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ANALISIS TINGKAT KESEHATAN PERBANKAN YANG TERDAFTAR DI BURSA EFEK INDONESIA Hikmah Hikmah
COMPETITIVE Vol 6, No 1 (2022): Competitive Jurnal Akuntansi dan Keuangan
Publisher : Universitas Muhammadiyah Tangerang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/competitive.v6i1.4378

Abstract

Kesehatan bank dianggap sebagai upaya pengawasan bank untuk mengetahui tingkat kesehatan bank dalam melaksanakan berbagai aktivitas secara kontiniu serta mampu melaksanakan kewajiban sesuai dengan ketentuan yang berlaku. Tujuan dari penelitian ini adalah untuk menganalisis tingkat kesehatan bank yang terdaftar di Bursa Efek Indonesia periode 2017-2019. Pada penelitian yang dilakukan ini menggunakan metode pengumpulan data laporan keuangan dengan pendekatan Risk Based Bank Rating (RBBR) terhadap kinerja bank umum yang terdaftar di Bursa Efek Indonesia. Hasil penelitian menunjukkan bahwa indikator NPL, GCG, ROA, CAR dan keseluruhan bank umum yang terdaftar di Bursa Efek Indonesia berada pada kategori sehat.
PELAKSANAAN PENYELESAIAN KREDIT MACET SECARA NON LITIGASI (STUDI DI PT. BPR HASA MITRA) -, HIKMAH
Jurnal Cahaya Keadilan Vol 3 No 1 (2015): jurnal cahaya keadilan
Publisher : LPPM Universitas Putera Batam

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Abstract

Penelitian ini bertujuan untuk mengetahui faktor penyebab kredit macet dan mengetahui pelaksanaan penyelesaian kredit macet pada PT. BPR Hasa Mitra secara non litigasi. Untuk menjawab permasalah tersebut dilakukan penelitian normatif empiris dengan meneliti data primer dan data skunder, sehingga metode ini mencoba memperhatikan, mengkaji dan mengetahui pemberlakuan atau penerapan hukum dalam praktek di masyarakat. Dapat disimpulkan bahwa penyebab terjadinya kredit macet dapat disebabkan oleh faktor yang berasal dari Bank maupun dari Nasabah. Faktor dari perbankan meliputi kelemahan dalam analisis kredit, bank terlalu yakin dengan kemauan dan kemampuan nasabah, tidak memiliki informasi yang memadai khususnya karakter nasabah, dan kebijakan pimpinan. Faktor dari nasabah meliputi kelemahan karakter nasabah, kemampuan nasabah, persaingan usaha, usaha menurun atau bangkrut, nasabah memiliki hutang disana-sini. Penyelesaian Kredit bermasalah pada PT. BPR Hasa Mitra lebih ditekankan pada jalur non litigasi yaitu dengan upaya negosiasi yang dilakukan dengan cara Reschduling, Restrukturing dan Reconditioning.
PEMBINAAN PENGELOLAAN KEUANGAN KELUARGA DAN PENINGKATAN KEMAMPUAN BAHASA INGGRIS PADA IBU RUMAH TANGGA DI PERUMAHAN GRIYA TAHAP 1 BATU AJI Hikmah; Ance Jusmaya
PUAN INDONESIA Vol. 2 No. 1 (2020): Jurnal Puan Indonesia Vol.2 No. 1 Juli 2020
Publisher : ASOSIASI IDEBAHASA KEPRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (342.723 KB) | DOI: 10.37296/jpi.v2i1.28

Abstract

Being a housewife is a multi-tasking tasks and it is not an easy thing. In this case, a housewife has many roles such as should be a mother , a counselor for her daughter as well as taking care of everything. Besides, the mother is also a teacher. As we know that, the first teacher of a child is a mother. Then, the mother is also a financial manager and general administration at home. Many problems have been encountered, so a housewife tasks are very hard, in this case they have to harmonize and regulate the amount of income and increase in some basic needs and daily needs. Except the problems that regarding with financial management, the problem face also relates with the lack of knowledge of housewives in English. As a housewife needs an ability of English skill to help their children in studying later on. Those phenomenon happens in families who live in Griya Batu Aji stage 1.The solution offered housewife that a family financial management is very important for financial survival of a family. As a financial manager at home, a housewife must be able to manage expenditure and income posts. Besides, for teaching English, parents should implement a fun learning environment and learning strategies that can motivate children to learn English. A learning environment that suits the real-world context is needed so that parents can apply it to everyday learning activities with children.
Pengaruh Rasio Keuangan Altman Z-Score terhadap Financial Distres pada PT. CITRA TUBINDO, Tbk Hikmah Hikmah; Sri Afridola
Juripol (Jurnal Institusi Politeknik Ganesha Medan) Vol. 2 No. 1 (2019): Juripol Periode Januari 2019
Publisher : Politeknik Ganesha Medan

