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Jurnal Manajemen Perbankan Keuangan Nitro (JMPKN) Jl. Prof. Abdurahaman Basalamah No.101 Makassar
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INDONESIA
Jurnal Manajemen Perbankan Keuangan Nitro
Published by IBK Nitro
ISSN : 2620780X     EISSN : 26207524     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Fokus dan Scopus pada Jurnal ini yaitu: - Manajemen Perbankan - Manajemen Keuangan - Dan Bidang lainnya yang berhubungan
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 140 Documents
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Pengaruh Dana Pihak Ketiga (DPK), Non Performing Loand (NPL) dan BI Rate Terhadap Penyaluran Kredit Perbankan pada Bank Umum Indonesia Yang Terdaftar Di OJK Periode 2019 – 2023 Frans, Fransiskus Gea; Sunita Dasman; Sari, Pupung Purnama; Tiffani, Dona Arhitania
Jurnal Manajemen Perbankan Keuangan Nitro Vol. 7 No. 2 (2024): Juli 2024
Publisher : LP2M IBK Nitro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56858/jmpkn.v7i2.348

Abstract

Tujuan penelitian ini adalah untuk mengetahui pengaruh dana pihak ketiga (DPK), non-performing loan (NPL) dan suku bunga BI terhadap alokasi kredit bank umum di Indonesia periode 2019-2023. Kajian ini dilakukan karena masih terdapat beberapa permasalahan pada industri perbankan, khususnya terkait penurunan kinerja kredit perbankan dari tahun ke tahun. Kajian dilakukan terhadap bank umum/konvensional yang telah melaporkan data keuangan 105 perusahaan perbankan ke Otoritas Jasa Keuangan (OJK). Metode purposive sampling digunakan untuk melakukan survei sampel terhadap 26 perusahaan perbankan. Kajian dilakukan dengan memperoleh data sekunder dari website Otoritas Jasa Keuangan (OJK) dan statistik ekonomi moneter. Teknik pengumpulan data menggunakan uji deskriptif, uji pemilihan data panel, uji asumsi klasik, dan uji hipotesis dengan menggunakan alat Evieww 10. Berdasarkan hasil penelitian menunjukkan bahwa Dana Pihak Ketiga (DPK), mempunyai hubungan positif yang signifikan terhadap penyaluran kredit, Non-Performing Loan (NPL). ) berpengaruh signifikan dengan hubungan negatif terhadap penyaluran kredit dan suku bunga BI Rate berpengaruh signifikan dengan hubungan positif terhadap penyaluran kredit.
ANALISIS PENGARUH MANAJEMEN RISIKO TERHADAP PROFITABILITAS PERUSAHAAN DENGAN GOOD CORPORATE GOVERNANCE SEBAGAI VARIABEL MODERASI Perdana, Arifin Widi; Setyaningrum, Retno Purwani; Dasman, Sunita; Aminah, Siti
Jurnal Manajemen Perbankan Keuangan Nitro Vol. 7 No. 2 (2024): Juli 2024
Publisher : LP2M IBK Nitro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56858/jmpkn.v7i2.355

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh antara manajemen risiko yang diproksikan oleh nilai (Non Performing Loan, Loan to Deposit Ratio, Capital Adequacy Ratio dan Beban Operasional Pengeluaran Operasional ) terhadap Profitabilitas yang diproksikan dengan nilai (Return On Asset dan Return On Equity) dengan Good Corporate Governance sebagai variabel moderasi pada Bank – bank Badan Usaha Milik Negara (BUMN) tahun 2015 – 2023. Metode yang dilakukan secara purposive sampling berdasarkan laporan tahunan bank – bank tersebut sedangkan metode analisis data menggunkan program SmartPLS 4 dengan hasil yang menunjukkan bahwa Manajemen Risiko berpengaruh negatif dan signifikan terhadap Profitabilitas, tidak ada hubungan antara Good Corporate Governace terhadap Profitabilitas dan Good Corporate Governance tidak mampu memoderasi hubungan antara Manajemen risiko terhadap profitabilitas meskipun secara tidak signifikan hal ini mengindikasikan perlunya optimalisasi pelaksanaan Good Corporate Governance bagi perusahaan.
Faktor-Faktor yang Mempengaruhi Kualitas Audit: Peran Etika Profesi, Kompetensi Auditor, dan Professional Skepticism pada KAP Jawa Barat Rinaldi, Salma Kharisa; Koenta Adji Koerniawan
Jurnal Manajemen Perbankan Keuangan Nitro Vol. 8 No. 1 (2025): Volume 8, Nomor 1, Januari 2025
Publisher : LP2M IBK Nitro

