Wisnu Mawardi
Jurusan Manajemen Fakultas Ekonomika dan Bisnis Universitas Diponegoro

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ANALISIS PENGARUH KUALITAS ASET, LIKUIDITAS, RENTABILITAS, DAN EFISIENSI TERHADAP RASIO KECUKUPAN MODAL PERBANKAN YANG TERDAFTAR DI BURSA EFEK JAKARTA Fitrianto, Hendra; Mawardi, Wisnu
STUDI MANAJEMEN DAN ORGANISASI Vol 3, No 1 (2006)
Publisher : Faculty of Economics and Business Diponegoro University

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Abstract

ABSTRAK Aspek permodalan merupakan salah satu aspek yang sangat penting dalam dunia perbankan nasional, disamping dalam rangka mengembangkan usaha untuk menampung kerugian – kerugian . Dalam upaya menjaga agar permodalan bank senantiasa sehat , Bank Indonesia selaku pemegang otoritas moneter di Indonesia menentukan aturan – aturan kesehatan permodalan . Maksud dari penelitian ini adalah mengkaji dan analisis pengaruh antara risiko kredit (NPL)risiko asset (NPA), profitabilitas (ROA), (ROE), likuiditas (LDR), dan efisiensi usaha (BOPO)  terhadap rasio modal ( CAR) . Penelitian dilakukan  terhadap bank yang telah go public di BEJ dengan data dari tahun 2000-2004, diambil dari Indonesian Capital Market Dictionary dan JSX Watch Bisnis Indonesia.  Hasil penelitian menunjukkan bahwa NPL, NPA, ROE, dan BOPO tidak memliki pengaruh secara signifikan terhadap CAR, sedangkan ROA dan LDR berpengaruh secara signifikant terhadap CAR. Hal ini membuktikan bahwa kecukupan modal tidak hanya berpengaruh pada ke  enam faktor tersebut namun juga dipengaruh oleh variabel –variabel lain dan kondisi makro ekonomi. Kata kunci : risiko kredit; resiko aset; profitabilitas; likuiditas; effisiensi usaha; modal
ANALISIS PENGARUH BOPO, EAR, LAR DAN FIRM SIZE TERHADAP KINERJA KEUANGAN (Studi kasus pada bank umum konvensional yang terdaftar di Bursa Efek Indonesia periode 2008-2011) Kurnia, Indra; Mawardi, Wisnu
Diponegoro Journal of Management Volume 1, Nomor 4, Tahun 2012
Publisher : Faculty of Economics and Business Diponegoro University

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Abstract

This study aims to determine the effect of Operating Expenses to Operating Income (BOPO), Equity to Total Assets Ratio (EAR), Loan to Assets Ratio (LAR) and firm size on Return on Assets (ROA). This study used four independent variables, namely BOPO, EAR, LAR, and firm size, with one dependent variable is Return on Assets (ROA). Sampling technique used was purposive sampling criteria (1) banking company listed in Indonesia Stock Exchange and has the most complete financial statements and have been published in the Bank Indonesia during the observation period from 2008 to 2011, (2) conventional commercial banks have already listing before the end observation period. Data obtained by the publication of financial statements listed on the website of Bank Indonesia. Obtained the sample of 12 companies. Analysis technique used is multiple regression, the assumptions of classical test and test hypotheses using t-statistics, testing the coefficient of determination and F-statistics to test the effect of the joint - the same as the level of significance of 5%. It also tested the classical assumptions that included tests of normality, multicollinearity test, test of heteroscedasticity, and autocorrelation test. Based on the results of data analysis, showed that: BOPO variables, firm size, loan to Assets Ratio (LAR) has a positive and significant impact on Return on Assets (ROA). The variable Equity to Total Assets Ratio (EAR) has a negative effect but not significant and have the smallest impact on Return on Assets (ROA).
ANALYSIS OF EFFECT OF FIRM SIZE, INSTITUTIONAL OWNERSHIP, PROFITABILITY, AND LEVERAGE ON FIRM VALUE WITH CORPORATE SOCIAL RESPONSIBILITY (CSR) DISCLOSURE AS INTERVENING VARIABLES (Study on Banking Companies Listed on BEI Period 2012-2016) Astuti, Fitria Yuni; Wahyudi, Sugeng; Mawardi, Wisnu
JURNAL BISNIS STRATEGI Vol 27, No 2 (2018): Desember
Publisher : Magister Manajemen, Fakultas Ekonomika dan Bisnis Undip