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Abstract

Perkembangan dan pertumbuhan perusahaan sangat ditentukan dengan kinerja keuangan. Rasio keuangan memgang peranan penting untuk menilai tingkat kesehatan perusahaan. Salah satu rasio yang digunakan untuk melihat financial distress perusahaan adalah metode altman Z-score. Penelitian ini dilakukan untuk mengetahui pengaruh rasio keuangan altman Z-score terhadap financial distress pada perusahaan Citra Tubindo, Tbk. Metode ini menggunakan laporan keuangan untuk di analisis dengan menggunakan variabel dari Z-Score.. Teknik analisis yang digunakan adalah model prediksi kebangkrutan Altman Z-score. Adapun hasil penelitian yaitu Variabel Working Capital to Total Asset (WC/TA) dan Variabel Earning Before Interest and Tax berpengaruh terhadap financial distress pada perusahaan PT Citra Tubindo, Tbk. Sedangkan, Variabel Retained Earning to Total Asset dan Sales to Total asset tidak berpengaruh terhadap financial distress.
PENGARUH KUALITAS, LOKASI DAN PELAYANAN TERHADAP KEPUTUSAN PEMBELIAN RUMAH PADA PT. PUTERA KARYASINDO PRAKARSA SARAH DESTARY SILABAN; HIKMAH .
JURNAL ILMIAH MAKSITEK Vol 5 No 2 (2020): JURNAL ILMIAH MAKSITEK
Publisher : LP2MTBM MAKARIOZ

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Abstract

In the world of marketing quality affects consumers in considering buying a product or service. Apart from quality, locationand service are also important. Strategic location and good service will make the demand for what is offered will increase butit is also inversely proportional if the location is not strategic and also the services provided are bad which will makeconsumers hinder their purchases. This study aims to determine the effect of quality, location and service on homepurchases at PT Putera Karyasindo Prakarsa. The data used in this study are primary data obtained through a questionnairewith a sample of 110 respondents from a population of 110 in 2019 that is distributed to consumers who make a homepurchase at PT Putera Karyasindo Prakarsa. The analytical method used is multiple linear regression analysis, using SPSSversion 22 which proves that quality, location and service have a positive effect on purchases with R Square value. Based onstatistical data, the indicators in this study are valid and the variables are reliable. The hypothesis of the t test shows thateach variable of quality, location and service significantly influences the purchase variable and has a t count greater than ttable. Then through the f test can be known that the quality, location and service variables simultaneously have an influenceon the purchase variable with the results of the calculated f value greater than f table.
Analisis Tingkat Literasi Keuangan, Experienced Regret, dan Risk Tolerance pada Keputusan Investasi di Batam Hikmah Hikmah; Mauli Siagian; Parlindungan Siregar
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 3 No 1 (2020): Volume 3 Nomor 1 Periode Januari 2020
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (145.46 KB) | DOI: 10.36778/jesya.v3i1.142

Abstract

Perkembangan perekonomian saat ini semakin berkembang dengan pesat seiring dengan perkembangan industri 4.0. Berada dalam revolusi industri saat ini sangat berkaitan dengan literasi keuangan yang ada di Indonesia terutama berkaitan dengan investasi dikota Batam. Sebagaian masyarakat berpikir untuk memperoleh pendapatan dari luar gaji selain dari tempat mereka bekerja. Salah satu jalan untuk memperoleh yakni dengan melakukan investasi. Dalam penelitian ini bertujuan untuk mengetahui tingkat literasi keuangan, experienced regret, dan risk tolerance pada keputusan investasi di Kota Batam. Populasi dalam penelitian ini adalah 2 kecamatan yang ada di Kota Batam yaitu Kecamatan Batu aji, kecamatan Sagulung. Metode pengumpulan data mengunakan kuesioner. Dengan mengunakan rumus Jacob cohen maka sampel dalam penelitian ini 204 respoenden. Reseponden dalam penelitian ini adalah masyarakat yang pernah melakukan investasi. Teknik penentuan sampel yang digunakan adalah purposive sampling. Adapun metode analisis yang digunakan mengunakan SEM dengan aplikasi SmartPLS. Hasil penelitian menunjukkan bahwa literasi keuangan berpengaruh secara signifikan dan positif terhadap keputusan investasi di kota Batam, experienced regret berpengaruh secara signifikan dan positif terhadap keputusan investasi di kota Batam, risk tolerance berpengaruh secara signifikan dan positif terhadap investasi di kota Batam.
PEMBINAAN IBU RUMAH TANGGA UNTUK MENDUKUNG PEREKONOMIAN KELUARGA MELALUI USAHA PEMBUATAN BROS hikmah hikmah; Ade Wilda Damanik
Jurdimas (Jurnal Pengabdian Kepada Masyarakat) Royal Vol 2, No 1 (2019): Januari 2019
Publisher : STMIK Royal

