Jurnal Keuangan dan Perbankan (JKP)...Jurnal Keuangan dan Perbankan (JKP) Journal of Finance and...

Jurnal Keuangan dan Perbankan (Journal of Finance and Banking)

(Nationally Accredited SK.NO.10/E/KPT/2019) ISSN (Print): 1410-8089 (Online): 2443-2687 http://jurnal.unmer.ac.id/index.php/jkdp

Jurnal Keuangan dan Perbankan (JKP)

Journal of Finance and Banking

Jurnal Keuangan dan Perbankan (Journal of Finance and Banking) publishes theoretical and empirical

research across all the major fields of financial and banking research. It serves as a forum for all the

academicians, research scholars, scientists, and also for the industry people to share their finance and banking

views and to publish their scholarly papers. The aim of the Journal of Finance and Banking is to provide an

outlet for the increasing flow of scholarly research concerning financial institutions and the money and capital

markets within which they function. Journal of Finance and Banking welcomes submissions of complete and

original research manuscripts, which are not under review in any other conferences or journals. The journal is

the official publication of Finance and Banking Program University of Merdeka Malang, the institution devoted to

the study and promotion of knowledge about finance and banking. Published four times a year in January,

April, July, and October.

Aims and Scope Finance

Accounting and Financial Reporting; Alternative Investments; Asset Pricing; Behavioral Finance; Corporate

Finance; Corporate Governance and Ethics; Derivative Pricing and Hedging; Empirical Finance; Financial

Accounting; Financial Applications of Decision Theory or Game Theory; Financial Applications of Simulation or

Numerical Methods; Financial Economics; Financial Engineering; Financial Forecasting; Financial Literacy;

Financial Risk Management and Analysis; International Finance; Portfolio Optimization and Trading; Real Estate

Finance; Regulation of Financial Markets and Institutions; Rural Finance; Stochastic Models for Asset and

Instrument Prices; Systemic Risk

Banking

Banking Efficiency; Banking Regulation; Bank Solvency and Capital Structure; Bank Fund Management; Central

Banking; Conventional versus Non-Conventional Banking; Credit Rating; CSR of Bank; Financial Stability; E-

Banking; Foreign Exchange Management, Investment Banking; International Banking; Internet Banking; Islamic

Banking; Liquidity Management; Merchant Banking; Mobile Banking; Monetary and Fiscal Policy Decision-Making;

Online Banking; Offshore Banking; Retail Banking; SMEs Banking

The Editor receives relevant writing in improving the science of finance and banking. The writing must be the original (not plagiarism) thing of thought, research result, ideas with references like scientific writing, and it has not been published by another publisher. The writing which is not published in two editions at a

stretch is considered that it does not fulfill the requirements and it is not returned.



Author Guidelines

Manuscript Submission

The manuscript submitted in the form of softcopy by using OJS (Open Journal

System) through http://jurnal.unmer.ac.id/index.php/jkdp/index. The manuscript submission also attached to the complete curriculum vitae of author and manuscript form refers to the following instruction below:

Writing Instruction

The manuscript should be a single-spaced minimum of 10 pages, and a maximum of 15 pages is already included abstract and bibliography/reference, paper size A4, font Book Antiqua 12 pts except for illustration (table, chart, figure, etc.) font size 10 pts. For editing, all the manuscript (including table, figure, and equation) should write

in a form that can be edited by an editor (Word Document).

General Writing Style

The manuscript for publication of Jurnal Keuangan dan Perbankan (Journal of Finance and Banking) could be study and application of theory, research, conceptual ideas, literature reviews, reviews of new books, bibliographic, and practical writing related to finance and banking science. The manuscript can be written in

Indonesia Language or English Language in the form of an essay (published in the English Language), include the subheadings in each part, except introduction which shown without subheading. Ranked of subheading expressed with a different typeface and without subheading. The writing style is narrative, with minimizing of

using table, figure, and equation.

Systematics of Manuscript

Conceptual systematics of manuscript consist of: title, authors name (without academic title), address where the manuscript wrote, address for correspondence (contact number, facsimile, and email), abstract, keywords, JEL classification, introduction (without subheading), main review (divided into subheadings), conclusion, and

references. Systematics research manuscript consists of the title, authors name (without academic title) address where the result of research done, address for correspondence, abstract, keywords, JEL classification,

introduction (without subheading) hypotheses development (optional), methods, results, discussion, conclusion, suggestions, and references. The following instruction for each part of the manuscript and another way which needs to consider to the writing of the manuscript.

