Jurnal Keuangan dan Perbankan

Dampak Korupsi Terhadap Inflasi Dan Pertumbuhan Ekonomi di Indonesia

Mon, 29 Dec 2025 00:00:00 +0000

Corruption hinders economic growth, reduces investor confidence, and exacerbates social injustice. Key contributing factors include economic pressure, greed, and weak oversight. This study evaluates the impact of corruption on Indonesia's inflation and economic growth 2019-2024 using secondary data from Statistics Indonesia (BPS), Transparency International, World Bank, and Bank Indonesia. The results show that high levels of corruption contribute to economic instability. Policy reforms, transparency, and strict law enforcement are needed to improve CPI scores, curb inflation, and promote sustainable economic growth. Corruption increases inflation, discourages investment, and weakens the economy.

Korupsi menghalangi pertumbuhan ekonomi, mengurangi kepercayaan dari investor, dan memperburuk ketidakadilan sosial. Faktor-faktor utama yang menjadi penyebabnya termasuk tekanan ekonomi, keserakahan, dan lemahnya pengawasan. Penelitian ini mengevaluasi dampak korupsi terhadap inflasi dan pertumbuhan ekonomi Indonesia 2019 - 2024 dengan menggunakan data sekunder dari Badan Pusat Statistik (BPS), Transparency International, World Bank, dan Bank Indonesia. Hasilnya memperlihatkan bahwa tingginya tingkat korupsi berkontribusi pada ketidakstabilan ekonomi. Reformasi kebijakan, transparansi, dan penegakan hukum yang ketat diperlukan untuk meningkatkan skor CPI, menekan inflasi, serta mendorong pertumbuhan ekonomi yang berkelanjutan. Korupsi meningkatkan inflasi, menghambat investasi, dan melemahkan ekonomi.

Implikasi Korupsi Pertamina Terhadap Kepercayaan Investor dan Pertumbuhan GDP Nasional

Mon, 29 Dec 2025 00:00:00 +0000

In the economic sector, corruption will certainly complicate economic development, which in the private sector will certainly increase costs due to illegal payments and the risk of canceling agreements or investigations. Corruption has a huge impact, including slowing down the country's economic growth and decreasing investment, creating income inequality, and increasing poverty in the country. This research aims to analyze the impact of corruption in Pertamina on Indonesia's economic stability, investor confidence, and Gross domestic product (GDP) growth. By using descriptive qualitative research methods to collect data from the Ministry of Finance related to fuel subsidies, as well as investment movements in the energy sector. The results showed that the corruption case at Pertamina had a negative impact on economic stability. In addition, investor confidence in Indonesia's energy sector has decreased, which is characterized by weakening foreign direct investment and fluctuations in the capital market. The broader impact was also seen in GDP growth, where the oil and gas sector, which was previously one of the main pillars of the economy, slowed down due to the instability caused by the corruption case. This study recommends increased transparency and better corporate governance through the implementation of Good corporate governance (GCG).

Pengaruh Kebijakan Moneter dan Indikator Lingkungan terhadap Penerbitan Green Bond di Negara Berkembang

Rizqa Meliza, Cep Jandi Anwar, Muhammad Nasim Harahap — Mon, 29 Dec 2025 00:00:00 +0000

Isu global seperti perubahan iklim dan degradasi lingkungan telah menciptakan kebutuhan pendanaan besar untuk proyek berkelanjutan, menjadikan green bond sebagai instrumen keuangan yang penting. Penelitian ini berfokus pada analisis pengaruh kebijakan moneter (Suku Bunga Bank Sentral, Nilai Tukar, Cadangan Devisa, dan Pertumbuhan Ekonomi) dan indikator lingkungan (Emisi Karbon, dan Konsumsi Energi Terbarukan) terhadap penerbitan Green Bond di 21 negara berkembang pada tahun 2015Q1-2O24Q4. Penelitian ini menguji pengaruh jangka pendek dan jangka panjang menggunakan metode analisis Pooled Mean Group (PMG). Hasil temuan menunjukkan bahwa dalam jangka pendek, konsumsi energi terbarukan memiliki pengaruh positif signifikan terhadap penerbitan green bond. Sementara dalam jangka panjang, suku bunga bank sentral dan nilai tukar memiliki pengaruh negatif signifikan terhadap penerbitan green bond, sebaliknya cadangan devisa, pertumbuhan ekonomi, dan konsumsi energi terbarukan memiliki pengaruh positif signifikan terhadap penerbitan green bond.

