https://ojs.unikom.ac.id/index.php/jika/issue/feed Jurnal Ilmu Keuangan dan Perbankan (JIKA) 2019-09-18T18:09:09+07:00 Arjuna Rizaldi arjuna.rizaldi@email.unikom.ac.id Open Journal Systems <table style="height: 464px;" width="703"> <tbody> <tr> <td align="left" valign="top"> <p><img src="/public/site/images/adminfdk/Covertabligh2.png" alt="" width="229" height="337"></p> </td> <td style="width: 50px;"><img src="/public/site/images/arjuna/JIKA_8.2_-_COVER_.jpg"></td> <td align="left" valign="top"> <p><strong>Jurnal Ilmu Keuangan dan Perbankan (JIKA)&nbsp;</strong>is an academic journal published two times annually&nbsp; (December - June) by the Program of Finance and&nbsp; Banking (Program Studi Keuangan dan Perbankan,&nbsp; Fakultas Ekonomi dan Bisnis) Universitas Komputer&nbsp; Indonesia.</p> <p>This journal publishes original researches in multi concepts, theories, perspectives, paradigms and methodologies on Finance, Banking and Financial&nbsp; Institutions.</p> <p>Specific topics of interest include (but are not confined&nbsp; to):</p> <ol> <li class="show">Finance</li> <li class="show">Banking Management</li> <li class="show">Management Accounting</li> <li class="show">Business Economics</li> <li class="show">Banking Management</li> <li class="show">Cooperative Management</li> <li class="show">Insurance Management</li> <li class="show">Other Financial Institutions Management</li> <li class="show">Financial Technology</li> </ol> <p><em>&nbsp;</em><a href="http://issn.pdii.lipi.go.id/issn.cgi?daftar&amp;1546917012&amp;1&amp;&amp;" target="_blank" rel="noopener">E-ISSN:&nbsp;2655-9234</a></p> <p>&nbsp;<a href="http://issn.pdii.lipi.go.id/issn.cgi?daftar&amp;1428994073&amp;1&amp;&amp;" target="_blank" rel="noopener">P-ISSN:&nbsp;2089-2845</a></p> </td> </tr> </tbody> </table> <p>Any submitted paper will be reviewed by reviewers. The review process employs a double-blind review that the reviewer does not know the identity of the author, and the author does not know the identity of the reviewers.</p> <p><strong>Jurnal Ilmu Keuangan dan Perbankan (JIKA)&nbsp;</strong>indexed by:</p> <p><a href="https://scholar.google.co.id/citations?user=v7C80LEAAAAJ&amp;hl=en&amp;authuser=2" target="_blank" rel="noopener"><img src="/public/site/images/arjuna/googlescholar11.png"></a><a href="http://garuda.ristekdikti.go.id/journal/view/14051" target="_blank" rel="noopener"><img src="/public/site/images/arjuna/Garuda.png"></a><a href="https://www.base-search.net/Search/Results?type=all&amp;lookfor=jurnal+ilmu+keuangan+dan+perbankan&amp;ling=1&amp;oaboost=1&amp;name=&amp;thes=&amp;refid=dcresen&amp;newsearch=1" target="_blank" rel="noopener"><img src="/public/site/images/arjuna/Base_(1)2.jpg" width="221" height="77"></a><a href="http://onesearch.id/Search/Results?lookfor=Jurnal+Ilmu+Keuangan+dan+Perbankan&amp;type=AllFields&amp;limit=20&amp;sort=relevance" target="_blank" rel="noopener"><img src="/public/site/images/arjuna/onesearch5.png"></a></p> https://ojs.unikom.ac.id/index.php/jika/article/view/1917 ANALISIS KEPUTUSAN KREDIT BERDASARKAN LAPORAN KEUANGAN CALON DEBITUR 2019-09-18T18:09:09+07:00 Suryanto Suryanto suryanto@unpad.ac.id Ratna Meisa Dai ratna.meisa.dai@unpad.ac.id <p><strong><em>ABSTRACT</em></strong></p> <p><em>The purpose of this study is to examine the effect of debtor financial ratios on lending decisions at Bank bjb. This study uses a quantitative approach to the type of verification research. The sample in this study were debtors who applied for credit to the bank as many as 30 debtors. The analysis technique in this study uses a logistic regression model. The results of the study show that there are 3 models in determining credit decisions to prospective debtors at Bank BJB. The first model, those credit decisions as a whole are influenced by the current ratio, total asset turnover and net profit margin of 80.5%. The second model, overall credit decisions are influenced by the quick ratio, total asset turnover and net profit margin of 77.7%. The third model is that credit decisions are influenced by total asset turnover, debt to asset ratio and the net profit margin of 77.4%. Partially, the effect of the current ratio variable, quick ratio, total asset turnover and net profit margin on credit decisions is positive. However, the variable debt to asset ratio has a negative influence on credit decisions.