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

Abstract

The aim of this research is to determine the influence of professional ethics, auditor competence, and professional skepticism on audit quality at Public Accounting Firms (KAP) in West Java. The data that will be used in this research is by distributing questionnaires to Public Accounting Firms in West Java. The research method used is a quantitative method. The type of research used is descriptive verification. The population used was 145 AP in 84 Public Accounting Firms in West Java and listed in the IAPI directory in 2023. The sample size was determined using the Taro Yamane formula, resulting in 62 partners as respondents. In this study, a non-probability sampling technique with a purposive sampling type was used. The data analysis technique uses descriptive, Structural Equation Modeling - Partial Least Square (PLS-SEM) analysis using SmartPLS 4.0 software, and hypothesis tests. The research results are based on the answers of respondents who are auditors at Public Accounting Firms in West Java, on average they agree that professional ethics, auditor competence and professional skepticism influence audit quality. The results of the analysis test show that (1) professional ethics has no effect on audit quality, it can be seen from the T-statistic value <1.96 and p-value >0.05, so H1 is rejected, (2) auditor competence has no effect on audit quality, It can be seen from the T-statistic value <1.96 and p-value >0.05 that H2 is rejected. (3) professional skepticism has a significant positive effect on audit quality, which can be seen from the T-statistic value >1.96 and p-value <0.05, so H3 is accepted. (4) Simultaneously professional ethics, auditor competence, and professional skepticism influence audit quality.
THE INFLUENCE OF EXCHANGE RATES AND INFLATION ON THE TRADE BALANCE OF GROUP OF EIGHT (G8) COUNTRY Daulay, Muhammad Apis; Endraswati , Hikmah
Jurnal Manajemen Perbankan Keuangan Nitro Vol. 8 No. 1 (2025): Volume 8, Nomor 1, Januari 2025
Publisher : LP2M IBK Nitro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56858/jmpkn.v8i1.379

Abstract

The study aims to find out how much inflation and exchange rates influence trade balances in the G8 member states of France, Britain, Germany, Italy, the United States, Japan, Canada, and Russia. Starting in 2017–2022. The study uses a quantitative approach with panel data types. The analytical tool used is Eviews 13 with the panel regression method, which has three models, namely the Common Effect Model (CEM), Fixed Effect Models (FEM), and Random Effect Models (REM), selected through three model selection tests, namely the Chow Test, the Hausman Test, and the Langrange Multiplier Test. Based on the results of the study, the exchange rate and inflation variables have no impact on the trade balance sheet in the G8 countries, either partially or simultaneously, in 2017–2022.
ANALISIS SENTIMEN PUBLIK TERHADAP APLIKASI MYPERTAMINA PADA GOOGLE PLAYSTORE Burhan, Muhammad Ikhwan
Jurnal Manajemen Perbankan Keuangan Nitro Vol. 8 No. 1 (2025): Volume 8, Nomor 1, Januari 2025
Publisher : LP2M IBK Nitro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56858/jmpkn.v8i1.390

Abstract

This study aims to analyze public sentiment towards the MyPertamina application on Google Playstore in order to understand user perceptions and identify the main problems faced. The method used is machine learning-based sentiment analysis with the optimized Support Vector Machine (SVM) algorithm. Data was obtained from user reviews on Google Playstore within a certain time period, then pre-processed and classified sentiment into positive, negative, or neutral. The results showed that the majority of reviews were positive, but there were a number of negative reviews that reflected technical and policy challenges in using the application. The SVM model managed to achieve an accuracy of 85.31%, indicating effectiveness in identifying public sentiment. These results are expected to help PT Pertamina in improving the quality of MyPertamina application services.
Analisis Kualitas Layanan Aplikasi WONDR by BNI Terhadap Kepuasan Nasabah (Studi Kasus Bank BNI KCP Paiton): Analisis Kualitas Layanan, Kepuasan Nasabah Terhadap Aplikasi WONDR by BNI, Bank BNI KCP Paiton Hamzah, Muh; Paulia, Daud Em; Shofi, Ahmad; Efendi, Jauhari
Jurnal Manajemen Perbankan Keuangan Nitro Vol. 8 No. 1 (2025): Volume 8, Nomor 1, Januari 2025
Publisher : LP2M IBK Nitro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56858/jmpkn.v8i1.400

Abstract

Digitalization in the banking sector drives transformation to meet customers' needs for fast, easy, and secure services. This study aims to evaluate the service quality of the WONDR application at Bank BNI KCP Paiton using a qualitative-descriptive approach. Data were collected through observations, interviews, and documentation. The findings reveal that the WONDR application offers innovative features such as QRIS payments, investments, and account opening, facilitating customer transactions. Customers provided positive feedback regarding the ease, speed, and security of the services. Despite challenges like limited network access, lack of education, and market competition, customer satisfaction remains high. This application plays a crucial role in enhancing transaction efficiency, customer experience, and loyalty to digital banking services. This study provides insights for BNI in formulating more effective strategies for digital service development in the future
PENGARUH BUDAYA ORGANISASI TERHADAP LOYALITAS KARYAWAN DI SEKTOR PERBANKAN SETYOWATI, LILIS
Jurnal Manajemen Perbankan Keuangan Nitro Vol. 8 No. 1 (2025): Volume 8, Nomor 1, Januari 2025
Publisher : LP2M IBK Nitro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56858/jmpkn.v8i1.405

