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This study aims to measure the effect of the variables Return On Asset (ROA), Return On Equity (ROE), Net Profit Margin (NPM) on the Stock Price of Persero Commercial Banks in Indonesia in 2017-2021. The number of samples consists of 4 banks obtained using the total sampling technique. The data used is secondary data obtained from the Quarterly Financial Statements published on the official website of PT Bank Negara Indonesia (Persero) Tbk, PT Bank Mandiri (Persero) Tbk, PT Bank Rakyat Indonesia (Persero) Tbk, and PT Bank Tabungan Negara (Persero) Tbk during of the period 2017-2021. The data analysis model used is multiple linear regression analysis using SPSS 25.00 software. In contrast, hypothesis testing uses data analysis techniques, namely the coefficient of determination (Adjusted R2), F test and t-test. Based on the results of the coefficient of determination test (Adjusted R2), it shows that Return On Assets (ROA), Return On Equity (ROE), and Net Profit Margin (NPM) contribute an influence of 0.36 or 36% to the stock price. In comparison, 0.64 or 64% is explained by other variables outside the research model. F-test results show that Return On Assets (ROA), Return On Equity (ROE), and Net Profit Margin (NPM) simultaneously have a significant effect on stock prices. Based on the results of the t-test shows that the variables Return On Assets (ROA), Return On Equity (ROE), Net Profit Margin (NPM) partially have a significant effect on the Share Price at Persero Commercial Banks in Indonesia for the period 2017-2021.

Penelitian ini bertujuan untuk mengetahui kinerja keuangan PT Semen Tonasa periode 2016 sampai dengan 2020 dengan menggunakan metode Du Pont. Populasi dalam penelitian ini yaitu laporan keuangan PT Semen Tonasa periode 2016-2020. Adapun sampel dalam penelitian yaitu laporan posisi keuangan dan laporan laba rugi PT Semen Tonasa tahun 2016-2020. Teknik pengumpulan data dalam penelitian ini yaitu menggunakan teknik wawancara dan dokumentasi dimana jenis datanya yaitu kuantitatif. Teknik analisis data yang digunakan yaitu analisis Du Pont yang terdiri dari Return On Investment (ROI) yang mencakup rasio Net Profit Margin (NPM) dan Total Assets Turnover (TATO), serta Return On Equity (ROE) yang mencakup Return On Investment (ROI) dan Equity Multiplier.Berdasarkan hasil penelitian disimpulkan bahwa kinerja PT Semen Tonasa untuk periode 2016-2020 yang dinilai menggunakan standar rata-rata industri semen menunjukkan kinerja yang belum optimal pada tahun 2016 dan 2017, dan optimal pada tahun 2018-2020 yang dilihat dari nilai Return On Investment (ROI) dan nilai Return On Equity (ROE). Kinerja keuangan yang belum optimal yang dilihat dari nilai Return On Investment (ROI) ini disebabkan karena perusahaan kurang mampu dalam meminimalisir biaya beban usaha yang ada sehingga laba bersih yang diperoleh perusahaan masih rendah. Sedangkan dari sisi Return On Equity (ROE) disebabkan oleh hasil (return) atas jumlah aktiva yang digunakan dan kemampuan perusahaan dalam mendayagunakan ekuitas pemegang saham belum optimal. Kinerja keuangan yang telah optimal pada tahun 2018-2020 dari sisi Return On Investment (ROI) disebabkan oleh perusahaan telah mampu meminimalisir beban usaha yang ada sehingga perusahaan dapat memperoleh laba bersih yang tinggi. Sedangkan dari sisi Return On Equity (ROE) disebabkan oleh tingginya laba bersih yang diperoleh perusahaan akibat mampunya perusahaan dalam meminimalisir beban usaha yang digunakan dan perusahaan telah mampu meningkatkan ekuitas atau modal sendirinya untuk membiayai aset.      

This study aims to analyze the comparison of financial performance between conventional commercial banks and sharia commercial banks in Indonesia. This research is a type of descriptive research with a quantitative approach. The population taken in this study are commercial banks registered with the Otoritas Jasa Keuangan (OJK). Sampling in this study was conducted using purposive sampling technique so that a sample of 11 conventional commercial banks and 9 sharia commercial banks was obtained. The data used is secondary data obtained from the published annual reports of each commercial bank registered with the Otoritas Jasa Keuangan (OJK) during the 2016-2020 period. The data in this study consists of financial ratios Return On Assets (ROA), Return On Equity (ROE), Net Interest Margin/Net Operating Margin (NIM/NOM), Operating Costs to Operating Income (BOPO), and Non-Performing Loans/Non-Performing Financing (NPL/NPF). In this study, data analysis was carried out using descriptive statistical analysis and the two-sample independent test of non-parametric statistics, namely the Mann Whitney test. After analyzing the data, the results show that there are differences in the financial performance of conventional commercial banks and sharia commercial banks as measured by the ratio of ROA, ROE, NIM/NOM, BOPO and NPL/NPF. In general, the financial performance of conventional commercial banks is better than that of Islamic commercial banks.  