</em></p> <p><strong><em>Keywords: </em></strong><em>financial ratios, debtors, credit decisions, logistic regression</em></p> <p>&nbsp;</p> <p><strong>ABSTRAK</strong></p> <p>Tujuan dari penelitian ini adalah untuk menguji pengaruh rasio keuangan debitur terhadap keputusan pemberian kredit pada Bank bjb. Penelitian ini menggunakan pendekatan kuantitatif dengan jenis penelitian verifikatif. Sampel dalam penelitian ini adalah debitur yang mengajukan permohonan kredit kepada pihak bank sebanyak 30 debitur. Teknik analisis dalam penelitian ini menggunakan model regresi logistic. Hasil penelitian menunjukkan bahwa ada 3 model dalam menentukan keputusan kredit kepada calon debitur di Bank bjb. Model pertama, bahwa keputusan kredit secara keseluruhan dipengaruhi oleh <em>current ratio, total asset turnover</em> dan <em>net profit margin</em> sebesar 80,5%. Model kedua, keputusan kredit secara keseluruhan dipengaruhi oleh <em>quick ratio, total asset turnover</em> dan <em>net profit margin </em>sebesar 77,7%.. Model ketiga bahwa keputusan kredit dipengaruhi <em>total asset turnover, debt to asset ratio </em>dan <em>net profit margin </em>sebesar 77,4%. Secara parsial, pengaruh variabel <em>current ratio, quick ratio, total asset turnover</em> dan <em>net profit margin</em> terhadap keputusan kredit adalah positif. Namun, variabel <em>debt to asset ratio</em> mempunyai pengaruh yang negatif terhadap keputusan kredit.</p> <p><strong>Kata kunci:</strong> ratio keuangan, debitur, keputusan kredit, regresi logistik</p> 2019-07-30T00:00:00+07:00 ##submission.copyrightStatement## https://ojs.unikom.ac.id/index.php/jika/article/view/1918 PENGARUH NET INTEREST MARGIN DAN NON PERFORMING LOAN TERHADAP RETURN ON ASSETS 2019-09-18T18:09:07+07:00 Erwin Budianto erwinbudianto2@gmail.com Siti Romlah erwinbudianto2@gmail.com <p><em>This study to determine the effect and analyze of the Net Interest Margin and Non Performing Loan partial influence on Return on Assets banking companies in Indonesia Stock Exchange. The approach taken in this research is quantitative and associative approach. The population in this </em><em>research</em><em> are all banking go public companies listed in Indonesia Stock Exchange which amounted to 43 companies. The sample in this research is 7 companies. The independent variables used in this study are Net Interest Margin and Non Performing Loan and dependent variable is Return on Assets Data collection techniques using documentation. The method of analysis used is the normality test, the classical assumption test, simple linear regression test, hypothesis test and coefficient of determination. Data processing in this study using Software </em>SPSS (<em>Statistic Package for the Social Scien</em>) 25 <em>for window. The results show that partially, Net Interest Margin has an effect on Return on Assets. While Non Performing Loan has no effect on Return on Assets</em><em>.</em><em>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </em></p> <p><strong><em>Keywords : </em></strong><em>Net Interest Margin, Non Performing Loan, Return on Assets</em></p> 2019-07-30T00:00:00+07:00 ##submission.copyrightStatement## https://ojs.unikom.ac.id/index.php/jika/article/view/1925 EMPLOYER BRANDING PERSEPSIAN TERHADAP KEPERCAYAN PEMIMPIN DAN DAMPAKNYA PADA INTENSI KELUAR 2019-09-18T18:09:06+07:00 Ria Marginingsih ria.marginingsih@gmail.com Dani Irawan ria.marginingsih@gmail.com <p><strong><em>ABSTRACT</em></strong></p> <p><em>This study aims to see the influence of employer branding on the exit intention of