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ANALISIS KINERJA KEUANGAN PT BANK CENTRAL ASIA TBK PERIODE TAHUN 2015 – 2019 Sabri Nurdin
Jurnal Eksis Vol 17, No 1 (2021): Vol 17 No. 1 April 2021
Publisher : Politeknik Negeri Samarinda

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Abstract

This research was conducted with the aim of knowing the development of the financial performance of PT Bank Central Asia Tbk for five consecutive years, namely from 2015 to 2019. This type of research is quantitative, namely the source of data used is from external sources and is secondary data derived from of summary financial statements. The data analysis technique used is the ratio analysis technique with the horizontal method, namely by comparing the financial statements of several periods so that the development of the bank's financial performance will be seen.Based on the ratio analysis that has been done, namely the capital ratio, liquidity ratio, and profitability ratio, the results show that. Where the performance capital ratio is good (healthy) because the resulting value exceeds the minimum stipulation for a healthy bank, which is a minimum of 8%. For the liquidity ratio, the development performance is also good (healthy), that is, it does not exceed the provisions set by Bank Indonesia, which is smaller than 110%, and for the profitability ratio for the development of good performance (healthy) because the resulting ROA value exceeds the standard set by Bank Indonesia, namely 1, 5% and the resulting BOPO is also below 93.5% as stipulated by Bank Indonesia.Key woods : the financial performance, the capital ratio, liquidity ratio, and profitability ratio.
PENERAPAN METODE RGEC DALAM MENILAI TINGKAT KESEHATAN DAN KINERJA PT. BANKALTIMTARA PERIODE TAHUN 2015 – 2019 Sabri Nurdin
Jurnal Eksis Vol 16, No 1 (2020): Vol 16, No 1 (2020)
Publisher : Politeknik Negeri Samarinda

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Abstract

The good performance of bank is required to maintain public confidence so the health bank level is maintained. This research’s purpose is to knowing and analyzing the health level and the performance of PT. Bankaltimtara. using the approach of RGEC (Risk Profile, Good Corporate Governance, Earnings and Capital) period of 2015-2019. The method used in this research is descriptive method with quantitative approach. The result of this research are assessment of performance and health levels on Risk Profile’s factors as measured by the ratio of NPL and  can be categorized as good, but in ratio of LDR was not good because it has a very high LDR. Assessment of performance and health levels on Good Corporate Governance (GCG)’s factors overall can be categorized as good. Assessment of performance and health levels on Earning’s factors that was measured using ROA ratio can be be categorized as good categorized as good. The ratio of NIM can be categorized as excellent. The Ratio of BOPO can be categorized as good Assessment of performance and health levels on Capital’s factor that are measured using the CAR can be categorized as excellent Keywords: Performance Bank, Bank Health Level, Risk Profile, Good Corporate                   Governance, Earning, and Capital (RGEC) Method
ANALISIS PERBANDINGAN SISTEM DAN PROSEDUR PEMBERIAN KREDIT BANK BRI KONVENSIONAL DAN PEMBIAYAAN MURABAHAH PADA BANK BRI SYARIAH SAMARINDA Sabri Nurdin; Rafiqoh Rafiqoh; Diana Indriyani Lasabuda
Jurnal Eksis Vol 15, No 2 (2019)
Publisher : Politeknik Negeri Samarinda

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Abstract

This study aims to compare the conventional lending of Bank BRI Conventional and murabahah financing at Bank BRI Syariah Samarinda. The result of the research data are arranged, grouped, then interpreted to obtain a clear flowchart description of the system and proceduresfor conventional lending at Bank BRI Conventional Samarinda and Bank BRI Syariah Samarinda, interviews with bank employees and staff.The result showed that comparative analysis of systems and procedures for granting credit to Bank BRI Conventional and Banl BRI Syariah Samarinda showed that there were two differences in the first Customer Service function in conventional banks and the second if customer funds were liquid. Keywords: System and Procedure, Credit, Bank Conventional And Syariah, Flowchart.
PENGARUH CURRENT RATIO, DEBT TO EQUITY RATIO, DAN TOTAL ASSETS TURNOVER TERHADAP RETURN ON ASSETS PADA PERUSAHAAN KONSTRUKSI YANG TERDAFTAR DI BURSA EFEK INDONESIA Sabri Nurdin; Yunus Tulak Tandirerung; Jayana Hurairah
Jurnal Eksis Vol 16, No 2 (2020): Vol 16, No 2 (2020)
Publisher : Politeknik Negeri Samarinda

