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PENGARUH CAR, NPL, BOPO, NIM, LDR TERHADAP ROA PADA PT BANK TABUNGAN NEGARA,TBK PERIODE TAHUN 2008-2020 Rahmi, Palupi Permata; Herlina, Listri
Jurnal Ekonomi : Journal of Economic Vol 12, No 01 (2021): Jurnal Ekonomi : Journal of Economic
Publisher : Lembaga Penerbitan Unversitas Esa Unggul

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47007/jeko.v12i01.4080

Abstract

AbstractThis study aims to analyze the effect of Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Operational Costs on Operating Income (BOPO), Net Interest Margin (NIM) and and Loan to Deposit Ratio (LDR) on Return on Assets (ROA). ) at PT Bank Tabungan Negara, Tbk for the period 2008-2020. The sample used in this study is PT Bank Tabungan Negara, Tbk for the period 2008-2020. This research uses descriptive and quantitative approaches. The results showed that partially CAR, BOPO and LDR had no significant effect on ROA at PT Bank Tabungan Negara, Tbk for the Period of 2008-2020. Meanwhile, NPL and NIM partially have a significant effect on ROA. Simultaneously, CAR, NPL, OEOI, NIM and LDR have a significant effect on ROA at PT Bank Tabungan Negara, Tbk for the Period of 2008-2020. Keywords: CAR, NPL, BOPO, NIM, LDR, and ROA
DEVELOPMENT OF LEMON-BASED BEVERAGE BUSINESS AS A COMMUNITY IMMUNE INCREASE IN THE NEW NORMALITY ERA Andre Suryaningprang; Arie Hendra Saputro; Listri Herlina; Dedi Supiyadi
Pasundan International of Community Services Journal (PICS-J) Vol 3 No 2 (2021): Volume 03 Number 02 December 2021
Publisher : LPM Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/pics-j.v3i2.4953

Abstract

The problem that faced partners is the not yet optimal application of digital marketing in marketing products. The solution to each of these problems is to utilize ADS Facebook and Social Media and provide assistance and training. By providing these solutions, it is hoped that there will be an increase in sales and an increase in social media interaction and being registered in the Market Place. The specific target of this activity is that partners can market their products to various regions so that the distribution radius is wider and in line with increased sales. The method used is to identify needs, SWOT analysis and Expalanatory Survey to Javaganics Partners. The implementation stages consist of (1) Digital Marketing training and empowerment; (2) Data analysis; (3) Coordination of partners and researchers; (4) and internal administration of the institution; (5) Institutional self-evaluation and institutional development funds.
Pengaruh ROA, ROE, LDR, CAR, Dan NPL Terhadap Harga Saham Perbankan Yang Terdaftar di BEI Asti Nur Aryanti; Palupi Permata Rahmi; Listri Herlina
ARBITRASE: Journal of Economics and Accounting Vol. 3 No. 1 (2022): Juli 2022
Publisher : Forum Kerjasama Pendidikan Tinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/arbitrase.v3i1.479

Abstract

One of the sectors that has rapid development that support the national economy and have an important role in national development is the banking sector. This research aimed at analyzing the effect of Return on Assets, Return on Equity, Loan Deposit Ratio, Capital Adequacy Ratio, and Non-Performing Loans on banking stock prices listed on the IDX (Case Research of BUMN Banks for the Period 2008 – 2021). This research employed a quantitative method with a descriptive and verification approach. The type of data used were quantitative data. Secondary data, which consisted of data on the annual financial statements of BUMN Banks for the period 2008-2021, were collected using a purposive sampling technique. The analytical method used in this research was multiple linear regression. The t test and F test were carried out to obtain results regarding the effect of the independent variables on the dependent variable. The results showed that partially, Return on Equity (ROE) and Non-Performing Loans (NPL) had a significant effect on stock prices. While the ROA, LDR and CAR variables had no significant effect on stock prices. The test results of the coefficient of determination (R2) showed that the variables Return on Assets, Return on Equity, Loan to Deposit Ratio, Capital Adequacy Ratio, and Non-Performing Loans had an influence on stock prices by 38.60% and the remaining 61.40% was influenced by other external factors.
Measuring the Capital Adequacy Ratio for Bank Business Activity Group 3 that listed in Indonesia Stock Exchange Listri Herlina*; Andre Suryaningprang
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol 12 No 2: Juni 2023
Publisher : Program Studi Keuangan & Perbankan, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34010/jika.v12i2.9442

