Jurnal Ilmu Keuangan dan Perbankan最新文献

{"title":"Calculation of Indonesian Pension Funds Using Group Self Anuitization Method and Makeham Mortality Law","authors":"A. S. Anggraeni, S. Rahmadani, Rifki Chandra Utama, Vitri Aprilla Handayani","doi":"10.34010/jika.v12i2.9110","DOIUrl":"https://doi.org/10.34010/jika.v12i2.9110","url":null,"abstract":"This study aims to calculate Indonesian pension funds using the Group Self Anuitization method and Makeham's death law. The calculation of the GSA method is almost the same as the calculation of an annuity for life, so the price determination procedure includes calculating the level of annuity payments. The death rate is projected by Makeham Mortality Law based on Indonesian Mortality Table IV. Based on an analysis with the same premium amount, it is known that the benefits of male pension funds are greater than women for each age at which benefits are paid, pension funds paid to policyholders increase from 2019-2021 and decrease in 2022, the higher the entry age payment of pension funds, the benefits obtained will be even greater \u0000Keywords: Group Self Annuitization; Pension Fund; Makeham Law; Premiums; Annuity \u0000  \u0000Abstrak \u0000Penelitian ini bertujuan untuk menghitung dana pensiun Indonesia dengan menggunakan metode Group Self Anuitization dan hukum kematian Makeham. Perhitungan pada metode GSA hampir sama dengan perhitungan anuitas seumur hidup, sehingga prosedur penentuan harga meliputi perhitungan tingkat pembayaran anuitas. Angka kematian diproyeksikan oleh Hukum Kematian Makeham berdasarkan Tabel Mortalita Indonesia IV. Berdasarkan analisis dengan besaran premi yang sama, diketahui bahwa manfaat dana pensiun laki-laki lebih besar dari perempuan untuk setiap usia masuk pembayaran manfaat, dana pensiun yang dibayarkan kepada pemegang polis meningkat dari tahun 2019-2021 dan menurun pada tahun 2022, semakin tinggi usia masuk pembayaran dana pensiun maka manfaat yang diperoleh akan semakin besar. \u0000Kata Kunci: Annuitisasi Diri Kelompok; Dana Pensiun; Hukum Mortalita Makeham; Premil; Anuitas \u0000 ","PeriodicalId":34882,"journal":{"name":"Jurnal Ilmu Keuangan dan Perbankan","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-06-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"47945707","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"The Analysis of Profitability Financial Ratios at Company Engaged in Property Development and Management","authors":"Nurhana Dhea Parlina, Maiyaliza Maiyaliza","doi":"10.34010/jika.v12i2.9696","DOIUrl":"https://doi.org/10.34010/jika.v12i2.9696","url":null,"abstract":"This study aims to determine and analyze the performance of a company using profitability financial ratios in companies engaged in the development and management of public property for the 2016-2020 period. The method used is descriptive statistical analysis because it is a sample description and does not intend to make conclusions. The results of the analysis of company performance using a ratio show that the Profitability Ratio shows results that are very far from standard and have poor performance using Net profit margin, Return on assets, Gross Profit Margin, Return on Investment, Return on Net Worth, and Operating Margin (OPM). Analysis of the profitability ratios shows that the company's performance tends to be poor because the resulting ratio value is below the industry average for two years and reduced profits in 2019. \u0000Keywords: NPM; GPM; ROI; RNW; OPM \u0000  \u0000Abstrak \u0000Penelitian ini bertujuan untuk mengetahui dan menganalisis kinerja sebuah perusahaan dengan menggunakan rasio keuangan profitabilitas pada Perusahaan bergerak di bidang pengembangan dan pengelolaan property Tbk Periode 2016-2020. Metode yang digunakan analisis statistik deskripsi karena merupakan penggambaran sampel dan tidak berniatan untuk membuat kesimpulan. Hasil analisis kinerja perusahaan dengan menggunakan sebuah rasio menunjukan Rasio Profitabilitas menunjukkan hasil yang sangat jauh dari standar dan memiliki kinerja yang kurang baik dengan menggunakan Net profit margin, Return on asset, Gross Profit Margin, Return on Investment, Rerurn on Net Worth, dan Operating Margin (OPM). Analisis rasio