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Abstract

This research aimed to investigate the impact among Current Ratio, Debt to Equity Ratio and Total Assets Turnover of Return On Assets at the construction companies listed in Indonesia Stock Exchange. There are two independent variables (X) used in this research, that is Current Ratio (X1), Debt to Equity Ratio (X2), and Debt to Assets Ratio (X3) while Return On Assets as the dependent variable (Y). The research population is the whole construction sector companies listed in Indonesia Stock Exchange. while the sampling used purposive sampling technique. Financial statement data collection form 2014 to  2018 used documentation techniques. The data collected were analyzed by the equation of each financial ratio, then processed by using classic assumption test, multiple regression analysis, coefficient of determination analysis, t-test and f-test. Based on the t-tes obtained result that the Current Ratio have positive and not significant influence to Return On Assets, Debt to Equity Ratio have negative and not significant influence to Return On Assets and Total Assets Tirnover  have positive and significant influence to Return On Assets. While from the result of f-test obtained the Farithmetic is lower than the Ftable value (11,252 > 2,83) which means that simultaneously Current Ratio, Debt to Equity Ratio, and Total Assets Turnover have significant influence to Return On Assets.  Keywords: Current Ratio, Debt To Equity Ratio, Total Assets Turnover, Return On Assets.
ANALISIS PENILAIAN KINERJA KEUANGAN PT BANK CENTRAL ASIA Tbk PERIODE TAHUN 2016 – 2020 Sabri Nurdin; Makmur Marzuki
Jurnal Eksis Vol 17, No 2 (2021): Vol 17 No. 2 Oktober 2021
Publisher : Politeknik Negeri Samarinda

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Abstract

This research was conducted with the aim of knowing the development of the financial performance of PT Bank Central Asia Tbk for five consecutive years, namely from 2016 to 2020. This type of research is quantitative, namely the source of data used is from external sources and is secondary data derived from of summary financial statements. The data analysis technique used is the ratio analysis technique with the horizontal method, namely by comparing the financial statements of several periods so that the development of the bank's financial performance will be seen.Based on the ratio analysis that has been done, namely the capital ratio, liquidity ratio, and profitability ratio, the results show that. Where the performance capital ratio is good (healthy) because the resulting value exceeds the minimum stipulation for a healthy bank, which is a minimum of 8%. For the liquidity ratio, the development performance finacial is also good (healthy), that is, it does not exceed the provisions set by Bank Indonesia, which is smaller than 110%, and for the profitability ratio for the development of good performance (healthy) because the resulting ROA value exceeds the standard set by Bank Indonesia, namely 1, 5% and the resulting BOPO is also below 93.5% as stipulated by Bank Indonesia. Key woods : the financial performance, the capital ratio, liquidity ratio, and profitability ratio.
Pelatihan Pengelolaan Bisnis Usaha Mikro Keripik Pisang Desa Air Putih Kecamatan Samarinda Ulu Rifadin Noor; Sabri Nurdin; Makmur Marzuki
Jurnal ETAM Vol. 3 No. 1 (2023): APRIL
Publisher : Politeknik Negeri Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46964/etam.v3i1.342

Abstract

Salah satu cara untuk meningkatkan jumlah usaha di lingkungan Yosowilangun Lor khususnya adalah dengan meningkatkan sektor kewirausahaan di sektor makanan dan minuman yaitu produk keripik dan jamu. Akan tetapi terdapat permasalahan pada umumnya yang mengitari pengusaha–pengusaha tersebut yang menghambat pertumbuhannya meliputi beberapa hal mendasar seperti; lemahnya mental berwirausaha, ketertutupan dan ketidakjelasan entitas, akuntabilitas, pemasaran, keterikatan yang kuat pada tradisi sehingga kurang tanggap dan adaptif terhadap tuntutan perubahan, ketertinggalan teknologi, dan cenderung mengabaikan mutu. Dengan demikian kegiatan Pengabdian Masyarakat diselenggarakan berupa pelatihan mengenai pelatihan bidang pemasaran dan konsep kewirausahaan. Metode pelaksaan kegiatan terdiri dari tiga tahap. Pertama tahap persiapan, Tahap kedua yaitu tahap pelaksanaan program berupa pelatihan. Tahap ketiga yaitu tahap evaluasi dan pelaporan.
Pendampingan Penyusunan Harga Pokok Produksi dan Pengelolaan Keuangan bagi Pelaku UMKM “Win Bakery” di Samarinda Makmur; Sabri Nurdin; Rifadin Noor
Jurnal ETAM Vol. 3 No. 1 (2023): APRIL
Publisher : Politeknik Negeri Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46964/etam.v3i1.349