bank employees in Indonesia which is mediated by trust in leaders. In particular, this study tries to identify how the influence of employer perceived branding on outgoing intentions? Does the employee's trust in the leader affect the intention to leave? How does the influence of employer branding perceptions on outgoing intentions mediated by employee trust in the leader? The population of this study is bank employees who work in groups of state-owned commercial banks, groups of regional government-owned banks, groups of private-owned commercial banks. The sample in this study uses non probability sampling, with the sample is that employees have worked at least one year. For hypothesis testing, this study uses SmartPLS analysis with Likert scale measurement points one (strongly disagree) up to five points (strongly agree). The results of the study of 88 respondents of Bank employees in Indonesia showed that employer branding against intention to leave had a negative and insignificant effect, the influence of employer branding on trust in leaders was positive and significant, the trustworthiness of leaders towards intention was positive and significant, and employer perceived branding towards intention out which is mediated by employee trust in leaders is influential and significant.</em></p> <p><strong><em>Keywords</em>: </strong><em>Employer Branding, </em>Intensi Keluar, Kepercayaan pada Pemimpin, Retensi</p> 2019-07-30T14:06:40+07:00 ##submission.copyrightStatement## https://ojs.unikom.ac.id/index.php/jika/article/view/1926 PENGARUH PERPUTARAN TOTAL ASET (TATO) DAN TINGKAT PENGEMBALIAN EKUITAS (ROE) TERHADAP HARGA SAHAM PADA PERUSAHAAN SEKTOR TEKSTIL DAN GARMEN YANG TERDAFTAR DI BURSA EFEK INDONESIA 2019-09-18T18:09:04+07:00 Ade Prima adeprima88@gmail.com Linna Ismawati adeprima88@gmail.com <p><em>This study aims to determine the development of Total Asset Turnover (TATO) and Equity Return Rate (ROE) on Stock Prices and analyze how much influence the Total Asset Turnover (TATO) and Equity Return Rate (ROE) on Stock Prices are partially and simultaneously in the Textile and Garment Sub-sector company for the period 2012-2016.&nbsp;</em><em>The method used in this research is descriptive verification method with a quantitative approach. The sample used in this study is the financial statements per year 2012-2016, as many as 30 samples. The statistical test used is multiple linear regression analysis, classical assumption test, correlation analysis, determination coefficient, and hypothesis testing using SPSS Statistics 17.0.&nbsp;</em><em>The results showed that partially the Total Asset Turnover (TATO) had a significant effect on the Stock Price, Equity Return Rate (ROE) had a significant effect on the Share Price and simultaneously Total Asset Turnover (TATO) and Equity Return Rate (ROE) had a significant effect on Stock Prices.</em></p> <p><strong><em>Keywords:</em></strong><em> Total Asset Turnover (TATO), Equity Return Rate (ROE), and Stock Price</em></p> <p>Penelitian ini bertujuan untuk mengetahui perkembangan Perputaran Total Aset (TATO) dan Tingkat Pengembalian Ekuitas (ROE) terhadap Harga Saham serta menganalisis seberapa besar pengaruh Perputaran Total Aset (TATO) dan Tingkat Pengembalian Ekuitas (ROE) terhadap Harga Saham baik secara parsial maupun secara simultan pada perusahaan Sub Sektor Tekstil dan Garment periode 2012-2016. Metode yang digunakan dalam penelitian ini adalah metode deskriptif verifikatif dengan pendekatan kuantitatif. Sampel yang digunakan dalam penelitian ini yaitu laporan keuangan per tahun 2012-2016, sebanyak 30 sampel. Pengujian statistik yang digunakan adalah analisis regresi linier berganda, uji asumsi klasik, analisis korelasi, koefisien determinasi, serta pengujian hipotesis dengan menggunakan SPSS Statistics 17.0. Hasil penelitian menunjukkan bahwa secara parsial Perputaran Total Aset (TATO) berpengaruh signifikan terhadap Harga Saham, Tingkat Pengembalian Ekuitas (ROE) berpengaruh signifikan terhadap Harga Saham dan secara simultan Perputaran Total Aset (TATO) dan Tingkat Pengembalian Ekuitas (ROE) berpengaruh signifikan terhadap Harga Saham.