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All Journal Jurnal Media Informasi Manajemen Inovasi : Jurnal Ekonomi, Keuangan, dan Manajemen Bahtera Inovasi Jurnal Ekonomi Utsaha: Journal of Entrepreneurship BISMA Cendekia Proceedings of The International Conference on Business and Economics E-Prosiding Seminar Nasional Manajemen dan Akuntansi STIE Semarang (SENMAS)
Isfenti Sadalia
universitas sumatera utara
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Social Sciences Other

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PENGARUH LEVERAGE DAN KUALITAS KEUANGAN TERHADAP PROFITABILITAS BANK PEMBANGUNAN DAERAH DI INDONESIA Yolanda Tanika; Isfenti Sadalia
Jurnal Media Informasi Manajemen Vol 1, No 2 (2013): media informasi manajemen
Publisher : Universitas Sumatera Utara

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Abstract

ABSTRACT The issue of this research is to know whether the effect of leverage and financial quality is positive and significant impact on the profitability of the Regional Development Bank in Indonesia. Data collection was performed by collecting secondary data from annual financial reports of 25 Regional Development Bank in Indonesia, which comprises the balance sheet and income statement of a bank period 2007-2012. The method used is descriptive quantitative analysis using Multiple Linear Regression Analysis Method, with a significance level (α) = 5% for the hypothesis. The results of hypothesis testing by performing the F-test showed that the simultaneous use of leverage and financial quality-Altman Z-Score has positive and significant impact on the profitability of Regional Bank Development in Indonesia and t-test indicates that the DAR, DER, TIE positive and significant,LDAR negative and significant,LDER negative and not significant effect on the profitability of the Regional Development Bank in Indonesia. Keywords : Profitability, Leverage, Financial Quality
ANALISIS KOMPARATIF KINERJA KEUANGAN BANK PEMERINTAH DAN BANK ASING DI INDONESIA Clara Anggraini Sirait; Isfenti Sadalia
Jurnal Media Informasi Manajemen Vol 1, No 2 (2013): media informasi manajemen
Publisher : Universitas Sumatera Utara

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Abstract The purpose of this study was to compare and analyze the financial performance of the banks are managed by the Government and the banks are managed by foreign parties in Indonesia. Data collection was performed by collecting secondary data form annual financial reports of Government Bank and Foreign Bank, consisting of the balance sheet and income statement banks period 2009-2011. The method used is descriptive analysis quantitatively using independent sample t-test (t test), with a significance level (α) = 5%. Analyzing data using statistical data processing software SPSS for windows. The results of hypothesis testing by T test showed that of 22 financial ratios studied, only 5 financial ratios, namely the ratio of NIM (Net Interest Margin), BOPO (Beban Operasional terhadap Pendapatan Operasional), PNPL (Provision to Non Performing Loan), LAA (Liquidity Assets to Assets), and LAD (Liquidity Assets to Deposits) showed a significant difference between the financial performance of Government Banks and financial performance of Foreign Banks in Indonesia. Key words : Financial Performance, Government Banks, Foreign Banks, and Bank Financial Ratios
Pengaruh Intellectual Capital Terhadap Kinerja Keuangan Pada Bank Pembangunan Daerah di Indonesia Isma Dewi Br. Panjaitan; Isfenti Sadalia
Jurnal Media Informasi Manajemen Vol 1, No 4 (2013): media informasi manajemen
Publisher : Universitas Sumatera Utara

