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Editorial Team EditEdit Editorial Team Penanggung Jawab : Suhartini , Direktur Program Pendidikan Vokasi,Universitas Serang Raya,Indonesia Pemimpin Redaksi : Sutikno , Keuangan dan Perbankan,Universitas Serang Raya,Indonesia Anggota Redaksi : Nursaman , Keuangan dan Perbankan,Universitas Serang Raya,Indonesia Tri Wahyuni ​​Sukiyaningsih ,Akuntansi, Universitas Serang Raya, Indonesia Peninjau Sejawat : 1. Denny Saputera , Perdagangan Internasional, Universitas Widyatama, Indonesia 2. Siska Yuli Anita , Manajemen Keuangan,Universitas Islam Negeri Raden Intan,Indonesia 3. Wulan Rahma Dewi , STIE Insan Pembangunan, Tangerang, Indonesia 4. Sukirno , Manajemen Keuangan, Universitas Serang Raya, Indonesia 5. Ahmad Firdaus , Lembaga Bank Perkreditan Rakyat, Indonesia 6. Dr. Muhammad Yusuf , Akuntansi Perbankan Syariah, Institut Teknologi dan Bisnis Bank Rakyat Indonesia 7. Dr. Sri Budi Cantika Yul , Keuangan, Universitas Muhammadiyah Malang, Indonesia 8. Mohammad Sofyan , Keuangan, Institut Ilmu Sosial dan Manajemen STIAMI, Indonesia 9. Dr.Evan Hamzah Muchtar , Perbankan Syariah, STAI Asy-Syukriyyah, Indonesia 10. Dr.Muliyati , Manajemen,Institut Bisnis dan Informasi Kosgoro 1957, Indonesia 11. Wenny Desty Febrian , Keuangan dan Perbankan, Universitas Dian Nusatara, Indonesia 12. Erwin Harinurdin , Keuangan d
Location
Kota serang,
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INDONESIA
Jurnal Keuangan dan Perbankan(KEBAN)
Published by Universitas Serang Raya
ISSN : -     EISSN : 28086430     DOI : https://doi.org/10.30656/jkk.v1i2
Core Subject : Economy,
Economics, Econometrics & Finance
Fokus dan Lingkup Jurnal ini mencakup ilmu disiplin keuangan dan perbankan (syariah dan konvensional) dari segala bidang yang membahasnya, diantara lain; Sistem Pembayaran,Hukum Keuangan dan Perbankan;Akuntansi dan Pelaporan Keuangan; Investasi Alternatif; penilaian aset; Perilaku Keuangan; keuangan perusahaan; Tata Kelola dan Etika Perusahaan; Penetapan Harga Derivatif dan Lindung Nilai; Keuangan Empiris; Akuntansi Keuangan; Aplikasi Keuangan Teori Keputusan atau Teori Permainan; Aplikasi Keuangan Simulasi atau Metode Numerik; Ekonomi Keuangan; Rekayasa Keuangan; Peramalan Keuangan; Manajemen dan Analisis Risiko Keuangan; Teknologi Keuangan dan Perbankan; keuangan internasional; Optimalisasi Portofolio dan Perdagangan; Keuangan Real Estat; Regulasi Pasar dan Lembaga Keuangan; Keuangan Pedesaan; Model Stochastic untuk Harga Aset dan Instrumen; Risiko Sistemik; Perpajakan;Efisiensi Perbankan; Peraturan Perbankan; Solvabilitas dan Struktur Permodalan Bank; Manajemen Bank; Pengelolaan Dana Bank, Bank Sentral; Perbankan Konvensional versus Non-Konvensional; peringkat kredit; Bank CSR; Stabilitas Keuangan; Perbankan Elektronik; Manajemen Valuta Asing, Perbankan Investasi; Perbankan Internasional; internet bank; Perbankan Syariah; Manajemen Likuiditas; Perbankan Pedagang; Perbankan Seluler; Pengambilan Keputusan Kebijakan Moneter dan Fiskal; Perbankan secara online; Perbankan Lepas Pantai; Perbankan ritel; Perbankan UKM;Pemasaran Perbankan;sumber daya Keuangan dan Perbankan,
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 52 Documents
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How Does Bank Syariah Indonesia's Financial Performance Measure Up Using The RGEC Method's Bank Health Assessment? Sari, Anggi Puspita
Jurnal Keuangan dan Perbankan (KEBAN) Vol. 3 No. 1 (2023): Juli-Desember
Publisher : Universitas Serang Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30656/jkk.v3i1.7764

