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INDONESIA
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 203 Documents
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RESCHEDULING GOTONG ROYONG UNTUK PENANGANAN KREDIT BERMASALAH PADA PT BPR BCS MAGETAN Puspitasari, Nurma Dwi; Utomo, Supri Wahyudi; Yusdita, Elana Era
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 11 No. 1: Desember 2021
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.v11i1.5058

Abstract

ABSTRACT The purpose of this study is to determine the handling of bad loans or problem loans at PT BPR BPR Buana Citra Sejahtera from the Bank's behavior or the behavior of bank employees. This type of research is qualitative research. The research method uses interviews and observations. The data source in this study is primary data, obtained from several employees of PT BPR Buana Citra Sejahtera related to the credit section. Troubled credit handling carried out by the behavior of PT BPR Buana Citra Sejahtera employees in addition to implementing technical imposed by the Financial Services Authority, namely in the form of rescheduling, reconditioning, restructuring, and confiscation of guarantee goods. PT BPR Buana Citra Sejahtera also applies a sense of chair and humanity by through the process of resignation of the monthly book close to wait for customers who have agreed to pay off their bad credit. So besides considering the return of credit for the bank in the end there are values caught on the practice of PT BPR Buana Citra Sejahtera, namely still considering a sense of mutual cooperation, humanity, kinship. Keywords: People's credit bank, employee behavior, accounting for confectional, financial institutions, principle timeliness. ABSTRAK Tujuan dari penelitian ini yaitu untuk mengetahui penanganan kredit macet atau kredit bermasalah pada PT BPR Buana Citra Sejahtera dari perilaku pihak bank atau perilaku karyawan bank. Jenis penelitian ini adalah penelitian kualitatif. Metode penelitian menggunakan wawancara dan observasi. Sumber data pada penelitian ini adalah data primer, diperoleh dari beberapa karyawan PT BPR Buana Citra Sejahtera yang berhubungan dengan bagian kredit. Penanganan kredit bermasalah yang dilakukan oleh perilaku karyawan PT BPR Buana Citra Sejahtera selain menerapkan tehnik yang diberlakukan oleh Otoritas Jasa Keuangan yaitu berupa rescheduling, reconditioning, restructuring, serta penyitaan barang jaminan. PT BPR Buana Citra Sejahtera juga menerapkan rasa kekelurgaan dan kemanusian dengan melalui proses pengunduran tanggal tutup buku bulanan untuk menunggu nasabah yang telah sepakat akan melunasi kredit macetnya. Jadi selain pertimbangan kembalinya kredit untuk pihak bank pada akhirnya terdapat nilai-nilai yang tertangkap pada praktik PT BPR Buana Citra Sejahtera yaitu masih mempertimbangkan rasa gotong royong, kemanusiaan, kekeluargaan. Kata Kunci: Bank perkreditan rakyat, Perilaku karyawan, Akuntansi keperilakuan, Lembaga Keuangan, Prinsip ketepatan waktu.
KETERBATASAN INFORMASI KEBIJAKAN DIVIDEN DAN IMPLIKASINYA TERHADAP KEGAGALAN INVESTASI SAHAM: (Survey pada Perusahaan IDX High Dividend 20) Puspitawati, Lilis; Easterlynda, Yohana
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 11 No. 1: Desember 2021
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.v11i1.5308

