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Fangky A. Sorongan
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Journal of Business, Finance, and Banking
Published by Institut Keuangan-Perbankan dan Informatika Asia Perbanas
ISSN : -     EISSN : 31097103     DOI : https://doi.org/10.56174/jbfb.v1i1
Core Subject : Economy, Science, Education, Social,
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Other
The Journal of Business, Finance, and Banking (JBFB) is a scientific journal published by the Perbanas Institute in collaboration with the Indonesian Chamber of Commerce and Industry (KADIN). JBFB is dedicated to providing a platform for academics and practitioners to publish their quantitative and qualitative research findings in the fields of economics, business, finance, and banking. The journal is published biannually in July and January. The journal’s editors welcome empirical research articles and scholarly reviews. JBFB prioritizes the consistency and quality of scholarly work to advance knowledge and practice in economics, business, finance, and banking.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 23 Documents
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The Influence of Financial Literacy and Pocket Money on the Saving Behavior of SMK Gotong Royong Students Yuyun Rasai; Sahrul Hi. Posi; Suharli Manoma; Nasrula Kaiyeli
Journal of Business, Finance, and Banking Vol. 2 No. 2 (2026): Journal of Business, Finance, and Banking (JBFB)
Publisher : Institut Keuangan-Perbankan Dan Informatika Asia Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56174/jbfb.v2i2.1342

Abstract

This study aims to determine the simultaneous and partial influence of financial literacy and pocket money on students' saving behavior. This study is a type of inferential statistical research conducted to test hypotheses. This study uses secondary data sourced from questionnaires distributed to 66 students. The sampling technique uses Non-Probability Sampling with Convenience Sampling techniques. The analysis method used is multiple linear regression analysis. Based on the results of partial hypothesis testing, it is known that the variables of financial literacy and pocket money have a positive effect on students' saving behavior. While simultaneously, the variables of financial literacy and pocket money have a simultaneous effect on students' saving behavior. The results of the coefficient of determination test obtained an R-square value of 0.721 or 72.1% of students' saving behavior is influenced by financial literacy and pocket money factors, while the remaining 27.9% (100% - 72.1%) is influenced by other factors not explained in this study.
Data Breach and Data Leak as a Threat in XYZ Bank: Risk Management Steps Mercurius Broto Legowo; Rachel Desica Patricia; Nabilah Rahsa; Nurraimi Batrisyia; Siti Rosmah Julia
Journal of Business, Finance, and Banking Vol. 2 No. 2 (2026): Journal of Business, Finance, and Banking (JBFB)
Publisher : Institut Keuangan-Perbankan Dan Informatika Asia Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56174/jbfb.v2i2.1345

Abstract

The rapid digital transformation in the banking sector has significantly increased exposure to cybersecurity threats, particularly data breaches and data leak incidents. These threats may compromise the confidentiality, integrity, and availability of sensitive customer and organizational information, resulting in financial losses, reputational damage, and regulatory sanctions. This study aims to analyse the risks associated with data breaches and data leaks in Banking XYZ and propose appropriate risk management measures using the COBIT 5 framework, specifically the APO12 (Manage Risk) and DSS05 (Manage Security Services) domains. The research employs a qualitative descriptive approach using literature review and risk analysis based on COBIT 5 processes. The findings indicate that both Data Breach and Data Leak are categorized as high-risk threats due to their high likelihood and significant business impact. The APO12 domain facilitates systematic risk identification, assessment, evaluation, and monitoring, while DSS05 supports the implementation of operational security controls. Furthermore, the study highlights that security measures such as Multi-Factor Authentication (MFA), Data Loss Prevention (DLP), Security Information and Event Management (SIEM), and continuous security monitoring are essential to mitigate cybersecurity risks. The study concludes that the COBIT 5 framework provides an effective, structured approach to strengthening information security governance and enhancing cyber resilience in the banking industry.
Climate-Integrated Contingency Funding Plans for Indonesia's Big-Four Banks Leonard Tiopan Panjaitan Panjaitan
Journal of Business, Finance, and Banking Vol. 2 No. 2 (2026): Journal of Business, Finance, and Banking (JBFB)
Publisher : Institut Keuangan-Perbankan Dan Informatika Asia Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56174/jbfb.v2i2.1355

Abstract

Climate change is a systemic macro-financial risk, yet quantitative frameworks integrating physical and transition climate risks into bank contingency funding planning remain limited, particularly in emerging markets like Indonesia. Methods: This study develops the Climate-Integrated Liquidity Coverage Ratio (CI-LCR) framework and applies it to Indonesia's Big-Four commercial banks (Bank Mandiri, Bank Rakyat Indonesia, Bank Central Asia, Bank Negara Indonesia). The empirical analysis utilizes a balanced panel (2018–2024), three NGFS climate scenarios, and ordinary least squares trend regression computed from a verified banking risk database. Results: In the worst-case scenario (Compound Climate Liquidity Stress), Bank Mandiri (94.00%) and Bank Rakyat Indonesia (92.50%) fall below the 100% regulatory minimum, whereas Bank Central Asia (212.63%) and Bank Negara Indonesia (117.62%) remain compliant. Corrected estimates show pre-2025 liquidity trajectories were statistically weak for all four banks. Furthermore, a disclosure assessment of fifteen banks reveals significant climate-governance weaknesses (average score 2.13 of 6). Conclusion: The proposed framework accordingly puts forward a dedicated climate transition liquidity buffer of 4.20 trillion Rupiah and a climate-based activation mechanism (C-TAT), providing a reproducible approach for integrating climate risk into Indonesian banking liquidity supervision

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