Dr. Devy Mawarnie Puspitasari, S.E., M.M | University of Mercu Buana Jakarta (original) (raw)

Papers by Dr. Devy Mawarnie Puspitasari, S.E., M.M

KAIBON ABHINAYA : JURNAL PENGABDIAN MASYARAKAT

Starting from the health crisis, the Covid-19 pandemic has had a domino effect on social, economi... more Starting from the health crisis, the Covid-19 pandemic has had a domino effect on social, economic and financial aspects. The economy experienced a slowdown in line with the decline in people's purchasing power due to decreased income, no income and economic activity. Various efforts were made by the government to restore the national economy by adopting comprehensive fiscal and monetary policies. The government also allocates APBN funds for economic recovery up to Rp. 695.2 Trillion. The economic recovery began to grow from the banking sector with assets of 15.6% (yoy) in May 2021 until the Islamic capital market recorded 9.3% investor growth in the first quarter of 2021. Understanding of Islamic banking products in the community that is not yet optimal requires socialization of understanding of banking products Sharia in the new normal era. It is hoped that through socialization it can increase public literacy to accelerate economic recovery through Islamic financial products....

JIIP - Jurnal Ilmiah Ilmu Pendidikan

Penelitian ini bertujuan untuk mengidentifikasi faktor penentu ketahanan bank di masa pandemi, kh... more Penelitian ini bertujuan untuk mengidentifikasi faktor penentu ketahanan bank di masa pandemi, khususnya pada Bank Perkreditan Rakyat. Data yang digunakan merupakan data bulanan periode Januari 2019 sampai dengan 2021 sebagai sampel desain dan periode 2021 sebagai sampel validasi. Dengan analisis regresi logistik diperoleh hasil bahwa capital adequacy ratio, net interest margin, return on asset, cash ratio dan loan to deposit ratio memiliki pengaruh positif signifikan terhadap ketahanan bank. Sementara itu, non performing loan, biaya operasional terhadap pendapatan operasional, deposit to capital ratio berpengaruh negatif signifikan terhadap ketahanan bank. Sedangkan, off balanced ratio tidak memiliki pengaruh signifikan terhadap ketahanan bank. Studi ini menegaskan bahwa BPR perlu menyempurnakan strategi pengelolaan bisnisnya termasuk yang terkait dengan dana pihak ketiga dalam menjalankan fungsi intermediasinya dan efisiensi bisnis. BPR memerlukan model prediksi ketahanan bank khu...

Ethic and personality are two important things for a business organization. In terms of work plac... more Ethic and personality are two important things for a business organization. In terms of work place, it is important to know that someone who workid' at personal selling (salespeople) sometimes violates the moral and ethical dimensions of their profession. This is the reason why the study aimed to examine the differences in business ethi~al"~erce~tions between salespeople and the prospective personal selling people(e.g. business students) and to compare their perceptions based on gender differences. 200 samples participated in this study, and a number of hypotheses have been tested empirically. Results of the study indicate that gender differences differ in the four dimensions of ethics, namely: moral development, ethical value system, sensitivity to ethical issues, and ethical behavior. However, in general, empirical results showed no differences in gender for the examination of ethical behavior. Interesting finding showed that there are significant differences in perceptions of business ethics and personality between business students and people who have already work personal selling.

Diklat Review : Jurnal manajemen pendidikan dan pelatihan

Aktivitas di pasar modal dalam tiga tahun terakhir didominasi oleh Generasi Z. Namun, Generasi Z ... more Aktivitas di pasar modal dalam tiga tahun terakhir didominasi oleh Generasi Z. Namun, Generasi Z dinilai belum memiliki kesadaran dan pemahaman yang cukup tentang perencanaan keuangan dan literasi keuangan yang merupakan hal penting dalam berinvestasi. Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan dan pengalaman keuangan terhadap perencanaan keuangan. Populasi dalam penelitian ini adalah mahasiswa S1/D3 manajemen Universitas Widyatama yang mengikuti kegiatan PKM: Smart Financial Planning for Better Life. Teknik pengambilan sampel yang digunakan adalah Non Probability Sampling-purposive sampling dengan jumlah sampel sebanyak 100 responden. Analisis data yang digunakan adalah regresi linier berganda dengan taraf signifikansi 5%. Hasil penelitian menunjukkan bahwa literasi keuangan dan pengalaman keuangan berpengaruh terhadap perencanaan keuangan. Hasil penelitian ini diharapkan dapat menambah pengetahuan dalam pengelolaan keuangan sebagai upaya meningkatkan kual...

