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ANALISIS KINERJA KEUANGAN PERBANKAN DENGAN PROFIT SENSITIVITY ANALYSIS Kurniasari, Dhea Aprilia; Rahadian, Dadan
JASa (Jurnal Akuntansi, Audit dan Sistem Informasi Akuntansi) Vol 3 No 1 (2019): Vol 3 No 1 April 2019
Publisher : Jurusan Akuntansi Fakultas Ekonomi Universitas Langlangbuana Bandung

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Abstract

Dalam profit sensitivity analysis, variabel yang digunakan adalah assets management, liabilities management, dan overall management. Dengan indikator, yaitu return on total assets, leverage management, cost of debt, spread management, debt management, dan return on equity. Untuk assets management, bank dengan kinerja keuangan terbaik adalah BRI. Selanjutnya, liabilities management dengan indikator leverage management, kinerja keuangan terbaik dimiliki Bank Mandiri. Untuk indikator cost of debt kinerja keuangan terbaik dimiliki BNI. Kemudian untuk indikator spread management, kinerja keuangan terbaik dimiliki BRI. Sedangkan untuk overall management, bank dengan kinerja keuangan terbaik adalah BRI. Kesimpulan dari penelitian ini adalah BRI memiliki kinerja keuangan paling baik diantara bank BUMN yang lain. Selanjutnya, bank BUMN lain dapat menjadikan BRI sebagai benchmark dalam pengelolaan assets dan liabilities yang dimiliki.  
ANALISIS PENGARUH MODAL INTELEKTUAL TERHADAP RETURN ON ASSETS (ROA) Amalia, Neza Nurul; Rahadian, Dadan
JASa (Jurnal Akuntansi, Audit dan Sistem Informasi Akuntansi) Vol 3 No 1 (2019): Vol 3 No 1 April 2019
Publisher : Jurusan Akuntansi Fakultas Ekonomi Universitas Langlangbuana Bandung

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Abstract

  Sampel yang dipilih menggunakan teknik non-probability sampling­ sehingga populasi secara keseluruhan dianggap sebagai sampel dengan jumlah 4 perusahaan. Teknik analisis yang digunakan adalah regresi data panel. Hasil penelitian menunjukan terdapat pengaruh signifikan secara simultan antara pengaruh modal intelektual terhadap ROA. Secara parsial, hanya VAHU yang berpengaruh signifikan positif  sedangkan VACA dan STVA tidak memiliki pengaruh signifikan terhadap ROA.    
The Influence Of Financial Stressors, Financial Behavior, Risk Tolerance, Financial Solvency, And Financial Knowledge On Financial Satisfaction Of Working Age Population Anisah Firli; Shafira Khairunnisa; Dadan Rahadian
Jurnal Manajemen Indonesia Vol 21 No 3 (2021): Jurnal Manajemen Indonesia
Publisher : Fakultas Ekonomi dan Bisnis, Telkom University.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25124/jmi.v21i3.3723

Abstract

Financial satisfaction is the ultimate goal of individuals who work hard and manage their finance. Working-age is the time when individuals are considered able to work and earn, yet they tend to fail to meet the expected financial satisfaction due to several factors. This research aims to test the influence of financial stressors, financial behavior, risk tolerance, financial solvency, financial knowledge on financial satisfaction. This research includes all important variables (financial stressors, risk tolerance, and financial solvency) that can determine financial satisfaction. The participants in this research were 100 respondents, selected by convenience sampling, from the working-age population in Jakarta, the capital city of Indonesia, who gave the biggest contribution to the economy. The data were analyzed by using multiple linear regression analysis. The findings show that financial stressors, financial behavior, risk tolerance, financial solvency, and financial knowledge simultaneously had a significant influence on financial satisfaction. Partially, only risk tolerance and financial knowledge variables affect financial satisfaction. The findings imply that the working-age population should manage financial stressors, financial behavior, risk tolerance, financial solvency, and financial knowledge properly to improve financial satisfaction reflecting financial welfare.
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PROFITABILITAS PERBANKAN (STUDI PADA PT. BANK NEGARA INDONESIA (PERSERO), TBK, PERIODE 2010-2015) Raditya Zulmahdi Hamong Putra; Dadan Rahadian; Andrieta Shintia Dewi
JURNAL LENTERA BISNIS Vol 5, No 1 (2016): JURNAL LENTERA BISNIS
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v5i1.94

