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PENGARUH TRANSAKSI ELECTRONIC BANKING TERHADAP FEE BASED INCOME PADA PT BANK CIMB NIAGA, Tbk PERIODE 2014 – 2017 Oliviani Rizki Arisanti; Prihatiningsih Prihatiningsih
KEUNIS Vol 7, No 1 (2019): JANUARI 2019
Publisher : FInance and Banking Program, Accounting Department, Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (346.525 KB) | DOI: 10.32497/keunis.v7i1.1534

Abstract

This study aimed to knowing the effect of electronic banking transactions to fee based income PT. Bank CIMB Niaga, Tbk. The strategy that was used in this research was  associative strategy or relations effect. The method  was used in this research was ex post de facto. The subject in this research is PT. Bank CIMB  Niaga, Tbk from the merger company that is between Bank Niaga with the Lippo Bank until now. Sample that was used is the e-banking transactions and fee based  income of  PT. Bank CIMB Niaga, Tbk for 4 years (year 2014-2017).  The variable that was researched covered the free variable that is the e-banking transactions.  Whereas the variable was tied was fee based income.  This study was carried out by using the analysis technique of simple linear regression  and for the data processing used spss the version 16,0. Were based on results of the testing of the hypothesis α = 5%  df = n-k =2  was received t table is 4.302 and tcounted is 11,855 (t counted > t table) so the conclution H0 was refused and Ha  was accepted, that means there is positive and significant influence the e-banking transactions to fee based income PT. Bank CIMB Niaga, Tbk.
ANALISIS PENGARUH LIKUIDITAS, STRUKTUR AKTIVA, FREE CASH FLOW, DAN UKURAN PERUSAHAAN TERHADAP KEBIJAKAN UTANG (DER) PADA PT JASA MARGA Tbk PERIODE 2009-2018 Anita Kristina; Prihatiningsih Prihatiningsih; Ida Savitri Kusmargiani
KEUNIS Vol 7, No 2 (2019): JULI 2019
Publisher : FInance and Banking Program, Accounting Department, Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (464.175 KB) | DOI: 10.32497/keunis.v7i2.1588

Abstract

This research is based on the problems of the company PT Jasa Marga Tbk which has a problem with the performance of the company which is indicated by the DER of companie increased during the period 2009-2018. The purpose of this research is to analyze the influance of direction and significance of Liquidity, Asset Structure, Free Cash Flow and Company Size on Debt Policy (DER) in PT Jasa Marga Tbk for the period 2009-2018. The population and sample in this study were PT Jasa Marga Tbk. The analysis model used in this study is a multiple linear regression model. The results of the multiple linear regression analysis showed that (1) the influance of Liquidity (CR) on Debt Policy (DER) was positive and significant (2) the influance Asset Structure on Debt Policy (DER) was negative and not significant (3) the influance of Free Cash Flow on Debt Policy (DER) is positive and significant (4) the influance of Company Size on Debt Policy (DER) is positive and significant.
DETERMINASI MANAJEMEN KEUANGAN PRIBADI MAHASISWA Prihatiningsih Prihatingsih
KEUNIS Vol 9, No 1 (2021): JANUARI 2021
Publisher : FInance and Banking Program, Accounting Department, Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (2400.67 KB) | DOI: 10.32497/keunis.v9i1.2157

Abstract

This study aims to find out and analyze the factors that affect students' financial management ability. A sample of 100 students from Politeknik Negeri Semarang, Universitas Diponegoro dan Universitas Negeri Semarang with multiple Linear regression analysis tools after passing the validity test, reliability test and classic assumption test. Based on statistical test results obtained, financial education variables, financial literacy, academic ability, and work experience have a positive and significant effect on student personal financial management variables.
ANALISIS KINERJA KEUANGAN DITINJAU DARI ASPEK RISIKO LIKUIDITAS, RASIO RENTABILITAS, DAN RASIO PERMODALAN PADA PT BANK DANAMON INDONESIA Tbk. PERIODE TAHUN 2014-2018 Anis Rahma Ayuningtyas; Prihatiningsih Prihatiningsih; Nina Woelan Soebroto
KEUNIS Vol 8, No 2 (2020): JULI 2020
Publisher : FInance and Banking Program, Accounting Department, Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (363.835 KB) | DOI: 10.32497/keunis.v8i2.2116

