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KEUNIS

keunis
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Published by Politeknik Negeri Semarang

ISSN : 23029315 EISSN : 27147274 DOI : https://doi.org/10.324497/keunis

Core Subject : Economy,

Economics, Econometrics & Finance

Pemahaman tentang keuangan dan atau yang bersinggungan atau berkaitan dengan arus dana dan kegiatan yang berhubungan dengan bisnis.

Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)

Articles 90 Documents

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ANALISIS PREDIKSI FINANCIAL DISTRESS DENGAN MENGGUNAKAN MODEL ALTMAN Z-SCORE PADA PERUSAHAAN RITEL TAHUN 2018-2020 Dian Pertiwi; Alvianita Gunawan Putri
KEUNIS Vol 9, No 2 (2021): JULI 2021
Publisher : FInance and Banking Program, Accounting Department, Politeknik Negeri Semarang

The retail sector is one of the sectors affected by the covid-19 pandemic. Giant is one of the hypermarkets that has closed several outlets from 2019 to 2021 permanently closed. This is due to suboptimal financial performance and exacerbated by the impact of the covid-19 pandemic. The purpose of this study is to analyze financial distress predictions in the retail sector. This study uses a sample of retail public sector companies that run hypermarket, superstore and minimarket businesses. The research analysis technique used the original Altman Z-Score model, which was developed in 1968. This study indicates generally companies are in the “safe” zone for 2018 and 2019, except for HERO, which is in the “gray” zone. Furthermore, in 2020, several companies are still in the "safe" zone, except MIDI and RALS shifting to the "gray" zone and even HERO shifting to the "distress" zone. The implications of the results of this study provide information for retail companies to pay attention to their financial conditions so that they can determine long-term strategies to have long business sustainability.

ANALISIS PENGARUH KUALITAS PELAYANAN, PRODUK, HARGA, DAN LOKASI TERHADAP KEPUASAN NASABAH (STUDI KASUS PADA PT BANK RAKYAT INDONESIA (PERSERO) Tbk. UNIT NGESREP SEMARANG) Rizka Putri Rumastari; Aris Sunindyo
KEUNIS Vol 7, No 2 (2019): JULI 2019
Publisher : FInance and Banking Program, Accounting Department, Politeknik Negeri Semarang

This study aims to determine and analyze the effects of service quality, product, price, and place towards the customers satisfaction (Case Study at PT Bank Rakyat Indonesia (Persero) Tbk. Unit Ngesrep Semarang) both simultaneously or partially. The population in this study are all the customers at PT Bank Rakyat Indonesia (Persero) Tbk. Unit Ngesrep Semarang. The data used in the research are primary and secondary data. The sample used of 100 respondents collected through the questionnaire by following the accidental sampling technique. Data analysis model using Multiple Linear Regression Analysis Model. Meanwhile, data analysis techniques use Statistical F Test, Coefficient of Determination Test (Adjusted R Square), and Statistical t Test. The result of the analysis and discussion show that the variables of service quality, product, price, and place simultaneously have a significant effects towards the customers satisfaction at PT Bank Rakyat Indonesia (Persero) Tbk. Unit Ngesrep Semarang. Partially, the variables of service quality, product, price, and place each have a positive and significant effect towards the customer satisfaction at PT Bank Rakyat Indonesia (Persero) Tbk. Unit Ngesrep Semarang.

ANALISIS PENGARUH KUALITAS PRODUK, KUALITAS PELAYANAN DAN KEPERCAYAAN TERHADAP MINAT MENABUNG PADA PT BANK TABUNGAN NEGARA (PERSERO) TBK. CABANG SEMARANG Novita Himatul Ulya; Embun Duriany Soemarso; Moch. Abdul Kodir
KEUNIS Vol 8, No 1 (2020): JANUARI 2020
Publisher : FInance and Banking Program, Accounting Department, Politeknik Negeri Semarang

This research aims to determine the significance of the variables influence the product quality, service quality and trust of the customers saving interest at PT Bank Tabungan Negara (Persero) Tbk. Cabang Semarang. This study uses primary data with questioner and secondary data. The population in this study are all savings customers at PT Bank Tabungan Negara (Persero) Tbk. Cabang Semarang. The sampling technique used was purposive sampling and accidental sampling. The analysis model used in this research is Linear Regression Analysis Model, while the data analysis techniques using the F test, t test, and coefficient of determination (R2). In addition, it also tests the quality of the data in the form of tests validity and reliability, as well as a classical assumption test with normality tests, multicollinearity tests, heteroscedasticity tests, and autocorrelation tests. Test data indicate that the data is valid and reliable and free from irregularities classical assumptions. The analysis and discussion showed that product quality, service quality and trust simulataniously significant influence customers saving interest at PT Bank Tabungan Negara (Persero) Tbk. Cabang Semarang. Variable service quality and trust partially significant influence customer saving interest, while the variable product quality not significantly influence customer saving interest at PT Bank Tabungan Negara (Persero) Tbk. Cabang Semarang.

