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JIMFE (Jurnal Ilmiah Manajemen Fakultas Ekonomi)
Published by Universitas Pakuan
ISSN : 25021400     EISSN : 25025678     DOI : 10.34203/jimfe
Core Subject : Economy,
Economics, Econometrics & Finance
Jurnal Ilmiah Manajemen Fakultas Ekonomi (JIMFE) aims to publish scientific articles in management which can give contribution to the education and development of the science. JIMFE welcomes empirical, theoretical, and case-based studies articles which are relevant to all management aspects including.
Arjuna Subject : -
Articles 394 Documents
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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.
MODEL OF MICROFINANCE FINANCING QUALITY DETERMINANTS BASED ON SOCIAL AND FINANCIAL ASPECTS: A CASE STUDY OF PT. PNM BOGOR AND ITS SURROUNDING AREAS (BOGOR CITY, BOGOR REGENCY, AND DEPOK) Terminanto, Ade Ananto; Heirunissa, Heirunissa; Pratama, Yoghi Citra; Suherlan, Ade
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.v11i2.13541

Abstract

ABSTRACTThis study aims to analyze the influence of social and financial aspects on financing quality at PT PNM in the Bogor and Depok regions. The novelty of this research lies in its recommended social strategy for reducing Non-Performing Loan (NPL) levels. Using primary data from 106 respondents and secondary data, this study applies descriptive analysis methods and SEM-PLS. The results show that social aspects have a significant positive effect on financial aspects. Both social and financial aspects have been shown to have a significant negative effect on the potential for NPL. Social factors such as discipline, group solidarity (joint responsibility), and socio-economic stability of customers determine the smoothness of installments. Financially, the ability to manage business finances and effective risk management are key to maintaining portfolio quality. The study concludes that a strategy combining social and financial approaches is crucial for PT PNM to improve financial performance. It is recommended that PT PNM strengthen its mentoring program, customer education, and regular monitoring system for early risk detection. Mitigation strategies through the implementation of 3R (Rescheduling, Reconditioning, Restructuring) and intensive mentoring need to be optimized to adjust payment obligations to the real conditions of customers in the field.ABSTRAKPenelitian ini bertujuan untuk menganalisis pengaruh aspek sosial dan keuangan terhadap kualitas pembiayaan di PT PNM wilayah Bogor dan Depok. Kebaruan penelitian ini terletak pada rekomendasi strategi aspek sosial untuk menekan tingkat Non-Performing Loan (NPL). Menggunakan data primer dari 106 responden serta data sekunder, penelitian ini menerapkan metode analisis deskriptif dan SEM-PLS. Hasil penelitian menunjukkan aspek sosial berpengaruh positif signifikan terhadap aspek keuangan. Baik aspek sosial maupun keuangan terbukti berpengaruh negatif signifikan terhadap potensi NPL. Faktor sosial seperti kedisiplinan, solidaritas kelompok (tanggung renteng), dan stabilitas sosial-ekonomi nasabah menjadi penentu kelancaran angsuran. Secara finansial, kemampuan pengelolaan keuangan usaha dan manajemen risiko yang efektif merupakan kunci menjaga kualitas portofolio. Penelitian menyimpulkan bahwa strategi kombinasi pendekatan sosial dan keuangan sangat krusial bagi PT PNM untuk meningkatkan kinerja keuangan. Disarankan agar PT PNM memperkuat program pendampingan, edukasi nasabah, serta sistem monitoring berkala untuk deteksi dini risiko. Strategi mitigasi melalui penerapan 3R (Rescheduling, Reconditioning, Restructuring) dan pendampingan intensif perlu dioptimalkan untuk menyesuaikan kewajiban pembayaran dengan kondisi riil nasabah di lapangan.
STRATEGI PENINGKATAN ORGANIZATIONAL CITIZENSHIP BEHAVIOUR PERAWAT MELALUI PENGUATAN BUDAYA ORGANISASI, KEPEMIMPINAN MELAYANI DAN MOTIVASI KERJA Saleh, Aldi Sophian; Sunaryo, Widodo; Hadiyat, Yayan
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.v11i2.13390

