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All Journal JIMFE (Jurnal Ilmiah Manajemen Fakultas Ekonomi) Journal of Accounting and Finance Management (JAFM) Jurnal Ar Ro'is Mandalika (Armada)
Setiadi, Hendri
Unknown Affiliation
Religion Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics

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Financial Knowledge Financial Attitudes and Personality as Key Determinants of Financial Management Behavior Among Young Adults Phang, Michelle; Tannia, Tannia; Dovir Siratan, Elkunny; Novindra Idroes, Ferry; Setiadi, Hendri
Journal of Accounting and Finance Management Vol. 6 No. 6 (2026): Journal of Accounting and Finance Management (January - February 2026)
Publisher : DINASTI RESEARCH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jafm.v6i6.2995

Abstract

This study examines determinants of financial management behavior among Indonesian youth aged, a productive cohort that is central to economic resilience yet faces persistent challenges in budgeting, saving regularity, and long-term planning. Building on behavioral finance perspectives, the framework integrates financial knowledge, financial attitude, and personality to address a documented research gap in Indonesian youth contexts where cognitive explanations are often examined without sufficient integration of affective and psychological factors. Using a quantitative survey design with a five-point Likert scale, data were collected from 435 purposively selected respondents meeting criteria related to age, residence, income/allowance, and active financial management experience. Data were analyzed in SPSS (v25) through instrument testing and multiple regression procedures (validity, reliability, t-test, F-test, and model fit indices). The result is intended to inform youth-focused financial education and policy initiatives by emphasizing integrated interventions that strengthen literacy, cultivate constructive attitudes, and support self-regulatory development through practical learning.
Adaptive Banking Strategies to Address Embedded Finance Disruption in Digital Commerce Platforms Tahu, Gregorius Paulus; Setiadi, Hendri; Verawati, Yenny
Jurnal Ar Ro'is Mandalika (Armada) Vol. 6 No. 3 (2026): JURNAL AR RO'IS MANDALIKA (ARMADA)
Publisher : Institut Penelitian dan Pengembangan Mandalika Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59613/armada.v6i3.6264

Abstract

This study explores the impact of embedded finance disruption on traditional banking institutions within digital commerce platforms. The rapid integration of financial services such as payments, lending, and insurance into e-commerce platforms poses both challenges and opportunities for banks. The aim of this research is to identify adaptive strategies that banks can adopt to remain competitive in the face of this disruption. Using a library-based research methodology, data was collected from secondary sources, including books, academic journals, and industry reports. The findings reveal that banks are increasingly leveraging open banking, APIs, and digital transformation strategies to integrate their services into digital platforms. However, challenges related to regulatory compliance, data privacy, and organizational resistance remain significant barriers. In conclusion, banks must embrace innovation, collaborate with fintech companies, and develop flexible, customer-centric solutions to thrive in the evolving digital finance ecosystem.
EFFICIENCY ANALYSIS OF ISLAMIC BANKING IN YEAR 2018 - 2023 USING STOCHASTIC FRONTIER ANALYSIS Setiadi, Hendri; Heirunissa, Heirunissa; Widyowati, Mutiara Puspa
JIMFE (Jurnal Ilmiah Manajemen Fakultas Ekonomi) Vol 11, No 2 (2025): Vol 11, No 2 (2025)
Publisher : Universitas Pakuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34203/jimfe.v11i2.12022

Abstract

ABSTRACTThis study aims to analyze the efficiency of 12 Islamic commercial banks and the market competition of Islamic commercial banks in Indonesia during 2018 to 2023. The data used is secondary data per quarter taken from each bank's website and from OJK. The method used in this study is Stochastic Frontier Analysis (SFA) with input variables, namely operating costs, labor costs, fixed assets, total assets, and third party funds, while the output variable is the total financing of Islamic commercial banks and the Panzar-Rosse method to measure the level of competition in the banking industry. The test results show the highest efficiency value for Category 2 Commercial Bank category by Muamalat Indonesia Bank with a score of 93,67%. The highest efficiency value for Islamic commercial banks in the Bank Group 3 category is Sharia Indonesia Bank with a score of 95,04%. In addition, the lowest efficient value for Category 1 Commercial Bank Islamic commercial banks is Aladin Sharia Bank with a score of 53,66%, and the lowest efficiency value for Bank Group 1 Islamic commercial banks is Aladin Sharia Bank with a score of 82,03%. Islamic commercial banks simultaneously in Category 1 Commercial Bank to Category 3 Commercial Bank and Bank Group 1 to Bank Group 3 show market competition classified as monopolistic competition and the market is not concentrated.ABSTRAKPenelitian ini bertujuan untuk menganalisis efisiensi 12 bank umum syariah dan daya saing pasar bank komersial syariah di Indonesia selama tahun 2018 hingga 2023. Data yang digunakan adalah data sekunder per kuartal yang diambil dari website masing-masing bank dan dari OJK. Metode yang digunakan dalam penelitian ini adalah Stochastic Frontier Analysis (SFA) dengan variabel input, yaitu biaya operasional, biaya tenaga kerja, aset tetap, total aset, dan dana pihak ketiga, sedangkan variabel output adalah total pembiayaan bank komersial syariah dan metode Panzar-Rosse untuk mengukur tingkat daya saing di industri perbankan. Hasil pengujian menunjukkan nilai efisiensi tertinggi untuk kategori BUKU 2 oleh Bank Muamalat Indonesia dengan skor 93,67%. Nilai efisiensi tertinggi untuk bank umum syariah dalam kategori KBMI 3 adalah Bank Syariah Indonesia dengan skor 95,04%. Selain itu, nilai efisiensi terendah untuk bank umum syariah BUKU 1 adalah Bank Aladin Syariah dengan skor 53,66%, dan nilai efisiensi terendah untuk bank komersial syariah KBMI 1 adalah Bank Aladin Syariah dengan skor 82,03%. Bank komersial syariah secara bersamaan di BUKU 1 hingga BUKU 3 dan KBMI 1 hingga KBMI 3 menunjukkan persaingan pasar yang diklasifikasikan sebagai persaingan monopolistik dan pasar tidak terkonsentrasi.
Co-Authors Gregorius Paulus Tahu Heirunissa, Heirunissa Novindra Idroes, Ferry Phang, Michelle Siratan, Elkunny Dovir Tannia, Tannia Widyowati, Mutiara Puspa Yenny Verawati