profitabilitas menunjukan kinerja perusahaan cenderung kurang baik karena nilai rasio yang dihasilkan dibawah rata-rata industri selama dua tahun dan berkurang keuntungan di tahun 2019. \u0000Kata Kunci: NPM; GPM; ROI; RNW; OPM","PeriodicalId":34882,"journal":{"name":"Jurnal Ilmu Keuangan dan Perbankan","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-06-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"45480674","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Application of Design Thinking in Designing a Digital Financial Reporting Platform","authors":"A. Gunawan, Aziza Nur Fatiha, Alya Alifia Humaira, Cika Adistiya","doi":"10.34010/jika.v12i2.9543","DOIUrl":"https://doi.org/10.34010/jika.v12i2.9543","url":null,"abstract":"This research aims to create a new innovation that can help MSME actors manage their finances by using financial reports in accordance with existing accounting standards as practically as possible and digitally based. This study uses a design thinking approach and a qualitative approach which aims to gain a deep understanding, develop theoretical foundations, and describe the reality of the research scope. The technique used is in the form of collecting data sourced from MSME actors in the city of Bandung. The results of this study contribute to knowledge about design thinking and entrepreneurship as well as for the parties involved, and most of the research samples said it would be helpful if this digital financial reporting platform was developed. \u0000Keywords: Design Thinking; Digital Financial Reporting; MSMEs; Accounting; Digital Platform \u0000  \u0000Abstrak \u0000Penelitian ini bertujuan untuk menciptakan sebuah inovasi baru yang dapat membantu para pelaku UMKM dalam mengelola keuangannya dengan menggunakan laporan keuangan sesuai dengan standar akuntansi yang ada dengan sepraktis mungkin dan berbasis digital. Penelitian ini menggunakan metode pendekatan design thinking dan pendekatan kualitatif yang bertujuan untuk memperoleh pemahaman yang mendalam, mengembangkan dasar-dasar teori, serta mendeskripsikan realitas ruang lingkup penelitian. Teknik yang digunakan berupa pengumpulan data yang bersumber dari pelaku UMKM di Kota Bandung. Hasil penelitian ini memberikan kontribusi terhadap pengetahuan mengenai design thinking dan kewirausahaan maupun bagi pihak-pihak yang terlibat, dan sebagian besar dari sampel penelitian ini mengatakan akan terbantu bila platform laporan keuangan digital ini dikembangkan. \u0000Kata Kunci: Design Thinking; Laporan Keuangan Digital; UMKM; Akuntansi; Platform Digital","PeriodicalId":34882,"journal":{"name":"Jurnal Ilmu Keuangan dan Perbankan","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-06-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"41645767","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"The Influence of Non-Performing Loans on Profitability at Bank Rakyat Indonesia Persero Tbk","authors":"Y. Sutisnawati*, Fifi Amalia Anggraeni","doi":"10.34010/jika.v12i2.8303","DOIUrl":"https://doi.org/10.34010/jika.v12i2.8303","url":null,"abstract":"The purpose of this study is to obtain developments to what extent the influence of Non-Performing Loans (NPL) on Profitability (ROA). The method used in this research is descriptive and verification method by testing the hypothesis. From the research results, data analysis shows that the influence of variable X or non-performing loans on profitability is 70.4% and the remaining 29.6% is influenced by other variables not tested in this study. Besides that the t-table is still in the area of HO rejection, so HO is rejected and H1 is accepted, so it can be concluded that Non-Performing Loans have a significant effect on Profitability (ROA) at PT. Bank Rakyat Indonesia, Tbk. Therefore, through the research of PT. Bank Rakyat Indonesia, Tbk is expected to increase the profit value by taking into account the NPL value analysis. \u0000Keywords: Non-Performing Loans (NPL); Profitability (ROA); Bank; hypothesis; Profit \u0000Abstrak \u0000Tujuan penelitian ini adalah untuk memperoleh perkembangan sejauh mana pengaruh Non Performing Loan (NPL) terhadap Profitabilitas (ROA). Adapun metode yang digunakan pada penelitian ini adalah metode deskriptif