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JIKA: Jurnal Ilmu Keuangan dan Perbankan
Published by Universitas Komputer Indonesia
ISSN : 20892845     EISSN : 26559234     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Arjuna Subject : -
Articles 15 Documents
 1   2 
Search results for , issue "Vol. 14 No. 2: Juni 2025" : 15 Documents clear
Analysis of Just In Time Implementation as an Effort to Increase Production Efficiency in the Plywood Industry Azizah, Fitrotul; Nusantara, Ari Fahimatussyam Putra
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 14 No. 2: Juni 2025
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.v14i2.15777

Abstract

The study aims to determine the application of just-in-time in plywood production and to determine the indicators of just-in-time success in increasing the efficiency of plywood production at PT. Cendana Putra Nusantara Tegalsiwalan-Probolinggo. The methodology used in this study is a qualitative approach with a descriptive type. Data collection techniques include observation, interviews, and documentation. This study shows that PT. Cendana Putra Nusantara applies the just-in-time method by eliminating waste that does not add value to the product, such as overproduction, waiting time, inventory, transportation, processing, motion, or production defects, although it is still not optimal. Furthermore, the application of the just-in-time method at PT. Cendana Putra Nusantara, although not yet fully maximized, can increase the company's production efficiency with the level of capacity utilization, level of labor utilization, level of raw material utilization, level of order completion, service, and level of errors or defects. Keywords: Management Accounting; Just-in-time; Production Efficiency; Manufacturing Company; Plywood
The Effect of Provision of Business Capital from the National Pension Savings Bank (BTPN) Syariah and Business Location on the Development of Small Business Darma, Aswin Fahmi; Safaruddin Munthe; Riski Aseandi
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 14 No. 2: Juni 2025
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.v14i2.15865

Abstract

This study aims to determine the effect of additional business capital from BTPN Syariah and business location on the development of Small Businesses in East Binjai District. This rapidly developing information technology is responded by the BTPN Syariah company, which provides business credit to mothers of underprivileged families with the aim of improving the quality of life of underprivileged mothers' families, where credit assistance is only used in order to improve their existing businesses or to open new businesses. To become a BTPN Syariah customer, the age is 18 to 25 years or married, for the beginning, but the age of 60 is also allowed, and the provision of credit without collateral. This study uses a quantitative research method, using primary data sources. The results of the study show that there is an effect of additional business capital from BTPN Syariah on the development of Small Businesses in East Binjai District. There is an effect of business location on the development of Small Businesses in East Binjai District. There is an effect of additional business capital from BTPN Syariah and business location on the development of Small Businesses in East Binjai District. Keywords: Influence of Giving; BTPN Syariah; Business Capital; Business Location; Business Development
The Role of Internal Capabilities in Driving the Financial Sustainability of SMEs: A Resource Based View Perspective Hamzah, Amir
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 14 No. 2: Juni 2025
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.v14i2.15887

Abstract

This study aims to examine the influence of budget planning, financial literacy, accounting literacy, and access to finance on the financial sustainability of Small and Medium Enterprises (SMEs) in Kuningan Regency. Motivated by the challenges faced by SMEs in ensuring long-term financial viability, this research adopts the Resource-Based View (RBV) theory to explore how internal capabilities contribute to sustainable business performance. Using a quantitative approach, data were collected through surveys involving 108 SMEs selected via simple random sampling. Data analysis was conducted using Structural Equation Modeling with the Partial Least Squares (SEM-PLS) method. The findings reveal that budget planning, financial literacy, and access to finance have a significant positive impact on financial sustainability. However, accounting literacy does not show a significant influence. These results highlight the importance of strengthening internal competencies to improve SME financial resilience. The study contributes to the literature by integrating internal capability variables within the RBV framework and offers practical insights for SME development strategies in similar regional contexts. Keywiords: SMEs; Budget Planning; Financial Literacy; Access to Finance; Financial Sustainability
Economic Policy Uncertainty and ASEAN-6 Exchange Rates: A Long-Run Panel ARDL Analysis Munandar, Aris
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 14 No. 2: Juni 2025
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.v14i2.16229

