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Pengaruh Jumlah Inflasi dan Nilai Tukar terhadap Penyaluran Kredit UMKM Melalui Suku Bunga Dasar Kredit 通胀率和汇率对基于信用利率的UMKM信贷分配的影响
Jurnal Manajemen dan Keuangan Pub Date : 2023-05-31 DOI: 10.33059/jmk.v12i1.6444
Sagita Charolina Sihombing, Dina Agnesia Sihombing
{"title":"Pengaruh Jumlah Inflasi dan Nilai Tukar terhadap Penyaluran Kredit UMKM Melalui Suku Bunga Dasar Kredit","authors":"Sagita Charolina Sihombing, Dina Agnesia Sihombing","doi":"10.33059/jmk.v12i1.6444","DOIUrl":"https://doi.org/10.33059/jmk.v12i1.6444","url":null,"abstract":"In this study, a research was conducted to examine how the influence of the amount of inflation and the exchange rate on MSME lending through the Basic Loan Interest Rate. The data used in this study is secondary data obtained from data from Bank Indonesia and BPS RI. The research method is carried out using path analysis with the intervention variable being the basic loan interest rate. Data processing is done with the help of IBM SPSS. The results of this study indicate that inflation has a positive and not significant effect on the prime lending rate, whereas the exchange rate has an insignificant negative effect on the prime lending rate. Inflation and exchange rates have a positive and insignificant effect on total MSME loans, while the SBDK has a significant negative effect on total MSME loans. The prime lending rate does not mediate inflation and exchange rates in influencing MSME credit.","PeriodicalId":405379,"journal":{"name":"Jurnal Manajemen dan Keuangan","volume":"8 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-05-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125570830","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}
引用次数: 0
Analisis Komparasi Kinerja Keuangan PT Bank BTPN. Tbk Sebelum dan Sesudah Merger PT Bank BTPN财务绩效综合分析。合并前后的Tbk
Jurnal Manajemen dan Keuangan Pub Date : 2023-05-31 DOI: 10.33059/jmk.v12i1.5925
Nike Anabella, Vera Intanie dewi
{"title":"Analisis Komparasi Kinerja Keuangan PT Bank BTPN. Tbk Sebelum dan Sesudah Merger","authors":"Nike Anabella, Vera Intanie dewi","doi":"10.33059/jmk.v12i1.5925","DOIUrl":"https://doi.org/10.33059/jmk.v12i1.5925","url":null,"abstract":"The purpose of this study is to conduct a comparative test of Bank BTPN Tbk.,financial performance before and after the merger using the Risk-Based Bank Rating approach. The method used is verificative study, carried out by conducting a paired t-test of two samples. This study found that Bank BTPN Tbk. financial performancedeclined after the merger. This is indicated by the increasing LDR, indicating that the bank's liquidity risk becomes greater after the merger. The NIM and ROA ratios were smaller and the BOPO ratio increased after the merger, indicating that Bank BTPN Tbk. ability to generate profits has decreased. The level of bank capital with the CAR indicator also decreased. Based on the results of comparative analysis, it can be proven that there are differences in the financial performance of Bank BTPN between before and after the merger","PeriodicalId":405379,"journal":{"name":"Jurnal Manajemen dan Keuangan","volume":"11 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-05-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114436122","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}
引用次数: 0
Analisis Return Reksa Dana Syariah Berdasarkan Domestic Macroeconomics dan Foreign Macroeconomics 国内宏观经济学与国外宏观经济学的回报分析（Analisis Return Reksa Dana Syariah Berdasarkan Domestic Macroeconomics and Foreign Macroeconomics
Jurnal Manajemen dan Keuangan Pub Date : 2023-05-31 DOI: 10.33059/jmk.v12i1.6066
Dwi Putri Restuti, Bayu Tri Cahya
{"title":"Analisis Return Reksa Dana Syariah Berdasarkan Domestic Macroeconomics dan Foreign Macroeconomics","authors":"Dwi Putri Restuti, Bayu Tri Cahya","doi":"10.33059/jmk.v12i1.6066","DOIUrl":"https://doi.org/10.33059/jmk.v12i1.6066","url":null,"abstract":"The investment trend of Islamic mutual funds is very interesting in the era of globalization. Sharia mutual funds are the right investment solution because their operations are free from elements of maysir, gharar and usury. In addition, ease of access and reach is also influenced by the application of technology. Investors simply monitor the development of investment instruments using mobile phones. Based on this phenomenon, it is necessary to analyze the various factors that influence the development of Islamic mutual funds so that investors can