Abstract

Abstract. This research examines organizational culture's influence on employee loyalty in Indonesia's banking sector. The approach used in this research is qualitative with a case study method, involving in-depth interviews with 20 employees from several banks operating in Indonesia. Data is also collected through observation and analysis of related documents to provide a more comprehensive context. The research results show that organizational culture significantly impacts employee loyalty. An organizational culture that is open, inclusive, and supports innovation tends to increase loyalty, while a rigid and hierarchical culture can decrease employee commitment. The main factors that influence loyalty include open communication, appreciation, and recognition, as well as management support for employee welfare. This research also reveals that the match between individual values ​​and organizational culture plays an important role in reducing turnover. This research implies that banks need to develop a positive and supportive organizational culture to increase employee loyalty. This can be achieved by improving internal communications, providing fair rewards, and showing concern for employee well-being. In this way, banks can retain quality employees, increase productivity, and achieve long-term success.
Pengaruh Pengungkapan Akuntansi Lingkungan Dan Kinerja Lingkungan Terhdapa Nilai Perusahaan Pada Perusahaan Pertanian Yang Terdaftar Di Bei Tahun 2017-2023 Oktaviani, Marista; Setiawan, Adhar Putra; Surahman, Dedy
Jurnal Manajemen Perbankan Keuangan Nitro Vol. 8 No. 1 (2025): Volume 8, Nomor 1, Januari 2025
Publisher : LP2M IBK Nitro

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

Abstract

ABSTRACT This research aims to examine and analyze the influence of environmental accounting disclosures and environmental performance on company value in the largest agricultural companies listed on the Indonesia Stock Exchange for the 2016-2022 period. This research is quantitative research. The research samples were 5 companies that were among the largest companies on the IDX, observation years 2016-2022 which were carried out using purposive sampling techniques. The analysis technique is carried out using multiple linear regression. The research results show that the environmental accounting disclosure variables and environmental performance have a significant effect on company value
Analisis Pengaruh Indikator Makroekonomi Terhadap Profitabilitas Bank Himbara Perdana, Arifin Widi; Purnamasari, Pupung; Aminah, Siti
Jurnal Manajemen Perbankan Keuangan Nitro Vol. 8 No. 1 (2025): Volume 8, Nomor 1, Januari 2025
Publisher : LP2M IBK Nitro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56858/jmpkn.v8i1.433

Abstract

This research was conducted to determine the influence of macroeconomic variables consisting of Inflation, Interest Rates, Economic Growth and Exchange Rates on Profitability which is proxied by the Return On Assets (ROA) value on the research object, namely the member banks of Himbara Bank (State Bank Association). The research method used is a quantitative method, the type of data used is panel data sourced from macroeconomic indicators for 2015 - 2023. Data processing uses SPSS 27 software, the tests carried out are classical assumption tests and hypothesis tests. The research results show that partially inflation has no effect on ROA, interest rates have no effect on ROA, economic growth has no effect on ROA and exchange rates have no effect on ROA. The results obtained indicate that macroeconomic variables do not have a significant effect on the profitability of the research object because they only have an influence of 12.5%.
1. PERAN UNIVERSITAS DALAM MENINGKATKAN JUMLAH NASABAH BANK BNI: Universitas, Jumlah Nasabah Bank BNI ,Metode kualitatif Muzammil, Muhammad ghurran faizul muhajjilin; Taufiqurrahman; Wijayanto, Erik; Kafin, Achmad
Jurnal Manajemen Perbankan Keuangan Nitro Vol. 8 No. 1 (2025): Volume 8, Nomor 1, Januari 2025
Publisher : LP2M IBK Nitro

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Abstract

Universities have a significant contribution in increasing the number of customers and strengthening relationships between financial institutions, such as banks and cooperatives, and the surrounding communities. The following is an explanation of how universities can play a role in increasing the number of clients and encouraging more positive responses from them. The Role of Universities in Increasing the Number of Customers: 1. Financial Literacy: Universities can become centers of financial education for students, lecturers and the surrounding community. By holding seminars, training or workshops on financial literacy, universities contribute to expanding knowledge about banking products, investments and financial management. This can motivate more people to become customers. 2. Institutional Partnerships: Many universities partner with banks or other financial institutions to open branch offices, ATMs, or provide digital financial services on campus. This facility makes it easier for the academic community to access banking services, thereby increasing the number of customers. Qualitative methods are research approaches used to understand social or cultural phenomena in an in-depth and holistic way. This method emphasizes understanding the context, perspective, and experiences of research subjects, often using non-numerical data such as interviews, observations, and text analysis.1. Introduction to Banking Services for Students and Staff 2. Opening a Student Account and Payment of Tuition Fees 3. Scholarship Program and Ease of Access to Finance 4. Promotion and Financial Literacy on Campus 5. Digital Innovation in Banking Services 6. Student Involvement in Internship Programs and Bank Activities Collaboration between Zaha University and Bank BNI has great potential to increase the number of bank customers, especially among students and academic staff. By providing banking services that suit student needs, such as low-cost savings accounts or educational loan facilities, Bank BNI can build stronger relationships with the campus community. Apart from that, the use of digital technology and scholarship or internship programs involving students can speed up this process. However, the challenges of facing competition and ensuring that bank services truly meet student needs remain concerns that need to be managed effectively.

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