Abstract

This study examines the effect of U.S. and global Economic Policy Uncertainty (EPU) on the exchange rates of ASEAN-6 countries (Indonesia, Malaysia, Philippines, Singapore, Thailand, Vietnam) using balanced monthly panel data from January 2010 to December 2024. Employing a Panel Autoregressive Distributed Lag (ARDL) model estimated using the Pooled Mean Group (PMG) estimator, the empirical findings demonstrate that heightened U.S. and global EPU induce long-run appreciation of ASEAN-6 currencies. Consequently, the research underscores the necessity for ASEAN-6 central banks to proactively monitor U.S. and global EPU trends and adjust monetary or foreign exchange operations to mitigate export competitiveness erosion and inflationary pressures, while governments should support exporters with diversification strategies to maintain competitiveness amidst sustained currency appreciation driven by external uncertainty. Keywords: Economic Policy Uncertainty; Exchange Rates; ASEAN-6; Currency Appreciation; Panel ARDL
The Effect of Social Assistance Programs on Human Development Index in Central Java Anawati, Triski; Retno Febriyastuti Widyawati
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 14 No. 2: Juni 2025
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.v14i2.15991

Abstract

This analysis focuses of this research is identifying the effect of social assistance programs on the Human Development Index (HDI) in Central Java Province during the period 2019-2023. The analyzed programs include Non-cash Food Assistance (BPNT), Smart Indonesia Program (PIP), Contribution Assistance Recipients (PBI), and Family Hope Program (PKH). The research employs a panel data regression analysis using the Fixed Effect Model, processed with EViews 12 software. The findings reveal that BPNT, PKH, and PBI have a positive and statistically significant effect on the Human Development Index, while PIP shows a negative and statistically insignificant effect on the Human Development Index in Central Java Province on 2019-2023. Keywords: HDI; Social Assistance; BPNT; PKH; PBI
The Effect of Financial Literacy and Consumption Patterns on Millennials' Investment Choices in Mataram City Amri, Syaiful; Siswanto, Topan; Helmida, Baiq Ertin; Wardani, Rosyia
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 14 No. 2: Juni 2025
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.v14i2.16017

Abstract

This research aims to analyze the effect of financial literacy and consumption patterns on the investment choices of the millennial generation in the city of Mataram, both partially and simultaneously. The millennial generation is a productive age group that plays a strategic role in economic development but often faces challenges in financial management and long-term investment planning. The approach used is explanatory associative quantitative with purposive sampling technique on 100 millennial respondents aged 25 to 44 years. Data were collected through a Likert scale-based questionnaire and analyzed using multiple linear regression through SPSS. The results of the data analysis show that all research instruments are valid and reliable, the data is normally distributed, there is no heteroscedasticity, and there is no multicollinearity. Partially, financial literacy and consumption patterns each influence investment choices. Meanwhile, simultaneously, both variables significantly influence millennials' investment choices. These findings underscore the importance of enhancing financial literacy and controlling consumption behavior in shaping rational and sustainable investment habits among the younger generation, particularly in urban areas like Mataram City. Keywords: Financial Literacy; Consumption Patterns; Investment Decisions; Millennial Generation; Mataram City
Behavioral Economics and Online Donation Behavior on TikTok Rukiah, Rukiah; Farid, Ahmad Salman
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 14 No. 2: Juni 2025
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.v14i2.15649