Abstract

This study analyzes how the capital condition of 10 commercial banks in the category of bank business activity group 3 which is listed on IDX. The analysis is related to central bank regulation concerning banks being required to increase capital more than the minimum capital adequacy ratio as a buffer to prevent a crisis. Using the panel data regression method to analyze the issue, four independent variables used from internal factors namely Non-Performing Loan, Net Interest Margin, Loan to Deposit Ratio, and Credit Growth, there are one bank has the capital highest and only needs to increase its capital for 4% to join bank business activity group. Furthermore, there are three banks with the lowest capital adequacy ratio. Research results found that NPL significantly affects the capital of 10 banks Group 3. Based on the result, when Non-Performing Loans increase the banks will increase their capital reserves beyond the minimum capital reserves that have been set as a buffer against potential losses. Keywords: CAR; Bank Capital; Fixed Effect Method; Buffer; NPL Abstrak Penelitian ini dilakukan untuk mengetahui bagaimana kondisi permodalan 10 bank umum dalam kategori kegiatan usaha bank kelompok 3 yang terdaftar di BEI. Analisis ini terkait dengan peraturan bank sentral tentang bank yang wajib meningkatkan modal lebih dari rasio kecukupan modal minimum sebagai penyangga (Buffer) apabila terjadi krisis keuangan dan ekonomi yang dapat mengganggu stabilitas sistem keuangan. Dengan menggunakan metode regresi data panel untuk menganalisis permasalahan tersebut, digunakan empat variabel independen dari faktor internal yaitu NPL, NIM, LDR, Pertumbuhan Kredit. Terdapat 1 bank yang memiliki permodalan tertinggi dan dengan hanya menambah modal sebesar 4% bank tersebut dapat masuk kedalam kategori Bank Unit Kegiatan Usaha. Selanjutnya, terdapat tiga bank dengan rasio kecukupan modal terendah sehingga bank tersebut wajib meningkatkan modalnya. Hasil penelitian membuktikan bahwa NPL berpengaruh positif dan signifikan terhadap permodalan 10 bank Bank Unit Kegiatan Usaha 3. Dengan berpengaruhnya NPL terhadap permodalan bank, maka Ketika NPL meningkat bank akan menambah cadangan modal melebihi minimum cadangan modal yang telah di tetapkan sebagai penyangga terhadap potensi kerugian. Kata Kunci: CAR; Modal bank; Metode Fixed Effect; Penyangga; NPL
Digital innovation strategy for creative industries: responding to competition challenges in the digital age Asti Nur Aryanti; Suryana Suryana; Heny Hendrayati; Palupi Permata Rahmi; Fanji Wijaya; Listri Herlina
INOVASI Vol 19, No 2 (2023): Mei
Publisher : Faculty of Economics and Business Mulawarman University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30872/jinv.v19i2.13604

Abstract

The creative industries should be able to keep up with competitors' strategies to survive in the contemporary business environment. The depth of the digital touch in every company operation encourages business people to adapt it while developing new products. The purpose of this study was to present an overview of the digital-based innovation strategies employed by the leading creative industries in Bandung. Using a descriptive analysis strategy, the research method employed was qualitative. Techniques for data collection included literature reviews, field investigations, questionnaires, and in-depth interviews. The study's findings demonstrated that strategies for digital-based innovation were not conducted to their full potential. In this particular industry, there was insufficient growth of digitally based products and services, limited responsiveness to digital solutions provided by competitors, a lack of differentiation from competitors, relatively few platforms for digitally based products that were different from competitors, and poor product development. There were no newly developed digital products on the market. In addition, only the process innovation strategy received a positive response regarding the dimensions of a digital-based innovation strategy, even though most were still far from the digitalization process. However, digital implementation was absent from the organization's marketing and product innovation strategies, making them appear inefficient.
Business performance of MSMES in terms of entrepreneurial competencies and entrepreneurial orientation Palupi Permata Rahmi; Suryana Suryana; Heny Hendrayati; Asti Nur Aryanti; Listri Herlina
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.v19i3.13607