Abstract

Kegagalan investasi saham dapat dipicu karena investor kurang mencermati kondisi keuangan perusahaan yang merupakan cerminan keberhasilan para manajer dalam mengelola dana yang tersedia di perusahaan. Kebijakan dividen kepada pemegang saham, ditenggarai berdampak terhadap minat investor dalam membeli saham. Penelitian ini bertujuan untuk mengetahui apakah informasi arus kas operasi dan kebijakan dividen memiliki dampak terhadap pergerakan harga saham. Penelitian ini dilakukan pada Perusahaan IDX High Dividen 20 Index dengan metode deskriftif kuantitatif pada ukuran Populasi 100 dan ukuran sampel 55 laporan keuangan yang dipilih dengan metode purposive sampling. Uji statistik menggunakan analisis jalur, analisis korelasi, analisis koefisien determinan dan ujit. Hasil penelitian ini menunjukkan informasi Arus Kas Operasi yang mencukupi memicu manajer membayar dividen kepada pemegang saham, dan Informasi pemberian dividen pada pemegang saham secara signifikan menjadi pendorong pergerakan harga saham Kata Kunci: Arus Kas Operasi, Kebijakan Dividen dan Harga Saham
THE IMPACT OF DIVIDEND POLICY AND CAPITAL STRUCTURE ON FIRM VALUE IN AGRICULTURAL SECTOR Luckyardi, Senny; Agustini, Kamelia; Nugraha, Nugraha; Sari, Maya
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 11 No. 1: Desember 2021
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.v11i1.5717

Abstract

This study aims to determine the effect of Dividend Policy and Capital Structure on Agricultural Sector’s Company Value. The research method used in this study is verification method with quantitative approach. The case study was conducted on agricultural sector companies listed on the Indonesia Stock Exchange in 2015-2019. The sample used is Price Book Value (PBV) and Debt to Equity Ratio (DER) in 14 agricultural sector companies obtained from Financial Statements published on the Indonesia Stock Exchange website: www.idx.co.id for the period 2015-2019. The results showed that the variables of Dividend Policy and Capital Structure had a negative and not significant effect on company value.
IMPACT OF ADOPTION OF FINANCIAL STANDARDS AND INNOVATIONS ON SME BUSINESS PERFORMANCE: THE ROLE OF COMPETITIVE ADVANTAGE AS A MEDIATION Inrawan, Ady; Silitonga, Hery Pandapotan; Halim, Fitria; Sudirman, Acai; Lie, Darwin
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 11 No. 1: Desember 2021
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.v11i1.5757

Abstract

This study aims to determine the role of competitive advantage in mediating the relationship between the adoption of financial reporting standards and innovation on the business performance of SMEs in Pematangsiantar City. This study uses a research design with a quantitative approach to causality. Data collection techniques using observation, interviews, questionnaires and documentation. The sampling method used in this study is the convenience sampling method. The data analysis method used is Partial Least Square (PLS).The data analysis test tool uses the statistical software Smartpls 3.0. The results showed that innovation and competitive advantage had a significant effect on business performance, the adoption of financial reporting standards on business performance obtained an insignificant impact. Whereasthe effect of the adoption of financial reporting standards on competitive advantage obtained significant results. Furthermore, the effect of innovation on competitive advantage obtained insignificant results. Then competitive advantage can mediate the relationship between the adoption of financial reporting standards on business performance. Furthermore, the competitive advantage variable is not able to mediate the relationship between innovation and business performance.
ANALISIS TEKNIKAL DENGAN MENGGUNAKAN MOVING AVERAGE CONVERGENCE-DIVERGENCE DAN RELATIVE STRENGTH INDEX PADA SAHAM PERBANKAN Suryanto, Suryanto
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 11 No. 1: Desember 2021
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.v11i1.5896

