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Widhi Ariyo Bimo
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moneter@uika-bogor.ac.id
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+6288212632557
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moneter@uika-bogor.ac.id
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Jl. K.H. Sholeh Iskandar km 2 Bogor 16162 Jawa Barat, Indonesia Telp/Fax: 0251-8335335
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INDONESIA
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 151 Documents
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Optimizing Technology Transformation Through Digital Leadership darmayanti, ni luh; Widnyani, Ni Made; Wahyuningsih, Luh Gde Nita Sri; Ahmad, Rahmat; Sulistyo, Aris Budi
Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 1 (2023): APRIL
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v11i1.149

Abstract

The real estate sector's economic resilience, which is essential for the recovery of the economy following the COVID-19 epidemic, is significantly influenced by financing. However, COVID-19's effects mean that financing cannot operate as previously agreed upon within the allotted time, which causes many debtors to go into default and produce bad debts or non-performing financing. Errors in the application of financing procedures might also result in non-performing financing. Problem funding is attempted to be saved by enforcing bank policies that currently exist. The goal of this discussion is to determine how the bank BSI Bank KCP Bogor Pajajaran Bantarjati's procedures, comparative financing conditions during and after COVID-19, and the resolution of problematic financing have shown a positive trend because it has been successful in lowering the number of customers who restructured from 30% to 0%, non-performing financing from 14% to 7%, and current financing from 56% to 93% during post-COVID-19. The number of customers whose financial situations improved and they were able to pay off their loans also contributed to the upward trend. This demonstrates the efficacy of the financing guidelines and practices put in place by Bank BSI KCP Bogor Pajajaran Bantarjati in an effort to keep the bank in good standing following COVID-19.
Implementation of Risk Management BSI Griya Hasanah product at bank "X" Bimo, Widhi Ariyo; Pahira, Siti; Azmia, Nora
Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 1 (2023): APRIL
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v11i1.150

Abstract

Financing is the main activity of Islamic banks in channeling funds to the community. One of the financing products is Home Ownership Loans (KPR). Risk management is a series of procedures and methodologies that can be used to identify, measure, monitor and control risks arising from the bank's business activities. The research method used is a qualitative method with the formulation of descriptive problems to obtain data by means of interviews and literature studies. Results The application of risk management in home ownership financing or Griya Hasanah is in accordance with Bank Indonesia regulations Article 3 of Bank Indonesia Regulation No: 13/23 / PBI / 2011 that the implementation of risk management includes at least (a) active supervision of the board of commissioners, directors, and sharia supervisory board (b) adequacy of policies, procedures, and determination of risk management limits and (c) adequacy of the process of identifying, measuring, monitoring, and controlling risks and risk management information systems (d) a comprehensive internal control system. The benefits for the bank are the progress and health of the bank and the benefits for customers, namely the ease of owning a house and applying for Griya Hasanah product financing.
Business Model Community Based Marketing For Beras Sagu, PERSADIA Community AZMIA, NORA; Evy Pramita Hidariyani; Widhi Ariyo Bimo
Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 1 (2023): APRIL
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v11i1.155

Abstract

Indonesia was ranked 6th among 10 countries with the highest number of people with diabetes mellitus, which amounted to 10.3 millions (International Diabetes Federation, 2017). The causes mostly are diet (eating habits) and lifestyle. The staple food of the Indonesian people is still dominated by rice which comes from the rice plant and has a high glycemic index which contribute to high glucose levels in the body. PUSPIPTEK BPPT (Science and Technology Research Center BPPT) developed Sago Rice® namely rice made from sago starch (Metroxylon spp). Sago Rice® was created with the aim of providing an alternative carbohydrate food to replace rice. The product has clinical trial results with a low glycemic index compared to other types of rice. A special marketing strategy is needed to introduce Sago Rice® to wider community in Indonesia. This article is an elaboration of marketing aspect from a thesis project conducted in 2016 – 2017. The research aimed to initiate a marketing strategy for Sago Rice® product. Qualitative descriptive research method was used to make a community-based marketing strategy through the PERSADIA Community (Indonesian Diabetes Association). The results showed that the community-based marketing strategy was well received by the community members. In addition to providing value-added knowledge of alternative carbohydrate sources, this strategy also improves public health. Thus, a community-based marketing strategy can be used as one of the marketing strategies for Sago Rice® in Indonesia.
Expert System For Diagnosing Pests And Diseases Of Ginger Plants Using Case-Based Reasoning Method RIANA, FREZA; Laxmi, Gibtha; Djiwanti, Setyowati Retno; Harianingrum, Riska Pravita; Fajar Kusumah, Fitrah Satrya
Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 1 (2023): APRIL
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v11i1.156