dan verifikatif dengan melakukan uji hipotesis. Dari hasil penelitian analisis data menunjukkan bahwa Pengaruh variabel X atau non perfoming loan terhadap Profitabilitas sebesar 70,4% dan sisanya 29,6% dipengaruhi variabel lain yang tidak diuji dalam penelitian ini. Selain itu t-tabel masih berada didaerah penolakan HO maka HO ditolak dan H1 diterima, sehingga dapat disimpulkan Non Performing Loan berpengaruh signifikan terhadap Profitabilitas (ROA) pada PT. Bank Rakyat Indonesia, Tbk. Oleh sebab itu, melalui penelitian PT. Bank Rakyat Indonesia, Tbk ini diharapkan dapat meningkatkan nilai laba dengan memperhatikan analisis nilai NPL. \u0000Kata Kunci: Kredit bermasalah (NPL); Profitabilitas (ROA); Bank; Hipotesis; Laba","PeriodicalId":34882,"journal":{"name":"Jurnal Ilmu Keuangan dan Perbankan","volume":"47 4","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-06-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"41246098","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Measuring the Capital Adequacy Ratio for Bank Business Activity Group 3 that listed in Indonesia Stock Exchange","authors":"Listri Herlina, Andre Suryaningprang","doi":"10.34010/jika.v12i2.9442","DOIUrl":"https://doi.org/10.34010/jika.v12i2.9442","url":null,"abstract":"This study analyzes how the capital condition of 10 commercial banks in the category of bank business activity group 3 which is listed on IDX. The analysis is related to central bank regulation concerning banks being required to increase capital more than the minimum capital adequacy ratio as a buffer to prevent a crisis. Using the panel data regression method to analyze the issue, four independent variables used from internal factors namely Non-Performing Loan, Net Interest Margin, Loan to Deposit Ratio, and Credit Growth, there are one bank has the capital highest and only needs to increase its capital for 4% to join bank business activity group. Furthermore, there are three banks with the lowest capital adequacy ratio. Research results found that NPL significantly affects the capital of 10 banks Group 3. Based on the result, when Non-Performing Loans increase the banks will increase their capital reserves beyond the minimum capital reserves that have been set as a buffer against potential losses. \u0000Keywords: CAR; Bank Capital; Fixed Effect Method; Buffer; NPL \u0000  \u0000Abstrak \u0000Penelitian ini dilakukan untuk mengetahui bagaimana kondisi permodalan 10 bank umum dalam kategori kegiatan usaha bank kelompok 3 yang terdaftar di BEI. Analisis ini terkait dengan peraturan bank sentral tentang bank yang wajib meningkatkan modal lebih dari rasio kecukupan modal minimum sebagai penyangga (Buffer) apabila terjadi krisis keuangan dan ekonomi yang dapat mengganggu stabilitas sistem keuangan. Dengan menggunakan metode regresi data panel untuk menganalisis permasalahan tersebut, digunakan empat variabel independen dari faktor internal yaitu NPL, NIM, LDR, Pertumbuhan Kredit. Terdapat 1 bank yang memiliki permodalan tertinggi dan dengan hanya menambah modal sebesar 4% bank tersebut dapat masuk kedalam kategori Bank Unit Kegiatan Usaha. Selanjutnya, terdapat tiga bank dengan rasio kecukupan modal terendah sehingga bank tersebut wajib meningkatkan modalnya. Hasil penelitian membuktikan bahwa NPL berpengaruh positif dan signifikan terhadap permodalan 10 bank Bank Unit Kegiatan Usaha 3. Dengan berpengaruhnya NPL terhadap permodalan bank, maka Ketika NPL meningkat bank akan menambah cadangan modal melebihi minimum cadangan modal yang telah di tetapkan sebagai penyangga terhadap potensi kerugian. \u0000Kata Kunci: CAR; Modal bank; Metode Fixed Effect; Penyangga; NPL","PeriodicalId":34882,"journal":{"name":"Jurnal Ilmu Keuangan dan Perbankan","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-06-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"47486788","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Financial Ratio Analysis in Predicting Financial Distress at Tourism Companies, Restaurants, and Hotels Listed on the Indonesia Stock Exchange (IDX) 2021","authors":"Agus Sukarno, A. Yacobus, A. Satmoko","doi":"10.34010/jika.v12i2.8994","DOIUrl":"https://doi.org/10.34010/jika.v12i2.8994","url":null,"abstract":"This