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Arjuna Rizaldi
Contact Email
arjuna@email.unikom.ac.id
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INDONESIA
JIKA: Jurnal Ilmu Keuangan dan Perbankan
ISSN : 20892845     EISSN : 26559234     DOI : -
Core Subject : Economy,
Arjuna Subject : -
Articles 14 Documents
Search results for , issue "Vol. 14 No. 1: December 2024" : 14 Documents clear
Do E-Service Machine Improve the Quality of Digital Customer Service in the Banking Sector? Azizah, Siti Nur Fikriyyatul; Asri, Tri Mega; Utami, Rachma Bhakti
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 14 No. 1: December 2024
Publisher : Program Studi Keuangan & Perbankan, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34010/jika.v14i1.13830

Abstract

Digital technology is increasingly expanding into banking by changing ordinary transaction models into digital transactions with the emergence of systems such as digital customer service. This article aims to determine the quality of digital customer service with the e-service machine media to the quality of banking services. This method identifies and describes the digital service quality of a private bank's sub-branch office in the City of Malang East Java on their e-service machine. The bank has developed the concept of digital transactions through digital machines which customers can use independently. The research method used is descriptive quantitative. The process of collecting data through questionnaires and literature studies. Based on the results and discussion in this scientific work, most respondents' responses indicate that the quality of digital customer service by e-service machine media is very satisfying to customers. Nevertheless, there is also a need for continuous evaluation and improvement to achieve maximum satisfaction for the customers. Keywords: E-Service; Digital Customer; Banking Service; Private Bank; Service Quality
Optimizing the Cost of Process as a Decision-Making Tool to Determine the Selling Price: Case Study on Tenun Ikat Medali Mas Company Prasaja, Mukti; Lestari, Rufaidho Dwi; Nurrohman, Aan
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 14 No. 1: December 2024
Publisher : Program Studi Keuangan & Perbankan, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34010/jika.v14i1.13933

Abstract

This study aims to find out the cost of production completely and using the process costing method, then determine the selling price of the product using the cost plus pricing approach. The data sources used are primary and secondary data. The data used is descriptive quantitative research. The analysis technique used in this study is descriptive with a quantitative approach, with stages namely grouping data based on cost classification, calculating the cost of production with the process costing method, calculating the selling price with the cost-plus pricing approach, and comparing the calculation of MSMEs Tenun Ikat Medali Mas with the researcher's calculation. This study's results show that the production cost is lower than that of average MSMEs. This indicates the company's ability to accurately calculate the production cost to enhance the company's efficiency. Keywords: Cost of Production; Selling Price; Process costing; Cost-plus Pricing; MSMEs
Institutional Ownership, Firm Size, and Agency Cost: A Moderating Role of Leverage Evalina, Evlin; Gusni, Gusni
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 14 No. 1: December 2024
Publisher : Program Studi Keuangan & Perbankan, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34010/jika.v14i1.13944

Abstract

Agency fees are a form of internal company costs borne by shareholders to oversee and control the activities of agents. These costs arise from core dissatisfaction, inefficiency, and disruption. The agent is given the authority to act on behalf of the principal. These agency costs exist to overcome agency conflicts. This study aims to analyze the assessment of institutional ownership and company size on agency costs with leverage as a variable moderation in state-owned enterprises that appear on the Indonesian securities market. This study constitutes applied research that employs a quantitative methodology and employs secondary data. The count of samples determined by purposive sampling method was 13 companies, from 2018-2022. The method applied in the research involves panel data regression with a random effect specification. The model chosen from the research results is the Fixed Effect. The research results revealed that institutional ownership has a positive impact on agency costs. Firm size has a negative impact on agency costs and leverage only moderates institutional ownership by weakening the impact of institutional ownership on agency costs. Keywords: Agency Conflict; Institutional Ownership; Firm Size; Leverage; Agency Cost
Bankruptcy Prediction Analysis using Altman Z-Score, Springate, and Zmijewski Methods Regita, Regita; Lubis, M Zaky Mubarak; Dewi, Novia Citra; Mohamad, Zam Zuriyati
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 14 No. 1: December 2024
Publisher : Program Studi Keuangan & Perbankan, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34010/jika.v14i1.14031

