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INDONESIA
Jurnal Keuangan dan Perbankan
Published by Universitas Merdeka Malang
ISSN : -     EISSN : -     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Arjuna Subject : -
Articles 15 Documents
 1   2 
Search results for , issue "Vol 21, No 3 (2017): July 2017" : 15 Documents clear
The Use of Financial Literacy for Growing Personal Finance Ardi Gunardi; Mochammad Ridwan; Gugum Mukdas Sudarjah
Jurnal Keuangan dan Perbankan Vol 21, No 3 (2017): July 2017
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (251.592 KB) | DOI: 10.26905/jkdp.v21i3.1489

Abstract

Financial literacy played an important role for everyone in managing personal finances. This research aimed to determine how the level of financial literacy in students S1 Faculty of Economics and Business, Universitas Pasundan and investigate what factors are influencing it. The observed respondents were students from the Faculty of Economics and business, Universitas Pasundan. The research data was collected through questionnaires, descriptive analysis, and test multinomial logit. Based on the results of the research showed that the level of financial literacy from undergraduate students UniversitasPasundan was in a low category. Financial literacy was determined by gender, GreaterAcademic Achievement (GPA), parental education level, and parental income level, whereas for age, year of study and residence do not contribute to the research model. The results of this study were expected to support the personal financial planning of students in improving the skills of reading, analyzing, and managing their own finances, thus avoiding the daily financial problems.DOI: https://doi.org/10.26905/jkdp.v21i3.1489
The Influence of Voluntary Disclosure, Stock Beta, and Firms Size on Cost of Equity Capital Yati Mulyati
Jurnal Keuangan dan Perbankan Vol 21, No 3 (2017): July 2017
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (205.556 KB) | DOI: 10.26905/jkdp.v21i3.1506

Abstract

This study aimed to examine the effect of voluntary disclosure, stock beta, and firm size on the cost of equity capital in manufacturing companies in the period 2013-2015. This research used a purposive sampling method and analyzed by multiple regression, a total sample of 39 manufacturing companies listed in the IDX period 2013-2015. The results showed that voluntary disclosure did not affect the cost of equity disclosure, the more voluntary disclosure had not been able to decrease the occurrence of cost of equity disclosure, beta of stock variables affected the cost of equity capital, because the stock beta was an indicator to see the condition of the company’s financial health, the company had no effect on voluntary disclosure, this result showed that the size of a company’s size could not reduce the risk level.DOI: https://doi.org/10.26905/jkdp.v21i3.1506
The Effect of Internal and External Factors of Banking to the SMEs Financing for BPRS in Indonesia Jaenal Effendi; Nurkholis Yasmin
Jurnal Keuangan dan Perbankan Vol 21, No 3 (2017): July 2017
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (317.91 KB) | DOI: 10.26905/jkdp.v21i3.1221

Abstract

Small and Medium Enterprises had a strategic role in economic growth. One of the main problems faced by SMEs in Indonesia was the limited financial capital and access to finance. Islamic Rural Banks (BPRS) could play a significant role in providing financing for the development of the real sector through SMEs. This study aimed to analyze the influence of internal and external factors of banking to the SMEs financing for BPRS in Indonesia 2011-2016 periods using the Vector Error Correction Model (VECM) method. In the long-term of VECM estimation result showed that third-party funds, FDR, inflation, and IPI had a significant positive effect on SMEs financing, while BOPO, NPF, ERP, and BSBIS variables negatively affected SMEs financing. This study recommended the importance of increasing the proportion of SMEs financing in line with the increase in the number of third-party funds and putting more funds in the real sector than in the monetary sector.DOI: https://doi.org/10.26905/jkdp.v21i3.1221
Households, Financial Distress, and Predatory Lending: An Experimental Study Irwan Trinugroho; Ariyanto Adhi Nugroho; Harmadi Harmadi; Joko Suyono; Muh Juan Suam Toro
Jurnal Keuangan dan Perbankan Vol 21, No 3 (2017): July 2017
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (199.932 KB) | DOI: 10.26905/jkdp.v21i3.1261

Abstract

A substantial part of households and micro enterprises, particularly in developing countries including Indonesia, did not have access to formal financial institutions which then lead them to borrow money from illegal loan providers. Using an experimental study, we tested whether predatory loan, an illegal short-term loan with high-interest rate, was preferable or not by comparing with pawnshop loan, bank loan and household’s limited saving when households confront with financial distress. We divided the participants into three groups: lower low, low, and upper low income. We found that predatory loan was preferable especially for the lower low and low-income group. Result also confirmed that even if the predatory loan charge was increased, the lower low- and low-income groups still prefer to ease their financial distress through predatory loans. Moreover, the longer the duration of the predatory loan, the higher its probability to be chosen as a funding source in times of household financial distress.DOI: https://doi.org/10.26905/jkdp.v21i3.1261
Perbandingan Pengelolaan Risiko Kredit Perbankan Syariah dan Perbankan Konvensional Muhammad Iqbal
Jurnal Keuangan dan Perbankan Vol 21, No 3 (2017): July 2017
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (273.45 KB) | DOI: 10.26905/jkdp.v21i3.1318

Abstract

This study aims to identify factors that can be used as indicators in reducing the incidence of credit risk in sharia banking and conventional banking. The variables that become observations include banking performance in each group and macroeconomic performance. The banking performance variables include credit risk itself as measured by problem financing, growth in financing, growth in third-party funds, and banking size. While macroeconomic variables include national income, interest rates, and inflation. Autoregressive and distributed lag methods are used to identify which variables can be used as indicators. The results showed that all identified factors can be an indicator in the process of credit risk control both in sharia banking and conventional banking. Only credit growth in conventional banking alone cannot be used as an indicator of credit risk control.DOI: https://doi.org/10.26905/jkdp.v21i3.1318

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