Academic Journal @ Perbanas Business School Surabaya - Indonesia
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Determinan stabilitas perbankan di Indonesia: Pendekatan makro dan mikro prudensial
Full text linkBanks have a very important role in the economy. Not only as financial intermediaries. They have also played a big role in the effectiveness of monetary policy. Therefore, bank stability is very important. This research aims to determine the influence of micro-prudential variables represented by CAR, NPL, and LDR variables, as well as the influence of macro-prudential variables represented by the Rupiah exchange rate variable against USD, inflation, interest rates, and IHSG, on bank stability in Indonesia, both in the short and long term. Using the vector error correction model (VECM) analysis technique, this research provides results that microprudential variables and macroprudential variables are both proven to have an influence on banking stability in Indonesia. Micro-prudential indicators such as CAR and LDR have been proven to have a positive effect on banking stability. Meanwhile, NPLs have a negative effect on banking stability. Likewise for macro-prudential indicators: the exchange rate and inflation have a negative effect on financial system stability. Meanwhile, interest rates and IHSG have a positive effect on banking stability. The impact of surprises or shocks that occur in micro-prudential and macro-prudential variables on banking stability is permanent. The implication of the findings in this research is that Bank Indonesia and the Financial Services Authority have a very large role in achieving banking stability in Indonesia
Studi financial literacy, financial self-efficacy, financial behavior dosen Universidade da Paz Timor Leste
No full textFinancial behavior reflects how individuals manage financial resources to meet their needs and achieve life goals. Financial behavior, when supported by financial literacy, experience, and self-efficacy, can enhance living standards. This study aims to explore the influence of financial literacy, financial experience, and the role of financial self-efficacy as an intervening variable. of lecturers at Universidade da Paz. The sample was taken using purposive sampling. Total respondents were 100 lecturers at Universidade da Paz Timor Leste. Research on financial behavior has been conducted in Indonesia and other countries. However, similar research has not touched the society in Timor Leste. Therefore, this research is very important to do in order to enrich empirical findings in behavior finance research. Data was collected using the survey method through questionnaires. Analysis is conducted using SEM-PLS. The results showed that financial literacy and financial experience had no significant direct effect on financial behavior. Financial self-efficacy has a significant positive effect on financial behavior and is proven as a mediator in the relationship between financial experience and financial behavior. The implication is that Universidade da Paz lecturers should improve their financial experience by growing their self-efficacy which in turn makes their financial behavior better
Work-Life Balance, Job Satisfaction, and Career Development of Millennials: The Mediating Role of Affective Commitment
Full text linkSince millennials dominate today’s workforce, it is necessary to explore the career development of this generation. Therefore, this study aims to examine the career development of the millennial generation based on work-life balance and satisfaction factors mediated by affective commitment. This study involved 160 respondents, most of whom were female manufacturing workers. This study took a quantitative approach and used structural equation modeling to examine predictors of career development among millennials. We found that work-life balance and job satisfaction positively affect affective commitment and affective commitment positively affects career development. However, the results revealed no direct relationship between work-life balance and career development. The effect of work-life balance on career development is only significant if it is mediated by job satisfaction. A clear and targeted career path is very important for the continuity of millennial career development. This study suggests technology-based ways to engage millennials using digital tools to interact and share information, resulting in better work-life balance and higher productivity. This study implies that work-life balance is necessary for enhancing job satisfaction, emotional commitment, and career advancement
Determinants of Financial Inclusion for MSMEs: Evidence from Indonesia
