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Ladi Wajuba Perdini Fisabilillah
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INDONESIA
Journal of Economics
Published by Universitas Negeri Surabaya
ISSN : -     EISSN : 27985008     DOI : http://doi.org/10.26740/independent
Core Subject : Economy,
Economics, Econometrics & Finance
The scope of Independent: Journal of Economics are strictly but not limited to: Economics Development Economics Monetary Economics Public Economics Institutional Economics
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 210 Documents
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DETERMINAN FAKTOR YANG MEMPENGARUHI PROFITABILITAS BANK DIGITAL YANG TERDAFTAR DI BEI Putra, Moh. Rizqy Eka; Pasaribu, Gymnastiar Eka Aurillina; Fisabilillah, Ladi Wajuba Perdini; Ma'ruf, Aminudin
Jurnal Ekonomika : INDEPENDEN Vol 5 No 1 (2025): April 2025
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/independent.v5i1.65203

Abstract

This research aims to analyze the determinants of factors that influence the profitability of digital banks listed on the Indonesia Stock Exchange (BEI) during the 2018–2023 period. The independent variables tested include Non-Performing Loans (NPL), Capital Adequacy Ratio (CAR), and Operational Costs to Operating Income (BOPO), with Return on Assets (ROA) as the dependent variable. The method used is quantitative with panel data regression using Eviews 10 software. The research sample consists of six digital banks that meet the criteria, with a total of 30 observations. The research results show that NPL has a positive but not significant effect on ROA, CAR has a positive and significant effect on ROA, while BOPO has a significant negative effect on ROA. These findings indicate that operational efficiency and capital adequacy are key factors in increasing digital bank profitability. Therefore, digital banks need to improve operational efficiency and maintain a strong capital position to maintain optimal financial performance.
Analisis Manajemen Risiko Perbankan Pada Bank Umum Di Indonesia Periode 2019-2023 Putra, Moh. Rizqy Eka; Pasaribu, Gymnastiar Eka Aurillina; Fisabilillah, Ladi Wajuba Perdini; Aji, Tony Seno
Jurnal Ekonomika : INDEPENDEN Vol 5 No 1 (2025): April 2025
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/independent.v5i1.65204

Abstract

This research analyzes the impact of NPL (Non-Performing Loans), LDR (Loans to Deposits Ratio), and BOPO (Operating Expenses to Operating Income) on ROA (Return on Assets) in commercial banks in Indonesia during 2019-2023. Using secondary data from financial reports of banks registered on the IDX, multiple regression analysis was carried out using Eviews 12. Purposive sampling technique was used to select six banks that met the criteria, so that the total sample consisted of 30 banks. The research results show that NPLs have a significant negative impact on ROA, reducing bank profitability. LDR and BOPO do not significantly affect ROA, indicating that credit effectiveness and operational efficiency do not directly affect profitability. CAR is also not significant to ROA, possibly due to the absence of profitable capital utilization. Overall, credit risk management and asset quality influence profitability more than operational efficiency and use of funds
Pengaruh Rasio Keuangan Bank Terhadap Profitabilitas Bank Umum Non-Devisa I Made Hegar Danendra Nararya; Daffa Sukma Falih; Farhan Taufiqurrahman; Ladi Wajuba Perdini Fisabilillah; Tony Seno Aji
Jurnal Ekonomika : INDEPENDEN Vol 5 No 1 (2025): April 2025
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/independent.v5i1.66062

Abstract

Profitability is one of the most appropriate indicators to measure the financial performance of a bank. This study aims to analyze the effect of bank financial ratios on profitability in non-foreign exchange commercial banks for the 2019-2023 period. The sample of this research is 4 (four) non-foreign exchange commercial banks in Indonesia, with the data analysis method used, namely the panel data regression model with the Fixed Effect Model (FEM) approach. The results showed that the financial ratio NIM has a significant influence and has a positive direction on bank ROA. BOPO financial ratio has a significant influence and has a negative direction on bank ROA. CAR financial ratio has an insignificant influence and has a positive direction on bank ROA.
Dampak Indeks Ketidakpastian Kebijakan Moneter dan Nilai Tukar Terhadap IHSG Indonesia I Made Hegar Danendra Nararya; Daffa Sukma Falih; Farhan Taufiqurrahman; Ladi Wajuba Perdini Fisabilillah; Dita Dismalasari Dewi
Jurnal Ekonomika : INDEPENDEN Vol 5 No 1 (2025): April 2025
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/independent.v5i1.66064