The Journal of Asian Finance, Economics and Business, 2020

The study attempts to examine the effect of the capabilities of banking companies, namely the dyn... more The study attempts to examine the effect of the capabilities of banking companies, namely the dynamic and unique capabilities, on the implementation of GCG in Indonesia. The effect of organization capabilities on the implementation of GCG is essential since both of them can demonstrate the quality of the company's ability to compete and innovate. This study will also examine the influence of moderating variables, namely the fit and proper test. The methodology used in this study is the structural equation methods and using primary data with board of directors of commercial bank in Indonesia. The test results suggest the positive direct effect of unique capabilities on GCG. The findings show that the capabilities of the top management, both unique and dynamic capabilities, influence the implementation of GCG. Then, the variable of fit and proper test can also strengthen the relationship between them. Both unique capabilities and fit and proper test have a strong and positive impact on GCG. Meanwhile, dynamic capabilities have a negative impact on GCG even though it's not significant and contradictive with earlier studies. In the context of the banking industry growth and sustainability, this matter is important to examine. Top management behavior in operating their organization is important to be investigated.

This study aims to know the relationship between risk management on problematic asset purchase de... more This study aims to know the relationship between risk management on problematic asset purchase decisions in Indonesia. Design/methodology/approach: Partial Least Square (PLS). The unit of analysis used in this research is the executive decision makers in purchasing problem assets during period 2016-2019. The sampling method of this unit of analysis is based on the purposive sampling method. Respondents taken in this study include executives who buy troubled assets in Indonesia with a wide variety of information, which are expected to be more varied and detailed, so that in the end the research results will be obtained as expected. Executives at the level of company owners and top management of the company. Findings: The results showed that risk management has a direct effect on the purchase decision of problematic assets. Efforts to develop decision-making in purchasing assets from non-performing loans need to pay attention to the utilization of risk understanding in order to obtain the right purchasing decisions. Originality/value: This research will be useful in knowing that the implementation of good risk management can ensure business sustainability, especially in assets that are relatively high risk.

After years of stable growth, recovering from a severe economic crisis in 1997, the indonesian ec... more After years of stable growth, recovering from a severe economic crisis in 1997, the indonesian economy was hit by the global economic downturn in 2008. The global financial crisis has affected a number of banking institutions, including indonesian islamic banks. The crisis is reflected by the higher financing to deposit ratio (fdr) in islamic bank. Actually,the high fdr has positive impact to economic growth in the community. However, islamic banks have liquidity problems if the clients want to pull their funds from the islamic bank. This study aims to determine the effect of level of liquidity to the level of profitability in islamic banking(muama1at indonesia bank, syariah mandiri bank and syariah mega indonesia bank) over the periods 20052009. Results showed that the level of liquidity as measured by the quick ratio, financing to deposit ratio and loan to asset ratio has a significant influence on return on equity. Interesting funding showed that loan to asset ratio has a negative impact on return on equity.

Good Corporate Governance has linier relation with productivity of corporation or organization. G... more Good Corporate Governance has linier relation with productivity of corporation or organization. GCG principle consisted of fairness, transparency, accountability, independence and responsibility. Banking society realized the importance of applying Good Corporate Governance (GCG). This research tries to find what the impacts, advantages of implementing Good Corporate Governance on Banking operational in Indonesia before and after implementing Good Corporate Governance. This research will use data from common bank according to listed banks on Central Bank. This research used samples from the 5largest common banks in Indonesia based on bank listed in Central Bank. This research is done toward the largest 5 common banks in Indonesia before and after applied Good Corporate Governance. Data taken belongs to unclassified confidential bank from 1999 until 2007. Problems on this research mostly are from the internal corporation. Nevertheless, economic condition and monetary stabilities will be used as control variable. Variable used in this research includes dependent and independent variable. Independent variable include CAMEL (CAR, ROA, ROE, OCOI and LDR) and external factor as independent variable (S on CAMEL), that are rate and exchange rate. The image of bank analyzed will be as dependent variable. Tools of analysis that are used to process data are Multi Correlation Analysis Method and Regression Analysis Method.