ANALISA PENGARUH RASIO KEUANGAN TERHADAP PROFITABILITAS PADA PERUSAHAAN PERBANKAN PERIODE 2016 – 2018 Devi Nurhasanah; Maryono Maryono
KEUNIS Vol 9, No 1 (2021): JANUARI 2021
Publisher : FInance and Banking Program, Accounting Department, Politeknik Negeri Semarang

The purpose of this study is to examine and analyze the effect of financial ratios analyzed in this study are asset adequacy ratios, non-performing loans, and profitability ratios using the Capital Adequacy Ratio (CAR), Non Performing Loan variables (NPL), Net Interest Margin (NIM), Loan to Deposit Ratio (LDR) and Return On Assets (ROA) in banking companies listed on the IDX for the 2016 - 2018 period. This study's population were all banking companies listed on the IDX for the 2016– 2018 period. The sampling method used was purposive sampling with a sample size of 40 banking companies. This analysis tool has used multiple linear regression. The results of these study are NIM has a positive effect on ROA, NPL has a negative effect on ROA, while CAR and LDR have no effect on ROA in banking companies listed on the IDX for the 2016 - 2018 period.

ANALISIS PENGARUH BOPO, NPL, NIM, DAN LDR TERHADAP PROFITABILITAS PADA BANK UMUM DI INDONESIA PERIODE 2012-2017 Evi Rohmiati; Winarni Winarni; Nina Woelan Soebroto
KEUNIS Vol 7, No 1 (2019): JANUARI 2019
Publisher : FInance and Banking Program, Accounting Department, Politeknik Negeri Semarang

This research is performed in order to test the influence of the Operation Expenses to Operations Income (BOPO), Non Performing Loan (NPL), Net Interest Margin (NIM), and Loan to Deposit Ratio (LDR) toward Profitability of Commercial Banks in Indonesia Period 2012-2017. The sample used is 7 Commercial Banks that entered into the list of Commercial Banks Business Activities 2012-2017. The independent variables in this research are BOPO, NPL, NIM, and LDR. While the dependent variable is Profitability which is represented by Return On Assets (ROA). The analysis model used in this research is Multiple Linear Regression, while the analysis technique in this research using F Statistic Test, t Statistic Test, and Determination Coefficient Test. The results of this research show that BOPO and NIM have significant influence to Profitability, while NPL and LDR have not significant influence to Profitability. Based on result of regression analysis, it is obtained that Adjusted R2 is 0,906, meaning the contribution of independent variable in explaining the dependent variable is 90,6% and the rest that is 9,4% is influenced by other variable not examined in this research.

THE ANALYSIS OF THE EFFECT OF BRAND IMAGE, SERVICE PERFORMANCE, PORTFOLIO SERVICES, AND PHYSICAL EVIDENCES TOWARDS CUSTOMERS SATISFACTION OF “BTN BATARA” SAVINGS ACCOUNT AT PT BANK TABUNGAN NEGARA (PERSERO) Tbk, SEMARANG BRANCH OFFICE Nailur Rofi’ah; Moch. Abdul Kodir; Moch. Muslikh
KEUNIS Vol 8, No 2 (2020): JULI 2020
Publisher : FInance and Banking Program, Accounting Department, Politeknik Negeri Semarang

The objectives of this Final Report are to analyze and to obtain empirical evidences on the effect of brand image, service performance, portfolio services, and physical evidences towards customers satisfaction of “BTN Batara” Savings Account at PT Bank Tabungan Negara (Persero) Tbk, Semarang Branch Office. The population of this Final Report is all of the customers at PT Bank Tabungan Negara (Persero) Tbk, Semarang Branch Office. The sampling technique uses the Random Sampling Method amounting to 100 customers. The data used in this Final Report is the primary data obtained throough the distribution of questionnaires. The data analysis model uses the Multiple Linear Regression Analysis Model. Meanwhile, data analysis techniques use F Test, Coefficient of Determination (R2), and t Test.The Results of the analysis and discussion show that the variables of brand image, service performance, portfolio services, and physical evidences simultaneously have a significant effect towards customers satisfaction at PT Bank Tabungan Negara (Persero) Tbk, Semarang Branch Office. Partially, variable of brand image and physical evidences each have positive and significant effects towards customers satisfaction at PT Bank Tabungan Negara (Persero) Tbk, Semarang Branch Office. Meanwhile, variable of service performance does not have positive effect nor it is not significant. While portfolio services have positive effect but it is not significant towards customers satisfaction at PT Bank Tabungan Negara (Persero) Tbk, Semarang Branch Office.