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (990.819 KB) | DOI: 10.14710/jbs.27.2.95-109

Abstract

The main objective of the company survives in the stringent competitive by maximizing the value of the company to shareholder wealth. Firm value is experiencing a downward trend is a problem that must be resolved. The banking company also undertakes a social responsibility that is perceived to have a positive impact on the company's image. This study aimed to analyze the effect of the firm size, institutional ownership, profitability, and leverage with corporate social responsibility (CSR) disclosure as a variable intervening.Populations are banking companies listed on the Indonesia Stock Exchange Period 2012-2016. Sampling technique used is purposive sampling with 29 companies selected according to predetermined criteria. This research is done by using multiple linear regression analysis methods and path analysis also Sobel test to examine the effect of intervening. Test results with CSRD as the dependent variable indicate that institutional ownership and Leverage have no effect on CSRD While firm size and profitability (ROA) have a positive significant effect on CSRD. The result of testing with Firm Value (Tobins'Q) as the dependent variable indicates that Firm Size, Institutional Ownership, and Profitability (ROA) have no effect on Firm Value (Tobins'Q). Leverage (DAR) has a negative and significant influence on Firm  Value (Tobins'Q) while CSRD has a significant positive effect on Firm Value (Tobins'Q). CSRD does not mediate the effect of Institutional Ownership, Profitability (ROA) and Leverage (DAR) on Firm Value (Tobins'Q). CSRD mediates the effect of Firm Size on Firm Value (Tobins'Q).
A STUDY ON THE COMPANY VALUE OF PUBLIC BANKS LISTED IN THE INDONESIAN STOCK EXCHANGE BETWEEN 2010 – 2015 Muhajir, Atok; Miyasto, Miyasto; Mawardi, Wisnu
JURNAL BISNIS STRATEGI Vol 26, No 1 (2017): Juli
Publisher : Magister Manajemen, Fakultas Ekonomika dan Bisnis Undip

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (247.803 KB) | DOI: 10.14710/jbs.26.1.13-27

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Company value that tends to decline is a problem that must be addressed. This is in line with the theory of company which mentions that the goal of a company is to maximize it value. This study is aimed at analyzing the effects of Loan to Deposit Ratio (LDR), Non-Performing Loan (NPL), Income Diversification and Operational Cost and Return (BOPO) on company value, with Price Book Value (PBV) and Return on Asset (ROA) as intervening variables. The study population consists of companies listed on the Indonesian Stock Exchange between 2010 and 2015. The sampling technique employed was purposive sampling and 26 companies were sampled according to the pre-determined criteria. Analyzes were carried out using the SPSS program, with the data undergoing a statistical testing beforehand. Results from the first regression model show that LDR has positive and significant effect on ROA, BOPO has negative and significant effect on ROA, while NPL and Income Diversification does not have any effect on ROA. On the other hand, results from the second regression model show that LDR has negative and significant effect on PBV; Income Diversification has positive and significant effect on PBV, whereas NPL and BOPO do not have any effect on PBV. Statistically, this study also shows that ROA has a mediating effect on the relationship between Income Diversification and BOPO against PBV.
Analisis Pengaruh Struktur Aktiva, Asset Turnover, Growth Terhadap Profitability Melalui Variabel Capital Structure Sebagai Variabel Intervening (Studi Kasus pada Perusahaan Consumer Goods BEI Periode Tahun 2012-2014) Wardhana, Iga Bagus Jaya; Mawardi, Wisnu
Diponegoro Journal of Management Volume 5, Nomor 2, Tahun 2016
Publisher : Faculty of Economics and Business Diponegoro University