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ABSTRACT This  research to determine the influence of intellectual capital of financial performance on Regional Development Bank in Indonesian.  The independent variable in this research is the intellectual capital as measured by VAICTM and the dependent variable is financial performance as measured by Return On Assets (ROA), BOPO, Asset Turn Over (ATO) and Growth (GR).The obtained of data from18 Regional Development Bank publisher a complete the financial of reports for 5-year periods, it starting from 2008 until 2012. This research uses The Pulic Model (Value Added Intellectual Capital Coefficient-VAICTM) as the efficiency measure of intellectual capital component. The method used is descriptive analysis and simple regression analysis with use SPSS for windows to process. The result show that intellectual capital (VAICTM) has a positive and not significant to financial performance regional development bank, except BOPO and GR, intellectual capital (VAICTM) has a positive and not significant to financial performance regional development bank in the coming period, except BOPO and intellectual capital growth (ROGIC) has a positive and not significant to financial performance regional development bank except BOPO and GR.   Keywords  : intellectual capital, VAICTM, Return On Assets (ROA), BOPO, Assets Turn Over (ATO), Growth (GR), ROGIC
Dampak Perubahan Tick Size Terhadap Likuiditas Saham (Studi Empiris pada Bursa Efek Indonesia Berdasarkan Tick Size 6 Januari 2014) Risdy Absari Indah Pratiwi; Isfenti Sadalia; Sutarman Sutarman
Bahtera Inovasi Vol 2 No 2 (2019): Jurnal Bahtera Inovasi
Publisher : Program Studi Manajemen Fakultas Ekonomi UMRAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31629/bi.v2i2.1628

Abstract

The objective of the research was to find out and to analyze the influence of the change in tick size on stock liquidity and the factors which influenced stock liquidity. Tick size which became the research object in this evet study was the tick size on January 6, 2014. The sources of data were secondary data from BEI and Yahoo Finance. The samples were 147 stocks before the change in tick size and 147 stocks after the change in tick size, using purposive sampling technique.The data were analyzed by using Wilcoxon signed-rank test and regression analysis with an SPSS software program. The result of the research showed that spread and depth decreased significantly after the change in tick size. Lower spread and depth had contradictory implication on stock liquidity. Based on the dimension of immediacy cost and width, lower spread indicated that stock liquidity increased, while based on the dimension of market depth, lower depth indicated that stock liquidity decreased. In order to settlethis contradiction, the researcher used depth to spread ratio. Intuitively, this ratio measured whether the decrease in depthwas bigger or smaller that the decrease in spread. The result of Wilcoxon signed-rank test indicated that depth to spread ratio increased significantly which indicated that the decrease in depth was smaller than in spread so that it was concluded that stock liquidity increased after the change in tick size. The result of F-test showed that stock price, stock return volatility, and stock trading frequency simultaneously had significant influence on spread and depth. The result of t-test also indicated that stock price, stock return volatility, and stock trading frequency partially had significant influence on spread and depth.
Corporate Governance Terhadap Peringkat Obligasi Pada Perusahaan Korporasi Dalam Perspektif Agency Theory Pada Periode 2016-2020 Rijal Balatif; Annisa Maulida Harahap; Isfenti Sadalia
BISMA Cendekia Vol. 2 No. 2 (2022): BISMA Cendekia - Januari 2022
Publisher : Politeknik Cendana

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Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh Corporate Governance terhadap peringkat obligasi perusahaan yang terdaftar di BEI (Bursa Efek Indonesia) periode 2016-2020. Secara khusus peneliti ini meneliti pengaruh kepemilikan institusional, kepemilikan manajerial, ukuran dewan komisaris, komisaris independen dan komite audit. Populasi yang digunakan pada penelitian ini adalah obligasi korporasi yang diterbitkan oleh perusahaan yang terdaftar di BEI periode 2016-2020. Obligasi ini diperingkat oleh lembaga pemeringkat yaitu Pefindo. Metode penentuan sampel menggunakan metode purposive sampling, jumlah sampel sesuai kriteria yang ditentukan adalah 7 sampel obligasi korporasi. Metode analisis menggunakan logistic regression ordinal. Berdasarkan hasil analisis pengaruh kepemilikan manajerial dan ukuran dewan komisaris berpengaruh positif dan tidak signifikan terhadap peringkat obligasi. Penelitian ini gagal membuktikan bahwa kepemilikan institusional tidak berpengaruh signifikan, akan tetapi komisaris independen dan komite audit berpengaruh signifikan terhadap peringkat obligasi yang terdaftar di Bursa Efek Indonesia Periode 2016-2020
THE ROLE OF WORK ENVIRONMENT AND ORGANIZATIONAL CULTURE ON ORGANIZATIONAL COMMITMENT WITH JOB SATISFACTION AS BETWEEN VARIABLES AT PT. MUJUR LESTARI Robert Rico Marpaung; Nazaruddin Nazaruddin; Isfenti Sadalia
Jurnal Ekonomi Vol. 11 No. 03 (2022): Jurnal Ekonomi, 2022 Periode Desember
Publisher : SEAN Institute

