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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 784 Documents
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Efficiency of Commercial Banks in Indonesia After the Covid-19 Pandemic Andriansyah, Fajar; Julia, Aan
Jurnal Keuangan dan Perbankan Vol 27, No 2 (2023): April 2023
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jkdp.v27i2.9776

Abstract

The impact of the Covid-19 pandemic has caused the condition of the banking sector, both conventional and sharia, in Indonesia to be unstable due to the policy of limiting the Covid-19 pandemic period which affects the efficiency of bank performance on credit and financing activities disbursed as well as bank operations. This research aims to measure the level of efficiency of Conventional Commercial Banks (CCB) and Sharia Commercial Banks (SCB) in Indonesia after the Covid-19 pandemic and to find out whether or not there is a difference in efficiency between CCB and SCB after the Covid-19 pandemic. The method used in this study is a quantitative method with a Data Envelopment Analysis (DEA) analysis model and a different test with the inputs used, namely capital, assets, deposits, and operational costs, then the output consists of credit and financing realization, as well as operating income. The results showed that CCB achieved an average efficiency level of 98.8 percent and SCB achieved an average efficiency level of 98.6 percent, which means that both banks have reached high efficiency levels after the Covid-19 pandemic. Then CCB and SCB experienced fluctuations that tended to be the same, so that the results of different tests showed a probability value of 0.9138 and greater than 0.05, then H0 was accepted which means that there is significantly no difference between the efficiency of CCB and SCB after the Covid-19 pandemic. DOI: 10.26905/jkdp.v27i4.9776
Corporate Sustainability and Digitalization: Is It a Bank Performance Boosters? Indayani, Indayani; Meuthia, Putri Zidni Ayu; Meutia, Rita
Jurnal Keuangan dan Perbankan Vol 27, No 3 (2023): July 2023
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jkdp.v27i3.9756

Abstract

The company's financial performance remains a contemporary issue and is of concern to stakeholders and investors. In terms of achieving the company's performance, the bank's management will carefully consider management decision. Thus, determining the right strategy is one of the important step to improving the financial performance of the corporate. Some of these strategies and management decisions in nonfinacial area are to carry out digital transformation and implement the Corporate Sustainability Program. A good company's financial performance is the proper and correct implementation of the strategy and applicable rules. Corporate Sustainability (CS) and digitalization have become important factors in this decade and their impact on banking financial performance. The objective of this study is to examine Corporate Sustainability (CS) and digitalization as the factors that can influence the bank’s financial performance.  The population of this research is 47 banks listed on IDX from 2013-2020. Then, The Sample selection was carried out by selecting banking companies that issued sustainability reports and a final sample of 6 banks was obtained with 48 total observation for 8 years. The data source is secondary data obtained from the sustainability report and financial statements of banks listed on the IDX and published in 2013-2020. The results showed that digitalization significantly affects the bank’s financial performance. In contrast, corporate sustainability does not significantly affect financial performance. This shows that in the long time during the observation period, corporate sustainability activities did not work to improve banking finance in Indonesia. The stakeholders are more concerned about other factors that can increase banking company performance. This could also be because a banking company is more profit oriented. They are reliant on financial factors other than sustainability  DOI : 10.26905/jkdp.v27i3.9756
Determinants of Efficiency: Asset Diversification, Risk, Bank Size, and Liquidity Indraswari, Citra Rahayu; Sari, Kartika
Jurnal Keuangan dan Perbankan Vol 27, No 3 (2023): July 2023
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jkdp.v27i3.11235

Abstract

Banking plays an important role in the economy both micro and macro. In addition, it is crucial for a country to have a strong and robust banking system. To realize a strong and robust banking banks need to maintain their efficiency. Therefore, it is necessary to identify the factors that affect efficiency, including asset diversification, risk, bank size and bank liquidity. The sample of this research are conventional banks with a total of 10 banks that have the largest share of assets in Indonesia. In this study to identify the effect of asset diversification, bank risk, bank size, and bank liquidity on bank efficiency used multiple linear regression analysis methods were used. This study concludes that asset diversification actually reduces bank efficiency. The increased bank risk, the better efficiency. Then, the size of the bank and liquidity have no effect on efficiency. Therefore, banks need to review the diversification strategy, ensure that the risks associated with each asset and portfolio as a whole are well-identified and look for opportunities to automate repetitive processes and reduce overall operational costs.DOI : 10.26905/jkdp.v27i3.11235
The Moderating Effect of Income Diversification on Intellectual Capital and Company Performance in Indonesian Banking Wahyuningtias, Eko; Sari, Pristin Prima; Kusumawardhani, Ratih
Jurnal Keuangan dan Perbankan Vol 27, No 3 (2023): July 2023
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jkdp.v27i3.11449