Abstract

The financial condition of PT Bank Negara Indonesia (BNI) in each quarter of each year, the 2010-2015 period can be quite good. It can be seen from the growth in net profit generated by the BNI in each quarter of each year is always increasing. However, in the second quarter 2015 net income generated BNI only Rp. 2.46 Trillion. The net profit decreased compared to the net profit generated in the second quarter of 2014 amounted to Rp. 4.95 Trillion. In addition, ROA of BNI in the second quarter 2015 amounted to 1.14%. BNI ROA The ROA decreased compared with the second quarter of 2014 amounted to 2.43%. In this regard, it is necessary to do research on the factors that affect the profitability of BNI.The variables of this study is the Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Loan to Deposit Ratio (LDR), Operating Expenses Operating Income (ROA), and Net Interest Margin (NIM). As for profitability measurement tools using the Return On Asset (ROA). Source data extracted from BNI Quarterly Financial Statements First Quarter period 2010 to the third quarter of 2015. The data used is secondary data, which is a time series data. The analysis technique used is multiple linear regression.The results showed thatCAR, NPL, LDR, ROA and NIM simultaneously have significant effect on ROA. Partially, CAR, NPL, and LDR have not significant effect on ROA. BOPO have significant negative effect on ROA and NIM have significant positive effect on ROA. The magnitude of the influence  CAR, NPL, LDR, ROA and NIM to ROA amounted to 94.3%, while the rest 5.7% is explained by other variables outside the model.Keywords : Capital Adequacy Ratio, Non Performing Loan, Loan to Deposit Ratio, Biaya Operasional Pendapatan Operasional, Net Interest Margin, Return On Asset
ANALISIS KINERJA KEUANGAN PERBANKAN DENGAN PROFIT SENSITIVITY ANALYSIS Dhea Aprilia Kurniasari; Dadan Rahadian
JASa (Jurnal Akuntansi, Audit dan Sistem Informasi Akuntansi) Vol 3 No 1 (2019): Vol 3 No 1 April 2019
Publisher : Program Studi Akuntansi Universitas Langlangbuana Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (516.633 KB) | DOI: 10.36555/jasa.v3i1.470

Abstract

Dalam profit sensitivity analysis, variabel yang digunakan adalah assets management, liabilities management, dan overall management. Dengan indikator, yaitu return on total assets, leverage management, cost of debt, spread management, debt management, dan return on equity. Untuk assets management, bank dengan kinerja keuangan terbaik adalah BRI. Selanjutnya, liabilities management dengan indikator leverage management, kinerja keuangan terbaik dimiliki Bank Mandiri. Untuk indikator cost of debt kinerja keuangan terbaik dimiliki BNI. Kemudian untuk indikator spread management, kinerja keuangan terbaik dimiliki BRI. Sedangkan untuk overall management, bank dengan kinerja keuangan terbaik adalah BRI. Kesimpulan dari penelitian ini adalah BRI memiliki kinerja keuangan paling baik diantara bank BUMN yang lain. Selanjutnya, bank BUMN lain dapat menjadikan BRI sebagai benchmark dalam pengelolaan assets dan liabilities yang dimiliki.
ANALISIS PENGARUH MODAL INTELEKTUAL TERHADAP RETURN ON ASSETS (ROA) Neza Nurul Amalia; Dadan Rahadian
JASa (Jurnal Akuntansi, Audit dan Sistem Informasi Akuntansi) Vol 3 No 1 (2019): Vol 3 No 1 April 2019
Publisher : Program Studi Akuntansi Universitas Langlangbuana Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (311.676 KB) | DOI: 10.36555/jasa.v3i1.475

Abstract

DAMPAK FINANCIAL TSUNAMI TERHADAP TINGKAT KESEHATAN BANK SYARIAH DAN BANK KONVENSIONAL MENGGUNAKAN METODE CAMEL (STUDI KASUS KRISIS EKONOMI TAHUN 2008) Veno Renardi Putra; Dadan Rahadian
Jurnal Mitra Manajemen Vol 4 No 9 (2020): Jurnal Mitra Manajemen Edisi September
Publisher : Kresna Bina Insan Prima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52160/ejmm.v4i9.450

Abstract

Perekonomian di Indonesia mengalami banyak perubahan. Terutama pada beberapa tahun belakangan seperti pada tahun 1998 dan pada tahun 2008, di kedua tahun tersebut perekonomian Indonesia mengalami masa masa yang sulit. Krisis ekonomi global yang terjadi pada tahun 2008 sebenarnya diawali dari krisis ekonomi Amerika Serikat yang lalu menyebabkan gelombang krisis keuangan (financial tsunami) ke negara-negara lain di seluruh dunia, termasuk Indonesia. Data yang digunakan dalam penelitian ini adalah data sekunder yaitu laporan keuangan masing masing bank dalam hal ini bank yang digunakan adalah Bank Mandiri, Bank Syariah Mandiri, Bank Mega dan Bank Mega Syariah periode 2007 sampai dengan 2010. Metode yang digunakan adalah Metode CAMEL. Hasil penelitian menunjukkan bahwa terdapat dampak financial tsunami terhadap tingkat Kesehatan bank konvensional dan bank Syariah. Penulis menyarankan pada peneliti selanjutnya untuk menggunakan metode dan sampel yang berbeda. Bagi perbankan konvensional dan perbankan Syariah diharapkan agar mempertimbangkan prinsip kehati hatian dalam merumuskan strategi dan kebijaksanaan untuk menjaga kondisi tingkat Kesehatan agar tetap pada kondisi sehat.
ANALISIS DAMPAK MEKANISME KEBIJAKAN TRANSMISI MONETER TERHADAP TINGKAT SUKU BUNGA DASAR KREDIT PADA BANK PEMERINTAH DAN BANK SWASTA DI INDONESIA PERIODE JANUARI 2014 – SEPTEMBER 2019 Faiq Permadi Zuffar; Dadan Rahadian
Jurnal Mitra Manajemen Vol 4 No 9 (2020): Jurnal Mitra Manajemen Edisi September
Publisher : Kresna Bina Insan Prima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52160/ejmm.v4i9.455