</p> <p><strong>&nbsp;</strong><strong>Kata Kunci: </strong>Perputaran Total Aset, Tingkat Pengembalian Ekuitas, Harga Saham <strong>.</strong></p> 2019-07-30T14:10:04+07:00 ##submission.copyrightStatement## https://ojs.unikom.ac.id/index.php/jika/article/view/1932 MODEL LITERASI KEUANGAN DALAM MENINGKATKAN PENGELOLAAN KEUANGAN PADA PENGUSAHA OLAHAN SUSU CIPAGERAN DI KOTA CIMAHI 2019-09-18T18:09:03+07:00 Ratna Meisa Dai ratna.meisa.dai@unpad.ac.id Suryanto Suryanto suryanto@unpad.ac.id <p><em>This </em><em>research</em><em> aims to determine the effect of financial literacy on financial management in Cipageran Cimahi milk processing business owners. The sample in this </em><em>research</em><em> was all milk processing center entrepreneurs in Cipageran Cimahi with turnover above 10 million / month. This study uses a quantitative approach to the type of verification research. The data used in this </em><em>research</em><em> are primary results of questionnaires. The results of this </em><em>research</em><em> indicate financial literacy has a positive effect on financial management in Cipageran Cimahi milk processing business owners. Most business owners have known the importance of financial literacy, but they have not implemented it in their business activities.</em></p> <p><strong>Keywords: </strong><em>financial literacy</em>, <em>financial management</em></p> <p>&nbsp;</p> <p>Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan terhadap pengelolaan keuangan pada pemilik usaha olahan susu Cipageran Cimahi. Sampel dalam penelitian ini yakni seluruh pengusaha sentra olahan susu di Cipageran Cimahi dengan omset diatas 10 juta/bulan.&nbsp; Penelitian ini menggunakan pendekatan kuantitaif dengan jenis penelitian verifikatif. Data yang digunakan dalam penelitian ini adalah primer hasil dari penyebaran kuesioner. Hasil penelitian ini menunjukkan literasi keuangan berpengaruh positif terhadap pengelolaan keuangan pada pemilik usaha olahan susu Cipageran Cimahi. Sebagian besar pemilik usaha telah mengetahui pentingnya literasi keuangan, namun mereka belum menerapkannya dalam kegiatan usaha mereka. &nbsp;</p> <p><strong>Kata kunci: </strong>literasi keuangan, pengelolaan keuangan.</p> 2019-07-30T14:12:40+07:00 ##submission.copyrightStatement## https://ojs.unikom.ac.id/index.php/jika/article/view/1933 LABA BERSIH DAN KEBIJAKAN HUTANG SERTA DAMPAKNYA TERHADAP KEBIJAKAN DEVIDEN 2019-09-18T18:09:01+07:00 Sopi Sopiati sopiati24@ymail.com Windi Novianti windi.novianti@email.unikom.ac.id <p><em>This research was conducted in Property and Real Estate companies listed on the Indonesian Stock Exchange </em>(IDX)<em>. The purpose of this study is to develop how much influence the net income and debt policy, as measured by debt to equity ratio </em>(DER)<em> partially and simultaneously on dividend policy as measured by the dividend payout ratio </em>(DPR).&nbsp;<em>The method used in this research is descriptive method verification with quantitative approach. The sample used in this study is the annual financial statements 2010 - 2014 as many as 30 samples. The test statistic used is multiple linear regression analysis, the classical assumption test, analysis of the correlation coefficient, determination coefficient and hypothesis testing using SPSS V.20.00 for windows.&nbsp;</em><em>Results of the analysis showed that the net income positive effect on dividend policy </em>(DPR),<em> debt policy </em>(DER) <em>a negative effect on dividend policy </em>(DPR),<em> net income and debt policy </em>(DER)<em> and simultaneous partial effect on dividend policy </em>(DPR).</p> <p><strong><em>Keywords</em></strong><em> : net income, debt policy</em>, <em>dividend policy</em></p> 2019-07-30T14:14:59+07:00 ##submission.copyrightStatement##