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Abstract

As a company engaged in the oil palm plantation sector located in South Labuhanbatu Regency, North Sumatra, PT Mujur Lestari seeks to maintain productive employees, where employees are an important asset for the company because this type of company is labor intensive whose productivity also depends on the availability of labor. . However, unfortunately the company's efforts are still not good in retaining employees, where the data shows the level of employee turnover from 2015 to 2019 fluctuated. This is what prompted the authors to conduct research on the role of the Work Environment and Organizational Culture in increasing Organizational Commitment through Job Satisfaction as an intermediate variable. The research methodology used is path analysis using 2 independent variables (work environment and organizational culture), 1 moderation variable (job satisfaction) and 1 dependent variable (organizational commitment) using Smart PLS ver 2.3.8. The population in this study were all employees registered at PT Mujur Lestari, totaling 412 people. While the sampling method using the Hair Method as many as 40 people. The results of the research using the outer model show that no trimming is found, where all construct variables have proper validity and reliability. While the inner model found that the work environment directly affects job satisfaction, organizational culture influences job satisfaction, job satisfaction affects organizational commitment, Work Environment has no effect on Organizational Commitment and Organizational Culture has an effect on Organizational Commitment. While indirectly found that the Work Environment and Organizational Culture affect Organizational Commitment through Job Satisfaction as an intermediate variable.
The Influence of Brand Trust and Product Quality on Customer Loyalty Through Customer Engagement on Users Toyota Cars in Medan City Indawati Lestari; Isfenti Sadalia; Endang Sulistya Rini; Beby Karina Fawzeea Sembiring
Proceeding of The International Conference on Business and Economics Vol. 1 No. 2 (2023): Proceeding of The International Conference on Business and Economics
Publisher : Universitas 17 Agustus 1945 Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/icbeuntagsmg.v1i2.729

Abstract

The purpose of this study was to determine and analyze the effect of brand trust and product quality on customer loyalty through customer engagement with Toyota car users in Medan City. The research was conducted on Toyota car users in Medan City. The population of all Toyota brand car users in Medan City. Samples were taken using the Slovin formula of 150 respondents. Data analysis was performed using path analysis in the SPSS program. The results of the sub-1 analysis prove that brand trust and product quality have a positive and significant effect on customer engagement. The results of the sub-2 analysis prove that brand trust and product quality have a positive and significant effect on customer loyalty through customer engagement.
PERISAI COMPETENCE IN INCREASING SOCIAL SECURITY ADMINISTRATOR FOR EMPLOYMENT MEMBERSHIP IN MEDAN Muhammad Ari Irawan; Rulianda Purnomo Wibowo; Isfenti Sadalia
Utsaha (Journal of Entrepreneurship) Vol. 2 Issue. 2 (2023)
Publisher : jfpublshier

