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FAKTOR MEMPENGARUHI KEPUTUSAN NASABAH PADA TABUNGAN MUDHARABAH BANK UMUM SYARIAH PERIODE 2015-2019 DI INDONESIA Maryati, Mari; Purnomo, Hadi; Sutisnawati, Yayah; Herlina, Maya
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.v11i2.6659

The purpose of this research is to understand the effect of inflation and financing to deposit ratio on Mudhrabah Savings in Islamic commercial banks in Indonesia in the period 2015-2019. Financial statements for the period 2015-2019 with the number of 6 Islamic banking companies were sampled in this research. Data processing results are obtained using multiple regression analysis. The results of the T test showed that inflation and FDR had a significant positive influence on mudharabah savings, while the results of the F test showed that inflation, and financing to deposit ratio had a significant effect on mudharabah savings.

PENGARUH KONDISI FINANCIAL DISTRESS TERHADAP RASIO AKTIVITAS DI PERUSAHAAN MANUFAKTUR YANG TERCATAT DI BURSA EFEK INDONESIA PERIODE 2019-2020 Putra, Hasa Nurrohim Kurniawan; Yacobus, Aryono
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.v11i2.6696

This study aims to re-examine the Profitability Ratio, Liquidity Ratio, Profitability Ratio, Financial Leverage Ratio, Cash Position Ratio, Growth Ratio, Operating Activity Ratio. Second, to determine the effect of financial distress on the activities of companies in the manufacturing industry sector on the Indonesia Stock Exchange for the 2019-2020 period. Is there an effect of financial ratios on activities for companies experiencing financial distress for the 2019-2020 period. The analytical tool used is logistic regression statistical analysis, while to determine whether the company is experiencing financial distress or not, it uses Altman's Z Score analysis. After testing, it was found that the cash position ratio and activity ratio had a significant effect on companies experiencing financial distress. Keywords: Financial Ratios, Financial Distress, Logistics Regression Statistics. Penelitian ini bertujuan untuk menguji kembali Rasio Profitabilitas, Rasio Likuiditas, Rasio Profitabilitas, Rasio Financial Leverage, Rasio Posisi Kas, Rasio Pertumbuhan, Rasio Aktivitas Operasi. Kedua, untuk mengetahui pengaruh financial distress terhadap aktivitas perusahaan pada sektor industri manufaktur di Bursa Efek Indonesia periode 2019-2020. Apakah ada pengaruh rasio keuangan terhadap aktivitas bagi perusahaan yang mengalami financial distress periode 2019-2020. Alat analisis yang digunakan adalah analisis statistik regresi logistik, sedangkan untuk mengetahui apakah perusahaan mengalami financial distress atau tidak digunakan analisis Altman's Z Score. Setelah dilakukan pengujian diketahui bahwa cash position ratio dan activity ratio berpengaruh signifikan terhadap perusahaan yang mengalami financial distress. Keywords : Rasio Keuangan, Kesulitan Keuangan, Statistik Regresi Logistik.

ANALISIS MANAJEMEN PEMASARAN KREDIT LUNAK BERBASIS FINANCIAL TECHNOLOGY BUMDES RIDAN Hasan, Samsurijal; Farhas, Risqon Jamil; Librianty, Nany L
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.v11i2.6705

This research was motivated by the difficulty of applying for soft credit loans directly in the last two years due to the adjustment of the digital-based loan mechanism in the village-owned business entity Ridan Permai. This study aims to analyze the marketing management of soft credit based on financial technology which is carried out by a business entity owned by the village of Ridan Permai. The research method used is a qualitative descriptive method. The number of respondents in this study amounted to 20 people. The number of respondents represents only one neighborhood unit. The results show that the marketing management of soft credit based on financial technology needs more companions and more intense socialization. The contribution of the results of this research provides additional knowledge and skills of the community when using financial applications when applying for soft loans to develop their respective businesses. have to queue when applying for a loan.