Analisis RGEC, Efisiensi, Stabilitas, Dan Prediksi Kebangkrutan Pada Bank Panin Dubai Syariah Tahun 2020-2024

Umiyati, Razan Azka Raditama, Muhammad Husni Nugraha, Haidar Ammar — Mon, 29 Dec 2025 00:00:00 +0000

Penelitian ini bertujuan untuk menganalisis secara komprehensif stabilitas keuangan, efisiensi operasional, potensi financial distress, dan tingkat kesehatan Bank Panin Dubai Syariah (BPDS) selama periode 2020–2024. Penilaian ini diimplementasikan dengan menggabungkan dua instrumen utama: pendekatan RGEC (Risk Profile, Good Corporate Governance, Earnings, Capital) yang ditetapkan Otoritas Jasa Keuangan, dan metode prediktif Altman Z-Score untuk mengestimasi probabilitas kebangkrutan. Data yang dianalisis merupakan data sekunder, terutama berasal dari laporan keuangan tahunan BPDS serta publikasi resmi terkait. Hasil analisis menunjukkan adanya variasi kinerja yang signifikan pada beberapa indikator, di mana aspek profitabilitas dan kualitas aset diidentifikasi sebagai area yang membutuhkan perbaikan lebih lanjut. Meskipun demikian, rasio permodalan secara konsisten memperlihatkan posisi yang kuat dan stabil, memberikan buffer yang memadai untuk menopang risiko operasional di tengah fluktuasi indikator kinerja lainnya. Berdasarkan evaluasi tingkat kesehatan secara keseluruhan dan hasil prediksi Z-Score, penelitian ini merekomendasikan peningkatan kualitas aset, penguatan manajemen risiko pembiayaan, dan strategi optimalisasi struktur permodalan untuk memastikan stabilitas keuangan jangka panjang dan ketahanan bank.

Implementation of Panel Data Regression on Profitability Sharia Stock in The Trade Sub-Sector

Mon, 29 Dec 2025 00:00:00 +0000

Stocks are certificates that show proof of ownership of a company, and shareholders have claim rights to the company's profits and assets. To measure the company's performance in stocks, several ratios can be used. This study aims to determine the effect of net profit margin (NPM), current ratio (CR), and total asset turnover (TATO) on the profitability (ROA) of Retail Trading companies on the IDX. In this study using descriptive quantitative methods and the analysis used is panel data regression analysis. Panel data regression analysis is used to determine the effect of financial ratios on company profits. The population in the research is 93 companies in the retail trade sub-sector. By using purposive sampling obtained a sampling of 14 companies with a total of 42 samples. The results of this study indicate that the variable current ratio (CR) has a positive effect on return on assets (ROA), while net profit margin (NPM), total asset turnover (TATO) has a negative effect on return on assets (ROA). The model has an effect of 78%, the rest is influenced by other factors outside the research.

Pengaruh Good Corporate Governance Dan Corporate Social Responsibility Terhadap Nilai Perusahaan Pada Perusahaan Manufaktur Yang Terdaftar Di Bursa Efek Indonesia (Sektor Food And Beverage)