Abstract

Kebijakan moneter digunakan untuk menjaga dan memelihara kestabilan nilai mata uang yang tercermin pada tingkat inflasi. Bank Indonesia menetapkan suku bunga kebijakan Bank Indonesia sebagai instrument untuk mempengaruhi aktivitas perekonomian Indonesia. Optimalnya perubahan suku bunga pada Bank Swasta maupun Pemerintah tiap periode harus sesuai dengan ketetapan Bank Indonesia pada periode yang sama. Namun dalam faktanya, terjadi time lag saat BI merubah kebijakanya. Data yang digunakan untuk penelitian ini merupakan data sekunder, yaitu data SBDK dan data BI Rate. Metode analisis penelitian ini menggunakan model VAR. Hasil menunjukan time lag pada Bank Pemerintah maupun swasta berbeda-beda. Besaran time lag pada Bank Pemerintah pada SBDK Korporasi adalah 21 periode, Ritel 24 periode, Mikro 23 periode, KPR 14 periode dan Non KPR 12 periode. Besaran time lag pada bank swasta pada SBDK Korporasi adalah 23 periode, Ritel 21 periode, Mikro 22 periode, KPR 5 periode, dan Non KPR 17 periode.
Analisis Pengukuran Kinerja Investasi PT. Taspen (Persero) dengan Menggunakan Metode Economic Value Added Karina Oktaviani; Dadan Rahadian
Jurnal Manajemen Maranatha Vol. 13 No. 2 (2014)
Publisher : Universitas Kristen Maranatha

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (195.228 KB) | DOI: 10.28932/jmm.v13i2.133

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Corporate performance measurement will indicate the condition of a company when running operational activities for a certain period. Economic Value Added (EVA) in this case is very relevant for measuring the value or values performance because EVA is a measure of economic value added resulting from theactivities of the company or enterprise management strategy. However, be a mistake when limiting EVA only to measure the performance of the company alone. EVA can be used as the implementation of a strategy that is associated with the main function of the company. The problem in this research is to try to evaluate the performance of investment PT TASPEN (Persero) with measurement of performance using Economic Value Added (EVA), which aims to get the composition of the investmentportfolio of financial assets PT TASPEN (Persero) which provide value-added for priority. The method used in this research is descriptive quantitative method. Used in this study is a secondary data such as data accounting, financial statements and annual report PT TASPEN (Persero). The results showed that, based on the value of Economic Value Added (EVA) PT TASPEN (Persero) advised to invest with established priority that is: (1) Bonds, (2) Stocks, (3) Mutual funds, (4) directinvestment and (5) deposits.Keywords: Economic Value Added, PT TASPEN (Persero), investment
Analysis of digital wallet acceptance factors and market potentials among college students Adilla Meitri Rama; Dadan Rahadian
BISMA (Bisnis dan Manajemen) Vol. 15 No. 1 (2022)
Publisher : Universitas Negeri Surabaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/bisma.v15n1.p1-19

Abstract

One of the fintech products is a digital wallet, an electronic money service in the form of a mobile application that can use for payment transactions. This study aims to determine the acceptance factor and potential of the digital wallet market by university students. The theory used in this study is the UTAUT2 model, with performance expectancy (PE), effort expectancy (EE), social influence (SI), facilitating conditions (FC), hedonic motivation (HM), price value (PV), habit (HA) as the independent variables. Meanwhile, behavioural intention (BI) and use behaviour (UB) are dependent variables. The population in this study were all university students, while the sample was 400 people. This study collected data by distributing online questionnaires. The sampling technique used is random sampling, and the data analysis technique used is PLS-SEM with the help of SmartPLS 3.2.9 software. This study proves that the influence of the independent variables on the dependent variables is significant. In contrast, the variable effort expectancy (EE), social influence (SI), facilitating conditions (FC), and hedonic motivation (HM) were weak predictors of behavioural intention (BI). The results of this study are supposed to be useful for government and digital wallet companies to improve the market potential level of digital wallets by optimising the function of the factors that affect the use of the digital wallet. In contrast to other studies, this study investigates all the many kinds of digital wallets that operated in Indonesia, which becomes the novelty of this research.