Abstract

This study aims to analyze the impact of the Monetary Policy Uncertainty (MPU) index and exchange rates on the Jakarta Composite Index (IHSG) in Indonesia from January 2018 to December 2023. The method used is the Vector Error Correction Model (VECM), with data sourced from the Federal Reserve Economic Data (FRED). The analysis results show that both exchange rates and the MPU index have a significant negative relationship with the IHSG, where depreciation of the exchange rate and high MPU will weaken the IHSG in the long term. Additionally, the response of the IHSG to shocks in exchange rates and MPU indicates a positive direction, suggesting that the Indonesian stock market shows resilience to these shocks. This research is expected to provide new insights for policymakers in formulating strategies to address the impacts of economic uncertainty.
ANALISIS EFISIENSI PENERAPAN MANAJEMEN RISIKO TERHADAP KINERJA KEUANGAN PT BANK NEGARA INDONESIA Nugroho, Muchammad Rio; Haq, Muhammad Hadyul; Hakim, Yusril Rahman; Ladi Wajuba Perdini Fisabilillah; Tony Seno Aji
Jurnal Ekonomika : INDEPENDEN Vol 5 No 1 (2025): April 2025
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/independent.v5i1.66076

Abstract

This study aims to analyze the efficiency of risk management implementation on the financial performance of PT Bank Negara Indonesia (Persero) Tbk (BNI) using the Data Envelopment Analysis (DEA) method. The input variables used are Non-Performing Loan (NPL), Loan to Deposit Ratio (LDR), and Operating Expenses to Operating Income (BOPO), while the output variables include Return on Assets (ROA) and Return on Equity (ROE). The research findings indicate that perfect technical efficiency (VRSTE = 1.000) was achieved every year during the study period (2019–2023), while full efficiency (CRSTE = 1.000) was only achieved in 2019, 2022, and 2023. In 2020 and 2021, scale efficiency was low, with an average CRSTE over five years of 0.776, indicating that BNI has not fully achieved optimal efficiency in its risk management. The study concludes by emphasizing the need to improve scale efficiency, particularly in certain years, to achieve more optimal financial performance.
PENGARUH BITCOIN DAN EMAS TERHADAP HARGA SAHAM PERBANKAN YANG TERDAFTAR DI BEI Yusril Rahman Hakim; Muchammad Rio Nugroho; Muhammad Hadyul Haq; Ladi Wajuba Perdini Fisabilillah; Tony Seno Aji
Jurnal Ekonomika : INDEPENDEN Vol 5 No 1 (2025): April 2025
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/independent.v5i1.66077

Abstract

The banking sector plays a crucial role in Indonesia's economy, making it essential to investigate factors influencing banking stock prices. This study aims to analyze the impact of Bitcoin prices, gold prices, and BI Rate on banking stock prices listed on the Indonesia Stock Exchange from January 2022 to November 2024. The research employs a quantitative approach using panel data regression with a Random Effect Model (REM). The data used are secondary data sourced from Investing.com. The results indicate that Bitcoin prices and BI Rate have a positive and significant impact on banking stock prices, while gold prices show no significant effect. This implies that Bitcoin, as an alternative digital asset, increasingly affects financial market dynamics, whereas gold is more of a safe-haven asset with no direct correlation to banking stocks. The rising BI Rate reflects the positive performance of banking firms, thereby attracting investors' interest. This study provides insights into the roles of alternative investment instruments and monetary policy in shaping the dynamics of banking stock markets.
Pengaruh Keterbukaan Perdagangan dan Penanaman Modal Asing terhadap Pertumbuhan Ekonomi Anggota G20 Lelya Dwi Damayanti; Hendry Cahyono
Jurnal Ekonomika : INDEPENDEN Vol 5 No 1 (2025): April 2025
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/independent.v5i1.66087

