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sutikno
Contact Email
sutikno@unsera.ac.id
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+6281286259610
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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
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INDONESIA
Jurnal Keuangan dan Perbankan(KEBAN)
ISSN : -     EISSN : 28086430     DOI : https://doi.org/10.30656/jkk.v1i2
Core Subject : Economy,
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,
Articles 52 Documents
Trend Comparison Of Bank Sustainable Financial Statements Based On Assessment Of Economic Aspects, Environmental Aspects, And Social Aspects Sutikno, Sutikno; Oktaviano, Egy Tri; Faroji, Fajar
Jurnal Keuangan dan Perbankan (KEBAN) Vol. 2 No. 2 (2023): Januari-Juni
Publisher : Universitas Serang Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30656/jkk.v2i2.6945

Abstract

The acceleration of unbalanced economic development has an impact on environmental damage and social inequality. This article aims to find out how the trend of comparing sustainable financial statements in banks is based on assessments from economic aspects, environmental aspects, and social aspects. This sustainable financial report is the first time it has been applied to financial service institutions that have been determined based on the regulatory policies of the Indonesian Financial Services Authority. descriptive quantitative is used as a method that helps researchers in conducting research with trend analysis of sustainable financial statements comparison in banking from 2020-2021, at the bank that won the Annual Report Award in the Category of Listed Financial Banking. Research results based shows that economic, social, and environmental damage can be overcome with awareness by each bank in providing financing to consumers who care about these three aspects. This sustainable financial report is so that it can be used by the company as a policy improvement on the awareness of the financial services industry to apply from economic, environmental, and social aspects
Global Global Phenomenon of Performance and Profit Growth on Stock Price of LQ-45 Companies in Indonesia During The Covid 19 Pandemic Erwin Harinurdin
Jurnal Keuangan dan Perbankan (KEBAN) Vol. 2 No. 2 (2023): Januari-Juni
Publisher : Universitas Serang Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30656/jkk.v2i2.6951

Abstract

The emergence of the Covid-19 outbreak accelerating human behavior using digitalization as the main instrument. During the Covid-19 pandemic, the virtual world has become much busier than before. Communities switch to using gadgets and computers as the main tools to replace various activities directly. These changes in society have an impact on economic development by accelerating its digital transformation. The pandemic has led to a further acceleration of digital transformation globally. The company seeks to improve its company in order to get the maximum profit from its business activities . Companies that are able to improve their performance can be said that these companies are capable of competing with other companies so that efficiency occurs . The purpose of this study is to determine the effect of Current Ratio, Net Profit Margin, Return On Assets , and Company Age on Profit Growth and the Effect of Profit Growth on Stock Prices on the Indonesia Stock Exchange 2018-2021. This research includes a quantitative type. The population in this study are companies on the LQ45 index listed on the Indonesia Stock Exchange in the 2018-2021 period with a total sample of 34 companies. This study used a purposive sampling method. data analysis using comparative analysis and multiple linear regression analysis . The results showed that simultaneously the current ratio, net profit margin, return on assets, firm age have a positive effect on profit growth . Profit growth no significant effect on stock prices . Variable Net Profit Margin (NPM) and Return On Assets (ROA) have a significant influence on profit growth. While profit growth has no significant effect on profit growth. The results of the comparative analysis show that there is no statistically significant difference between the values of the Current Ratio, Net Profit Margin, Return On Assets, Profit Growth and Stock Prices between Covid and before Covid.
Optimization of Cash Deposit Machine Use at Bank Central Asia Islah, Nurul; Ramadani, Mery
Jurnal Keuangan dan Perbankan (KEBAN) Vol. 2 No. 2 (2023): Januari-Juni
Publisher : Universitas Serang Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30656/jkk.v2i2.6963

Abstract

The purpose of this study is to determine the extent of optimizing the use of CDM at PT. Bank Central Asia Rangkasbitung Branch Office and customer service. The research method used is research conducted using a descriptive approach, meaning that the data collected is not in the form of numerical data, but data derived from interview manuscripts, field notes, personal documents, notes or memos of researchers and other supporting official documents. The purpose of using a qualitative approach is so that researchers can describe the empirical reality behind the phenomena that occur related to the role of PT. Bank Central Asia Rangkasbitung Branch Office in optimizing the use of Cash Deposit Machine (CDM) to improve service to customers. Based on the results of research through interviews with 30 respondents / customers of PT. Bank Central Asia Rangkasbitung Branch Office obtained data that overall respondents often use CDM machines in carrying out transaction activities, both cash deposits and cash withdrawals that mean the use of CDM PT. Bank Central Asia Rangkasbitung Branch Office is optimal and very helpful for customers in transaction activities. In addition, from all respondents obtained data that the services of PT. Bank Central Asia Rangkasbitung Branch Office is quite satisfactory both in terms of customer service and from the facilities provided are quite adequate. This research has a considerable contribution thatService the Cash Deposit Machine (CDM) machine is an alternative choice in conducting transaction activities both cash deposits and cash withdrawals other than through tellers, and as a benchmark for the success of PT. Bank Central Asia Rangkasbitung Branch Office to customers.
The Effect of Market Shere and Bank Characteristics on Profitability Bank Sukirno, Sukirno; Hudin, Muhammad Nurhaula
Jurnal Keuangan dan Perbankan (KEBAN) Vol. 2 No. 2 (2023): Januari-Juni
Publisher : Universitas Serang Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30656/jkk.v2i2.7196

Abstract

Managerial Efficiency Theory of Profit explains that companies that are managed efficiently will earn profits above the average normal profit. This study aims to test this theory through the influence of Loan to Deposit Ratio (LDR), Market Shere and Operational Cost-Operating Income (BOPO) on Return On Assets (ROA) of Conventional Banks in Indonesia which are listed on the Indonesia Stock Exchange for the 2013-2017 period. By using a purposive technique, there were 8 sample companies according to the criteria for research needs and as many as 40 observational data for 5 years of observation. The research method uses a quantitative approach with multiple regression analysis tools. The results of this study prove partially that Market Shere and LDR have a positive effect and BOPO has a negative effect on ROA, while simultaneously Market Shere, LDR and BOPO have a significant effect on ROA
Consumer Behavior Analysis of Islamic Financial and Banking Institutions Hatta, Achmad; Amarul, Amarul; Supriatna, Yuda
Jurnal Keuangan dan Perbankan (KEBAN) Vol. 2 No. 2 (2023): Januari-Juni
Publisher : Universitas Serang Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30656/jkk.v2i2.7278

Abstract

This study aims to determine the problems that exist in consumer behavior in Islamic financial and banking institutions. To find out this, a research was conducted on consumer behavior especially at Islamic Banks. This study uses a qualitative approach using secondary data. The results of the analysis show that there are several consumers behavior problems related with their intention and interest towards Islamic banks namely: religious/beliefs, culture factor and social factors, personal factors, psychology, motivation, perception, learning process, attitudes, ease and speed of processing, location and physical attributes, price, employee service.
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