Abstract

Ginger (Zingiber officinale Rosc.) is a medicinal plant that has many benefits and properties that makes ginger one of the export commodities of Indonesian spices. One of the obstacles in exporting fresh ginger is the low quality of ginger caused by pest and disease attacks. Generally in preventing and controlling the spread of pests and diseases namely consult an expert, but the availability of experts is not always there in every area. Therefore this research builds a website based expert system to diagnose pests and diseases of ginger plants with the Case-Based Reasoning method. This method is a problem-solving that uses knowledge from previous experience to solve new problems. The expert system can diagnose five diseases and two pests with 39 symptoms. Based on the simulation test data as many as 50 done randomly, obtained a percentage value of 96% for expert diagnosis results with a system for the Case-Based Reasoning method. This Expert System can help farmers identify and control pests and diseases that attack the ginger plant.
Efficiency Analysis of Sharia Regional Development Banks in Indonesia Using Two-Stages Data Envelopment Analysis Aliyah, Hikmatul; Maulani, Denia; Marlina, asti
Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 1 (2023): APRIL
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v11i1.172

Abstract

The main objective of this study is to evaluate the efficiency level of Sharia Regional Development Banks between 2014 and 2017 using the Data Envelopment Analysis (DEA) method. The efficiency analysis results indicate that the efficiency level of Sharia Regional Development Banks during the study period from 2014 to 2017 was quite fluctuating. In 2014, five Sharia Regional Development Banks showed inefficiency, namely Bank DIY Syariah, Bank Jateng Syariah, Bank Jatim Syariah, Bank Kalsel Syariah, and Bank NTB Syariah. In 2015, four Sharia Regional Development Banks showed inefficiency, namely Bank Jateng Syariah, Bank Jatim Syariah, Bank Kaltimtara Syariah, and Bank NTB Syariah. In 2016, five Sharia Regional Development Banks showed inefficiency, namely Bank Jateng Syariah, Bank Sulselbar Syariah, Bank Kaltimtara Syariah, Bank NTB Syariah, and Bank Jatim Syariah. However, in 2017, only two Sharia Regional Development Banks showed inefficiency, namely Bank Jatim Syariah and Bank Kaltimtara Syariah.
Analysis Of Post COVID-19 Microfinance AT BANK SYARIAH INDONESIA Kcp Bogor Pajajaran Bantarjati Marlina, Asti; Husna, Siti Asifatul; Hanifan, M. Zakie
Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 1 (2023): APRIL
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v11i1.173

Abstract

The real estate sector's economic resilience, which is essential for the recovery of the economy following the COVID-19 epidemic, is significantly influenced by financing. However, COVID-19's effects mean that financing cannot operate as previously agreed upon within the allotted time, which causes many debtors to go into default and produce bad debts or non-performing financing. Errors in the application of financing procedures might also result in non-performing financing. Problem funding is attempted to be saved by enforcing bank policies that currently exist. The goal of this discussion is to determine how the bank BSI Bank KCP Bogor Pajajaran Bantarjati's procedures, comparative financing conditions during and after COVID-19, and the resolution of problematic financing have shown a positive trend because it has been successful in lowering the number of customers who restructured from 30% to 0%, non-performing financing from 14% to 7%, and current financing from 56% to 93% during post-COVID-19. The number of customers whose financial situations improved and they were able to pay off their loans also contributed to the upward trend. This demonstrates the efficacy of the financing guidelines and practices put in place by Bank BSI KCP Bogor Pajajaran Bantarjati in an effort to keep the bank in good standing following COVID-19.
The Effect of Work-Family Conflict, Work Environment, Work Stress, Job Satisfaction on High and Low Employee Performance at the Faculty of Medicine, Udayana University Purnama Dewi, I Gusti Ayu; Sanica, I Gede
Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 2 (2023): OKTOBER
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v11i2.183