PENGARUH PROFITABILITAS, LEVERAGE, STRUKTUR MODAL DAN KEBIJAKAN DIVIDEN TERHADAP NILAI PERUSAHAAN ERA PANDEMI COVID-19 Ilyas, Meifida; Hertati, Lesi
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.v11i2.6744

Accountants need to consider all current and future relevant information about the related business so it is necessary to carefully consider the Covid-19 timeframe for the financial reporting period. Financial statements break down financial items into smaller units of information and see their meaningful relationships with one another, both quantitative and non-quantitative data, with the aim of knowing deeper financial conditions which are very important for making the right decisions. This research was conducted on food and beverage companies on the Indonesia Stock Exchange for the 2015-2019 period totaling 30 (thirty) populations. The results of the study show that the influence of profitability, leverage, capital structure and dividend policy has an effect on company value in the era of the covid-19 pandemic. This study uses the Profitability Ratio tool to measure the company's ability to generate profits (profitability) at a certain level of sales, assets, and share capital. The company's financial statement information contains four ratios, namely profit margin, net profit margin, return on investment (ROI) or return on total assets (ROA), and return on equity (ROE). in one accounting period can know the financial statements accurately. Keywords: Profitability, Leverage, Capital Structure and Dividend Policy, Firm Value Akuntan perlu mempertimbangkan semua informasi yang relevan saat ini dan masa depan tentang bisnis keuangan terkait sehingga perlu mempertimbangkan dengan cermat pelaporan keuangan era pademi Covid-19.. Manfaat laporan keuangan adalah guna memecah masalah keuangan sebagai informasi yang kecil dan dapat melihat hubungan yang bermakna satu sama lain, baik data kuantitatif maupun non-kuantitatif, dengan tujuan untuk mengetahui lebih dalam kondisi keuangan guna pengambilan keputusan yang tepat. Penelitian ini dilakukan pada perusahaan makanan dan minuman di Bursa Efek Indonesia periode 2015-2019 yang berjumlah 30 (tiga puluh) populasi. Hasil penelitian menunjukkan bahwa pengaruh profitabilitas, leverage, struktur modal dan kebijakan dividen berpengaruh terhadap nilai perusahaan di era pandemi covid-19. Penelitian ini menggunakan alat Rasio Profitabilitas untuk mengukur kemampuan perusahaan dalam menghasilkan laba (profitabilitas) pada tingkat penjualan, aset, dan modal saham tertentu. Informasi laporan keuangan bisnis perusahaan memuat empat rasio, yaitu profit margin, net profit margin, return on investment (ROI) atau pengembalian total aset (ROA), dan return on equity (ROE). dalam satu periode akuntansi guna mengetahui laporan keuangan secara akurat. Kata Kunci: Profitabilitas, Leverage, Struktur Modal dan Kebijakan Dividen, Nilai Perusahaan

STOCK CLOSING PRICE PREDICTION OF ISX-LISTED INDUSTRIAL COMPANIES USING ARTIFICIAL NEURAL NETWORKS Al-Hasnawi, Salim Sallal; Al-Hchemi, Laith Haleem
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.v11i2.7114

Making stock investment decisions is a complex challenge that investors continuously face. When it comes to an uncertain future, making the wrong decision can result in massive losses. The paper aims to develop an artificial neural networks-based model predicting the closing price of top-six traded industrial ISX-listed stocks, which can guide investment decisions. The sample consisted of daily indexes ISX-released from (3/3/2019) to (31/3/2019). Matlab 2014b was used to run artificial neural networks using nntool software. Model's performance was evaluated using Mean squared error (MSE), Root mean squared error (RMSE), and R squared. Empirical results demonstrated the ability and efficiency of artificial neural networks to predict closing prices with high accuracy. As a result, we recommended employing Artificial Neural Networks model to predict stock prices as well as relying on to make decisions.

Factors Affecting the Profit of Coal Companies in Indonesian Stock Exchange (IDX) Maryana, Maryana; Irfan, Irfan; Rahman*, Bobby; Wanto, Adri
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 12 No. 1: Desember 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.v12i1.6555

This study aims to examine the effect of Firm Size, Leverage, and Accrued Expenses on Profits in coal companies listed on the Indonesia Stock Exchange. The data used in this study is secondary data from as many as 8 coal companies listed on the Indonesia Stock Exchange for an observation period of 7 years so there are 56 observations. The sampling technique used is the purposive sampling method. The method used is panel data regression analysis. The results of the study show that simultaneously show that Firm size, leverage, and Accrued Expenses have a positive and significant effect on the profits of coal companies listed on the Indonesia Stock Exchange. Keywords: Profit, Firm Size; Leverage; Accrued Expense; Coal Companies This study aims to examine the effect of Firm Size, Leverage, and Accrued Expenses on Profits in coal companies listed on the Indonesia Stock Exchange. The data used in this study is secondary data from as many as 8 coal companies listed on the Indonesia Stock Exchange for an observation period of 7 years so there are 56 observations. The sampling technique used is the purposive sampling method. The method used is panel data regression analysis. The results of the study show that simultaneously show that Firm size, leverage, and Accrued Expenses have a positive and significant effect on the profits of coal companies listed on the Indonesia Stock Exchange. Kata Kunci: Laba; Ukuran Perusahaan; Leverage; Beban Akrual; Perusahaan Batu Bara

