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Widhi Ariyo Bimo
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Moneter : Jurnal Keuangan dan Perbankan
Published by Universitas Ibn Khaldun Bogor
ISSN : 23022213     EISSN : 26155141     DOI : 10.32832/moneter
Core Subject : Economy, Science,
Computer Science & IT Economics, Econometrics & Finance
Moneter: Jurnal Keuangan dan Perbankan mempunyai fokus dalam kajian keuangan dan perbankan , dengan scope sebagai berikut: Dasar-dasar keuangan dan perbankan syariah dan konvensional Bisnis Teknologi Informasi
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 28 Documents
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Search results for , issue "Vol. 13 No. 2 (2025): JULI" : 28 Documents clear
Optimization Of Fixed Assets Through State Property Management (Study At The Indonesian Center For Agricultural Biotechnology And Genetic Resources Instrument Standard Testing) Lutfi, Lutfi Padhil; Indupurnahayu, Indupurnahayu; Aminda, Renea Shinta
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v13i2.1512

Abstract

This study aims to analyze:1) Implementation of fixed asset utilization, 2) Implementation of accuracy and precision of fixed asset inventory, 3) Strategy of fixed asset security and maintenance procedures, 4) Implementation of fixed asset administration applied to the optimization of fixed assets through state property goods administration. The method used is descriptive case study with a qualitative approach. The results of the study show: 1) The management and utilization of state property assets at BBPSI Biogen have shown progress but are not yet fully optimized. Challenges include incomplete asset mapping and limited third-party collaboration. However, the Use Status Determination and rental-based asset utilization have been carried out in compliance with regulations, contributing to increasing Non-Tax State Revenue. Supervision and control are conducted regularly, supporting efficient management. 2)Inventory activities are well-organized, with no abandoned assets, proper labeling (codification), and clear records—though inventory updates for machinery are hampered by limited human resources. 3)The security and maintenance strategies for state property are fairly optimal, incorporating administrative, physical, and legal safeguards. Maintenance is carried out in a scheduled and documented manner, preventing loss and damage. 4)Overall, the administration of assets has been systematic, transparent, and aligned with Government Accounting Standards, positively impacting the optimization of fixed asset management.
Good Corporate Governance’s Role in Green Strategy, Innovation, and Carbon Disclosure Acynthia Ayu Wilasittha; Evinda Dwi Nur Aini
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

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Abstract

This research incorporating Good Corporate Governance (GCG) to investigates the connection between green strategy and green innovation in relation to carbon emission disclosure. The study adopts a quantitative methodology, utilising secondary data sourced from companies' sustainability reports and annual reports. Consumer non-cyclical companies listed on the IDX from 2021 to 2023 are the population. The samples are 44 companies were observed over a three-year period, utilising purposive sampling with defined criteria. The findings reveal that both green strategy and green innovation significantly influence carbon emission disclosure, indicating that companies effectively implementing the green strategy and green innovation practices tend to optimize their emission disclosures to enhance their reputation among stakeholders. Green strategy impacts on carbon emission disclosure is not moderated by GCG; however, GCG significantly moderates the correlation between disclosure and green innovation. This shows that certain consumer non-cyclical companies have not fully adopted GCG, thereby constraining the effectiveness of green strategies aimed at enhancing emission disclosure. Optimizing GCG implementation is therefore essential to reinforce both green strategy and green innovation, enabling companies to become more environmentally responsible and reduce operational carbon emissions, ultimately advancing corporate sustainability.
Political Connections and Abnormal Returns: An Event Study of the 2024 Presidential Election Putri Nirmala Anjas Sari; Nurazi, Ridwan
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v13i2.1651

Abstract

There is a strong correlation between a country's economic condition and its political condition. As it undergoes a presidential transition process, Indonesia's political and economic uncertainty in 2024 is expected to intensify. This study investigates how the stock market reacted to the 2024 Presidential Election and analyzes the impact of political connections during this period. The event study methodology is utilized to analyze stocks within the LQ45 stock index. The observation period for assessing the stock market response extends over 11 days, encompassing the event day as well as the five days before and after. To determine the influence of political connections, the cumulative abnormal return (CAR) and the average abnormal return (AAR) will be regressed onto variables that indicate political connections. The findings of this study suggest a positive and significant CAR during the election period, indicating that the Indonesian stock market responds positively to the election. Furthermore, AAR exhibits no significant difference before or after the election, suggesting that stock volatility tends to stabilize around the event period. The influence of political connections on the CAR and AAR of companies during the timeframe surrounding the election is not statistically significant, implying that other factors play a larger role in market movements during this period.
Influence of Café Atmosphere, Lifestyle, and Brand Image on Purchasing Decisions Forever, Febiwenesya; Yutika, Fitri
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