Abstract

ABSTRAKPenelitian ini bertujuan untuk menganalisis strategi peningkatan Organizational Citizenship Behavior (OCB) melalui penguatan budaya organisasi, kepemimpinan melayani dan motivasi kerja. Populasi penelitian 151 perawat di RSUD R. Syamsudin, SH. dengan sampel 100 orang yang dipilih dengan metode proposional random sampling. Pengumpulan data menggunakan kuesioner dengan skala likert dan skala rating. Teknik analisis data menggunakan statistik deskriptif dan teknik analisis jalur (path analysis). Hasil penelitian menunjukkan budaya organisasi berpengaruh positif dan signifikan terhadap motivasi kerja. Kepemimpinan melayani berpengaruh positif tetapi tidak signifikan terhadap motivasi kerja. Budaya organisasi berpengaruh positif dan signifikan terhadap OCB. Kepemimpinan melayani berpengaruh positif tetapi tidak signifikan terhadap OCB. Motivasi kerja berpengaruh positif dan signifikan terhadap OCB. Budaya organisasi berpengaruh positif dan signifikan terhadap OCB melalui motivasi kerja (mediasi penuh). Kepemimpinan melayani berpengaruh positif tetapi tidak signifikan terhadap OCB melalui motivasi kerja (tidak ada mediasi).ABSTRACTThis study aims to analyze the strategies for enhancing Organizational Citizenship Behavior (OCB) by strengthening Organizational Culture, Servant Leadership, and Work Motivation. The research population consisted of 151 nurses at R. Syamsudin, SH. Hospital, with a sample of 100 selected using proportional random sampling. Data was collected through questionnaires using Likert scales and rating scales. Data analysis techniques included descriptive statistics and path analysis. The results indicate that: Organizational culture has a positive and significant effect on work motivation. Servant leadership has a positive but insignificant e ffect on work motivation. Organizational culture has a positive and significant effect on OCB.Servant leadership has a positive but insignificant effect on OCB. Work motivation has a positive and significant effect on OCB. Organizational culture has a positive and significant effect on OCB through work motivation (full mediation). Servant leadership has a positive but insignificant effect on OCB through work motivation (no mediation).
DOES FINANCIAL STATEMENT FRAUD MODERATE THE INFLUENCE OF CREDIT RISK AND CAPITAL ADEQUACY ON FINANCIAL DISTRESS Fadillah, Haqi; Aryati, Titik
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.v11i2.13545

Abstract

ABSTRACTIn Indonesia's banking sector, altering or tampering with financial statements is a common practice aimed at portraying better company performance. Nevertheless, this behavior often signals underlying financial struggles or distress within the banks. This study evaluates whether Financial Statement Fraud moderates the linkage between Credit Risk, Capital Adequacy, and Financial Distress. The observation includes banking entities listed on the Indonesia Stock Exchange within the 2019 to 2023 period. Hypotheses were examined using Moderated Regression Analysis (MRA). Empirical evidence reveals that elevated Credit Risk significantly elevates the probability of Financial Distress in banks. Conversely, robust Capital Adequacy serves as a primary safeguard to maintain the fiscal stability of the firm. Financial Statement Fraud proves to exacerbate the detrimental impact of asset risks, obscuring financial distortion signals for investors. These revelations underscore the urgency of reporting integrity and strict compliance with government regulations to prevent insolvency. Maintaining high transparency in financial statements is essential for mitigating future Financial Distress risks.ABSTRAKDi sektor perbankan Indonesia, pengubahan atau pemalsuan laporan keuangan sudah menjadi praktik yang umum dilakukan dengan tujuan untuk menunjukkan kinerja perusahaan yang lebih baik. Namun, kenyataannya, tindakan ini sering kali menandakan adanya permasalahan keuangan atau financial distress yang dialami oleh bank. Penelitian ini menganalisis peran Financial Statement Fraud dalam memoderasi keterkaitan antara Credit Risk, Capital Adequacy, dan Financial Distress. Data observasi mencakup entitas perbankan di Bursa Efek Indonesia dengan rentang waktu pengamatan dari tahun 2019 hingga 2023. Pengujian hipotesis dilakukan menggunakan metode Moderated Regression Analysis (MRA). Bukti empiris mengungkap bahwa peningkatan Credit Risk secara signifikan mempercepat kondisi Financial Distress pada sektor perbankan. Sebaliknya, penguatan Capital Adequacy terbukti memberikan proteksi terhadap potensi kegagalan keuangan yang mungkin dialami perusahaan. Temuan menunjukkan bahwa Financial Statement Fraud memperparah dampak buruk risiko aset terhadap stabilitas ekonomi perbankan. Optimalisasi tata kelola tersebut krusial guna memitigasi potensi Financial Distress pada institusi perbankan di masa depan

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