Lediana Sufina, Rafito Rachmat Khadafi — Mon, 29 Dec 2025 00:00:00 +0000

Firm value is one of the key indicators in the capital market that reflects stakeholders’ perceptions of a company’s performance and prospects. Changes in firm value can be influenced by various factors that illustrate a company’s ability to achieve business success. This study aims to analyze the effect of Good Corporate Governance (GCG) and Corporate Social Responsibility (CSR) on firm value in manufacturing companies within the Food and Beverage sector listed on the Indonesia Stock Exchange (IDX) during the 2020–2024 period. The independent variables in this study consist of the Board of Commissioners, Board of Directors, Managerial Ownership, and CSR disclosure, while the dependent variable is firm value measured using the Tobin’s Q ratio. This research employs a quantitative approach using secondary data obtained from companies’ financial statements and sustainability reports. The sample comprises 12 companies with a total of 60 observations. Data analysis was performed using panel data regression with the Common Effect Model (CEM) approach through EViews 12 software. The results indicate that GCG and CSR simultaneously have a significant effect on firm value. Partially, the Board of Commissioners and Board of Directors show a negative effect on firm value, while the Audit Committee has no significant influence. Meanwhile, CSR disclosure has a positive and significant effect on firm value. These findings are consistent with the Signalling Theory, which suggests that CSR disclosure provides a positive signal to investors as it reflects the company’s commitment to social responsibility and business sustainability.

Pengaruh Likuiditas, Modal Kerja, dan Efisiensi terhadap Kinerja Keuangan dengan Variabel Kontrol SIZE, LEV, AGE, dan FGR pada Perusahaan Makanan dan Minuman di BEI (2019–2023)

Catur Nugrahani, Paulina Harun — Mon, 29 Dec 2025 00:00:00 +0000

This study aims to analyze the effect of Liquidity, Net Working Capital, and Firm Efficiency on financial performance measured by Return on Assets (ROA) in food and beverage sub-sector companies listed on the Indonesia Stock Exchange during the 2019–2023 period. The control variables include Firm Size, Financial Leverage, Firm Age, and Growth Rate. The sample consists of 55 companies selected through purposive sampling based on the completeness of financial reports and the presentation of data in Rupiah. The analysis was conducted using panel data–based multiple linear regression. The results show that Current Ratio, Net Working Capital, and Total Asset Turnover have a significant positive effect on ROA. Conversely, Firm Size and Financial Leverage have a significant negative effect, while Firm Age and Growth Rate do not exhibit a meaningful influence. These findings highlight the importance of managing liquidity, working capital, and asset efficiency. For future research, it is recommended to expand the scope to other industrial sectors for more generalizable results, include alternative performance indicators such as ROE, and incorporate external variables such as market risk and economic conditions to provide a more comprehensive understanding.

Perilaku Generasi Z terhadap Pinjaman Online

Arie Kurniawati, Nuri Wulandari, Whony Rofianto, Batara Simatupang — Mon, 29 Dec 2025 00:00:00 +0000

Penelitian ini mengeksplorasi perilaku keuangan Generasi Z (Gen Z) di Indonesia, khususnya dalam penggunaan layanan pinjaman online. Permasalahan utama yang diidentifikasi adalah meningkatnya ketergantungan Gen Z pada platform pinjaman digital, yang menimbulkan kekhawatiran terhadap kerentanan finansial dan risiko utang. Gen Z, sebagai kelompok demografi yang tumbuh di era digital, sangat terbuka terhadap inovasi teknologi dan produk keuangan digital, sehingga lebih rentan terhadap peluang sekaligus risiko. Pendekatan kualitatif deskriptif digunakan melalui wawancara mendalam semi-terstruktur dengan individu berusia 17–28 tahun yang pernah atau sedang menggunakan layanan pinjaman online. Analisis difokuskan pada pengalaman, persepsi, dan motivasi mereka dalam mengambil keputusan keuangan. Hasil penelitian menunjukkan bahwa kebutuhan keuangan jangka pendek yang mendesak, pola gaya hidup konsumtif, serta kemudahan dan kecepatan akses pinjaman online menjadi faktor utama yang membentuk perilaku pinjaman Gen Z. Selain itu, paparan promosi semakin mendorong adopsi pinjaman, sementara rendahnya literasi keuangan meningkatkan kerentanan terhadap risiko finansial dan penumpukan utang. Temuan ini memberikan kontribusi teoretis terhadap pemahaman perilaku keuangan Gen Z di era digital. Secara praktis, penelitian ini menawarkan wawasan bagi regulator, penyedia layanan keuangan, dan pendidik untuk merancang strategi perlindungan konsumen, literasi keuangan digital, dan kampanye pinjaman bertanggung jawab yang lebih relevan bagi generasi muda.