Abstract

ABSTRACT Stock investment is an investment that has a high risk. An investor needs to do an investment analysis before deciding to invest. Investment analysis can be carried out using both fundamental and technical approaches. Technical analysis is often an option because it is fast and easy to apply. This study aims to examine the level of differences in the use of technical analysis with the moving average convergence-divergence (MACD) method and the relative strength index (RSI) as a means of making stock investment decisions. The research method used in this research is the descriptive analysis method. This research was conducted on a group of banking stocks that are included in LQ45. The results showed that there was no difference between the price of the buy signal and the sell signal before and after using the MACD and RSI methods. The results also show that there is no difference between the buy signal and the sell signal between MACD and RSI. Therefore, it can be stated that for the same object and period, the MACD and RSI methods produce the same investment decisions (buy signal and sell signal). Keywords: technical analysis, MACD, RSI, buy signal, sell signal ABSTRAK Investasi saham merupakanjenis investasi yang memiliki resiko tinggi. Seorang investor perlu melakukan analisis investasi sebelum memutuskan untuk berinvestasi. Analisis investasi dapat dilakukan dengan menggunakan pendekatan fundamental dan teknikal. Analisis teknikal seringkali menjadi pilihan karena cepat dan mudah diterapkan. Penelitian ini bertujuan untuk menguji tingkat perbedaan penggunaan analisa teknikal dengan metode moving average convergence-divergence (MACD) dan relative strength index (RSI) sebagai alat pengambilan keputusan investasi saham. Metode penelitian yang digunakan dalam penelitian ini adalah metode analisis deskriptif. Penelitian ini dilakukan pada sekelompok saham perbankan yang termasuk dalam LQ45. Hasil penelitian menunjukkan bahwa tidak ada perbedaan harga antara sinyal beli dan sinyal jual sebelum dan sesudah menggunakan metode MACD maupun RSI. Hasil penelitian juga menunjukkan bahwa tidak ada perbedaan antara sinyal beli dan sinyal jual antara MACD dan RSI. Dengan demikian dapat dikatakan bahwa untuk objek dan periode yang sama, metode MACD dan RSI menghasilkan keputusan investasi yang sama (sinyal beli dan sinyal jual). Kata kunci: analisa teknikal, MACD, RSI, sinyal beli, sinyal jual
INDIKATOR KOLEKTIBILITAS KREDIT JOINT FINANCING MENGGUNAKAN OLS & LOGIT Silalahi, Derisman; Hulu, Edison
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 11 No. 1: Desember 2021
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.v11i1.5918

Abstract

This study aims to determine indicators that have a significant effect on debtor collectability. The number of sample data used is 102 joint financing debtors whose loans were realized in 2019, which consists of two groups of 51 debtors that have current and non-current collectability. The analytical method used is the ordinary least square method and the logit regression method, where the combination of the two analytical methods being used at once was not yet found in previous studies. The analysis result using ordinary least squares shows three (3) significant indicators that affect collectability, namely term of the loan, value of collateral and monthly liabilities, with a significance level of 0.05. Meanwhile, the binary logit analysis results in four (4) significant indicators, namely term of the loan, value of collateral and monthly liabilities with a significance level of 0.05 and level of job risk with a significance level of 0.10. The R-squared value in the ordinary least square is 41%, which means that the ten indicators in this study simultaneously affect the collectability variable, while 59% is influenced by other variables not included in this study. The analysis using the logit regression method shows an R-square value of 39% which can be said that the ten indicators altogether affect debtor collectability by 39%.
PENGARUH PROFITABILITAS TERHADAP NILAI EMITEN SYARIAH DI INDONESIA Prasetyo, Yoyok; Lestari, Rini; Rahayu, Yulianita; Nurlela, Yuli
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 11 No. 2: Juni 2022
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.v11i2.5897

Abstract

The main task of the management of a public company is to prosper the shareholders. This is reflected in the increase in the value of the company.This study was conducted to determine the effect of profitability, especially Return on Assets (ROA) and Return on Equity (ROE) on firm value. The method used in this research is a quantitative approach. Obtained a sample of 15 Islamic companies listed on the Indonesia Stock Exchange (IDX). The results showed that the independent variable Return on Assets (ROA) did not have a partial effect on the dependent variable of Islamic firm value, both Price to Book Value (PBV) and Tobin's Q. While the independent variable Return on Equity (ROE) had a partial effect. on the dependent variable of Islamic firm value, both Price to Book Value (PBV) and Tobin's Q. So that in order to prosper the shareholders, the management of public companies must try to increase the Return on Equity (ROE).
FAKTOR-FAKTOR YANG MEMPENGARUHI PEMBAYARAN NON TUNAI PADA E-COMMERCE Hadi, T Saiful; Kismawadi, Early Ridho; Chalil, Rifyal Dahlawy; Bahri, M Irvani
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 11 No. 2: Juni 2022
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.v11i2.6036