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Abstract

The objectives of this research are to find and analyze connection between Assets Structure, asset turnover, growth asset, to profitability. In this case, Capital Structure become a intervening variable to know the relationship between  Asset Structure, total asset turnover, growth asset to profitability.            This research conducted in manufacture companies on consumer goods sector that listed in Indonesian Stock Exchanges on period 2012-2014. The data used in this research is from financial report on Indonesian Stock Exchanges. The method of this research is using quantitative approach with path analysis. The sample used is 26 companies with specific criteria.            The result show that Asset Structure have a positive significant impact to the capital structure. Total asset turnover have a negative impact to capital structure. Growth asset don’t have any impact to capital structure. Assets Structure have a positive significant impact to profitability. Total asset turnover have a positive significant impact to the profitability and growth asset don’t have any impact to profitability.
ANALISIS PENGARUH LIKUIDITAS DAN MARJIN KEUNTUNGAN TERHADAP PENDAPATAN BAGI HASIL MUSYARAKAH DENGAN SUKU BUNGA KONVENSIONAL SEBAGAI MODERASI Fauzan, Muhammad Azmi; Mawardi, Wisnu
Diponegoro Journal of Management Volume 5, Nomor 2, Tahun 2016
Publisher : Faculty of Economics and Business Diponegoro University

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The global Islamic finance industry has demonstrated its ability to withstand the crisis for the values of the Islamic finance industry has prepared itself from speculations. On the other hand, there is support for the Indonesian government to develop sharia economic system since the majority of the Indonesian people embrace the religion of Islam. Islamic banking system, which prohibits a transaction of interest (riba/usury,) has become the investment solutions as well as the funding needs for both Muslims and non-Muslims. However, the community needs for banking products in accordance with sharia cannot be fulfilled properly because of Islamic banking has been made conventional interest rate as an indirect reference to determine the level of revenue sharing.This study analyzed the effect of liquidity associated with liquidity and the profit margin on revenue for the Bank’s results on transactions Musharaka financing moderated by JIBOR (Jakarta Interbank Offered) on Islamic Banks in Indonesia from 2010 to 2014. The sampling technique was purposive sampling method to 7 Islamic Banks which has total assets of more than 1 trillion rupiah. Secondary data were obtained from Bank Indonesia and web publications related bank. The analysis was Moderated Regression Analysis (MRA).The results of this study indicate that the liquidity and margins with a significant and positive direction results on transactions Musharaka financing, the interest rates JIBOR moderated with a negative but not significant relationship between the liquidity on transactions Musharaka financing, the interest rates JIBOR moderated with a positive and significant relationship between the margins on transactions Musharaka financing.
Analisis Efisiensi Bank Persero dan Bank Asing dengan Metode Stochastic Frontier Analysis (SFA) dan Analysis Of Variance (ANOVA) (Studi Kasus pada Bank Persero dan Bank Asing di Indonesia periode tahun 2010-2014) Putri, Asti Mardiana; Mawardi, Wisnu
Diponegoro Journal of Management Volume 5, Nomor 2, Tahun 2016
Publisher : Faculty of Economics and Business Diponegoro University

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Abstract

The dominant role of banks in Indonesia makes bank should have a healthy financial performance. A way to maintain good financial performance by analyzing the level of efficiency so it can be seen how banks are efficient, healthy and able to survive in any economic conditions.            The purpose of this research is to analyze the efficiency level of state-owned banks and foreign banks in Indonesia in period between 2010-2014 based on three approaches; operational approach, intermediation approach and asset approach. The analytical method used are Stochastic Frontier Analysis (SFA) using production function and Analysis Of Variance (ANOVA). SFA method used to measure efficiency level and the result appears in numeric score 0-1 form. The closer the result with score 1 so the banks getting closer with the perfect efficiency level. One Way ANOVA is used to find out the difference of  state-owned bank and foreign bank efficiency level in every approaches.            This research shows the results that efficiency level of state-owned banks and foreign banks in Indonesia is increasing in every period between 2010-2014 using operational approach, intermediation approach and asset approach. At operational approach, the average efficiency on state-owned banks are 0,97677198 and foreign banks are 0,78301436.  At intermediation approach, the average efficiency on state-owned banks are 0,98241996 and foreign banks are 0,42062963.  At asset approach, the average efficiency on state-owned banks are 0,322442 and foreign banks are 0,22159316. The results of hypothesis testing shows that there is significance difference in efficiency level  of atate-owned banks and foreign banks based on operational approach, intermediation approach and asset approach. Both state-owned banks and foreign banks have to increase the efficiency level on asset approach because it has the lowest values.
Analisis Pengaruh Total Asset Turnover, Book To Market Ratio, Debt Equity Ratio Terhadap Expected Return Dengan Trading Volume Acitivity Sebagai Variabel Intervening (Studi Pada Perusahaan Perbankan yang Terdaftar pada BEI Periode 2010-2014) Aprisilya, Tiari; Mawardi, Wisnu
Diponegoro Journal of Management Volume 5, Nomor 2, Tahun 2016
Publisher : Faculty of Economics and Business Diponegoro University