study aims to determine and analyze liquidity, profitability, leverage, and operational cash flow on financial distress in tourism companies, restaurants, and hotels listed on the Indonesia Stock Exchange in 2021. By measuring the effect of liquidity, profitability, leverage, and operational cash flow on financial distress. Financial distress is measured using the X-Score. The method of analysis of this research uses the logistic regression analysis method. The results of this study indicate that liquidity harms financial distress, profitability harms financial distress, leverage has a positive effect on financial distress, and the operational cash flow ratio does not affect financial distress. \u0000Keywords: Financial ratios; Financial Distress; Leverage; Oprational Cash Flow X-Score; Profitability \u0000  \u0000Abstrak \u0000Penelitian ini bertujuan mengetahui dan menganalisis liquidity, profitability, leverage dan operational cash flow terhadap financial distress pada perusahaan pariwisata, restoran dan hotel yang terdaftar di Bursa Efek Indonesia tahun 2021. Dengan mengukur pengaruh liquidity, profitability, leverage dan operational cash flow terhadap financial distress. Financial distress diukur menggunakan X-Score. Metode analisis penelitian ini menggunakan metode analisis regresi logistik. Hasil penelitian ini menunjukkan bahwa liquidity berpengaruh negatif terhadap financial distress, profitability berpengaruh negatif terhadap financial distress, leverage berpengaruh positif terhadap financial distress, operational cash flow ratio tidak berpengaruh terhadap financial distress. \u0000Kata Kunci: Rasio Keuangan; Rasio Arus Kas Operasional; Kesulitan Keuangan; Profitabilitas; Manfaat X-Score \u0000 ","PeriodicalId":34882,"journal":{"name":"Jurnal Ilmu Keuangan dan Perbankan","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-06-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"47375135","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Causality Analysis of Profitability and CSR on PBV in Commercial Banks Listed on The IDX 2016-2020","authors":"Yeni Oktaviani, Mikyal Lestarinda Dwi","doi":"10.34010/jika.v12i2.8350","DOIUrl":"https://doi.org/10.34010/jika.v12i2.8350","url":null,"abstract":"This study aims to analyze the value of companies in commercial banks listed on the Indonesia Stock Exchange based on financial performance and Corporate Social Responsibility. This study uses a causality research design with regression analysis and hypothesis testing. Commercial bank research sample using a purposive sampling method. Data analysis techniques using E-Views software for panel data regression analysis and testing hypotheses T and F. The results of the research using the T hypothesis test show that partially ROA, ROE, and NPM have no significant effect on firm value. The results of the t-test also show that CSR has no significant effect on firm value. The results of the F hypothesis test shows that ROA, ROE, NPM, and CSR have significantly affected the company value of Commercial Banks. The results of this study help banks with issues that can be considered in adopting, developing, and providing policies to increase corporate value. \u0000Keywords: CSR; Financial Performance; PBV; Profitability; Company Value \u0000  \u0000Abstrak \u0000Penelitian ini bertujuan untuk menganalisis nilai perusahaan pada bank umum yang terdaftar di Bursa Efek Indonesia berdasarkan kinerja keuangan dan Corporate Social Responsibility. Penelitian ini menggunakan desain penelitian kausalitas dengan analisis regresi dan pengujian hipotesis. Sampel penelitian bank umum menggunakan metode purposive sampling. Teknik analisis data menggunakan software E-Views untuk analisis regresi data panel dan pengujian hipotesis T dan F. Hasil penelitian dengan menggunakan uji hipotesis T menunjukkan bahwa secara parsial ROA, ROE, dan NPM berpengaruh tidak signifikan terhadap nilai perusahaan. Hasil uji t juga menunjukkan bahwa CSR tidak berpengaruh signifikan terhadap nilai perusahaan. Hasil pengujian hipotesis F menunjukkan bahwa ROA, ROE, NPM, dan CSR berpengaruh signifikan terhadap nilai perusahaan Bank Umum. Hasil penelitian ini membantu bank dengan isu-isu yang dapat dipertimbangkan dalam