The research analysis of Strawberry Fruit Marketing in the Lake Mas Harun Bastari area, Selupu Rejang District, Rejang Lebong Regency aims to find out marketing channels, marketing margins, and to find out how efficient the Strawberry marketing is in the Danau Mas Harun Bastari tourism area. This research was conducted in June 2022 in the area of ​​Danau Mas Harun Bastari, Selupu Rejang District, Rejang Lebong Regency with farmers and traders in the Mas Harun Bastari Lake area. The data analysis used in this research is Marketing Channel Analysis, Marketing Margin Analysis, and Marketing Efficiency Analysis. This data analysis was used for Farmers and the 11 Retailers Respondents in the Danau Mas Harun Bastari District, Selupu Rejang District, Rejang Lebong Regency. Based on this research, it is known that the Strawberry Marketing Channel in Selupu Rejang District, Rejang Lebong Regency has one Marketing Channel. Where farmers (producers) sell directly to retailers, then retailers sell to consumers at a price of Rp. 60,000 with a 0.5 kg mica box at a price of Rp. 35,000 and 0.25 kg at a price of Rp. 25,000 where the cost of Rp. 60,000/Kg will get profit of IDR 30,000/kg. This value explains that the retailer receives a higher price than the price received by the consumer, which means that the retailer is not disadvantaged in the marketing channel because the profits obtained by the retailer are greater than the marketing institutions in the marketing channel. The costs incurred by Retailers are in the form of transportation costs, packaging costs, equipment depreciation costs. because the strawberries are well sorted to suit the wishes of consumers. The advantage of marketing institutions is in the form of remuneration received by each marketing agency that participates in marketing strawberries starting from the Farmer level to the Consumer level.  

The company's performance can be seen from the profitability and sustainability in maintaining its business, especially retail companies. The purpose of this study was to examine the influence of factors that affect the performance of retail companies, such as DER, NPM and TATO. The population of this research is 25 companies and the research sample is 8 companies on the Indonesia Stock Exchange (IDX).The research method uses Normality Test, t test, Anova test, Coefficient of Determinants, Correlation and Multiple Linear Regression using SPSS software version 22. The results of the research Net Profit Margin (NPM) and Total Asset Turnover (TATO) have a significant effect on Return on Assets (ROA), while the Debt Equity Ratio (DER) has no significant effect. However, simultaneously the three independent variables (DER, NPM and TATO) have a significant effect on Return on Assets with the equation Y = -0.015 - 0.001X1 + 1.549X2 + 0.011X3.

This study was conducted to examine the effect of Training and Development, Motivation, Competence on the Performance of High School Teachers in Batam City in the mediation of Organizational Commitment. The object of this research uses 3 schools in Batam City, namely SMAN 1 Batam, SMAN 3 Batam and SMAN 5 Batam, with a total population of 160 teachers. Determination of the sample using the Slovin Formula with a Margin Of Error 5% the result is 114 teachers obtained as a sample, data collection by distributing questionnaires through Google Forms in 3 schools and successfully filled out by 131 teachers. This research is quantitative, using Partial Least Square (PLS) for data processing, and the modeling technique used is Structural Equation Model (SEM). This study states that the Variables of Training and Development, Motivation, Competence have a significant positive effect on Organizational Commitment, Variables of Training and Development, Motivation, Competence and Organizational Commitment have a significant positive influence on Teacher Performance, Variables of Organizational Commitment Successfully Mediate the Variables of Training and Development, Motivation , Competence on Teacher Performance.

