Dwiningwarni, SS
Fakultas Ekonomi Universitas Darul 'Ulum Jombang

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ANALISIS PERBANDINGAN KINERJA KEUANGAN DENGAN METODE CAR ANTARA PT. BRI (Persero) Tbk DAN PT. BNI (Persero) Tbk YANG TERDAFTAR DI BEI Karimah, Anifatul; Dwiningwarni, SS; Masyhadi, H; Muhajir, Ali
eBA Journal: Journal Economics, Bussines and Accounting Vol 4 No 2 (2018): eBA JOURNAL
Publisher : Fakultas Ekonomi Universitas Darul 'Ulum Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32492/eba.v4i2.616

Abstract

Banks are financial institutions that play an important role in the economy of a country. Therefore, the existence of a healthy bank is very necessary. This study aims to compare the financial performance of Indonesian people's banks (BRI) and Indonesian state banks (BNI) based on financial ratio analysis listed on the Indonesia Stock Exchange for the period 2012-2016. The study uses the CAR (Capital Adequacy Ratio) method in which the ratio shows how far all bank assets that contain risks (credit, participation, securities, bills at other banks) are also financed from the bank's own capital funds in addition to obtaining funds from sources sources outside the bank, such as community funds, loans (debts), etc. ... The results of this study indicate that the CAR ratio in BRI is better than that of BNI banks. This proves that the CAR ratio and financial performance at BRI banks are better than BNI banks. Because it can manage capital as well as possible and accommodate the risk of loss. The results also show that BRI is better known to the lower middle class.
PENGARUH DESAIN PRODUK DAN STRATEGI PEMASARAN TERHADAP KEPUTUSAN PEMBELIAN PRODUK Dwiningwarni, SS; Anjarsari, Nur Maya; Syuhada', H.
eBA Journal: Journal Economics, Bussines and Accounting Vol 4 No 1 (2018): eBA JOURNAL
Publisher : Fakultas Ekonomi Universitas Darul 'Ulum Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32492/eba.v4i1.618

Abstract

This study aims to  analyze the impact of product design and marketing strategy to the purchasing decision partially, analyze the influence of design and marketing strategies on purchasing decisions simultaneously,  determine which variables are the dominant influence on purchasing decisions. The research approach used is positivism with quantitative data derived from respondents' answers collected through questionnaires. The method used is the Focus Group Discussion (FGD). The sampling technique used was simple random sampling and the number of samples taken as many as 100 respondents. Analysis of the data used is multiple linear regression with Ordinary Least Square method (OLS). The results of this study are the design of the product and marketing strategies significantly influence purchasing decisions partially, product design and marketing strategies significantly influence purchasing decisions simultaneously,  product design dominant influence on purchasing decisions. This means that companies must pay attention to the shape or design of a product to be manufactured or produced.