Abstract

Banks are required to conduct periodic self-assessment of their health level and take effective corrective measures using an assessment of factors including risk profile, good corporate governance (GCG), earnings, and capital, abbreviated as RGEC. The RGEC method is what banks currently use to assess the health level of banks because it is a refinement of previous methods. The degree of bank health as determined by the RGEC technique is the subject of this quantitative descriptive study, which analyzes Bank Syariah Indonesia's health for the years 2019 to 2022. The study's secondary data sources are the yearly financial reports of Islamic Commercial Banks covering the years 2019 to 2022. The following findings are derived from the debate of Bank Syariah Indonesia's Islamic banking sharia for the 2019–2022 evaluation period, The non-performing financing ratio (NPF Nett in composite position 1 may be considered to be in very good health. Conversely, Bank Syariah Indonesia's FDR ratio values in composite positions 1 and 2 might be considered highly healthy. Bank Syariah Indonesia's GCG ratio in composite position 2 may be considered healthy. The Bank Syariah Indonesia's earnings evaluation, or its capacity to turn a profit, received a composite score of 3 to 1, indicating that it is both fairly healthy and extremely healthy from 2019 to 2022. Bank Syariah Indonesia's bank capital was evaluated from 2019 to 2022, and it received a composite evaluation of 1, meaning it is in excellent condition.
The Use of QRIS in MSMEs in Cilegon City Yunita , Adelia
Jurnal Keuangan dan Perbankan (KEBAN) Vol. 3 No. 1 (2023): Juli-Desember
Publisher : Universitas Serang Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30656/jkk.v3i1.7926

Abstract

Changes in people's lifestyles and advances in the development of financial technology (financial technology) currently have an impact on people's desire for fast, precise, and safe digital payment instruments Seeing the current growing trend, several marketplaces are starting to use QR-Code as a payment method. The system changed the habits of many people from initially making cash payments to cashless. This is used by micro, small and medium enterprises (MSMEs) as a tool for simple and complicated financial transaction processes. The number of MSME players in Cilegon City is currently officially recorded at 18,117 business actors in 2023. This number is so large that the contribution of MSMEs to the economy of Cilegon City is felt, especially in terms of new workers. Therefore, this study is to determine the perception of MSME actors in using QRIS the methodology of this research is quantitative descriptive with saturated sampling techniques, the population in this study is 50 MSME actors in Cilegon City with a total sample of the population. The results in the perception of expediency get a percentage result of 72.2%, then in the perception of ease of getting 76.6% and the perception of risk get 69% so that it can be concluded that MSME actors feel helped by the payment system using QRIS
Financial Company Decisions Using Social Media Content Sutikno, Sutikno; Ramadani, Mery; Melyanti, Melyanti
Jurnal Keuangan dan Perbankan (KEBAN) Vol. 3 No. 1 (2023): Juli-Desember
Publisher : Universitas Serang Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30656/jkk.v3i1.8161

Abstract

Financial applications that make it easier for people to invest using technology. One of the efforts they can do is by looking for applications in the financial technology (FinTech) sector in the midst of developing technology in the internet of things (IoT) era. Company X is one of the FinTech sector companies that has an application to make interbank transfers free of admin fees and investment services. This application can help people manage finances, an issue that is being faced by millennials today about the tendency to use their money for entertainment rather than investment. This is also the basis for the company's decision to use their social media, by using content marketing strategies to attract the public. Content is created using message characteristics and builds brand awareness with excellence, can transfer between banks with free admin fees, and investment features easily and attractively for millennials. The method used is qualitative content analysis by looking at how much content is created through social media in responses. The results of this study show where the content marketing strategy carried out by financial company X on social media accounts, one of which is Instagram, provides characteristics built by companies that focus on educational, entertaining, persuasive characteristics that are packaged attractively for the millennial generation
Moderation Firm Size on Influence Working Capital to Total Asset and Debt to Equity Ratio on Share Prices Sukirno, Sukirno; Prsetyo, Muhamad Guntur
Jurnal Keuangan dan Perbankan (KEBAN) Vol. 3 No. 1 (2023): Juli-Desember
Publisher : Universitas Serang Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30656/jkk.v3i1.8169