Abstract

This research aims to examine the influence of intellectual capital on company performance, the moderating effect of revenue diversification, and provide additional insight into intellectual capital. This research uses 38 banks in Indonesia that are listed on the Indonesia Stock Exchange (BEI) out of a total of 47 banks as research samples. The collected data was analyzed using linear regression and moderated regression analyses to test the effect of intellectual capital on company performance and the moderating impact of income diversification on intellectual capital and company performance. The results of the regression analysis show that intellectual capital (VAIC) has a positive effect on company performance. In contrast, income diversification is having a moderating impact on intellectual capital and company performance. The intellectual capital component has varying influences on company performance. Whereas VACA positively affects company performance, VAHU also positively impacts company performance. At the same time, STVA does not affect company performance. Based on the moderation test, income diversification does not moderate the relationship between intellectual capital components and company performance.DOI: 10.26905/jkdp.v27i3.11449
Does Board Diversity Affect Company Value? Zakaria, Adam; Nindito, Marsellisa; Nasution, Hafifah; Khairunnisa, Hera; Siregar, M. Edo S.
Jurnal Keuangan dan Perbankan Vol 25, No 2 (2021): April 2021
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jkdp.v25i2.5516

Abstract

Diversity in a board of directors has a strong relationship, so it provides higher-level management with a better monitoring system. This research aims to provide empirical proof about the influence of the diversity of the board of commissioners (BOC) and board of directors (BOD) on company value. Diversity is measured with age, educational background, and nationality. This quantitative research used data drawn from the annual reports of manufacturing companies listed on the Indonesian Stock Exchange (IDX). Panel- data regression was used to test whether the diversity of BOC and BOD significantly influenced company value. This research collected and analyzed data for 62 manufacturing companies for the 2015–2019 period, providing a total of 320 observations. Company size and leverage were applied as control variables, and the results show that age, educational background, and nationality of BOC and BOD have a significant influence on company value. Sensitivity analysis supports these results. This study benefits many parties such as BOD in monitoring the company’s operations, financial analysts, and investors in an investment decision. DOI : https://doi.org/10.26905/jkdp.v25i2.5516
Digital Technology and CSR Disclosure on Firm Value Moderated by Financial Flexibility and Firm Size Wahyuni, Maulana Fitri Agustustin Nur; Saraswati, Erwin; Prastiwi, Arum
Jurnal Keuangan dan Perbankan Vol 27, No 3 (2023): July 2023
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jkdp.v27i3.9193

Abstract

This study aimed to examine the effect of digital technology and corporate social responsibility (CSR) disclosure on firm value moderated by financial flexibility and firm size. The data collected qualitatively from company websites were analyzed using quantitative content analysis. The moderating impact of financial flexibility and firm size was tested using the Moderating Regression Analysis (MRA) model. Moreover, a criteria-based method was employed to determine samples comprising 135 banking companies listed on the Indonesia Stock Exchange for 2019-2021. The results showed that digital technology and CSR disclosure positively affect firm value. This means the company website information demonstrates to stakeholders that management has optimized resources, implemented innovative models, and increased business efficiency, quality, and consistency. Therefore, it provides a good reputation to investors and potential investors. Other findings showed that financial flexibility and firm size moderate the relationship between CSR disclosure and firm value. The two variables also strengthen the relationship between CSR disclosure and firm value. However, firm size weakens the effect of digital technology disclosure on firm value. Financial flexibility does not moderate the effect of digital technology disclosure on firm value. This study has implications for the management to focus on information quality and quantity in digital technology and CSR in fulfilling the stakeholders’ decision-making needs. http://doi.org/10.26905/jkdp.v27i3.1065       .
Competition in Microfinance Institutions: Does Voluntary Saving Product Have a Moderating Role? Nisa, Chaerani; Viverita, Viverita; Chalid, Dony Abdul
Jurnal Keuangan dan Perbankan Vol 27, No 2 (2023): April 2023
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jkdp.v27i2.11014