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56943/joe.v2i2.312

Abstract

The government's efforts in providing social protection to workers is by creating department that can provide social protection to every worker in Indonesia known as Social Security Agency (BPJS) which is a public legal entity that manages 4 of the 5 social security programs in Indonesia. This research aims to analyze perisai competency strategies in increasing membership of BPJS Ketenagakerjaan in Medan. This research is located at BPJS Ketenagakerjaan Medan City Branch using thirty-nine Perisai agents. This research used six respondents through questionnaires using five Likert scales and nine Likert scales. The Delphi Panel method uses thirteen competencies with three competency categories, called intellectual competence, emotional competence and social competence. This research uses Analytic Hierarchy Process (AHP) method which aims to analyze priority competencies. Based on the research result using Delphi Panel method, it found thirteen competencies grouped into three categories including intellectual competence, emotional competence and social competence indicating that there were no priorities in covering intellectual competence, emotional competence and social competence.
Analisis faktor-faktor yang mempengaruhi kinerja pegawai Rintan Nilaywati; Prihatin Lumbanraja; Isfenti Sadalia
Inovasi : Jurnal Ekonomi, Keuangan, dan Manajemen Vol 19, No 3 (2023): Agustus
Publisher : Faculty of Economics and Business, Universitas Mulawarman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30872/jinv.v19i3.13318

Abstract

Penelitian ini bertujuan untuk menganalisist peran Kepuasan Kerja dalam memediasi pengaruh Pengawasan Melekat dan Kompensasi terhadap Kinerja Pegawai di Balai Pengelolaan Daerah Aliran Sungai dan Hutan Lindung (BPDAS) Mahakam Berau. Metode yang digunakan dalam penelitian ini adalah kuantitatif dengan pendekatan Analisa Jalur untuk menjawab hipotesis penelitian. Sampel merupakan seluruh pegawai BPDAS Mahakam Berau. Hasil penelitian menunjukkan bahwa hanya variabel Pengawasan Melekat yang tidak mampu berpengaruh terhadap Kinerja Pegawai. Hasil lainnya menunjukkan bahwa baik pengaruh secara langsung maupun pengaruh tidak langsung hipotesis diterima.
Dampak Non-Performing Loan dan Inflasi Terhadap Profitabilitas (Studi Pada Perbankan di Indonesia Tahun 2017-2021) Agustina Dian Putri Manurung; Isfenti Sadalia; Syahyunan Syahyunan
E-Prosiding Seminar Nasional Manajemen dan Akuntansi STIE Semarang (SNMAS) Vol 3 No 1 (2023): STIESEM 2023 (International Webinar & Call for Paper) “Utilization of Technology
Publisher : STIE Semarang

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Abstract

Bank adalah fondasi sistem keuangan suatu negara dan memainkan peran penting dalam menyediakan likuiditas dalam perekonomian pasar. Namun, mereka akan menghadapi hambatan besar dalam bentuk risiko kredit dan permasalahan makroekonomi yang akan berdampak langsung pada pendapatan mereka. Studi ini mengevaluasi kemungkinan dampak non-performing loan dan inflasi terhadap profitabilitas bank di Indonesia menggunakan statistik data panel pada sampel 39 bank yang terdaftar di BEI, dipilih menggunakan metode purposive sampling, dengan tahun penelitian berkisar antara tahun 2017 hingga 2021. Tujuannya adalah untuk mengetahui apakah dan bagaimana kredit bermasalah dan inflasi mempengaruhi profitabilitas bank yang diukur dengan rasio return on assets (ROA). Temuan utama penelitian ini adalah ROA berkorelasi negatif dengan non-performing loan dan berkorelasi positif dengan inflasi. Berdasarkan temuan tersebut, kami menyarankan manajemen untuk lebih melakukan kontrol dan fokus pada sistem penyaluran kreditnya karena jika proporsi kredit macet meningkat maka akan mengakibatkan kerugian yang cukup besar bagi perbankan.
Co-Authors Agustina Dian Putri Manurung annisa maulida harahap Beby Karina Fawzeea Sembiring Clara Anggraini Sirait Endang Sulistya Rini Isma Dewi Br. Panjaitan Lestari, Indawati Muhammad Ari Irawan Nazaruddin Nazaruddin prihatin lumbanraja Rijal Balatif Rintan Nilaywati Risdy Absari Indah Pratiwi Robert Rico Marpaung Sutarman Sutarman syahyunan syahyunan Wibowo, Rulianda Purnomo Yolanda Tanika