Abstract

This study aims to predict the bankruptcy of retail companies listed on the Indonesia Stock Exchange for the period 2020-2022 using the Altman Z-Score, Springate, and Zmijewski methods, and test for significant differences between the prediction results of the three methods. The selection of retail companies is up due to sales fluctuations and downward trends during the period 2020-2022. This study uses a quantitative approach with the Kruskal-Wallis test assisted by SPSS 22 software. The research sample was selected through a purposive sampling method so that 35 companies were obtained. The results find that there were companies experiencing bankruptcy for three consecutive years according to the three methods. The data obtained is not normally distributed and heterogeneous so it uses the Kruskal-Wallis Test. The results of the Kruskal Wallis Test show a significant value, meaning that there is a significant difference between the bankruptcy prediction results of the three methods. This is due to differences in financial ratios and bankruptcy criteria used in each method. Bankruptcy Prediction; Altman Z-Score; Springate; Zmijewski; Retail Company
An analysis of Indonesia's Banking Subsector reveals how Earnings Per Share, Return on Assets, Net Interest Margin, and Non-Performing Loans Affect Stock Price Wicaksono, Heri Agung; Ernawati, Nani
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 14 No. 1: December 2024
Publisher : Program Studi Keuangan & Perbankan, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

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

Abstract

This study aims to assess the impact of earnings per share (EPS), return on assets (ROA), net interest margin (NIM), and non-performing loans (NPL) on the stock price of the banking Subsector in Indonesia from 2017 to 2023. The primary focus of this research is the fluctuation in stock prices, which is influenced by various financial factors related to the companies. The methodology employed is quantitative, using panel data analysis using Eviews 13 software. The findings reveal that EPS and ROA have a significant impact on stock value, while NIM and NPL do not show meaningful effects. The study ultimately indicates that indicators such as EPS and ROA have a stronger influence on bank stock prices. Therefore, banking companies should emphasize improving these indicators to attract investor interest in purchasing stocks from the banking sector. Keywords: EPS; ROA; NIM; NPL; Stock Price
Understanding the Drivers of Online Loan Usage in Fashion MSMEs: An Empirical Study in West Java Apriliana, Tria; Gusni, Gusni; Iriani, Yani
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 14 No. 1: December 2024
Publisher : Program Studi Keuangan & Perbankan, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34010/jika.v14i1.14120

Abstract

Access to finance for MSMEs is an important factor in supporting economic growth in Indonesia. Although MSMEs contribute significantly to GDP and employment absorption, they often face difficulties in obtaining funding from traditional financial institutions. With the advancement of information technology, fintech lending has become a popular alternative that offers quick, easy, and inclusive financing. However, the adoption of online loans by MSMEs has not been optimal. This study aims to analyze the factors influencing the intention to use online loans among fashion MSMEs in West Java. This research uses the Technology Acceptance Model (TAM) as the theoretical framework, with independent variables such as subjective norms, perceived behavioral control, financial literacy, risk perception, social influence, perceived ease of use, and perceived usefulness. Data were collected from 40 respondents using simple random sampling and analyzed using SEM-PLS. The results indicate that subjective norms and perceived behavioral control have a positive influence, while financial literacy and risk perception have a negative influence on the intention to use online loans. Social influence, perceived ease of use, and perceived usefulness do not have a significant effect. Limitations include a small sample size and a limited scope. Keywords: Online Loan; Msmes; Subjective Norms; Financial Literacy; TAM
Factors Influencing Financial Reporting Integrity Moderated by Audit Quality Wati, Yenny; Inrawan, Ady; Kesuma, Indrawati Mara; Yusrizal, Yusrizal; Putri, Debi Eka
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 14 No. 1: December 2024
Publisher : Program Studi Keuangan & Perbankan, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34010/jika.v14i1.14125