Abstract

This study aims to analyse the effect of entrepreneurial competencies and entrepreneurial orientation on business performance in the MSMEs Sub-Sector of Creative Industry in Bandung City. By distributing questionnaires to all respondents, the data sample is collected from 50 MSMEs. Quantities research method with SPSS analytical tool was used in this study. The results of this study indicate that entrepreneurial competencies partially affect business performance. Meanwhile, the entrepreneurial orientation variable partially influences business performance. Simultaneously, entrepreneurial competencies and entrepreneurial orientation affect business performance. The results of this research can be expected to contribute to the study of strategies and policies for the development of competencies and entrepreneurial orientation of MSMEs.
The EFFECT OF SUPERVISION, WORK DISCIPLINE, ORGANIZATIONAL COMMITMENT AND STANDARD OPERATIONAL PROCEDURES (SOP) ON EMPLOYEE PERFORMANCE AT PT QUALITECH INDOPIRANTI BANDUNG BRANCH Herlia Firgiawati Sandra; Palupi Permata Rahmi; Listri Herlina
Journal of Business and Management INABA (JBMI) Vol. 1 No. 1 (1): Volume 1 Number 1 June 2022
Publisher : Universitas Indonesia Membangun (Inaba)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56956/jbmi.v1i1.4

Abstract

The implementation of supervision, discipline, commitment and Standard Operating Procedures in the company can increase the quality of work that is able to manage the company well and professionally, so that in the future the company can achieve good success in advancing a company. The purpose of this study was to determine the effect of the implementation of supervision, work discipline, organizational commitment and the application of Standard Operating Procedures on the performance of employees of PT. Qualitech Indopiranti Bandung Branch either partially or simultaneously. The research method used is a quantitative method with a descriptive and verification approach. The population in this study were all employees of PT. Qualitech Indopiranti Bandung Branch as many as 40 people sampling using total sampling or sampling saturated (census). Validity test using Product Moment correlation from Pearson. While the reliability test uses Cronbach's Alpha. Data collection techniques through the distribution of questionnaires. The analysis prerequisite test includes normality test, multicollinearity test, heteroscedasticity and linearity test. The data analysis technique used is multiple regression, correlation test, and coefficient of determination. The results showed that the descriptive analysis stated that: 1). Employee performance was in a good category. 2). Supervision was in a good category. 3). Work discipline was in a good category. 4). Organizational commitment was in a good category. 5). Standard Operating Procedures was in a good category . Besides that, the results of the study show that, 6). Supervision has an effect on employee performance with a correlation value of 0.831 with a very strong relationship level. 7). Work Discipline has an effect on employee performance with a correlation value of 0.995 with a very strong relationship level. 8). Organizational commitment has an effect on employee performance with a correlation value of 0.5611 with a strong relationship level. 9). Standard Operating Procedures affect employee performance with a correlation value of 0.829 with a very strong relationship level. 10). Supervision, Work Discipline, Organizational Commitment and Standard Operating Procedures on Employee Performance have a simultaneous effect on employee performance with an influence value of 99.1%, and a very strong correlation with a correlation value of 0.995.
THE EFFECT OF CAPITAL ADEQUACY RATIO (CAR), NET INTEREST MARGIN (NIM), AND LOAN TO DEPOSITS RATIO (LDR) ON RETURN ON ASSET (ROA) IN PT BANK NEGARA INDONESIA PERSERO TBK PERIOD OF 2011-2021 Palupi Permata Rahmi; Listri Herlina; Shanty Novitasary
Journal of Business and Management INABA (JBMI) Vol. 1 No. 1 (1): Volume 1 Number 1 June 2022
Publisher : Universitas Indonesia Membangun (Inaba)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56956/jbmi.v1i1.36