Title

Maximum consist of 14 words

Author Data

Consist of the full name without academic title and abbreviation, the name of author affiliations institution and complete address (including ZIP code), address for corresponding author (telephone, facsimile, and e-mail).

Abstract

Writing in English with 150-200 words (also include in Indonesia), consist of 1 paragraph. Abstract for research

manuscript contains the purpose of research, methods, and an important finding. Abstract for study article/ conceptual contains a summary of the overall content of the full article with idea inferred.

Keywords

Writing in English with 3-6 phrases. Keywords contain words or phrases which often used for manuscript and considered to represent and or related to the topic. Writing in alphabetical.

http://jurnal.unmer.ac.id/index.php/jkdp/index



JEL Classification

The manuscript should include JEL classification which is the code to classify the field of science in line with the research topic. The classification code may refer to this link:

https://www.aeaweb.org/econlit/jelCodes.php or https://www.aeaweb.org/jel/guide/jel.php

Introduction

The introduction contains the substance of the articles according to topics and the purpose, especially the reasons both theoretical and empirical background of writing the manuscript. Express the theoretical concepts, ideas, as well as the findings of previous studies, useful as a comparison and as well strengthening, enrichment as well as

sharpening the discussion, analysis, and interpretations. The presentation should be coherent chronological order. The connection between the logic of the first paragraph with the following should be clear.

Hypotheses Development (if any) A supposition or explanation (theory and empirical) that is provisionally accepted in order to interpret certain

events or phenomena, and to provide guidance for further research. A hypothesis may be proven correct or wrong and must be capable of refutation. If it remains unrefuted by facts, it is said to be verified or elaborated.

Methods

The method is theoretical and technical information sufficient for the reader can reproduce the research well,

especially important to put forward about the research design, population and sample, data (types and source), data collection technique, and data analysis technique (analysis model).

Results

The result presented in systemic. Narration in the results contain information extracted from the data; it’s not as it is. The illustration has to referred in the text; it presented the data processed not raw data (if necessary data

reduction).

Discussion

The discussion is an express interpretation of the results, to answer the research objectives and hypotheses (optional). The discussion and data presentation is the same sequence. There was a development argument by correlating results, theory, and opinion, including comparative results of previous research. It is important to

state the possibility of contribution result of the research for science development.

Conclusion

Conclusion interpret results and discussion of research for more comprehensive.

Limitation and Suggestions The author must present any major flaws and limitations of the study, which could reduce the validity of the writing, thus raising questions from the readers (whether, or in what way), the limits in the study may have

affected the results and conclusions. Limitations require a critical judgment and interpretation of the impact of their research. The author should provide the answer to the question: Is this a problem caused by an error, or

in the method selected, or the validity, or something else? Suggestions intended for further research.

Acknowledgement Author(s) may acknowledge a person or organization that helped him/her/them in many ways. Please use the singular heading even if you have many acknowledgements.

https://www.aeaweb.org/econlit/jelCodes.php

https://www.aeaweb.org/jel/guide/jel.php



Citation

Citation in the text made in the format of name and year, such: Suhardjanto & Miranti (2009) for beginning the sentence, and (Wahyudi, 2010) for the end of a sentence. If there are more than two authors used et al. After

the name of first author, such: Ettredge, et al. (2010). For more than one references, is based on the chronology of the year or alphabetical order if there is the same year. For example: (Arisudi & Gapor, 2010; Herdinata, 2010; Nursyamsi, 2010) or (Yuniarti, 2008, Budianto, 2009, Iriani & Gunarianto, 2010).

References Reference arrange by following the procedures of the following example and sorted alphabetically and

chronologically.

A book appears as follows:

Skiadas, C. (2009). Asset Pricing Theory. New Edition. Published by Princeton University Press.

An Article in a journal appears as follows:

Fu, X., Lin, Y., & Molyneux, P. (2014). Bank competition and financial stability in Asia Pacific. Journal of

Banking & Finance, 38(1), 64–77. https://doi.org/10.1016/j.jbankfin.2013.09.012

A working paper appears as follows:

Rojas, L. & Suares. (2010).The international financial crisis: Eight lessons for and from Latin America. Working Paper 02. January. Center for Global Development

A proceeding appears as follows:

Rachmawati. (2005). Over-reaction pasar terhadap harga saham. Prosiding. Simposium Akuntansi Nasional

VIII.