Abstract

This research aims to determine the influence of good corporate governance and intellectual capital on the financial reports' integrity. Audit quality is utilized as a moderating variable. The IDX is the secondary data source for the years 2019–2023, and the research sample consists of manufacturing enterprises. WarpPLS, which applies the Partial Least Squares (PLS) data analysis techniques, was used to conduct this research. The influence of good corporate governance and intellectual capital on the financial reports' integrity can be moderated by audit quality. The findings of this study will assist firms in identifying internal and external issues that may affect the integrity of financial reports. Current issues raised in the literature regarding the integrity of financial statements can help in evaluating financial information. Keywords: Integrity of Financial Reports; Institutional Ownership; Independent Commissioner; Intellectual Capital; Audit Quality
The Indonesian Commercial Banks' Profitability and Credit Risk Setiawan, Ilham; Zulbetti, Rita; Perwito, Perwito
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 14 No. 1: December 2024
Publisher : Program Studi Keuangan & Perbankan, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34010/jika.v14i1.14135

Abstract

This study examines the impact of credit risk on the profitability of commercial banks listed on the Indonesia Stock Exchange (IDX) during the period 2013-2022. Using purposive sampling, 40 banks were selected from 47 listed banks. Panel data regression analysis was employed to explore the impact of credit risk, measured by Non-Performing Loans (NPL) and Loan Loss Provisions (LLP), on profitability measured by Return on Assets (ROA). The results indicate that NPL has a negative but insignificant effect on ROA, suggesting that an increase in NPL does not directly impact a decrease in ROA. Conversely, LLP has a negative and significant effect on ROA, indicating that an increase in LLP can reduce ROA as banks allocate substantial funds for loan losses, thereby affecting their profitability. Therefore, banks and regulators need to enhance credit risk management. This not only impacts banking profitability but also can maintain the overall stability of the financial system. Keywords: Credit Risk, Non-Performing Loan, Loan Loss Provision, Return on Assets, Bank Profitability.
Prediction of Stock Prices of IDX30-Indexed Companies using Dividend Policy, Profitability, and Firm Size Wulandari, Rika Awalia; Ernawati, Nani; Prasetyo, Yoyok
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 14 No. 1: December 2024
Publisher : Program Studi Keuangan & Perbankan, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34010/jika.v14i1.14138

Abstract

This research aims to determine the influence of Dividend Policy, Profitability, and Firm Size in Predicting Stock Prices of IDX30-indexed companies simultaneously & partially. The data was obtained from the company's financial reports listed on the Indonesia Stock Exchange. The method used is a quantitative method. The sample was determined using a purposive sampling method on IDX30-indexed companies for the period 2018 to 2023. Based on this sampling, 16 companies were obtained as samples. The research findings show that Dividend Policy, Profitability, and Firm Size simultaneously influence Predicting Stock Prices, Dividend policy partially has no influence in predicting stock prices, while partially, both Profitability and Firm Size have an influence in Predicting Stock Prices. Keywords: Stock Price; Dividend Policy; Probability; Firm Size; IDX30
Financial Ratios' Effect on Stock Prices in Banking Subsector Companies Arifin, Childan Berlian; Zulbetti, Rita; Perwito, Perwito
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 14 No. 1: December 2024
Publisher : Program Studi Keuangan & Perbankan, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34010/jika.v14i1.14139

Abstract

This research analyzed the impact of financial ratios on stock prices in banking companies listed on the IDX from 2020 to 2023. Using a sample of 19 companies selected through purposive sampling from 47 issuers, the study examined Profitability (ROA, ROE), Solvency (DER), and Market Value (PBV) ratios. The findings show that ROE and PBV have a positive and significant impact on Stock Prices, suggesting that investors value companies with strong equity returns and market valuation. In contrast, ROA and DER do not significantly influence stock prices, indicating that asset utilization and debt levels may not be major considerations for investors in this sector. These results provide valuable insights for investors and regulators, underscoring the importance of financial ratios in making informed investment decisions and understanding stock price movements in the banking industry. Keywords: Profitability Ratios; Solvency Ratios; Market Value Ratios; Stock Prices; Banking

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