Abstract

Information about ratiosWorking Capital to Total Asset and Debt Equity Ratio when viewed withsignaling theory will provide positive/negative signals to investors so that it will influence share prices. RatioFirmsize based on contingency theory, it is then tried as a moderator to evaluate the strengthening/weakening of the relationship. This research aims to determine the effectWorking Capital to Total Asset and Debt Equity Ratio to Firmsize-moderated Share Prices. The research population was 281 companies listed on the Southeast Asian stock exchange in the 2012-2020 period, then sampled using purposive sampling to obtain 17 sample companies according to the criteria. The data was then analyzed using Moderating Analysis Regression. The research results show. The research results showWorking Capital to Total Asset significant positive effect on stock prices,Debt Equity Ratio significant negative effect on stock prices, firmsize is able to moderate the effectworking capital to total asset on share prices and firm size are also able to moderate the influencedebt equity ratio to the stock price.
Fundamental Analysis Based on Earnings Per Share on Divident Payout Ratio to Determine the Prospects of Stock Investment in The Retail Sector Rosdaliva, Mehilda; Juniyanto, Arfian Nur
Jurnal Keuangan dan Perbankan (KEBAN) Vol. 3 No. 1 (2023): Juli-Desember
Publisher : Universitas Serang Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30656/jkk.v3i1.8303

Abstract

This study aimed to obtain a more specific and comprehensive explanation of fundamental analysis based on the EPS to DPR ratio in order to determine the prospects for stock investment in retail sub-sector companies. It was expected that readers or investors would gain knowledge and comprehension from the results of this study in order to facilitate their ability to analyze stocks using fundamental analysis in the form of EPS ratio and DPR. The methods used in this study were literature study and observation. Moreover, the data analysis techniques used were in the form of quantitative descriptive analysis and simple linear regression analysis. Furthermore, the financial reports of the stock issuers of MIDI, AMRT, RALS, MYOR, ACES, and CSAP for the 2016–2021 data period were the secondary data sources in this study. The results of this study demonstrated a positive and significant relationship between the impact of variable X (EPS) and variable Y (DPR). Moreover, these results suggested that the EPS and DPR values are strongly associated with determining the future prospects for stock investment in the retail sector. In addition, as a result of the EPS value increase, the DPR value will also experience a significant increase, thereby increasing stock prices and indicating good prospects for growth in stock investment. Therefore, this study may be used as a suggestion for BNI Sekuritas Yogyakarta to encourage customers or investors to invest in stocks in the retail sector, especially MIDI, AMRT, RALS, MYOR, ACES, and CSAP stocks
Finance Technology as a Solution to Get Capital for Small Business Today: Teknologi Finance Sebagai Solusi Mendapatkan Modal Bagi Usaha Kecil Saat Ini Sutikno, Sutikno; Kuruppuarachchi, Duminda
Jurnal Keuangan dan Perbankan (KEBAN) Vol. 1 No. 1 (2021): Juli-Desember
Publisher : Universitas Serang Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30656/jkk.v1i1.3964

Abstract

Financial technology in Indonesia has enormous potential and is easy to manage compared to banks. Financial technology is also easier to use as a source of capital for both stable companies and start-ups. Despite the fact that the great potential can be felt by the public. Other current financial technology companies can integrate funding, financing, and profit distribution systems. In the current era, it is supported by the use of digitalization process technology and using the Financial Technology (FinTech) system so that it is economical and efficient. The benefits of this research are expected to be a solution to capital problems that have been faced by small businesses. In addition, it also encourages the growth and development of entrepreneurship for young people, which can be started by establishing a startup company. This research approach is descriptive qualitative. The data taken is primary data with focus group discussions and interviews as data collection techniques. The research object consists of 30 startups owned by youth in Jakarta. The results of this study can be used as an alternative economical solution to capital problems for small businesses and startup companies. The Financial Technology System is a system that is able to integrate funding, financing, investors, startup companies, Financing Guarantee Institutions, and Banks
The Impact of Islamic Banks in Financing MSMEs in Serang City : Dampak Bank Syariah Dalam Pembiayaan Umkm Di Kota Serang Sutikno, Sutikno; Irwani Abdullah, Nurdianawati
Jurnal Keuangan dan Perbankan (KEBAN) Vol. 1 No. 1 (2021): Juli-Desember
Publisher : Universitas Serang Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30656/jkk.v1i1.3965