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Abstract

The phenomenon of the rapid proliferation of cafés today reflects that spending time at cafés has become a part of Generation Z’s lifestyle. Consequently, coffee shops are no longer just selling coffee products but are also offering an atmosphere or ambiance as part of the overall customer experience. This study examines and analyzes the influence of store atmosphere in cafés, lifestyle, and brand image on purchasing decisions through the mediating role of service quality among coffee shop visitors. The research employs a quantitative approach, with data collected through an online questionnaire distributed via Google Forms. The population of this study consists of Generation Z individuals aged 17 to 28 years who have previously dined in at a coffee shop. The sampling technique used is purposive sampling, resulting in a total of 110 respondents. Data analysis was conducted using the partial least squares structural equation modeling (PLS-SEM) approach with the assistance of SmartPLS 3.0. The results of this study indicate that store atmosphere in cafés has a positive and significant influence on service quality. This implies that the more comfortable the atmosphere of a café, the better the perceived quality of service. However, store atmosphere in cafés does not have a significant influence on purchasing decisions. Furthermore, service quality, as a mediating variable, does not have a significant effect on purchasing decisions. Therefore, it is recommended that future research consider additional or alternative mediating variables that were not examined in this study or focus more narrowly on a specific coffee shop that adheres to consistent service standards.
Factors That Influence Msme Decisions In Medan In Choosing Financing Sources For Business Capital Rohima, Rohima; Bi Rahmani, Nur Ahmadi; Syahbudi, Muhammad
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

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Abstract

The objective of this research is to examine the determinants that affect decision-making processes among MSMEs in choosing a source of financing, both from formal institutions such as banks and non-formal institutions such as cooperatives and individual loans. The result is based on the research conducted, MSMEs’ decisions in selecting sources of business capital financing are more influenced by factors such as ease of access, speed of disbursement, and low administrative requirements than by rational considerations regarding profit margins. Although non-bank financial institutions such as cooperatives, fintech lending, and community loans offer higher profit margins, MSMEs still tend to choose them due to the simpler and less bureaucratic application process. This indicates that MSMEs’ decisions are pragmatic, prioritizing immediate benefits in business operations over long-term cost efficiency. This finding aligns with decision theory and pecking order theory, where business actors choose the most accessible financing option first, even though it carries greater risk.
Motivation as a MediatingVariable in the Relationship Between Organizational Culture, Job Satisfaction, and Employee Performance at PT Musam Utjing Hutabarat, Cindy Claudia; Suhairi, Suhairi; Jannah, Nurul
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

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Abstract

The plantation industry, such as palm oil, is characterized by demanding, field-based work that demands high levels of physical endurance and discipline. Therefore, work motivation is key to maintaining employee enthusiasm, perseverance, and loyalty to the company. This study applies a quantitative method. According to Sugiyono (2022), the quantitative method is rooted in the positivist paradigm, emphasizing objective measurement and statistical analysis to test hypotheses, which is applied to research specific samples or populations. The result is organizational Culture (X1) significantly influences both Work Motivation (Z) and Job Satisfaction (X2), as evidenced by a very small p-value (0.000). This indicates that a strong organizational culture can increase employee motivation and job satisfaction. On the other hand, Work Motivation (Z) also has a considerable effect on Employee Performance (Y), with a p-value of 0.001. This finding reinforces that high work motivation is closely related to improved company performance. However, the direct relationship between Organizational Culture (X1) and Company Performance (Y) does not show any statistical significance (p-value 0.051), meaning that the impact of organizational culture on performance is indirect and influenced by other variables. Furthermore, Job Satisfaction (X2) does not have a statistically significant effect on Work Motivation(Z) or Company Performance (Y), with a p-value greater than the significance level of 0.05, which implies that in this particular model, job satisfaction does not play a direct role in motivation or performance.
Analysis Of Business Development Strategy In Improving The Welfare Of Grape Cultivationers From An Islamic Economic Review (Case Study At Jagad Farm Binjai) Nursafira, Adela; Arif, Muhammad; Syahriza, Rahmi
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

