I Gusti Bagus Wiksuana
Fakultas Ekonomi dan Bisnis , Universitas Udayana, Bali

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Journal : E-Jurnal Ekonomi dan Bisnis Universitas Udayana

VARIABEL KEUANGAN YANG MEMBEDAKAN TINGKAT LIKUIDITAS BANK UMUM DI BURSA EFEK INDONESIA A.A.AYU DIAH AMBARAWATI; I Gusti Bagus Wiksuana; Luh Gede Sri Artini
E-Jurnal Ekonomi dan Bisnis Universitas Udayana VOLUME.06.NO.12.TAHUN 2017
Publisher : Fakultas Ekonomi dan Bisnis Universitas Udayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (464.138 KB) | DOI: 10.24843/EEB.2017.v06.i12.p04

Abstract

This research developed a research model that aims to explain financial ratio that can differentiate the liquidity level of commercial banks, and identify the financial ratios which among the financial ratios that sever the most dominant to sever the liquidity level of banks listed on the IDX period 2010-2014. The independent variables in the research are bank financial ratios of bank size, NWC, CAR, ROA, ROE and NPL. Dependent variable used in this research is liquidity ratio with Loan to Deposit Ratio (LDR) indicator. The data analysis in this research uses discriminant analysis technique. Based on discriminant test with simultaneous method, the discriminant model of Unstandardized Canonical Discriminant Function (UCDF) can classify two groups of commercial banks based on their discriminant value by exactly 69.2% of the total sample or classification error of 30,8%. The result of research indicate from the six independent variables in this research, only 3 (three) variables have significance value <0,1 so it can sever liquidity level of commercial bank. Variables that can differentiate the liquidity level of the commercial banks are CAR (sig = 0.061), NPL (sig = 0.067) and NWC (sig = 0.074). CAR variable with the lowest significance value shows that the most dominant variable sever the liquidity level of commercial banks listed BEI.
KINERJA PT BANK PERKREDITAN RAKYAT (BPR) NAGA BERBASIS BALANCED SCORECARD DI GIANYAR Ida Ayu Suryaningrat Intan Sari; I Gusti Bagus Wiksuana; Luh Gede Sri Artini
E-Jurnal Ekonomi dan Bisnis Universitas Udayana VOLUME.05.NO.04.TAHUN 2016
Publisher : Fakultas Ekonomi dan Bisnis Universitas Udayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (130.776 KB)

Abstract

Balanced Scorecard merupakan sebuah konsep manajemen yang mengukur kinerja perusahaan melalui empat perspektif. Keempat perspektif ini mewakili tiga stakeholder utama dari perusahaan yaitu para pemegang saham, customers dan para karyawan. Penelitian ini merupakan studi kasus untuk mengetahui penilaian kinerja PT BPR NAGA berbasis balanced scorecard dari tahun 2011 sampai tahun 2014. Berdasarkan penelitian yang dilakukan diperoleh hasil pada perspektif keuangan, empat rasio keuangan yang digunakan yaitu NPL, LDR, BOPO dan ROA menunjukkan kondisi yang sehat. Perspektif pelanggan walaupun terjadi penurunan tingkat pertumbuhan nasabah tetapi tingkat kepuasan nasabah berada dalam kondisi puas. Perspektif proses bisnis internal berdasarkan rasio realisasi kredit dan service cycle efficiency (SCE) menunjukkan adanya peningkatan dalam penyaluran kredit ke masyarakat. Perspektif Pembelajaran dan Pertumbuhan baik tingkat employee retention dan tingkat kepuasan karyawan menunjukkan hasil yang puas. Secara keseluruhan penilaian kinerja PT BPR NAGA berbasis balanced scorecard berada dalam kondisi baik dengan nilai indeks komposit yang diperoleh sebesar 3,012.
REAKSI PASAR TERHADAP KEMENANGAN JOE BIDEN DALAM PEMILIHAN UMUM PRESIDEN AMERIKA SERIKAT TAHUN 2020 DI EMERGING MARKET Anak Agung Ayu Mas Radha Rani Dewi; I Gst. Bgs. Wiksuana
E-Jurnal Ekonomi dan Bisnis Universitas Udayana VOLUME.11.NO.08.TAHUN.2022
Publisher : Fakultas Ekonomi dan Bisnis Universitas Udayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/EEB.2022.v11.i08.p08

Abstract

This study aims to determine the market reaction to the events of Joe Biden's victory in the United States presidential election in 2020, especially in the emerging market, namely Indonesia and the Philippines. This research uses an event study approach with a 11 day event window. The research sample is based on purposive sampling as many as 22 multinational companies that are members of the LQ45 Index, and 14 multinational companies that are members of the PSE Composite Index. The hypothesis test used in this research is One Sample t-test and Paired Sample t-test. The results of this study indicate (1) There is a market reaction in the form of significant abnormal returns around events in Indonesia and the Philippines (2) There is no difference in abnormal returns before and after events, both in Indonesia and the Philippines. The results of this study can show that the capital market in Indonesia and the Philippines can be in the form of an informational semi-strong form of efficiency market. The results of this study can be used as a consideration for investors in calculating the risk of non-economic issues that affect the capital market.
PENGARUH PENILAIAN KEPRIBADIAN DAN KAPASITAS NASABAH TERHADAP PERSETUJUAN KREDIT DI PERUSAHAAN PEMBIAYAAN HOME CREDIT Tiffany Fransisca Heleni Ratu; I Gusti Bagus Wiksuana
E-Jurnal Ekonomi dan Bisnis Universitas Udayana VOLUME.12.NO.01.TAHUN.2023
Publisher : Fakultas Ekonomi dan Bisnis Universitas Udayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/EEB.2023.v12.i01.p06

Abstract

During the Covid-19 pandemic in 2020, the Home Credit company has changed its credit acceptance scheme to adapt to current conditions. This is where every potential user of the Home Credit fintech application who wants to apply for credit requires an attachment regarding capacity. In addition to capacity, the Home Credit application also requires personal data as one of the guarantees for the proposed loan. The purpose of this study was to determine the effect of the personality of the prospective debtor on the approval of credit applications at the Home Credit financing company in the Denpasar city area and to determine the effect of the debtor's capacity on the approval of the loan application at the Home Credit financing company in the Denpasar city area. This research method uses quantitative data analysis techniques with multiple linear regression methods. The conclusion of the study is that there is a positive and partially significant effect between Personality on Credit Approval at Home Credit in Denpasar City and there is a partially positive and significant influence between Customer Capacity on Credit Approval at Home Credit in Denpasar City.