Abstract

This study investigates the effect of competition and the moderating role of voluntary savings on the outreach and sustainability of Microfinance Institutions (MFIs). The study uses data from 39 countries and 609 MFIs from 2004 to 2018. Unit of analysis in this study includes all MFIs in the Mix Market database. It uses Boone Indicator to measure competition. In addition, this study uses the random effects model to regress the model. We find that competition corresponds with decreased outreach and sustainability, but the value is insignificant.  The first research question is how competition affects MFIs’ outreach and sustainability, and the second research question is whether voluntary savings can work as a moderating variable in the relationship between competition and MFIs’ outreach and sustainability. Findings of this study provide guidance to MFIs and regulators regarding the ideal form for MFIs whether they should prioritize lending or expand their services to include voluntary savings. DOI: 10.26905/jkdp.v27i4.11014
Share Price Trigger in Manufacturing Companies on The Indonesia Stock Exchange Nuryani, Ni Nyoman Juli; Gorda, A. A.N. Oka Suryadinatha; Sulistyorini, Ery
Jurnal Keuangan dan Perbankan Vol 27, No 3 (2023): July 2023
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jkdp.v27i3.11747

Abstract

This study aims to examine the effect of Earning Per Share (EPS), Net Profit Margin (NPM), Gross Profit Margin (GPM), and Total Asset Turnover (TATO) on stock prices in manufacturing companies in the food and beverages sector listed on the Indonesia Stock Exchange (IDX) with an observation period of 2018-2022. The population and sample in this study are the quarterly financial statements of manufacturing companies in the food and beverage sector listed on the Indonesia Stock Exchange. The sampling method used is purposive sampling, with a total sample of 252 quarterly financial statements from 12 companies. The data used in this research is secondary data. Then, the data collected was tested by multiple linear regression analysis, which was processed using the SPSS version 18 application. The results showed that EPS and NPM have a positive and significant effect on stock prices, while GPM has no significant effect on stock prices, and TATO has a negative and significant impact on stock prices. Simultaneously, EPS, NPM, GPM, and TATO positively and significantly affect stock prices with a coefficient of determination of 67.4%.DOI: 10.26905/jkdp.v27i3.11747
Banks' Core Deposits and Net Interest Margin: Do Size and Ownership Structure Matter? Suriawinata, Iman Sofian; Prastuti, Doddi; Hermastuti, Pristina
Jurnal Keuangan dan Perbankan Vol 27, No 3 (2023): July 2023
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jkdp.v27i3.9642

Abstract

Banks’ core deposits and net interest margins play important roles in the banks’ value creation process. This study examines the effects of bank size and ownership structure on banks’ core deposits and net interest margins. The mediating role of core deposits funding on the relationship among variables being studied is also explored. Applying a structural equation modeling approach on panel data consisting of 39 conventional banks listed on the Indonesian Stock Exchange during 2016-2020, this study documents several important findings. Firstly, core deposits fundings positively affect banks’ net interest margins. Secondly, bank size has a positive effect on banks’ core deposits fundings, and has a positive indirect as well as total effect on net interest margin. Thirdly, managerial and institutional ownerships have negative effects on core deposits, positive direct effects on bank net interest margin, but negative indirect effects on bank net interest margin. Lastly, the positive direct effects of managerial and institutional ownership on bank net interest margin are totally offset by the negative indirect effects brought on net interest margin (NIM) through core deposits. DOI : 10.26905/jkdp.v27i3.9642
Stock Selection and Market Timing Ability to Increase Indonesia's Equity Mutual Fund Performance Sihombing, Pardomuan; Manurung, Arifin Hasudungan; Zakchona, Elia
Jurnal Keuangan dan Perbankan Vol 27, No 2 (2023): April 2023
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jkdp.v27i2.11047

Abstract

This study investigates the effect of stock selection, market timing, and fund size on the mutual fund’s performance with Covid-19 as a moderating variable. The sample data is limited to the listed conventional mutual funds supervised by the financial service authorization from 2014 to 2021, denominated in Rupiah currency, have a complete report, and have more than Rp 350 billion in fund equities. The sample data implements twenty-eight of the listed conventional mutual funds and is examined by a random method of Panel data multi-regression with moderated regression analysis (MRA). The result shows that market timing positively affects, and Covid-19 can enhance the effect of stock selection on the mutual fund’s performance. Meanwhile, stock selection, fund size, and Covid-19 do not affect the mutual fund’s performance. Covid-19 cannot moderate the effect of market timing and fund size on the mutual fund’s performance. Fund managers highlight market timing as a crucial indicator of obtaining more returns, and Covid-19 is the best moment to select and collect potential stock at affordable prices and trade them to get more returns after the crisis. DOI: 10.26905/jkdp.v27i4.11047

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