Abstract

The rise of digital philanthropy has transformed the way individuals engage with charitable giving, particularly on social media platforms such as TikTok. Understanding the behavioral economic factors that influence online donation behavior is crucial for optimizing fundraising strategies. This study employs a qualitative research design, incorporating in-depth interviews and content analysis of donation-related campaigns on TikTok. Thematic analysis was conducted to identify key behavioral economic drivers influencing donation decisions. The findings reveal that emotional heuristics, social proof, reciprocity, and frictionless giving significantly impact donation behavior on TikTok. The role of influencers, algorithmic exposure, and real-time donation tracking fosters a community-driven donation culture that encourages both impulse and sustained giving. The discussion highlights how choice architecture and platform design facilitate seamless donation experiences. Social influence mechanisms, such as herd behavior and bandwagon effects, further enhance donation participation. The study suggests that digital fundraising efforts should leverage emotionally engaging content, influencer endorsements, and simplified payment processes to maximize effectiveness. This study contributes to the growing body of knowledge on digital philanthropy by identifying the behavioral economic principles underlying online donations on TikTok. While offering strategic insights for fundraisers, the research acknowledges limitations related to sample demographics and qualitative scope, recommending future studies to explore quantitative metrics, cross-platform donation behaviors, and longitudinal engagement trends. Keywords: Behavioral Economics; Online Donation; TikTok Fundraising; Social Influence; Digital Philanthropy
Measuring Influencing Remittance Sending by Indonesian Migrant Workers Widyawati, Retno Febriyastuti; Andi Lopa Ginting
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 14 No. 2: Juni 2025
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.v14i2.15888

Abstract

This study aims to determine the effect of income, work experience, gender, and age of Indonesian Migrant Workers on remittances in ten districts/cities in East Java Province. This study uses primary data obtained from interviews. The analysis technique uses multiple linear regression analysis using EViews 12 software. The study results indicate that the income variable positively and significantly affects remittances sent by Indonesian Migrant Workers in ten districts/cities in East Java Province. Meanwhile, for the work experience variable, gender and age of Indonesian Migrant Workers have a negative and insignificant effect on remittances in ten districts/cities in East Java Province. The allocation of remittances is used for productive activities such as to meet daily needs and education costs. There are also investment activities such as buying land, buying livestock, and saving in banks. In addition, remittances sent by Indonesian Migrant Workers are used to pay debts. This study contributes to understanding the dynamics of remittances in East Java and can be a basis for formulating policies that support the welfare of migrant workers and their families. Keywords: Remittance; Income: Work Experience; Gender; Age
Research The Implementation of Basel III on The Financial Performance of The Banking Industry in Indonesia Suryanto, Suryanto; Rasmini, Mas
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 14 No. 2: Juni 2025
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.v14i2.15912

Abstract

The 2008 global financial crisis prompted the Basel Committee to design the Basel III regulatory framework to strengthen capital and financial system resilience. Indonesia, as part of the global financial system, has also adopted Basel III since 2018, which directly impacts the structure and financial performance of national banking. This study aims to analyze the effect of Basel III implementation on the financial performance of banks in Indonesia, focusing on the indicators of Return on Assets (ROA), Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL), and Loan to Deposit Ratio (LDR). The research method used is a quantitative approach with panel data regression and validation using the Generalized Method of Moments (GMM) based on data from the 10 largest commercial banks from 2015 to 2024. The study results show that CAR has a positive and significant effect on ROA, while NPL has a negative effect, which is increasingly significant after being tested using GMM. The mean difference test also shows a significant increase in CAR after Basel III. While LDR has a positive effect, it is not significant. This study provides empirical evidence that the Basel III policy effectively improves the financial structure and increases the resilience of the national banking industry.  Keywords: Basel III; ROA; CAR; CAR; NPL; LDR
Controlling variable indirect WCTO as the mediating variable against ROE Parlina, Nurhana Dhea; Maiyaliza, Maiyaliza; Budianto, Erwin
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 14 No. 2: Juni 2025
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.v14i2.15975

Abstract

This study aims to examine the direct and indirect effect of current ratio and working capital turn over (WCTO) dan return on Equity (ROE), with WCTO serving as a mediating variable , pharmaceutical sub sector company list on the Indonesia Stock Exchange (IDX) during the 2019-2023 period. The Research adopts a quantitative approach using secondary data in the form on annual financial statements. The sample was selected  using purposive sampling resulting in 40 data point from 8 companies. The analytical method use is path analysis support by 25 software. During the observation method, average sales in pharmaceutical sub sector industry show a declining tren leading to decrease in both profit and working capital. However data also indicate the beginning of the new growth in this sector. Therefore this study was conducted in the response to these on  emerging patterns. The result show that WCTO has significant indirect effect on ROE while the current ratio doesnot have a direct impact  on ROE Keywords: Path Analysis; CR; WCTO; ROE; Finance

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