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All Journal Jurnal Publikasi Ilmu Manajemen Moneter : Jurnal Ekonomi dan Keuangan Ekonomi Keuangan Syariah dan Akuntansi Pajak
Totok Adi Prasetyo
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Mathematics Other

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Efektivitas Pengelolaan Utang Negara oleh Kementerian Keuangan: Analisis Risiko dalam Manajemen Keuangan Makro Saat Ini Noor Azizah; Muhammad Zaini; Muhammad Sainil Abidin; Totok Adi Prasetyo
Jurnal Publikasi Ilmu Manajemen Vol. 4 No. 4 (2025): Desember: Jurnal Publikasi Ilmu Manajemen
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jupiman.v4i4.5757

Abstract

This study aims to evaluate the effectiveness of the Ministry of Finance's government debt management within the framework of macrofinancial management in Indonesia. Amid global economic volatility and geopolitical uncertainty, debt management is a crucial instrument for maintaining fiscal sustainability while financing national development. This study uses a qualitative descriptive method with a risk analysis approach that encompasses market risk, liquidity risk, and operational risk. Secondary data were obtained from debt management profile reports and recent macroeconomic indicators. The analysis shows that the Ministry of Finance has successfully maintained the debt-to-GDP ratio within the legally mandated safe limits through a strategy of instrument diversification and optimization of domestic financing sources. However, significant challenges remain from exchange rate fluctuations and the rising trend in global interest rates, which have the potential to increase debt interest burdens. The study concludes that the effectiveness of debt management is currently stable, but that strengthening the early warning system mechanism and closer synergy between monetary and fiscal policies is needed. This study's recommendations emphasize the importance of deepening domestic financial markets to reduce dependence on foreign investors and mitigate the risk of sudden capital outflows.
Analysis of the Profitability Ratio as Empirical Evidence of Financial Performance in PT Bank Central Asia Tbk Listed on the IDX Nur Alya Amalia; Muh. Sainil Abidin; Totok Adi Prasetyo
Moneter : Jurnal Ekonomi dan Keuangan Vol. 4 No. 3 (2026): Juli : Moneter : Jurnal Ekonomi dan Keuangan
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/moneter.v4i3.2437

Abstract

This study aims to analyze the financial performance of PT Bank Central Asia Tbk in terms of profitability ratios during the 2022–2025 period. The research method used is a descriptive quantitative approach utilizing secondary data in the form of the company's annual financial reports obtained through the Indonesia Stock Exchange. Profitability measurement is proxied through three main indicators: Return on Assets (ROA), Return on Equity (ROE), and Return on Investment (ROI) based on total productive assets. The analysis results show that during the observation period, PT Bank Central Asia Tbk was able to maintain very strong and stable financial performance. The average ROA value was recorded at 3.50%, which is well above Bank Indonesia's health standards. Meanwhile, effective equity management resulted in a very competitive average ROE of 20.13%, and strategic fund allocation resulted in an average ROI of 3.81%. Overall, this empirical evidence confirms the very high efficiency in the utilization of operational assets and optimization of the capital structure to provide maximum returns for shareholders with prudent risk management.
Analysis of Financial Statements Using Solvency Ratios to Assess Financial Stability Lucia Chandra Dewi; Andi Santoso; Noor Azizah; Totok Adi Prasetyo
Moneter : Jurnal Ekonomi dan Keuangan Vol. 4 No. 3 (2026): Juli : Moneter : Jurnal Ekonomi dan Keuangan
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/moneter.v4i3.2438

Abstract

This study aims to analyze the use of solvency ratios in assessing the financial stability and long-term financial performance of companies. A quantitative descriptive approach was employed using secondary data obtained from the 2024 consolidated financial statements of PT Telkom Indonesia (Persero) Tbk. The analysis focuses on four key solvency indicators: Debt to Asset Ratio (DAR), Debt to Equity Ratio (DER), Long-Term Debt to Equity Ratio (LTDER), and Times Interest Earned (TIE). These ratios were selected because they provide comprehensive information regarding a company’s capital structure, debt management, and ability to fulfill long-term financial obligations. The results show that the company recorded a Debt to Asset Ratio of 45.77%, a Debt to Equity Ratio of 84.42%, a Long-Term Debt to Equity Ratio of 37.18%, and a Times Interest Earned ratio of 8.25 times. These findings indicate that PT Telkom Indonesia (Persero) Tbk maintains a relatively healthy capital structure, a well-controlled level of long-term debt, and a strong capacity to meet interest payment obligations through operating income. Therefore, solvency ratio analysis can serve as an effective tool for evaluating financial resilience, supporting strategic business decision-making, and providing valuable insights for investors, creditors, and other stakeholders in assessing the company’s long-term financial sustainability.
Dampak Financial Technology (FinTech) dan Bank Digital terhadap Kinerja Perbankan Konvensional di Indonesia Nur Alya Amalia; Lucia Chandra Dewi; Andi Santoso; Muh.Faisal Akbar Amin; Totok Adi Prasetyo
Ekonomi Keuangan Syariah dan Akuntansi Pajak Vol. 3 No. 1 (2026): Januari : Jurnal Ekonomi Keuangan Syariah dan Akuntansi Pajak (EKSAP) 
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/eksap.v3i1.1952

Abstract

This study aims to determine the impact of Financial Technology (Fintech) and digital banking on the overall performance of conventional banking institutions in Indonesia. This research employs a qualitative approach using a comprehensive literature review as its primary method. Data analysis in this study was conducted through an extensive review of various sources, including books, peer-reviewed journal articles, research reports, official websites, newspapers, and magazines, to obtain a holistic understanding of the topic. The results of this study indicate that both Fintech and digital banking significantly affect the performance of conventional banks in Indonesia. Specifically, the effect of Fintech on conventional banking is reflected in a decrease in traditional banking profitability, because Fintech platforms provide alternative channels and competition in credit distribution and financial services. Meanwhile, the effect of digital banking on conventional banking includes improvements in operational efficiency, wider service accessibility for customers, and noticeable changes in customer behavior and expectations. These findings suggest that conventional banks must adapt strategically to remain competitive in the evolving financial ecosystem.
Co-Authors Andi Santoso Lucia Chandra Dewi Muh. Sainil Abidin Muh.Faisal Akbar Amin Muhammad Sainil Abidin Muhammad Zaini Noor Azizah Nur Alya Amalia