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All Journal Jurnal Minds:Manajemen Ide dan Inspirasi Abdimas Dewantara JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi) Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Premium: Insurance Business Journal Journal of Innovation Research and Knowledge Asian Journal of Social and Humanities
Bahtiar Usman
Universitas Trisakti
Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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Determinants of Bank Performance in Indonesia Bahtiar Usman; Henny Setyo Lestari
Jurnal Minds: Manajemen Ide dan Inspirasi Vol 6 No 2 (2019): December
Publisher : Management Department, Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/minds.v6i2.11282

Abstract

This study aims to examine the determinants of commercial banks’ performances in Indonesia in the period 2008-2017 by their return on assets. Capital adequacy, asset quality, management efficiency and liquidity, and gross domestic product functioned as the predictors. The sample of this study was 25 conventional banks meeting the criteria of the purposive sampling method. The panel data with Eviews shows that asset quality has a negative effect and management efficiency has a positive impact on bank performance. Capital adequacy, liquidity, and gross domestic product growth rate do not affect the bank's performance. Managers need to tighten lending, carry out credit restructuring and manage the balance between assets and liabilities and, supervise credit.
ANALISA FAKTOR-FAKTOR KEPUASAN MITRA KERJA SAMA PADA PROGRAM DOKTOR ILMU EKONOMI UNIVERSITAS TRISAKTI Ayu Ekasari; Bahtiar Usman; Lucy Warsindah
Premium Insurance Business Journal Vol. 9 No. 1 (2022): PREMIUM INSURANCE BUSINESS JOURNAL
Publisher : Pusat Penelitian dan Pengabdian Kepada Masyarakat Sekolah Tinggi Manajemen Asuransi Trisakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35904/premium.v9i1.26

Abstract

This study aims to analyze the factors that determine the satisfaction of partners in Doctoral Programs in Economics, Universitas Trisakti. The population of this study consists of thirty-six institutions/groups that have been actively involved in some activities with the Doctoral Programs in Economics, Universitas Trisakti. The data collection method is a survey by distributing questionnaires to all members of the population. The data is analyzed using the mean score taken from the results of statistic descriptive. Results show that on average the partners are satisfied with the cooperation that has been established. The contribution of this research is to provide inputs for the Doctoral Programs in Economics, Universitas Trisakti. in maintaining and improving factors that influence partners' satisfaction. From an academic perspective, this research expands the domain of relationship marketing which has been dominated by customer satisfaction. The weakness of this research is the use of descriptive statistics. Future research can explore other factors that influence partner satisfaction and use importance-performance analysis to analyze the data.
Testing for break-even effect in the indonesian capital market Yohanis Yohanis; Farah Margaretha; Bahtiar Usman
Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Vol. 4 No. 11 (2022): Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan
Publisher : Departement Of Accounting, Indonesian Cooperative Institute, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (586.098 KB) | DOI: 10.32670/fairvalue.v4i11.2100

Abstract

This study aims to find out whether investors experience  a break-even  effect. The research  method used in this study was the Leal et al. (2017) method to find the break-even  effect. The results show a break-even  effect  in several  years,  2012  and  2015.  This means  that  only in those  two  years  did individual  investors  experience   a  break-even   effect  as  indicated  by  the  Proportion   of  Winners Additionally Purchased (PWAP), which was more significant than the Proportion of Losers Additionally Purchased (PLAP). The limitation of the research  is that there  are still several other methods that can be developed to find the break-even  effect. Bullish and bearish market  conditions are also expected to influence investors' decisions. The research implication for securities companies and capital market authorities is that  it is necessary  to support  individual customers through  education to avoid these two effects. Investors need to be aware of the break-even  effect. Research on individual investors is still minimal. In addition, it uses a sample of secondary  data from individual investor transactions to find the relatively new break-even  effect on the Indonesia Stock Exchange.
Pengaruh corporate governance, perspektif fraud triangle, income smoothing dan karakteristik perusahaan terhadap fraud pada perusahaan manufaktur di Indonesia Ismail Wardhana; Bahtiar Usman
Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Vol. 5 No. 2 (2022): Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan
Publisher : Departement Of Accounting, Indonesian Cooperative Institute, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (379.88 KB) | DOI: 10.32670/fairvalue.v5i2.2316