Abstract

One measure to assess the level of soundness or performance of a bank's profitability is Return On Assets (ROA). The level of Return On Assets (ROA) is used to measure bank profitability and focuses on the company's ability to earn profits in its operations, Bank Indonesia sets a minimum amount of Return On Assets (ROA) of 1.5%. However, the Return on Assets (ROA) at PT Bank Negara Indonesia Persero, Tbk for the 2011-2021 period fluctuated with a downward trend. Many factors can affect the rise and fall of Return On Assets (ROA). This study aims to explain the effect of Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), and Loan to Deposits Ratio (LDR) on Return On Assets (ROA). This research uses quantitative methods with descriptive and verification approaches. The type of data is secondary data sourced from www.idx.co.id and the annual report of PT Bank Negara Indonesia, Tbk. The data analysis method used is descriptive analysis and verification analysis (classical assumption test, multiple regression analysis, correlation coefficient analysis, coefficient of determination analysis, and hypothesis testing). The results showed that: 1) Return on Assets (ROA) fluctuated with a downward trend with an average of 2.53% and a standard deviation of 0.87. 2) Capital Adequacy Ratio (CAR) fluctuates with a downward trend with an average of 17.97% and a standard deviation of 1.59. 3) Net Interest Margin (NIM) fluctuated with a downward trend with an average of 5.63% and a standard deviation of 0.68%. 4) Loan to Deposits Ratio (LDR) fluctuates with an increasing trend with an average of 84.79% and a standard deviation of 6.36. 5) Capital Adequacy Ratio (CAR) has no significant effect on Return On Assets (ROA). 6) Net Interest Margin (NIM) has a significant effect on Return On Assets (ROA). 7) Loan to Deposits Ratio (LDR) has no significant effect on Return On Assets (ROA). 8) Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), and Loan to Deposits Ratio (LDR) simultaneously (together) have a significant effect on Return On Assets (ROA). With the influence contribution of 67.50%, while the remaining 32.50% is influenced by other factors that are not included in the study.
THE GROSS DOMESTIC PRODUCT ANALYSIS IN INDONESIA FOR 2008-2021 Listri Herlina; Palupi Permata Rahmi
Journal of Business and Management INABA (JBMI) Vol. 1 No. 02 (2022): Volume 1 Number 2 December 2022
Publisher : Universitas Indonesia Membangun (Inaba)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56956/jbmi.v1i02.116

Abstract

Economic growth is an indicator that plays an important role in determining the prosperity of a country. This study aims to analyse the effect of growth of foreign debt, inflation, Exchange rate, growth of poverty, and regional minimum wage on gross domestic product (GDP) in Indonesia for 2008 - 2021. Data collected through library research from the Central Bureau of Statistics and Bank Indonesia Reports. Furthermore, the data was processed using descriptive statistical analysis and verification. Ordinary Least Square regression analysis using EViews software approach was adopted for analyse the effect of independent variables on dependent variable. The result shows that gross domestic product (GDP) is influenced by the growth of foreign debt, the growth of poverty, and the growth of the minimum wage. This result is supported by the value of t-statistics < t table and also simultaneously through the coefficient of determination shows that the three variables above have a significant effect on the gross domestic product variable.
ANALYSIS OF THE EFFECT OF FINANCIAL RATIO ON SHARE PRICE AT PT UNILEVER INDONESIA TBK PERIOD 2010-2021 Asep Sulaiman; Listri Herlina
Journal of Business and Management INABA (JBMI) Vol. 2 No. 01 (2023): Volume 2 Number 01 June 2023
Publisher : Universitas Indonesia Membangun (Inaba)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56956/jbmi.v2i01.202

Abstract

PT Unilever Indonesia Tbk experienced problems with declining stock prices. Company performance is a factor that can cause a decline in stock prices. Whether a company's performance is good or not can be seen from financial ratios such as CR, DER, NPM, EPS and PER, where investors tend to invest funds in companies with good financial ratios. The research objective was to determine the effect of CR, DER, NPM, EPS and PER on stock prices at PT Unilever Indonesia Tbk for the 2010-2021 period. Quantitative research method with a descriptive verification approach. Secondary data sources in the form of annual financial report data and purposive sampling technique. data analysis techniques with descriptive analysis, regression, correlation, hypothesis testing both partially and simultaneously and analysis of the coefficient of determination, with the help of the SPSS v24 program. The results of the study show that in testing the hypothesis the results are: (1) CR has no significant effect on stock prices. (2) DER has a significant effect on stock prices. (3) NPM has a significant effect on stock prices. (4) EPS has a significant effect on stock prices. (5) PER has a significant effect on stock prices. (6) CR, DER, NPM, EPS and PER provide a simultaneous effect (together) on the stock price.