Analysis of Bank Health Before and After the Implementation of Pernyataan Standar Akuntansi Keuangan (PSAK) 71 Antari, Wulan Dwi; Anggraini, Triana; Rosita*, Reni
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 12 No. 1: Desember 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.v12i1.6721

The change in the implementation of PSAK 55 to PSAK 71 at the beginning of 2020 is an important event that has occurred in the banking industry, with this research aims to see whether there are differences in the soundness of banks before and after the application of PSAK 71 to Conventional Banks listed in the Indonesia Stock Exchange (IDX) in 2019-2020. Taking the sample of 31 banks was selected through purposive sampling. Using a non-parametric test namely, the Wilcoxon rank sign range test, assessed by the SPSS v.22. Bank soundness level is measured using Risk Profile, Good Corporate Governance, Earnings, and Capital (RGEC). Research gives the result that the level of bank soundness has an overall difference before and after the application of PSAK 71. Keywords: Bank soundness; PSAK 71; Conventional Banks; Indonesia Stock Exchange (IDX); RGEC Pergantian pemberlakuan PSAK 55 menjadi PSAK 71 pada awal tahun 2020 menjadi peristiwa penting yang terjadi pada industri perbankan, dengan ini penelitian bertujuan untuk melihat adakah perbedaan tingkat kesehatan bank sebelum dan sesudah penerapan PSAK 71 pada Bank Konvensional yang terdaftar di Bursa Efek Indonesia (BEI) tahun 2019 – 2020. Sampel sebanyak 31 Bank dengan teknik pengambilan sampel purposive sampling. Menggunakan uji non-parametrik yaitu uji wilcoxon sign rank test. Pengukuran tingkat kesehatan bank menggunakan Risk Profile, Good Corporate Governance, Earnings, dan Capital (RGEC). Penelitian memberikan hasil bahwa tingkat kesehatan bank memiliki perbedaan secara menyeluruh ketika sebelum dan sesudah penerapan PSAK 71. Kata Kunci: Kesehatan Bank; PSAK 71; Bank Konvensional; Bursa Efek Indonesia (BEI); RGEC

Local Government Financial Ability in Doing Regional Loans in The Covid-19 Pandemic Era Fery, Irlan
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 12 No. 1: Desember 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.v12i1.6757

The purpose of this study was to determine the financial capacity of local governments in making regional loans in the era of the COVID-19 pandemic. The results of the study stated that regional revenue is a source of capital, which is collected and used to finance various regional development implementation activities. The method used is Structural Equation Modeling PLS, population of this research is carried out on local government organizations, namely related sub-units in the section of the Regional Secretariat, DPRD Secretariat, Inspectorate, Service and Agency in Musi Banyuasin Regency totaling 37 people. The results show that the financing of regional autonomy requires the ability of local governments to explore sources of revenue that are not dependent on the central government. Keywords: Regional Finance; Regional Loans; Regional Revenue; Regional Development; Local Government Tujuan penelitian ini untuk mengetahui kemampuan keuangan pemerintah daerah di dalam melakukan pinjaman daerah era pandemi covid-19. Hasil penelitian menyatakan bahwa penerimaan daerah merupakan sumber modal, yang dihimpun dan dimanfaatkan untuk membiayai berbagai kegiatan pelaksanaan pembangunan daerah. Metode yang digunakan yaitu Structural Equation Modeling PLS, populasi penelitian ini dilakukan pada Organisasi Pemerintah Daerah yaitu sub-sub unit terkait pada bagian dari Sekretariat Daerah, Sekretariat DPRD, Inspektorat, Dinas dan Badan di Kabupaten Musi banyuasin berjumlah 37 orang. Hasil penelitian menunjukan bahwa pembiayaan otonomi daerah menuntut adanya kemampuan pemerintah daerah untuk menggali sumber-sumber penerimaan yang tidak tergantung kepada pemerintah pusat. Kata Kunci: Keuangan Daerah; Pinjaman Daerah; Pendapatan Daerah; Pembangunan Daerah; Pemerintah Daerah

Banking Health Analysis Using RGEC Trihandayani*, Deri; Yunita, Irni
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 12 No. 1: Desember 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.v12i1.6871

