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Adpertens ; Jurnal Ekonomi dan Manjemen
Published by Yayasan Baitul Hikmah al-Zain
ISSN : 30482305     EISSN : 3047373X     DOI : -
Core Subject : Religion, Economy, Humanities, Science,
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
Adpertens; Jurnal Ekonomi dan Manjemen, E-ISSN: 3047-373X,Print ISSN : 3048-2305 merupakan jurnal ilmiah yang diterbitkan oleh Yayasan Baitul Hikmah al-Zain Tapanuli Selatan bekerjasama dengan APJI (Asosiasi Pengelola Jurnal Indonesia). Jurnal ini terbit tiga kali setahun pada bulan Februari, Juni, dan Oktober, dan memuat hasil penelitian dosen, mahasiswa, peneliti, dan praktisi di bidang manajemen, akuntansi, dan ekonomi. Adpertens; Jurnal Ekonomi dan Manjemen hanya menerima artikel yang memenuhi format sesuai template. Artikel ditulis dalam Bahasa Indonesia ataupun Bahasa inggris. Selanjutnya artikel direview melalui teman sejawat double-Blind. Adpertens menerbitkan artikel dibawah bawah Lisensi Internasional Creative Commons Attribution ShareAlike 4.0.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 42 Documents
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KEGAGALAN GOOD CORPORATE GOVERNANCE DALAM PERSPEKTIF TEORI KEAGENAN DAN ETIKA BISNIS PADA PT ASURANSI JIWASRAYA Cintya Putri Nasution; Suaini Mebia Putri; Dia Aulia Harahap; Rian Afrijal
Adpertens: Jurnal Ekonomi dan Manajemen Vol. 3 No. 1 (2026): Februari
Publisher : Yayasan Baitul Hikmah al-Zain

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63424/adpertens.v3i1.638

Abstract

This study aims to analyze the failure of Good Corporate Governance (GCG) implementation from the perspective of agency theory and business ethics at PT Asuransi Jiwasraya. This study uses a qualitative approach with a conceptual analysis method based on secondary data obtained from scientific journals, official reports, and relevant economic publications. The analysis results indicate that governance failure at PT Asuransi Jiwasraya is influenced by conflicts of interest between management and stakeholders, information asymmetry, moral hazard, and weak internal controls. Furthermore, the practice of non-transparent information presentation and imprudent investment decisions indicate that ethical business values ​​have not been optimally internalized in the company's decision-making process. These findings confirm that the application of the principles of transparency, accountability, responsibility, independence, and fairness has not been implemented substantively but rather tends to be formalistic. This failure not only impacts financial losses but also undermines public trust in the insurance industry. Therefore, this study demonstrates that successful GCG requires the integration of structural compliance, effective oversight, and the internalization of business ethics as the foundation of company operations.
SIMULASI STRATEGI INVESTASI BANK DAN NON-BANK DALAM MITIGASI RISIKO KEUANGAN DIGITAL Nayla Ahlami Dalimunthe; Tiara Marsya Aulya; Tri Ayu Fadilah; Wanda Syakinah
Adpertens: Jurnal Ekonomi dan Manajemen Vol. 3 No. 1 (2026): Februari
Publisher : Yayasan Baitul Hikmah al-Zain

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63424/adpertens.v3i1.639

Abstract

This study aims to analyze the characteristics of investment instruments in banking and non-banking financial institutions, simulate portfolio investment strategies, and identify financial risk mitigation efforts in the era of digitalization. The development of financial technology has increased public access to various investment instruments, but it is also accompanied by increasing financial risks that require proper management. This study employs a descriptive qualitative approach using literature review and conceptual simulation methods. The data used are secondary data obtained from official publications of financial institutions, regulatory reports, and relevant academic literature on investment and risk management. The simulation assumes an initial investment of IDR 50,000,000 allocated into three main instruments: deposits (40%), bonds (30%), and stocks (30%), and is tested under three economic conditions, namely stable conditions, rising interest rates, and declining stock markets. The results show that a diversified portfolio generates a return of 6.32% under normal conditions, increases to 6.95% during rising interest rates, and remains positive at 4.29% during stock market downturns. These findings indicate that portfolio diversification can help reduce risk exposure and maintain investment stability under various economic conditions. Therefore, diversification-based investment strategies, risk-based instrument selection, and active portfolio management can be considered relevant approaches for financial risk mitigation in the digitalization era

Page 5 of 5 | Total Record : 42

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