Abstract

This study aims to describe the results of the ranking and calculation of bank financial performance based on Liquidity Risk, Profitability Ratio and Capital Ratio at PT Bank Danamon Indonesia Tbk. period of 2014 - 2018. This Final Project uses descriptive writting method with a qualitative and quantitative approach and in collecting data using the published documentation method. This study uses secondary data obtained from PT Bank Danamon Indonesia Tbk. in the form of financial statements. Variables in this study are on liquidity risk using a Loan to Deposit Ratio (LDR), profitability ratio using Return On Assets (ROA) and Net Interest Margin (NIM). ), while the capital ratio uses the Capital Adequacy Ratio (CAR). The results of the study show that financial performance at PT Bank Danamon Indoneisa Tbk. period of 2014 - 2018 viewed from liquidity risk (LDR) is ranked 3 (three) or Moderate. ROA is ranked 1 (one) or very adequate in 2014, in 2015 was ranked 2 (two) or adequate, and in 2016-2018 was ranked 1 (one) or very adequate. NIMs in 2014-2018 were ranked 1 (one) or very adequate even though they experienced an increase and decrease in the value of the ratio and CAR in 2014-2018 was ranked 1 (one) or very adequate. The results of this study are expected to provide an overview to the bank stakeholders regarding the soundness of the bank.
Studi Analisis Fenomena January Effect Saham Bank Umum Pemerintah Periode 2016-2019 Prihatiningsih Prihatiningsih; Mohammad Rois
Jurnal Pasar Modal dan Bisnis Vol 3 No 1 (2021)
Publisher : The Indonesia Capital Market Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37194/jpmb.v3i1.65

Abstract

This study aimed to analyze whether there are seasonal anomalies (January Effect) on Stock Company Banking is included in LQ-45 and listed in Indonesia Stock Exchange Period of 2016 - 2019, by seeing of differences in stock returns and trading volume activity in January with other months. The population of this study are Stock of Companies is included in the LQ-45 listed in the Indonesia Stock Exchange, which 3 companies have been selected as the sample using purposive sampling techniques. Data analysist techniques are performed by One Way ANOVA and Non Parametric Kruskall Wallis test. The result of analysist showed that there were significant differences in stock return in January with other months, and there were significant differences too in trading volume activity in January with other months, but the stock return and trading volume activity in January isn’t the highest among other months, so that the January Effect was not shown to occur in the Banking Companies is included in the LQ-45 and listed in Indonesia Stock Exchange Periods of 2016-2019
ANALISIS TINGKAT KEPUASAN PELANGGAN MOBILE PAYMENT Prihatiningsih Prihatiningsih; Ida Savitri Kusmargiani; Nina Woelan Soebroto
Jurnal Aktual Akuntansi Keuangan Bisnis Terapan (AKUNBISNIS) Vol 3, No 2 (2020): VOL 3 No 2 November 2020
Publisher : Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32497/akunbisnis.v3i2.2149

Abstract

Electronic money is a payment system that has been adopted and developed in the banking world. An example of electronic money is e-Toll Card, BCA Flazz, GazCard, BNI TapCash, BRI BRIZZI, BTN Blink and others. The use of electronic money as an innovative and practical means of payment is expected to help smooth payments for mass, fast and micro economic activities, so that their development can help smooth transactions on toll roads, in the field of transportation such as trains or other public transportation or transactions in mini. market, food court or parking. The problem in this study is the gap between smartphone users and mobile payment users, complaints from mobile payment users, and differences in the results of previous studies. The purpose of this study is to analyze the significance of the effect content, accuracy, format, timeliness and easy of use either simultaneously or partially on customer satisfaction mobile payment formulate and user satisfaction mobile paymentlevels. The population in this study wereusers mobile payment using purposive sampling technique, the sample in this study was the Semarang State Polytechnic Student who used the Dana.OVO, dan Go Pay application. using theanalysis method Satisfactio End User Computing.
ANALISIS PENGARUH DIVIDEND PAYOUT RATIO, RETURN ON EQUITY, FIXED ASSET TURNOVER, DAN SALES GROWTH TERHADAP KEBIJAKAN HUTANG (DER) Yuliana Pratiwi; Prihatiningsih Prihatiningsih; Ida Savitri
Jurnal Aktual Akuntansi Keuangan Bisnis Terapan (AKUNBISNIS) Vol 5, No 2 (2022)
Publisher : Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32497/akunbisnis.v5i2.4065