A dissertation, thesis, etc is cited as follows:

Choudhury, M. A. (2007). Philosophy of Islamic financial engineering: Evaluationary equilibrium in learning spaces of unity of knowledge. International Seminar and Workshop on Islamic Financial Engineering. Post Graduate Program of Faculty of Economics Islamic University of Indonesia. Yogyakarta.

Nurkhin, A. (2009).Corporate governance dan profitabilitas: Pengaruhnya terhadap pengungkapan tanggung jawab sosial perusahaan (Studi empiris pada perusahaan yang tercatat di Bursa Efek Indonesia).

Tesis. Program Studi Magister Akuntansi Program Pascasarjana Fakultas Ekonomi Universitas Diponegoro.

Another document (Regulation/Constitution):

Peraturan Bank Indonesia Nomor: 11/25/PBI/2009 Tentang penerapan manajemen risiko bagi bank umum.

An article in website appears as follows:

Oorschot, L. V. (2009). Risk reporting: An analysis of German banking industry. Retrieved from:

http://oaithesis.eur.nl. August 30, 2017.

An Article in newspaper, magazine, etc., is cited as follows:

Hasbullah, Y. (2004). Prinsip-prinsip manajemen risiko kredit di perbankan dalam rangka good corporate governance. Majalah Usahawan Indonesia, 12(XXXIII) Desember: 28-31.

DOIs in References. When the cited items have DOIs, the authors should add DOI persistent links to the

regular references the persistent links should be active. Format of persistent link: https://doi.org/+DOI (without “doi:”). Example of persistent link: https://doi.org/10.1109/2.901164

Illustration (Table and Figure) The illustrations in the form of tables and figures (optional) included by the needs of the writing and given a sufficient explanation, and typed in a format that can be edited by the editorial team.

Table. Typed font size 10 pts, form tables are created as the following example:

https://doi.org/10.1016/j.jbankfin.2013.09.012

http://oaithesis.eur.nl/

https://doi.org/10.1109/2.901164



Table 1. An indicator of General Bank Performance Based on Assessment of CAEL (%)

General Bank ( % )

Dec 2002

Dec 2003

Dec 2004

Dec 2005

Dec 2006

Dec 2007

CAR 19,90 22,40 19,40 19,40 23,4 20,48

ROA 1,50 2,00 2,60 3,50 2,35 2,66 BOPO 98,41 94,76 88,10 76,64 81,42 71,16 LDR 33,00 38,20 43,50 50,00 62,27 67,46

NPL Gross 12,10 8,10 8,20 5,80 7,56 4,10

Source: Bank Indonesia (in Investor magazine, 2008) and Infobank June 2008.

Figure. Figure and charts are printed in black and white, so it needs to be made in different patterns among

the data displayed (can use grayscale, pattern, etc.). The figure made like the following example:

Figure 1. Growth Third Party Fund Bank X Branch of Malang

Copyright

Manuscripts are submitted must be an original, not plagiarized / plagiarism of other people's work has not been published, and are not sent at the same time to another publisher. Jurnal Keuangan dan Perbankan (Journal of Finance and Banking) holds the copyright for all materials included in the form of print, electronic, and another

form. Authors need to approve the diversion of copyright with fill out and sign a Statement of diversion Copyrights and then sent back to the address of the editorial accompanied by a curriculum vitae, after the manuscript can otherwise be published by the editorial team of the Jurnal Keuangan dan Perbankan (Journal of Finance and

Banking).

Other Requirement

Authors pay a twice-time Article Processing Charge (APC), submission fees to cover the costs of peer review

administration and management, professional production of articles in PDF and other formats. Publication fees

to cover the dissemination of published papers in various venues, in addition to other publishing functions. There

are no charges for rejected articles and no surcharges based on the length of an article, figures or supplementary

data.

Components and Indicator Reviewers Assessment are described in the following table:

0

1

2

3

4

5

Year 1 Year 2 Year 3 Year 4

Giro

Saving

Deposit



Component and Indicator of Reviewer Team Evaluation

No Component Evaluation Indicator of the reviewer

1 Title Effectiveness, Specification, and clarity

2 Abstract (in English) Complete and describe the essence of the article

3 Keywords Describing the essential concept of the article

4 Introduction (background, Objective or

scope, literature Review)

Up-to-date, originality, the relevance of the Topic,

compatibility of the important reason for the research

objective

5 Methods Concise explanation of the research methodology is

prevalent; reasons for choosing the particular methods

are well described; the research design is accurate; the

sample’s design is appropriate; the data collection

processes are properly conducted; the data analysis

methods are relevant and state-of-the-art

6 Results (Analysis and Synthetic) Analysis acuteness; in sufficient detail

7 Discussion (Interpretation) Up-to-date finding, relevance to the interrelated

researches, and the scientific contribution effect of finding

or idea to the development of science (contributions)

8 Conclusion Logical, valid, brief, and clear

9 Suggestions For further research

10 References The degree of up-to-date and the reference of primary

sources (journals).