Abstract

This study aims to determine the effect of consumer knowledge, the ease and features of the service on the decision to use. A total of 100 respondents were involved in this study using purposive sampling technique. Respondents were selected based on the criteria, namely, e-commerce users at least 5 times who used Shopee, Tokopedia and Lazada in the past year. Multiple Linear Regression Analysis was used in this study as a method to analyze data using SPSS 16.0 (Statistical Package for Social Science) software. The results of this study indicate that: (1) Consumer knowledge has a positive and significant effect on decisions to use non-cash payments in e-commerce, indicated by the value of the income coefficient (X1) which is positive, namely 2.507 and the p-value is less than the significance level (0.014 < 0.05). (2) Ease has a positive and significant effect on the decision to use non-cash payments in e-commerce, indicated by the value of the convenience coefficient (X2) which is positive, namely 3.023 and the p-value is less than the significance level (0.003 < 0.05). (3) Service features have a positive and significant effect on the decision to use non-cash payments in e-commerce, as indicated by the service feature coefficient value (X3) which is positive, namely 3.409 and the p-value is less than the significance level (0.001 < 0.05). And the coefficient of determination (R2) is 0.341 or 34.1%. This value indicates that 34.1% of usage decisions are influenced by consumer knowledge, convenience and service features, while the remaining 65.9% is influenced by independent variables that are not examined.
DOES COVID-19 EFFECT BANK PERFORMANCE? An Evidence from Indonesia Johan, Suwinto; Chuadrey, A. Letizia M.
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 11 No. 2: Juni 2022
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.v11i2.6472

Abstract

The Covid-19 epidemic has impacted many elements of human existence. The economy is in a downturn. The number of individuals living in poverty is rising. Many businesses are going out of business. Banking is a sector that helps a country's economy. The goal of this study is to see if COVID-19 impacts the banking industry's performance. The data for this study spans two years, from 2019 to 2020. The year before the pandemic is 2019, and the pandemic is 2020. This study includes data from 17 banks as a sample. The Mann-Whitney non-parametric test method was employed in this investigation. The study looks at any changes in bank financial performance in Indonesia before and after the Covid-19 outbreak. According to the findings, bank performance in company size, profitability, and efficiency did not alter before or during the pandemic. This explains why the bank's performance is stable due to the government's macroeconomic policies. Bank success has been sustained by macro policies
PERSPEKTIF PERTUMBUHAN LABA DITINJAU DARI SUKU BUNGA KREDIT, KUALITAS AKTIVA PRODUKTIF DAN RASIO KREDIT BERMASALAH Atthariq, Naufaldo Mohammad; Suhayati, Ely
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 11 No. 2: Juni 2022
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.v11i2.6558

Abstract

Penelitian ini bertujuan untuk melihat seberapa besar Suku Bunga Kredit, Kualitas Aktiva Produktif (KAP) dan Rasio Kredit Bermasalah (NPL) mempengaruhi Pertumbuhan Laba dengan cara parsial ataupun simultan di bank-bank BUMN Indonesia yang tercatat pada Bursa Efek Indonesia. Metode penelitian yang digunakan dalam penelitian ini adalah deskriptif dan verifikatif dengan analisis regresi linear berganda menggunakan software SPSS v.25 dalam penelitian ini. Pengambilan sampel dilakukan melalui pooled data menggunakan time series dan cross section yaitu mengambil data berbentuk informasi keuangan dari bank BUMN pada jangka waktu 2013 hingga 2020 dengan jumlah populasi sebesar 4 Bank BUMN, sehingga dihasilkan jumlah sampel yaitu sebesar 32 data. Hasil dari analisis menunjukkan bahwa secara parsial Suku Bunga Kredit (SBK), Kualitas Aset Produktif (KAP) dan Rasio Kredit Bermasalah (NPL) memiliki pengaruh yang signifikan terhadap pertumbuhan laba. Serta secara simultan Suku Bunga Kredit (SBK), Kualitas Aset Produktif (KAP) dan Rasio Kredit Bermasalah (NPL) memiliki pengaruh signifikan terhadap pertumbuhan laba.

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