Abstract

This study is based on the problems of consumer goods which is written in the Indonesia Stock Exchange and has a problem with the performance of the company which is shown with the debt level of companies that experienced an upward trend during the period 2013 – 2018. The purpose of this research is to analyze the direction of influence and significance of dividend payout ratio, return on equity, fixed asset turnover, and sales growth toward debt policy at consumer goods industry companies listed in Indonesia Stock Exchange during the period 2013-2018. The population in this research is consumer goods industry companies listed in Indonesia Stock Exchange and sample in this research is 7 (seven) companies at the consumer goods industry companies which is chosen by purposive sampling. Analyze model used in this research is multiple linear regression dated panel analysis model that operated by software eviews 10. The result of the multiple linear regression analysis dated panel model show that (1) The effect of dividend payout ratio toward debt policy is negative and significant (2) The effect of return on equity toward debt policy is positive and significant (3) The effect of fixed asset turnover toward debt policy is negative and significant (4) The effect of sales growth toward debt policy is negative and significant.
STRATEGI INVESTASI SAHAM DI BURSA EFEK INDONESIA DENGAN ANALISIS TEKNIKAL Prihatiningsih Prihatiningsih; Embun Duriany; Aris Sunindyo; Moch Abdul Kodir
Jurnal Aktual Akuntansi Keuangan Bisnis Terapan (AKUNBISNIS) Vol 5, No 2 (2022)
Publisher : Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32497/akunbisnis.v5i2.4060

Abstract

The purpose this research are to know the movement of stock prices and determine the right time to buy, sell or hold shares of PT. Bank Rakyat Indonesia (Persero) Tbk in Januari – September 2021. This research method is descriptive method. The data used is secondary data in the form of daily time series data during February 2019 to January 2020. The analysis method uses technical analysis with the Moving Average (MA), Relative Strength Index (RSI) and Bollinger Band indicators. The results of the study show stock price movements and the right time to buy, sell and hold stocks which can be read using three indicators, namely Moving Average (MA), Relative Strength Index (RSI), and Bollinger Bands.
THE EFFECT OF PROFITABILITY RATIOS ON SHARE PRICES OF PERSERO COMMERCIAL BANKS IN INDONESIA FOR PERIOD 2017-2021 Nuril Romadhoni; Prihatiningsih Prihatiningsih; Septian Yudha Kusuma
Dinamika Akuntansi Keuangan dan Perbankan Vol 11 No 2 (2022): Vol. 11 No. 2 2022
Publisher : Faculty of Economic and Business Universitas STIKUBANK

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35315/dakp.v11i2.9108

Abstract

This study aims to measure the effect of the variables Return On Asset (ROA), Return On Equity (ROE), Net Profit Margin (NPM) on the Stock Price of Persero Commercial Banks in Indonesia in 2017-2021. The number of samples consists of 4 banks obtained using the total sampling technique. The data used is secondary data obtained from the Quarterly Financial Statements published on the official website of PT Bank Negara Indonesia (Persero) Tbk, PT Bank Mandiri (Persero) Tbk, PT Bank Rakyat Indonesia (Persero) Tbk, and PT Bank Tabungan Negara (Persero) Tbk during of the period 2017-2021. The data analysis model used is multiple linear regression analysis using SPSS 25.00 software. In contrast, hypothesis testing uses data analysis techniques, namely the coefficient of determination (Adjusted R2), F test and t-test. Based on the results of the coefficient of determination test (Adjusted R2), it shows that Return On Assets (ROA), Return On Equity (ROE), and Net Profit Margin (NPM) contribute an influence of 0.36 or 36% to the stock price. In comparison, 0.64 or 64% is explained by other variables outside the research model. F-test results show that Return On Assets (ROA), Return On Equity (ROE), and Net Profit Margin (NPM) simultaneously have a significant effect on stock prices. Based on the results of the t-test shows that the variables Return On Assets (ROA), Return On Equity (ROE), Net Profit Margin (NPM) partially have a significant effect on the Share Price at Persero Commercial Banks in Indonesia for the period 2017-2021.
KINERJA KEUANGAN BERDASARKAN PROSES BISNIS INTERNAL PERUSAHAAN DENGAN METODE BALANCED SCORECARD PADA PERUSAHAAN BERBAGAI SEKTOR DENGAN KAPITALISASI TERTINGGI DI BURSA EFEK INDONESIA TAHUN 2020-2021 Th. Tyas Listyani; Novi Meherizca Choirun Nisak; Prihatiningsih Prihatiningsih
KEUNIS Vol 11, No 1 (2023): JANUARY 2023
Publisher : Finance and Banking Program, Accounting Department, Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32497/keunis.v11i1.3810

Abstract

This study aims to analyze financial performance based on the company's internal business processes using the balanced scorecard method in various sector companies with the highest capitalization on the Indonesia Stock Exchange which experienced a decline in profits in 2020-2021. This research design is a descriptive applied quantitative research with ASII, BBCA, and TLKM samples. The analytical method used is the Balanced Scorecard Method with four perspectives. The results of the analysis show that ASII 2020 results in a final total score of 50% in the BBB category and unhealthy conditions, ASII 2021 at 57% in the BBB category and unhealthy conditions, BBCA 2020 at 62% in the BBB category and unhealthy conditions, BBCA 2021 by 74% with category A and very healthy condition, TLKM 2020 by 58% with category BBB and unhealthy conditions, and TLKM 2021 by 71% with category A and very healthy condition.