Requirements: minimal 90% of the journals of the

interrelated scientific researchers, in the past ten years;

minimum number of citations of 10 (ten).

Contact person: Sari Yuniarti: Hp/WhatsApp: +6281 2332 1664 │E-mail: [email protected];

[email protected]



Editorial Team

Editor-in-Chief Dr. Irwan Trinugroho, [SCOPUS Author ID: 56178586300] Department of Management Faculty of Economics and Business Universitas Sebelas Maret, Indonesia

Managing Editors

Prof. Doddy Setiawan, [SCOPUS Author ID: 56028197800] Department of Accounting Faculty of Economics and Business Universitas Sebelas Maret, Indonesia

Dr. Sari Yuniarti, Department of Finance and Banking Faculty of Economics and Business University of Merdeka Malang, Indonesia

Editorial Advisory (Europe)

Prof. Mehmet Hüseyin Bilgin, [SCOPUS Author ID: 25421551900] Faculty of Political Sciences Istanbul Medeniyet University, Turkey

Dr. Jacek Kalinowski, [SCOPUS Author ID: 57195082430] Department of Accounting Faculty of Management University of

Lodz, Poland

Dr. Manuel Castelo Branco, [SCOPUS Author ID: 57194672796] Faculty of Economics University of Porto, Portugal

Dr. Vincenzo Verdoliva, [SCOPUS Author ID: 55629885300] Department of Management and Quantitative Methods

Parthenope University of Naples, Italy

Editorial Advisory (The United States)

Prof. Bruno Sergio Sergi, [SCOPUS Author ID: 35369323900) Davis Center for Russian and Eurasian Studies, Harvard

University, Cambridge, United States

Prof. Iftekhar Hasan, [SCOPUS Author ID: 7003267147] The E. Gerald Corrigan in International Business and Finance at Gabelli School of Business and the Center for Research in Contemporary Finance at Fordham University in New York, USA., United States

Prof. Kartono Liano, [SCOPUS Author ID: 6603080227] Department of Finance and Economics Mississippi State University, MS-USA, United States

Editorial Advisory (Asia Pasific)

Prof. Milind Sathye, [SCOPUS Author ID: 8933574100] Faculty of Business, Government, and Law University of Canberra, Australia

Prof. Susumu Ueno, Management and Accounting Research Institute, Japan

Dr. Evan Lau, [SCOPUS Author ID: 7103086036] Department of Economics Faculty of Economics and Business Universiti Malaysia Sarawak, Malaysia

Dr. Fathyah Hashim, [SCOPUS Author ID: 55505575500] Department of Accounting Graduate School of Business Universiti

Sains Malaysia, Malaysia

Dr. Harun Harun, [SCOPUS Author ID: 55361217000] Faculty of Business and Government, University of Canberra, Australia

Dr. Hooy Chee Wooi, [SCOPUS Author ID: 16837759700] School of Management Universiti Sains Malaysia, Malaysia

Dr. Law Siong Hook, [SCOPUS Author ID: 36660759000] Department of Economics Faculty of Economics and Management Universiti Putra Malaysia, Malaysia

Dr. Rayenda Khresna Brahmana, [SCOPUS Author ID: 36815675800] Department of Economics Faculty of Economics and Business Universiti Malaysia Sarawak, Malaysia

javascript:openRTWindow('http://jurnal.unmer.ac.id/index.php/jkdp/about/editorialTeamBio/291')



















Editorial Advisory (Asia Pasific - Indonesia)

Prof. Imam Ghozali, [SCOPUS Author ID: 55875276500] Department of Accounting Faculty of Economics and Business University of Diponegoro Semarang, Indonesia

Prof. Sugeng Wahyudi, [SCOPUS Author ID: 57189356898] Department of Management Faculty of Economics and Business University of Diponegoro Semarang, Indonesia