Critical Review of The Psychology of Money by Morgan Housel: A Behavioral Perspective on Financial Decision-Making

Teguh Setiawan — Mon, 29 Dec 2025 00:00:00 +0000

This article presents a critical review of Morgan Housel’s bestselling book, "The Psychology of Money", through the lens of behavioral finance. Housel argues that financial outcomes are driven more by human behavior and psychological factors than by technical knowledge or intelligence. The review evaluates key themes in the book—such as risk, luck, greed, patience, compounding, and the emotional dimensions of money-while linking them to foundational theories in behavioral economics by scholars like Kahneman, Tversky, Thaler, and Shefrin. Although the book lacks formal empirical methodology, its narrative-driven approach effectively communicates complex financial ideas to a broad audience. The review also highlights the pedagogical value of the book and its relevance to personal finance education. Limitations regarding academic rigor and global applicability are discussed. Overall, the review underscores the importance of incorporating behavioral perspectives into financial decision-making.

Peningkatan Kinerja Berdasarkan Inovasi Teknologi yang mendorong Human Resources Information Sistem Sukses dan Komitmen Afektif (Studi pada PT. Bank X Tbk)

Wasi Bagasworo, SE., MM., Arief Hidayat — Mon, 29 Dec 2025 00:00:00 +0000

Penelitian ini bertujuan untuk menguji dan menganalisa Peningkatan Kinerja Berdasarkan Inovasi Teknologi yang mendorong Human Resources Information System Success melalui Komitmen Afektif sebagai variabel intervening. Variabel independent pada penelitian ini adalah Inovasi Karyawan dan Human Resources Information System, variabel dependent adalah Kinerja Karyawan. Sedangkan untuk variabel intervening adalah Komitmen Afektif.

Penelitian ini dilakukan di PT. Bank X Tbk dengan jumlah sampel sebanyak 44 karyawan. Pemilihan sampel dalam penelitian ini menggunakan sampel jenuh, dimana seluruh sampel sebagai sumber informasi. Teknik pengolahan data yang digunakan adalah Model Partial Laest Square (PLS).

Hasil penelitian ini menunjukkan bahwa : 1) inovasi karyawan berpengaruh positif dan signifikan terhadap komitmen afektir, 2) Human resources information system berpengaruh positif dan signifikan terhadap komitmen afektir, 3) Inovasi karyawan berpengaruh positif dan signifikan terhadap kinerja karyawan, 4) Human resources information system tidak berpengaruh terhadap kinerja karyawan, 5) Komitmen afektir berpengaruh positif dan signifikan terhadap kinerja karyawan, 6) Inovasi karyawan berpengaruh positif dan signifikan terhadap kinerja karyawan melalui komitmen afektir, 7) Human resources information system tidak berpengaruh terhadap kinerja karyawan melalui komitmen afektif.

Pengaruh Organization Culture Dan Komitmen Organisasi Terhadap Employee Performance Dimoderasi Motivasi Individu

James Jacky Wayoi, Antyo Pracoyo, Enny Haryanti, Subarjo Joyosumarto — Mon, 29 Dec 2025 00:00:00 +0000

This study examines the effect of organizational culture and organizational commitment on employee performance, with individual motivation as a moderating variable at PT. Bank Papua Biak Branch. The population consisted of 57 employees, including permanent, contract (PKWT), and interns, with sampling conducted using a non-probability technique. Data were analyzed using Moderated Regression Analysis (MRA). Results show that organizational culture has a positive and significant effect on employee performance, indicating that stronger culture leads to higher performance. Meanwhile, organizational commitment has a positive but insignificant effect, suggesting that commitment alone is not sufficient to improve outcomes. Individual motivation strengthens the link between culture and performance, as motivated employees reinforce the role of culture in enhancing results. However, motivation does not moderate the relationship between commitment and performance. Based on these findings, management is advised to reinforce organizational culture through training, value dissemination, and exemplary leadership. Organizational commitment can be improved through participatory management, while motivation should be supported by fair rewards, career opportunities, recognition, and a positive work environment. Future studies are encouraged to explore other moderating variables, such as job satisfaction, organizational climate, or leadership style, for more comprehensive insights.