Full text linkEnhancing the financial sector is paramount, as it can bolster public trust in financial institutions and consequently expand financial inclusion, particularly within the MSMEs sectors. This study employs the ARCH Maximum Likelihood Model to examine the impact of the banking industry’s financial soundness and macroeconomic conditions on the financial inclusion of MSMEs. The financial soundness of banks is gauged through pertinent financial metrics, including capital adequacy, profitability, credit risk, and liquidity. Moreover, the financial inclusion metric employs the count of account credits per 1,000 adults. The findings reveal that capital, credit risk, and liquidity exert a significant influence on financial inclusion, while profitability and inflation exhibit no significant impact. Furthermore, capital, credit risk, liquidity, and inflation affect MSMEs’ credit, with profitability showing no significant impact. The practical implications derived from these findings underscore the critical importance of upholding the soundness of the banking sector to foster greater financial inclusion in Indonesia. Indonesia should strategically target its efforts toward enhancing the availability of diverse financial products and services tailored to the needs of its MSMEs. By expanding the array of financial products and services for MSMEs, banks stand to access reliable sources of funds for their lending activities
The Role of Social Media Usage on Conspicuous Online Consumption among Millennial Consumers
Full text linkThe ubiquity and maturation of the Internet and social media have given rise to social phenomena that impact consumer behavior, particularly in the realm of conspicuous online consumption. This study builds upon prior research by examining the factors influencing conspicuous online consumption among millennials in Jakarta who engage with social media platforms like YouTube and Instagram. The research methodology involved an online survey administered to 400 respondents, with data subsequently analyzed through a structural equation model, utilizing SmartPLS 4.0 software. The results illuminate a noteworthy positive correlation between the four variables studied. Moreover, they indicate that feelings of envy and materialism serve as mediating factors in the relationship between social media usage and conspicuous online consumption. In sum, this study offers valuable insights into the comprehension of conspicuous online consumption and its associated variables, bearing significance for both theory and practical applications. However, it\u27s important to note certain limitations, such as the exclusive focus on the millennial cohort in Jakarta and the fact that the selected social media platforms were not explicitly linked to the mediating variables. Future research endeavors should explore the attitudes of other cohorts toward conspicuous online consumption among social media users
The Proposed Research Framework of Organizational Agility
Full text linkOrganizational agility is the ability of an organization to respond to organizational dynamics. This paper applies a systematic literature review (SLR) based on the PRISMA protocol and theory-context-characteristic-methodology (TCCM) analysis to find research gaps and construct a research framework concerning organizational agility. By reviewing previous research publications with the following criteria: quantitative research documents indexed by Scopus as journals; in the subject area of Business, Management, and Accounting; written across 2005‒2020 in English and downloadable in full text; and empirical studies using structural equation modeling in data processing presents several research gaps. A research framework proposal is compiled concerning these research gaps, comprising 14 propositions. The proposed research framework of organizational agility is expected to provide the basis for future empirical studies
Research on Paradox in Strategic Management: a Bibliometric Analysis from 2000 to 2021
Full text linkThe sustainability of strategic management processes demands the accommodation of different expectations. The idea of paradox encourages organizational leaders to manage conflicts by accommodating the competing impulses. In the past quarter century, the theory of paradox and its continuous evolution has evolved dramatically, presenting excellent opportunities amid the speed of technological progress, reduced resources, and diverse customer expectations. The study comprehensively analyzes paradoxical concepts in current strategic management research and explores future related literature development opportunities. The bibliometric analysis method was used in this study to map and evaluate trends of paradox in strategic management domains using a statistical approach to 633 articles from Scopus. The results show that paradox in strategic management has implications related to servitization, open innovation, organizational change, ambidexterity, knowledge sharing, diversity, value creation, corporate sustainability, dynamic capabilities, and social entrepreneurship. The results of this study can guide the researchers to develop paradoxical research in the field of strategic management in the future