Indonesia memiliki jumlah startup sebanyak 1998 perusahaan dan empat diantaranya tercatat sebagai startup berlabel unicorn. Startup merupakan perusahaan rintisan atau perusahaan baru yang dihadapkan pada berbagai permasalahan. Pemerintah sendiri mendorong agar startup-startup yang ada untuk maju sebagai perusahaan terbuka. Di tahun 2017, terdapat dua perusahaan startup yang telah go public yaitu PT Kioson Komersial Indonesia Tbk dan PT M Cash Integrasi Tbk. Sebagai perusahaan yang telah go public, kedua startup tersebut mendapatkan modal yang besar yang diperoleh dari penjualan saham kepada publik. Dari perolehan modal tersebut diharapkan kinerja keuangan kedua startup tersebut meningkat. Oleh karena itu, penelitian ini bertujuan untuk menganalisis perbandingan kinerja keuanganPT Kioson Komersial Indonesia Tbk dan PT M Cash Integrasi Tbk sebelum dan sesudah melakukan Initial Public Offering yang diukur dengan menggunakan rasio-rasio keuangan yaitu current ratio, quick ratio, cash ratio, debt to equity ratio, debt to asset ratio, total asset turnover, working capital turnover, gross profit margin, net profit margin, return on asset, return on investment, dan return on equity. Hasil dari hipotesis penelitian menunjukkan bahwa tidak terdapat perbedaan signifikan antara kinerja keuangan sebelum dan sesudah melakukan Initial Public Offering berdasarkan current ratio, quick ratio, cash ratio, debt to equity ratio, debt to asset ratio, total asset turnover, working capital turnover, gross profit margin, net profit margin, return on asset, return on investment, dan return on equity.

This study was conducted to determine the effect of liquidity, leverage, profitability, and activity on profit growth. Also to determine whether fiem size can strengthen the relationship between liquidity, leverage, profitability, and activity on profit growth. The type of data used in this study is secondry data, which was obtained from the annual financial reports of manufacturing company during 2017-2020. The data analysis techniques used in this research were Descriptive Statistical, Normality Test, Classical Assumption Testing, Multiple Linear Analysis Test, F Test, Coefficient of Determination Test, Hypothesis Testing, and Moderated Regression Analysis (MRA). The result of this study indicate that liquidity and leveragehave no significance effect on profit growth, but profitability and activity indicate a positive and significant on profit growth. Meanwhile, firm size only strengthens the effect of liquidity on profit growth.

The purpose of this study was to determine differences in the financial performance of telecommunication companies listed on the Indonesia Stock Exchange before and during the COVID-19 pandemic. The method in this research uses descriptive quantitative. The sampling technique was carried out by purposive sampling. The type of data used is secondary data obtained from the Indonesia Stock Exchange in the form of financial reports for the first quarter - fourth quarter of the Telecommunication Sector Company for the period 2018 and 2020. The research variables used are Current Ratio, Net Profit Margin, Return On Assets, Debt to Asset Ratio and Debt to Equity Ratio. The results of this study indicate a significant difference in the Current Ratio and Debt to Asset Ratio While the Net Profit Margin, Return On Assets and Debt to Equity Ratio there are no significant differences

Perempuan Kepala Keluarga Miskin jumlahnya lebih sedikit dibandingkan dengan Laki-laki Kepala Keluarga Miskin. Jumlah yang kecil tidak menandakan persoalan yang dihadapi lebih sederhana. Perempuan kepala keluarga miskin menghadapi persoalan yang rumit terlebih pada masa pandemic covid-19. Kerebatasan Pendidikan, upah yang rendah serta kemampuan menyangga kehidupan ke;luarga dengan beban yang berat dan aksesibilitas yang terbatas, menjadikan mereka berada pada aras marginal. Tantangan yang dihadapi adalah melakukan  lompatan  ditengah  keterbatasan  yaitu  menjaga  agar  tidak  tertular covid-19 dan sekaligus menyeimbangkan kondisi rumah tangga yang dipimpinnya. Otoritas pengambilan keputusan yang memusat perempuan menjadikan mereka mampu  meskipun   harus   berjuang   tanpa   batas.   Kepala   Keluarga   menjadi pertaruhan untuk membuat mereka bertahan pada situasi pandemic. Perempuan yang memiliki identitas hukum berupa surat cerai masih mampu untuk mengakses bantuan,  namun  pada perempuan  tanpa  identitas  hukum,  akses  tertutup  dan harus berjuang sendiri. Temuan penelitian ini menunjukan otoritas pengambilan keputusan dalam rumah tangga mengahdapi pandemic covid-19   sebanyak 98 persen dimiliki sendiri dan 2 persen adalah dukungan anak-anak. Mereka yang berada pada sector informal mengalami kesulitan yang lebih besar dibandingkan yang menggeluti pertanian. Upah yang rendah, waktu yang panjang dan beban yang merat menjadi tantangan yang didapi sehari-hari. Peran pentaholik belum dapat dirasakan untuk meringakan beban mereka. Mereka menghadapi kesulitan dalam keterbatasan dan dalam ujian-ujian yang mempengaruhi pertahanan untuk keberlanjutan hidup.