Abstract

The problems contained in this study are cases of fraud or fraud that still occur in companies listed on the Indonesia Stock Exchange. Corporate governance is considered as a solution to improve internal control so that it can reduce the number of fraud in the company. The purpose of this study is to analyze the effect of corporate governance, the motivation that arises through the fraud triangle theory, income smoothing, and company characteristics against fraud in companies engaged in the manufacturing sector listed on the Indonesia Stock Exchange. The research methodology used in this study is purposive sampling which produces 33 samples of companies for 5 years of research in the 2017-2021 period. The research model uses a panel of regression data that is processed using E-Views. The findings and contributions of this study are that corporate governance has a significant negative effect on fraud, income smoothing has a significant positive effect on fraud and company age has a significant negative effect on fraud. Meanwhile, the motivation to commit fraud described by the fraud triangle theory and firm size has no significant effect on fraud. The implications of this study are useful for management to determine areas that affect strengthening corporate governance in companies, reduce management aggressiveness in income smoothing actions and find out whether the level of debt ratios and changes in external auditors can increase motivation to commit fraud.
PENGARUH LITERASI KEUANGAN & PENGHINDARAN RISIKO TERHADAP KEPUTUSAN INVESTASI DENGAN LOCUS OF CONTROL SEBAGAI VARIABEL MODERASI DI DKI JAKARTA Sheny Gatrie Slamet Putrie; Bahtiar Usman
JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi). Vol 9 No 2 (2022): JMBI UNSRAT Volume 9 Nomor 2
Publisher : FEB Universitas Sam Ratulangi Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35794/jmbi.v9i2.43131

Abstract

Abstract. At the time, most of the Indonesian people until now are investing heavily for the study period in meeting all needs and fulfilling and fulfilling the needs of life. The purpose of this research is to test and obtain empirical evidence related to the factors that influence a person in making investment decisions. The sample in this study amounted to 200 respondents. The sample obtained through the distribution of research questionnaires, the data used in this study is primary data with qualitative methods and analyzed using SEM (Structural Equation Modeling) analysis. The results of the study prove that financial literacy, risk adversion and locus of control have a positive effect on financial decisions, furthermore that locus of control can strengthen the influence of financial literacy on financial decisions and locus of control can strengthen the influence of risk adversion on financial decisions. Suggestions for further research are expected to be able to develop empirical and behavioral theories related to the field of financial management. The suggested variable for future research is satisfaction (financial satisfaction) in the behavior of individual investment decisions. The managerial implication of this research is to assist investors in making decisions to invest or invest in stocks so that there is more knowledge about how these investors make decisions based on their knowledge.Abstrak. Pada zaman sekarang sebagian besar masyarakat Indonesia sampai saat ini sedang melakukan investasi untuk masa depannya dalam memenuhi semua kebutuhan serta kecukupan dan kelayakan dalam melangsungkan kehidupannya. Tujuan penelitian adalah menguji dan memperoleh bukti empiris terkait faktor-faktor yang mempengaruhi pengetahuan seseorang dalam pengambilan keputusan dalam berinvestasi. Sampel dalam penelitian ini berjumlah 200 responden. Sampel diperoleh melalui penyebaran kuisioner penelitian, data yang digunakan dalam penelitian ini adalah data primer dengan metode kualitatif dan dianalisis menggunakan analisis SEM (Stuctural Equation Modeling). Hasil Penelitian membuktikan bahwa Financial literacy, Risk Adversion dan Locus of Control berpengaruh positif terhadap Financial Decision, selanjutnya bahwa Locus of Control dapat memperkuat pengaruh antara Financial Literacy terhadap Financial Decision dan Locus of Control dapat memperkuat pengaruh antara Risk Adversion terhadap Financial Decision. Saran untuk penelitian selanjutnya yaitu diharapkan mampu untuk mengembangkan empiris dan teori mengenai perilaku terkait bidang ilmu manajemen keuangan. Variabel yang disarankan untuk penelitian di masa depan adalah kepuasan keuangan (financial satisfaction) dalam perilaku keputusan investasi individu. Implikasi Manajerial dari penelitian ini adalah membantu investor dalam hal pengambilan keputusan untuk melakukan penanaman saham atau investasi didalam perusahaan sehingga semakin banyak perusahaan yang mempunya pengetahuan tentang bagaimana investor tersebut mengambil keputusan atas dasar pengetahuan yang dimiliki.
KEPUASAN DAN LOYALITAS MITRA KERJA SAMA PADA PROGRAM DOKTOR ILMU EKONOMI FAKULTAS EKONOMI DAN BISNIS UNIVERSITAS TRISAKTI Bahtiar Usman; Ayu Ekasari
Journal of Innovation Research and Knowledge Vol. 2 No. 4: September 2022
Publisher : Bajang Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Penelitian institusional ini bertujuan menganalisa faktor-faktor yang membentuk kepuasan dan loyalitas Mitra kerja sama pada Program Doktor Ilmu Ekonomi Fakultas Ekonomi dan Bisnis Universitas Trisakti. Penelitian ini bersifat deskriptif dengan metode pengumpulan data berupa survey yang disebarkan kepada populasi, yaitu tiga puluh enam Mitra. Data dianalisa menggunakan statistic deskriptif dengan melihat angka mean untuk setiap indicator. Hasil analisa data menunjukkan Mitra puas dengan kerja sama yang terjalin dan berniat melanjutkan kembali kerja sama, yang berarti Mitra loyal dengan PDIE terkait program kerja sama. Penelitian ini termasuk penelitian yang orisinal, karena sejauh ini masih jarang dijumpai penelitian yang menganalisa kepuasan mitra kerja sama di lingkup perguruan tinggi. Hasil penelitian ini bisa menjadi masukan bagi pengelola Program Studi untuk merancang program kerja sama yang menguntungkan kedua belah pihak dan bermanfaat dalam jangka panjang.
Pemanfaatan financial technology dan aplikasi smartphone dalam meningkatkan usaha mikro dan kecil pada era pandemi covid-19 di Kelurahan Mustikajaya Soeharjoto Soekapdjo; Syofriza Syofyan; Bahtiar Usman; Lydia Rosintan Simanjuntak; Debbie Aryani Tribudhi
ABDIMAS DEWANTARA Vol 5 No 2 (2022)
Publisher : Universitas Sarjanawiyata Tamansiswa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30738/ad.v5i2.10307