The purpose of this study is to develop a model for predicting bankruptcy in rural areas of Indon... more The purpose of this study is to develop a model for predicting bankruptcy in rural areas of Indonesia. The method used in this study uses logit. The data used is auxiliary data obtained from the World Bank publication reports during the period 2009-2018. The population used in this study is a rural bank in East Java, and the sample is based on intentional sampling. The results show that CAR, LDR, CG, NPL, OR and OBS have a significant impact on bankruptcy. NIM and CR have no major impact now. The rural banking industry needs to beware of indicators that indicate bankruptcy or bankruptcy. Banks must implement risk management and meet regulatory capital requirements to be able to resist risks and comply with bank governance rules so that rural banking businesses can generate high returns, thereby affecting resilience and resilience. its existence. This research will help identify banks that may fail in the future based on the variables discussed in this research. The ability to detect failures in the banking environment and distinguish between soundness banks and troubled banks predicts bank failures. As an early warning system, bank supervisors can use it to maintain the sustainability of the rural banking industry, but it has not yet been completed.

This study aims to investigate the determinants of default risk of rural banks in East Java, Indo... more This study aims to investigate the determinants of default risk of rural banks in East Java, Indonesia. The method used is descriptive verification and logistic regression analysis. The data used is secondary in the form of monthly annual financial reports of rural banks in East Java during the period 2009-2018. From the results, it was shown that net interest margin (NIM) as a proxy of market risk, non-performing loan (NPL) as a proxy of credit risk, operation efficiency as a proxy of operational risk and return on assets (ROA) as a proxy of profitability have a significant influence on default risk. Meanwhile, the loan to deposit (LDR) ratio as a proxy of liquidity risk has no significant influence on default risk. Banks need to implement risk management and meet the capital adequacy requirements of regulators so that they are resistant to risk, and also, compliant with bank governance to be able to produce high returns for rural banks have an impact on sustainability and its existence. The ability to identify setbacks in bank conditions and the ability to distinguish between healthy and problematic banks will enable to anticipate default banks.

The aim of this study is to examine the effect of macroeconomic variables on the Jakarta composit... more The aim of this study is to examine the effect of macroeconomic variables on the Jakarta composite index in Indonesia, both in the short and long term before Covid19 and the Covid19 period, as well as to examine whether there is a difference before Covid19 and the Covid19 period. Macroeconomic variables include exchange rate (ER), inflation (INF), interest rate (INT) and output growth (IP). This study uses data from the times series for the period 2019.1 to 2020.12 by including dummy variables. The first stage is to test the stationary of the data with the root test unit, and the result is that the data is only stationary in the first and second differences. In addition, the co-integration test between the variables and the results shows a co-integration relationship between the variables so that the model can be analyzed using the Error Correction Model (ECM) to see the short-term balance. The results of the ECM model analysis show that, in the short term, the only macroeconomic variables affecting the Jakarta composite index in Indonesia prior to Covid19 and the Covid19 period are only the exchange rate. In the long run before Covid19, the only ones affecting the Jakarta composite index were the exchange rate, while the eCovid19 period was the rate of exchange and inflation. Other results indicate that there is a difference in the average.

KAIBON ABHINAYA : JURNAL PENGABDIAN MASYARAKAT

JIIP - Jurnal Ilmiah Ilmu Pendidikan

Diklat Review : Jurnal manajemen pendidikan dan pelatihan

The Journal of Asian Finance, Economics and Business, 2020