mengadopsi, mengembangkan, dan memberikan kebijakan untuk meningkatkan nilai perusahaan. \u0000Kata Kunci: CSR; Kinerja keuangan; PBV; Profitabilitas; Nilai Perusahaan","PeriodicalId":34882,"journal":{"name":"Jurnal Ilmu Keuangan dan Perbankan","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-06-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"41772583","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Financial Structure and Stock of Infrastructure, Utilities and Transportation Companies","authors":"Faizul Mubarok, Deby Ulfarini","doi":"10.34010/jika.v12i2.5765","DOIUrl":"https://doi.org/10.34010/jika.v12i2.5765","url":null,"abstract":"This study aims to analyze the factors that affect the stock prices of companies in the infrastructure sector. This study utilizes a panel data regression method conducted from 2015 to 2022, using quarterly reports from seven different companies. According to the findings, four elements have a major impact on the stock price. The return on assets (ROA), price to book value (PBV), and total asset turnover (TATO) have a positive impact on stock prices, while debt to equity ratio (DER) has a negative impact. These findings are consistent with previous research on factors that affect stock prices. Companies should pay close attention to consistency in financial ratio indicators that affect stock prices, as demonstrated by this study. Financial ratio volatility is associated with higher risk and lower investor trust. \u0000Keywords: Company; Performance; Stock; Infrastructure; Ratio \u0000  \u0000Abstrak \u0000Tujuan utama penelitian ini adalah untuk mengidentifikasi faktor-faktor yang berkontribusi terhadap fluktuasi harga saham. Penelitian ini menggunakan metode regresi data panel yang dilakukan dari tahun 2015 sampai dengan 2022, dengan laporan triwulanan dari tujuh perusahaan yang berbeda. Price to book value (PBV), return on assets (ROA), dan total asset turnover (TATO) memiliki pengaruh positif terhadap harga saham, sedangkan debt to equity ratio (DER) memiliki pengaruh negatif. Temuan ini konsisten dengan penelitian sebelumnya mengenai faktor-faktor yang mempengaruhi harga saham. Perusahaan harus memperhatikan konsistensi indikator rasio keuangan yang mempengaruhi harga saham, seperti yang ditunjukkan oleh penelitian ini. Volatilitas rasio keuangan dikaitkan dengan risiko yang lebih tinggi dan kepercayaan investor yang lebih rendah. \u0000Kata Kunci: Perusahaan; Kinerja; Saham; Infrastruktur; Rasio","PeriodicalId":34882,"journal":{"name":"Jurnal Ilmu Keuangan dan Perbankan","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-06-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"47018660","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Macroeconomic Effect on Sukuk Growth with Inflation as A Moderation Variable","authors":"Wardatul Wahidah R.*, S. Haryono, M. Tahir","doi":"10.34010/jika.v12i2.6119","DOIUrl":"https://doi.org/10.34010/jika.v12i2.6119","url":null,"abstract":"This study aims to determine the macroeconomic variables of the BI Rate, the amount of money in circulation, and the Jakarta Composite Index on the growth of corporate sukuk in Indonesia with inflation as a moderating variable. This research is quantitative research whose data sources were obtained from the Financial Services Authority, Bank Indonesia, and PT. Indonesia stock exchange. There are 24 samples from the 2019-2020 period which are used with data analysis techniques. The results showed that the variables BI Rate, Money Supply, and Composite Stock Price Index had no effect on the growth of corporate sukuk in Indonesia, but inflation was able to moderate the BI rate, Total Money Supply, and Jakarta Composite Index on the growth of corporate sukuk in Indonesia. The impact of this study shows that the increase in the BI Rate, Money Supply, and Composite Stock Price Index will be followed by an increase in corporate Sukuk in Indonesia, conversely if the BI rate, money supply, and JCI decrease, the corporate Sukuk in Indonesia will decrease. \u0000Keywords: Sukuk; BI Rate; Money Supply; Composite Stock Price Index; Inflation \u0000  \u0000Abstrak \u0000Penelitian ini bertujuan untuk mengetahui variabel makroekonomi BI Rate, Jumlah