Dr. Abdul Mongid, [SCOPUS Author ID: 55496014900] Department of Accounting School of Business Perbanas Surabaya,

Indonesia

Dr. Apriani Dorkas Rambu Atahau, [SCOPUS Author ID: 56410852000] Department of Management, Faculty of Economics and Business, Satya Wacana Christian University, Salatiga, Indonesia

Dr. Ari Kuncara Widagdo, [SCOPUS Author ID: 56801119300] Department of Accounting Faculty of Economics and Business, Universitas Sebelas Maret, Indonesia

Dr. Dezie Leonarda Warganegara, [SCOPUS Author ID: 8675265200] Department of Finance Faculty of Economics &

Communications BINUS University Jakarta, Indonesia

Dr. Eka Handriani, [SCOPUS Author ID: 57190022037] Faculty of Economics and Business University of Darul Ulum Islamic Centre Sudirman, Semarang, Indonesia

Dr. Robiyanto Robiyanto, [SCOPUS ID: 56968203800] Department of Management, Faculty of Economics and Business,

Satya Wacana Christian University, Indonesia

Dr. Yanthi Hutagaol, [SCOPUS Author ID: 56820254300] Department of Finance Faculty of Economics & Communications BINUS University Jakarta, Indonesia

Dr. Zaäfri A. Husodo, [SCOPUS Author ID: 35268824900] Faculty of Economics and Business Graduate School of Management Universitas Indonesia, Indonesia

Associate Editors

Prof. Ali M. Kutan, [SCOPUS Author ID: 6603729640] Department of Economics and Finance, School of Business, Southern Illinois University, United States

Prof. Bambang Agus Pramuka, [SCOPUS Author ID: 57000578200] Department of Accounting Faculty of Economics

Universitas Jenderal Soedirman, Indonesia

Prof. Mohamad Adam, [SCOPUS Author ID: 57189470086] Department of Management Faculty of Economics Universitas Sriwijaya, Indonesia

Prof. Normah Omar, [SCOPUS Author ID: 35784816800] Accounting Research Institute, Faculty of Accountancy, Universiti Teknologi MARA, Shah Alam, Malaysia

Prof. Tatang Ary Gumanti, [SCOPUS Author ID: 56974418900] Department of Management Faculty of Economics and

Business Universitas Jember, Indonesia

Prof. Dr. Wiwiek Rabiatul Adawiyah, [SCOPUS Author ID: 57000534900] Department of Management Faculty of Economics and Business Universitas Jenderal Soedirman, Indonesia

Dr. Andewi Rokhmawati, [SCOPUS Author ID: 57195960469] Department of Management Faculty of Economics Riau University, Indonesia

Dr. Chai-Aun Ooi, [SCOPUS Author ID: 55999134600] School of Management, Universiti Sains Malaysia, Malaysia

Dr. Diana Zuhroh, Department of Accounting Faculty of Economics and Business University of Merdeka Malang, Indonesia

Dr. Felisitas Defung, [SCOPUS Author ID: 57188815380] Department of Management, Faculty of Economics and Business, Mulawarman University, Indonesia

Dr. Herman Saheruddin, Indonesia Deposit Insurance Corporation, Indonesia

Dr. Heru Fahlevi, [SCOPUS Author ID: 57189895148] Department of Accounting, Faculty of Economics and Business - Syiah Kuala University, Indonesia


















Dr. Mamduh M. Hanafi, [SCOPUS Author ID: 54683870100] Department of Management Faculty of Economics and Business, Universitas Gadjah Mada, Indonesia

Dr. Mostafa Monzur Hasan, [SCOPUS Author ID: 56489515600] School of Economics, Finance, and Property, Faculty of

Business and Law, Curtin University, Australia

Dr. Tastaftiyan Risfandy, [SCOPUS Author ID:ID: 57193524279] Department of Management Faculty of Economics and Business Universitas Sebelas Maret Surakarta, Indonesia

Dr. Taufiq Arifin, [SCOPUS Author ID: 56310015200] Department of Accounting Faculty of Economics and Business

Universitas Sebelas Maret, Surakarta, Indonesia

Dr. Valentina Lagasio, [SCOPUS Author ID: 57204978548] Department of Management, Sapienza University of Rome, Italy

Salim Darmadi, [SCOPUS Author ID: 55761575900] Directorate of Financial System Stability, Indonesia Financial Services

Authority (OJK), Jakarta, Indonesia

Taufik Saleh, Department of Monetary Management Bank Indonesia, Indonesia







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