ANALISIS PENGARUH CURRENT RATIO (CR), DEBT TO EQUITY RATIO (DER), NET PROFIT MARGIN (NPM), DAN FIRM SIZE TERHADAP EARNING PER SHARE (EPS) (Studi pada Perusahaan Sektor Industri Dasar dan Kimia yang tercatat di BEI Periode 2014-2018) Muhammad Subhan Nurul Umam; Edi Wijayanto; Mochammad Abdul Kodir
KEUNIS Vol 7, No 2 (2019): JULI 2019
Publisher : FInance and Banking Program, Accounting Department, Politeknik Negeri Semarang

The purpose of this research is to analyze the effect and significancy of current ratio, debt to equity ratio, net profit margin, and firm size toward earning per share at Basic Industry And Chemicals Sector Companies during the period 2014-2018. The population and sample in this research is 7 companies at the Basic Industry And Chemicals Sector Companies which is chosen by proposive sampling. Analyze model used in this research is multiple linear regression dated panel analysis model operated by the software eviews 10.0. The result of the multiple linear regression analysis dated panel model shows that (1) The current ratio toward earning per share is not significant (2) The effect debt to equity ratio toward earning per share is not significant (3) The effect of net profit margin toward earning per share is significant (4) The effect of firm size toward earning per share is 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

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.

REKSADANA SYARIAH dan KONVENSIONAL DI INDONESIA Nurseto Adhi; Dewi Pratiwi Aji; Winarni Winarni
KEUNIS Vol 9, No 2 (2021): JULI 2021
Publisher : FInance and Banking Program, Accounting Department, Politeknik Negeri Semarang

This study aims to test the difference between the conventional mutual fund and the sharia mutual fund on performances and risk. The development of mutual fund products is based on 2 (two) categories, conventional mutual funds, and sharia mutual funds (www.ojk.go.id). Based on data from the Data Center and Statistics of Islamic Mutual Funds, the performance of Islamic mutual funds is still underperformed compared to conventional mutual funds. Therefore, testing the performance of Islamic mutual funds by testing the performance of conventional mutual funds has not been widely tested. Secondary data was used in this study with all 1425 mutual funds from 2012-2017 on the Indonesia Stock Exchange was used as the population in this study is. The purposive sampling technique determines the sample in this study. The sample used in this study was Conventional and Shariah mutual fund in Indonesia Stock Exchange (IDX) with six products each. This hypothesis test used Differential Test tools with data analysis techniques using Paired sample t-test analysis using SPSS 25. In this study, we found that there was a significant difference between the return on conventional mutual funds and Syariah mutual funds. While the risk, Sharpe method, Treynor method, and Jensen method have not significant difference between conventional mutual funds and Syariah mutual funds.

ANALISIS PENILAIAN TINGKAT KESEHATAN BANK DENGAN METODE RISK BASED BANK RATING PADA PT BANK DANAMON INDONESIA, Tbk PERIODE 2014-2017 Ardiani Hayumurti; R. Gunawan Setianegara
KEUNIS Vol 7, No 2 (2019): JULI 2019
Publisher : FInance and Banking Program, Accounting Department, Politeknik Negeri Semarang

This research is conducted to identify the bank health rating of PT Bank Danamon Indonesia, Tbk one private bank in Indonesia in the period of 2014-2017 using the Risk Based Bank Rating (RBBR) method whether the bank is classified into one of the 5 categories: very healthy, healthy, healthy enough, not healthy enough, and unhealthy. Risk Based Bank Rating (RBBR) method is used to assess the health rating of bank based on 3 factors, i.e. Risk Profile, Earning, and Capital. This assessment with RBBR Method is done based on SEOJK Number14/SEOJK.03/2017 about the health assessment of conventional banks. The result of this research shows that: first, based on the credit risk aspect, the credit risk is low to moderate. Second, based on the liquidity risk aspect, the liquidity risk is healthy enough. Third, based on the remunerativeness seen by ROA and NIM ratio, the profitability is very adequate. Fourth, based on capital seen by KPMM or CAR ratio, the capital is very adequate

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Contact Name
Septian Yudha Kusuma

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septian.yudhakusuma@polines.ac.id

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+6285726945023

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keunis@polines.ac.id

Editorial Address
Jl. Prof. Sudarto, Tembalang, Kec. Tembalang, Kota Semarang, Jawa Tengah 50275

Location
Kota semarang,

Jawa tengah

INDONESIA

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Home Page

OAI Link

Editorial Team

Contact

Reviewer

Google Scholar

Contact Name Septian Yudha Kusuma

Contact Email septian.yudhakusuma@polines.ac.id

Phone +6285726945023

Journal Mail Official keunis@polines.ac.id

Editorial Address Jl. Prof. Sudarto, Tembalang, Kec. Tembalang, Kota Semarang, Jawa Tengah 50275

Location Kota semarang, Jawa tengah INDONESIA

Abstract

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Contact Name
Septian Yudha Kusuma

Contact Email
septian.yudhakusuma@polines.ac.id

Phone
+6285726945023

Journal Mail Official
keunis@polines.ac.id

Editorial Address
Jl. Prof. Sudarto, Tembalang, Kec. Tembalang, Kota Semarang, Jawa Tengah 50275

Location
Kota semarang,

Jawa tengah

INDONESIA