Uang Beredar, Indeks Harga Saham Gabungan terhadap pertumbuhan sukuk korporasi di Indonesia dengan inflasi sebagai variabel moderasi. Penelitian ini merupakan penelitian kuantitatif yang sumber datanya diperoleh dari Otoritas Jasa Keuangan, Bank Indonesia, dan PT. Bursa Efek Indonesia. Terdapat 24 sampel dengan periode 2019-2020 yang digunakan dengan teknik analisis data. Hasil penelitian menunjukan variabel BI Rate, Jumlah Uang Beredar, Indeks Harga Saham Gabungan tidak berpengaruh terhadap pertumbuhan sukuk korporasi di Indonesia, akan tetapi inflasi mampu memoderasi BI rate, Jumlah Uang Beredar, dan Indeks Harga Saham Gabungan terhadap pertumbuhan sukuk korporasi di Indonesia. Dampak pada penelitian ini menunjukkan meningkatnya BI Rate, Money Supply dan Indeks Harga Saham Gabungan akan di ikuti meningkatnya Sukuk korporasi di Indonesia, sebaliknya jika BI rate, money suplay dan IHSG mengalami penurunan mengakibatkan Sukuk korporasi di Indonesia mengalami penurunan. \u0000Kata Kunci: Sukuk; BI Rate; Jumlah Uang Beredar; Indeks Harga Saham Gabungan; Inflasi","PeriodicalId":34882,"journal":{"name":"Jurnal Ilmu Keuangan dan Perbankan","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-06-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"47385685","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Analysis of the Influence of Digital Banks on Bank Profitability","authors":"Johan Lazuardi*, Ali Muktiyanto, Hety Budiyanti","doi":"10.34010/jika.v12i2.9517","DOIUrl":"https://doi.org/10.34010/jika.v12i2.9517","url":null,"abstract":"This article aims to present an analysis of the influence of digital banks on bank profitability in Indonesia in 2013–2021. The research method used is a comparative causal method with secondary data from annual reports of sample banks taken purposively from banks in Indonesia that have provided digital bank transaction services and have gone public from 2013–2021. The results show that the number of digital bank transactions in the form of mobile banking (MB) has a positive effect on bank profitability by controlling liquidity (LDR). This happens because MB transactions are emergency and simple with smaller transaction limits so that the number of MB transactions is large and in line with increasing operational efficiency and bank profitability, and the number of digital bank transactions in the form of Internet banking does not affect bank profitability even though it has controlled liquidity (LDR). ). This is because IB transactions are complex with a nominal limit per transaction that is larger than MB, so the number of IB transactions is smaller than the number of MB transactions. \u0000Keywords: Digital Bank; Mobile Banking; Internet Banking; Liquidity; Profitability \u0000  \u0000Abstrak \u0000Artikel ini bertujuan menyajikan analisis pengaruh dari bank digital terhadap profitabilitas bank di Indonesia pada tahun 2013–2021. Metode penelitian yang digunakan adalah metode kausal komparatif dengan data sekunder dari laporan tahunan bank sampel yang diambil secara purposive pada bank di Indonesia yang telah memberikan layanan transaksi bank digital dan telah go public dari tahun 2013–2021. Hasil penelitian menunjukkan jumlah transaksi bank digital berupa mobile-banking (MB) berpengaruh positif terhadap profitabilitas bank dengan mengontrol likuiditas (LDR). Hal ini terjadi karena transaksi MB bersifat darurat dan simpel dengan limit pertransaksi yang lebih kecil sehingga jumlah transaksi MB banyak dan selaras dengan peningkatan efisiensi operasional dan profitabilitas bank,  dan jumlah transaksi bank digital berupa internet banking tidak berpengaruh terhadap profitabilitas bank walaupun sudah  mengontrol likuiditas (LDR). Hal ini karena transaksi IB bersifat kompleks dengan limit nominal pertransaksi yang lebih besar dari MB, sehingga jumlah transaksi IB lebih kecil dari jumlah transaksi MB. \u0000Kata Kunci: Bank Digital; Mobile Banking; Internet Banking; Likuiditas; Profitabilitas","PeriodicalId":34882,"journal":{"name":"Jurnal Ilmu Keuangan dan Perbankan","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-06-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"48402323","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}