The purpose of this study is to analyze the soundness of banking in Indonesia before and during the pandemic using RGEC, which consists of Non Performing Loans (NPL), Good Corporate Governance (GCG), Return on Assets (ROA), and Capital Adequacy Ratio (CAR). The impact of this research is to assist banking companies in analyzing their level of health before and during the pandemic. This research is a quantitative study with a descriptive approach, using secondary data from the first quarter to the fourth quarter of 2019 (before the pandemic) and the first quarter to the fourth quarter of 2020 (during the pandemic). Based on data from banking companies listed on the Indonesia Stock Exchange, the population studied was 45 companies, with a sample of 35 companies. The results showed that there was no significant difference in the soundness of banks using the RGEC method as proxied by NPL, GCG, ROA, and CAR. Keywords: Banking Health; NPL; GCG; ROA; CAR Tujuan penelitian ini adalah menganalisis tingkat kesehatan perbankan di Indonesia sebelum dan saat pandemi menggunakan RGEC, yang terdiri dari Non-Performing Loan (NPL), Good Corporate Governance (GCG), Return on Assets (ROA), dan Capital Adequacy Ratio (CAR). Dampak dari penelitian ini adalah membantu perusahaan perbankan dalam menganalisis tingkat kesehatannya pada sebelum dan saat pandemi. Penelitian ini merupakan penelitian kuantitatif dengan pendekatan deskriptif, menggunakan data sekunder dari triwulan I hingga triwulan IV tahun 2019 (sebelum pandemi) dan triwulan I hingga triwulan IV 2020 (saat pandemi). Berdasarkan data perusahaan perbankan yang terdaftar di Bursa Efek Indonesia, populasi yang diteliti adalah 45 perusahaan, dengan sampel 35 perusahaan. Hasil penelitian menunjukkan bahwa tidak terdapat perbedaan signifikan pada tingkat kesehatan bank menggunakan metode RGEC yang diproksi dengan NPL, GCG, ROA dan CAR. Kata Kunci: Tingkat Kesehatan Bank; NPL; GCG; ROA; CAR

Analysis of The Debtor's Endurance using Cox Regression Semiparametric Method Handayani*, Vitri Aprilla; Reza, Widya; Anggraeni, Andini Setyo; Rusmadi, Garry
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 12 No. 1: Desember 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.v12i1.7194

The aim of this research was conducted to determine the factors that influence the resilience of car loan debtors in an area. The research method used is semiparametric Cox regression on secondary data, WAREHOUSE consisting of the customer profile (demography) and historical payment consisting of 25 observed variables. The Cox regression model used in this study is a proportional hazard Cox regression model. Based on the description of the data, it shows that there is a risk of defaulting debtors who have been past due compared to never past due. Cox proportional hazard regression model with the semiparametric method can be used to identify factors that affect debtor resilience. Of the 25 variables observed, there is one variable, namely the X16 (Age) variable which does not significantly affect the debtor's endurance. Keywords: Debtor Resistance; Historical Payment; Semiparametric; Cox Regression; Proportional Hazard Penelitian ini bertujuan untuk mengetahui faktor yang berpengaruh terhadap daya tahan debitur kredit mobil di suatu wilayah. Metode penelitian yang digunakan pada penelitian ini adalah semiparametric regresi cox pada data sekunder, warehouse yang terdiri profil (demographi) customer dan historycal payment terdiri atas 25 varibel yang diamati. Model regresi Cox yang digunakan pada penelitian ini adalah model regresi Cox hazard proporsional. Berdasarkan deskripsi data menunjukkan adanya risiko debitur gagal bayar yang Pernah Past Due dibandingkan Never Past Due. Model regresi cox proportional hazard dengan metode semiparametrik dapat digunakan untuk mengedentifikasi faktor-faktor yang mempengaruhi daya tahan debitur. Dari 25 variable yang diamati ada 1 (satu) variable yaitu peubah X16 (Age) yang tidak signifikan berpengaruh terhadap daya tahan debitur. Kata Kunci: Daya Tahan Debitur; Riwayat Pembayaran; Semiparametrik; Regresi Cox; Proporsi Hazard

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Arjuna Rizaldi

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Home Page

OAI Link

Editorial Team

Contact

Reviewer

Google Scholar

Contact Name Arjuna Rizaldi

Contact Email arjuna@email.unikom.ac.id

Phone -

Journal Mail Official arjuna@email.unikom.ac.id

Editorial Address -

Location Kota bandung, Jawa barat INDONESIA

Abstract

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Contact Name
Arjuna Rizaldi

Contact Email
arjuna@email.unikom.ac.id

Phone
-

Journal Mail Official
arjuna@email.unikom.ac.id

Editorial Address
-

Location
Kota bandung,

Jawa barat

INDONESIA