obtain maximum returns. These influential factors can be domestic macroeconomic factors (inflation, exchange rates and the BI Rate) and foreign (Dow Jones Islamic Market Index). Therefore, this study aims to determine the effect of inflation, exchange rates, the BI Rate and the Dow Jones Islamic Market Index on the return of Islamic mutual funds. A quantitative approach was adopted in the research along with the sample selection using the Purposive Sampling method. So that the population is all Islamic mutual funds registered with the Financial Services Authority with a sample of 17 Islamic mutual funds. Based on multiple linear regression analysis, the results show that: 1) inflation has a partially significant effect on the return of Islamic mutual funds, 2) the exchange rate has no significant effect partially on the return of sharia mutual funds, 3) the BI Rate has no significant effect partially on the return of sharia mutual funds, and 4) the Dow Jones Islamic Market Index has a partially significant effect on the return of Islamic mutual funds. The use of foreign stock indexes (Dow Jones Islamic Market Index) is a novelty in this study.","PeriodicalId":405379,"journal":{"name":"Jurnal Manajemen dan Keuangan","volume":"32 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-05-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"134331215","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}
引用次数: 0
Asimetri Informasi Penyebab Underpricing IPO di Indonesia saat Pandemi Covid-19 在Covid-19大流行期间，造成印尼IPO缩减的信息不对称
Jurnal Manajemen dan Keuangan Pub Date : 2023-05-31 DOI: 10.33059/jmk.v12i1.7571
Vivi Ariyani
{"title":"Asimetri Informasi Penyebab Underpricing IPO di Indonesia saat Pandemi Covid-19","authors":"Vivi Ariyani","doi":"10.33059/jmk.v12i1.7571","DOIUrl":"https://doi.org/10.33059/jmk.v12i1.7571","url":null,"abstract":"This study aims to examine the factor that influence the underpricing of the Initial public offering (IPO), namely the Return on Assets and reputation of the underwriter. By using age, size, and trading volume as control variables on the level of underpricing of shares in companies conducting IPOs on the Indonesia Stock Exchange. The sample for this study was 112 companies for the 2020-2022 period using purposive sampling. From the results of data processing, it shows that the underwriter's reputation variable has a significant negative effect on the level of underpricing. This explains that the reputation of underwriters who are not included in the top 10 has an effect on increasing the underpricing of companies conducting IPOs. This is thought to cause information asymmetry between company management and investors. The results of this research can be taken into consideration by investors when deciding to invest in certain companies and government policy considerations when a company conducts an IPO on the stock exchange.","PeriodicalId":405379,"journal":{"name":"Jurnal Manajemen dan Keuangan","volume":"12 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-05-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129595405","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}
引用次数: 0
Pengaruh Program KUR dan BLT terhadap Kinerja UMKM dengan Strategi Diferensiasi sebagai Variabel Mediasi 量度方案和BLT对UMKM绩效的影响，其分化策略为中介变量
Jurnal Manajemen dan Keuangan Pub Date : 2023-05-31 DOI: 10.33059/jmk.v12i1.5310
Irma Suryani, Maria Rio Rita
{"title":"Pengaruh Program KUR dan BLT terhadap Kinerja UMKM dengan Strategi Diferensiasi sebagai Variabel Mediasi","authors":"Irma Suryani, Maria Rio Rita","doi":"10.33059/jmk.v12i1.5310","DOIUrl":"https://doi.org/10.33059/jmk.v12i1.5310","url":null,"abstract":"This study aims to examine the impact of the Kredit Usaha Rakyat (KUR) and Bantuan Langsung Tunai (BLT) programs on the performance of MSMEs through differentiating mediation strategies. This study involved SMEs in Salatiga City using a purposive sampling method to purchase samples. Data is processed using Partial Least Square-Structural Equation Modeling (PLS-SEM). The reported findings are that the KUR and BLT programs have a significant positive effect on the differentiation strategy and also on the performance of MSMEs. It is also proven that differences in strategy mediate the effect of the KUR and BLT programs on MSME performance. This can be a reference for MSME actors to increase capital in a business by wisely using the KUR and/or BLT programs to support the implementation of a differentiation strategy to improve operations.","PeriodicalId":405379,"journal":{"name":"Jurnal Manajemen dan Keuangan","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-05-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130089265","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}