A Cointegration and Causal Analysis of the Government Revenue and Expenditure Relationship in Indonesia
Full text linkThis study aims to discuss the causal analysis of government revenues and expenditures in Indonesia in light of the fact that Indonesian fiscal policy significantly relies on government finance. Therefore, it can lead to fragile macroeconomic conditions. In addition, to illustrate this occurrence, the researchers used Granger causality method on data from 1971 to 2021 provided by the World Bank. This paper\u27s findings indicate that in Indonesia, the long run or equilibrium relationship between government revenue and government expenditure goes from government expenditure to government revenue. In addition, this conclusion demonstrates that government expenditures affect government revenue
Dampak pandemi Covid-19 terhadap kinerja keuangan perusahaan manufaktur yang terdaftar di BEI
Full text linkKinerja keuangan memegang peranan penting bagi perusahaan manufaktur. Namun, pandemi Covid-19 menjadi tantangan bagi kinerja keuangan mereka akibat turunnya daya beli masyarakat. Penelitian ini bertujuan untuk mengeksplorasi apakah pandemi Covid-19 menyebabkan penurunan kinerja keuangan perusahaan manufaktur. Untuk mengukur kinerja keuangan, penelitian ini menggunakan berbagai rasio keuangan, seperti likuiditas, solvabilitas, rentabilitas, dan aktivitas. Sampel terdiri dari 137 perusahaan manufaktur yang diamati selama periode 2018 hingga 2021, menghasilkan 548 titik data. Metode pengambilan sampel yang digunakan dalam penelitian ini adalah purposive sampling. Hipotesis diuji dengan menggunakan Wilcoxon Signed Rank Test. Temuan tersebut mengindikasikan bahwa pandemi Covid-19 memang berdampak negatif terhadap kinerja keuangan perusahaan manufaktur secara keseluruhan, terutama pada variabel profitabilitas dan aktivitas. Namun, likuiditas dan solvabilitas perusahaan-perusahaan tersebut belum mengalami penurunan. Menariknya, sektor lain merespons secara berbeda terhadap pandemi Covid-19, menunjukkan hasil yang berbeda. Implikasi dari penelitian tersebut menunjukkan bahwa perusahaan manufaktur harus fokus pada peningkatan solvabilitas, profitabilitas, dan aktivitas bisnis mereka secara keseluruhan, karena rasio ini terpengaruh secara negatif selama pandemi. Bagi investor, disarankan untuk mempertimbangkan berinvestasi di perusahaan manufaktur dalam sektor industri dasar dan kimia, karena mereka telah menunjukkan kemampuan untuk menghasilkan keuntungan meskipun ada tantangan yang ditimbulkan oleh pandemi
Pengaruh sistem pengendalian internal dan kompetensi sdm terhadap kualitas LKPD Bandung Barat
Full text linkPenelitian ini bertujuan mengetahui pengaruh sistem pengendalian internal dan kompetensi sumber daya manusia baik secara parsial maupun simultan terhadap kualitas laporan keuangan pemerintah daerah Bandung Barat. Yang berlokasi di Satuan Kerja Perangkat Daerah (SKPD) Pemerintah Kabupaten Bandung Barat. Teknik analisis yang digunakan untuk menentukan sampel dalam penelitian ini yaitu teknik purposive sampling, dengan 31 sampel dari 31 populasi yang berkaitan langsung dengan laporan keuangan. Seluruh responden mengisi kuesioner penelitian secara online melalui google form. Hasil penelitian menunjukan: (1) Sistem pengendalian internal berpengaruh positif dan signifikan terhadap kualitas laporan keuangan pemerintah daerah Bandung Barat. (2) Kompetensi sumber daya manusia berpengaruh positif dan signifikan terhadap kualitas Laporan Keuangan Pemerintah Daerah Bandung Barat. (3) Sistem pengendalian internal dan kompetensi sumber daya manusia berpengaruh baik secara parsial maupun simultan terhadap kualitas Laporan Keuangan Pemerintah Daerah Bandung Barat. Implikasinya, satuan kerja perangkat daerah Bandung Barat dalam menindaklanjuti dan meningkatkan kualitas laporan keuangannya dengan mengatasi hasil temuan-temuan Badan Pemerintah Keuangan (BPK) pada Ikhtisar Hasil Pemeriksaan (IHPS) IHPS tahun 2021, fokus utama dalam meningkatkan kualitas laporan keuangan adalah sistem pengendalian internal dan sumber daya manusia sebagai dasar dalam bekerja nantinya