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The purpose of this study is to investigate: (1) The effect of total asset turnover (TATO), book to market ratio (BMR), and debt equity ratio (DER) to trading volume activity (TVA), (2) The effect of of total asset turnover (TATO), book to market ratio (BMR), debt equity ratio (DER), and trading volume activity (TVA) to the expected return (E(Ri)), (3) The effect of total asset turnover (TATO), book to market ratio (BMR), and debt equity ratio (DER) to the expected return (E(Ri)) through trading volume activity (TVA) as an intervening variable. Population of this research is 45 banking companies listed in Indonesia Stock Exchage. After used purposive sampling technique, then obtained total sample of 16 companies listed in Indonesia Stock Exchage 2011-2014. Path analysis used to be analysis technique using program SPSS 20 for windows to determine the effect of mediation. The result of this study showed that TATO and BMR significantly positive  effect on TVA. DER have positif effect on TVA but not significant. TATO, BMR, and DER have positif effect on E(Ri) but not significant. TVA significantly positive effect on E(Ri). The result of sobel test showed that TVA can used as intervening variable because significantly positive mediate the relation between TATO and BMR toward E(Ri).
Analisis Risiko Kebangkrutan Bank Syariah dengan Metode Zscore (Studi Kasus pada Bank Umum Syariah di Indonesia periode 2008-2014) Hasanatina, Foza Hadyu; Mawardi, Wisnu
Diponegoro Journal of Management Volume 5, Nomor 2, Tahun 2016
Publisher : Faculty of Economics and Business Diponegoro University

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This study aims to examine islamic bank’s insolvency risk in Indonesia. Insolvency risk is measured by Zscore method. Factors are used in this study which influence islamic bank’s insolvency risk are fee based income, cost inefficiency, loan asset ratio and size.            The population are islamic banks in Indonesia. This study use purposive sampling technique and select 5 (five) islamic bank for the sample. Characteristic of the sample are islamic banks in Indonesia which have periodic accounting data published by Otoritas Jasa Keuangan (OJK) in 2008-2014. The analisys method is multiple linier regression analysis.             The result show that fee based income, cost inefficiency and loan asset ratio have significant and positive influence on islamic bank’s insolvency risk, but size has no significant influence on islamic bank’s insolvency risk. Judging by the value of adjusted R square was 31,3% which means the independent variabel is able to explain 31,3% variation of dependent variabel.
ANALISIS PENGARUH RISIKO KREDIT, INTERMEDIASI PERBANKAN, RISIKO LIKUIDITAS, DAN EFISIENSI MANAJEMEN TERHADAP PROFITABILITAS PERBANKAN INDONESIA (Studi Kasus pada Bank Umum Konvensional yang Terdaftar di Bursa Efek Indonesia Periode 2010-2014) Arindi, Glady Precillia; Mawardi, Wisnu
Diponegoro Journal of Management Volume 5, Nomor 3, Tahun 2016
Publisher : Faculty of Economics and Business Diponegoro University

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Abstract

This study aims to examine the effect of credit risk, banking intermediation, liquidity risk, and management efficiency to banking profitability. The dependent variables in this study are Return On Assets (ROA) and Return On Equity (ROE). Meanwhile, the independent variables in this study are Allowance for Impairment Losses Ratio (CKPN), Loans to Deposits Ratio (LDR), Liquidity Gap, and Operating Expenses to Operating Incomes Ratio (BOPO).  The sampling technique is conducted by purposive sampling method. The number of total samples in this study is 9 conventional commercial banks listed on the Indonesia Stock Exchange (IDX) in 2010-2014. Data processing was performed using multiple linear regression analysis through classic assumption test beforehand. The results using ROA as the dependent variable showed that CKPN and LDR have a positive and significant effect on ROA, BOPO has a negative and significant effect on ROA, and Liquidity Gap has a positive but insignificant effect on ROA. Meanwhile, the results of this research using ROE as dependent variable showed that LDR and BOPO have a negative and significant effect on ROE, CKPN has a positive but insignificant effect on ROE and Liquidity Gap has a negative but insignificant effect on ROE. The results concluded that the profitability of banks can be influenced by CKPN, LDR, and BOPO.