引用次数: 0
Strategi Pengembangan SDM: Upaya Penunjang Daya Saing UMKM di Era Pandemi Covid 19 人力资源开发战略:Covid大流行时代的UMKM维护努力
Jurnal Manajemen dan Keuangan Pub Date : 2023-05-31 DOI: 10.33059/jmk.v12i1.5757
Imran Ukkas, Muhammad Kasran
{"title":"Strategi Pengembangan SDM: Upaya Penunjang Daya Saing UMKM di Era Pandemi Covid 19","authors":"Imran Ukkas, Muhammad Kasran","doi":"10.33059/jmk.v12i1.5757","DOIUrl":"https://doi.org/10.33059/jmk.v12i1.5757","url":null,"abstract":"Human Resource development for SMEs needs to be carried out in order to improve SMEs competitiveness in the Covid 19 pandemic era. This study aims to discover an effective formulation of Human Resource quality development strategies for SMEs in Palopo as an effort to support SMEs competitiveness in the Covid 19 pandemic era. The Methods used is descriptive qualitative with SWOT analysis. The results show that the position on the IE Matrix diagram is in quadrant IV which means it is in a Grow and Build condition. Meanwhile, in the SWOT matrix, it is in quadrant I, which means that the right strategy is carried out, which is an aggressive strategy. Alternative strategies which can be done include increasing Human Resource skills in mastering digital technology in supporting business development.","PeriodicalId":405379,"journal":{"name":"Jurnal Manajemen dan Keuangan","volume":"120 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-05-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133098770","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}
引用次数: 1
Pengaruh Literasi Keuangan dan Financial Self-Efficacy terhadap Risky Credit Behaviour dalam Penggunaan PayLater
Jurnal Manajemen dan Keuangan Pub Date : 2023-05-31 DOI: 10.33059/jmk.v12i1.5825
N. Surya, Evelyn Evelyn
{"title":"Pengaruh Literasi Keuangan dan Financial Self-Efficacy terhadap Risky Credit Behaviour dalam Penggunaan PayLater","authors":"N. Surya, Evelyn Evelyn","doi":"10.33059/jmk.v12i1.5825","DOIUrl":"https://doi.org/10.33059/jmk.v12i1.5825","url":null,"abstract":"This study aims to determine the effect of Financial Literacy and Financial self efficacy on Risky credit behaviour in the usage of pay later feature. In addition, this study also aims to determine the mediating effect of Financial self-efficacy between financial literacy and risky credit behaviour. The population of this study is Indonesia Millenials and the sample of this study is residents born between 1990-2000 who have used pay later in the last 1 year. The data analysis was performed using Partial Least Square method. The results of the study indicate that objective financial literacy and subjective financial literacy have positive and significant effects on Financial self-efficacy, Financial self efficacy has negatif significant effects on risky credit behaviour, objective financial literacy and subjective financial literacy have negatif significant effects on risky credit behaviour, and Financial self-efficacy mediates the effects of subjective financial literacy and objective financial literacy on risky credit behavior.","PeriodicalId":405379,"journal":{"name":"Jurnal Manajemen dan Keuangan","volume":"06 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-05-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127195531","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}
引用次数: 0
Citra Destinasi terhadap Kepuasan Pengunjung dan Niat Rekomendasi 目标图像，参观者满意度和推荐意图
Jurnal Manajemen dan Keuangan Pub Date : 2023-05-31 DOI: 10.33059/jmk.v12i1.6687
Nuraini Khusnul Khotimah, Rita Indah Mustikowati, Iva Nurdiana Nurfarida, Mohammad Fakhruddin mudzakkir
{"title":"Citra Destinasi terhadap Kepuasan Pengunjung dan Niat Rekomendasi","authors":"Nuraini Khusnul Khotimah, Rita Indah Mustikowati, Iva Nurdiana Nurfarida, Mohammad Fakhruddin mudzakkir","doi":"10.33059/jmk.v12i1.6687","DOIUrl":"https://doi.org/10.33059/jmk.v12i1.6687","url":null,"abstract":"This study focuses on studying how the image of a destination from tourists that appears is related to tourist satisfaction and subsequently has the intention to recommend the place to others. Destination imagery is studied through three components – cognitive, affective, and unique. Findings from 170 samples through surveys and distributing questionnaires both online and offline to visitors to Batu City tourism objects which are then processed using the SEM-pls 3.0 method. The results reveal that affective image affects tourist satisfaction and post-visit behavior; the cognitive component had a significant effect on all constructs, except recommendation intentions, while unique image also affected tourist satisfaction and post-visit behavior.","PeriodicalId":405379,"journal":{"name":"Jurnal Manajemen dan Keuangan","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-05-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131045515","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}
