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All Journal KEUNIS JSHP (Jurnal Sosial Humaniora dan Pendidikan)

Winarni Winarni

Politeknik Negeri Semarang

Author-ID : 3129160

Economics, Econometrics & Finance Education Social Sciences

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ANALISIS PENGARUH BOPO, NPL, NIM, DAN LDR TERHADAP PROFITABILITAS PADA BANK UMUM DI INDONESIA PERIODE 2012-2017 Evi Rohmiati; Winarni Winarni; Nina Woelan Soebroto
KEUNIS Vol 7, No 1 (2019): JANUARI 2019
Publisher : FInance and Banking Program, Accounting Department, Politeknik Negeri Semarang

This research is performed in order to test the influence of the Operation Expenses to Operations Income (BOPO), Non Performing Loan (NPL), Net Interest Margin (NIM), and Loan to Deposit Ratio (LDR) toward Profitability of Commercial Banks in Indonesia Period 2012-2017. The sample used is 7 Commercial Banks that entered into the list of Commercial Banks Business Activities 2012-2017. The independent variables in this research are BOPO, NPL, NIM, and LDR. While the dependent variable is Profitability which is represented by Return On Assets (ROA). The analysis model used in this research is Multiple Linear Regression, while the analysis technique in this research using F Statistic Test, t Statistic Test, and Determination Coefficient Test. The results of this research show that BOPO and NIM have significant influence to Profitability, while NPL and LDR have not significant influence to Profitability. Based on result of regression analysis, it is obtained that Adjusted R2 is 0,906, meaning the contribution of independent variable in explaining the dependent variable is 90,6% and the rest that is 9,4% is influenced by other variable not examined in this research.

REKSADANA SYARIAH dan KONVENSIONAL DI INDONESIA Nurseto Adhi; Dewi Pratiwi Aji; Winarni Winarni
KEUNIS Vol 9, No 2 (2021): JULI 2021
Publisher : FInance and Banking Program, Accounting Department, Politeknik Negeri Semarang

This study aims to test the difference between the conventional mutual fund and the sharia mutual fund on performances and risk. The development of mutual fund products is based on 2 (two) categories, conventional mutual funds, and sharia mutual funds (www.ojk.go.id). Based on data from the Data Center and Statistics of Islamic Mutual Funds, the performance of Islamic mutual funds is still underperformed compared to conventional mutual funds. Therefore, testing the performance of Islamic mutual funds by testing the performance of conventional mutual funds has not been widely tested. Secondary data was used in this study with all 1425 mutual funds from 2012-2017 on the Indonesia Stock Exchange was used as the population in this study is. The purposive sampling technique determines the sample in this study. The sample used in this study was Conventional and Shariah mutual fund in Indonesia Stock Exchange (IDX) with six products each. This hypothesis test used Differential Test tools with data analysis techniques using Paired sample t-test analysis using SPSS 25. In this study, we found that there was a significant difference between the return on conventional mutual funds and Syariah mutual funds. While the risk, Sharpe method, Treynor method, and Jensen method have not significant difference between conventional mutual funds and Syariah mutual funds.

ANALISIS TINGKAT KESEHATAN PT. BPR WELERI MAKMUR DENGAN METODE CAMEL PADA PERIODE 2015-2018 Nabila Saskia Noer Rizky; Winarni Winarni
KEUNIS Vol 8, No 1 (2020): JANUARI 2020
Publisher : FInance and Banking Program, Accounting Department, Politeknik Negeri Semarang

This study aims to assess and analyze the health level of PT. BPR Weleri Makmur if calculated using the CAMEL (Capital, Asset Quality, Management, Earning, and Liquidity) method in the 2015-2018 period based on Bank Indonesia Director's Decree No. 30/12 / KEP / DIR dated April 30, 1997. The component assessed is Capital (Capital) using CAR ratios, Asset Quality by using KAP ratios and PPAP ratios, Management using Management calculations using general management and risk management, earnings (earning) using the ROA ratio and the BOPO ratio, and Liquidity (Liquidity) using the Cash Ratio and LDR ratio.The results of the analysis and discussion showed that in the 2015-2018 period as a whole, the health level of PT. BPR Weleri Makmur is categorized in the healthy category, and the health level progress based on overall credit score at PT. BPR Weleri Makmur in the 2015-2016 period decreased.