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (282.731 KB) | DOI: 10.33330/jurdimas.v2i1.276

Abstract

Some housewives in Batam City do not work, relying solely on income from their husbands. During this time, housewives use their free time to socialize and have a good time with their neighbors without producing anything useful, so it's time to take advantage of these habits in order to produce something to support their family's economy. In order for income housewives to have new knowledge and abilities, crafting activities are carried out by using patchwork. This training is carried out to use patchwork to have more selling value such as hijab accessories. This training was carried out twice, which was given the understanding of housewives about the use of patchwork and then given the practice of learning by doing. In the implementation of the service carried out by practicing directly how to make a brooch with several models of patchwork. Aside from the guidance of making brooches from patchwork, researchers also provide assistance in managing financial management, so that in the future it can be used as a home business that can help support the family's economy. From the results of the evaluation at the service of the mothers, thousands of households have been able to make patchwork brooches with several variations and models
ANALISIS FAKTOR YANG MEMPENGARUHI PROFITABILITAS BANK UMUM SWASTA NASIONAL DEVISA Hikmah Hikmah
Valuasi : Jurnal Ilmiah Ilmu Manajemen dan Kewirausahaan Vol. 2 No. 1 (2022): Jurnal Valuasi : Jurnal Ilmiah Ilmu Manajemen dan Kewirausahaan
Publisher : LP2M Universitas Bina Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46306/vls.v2i1.88

Abstract

This research was conducted with the aim to find out in part the Influence of Loan Deposit Ratio (LDR), Non Performing Loan (NPL), and Net Interest Margin (NIM) partially on profitability (ROA) on Private Foreign Exchange Banks listed on the Indonesia Stock Exchange. This research uses quantitative research methods with descriptive types of research. The population in the study was 28 private banks with a sample of 7 foreign exchange banks with a five-year research period ranging from 2017  - 2020. The sample selection technique uses the purposive sampling method. The results of the t test showed that LDR and NIM had a significant effect on ROA. The NPL has no significant effect on ROA. The F test results concluded that LDR, NPL, and NIM simultaneously had a significant effect on ROA
Pembinaan Financial Education Bagi Ibu Rumah Tangga Hikmah Hikmah; Dian Efriyenti; Khadijah Khadijah
Jurnal Pengabdian Masyarakat (abdira) Vol 1, No 2 (2021): Abdira, Oktober
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/abdira.v1i2.11

Abstract

Housewives have a very big role in determining the future, especially in the field of education. Therefore, there is a need for financial education for children and understanding of parents. Based on the observations of the servants before doing the service, housewives did not understand how to introduce financial education to children and families. This service will be carried out for 5 meetings with the material for each meeting will be different to solve existing problems. The methods given during this service are lectures, tutorials and exercises. The housewives of Bengkong Permai Housing after the service have knowledge and understanding related to financial education, this can be seen from the exercises carried out at the end of the meeting. It is hoped that the results of the activities carried out by housewives can be useful for families and introduce financial education to children and families in order to create good family financial health.
Prediksi Kebangkrutan Dengan Altman Z-Score dan Harga Saham pada Perusahaan Manufaktur Hikmah Hikmah
Perisai : Islamic Banking and Finance Journal Vol 2 No 2 (2018): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v2i2.1630

Abstract

Bankruptcy Prediction With the Altman Z-Score Method and the stock price on Manufacturing Company. This research aims to analyze the bankruptcy prediction on stock prices in manufacturing company of basic industry sector and chemical sub-sector of metals that listed in Indonesia Stock Exchange for the period of 2015-2017. The sampling method was done with purposive sampling which then determined 15 companies as sample. Sources of data used are secondary data in the form of financial report published in BEI. Data analysis used data panel regression using eviews version 8. These result shows that Altman Z-Score variable: 1) Working capital to total assets, 2) Retained earning to total assets, 3) Earning before interest and taxes to total assets, 4) Market value of equity to book value of total debts, and 5) Sales to total assets significantly influence stock prices in the metal subsector on the Indonesia Stock Exchange, the average company is in the gray area