Abstract

This study aims to determine the impact of BSM in financing MSMEs in Serang City. The impact of BSM in financing MSMEs in Serang City is currently focused on providing business capital and business assistance. To what extent does Serang Branch BSM play an active role in empowering the community's economy in increasing the business of micro customers by continuing to provide capital financing for entrepreneurs who have prospects and meet the requirements in applying for financing The research method used is qualitative research by collecting data. The results of the study found that the factors that influence BSM in financing MSMEs in Serang City are seen from the types of products that are in demand where people's business loans are used as financing that helps small and medium enterprises in running their business
Restructuring As An Effort To Reduce The Impact Of Problem Financing On Griya Ib Hasanah Produc: Restrukturisasi Sebagai Upaya Mengurangi Dampak Pembiayaan Bermasalah Pada Produk Griya Ib Hasanah Liaanjani, Devi; Sutikno, Sutikno
Jurnal Keuangan dan Perbankan (KEBAN) Vol. 1 No. 1 (2021): Juli-Desember
Publisher : Universitas Serang Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30656/jkk.v1i1.3969

Abstract

Impact of non-performing financing on the iB Hasanah home product at BSI KC Cilegon, How is the process of implementing restructuring on Griya iB Hasanah products at BSI KC Cilegon.Purpose : to determine the impact of non-performing financing and restructuring on Griya iB Hasanah products at BSI KC Cilegon.Methodology : This research was conducted using a qualitative descriptive method with the theory of problematic financing restructuring. As for the population, the Indonesian sharia bank KC. Cilegon as many as 2 informants, namely the collection assistant division and the Remedial Recovery Assistant. This research was conducted at Bank Syariah Indonesia KC. Cilegon in April to June. Data were collected through interviews and analyzed by data reduction.Results/Findings : Financing is a bank activity to channel funds to the public. The distribution of funds in the form of financing must be based on the trust given by the bank to customers who want to do financing. Banks must have confidence in customers that the funds provided will run properly and can be paid off, because the risk of financing is a big risk that results in problematic or bad financing. The impact of non-performing financing will disrupt bank operations and liquidity, the increasing NPF will greatly affect the bank and customer confidence in the bank will decrease, the lack of bank ability to expand financing will have a negative impact on the economy.To overcome the problem financing, the bank has a strategy in solving problem financing, namely by way of billing by telephone, giving warning letters or warnings, restructuring, namely Rescheduling, Reconditioning, Restructuring).Paper type : data reductio
Risk Management in Gaining Profitability of Banking Companies Saputera, Denny
Jurnal Keuangan dan Perbankan (KEBAN) Vol. 1 No. 1 (2021): Juli-Desember
Publisher : Universitas Serang Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30656/jkk.v1i1.3998

Abstract

Profitability is a bank's ability to earn a profit during a certain period. The amount of profitability of a company tends to be influenced by various kinds of risks. The risks that occur will cause losses to the bank if it is not detected and not managed properly. The purpose of this study is to determine the effect of credit risk, operational risk, and liquidity risk on the profitability of rural banks in the city for the 2019 period. The number of samples taken is 10 rural banks, through purposive sampling technique. The data collection method used is the non-participant observation method with multiple linear regression data analysis techniques. Based on the results of the analysis, it was found that credit risk had no significant positive effect on profitability. Operational risk has a significant negative effect on profitability. Liquidity risk has a significant positive effect on profitability
Management of Risk Management on Banking Financial Performance Rahma Dewi, Wulan
Jurnal Keuangan dan Perbankan (KEBAN) Vol. 1 No. 1 (2021): Juli-Desember
Publisher : Universitas Serang Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30656/jkk.v1i1.3999

Abstract

Risk management is very important for companies. The purpose of this study is to examine and analyze the impact of credit risk, market risk, operating efficiency, capital, and liquidity on bank financial performance. This research uses a quantitative research design. The data used in this study is based on private banks listed on the Indonesia Stock Exchange (IDX) for the next three years. The type of data is secondary data. Technical analysis using multiple linear regression. The results show that market risk and operating efficiency have a significant effect on the financial performance of the bank. Meanwhile, credit risk, capital, and liquidity have no significant effect on the bank's financial performance

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