Abstract

The Covid-19 pandemic had an impact on health which ultimately resulted in major changes in consumption behavior and industrial revolution 4.0 acceleration, thus lowering people's incomes. Purpose of this community service is to improve micro and small businesses in facing economic impact of the Covid-19 pandemic in Mustikajaya Village. Community service team provides education and training in financial technology and optimizes utilization of  applications on smartphones. This activity, improving partners knowledge and insights to the source of funds, financial administration, production, distribution and marketing based online by using applications on smartphones, in the form of Instagram, Whats App, smart cashiers and Canva. After the implementation of this program, it can increase knowledge and insight financial technology to 79 percent and skills using smartphone applications to 82 percent. Successful community service achievement makes partners more motivated to develop micro and small businesses. Further community service activities, need to be conducted continuously with various themes and increase the duration of the meeting.
PENGARUH LITERASI KEUANGAN, PERILAKU KEUANGAN DAN INTENSI STRATEGI PENSIUN TERHADAP PERENCANAAN PENSIUN PADA KARYAWAN DI JABODETABEK Firstina Nur Fadilla; Bahtiar Usman
JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi). Vol 9 No 3 (2022): JMBI UNSRAT Volume 9 Nomor 3
Publisher : FEB Universitas Sam Ratulangi Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35794/jmbi.v9i3.43152

