENCY OF BANKS LISTED ON THE INDONESIA STOCK EXCHANGE Amin, Andi Mustika; Rahim, Fitriani; Ridho, M. Yunasri
Indo-Fintech Intellectuals: Journal of Economics and Business Vol. 5 No. 3 (2025): Indo-Fintech Intellectuals: Journal of Economics and Business (2025)
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/ifijeb.v5i3.4250

Abstract

Perkembangan teknologi digital telah membawa transformasi besar bagi industri perbankan, terutama melalui inovasi keuangan berbasis teknologi (fintech). Penelitian ini bertujuan untuk menganalisis pengaruh implementasi fintech terhadap efisiensi operasional bank yang terdaftar di Bursa Efek Indonesia (BEI). Efisiensi operasional diukur menggunakan dua indikator utama: rasio Biaya Operasional terhadap Pendapatan Operasional (BOPO) dan Rasio Biaya terhadap Pendapatan (CIR). Penelitian ini menggunakan pendekatan kuantitatif dengan regresi data panel, menggunakan laporan keuangan tahunan bank untuk periode 2019-2023. Hasilnya menunjukkan bahwa jumlah transaksi digital memiliki efek negatif dan signifikan terhadap BOPO dan CIR, yang menunjukkan bahwa semakin tinggi volume transaksi digital, semakin efisien kinerja operasional bank. Temuan ini menunjukkan bahwa digitalisasi transaksi dapat mengurangi biaya operasional dan meningkatkan produktivitas bank. Implikasi praktis dari penelitian ini menyoroti pentingnya investasi berkelanjutan dalam infrastruktur digital, memperkuat keamanan siber, dan mendidik pelanggan untuk mendorong adopsi layanan digital yang lebih luas. Lebih lanjut, temuan ini diharapkan dapat menjadi referensi bagi regulator dalam merumuskan kebijakan yang mendukung transformasi perbankan digital, menjaga stabilitas sistem keuangan, dan meningkatkan daya saing industri perbankan di era digital.
Analysis Of Optimal Portfolio Formation Using A Model Markowitz On LQ-45 Stocks Fitriani Rahim; Naura Wafiyah; Muhammad Akram Zaki Irfan; A. Nur Habibie Jannah; Reshki
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.v2i2.908

Abstract

This study aims to analyze the construction of an optimal investment portfolio using the Markowitz Model for stocks listed in the LQ-45 index. The LQ-45 stocks were chosen because they represent leading and highly liquid companies on the Indonesia Stock Exchange, consisting of diverse industrial sectors that provide broad opportunities for risk reduction through diversification. The research method includes the calculation of expected returns, standard deviations as a measure of risk, and covariance among selected stocks to examine the interrelationship of asset movements. These components are then used to determine the optimal portfolio composition that offers the maximum possible return for a given level of risk or, conversely, minimizes risk for a targeted expected return. The results of the analysis demonstrate that the Markowitz Model is effective in forming portfolios that align with different investor risk preferences. The diversification effect generated by combining stocks across various sectors significantly reduces unsystematic risk without diminishing return potential. The findings also indicate that an optimal portfolio constructed using this method can serve as a practical and strategic investment alternative for both individual and institutional investors, particularly in a volatile market environment. Furthermore, this study provides valuable insights into portfolio selection strategies that can support investment managers in developing evidence-based decision-making frameworks. By applying modern portfolio theory, investors can better understand risk–return trade-offs and improve the efficiency of their investment allocations in the Indonesian capital market.
From Heritage To Commodity: The Politics Of Authenticity In Makassar’s Culinary Tourism Muh Al Fatah Arief Putra; Andi Aryani Hardiyanti; Fitriani Rahim; Indah Lestari Anwar; Fakhirah Husain
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.v2i2.913

Abstract

This study examines the cultural politics of culinary tourism in Makassar City, Indonesia, focusing on how ethnic cuisines function as both cultural representations and economic commodities. Employing a qualitative, interpretive approach grounded in cultural anthropology, the research analyzes secondary data from academic studies, tourism reports, and field observations to explore how authenticity, identity, and power intersect in Makassar’s evolving foodscape. The findings reveal that the city government and private stakeholders strategically promote dishes such as Coto Makassar, Pallubasa, Konro, and Pisang Epe as symbols of local heritage, while other traditional foods remain marginalized. This selective representation reflects institutional power in shaping narratives of authenticity and modernity. Culinary tourism in Makassar simultaneously preserves and commodifies cultural heritage, strengthening urban branding yet risking cultural simplification. Globalization, market adaptation, and the influence of food franchises such as Mie Gacoan further contribute to the homogenization of local cuisine. Nonetheless, local initiatives rooted in Bugis-Makassar culinary traditions continue to assert cultural resilience through the use of traditional ingredients and local wisdom. The study concludes that sustainable culinary tourism in Makassar requires inclusive governance and participatory cultural representation, ensuring that local communities maintain agency in defining their food heritage. Food, therefore, emerges as both sustenance and a medium for negotiating identity, power, and heritage in an increasingly globalized tourism economy.
Sensitivity Sector State-Owned Banking towards Signal Policy Fiscal: Event Study Change of Finance Minister on Himbara Banks Shares Nidrah, Nidrah; Rika Kurniawati; Fitriani Rahim
Jurnal Multidisiplin Sahombu Vol. 5 No. 07 (2025): Jurnal Multidisiplin Sahombu, November (2025)
Publisher : Sean Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The capital market serves as an important indicator for capturing informational changes, including political events related to fiscal policy. The announcement of a new Minister of Finance is considered an information event that may influence investor perceptions due to the strategic role of this position in determining national economic direction and fiscal stability. This study aims to examine the capital market reaction to the announcement, focusing on state-owned bank stocks (Himbara Banks) listed on the Indonesia Stock Exchange. An event study method was employed with an eleven-day event window (T–5 to T+5). The analysis utilized One Sample T-Test to detect significant abnormal returns on each observation day and Paired Sample T-Test to compare mean abnormal returns before and after the event. The findings reveal significant abnormal returns on T–3, T+3, and T+5, indicating that the market responded noticeably to the political event. The reaction on T–3 suggests possible information leakage, while the reactions on T+3 and T+5 reflect delayed market assessment of the new fiscal policy’s impact on state-owned banks. However, the Paired Sample T-Test indicates no significant difference between average abnormal returns before and after the announcement. These results suggest that the Indonesian capital market has not yet achieved semi-strong form efficiency.
Co-Authors A. Nur Habibie Jannah Andi Aryani Hardiyanti Andi Mustika Amin Aslam, Annisa Paramaswary Fakhirah Husain Indah Lestari Anwar Muh Al Fatah Arief Putra Muhammad Akram Zaki Irfan Muhammad Yasir Naura Wafiyah Nidrah, Nidrah Reshki Ridho, M. Yunasri Rika Kurniawati