Analisis Data Pergerakan Harga Saham Bank BUMN melalui Debt to Equity Ratio (DER), Return On Equity (ROE) dan Earning Per Share (EPS) Hairul Anam; Aditya Achmad Rakim; Saiful Ghozi; Winarni Winarni
JSHP : Jurnal Sosial Humaniora dan Pendidikan Vol 2, No 2 (2018): JSHP (Jurnal Sosial Humaniora dan Pendidikan)
Publisher : Pusat Penelitian dan Pengabdian kepada Masyarakat Politeknik Negeri Balikpapan.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32487/jshp.v2i2.499

The purpose of this study was to determine the effect of Debt to Equity Ratio (DER), Return On Equity (ROE) and Earning Per Share (EPS) on Stock Prices. Data were obtained from the Annual Report issued by the Indonesia Stock Exchange with the 2009-2017 period. In this study used saturated sampling techniques and samples in the study are State-Owned Enterprised Banks listed on the Indonesia Stock Exchange for the period 2009-2017. The analysis technique used in this study is multiple linear regression analysis to obtain a comprehensive picture of the relationship between variables one with other variablesBased on the results of testing hypotheses using simultaneous test (F) statistics concluded that Debt to Equity Ratio (DER), Return On Equity (ROE) and Earning Per Share (EPS) simultaneously had a significant effect on Stock Prices. Based on partial test (t) it was concluded that Debt to Equity Ratio (DER), partially significant effect on Stock Price, Return On Equity (ROE) partially significant effect on Stock Price and Earning Per Share (EPS) partially significant effect on Stock Price.The purpose of this study was to determine the effect of Debt to Equity Ratio (DER), Return On Equity (ROE) and Earning Per Share (EPS) on Stock Prices. Data were obtained from the Annual Report issued by the Indonesia Stock Exchange with the 2009-2017 period. In this study used saturated sampling techniques and samples in the study are State-Owned Enterprised Banks listed on the Indonesia Stock Exchange for the period 2009-2017. The analysis technique used in this study is multiple linear regression analysis to obtain a comprehensive picture of the relationship between variables one with other variablesBased on the results of testing hypotheses using simultaneous test (F) statistics concluded that Debt to Equity Ratio (DER), Return On Equity (ROE) and Earning Per Share (EPS) simultaneously had a significant effect on Stock Prices. Based on partial test (t) it was concluded that Debt to Equity Ratio (DER), partially significant effect on Stock Price, Return On Equity (ROE) partially significant effect on Stock Price and Earning Per Share (EPS) partially significant effect on Stock Price.

PENILAIAN KINERJA RETURN PENGELOLAAN ASSET PERBANKAN (Studi Komparasi Pada Bank Umum Swasta Nasional Devisa dan Bank Asing) Winarni Winarni; Embun Duriany Soemarso; Sri Widiyati; R. Gunawan Setianegara; Nurseto Adhi
KEUNIS Vol 10, No 2 (2022): JULY 2022
Publisher : FInance and Banking Program, Accounting Department, Politeknik Negeri Semarang

This study tried to analyse perfomance evaluation of banking asset management returns based on fundamental and macro factors from BUSND and foreign bank. This research also analyse the different of banking asset management Performance on BUSND and Foreign Bank. Multiple regression analysis method, F significance test, coefficient of determination and t significance test was used in This research. In order to find out the difference in asset return management between BUSND and foreign banks, a Chow-test was carried out.This study simultaneously found that fundamental factors proxied by the ratio of CAR, NIM, BOPO, LDR, and macro factors using SBI interest rates and exchange rates had a significant effect on ROA both in BUSND and foreign banks. In BUSND the independent variables for fundamental factors that have a significant effect on ROA are CAR, NIM, BOPO, and macro factors, namely the SBI interest rate, for foreign banks the results of the independent variables for fundamental factors that affect ROA are CAR, BOPO, and LDR . For the results of the Chow test, it was found that there was a significant difference between BUSND and foreign banks in terms of managing returns from the placement of bank assets (Return On Assets).

Co-Authors Aditya Achmad Rakim Dewi Pratiwi Aji Embun Duriany Soemarso Evi Rohmiati Hairul Anam Nabila Saskia Noer Rizky Nina Woelan Soebroto Nurseto Adhi Nurseto Adhi R. Gunawan Setianegara Saiful Ghozi, Saiful Sri Widiyati, Sri

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