Abstract

In an organization, performance is very important to determine the success of the organization. Performance can be interpreted as work results that can be achieved by an employee or a group of employees in order to achieve organizational goals. Therefore, it is necessary to conduct research on the factors that influence employee performance, so that steps can be taken to improve their performance. Factors that affect employee performance are work family conflict, work environment, job stress, and job satisfaction. This study aims to analyze the factors that affect employee performance, namely work-family conflict, work environment, job stress, and job satisfaction. The method used in this study is a quantitative method. The sample used was 131 respondents. The data collection tool uses a questionnaire distributed through the Google form. The method used is the analysis of alternative structural equation models (SEM) with the PLS method using the SmartPLS 3.0 program. The results showed that there was a positive influence between work environment variables and job satisfaction on employee performance p<0.05. Meanwhile, the work family conflict and work stress variables have a negative effect on employee performance with p <0.05. Implication: the results of this study are expected to be able to contribute to organizations or companies in improving employee performance The results showed that there was a positive influence between work environment variables and job satisfaction on employee performance p<0.05. Meanwhile, the work family conflict and work stress variables have a negative effect on employee performance with p <0.05. Implication: the results of this study are expected to be able to contribute to organizations or companies in improving employee performance The results showed that there was a positive influence between work environment variables and job satisfaction on employee performance p<0.05. Meanwhile, the work family conflict and work stress variables have a negative effect on employee performance with p <0.05. Implication: the results of this study are expected to be able to contribute to organizations or companies in improving employee performance
Financial Performance On Banking Share Price Handayani, Asih; Winingrum W.A, Sri Putri
Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 2 (2023): OKTOBER
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v11i2.116

Abstract

This study aims to identify the impact of financial performance on stock prices, especially in banking companies listed on the Indonesia Stock Exchange. Financial performance proxied by TATO, ROA and DER is tested using the classic assumption test to determine the effect on stock prices either partially or simultaneously. The research method used was descriptive quantitative and data testing was carried out using panel data regression with the equation Y = -12709.89X3 – 2100.702X3 – 4.710816X3. The test results have proven that both partially and simultaneously the independent variables have an influence but are very weak on the dependent variable.
The Effect of Perceptions of Technology, Risk and Handling Complaints on Customer Interest in Using Internet Banking At Bank Syari'ah Indonesia (BSI) KC Kisaran Khoiriaturrahmah, Miftah; Anggraini, Tuti; Jannah, Nurul
Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 2 (2023): OKTOBER
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v11i2.217

Abstract

Bank Syari'ah Indonesia (BSI) is one of the companies that also utilizes information technology through digital services. Only not all digital services have many users, such as internet banking which is less than M-banking users. This study aims to determine the effect of perceived technology, risk and complaint handling on customer interest in using Internet banking at Bank Syariah Indonesia (BSI) Kisaran Branch Office. This research is a type of descriptive quantitative research. The population in this study were BSI customers at the Kisaran Branch Office. While the sample was obtained as many as 100 customers. Data collection techniques using questionnaires and documentation. The data analysis technique uses multiple regression analysis where before conducting multiple regression tests, classical assumption testing is carried out. The results of this study are Technology Perceptions, affecting customer interest in using Internet Banking at Bank Syariah Indonesia (BSI) Branch Office in Kisaran. Risk, affects customer interest in using Internet Banking at Bank Syari'ah Indonesia (BSI) Kisaran Branch Office. Handling Complaints, affects customer interest in using Internet Banking at Bank Syari'ah Indonesia (BSI),isaran Branch Office. The suggestion of this research is that it is hoped that the BSI Kisaran Branch Office will conduct broader socialization and promotion to further introduce the presence of Internet Bangking to potential customers. Keywords: Technologi Perception, Risk, Complaint Handling, Customer Interest
Islamic Banks after the 2008 Crisis: Symptoms of the Second Round Crisis and Performance of Sharia Commercial Banks during the Period 2012-2017 Enayatullah, Imam Haroki; Amalia, Euis; Rini, Rini
Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 2 (2023): OKTOBER
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v11i2.297

Abstract

The Islamic banking system has long been believed to possess resilience in the face of crises, some even asserting its resistance to such challenges. To validate the aforementioned notion, an analysis of the efficiency performance of Sharia banking is conducted after the occurrence of what is referred to as the Second Round Crisis. This is undertaken due to the discovery that the impact of a crisis might not necessarily be felt during its onset, but rather after its passing. The research case study is Sharia Commercial Banks in Indonesia during the period 2012-2017. The research employs a parametric approach, namely the Stochastic Frontier Analysis Panel (SFA)  Greene's approach (2005) to examine the data. The research found that all examined samples experienced a decrease in efficiency in the year 2014. The data also reveal an increase in Non-Performing Financing (NPF) and a decrease in Return on Assets (ROA) during the same period. These findings reveal the presence of a second-round crisis phenomenon affecting the Sharia Commercial Banks in this year. Following this period, there was a gradual improvement in both efficiency and other ratios. In conclusion, it can be inferred that Sharia banks, particularly in Indonesia, are not resistant to crises.

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