引用次数: 0
The Influence of Productive Asset Quality, Loan to Deposit Ratio, Non Performing Loan, and Operating Expenses to Operating Income on Profit with Capital Adequacy Ratio as Moderating Variable in Indonesian Banking 以资本充足率为调节变量的印尼银行业生产性资产质量、存贷比、不良贷款和营业费用对利润的影响
Jurnal Manajemen dan Keuangan Pub Date : 2023-05-31 DOI: 10.33059/jmk.v12i1.7455
H. Sasongko, Nancy Yusnita
{"title":"The Influence of Productive Asset Quality, Loan to Deposit Ratio, Non Performing Loan, and Operating Expenses to Operating Income on Profit with Capital Adequacy Ratio as Moderating Variable in Indonesian Banking","authors":"H. Sasongko, Nancy Yusnita","doi":"10.33059/jmk.v12i1.7455","DOIUrl":"https://doi.org/10.33059/jmk.v12i1.7455","url":null,"abstract":"Banking has an important role in the economy and has a function as an agent of trust, agent of development, and agent of services. In creating a healthy banking system, Bank Indonesia issued a program to strengthen national banking to strengthen capital in order to improve the ability of banks to manage business and risk. The purpose of this study was to analyze the effect of earning asset quality, loan to deposit ratio, non-performing loans, and operating expenses on operating profit with the capital adequacy ratio as a moderating variable in Indonesian banking. The sample selection was carried out by purposive sampling method, namely the 10 largest banks in Indonesia. The model estimation analysis method is done by panel data regression analysis. The results showed that the CAR variable as an intervention variable succeeded in increasing the effect of earning asset quality, loan to deposit ratio, non-performing loans, and expenses to operating income on return on assets","PeriodicalId":405379,"journal":{"name":"Jurnal Manajemen dan Keuangan","volume":"28 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-05-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131998706","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}
引用次数: 0
Impact of The Covid 19 Pandemic: Is There Overreaction in LQ 45 Stock? Covid - 19大流行的影响:LQ - 45股票是否存在过度反应?
Jurnal Manajemen dan Keuangan Pub Date : 2023-05-31 DOI: 10.33059/jmk.v12i1.4727
Deden Rizal Riadi, E. Garnia, T. Tahmat
{"title":"Impact of The Covid 19 Pandemic: Is There Overreaction in LQ 45 Stock?","authors":"Deden Rizal Riadi, E. Garnia, T. Tahmat","doi":"10.33059/jmk.v12i1.4727","DOIUrl":"https://doi.org/10.33059/jmk.v12i1.4727","url":null,"abstract":"The Covid-19 pandemic has had an impact on various aspects of life, including the capital market which has caused a negative response on most stock exchanges around the world, including the Indonesia Stock Exchange. The Effecieny Market Hypothesis (EMH) explains that the price of a stock will always be reflected from the information available in the market or investors tend to be rational. However, dramatic events such as COVID-19 allow investors to overreact. The results showed that there was an overreaction in both winner and loser stocks in the LQ 45 group on the IDX in 3 months of observation since covid was announced as a pandemic. This overreaction is then followed by a price reversal even though it has not given a significant return after t+13 for both winner and losser stocks. The speed of price recovery (magnitude effect) after the price reversal on the loser stock is higher (faster) than the winner stock. The speed of this price recovery is significantly affected by the company's capital structure and share ownership of individual investors (local and foreign).","PeriodicalId":405379,"journal":{"name":"Jurnal Manajemen dan Keuangan","volume":"34 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-05-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"117229069","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}
引用次数: 0
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