Abstract

Penelitian ini bertujuan untuk menguji dan menganalisis pengaruh literasi keuangan, sikap keuangan, financial well-being, perilaku keuangan, dan intensi strategi pensiun terhadap perencanaan pensiun. Objek dari penelitian ini adalah karyawan aktif yang berada dan bekerja di wilayah Jabodetabek. Dalam penelitian ini, metode pengumpulan data menggunakan data primer yang bersumber dari jawaban kuisioner yang dibagikan kepada responden. Metode penentuan sampel yang digunakan adalah purposive sampling dengan kriteria tertentu yaitu karyawan aktif yang masih bekerja baik di instansi pemerintah maupun swasta. Dengan rentang usia 20 - 60 tahun dan berdomisili di jabodetabek. Respoden yang berpartisipasi dalam penelitian ini sebanyak 350 responden dengan hasil penelitian menunjukkan bahwa terdapat pengaruh antara Literasi Keuangan terhadap Perencanaan Pensiun, dan variabel Financial Well-being, Perilaku keuangan, dan Intensi Strategi Pensiun terbukti memiliki pegaruh signifikan terhadap Perencanaan Pensiun. Hasil penelitian ini memberikan informasi bahwa seseorang yang memiliki literasi keuangan yang tinggi memiliki keterlibatan yang lebih baik dalam perencanaan pensiun, yang menunjukkan hubungan positif dengan pengambilan keputusan keuangan. Selain itu, orang dengan Financial Well-being yang lebih baik, lebih bersedia untuk memiliki rencana keuangan jangka panjang dan mau berpartisipasi untuk menyiasati perencanaan pensiun mereka.Kata Kunci: Literasi Keuangan, financial well-being, perilaku keuangan, perencanaan pensiun
Analysis of the Influence of Governance and Social Responsibility (CSR) on Performance and Savings and Loans Welfare Cooperative Sri Rejeki; Bahtiar Usman
Asian Journal of Social and Humanities Vol. 2 No. 4 (2023): Asian Journal of Social and Humanities
Publisher : Pelopor Publikasi Akademika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59888/ajosh.v2i4.216

Abstract

This research aims to determine the welfare of cooperative members through governance and social responsibility (CSR) variables. The research objects are the Bererod Gratia Savings and Loans Cooperative and the Madani Savings and Loans Cooperative. Samples were taken from cooperative members who had been members of the cooperative for 3 years or more. The research uses a qualitative approach to analyze the results of the questionnaire. Analysis was carried out using content analysis. Primary data was obtained from the results of interviews and questionnaires announced to respondents. Meanwhile, secondary data was taken from the 2020-2022 Annual Member Meeting Report. The questionnaire concluded that the welfare of cooperatives depends on good, professional and sustainable governance and social responsibility (CSR). Good Corporate Governance is manifested in transparency, accountability, responsibility, independence, equality and fairness in every financial transaction, level of management commitment, quality of cooperative performance, and decision making that involves all members. Research also shows the responsibility of social cooperatives for the welfare of members and the surrounding community which has a positive influence in the form of social, economic, environmental, law-abiding, and education-health. Finally, research shows that professional quality performance by having work motivation, good financial freedom, a conducive work environment, opportunities for self-development, a strong collaborative team, and sustainable financial stability can help the welfare of cooperative members and the desire for cooperatives. The research results show that both cooperatives have succeeded in promoting the welfare of their members. Suggestions for further research include research on other cooperatives. not limited to just two cooperatives and with a wider working area coverage.
The Effect of Organizational Ambidexterity, Innovation Capability and Leadership Competencies On Business Peformance Mediated Competitive Advantage In Software House Industry Employees In Indonesia Triyani Triyani; Bahtiar Usman; Deasy Aseanty
Asian Journal of Social and Humanities Vol. 2 No. 8 (2024): Asian Journal of Social and Humanities
Publisher : Pelopor Publikasi Akademika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59888/ajosh.v2i8.307

Abstract

The purpose of this study is to find out the effect of organizational ambidexterity, innovation capability and leadership competencies on business peformance mediated competitive advantage. In order to maintain business continuity, the software house must be able to improve its business performance. While previous research identified factors that impact business performance in various sectors, this study focuses on how internal organizational factors are in the software house. This study uses a quantitative approach, where the variables to be observed are quantified through an operational definition process. Data of 540 respondents was collected from 18 large-scale software in Indonesia. There are 10 hypotheses developed and tested using structural equation modeling. The results showed that organizational ambidexterity, innovation capability and leadership competencies had a significant effect on business performance and competitive advantage showed a positive and significant mediation influence in the model. The results also provide specific measurement of competitive advantage in the software house industry, managerial implications and suggestions for further research.
Co-Authors Aseanty, Deasy Ayu Ekasari Ayu Ekasari Debbie Aryani Tribudhi FARAH MARGARETHA Firstina Nur Fadilla HENNY SETYO LESTARI Ismail Wardhana Lucy Warsindah Lydia Rosintan Simanjuntak Sheny Gatrie Slamet Putrie Soeharjoto Soekapdjo Sri Rejeki Syofriza Syofyan Triyani Triyani Yohanis Yohanis