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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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Islamic Economic Law Review: Application of Khiyar Rights to Brick Purchases Darma, Aswin Fahmi; Aseandi, Rizki; Munthe, Safaruddin
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol 13 No 2: June 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.v13i2.12750

Abstract

This type of field research aims to determine the application of Khiyar rights to the practice of brick purchasing in the frame of Islamic Economic law. The method used is the descriptive method to excavate the application of Khiyar Rights in buying and selling bricks in Teluk Village, Secanggang District in North Sumatera. The research results show that buying and selling bricks is carried out by ordering (Bai As-salam) directly from the brick traders. Thus, this research finds that both Khiyar Syarat and Khiyar Aib have not properly implemented according to fiqh and the Compilations of Islamic Economic Law (Kompilasi Hukum Ekonomi Islam/KHES). This research makes a significant addition to our comprehension of the dynamics implementation of Khiyar Rights in accordance to the Compilations of Islamic Economic Law.
Market Anomalies: January Effect and Weekend Effect on Stock Return Jannah, Rosidatul; Hidayat, Nur
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol 13 No 2: June 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.v13i2.12783

Abstract

Every investor will always expect a return from their investment and can take advantage of seasonal or calendar anomalies to get the expected return. Seasonal or calendar anomalies are measured using the January Effect and Weekend Effect to determine the pattern of stock price movements. This study aims to examine the effect of the January Effect and Weekend Effect on stock returns. The population used is the LQ45 index which consists of 45 companies. The sample used was 17 companies selected through the purposive sampling technique. The data analysis method used is descriptive statistical analysis and multiple linear regression models. The results showed that stock returns in January showed a negative value, indicating that the January Effect did not affect stock returns. Stock returns show a positive value on Friday compared to other trading days which indicates the Weekend Effect has an effect on stock returns. Together, the January Effect and Weekend Effect influence LQ45 stock returns on the IDX. Keywords: January Effect; Weekend Effect; Return; Investment; Public Information
Determinants of the Equity Price of Main Board Index Companies Komariah, Siti; Gusni, Gusni; Riantani, Suskim
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol 13 No 2: June 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.v13i2.12881

Abstract

The stock price has consistently varied over time in the capital market and can be influenced by a range of internal and external factors. This study aims to identify the elements that investors take into account when making investment decisions on the Main Board Index of the Indonesian stock market, as well as the factors that determine share prices. The study utilized data gathered between 2018 and 2022, from 106 companies listed on the main board index using a purposive sampling method. Panel data regression techniques have been utilized to elucidate the determinants of the firm equity price. Research findings denote that profitability as measured by earnings per share (EPS) and return on assets (ROA), along with the size and value of the firm, contribute positively to equity prices. Conversely, the capital structure exerts a negative impact on share prices, while dividend policy does not affect stock prices. Our findings underscore the significance for investors to consider on factors within a company beside external when processing information and deliberating on investment choices. Keywords: Equity Price; Determinant Factors; Main Board Index; Panel Data; Capital Market
Trend Analysis of Profitability Ratio of Indonesian Sharia Bank Using Semi Average Method Husna, Hidayatul; Lubis, M Zaky Mubarak; Binti Mohamad, Zam Zuriyati
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol 13 No 2: June 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.v13i2.12959

Abstract

One of the key ratios in a bank that is essential is the profitability ratio. This ratio, which can be explained by ROA, ROE, and NIM, is related to the bank's profitability. Customers will use a strong profitability value as a point of comparison. Based on data from 2016–2023 taken from the annual report, this study was carried out in Bank Muamalat and employed a trend analysis to see the development of profitability ratios at Bank Muamalat in 2024–2026. Semi-average analytical approach for trend analysis. The analysis revealed that Bank Muamalat's general trends decreased in all three ratios. This may serve as a reminder to the management to adopt policies that are appropriate for the business. However, Bank Muamalat customers can also utilize these results as a guide to make future financial decisions.
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

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