Abstract

The purpose of this study is to analyze the impact of trade openness and foreign direct investment (FDI) on the economic growth of G20 member countries from 1999 to 2023. Additionally, technological advancement is also considered as a supporting variable in this analysis. The method used is a quantitative approach utilizing secondary data obtained from the World Bank. Based on the analysis, trade openness has a significant negative effect on economic growth. Meanwhile, foreign direct investment and technological advancement show a significant positive impact on economic growth. It can be concluded that economic openness can have varying effects on economic growth depending on the specific conditions of each country.
ANALISIS HUBUNGAN KETIDAKPASTIAN KEBIJAKAN MONETER THE FED TERHADAP PDB DEFLATOR INDONESIA : (ANALISIS HUBUNGAN KETIDAKPASTIAN KEBIJAKAN MONETER THE FED TERHADAP PDB DEFLATOR INDONESIA) Sukma Falih, Daffa; Seno Aji, Tony
Jurnal Ekonomika : INDEPENDEN Vol 5 No 1 (2025): April 2025
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/independent.v5i1.66092

Abstract

This research aims to determine the Fed’s monetary policy relationship as measured using the Monetary Policy Uncertainty (MPU) index, Consumer Price Index, Commodity Exports, and Exchange Rates on GDP on its Causality to Indonesia’s GDP Deflator. This research uses a quantitative approach with quarterly time series data from 2000 to 2023. The data is secondary from the Federal Reserve Economic Data (FRED). In addition, Granger Causality analysis was used to analyze the causality between variables. The results show that there is no bidirectional causality between variables. However, there is only unidirectional causality especially the MPU Index to the GDP Deflator and Export Commodity to the GDP Deflator.
Pengaruh Profitabilitas dan Biaya Operasional Terhadap PPh Badan Industri Makanan dan Minuman Setianingrum, Helvy Fatima; Hanifa, Nurul
Jurnal Ekonomika : INDEPENDEN Vol 5 No 1 (2025): April 2025
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/independent.v5i1.66573

Abstract

This study aims to analyze the impact of profitability and operating expenses on corporate income tax in the food and beverage industry listed on the Indonesia Stock Exchange from 2019 to 2023. The researcher employs a quantitative approach using panel data regression analysis. The study utilizes secondary data, specifically panel data derived from financial reports of relevant companies available on the IDX website. The findings indicate a significant positive effect of the Net Profit Margin (NPM) ratio, representing profitability, on corporate income tax. Similarly, operating expenses also exhibit a significant positive impact on corporate income tax. Overall, both NPM as a profitability ratio and operating expenses collectively have a significant influence on corporate income tax.
Pengaruh Retribusi Daerah dan Belanja Modal Terhadap Pertumbuhan Ekonomi di Daerah Istimewa Yogyakarta Solekha, Sheptia Dwi Imroatus; Hanifa, Nurul
Jurnal Ekonomika : INDEPENDEN Vol 5 No 1 (2025): April 2025
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/independent.v5i1.66574

Abstract

A region's economic development can be seen from its economic growth. This study aims to look at the effect of regional retrubution and capital expenditure on the economic growth of the Special Region of Yogyakarta vulnerable in 2013-2023. The economic growth in question uses gross regional domestic product at constant prices as an indicator. The study is quantitative, using panel data regression. Utilising data from each district and city sourced from the official website of the Ministry of Finance and the Central Bureau of Statistics as secondary research data processed using Eviews 12. The findings in this study obtained the best regression model with the Fixed Effect Model (FEM). The results found that local retribution on economic growth has no significant effect, capital expenditure on economic growth has a positive effect and is also significant. Simultaneously, each variable affects economic growth.

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