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Abstract

Particularly in the development of grape cultivation businesses that consider Islamic economic values. However, an Islamic economic approach is highly relevant for application in agribusiness, as it emphasizes justice, blessings, sustainability, and welfare. This research uses a qualitative approach and uses a case study. The aim is to analyze the grape cultivation business development strategy at Jagat Farm Binjai and assess its alignment with Islamic economic principles. Primary data was obtained through interviews with business owners and other relevant parties, while secondary data was collected from literature, including books, journals, and theses from previous researchers related to grape cultivation and Islamic economics.Based on the various aspects discussed, it can be concluded that the development of a grape cultivation business at Jagad Farm Binjai has significant potential to improve the welfare of farmers and support the local economy. The implemented strategy integrates Islamic economic principles and optimizes strengths such as product quality and processing innovation, while addressing weaknesses such as a lack of technology and trained human resources. Government support and the use of digital platforms also play a crucial role in expanding the market and increasing the competitiveness of this business. By considering internal and external factors, as well as the principles of sustainability and social justice, the development of grape cultivation in Binjai is expected to become a sustainable business model, providing equitable economic and social benefits, and strengthening Indonesia’s position in the future grape agribusiness industry.
Exploring The Mudharabah Contract And Its Implementation In Islamic Financial Institutions: A Content Analysis Study In The Digital Entrepreneur Era Syakur, Abd.; Chandrarin, Grahita; Wikantiyoso, Respati; Sunardi, Sunardi
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

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Abstract

The application of mudharabah contract accounting practices has complied with accounting principles in Indonesian Islamic banking, as outlined in Financial Accounting Standards Statement (PSAK) No. 105, issued by the Indonesian Institute of Accountants, which addresses measurement and recognition, presentation, and disclosure. Myriad studies have examined the current development of Islamic accounting discourse; however, theoretical discussions have been somewhat overlooked. To fill this lacuna, the current study explicitly explores Islamic accounting practices for mudharabah contracts in Islamic banking financing. The study aims to uncover Islamic accounting practices for mudharabah contracts in Islamic banking and to determine whether the implementation of these practices in financing aligns with the Statement of Financial Accounting Standards (PSAK) Number 105 and the Fatwa of the National Sharia Council. The current study employed a content analysis study under the umbrella of descriptive qualitative analysis to describe the practice of implementing Sharia accounting for mudharabah contracts in Islamic financing and financial institutions, based on compliance with PSAK No. 105. Furthermore, the study untangled that Islamic banking is considered a solution to conventional banking (which relies on interest). Although mudharabah is more commonly known in Islamic banking, it can also be applied in practice to other Islamic financial institutions, such as Islamic insurance, Islamic capital markets, Islamic mutual funds, and Islamic bonds.
Digital Transformation and Innovative Business Models for Attaining Sustainable Competitive Advantage : Systematic Literature Review Syakur, Abd.; Zuhroh, Diana; Harmono, Harmono; Bella Ayu, Roro
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

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Abstract

This systematic literature review explores the convergence of digital transformation and innovative business models in achieving a sustainable competitive advantage. As organizations increasingly adopt digital technologies such as artificial intelligence (AI), cloud computing, and the Internet of Things (IoT), they are transforming their operations and enhancing customer experiences. Simultaneously, there is a growing emphasis on integrating sustainability into business strategies, with a focus on economic, environmental, and social sustainability. This review highlights the critical role of business model innovation in leveraging digital tools to create value while addressing the environmental and social impacts of business activities. The findings underscore the importance of combining digital transformation with sustainable practices to drive long-term growth, improve operational efficiency, and meet evolving regulatory and consumer expectations. Ultimately, businesses that successfully integrate these two forces are better positioned to thrive in an increasingly competitive and eco-conscious market.
The Mediating Role Of Customer Satisfaction In The Effect Of Online Customer Experience On Repurchase Intention: A Study On Tiktok Shop Users Nirwana, Devi; Suhairi, Suhairi; Aslami, Nuri
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

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Abstract

This study aims to investigate the relationship between Online Customer Experience (OCE) and TikTok Shop users' Customer Satisfaction (CS) and Repurchase Intention (RI), with CS serving as a mediating variable. As social media-based e-commerce has gained popularity, especially among Indonesia's youth, TikTok Shop has emerged as a prominent online marketplace. As part of a quantitative approach, a survey was completed by 100 respondents who had made purchases on TikTok Shop over the last six months. The data was examined using multiple linear regression and mediation tests using SPSS 26. The results show that OCE has a positive and substantial impact on CS. RI is also significantly impacted by CS. However, when CS is included as a mediating variable, the direct effect of OCE on RI is minimal, indicating that CS fully mediates the relationship between customer experience and repurchase intention. These findings highlight how important it is to offer a comprehensive and satisfying user experience in order to foster customer loyalty on digital platforms. This research recommends that TikTok Shop businesses focus their strategy on enhancing customer happiness and experience quality in order to retain consumers, given the growing competition in the e-commerce industry.

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