Abstract

Kegiatan pengabdian ini memiliki dua tujuan, yaitu (1) memberikan pemahaman kepada para pelaku UMKM di Samarinda tentang arti pentingnya menghitung harga pokok produksi dan melakukan pencatatan ke dalam jurnal dengan benar, (2) memberi pelatihan dan mendampingi pelaku UMKM agar mampu menghitung harga pokok produksi dengan benar. Berdasarkan komunikasi awal dengan calon mitra diperoleh informasi tentang masalah yang dihadapi pelaku UMKM di Samarinda yaitu belum dipahaminya manfaat perhitungan harga pokok produksi sehingga mereka umumnya tidak melakukan perhitungan harga pokok produksi. Mereka menetapkan harga jual berdasarkan harga di pasaran, sehingga mereka tidak dapat menghitung berapa laba/rugi sebenarnya dari kegiatan usaha mereka. Solusi yang ditawarkan untuk memecahkan masalah tersebut adalah memberikan pelatihan dan pendampingan dalam perhitungan harga pokok produksi. Metode kegiatan yang digunakan dalam pengabdian ini adalah (1) ceramah untuk menyampaikan konsep perhitungan harga pokok produksi dan pencatatan dalam jurnal dan (2) kasus untuk memberikan contoh praktik menghitung harga pokok produksi, serta (3) melakukan pendampingan di lapangan. Berdasarkan hasil evaluasi terhadap kegiatan, diperoleh informasi tingkat pemahaman pemilik Usaha terhadap materi yang diberikan sebesar 65%. Selanjutnya Tim pengabdian melakukan pendampingan di lapangan
Analisis Faktor Penyebab Terjadinya Kredit Macet pada PT Bank Rakyat Indonesia (Persero) Tbk Unit Sangasanga Periode Tahun 2015-2018 Sabri Nurdin; Khairil Akbar; Risma Noormawati
Jurnal EKSIS Vol. 18 No. 2 (2022): OCTOBER
Publisher : Politeknik Negeri Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46964/eksis.v18i2.306

Abstract

This research aims to analyze and determine the effect of 5C Principles, namely: Character (X1), Capacity (X2), Capital (X3), Collateral (X4), and Condition of Economy (X5) on bad credit (Y) at PT Bank Rakyat Indonesia (Persero) Tbk Sangasanga Unit for the period 2015-2018. This research was conducted in Sangasanga District, Kutai Kartanegara Regency. In this research using primary data obtained from the distribution of the Sangasanga Unit BRI customer questionnaire as many as 100 respondents. Sampling is done by probability sampling technique using Slovin formula. The type of data in this study is quantitative data and uses the method of multiple linear regression analysis analyzed in statistics with the help of SPSS version 23. Testing of the hypothesis used is a partial statistical test (t test) and simultaneously (f test). Partial test results in this study indicate that Character has a positive and significant effect on bad credit, Condition of Economy has a positive and significant effect on bad credit, while Capacity has a negative and not significant effect on bad credit. Capital has a negative and insignificant effect, Collateral has no effect negative and not significant to the existence of bad credit. Simultaneous test results show a significance value of 0,000 which means that Character (X1), Capacity (X2), Capital (X3), Collateral (X4), and Condition of Economy (X5) have a joint effect on bad credit (Y) on PT Bank Rakyat Indonesia (Persero) Tbk Sangasanga Unit.
Penerapan Prinsip 5C Upaya Memperkecil Resiko Kredit Macet terhadap Penyaluran Kredit pada PT Bankaltimtara Unit Samarinda Sabri Nurdin
Jurnal EKSIS Vol. 19 No. 1 (2023): APRIL
Publisher : Politeknik Negeri Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46964/eksis.v19i01.390

Abstract

Penerapan Prinsip 5C Terhadap Pemberian Keputusan Kredit Di PT. Bankaltimtara Kantor Unit Samarinda. Berdasarkan ketentuan BI penyaluran kredit didasarkan pada prinsip kehati-hatian. Bentuk penerapan prinsip kehati-hatian adalah penyaluran kredit kepada debitur yang didasarkan pada prinsip 5C. Penelitian ini bertujuan untuk : (1) mengetahui bagaimana penerapan prinsip 5C terhadap pemberian keputusan kredit pada PT. Bankaltimtara Kantor Unit Samarinda ; (2) unsur C manakah yang paling dominan dalam pemberian kredit pada PT. Bankaltimtara Kantor Unit Samarinda. Jenis data yang digunakan yaitu data sekunder. Metode pengumpulan data meliputi : (1) Diskusi Langsung; (2) Observasi; (3) Studi literatur. Hasil penelitian menunjukkan dalam memberikan kredit kepada nasabah, terlebih dahulu melakukan penilaian kepada calon debitur dengan menggunakan prinsip analisis 5C (the five c’s of credit) : Penilaian Watak (Character): merupakan keadaan watak/sifat calon debitur, baik dalam kehidupan pribadi, maupun dalam lingkungan usaha. Penilaian Kemampuan (Capacity): merupakan suatu penilaian kepada calon debitur mengenai kemampuan melunasi kewajiban. Penilaian terhadap modal (Capital): kondisi kekayaan yang dimiliki oleh perusahaan yang dikelolanya efektif atau tidak menggunakan modal tersebut. Penilaian terhadap agunan (Collateral): jaminan yang diberikan calon nasabah baik yang bersifat fisik maupun nonfisik. Penilaian terhadap prospek usaha debitur (Condition of Economy): Penilaian kondisi atau prospek dibidang usaha yang di biayai memiliki prospek yang baik sehingga kemungkinan terjadi kredit bermasalah relatif kecil.