The aims of this research include: (1) To find out the forms of marginalization and discrimination experienced by the character Nyai Ontosoroh in Pramoedya Ananta Toer's Romance of the Earth of Mankind. (2) To find out the form of resistance of the character Nyai Ontosoroh in Pramoedya Ananta Toer's Romance of the Earth of Mankind. This type of research is descriptive qualitative. The source of data obtained from this research is the book Earth of Mankind by Pramoedya Ananta Toer as primary data. Meanwhile, secondary data consists of information and references obtained scientifically from books, articles, the internet and mass media related to this research. The data collection technique used library, listening and note-taking techniques through critical discourse analysis developed by Sara Mills. The research results show that: (1) There are 6 data on marginalization experienced by the character Nyai Ontosoroh in the novel Earth of Mankind. In the family realm, the father's restriction/marginalization of rights and freedoms has made him a nyai or concubine (purchased slave). (2) There are 8 data on discrimination experienced by Nyai Ontosoroh. In the public sphere, she is seen by the general public as a woman who has no morals and is always looked down upon. (3) there are 11 data on the resistance of the figure Nyai Ontosoroh. Nyai Ontosoroh appears as the antithesis of the bad views about Nyai-Nyai. Nyai Ontosoroh emerged as the first Indigenous woman to fight European legal authority in defending her rights to her children and company.    

The problem in this study is the fluctuating working capital in cigarette companies listed on the Indonesia Stock Exchange in 2017-2021. This study aimed at determining the influence of working capital on profitability. The population in this study was all cigarette companies listed on the Indonesia Stock Exchange totaling 5 companies. Research samples were obtained using the purposive sampling method. The samples used were from 4 companies. Data was collected through documentation and analyzed using descriptive statistical methods and inferential statistics, namely simple linear regression. Hypothesis testing was done through a t-test. The results of the descriptive analysis revealed that: (1) Working capital had an average value (mean) of IDR.14,277,908,600 of the total working capital. (2) Gross profit margin had an average value (mean) of 19.8 which shows that every IDR. 1 sale can be fulfilled with IDR.19.8 gross profit owned by the company. The results of the t-test statistic indicated that working capital (X) had a positive and significant influence on the variable gross profit margin (Y). The results of the determination analysis (R²) showed that the working capital variable was able to explain the fluctuation of profitability of cigarette companies listed on the Indonesia Stock Exchange by 21.4%.

This study aims to determine the relathionship between Net Profit Margin (NPM), Return On Investment (ROI), Return On Equity (ROE),  Earning Per Share (EPS), and Dividend Per Share (DPS)  to Stock Price. Population in this reseach is large tranding sub-sector food and bevarages on the Indonesian Stock Exchange during 2015 until 2018 period. Technique of sampling in this reseach using purposive sampling with a total sample based on criteria is 44. The results of the study indicate that partially Net Profit Margin (NPM) has positive affect the stock price, Return On Investment (ROI) has significant negative affect the stock price, Return On Equity (ROE) has positive affect the stock price, Earning Per Share (EPS) has significant negative affect the stock price, and Dividend Per Share (DPS)  has positive affect the stock price.  Keywords: stock price, net profit margin),  return on investment, return on equity, earning per share, and dividend  per share

Covid-19 memberikan dampak yang cukup luas terhadap kegiatan yang dilakukan masyarakat, salah satunya adalah dampak dalam kegiatan perekonomian dalam lembaga keuangan perbankan baik dalam bank konvensional maupum bank syariah. Kegiatan perekonomian adalah segala aktivitas yang dilakukan oleh manusia dalam upaya pemenuhan kebutuhan hidupnya. Definisi kegiatan ekonomi dapat juga diartikan sebagai upaya yang dilakukan manusia untuk mencapai suatu tingkatan kesejahteraan atau kemakmuran dalam hidup. Dalam karya ilmiah ini penulis akan memaparkan bagaimana dampak yang disebabkan oleh virus corona terhadap lembaga keuangan bank syariah.Penelitian ini menggunakan metode penelitian kualitatif. Karena informasi yang diperoleh dari berita berita terbaru dan sumber-sumber terpercaya, mengenai bagaimana pengaruh/dampak yang diakibatkan oleh covid-19 (corona virus). Penulis menggunakan teknik pengamatan berupa observasi terhadap berita berita yang berkaitan dengan virus covid-19 (corona).Hasil penelitian menunjukkan bahwa dampak dari pandemi covid-19 terhadap sektor ekonomi, adalah 1) Pertumbuhan ekonomi indonesia bisa minus 0,4. 2) Penurunan dalam sektor ekspor dan impor. 3) Sektor UMKM 4) Nilai tukar Rupiah anjlok terhadap Dolar AS. Selain itu juga terdapat Dampak covid-19 terhadap sektor Bank Syariah: 1) Penyaluran kredit (pembiayaan). 2) Penurunan kualitas asset. 3) Pengetatan margin bunga

Bank BJB Syariah Karawang provides Loans and KPR. Loans and mortgages are Bank products in which the Bank provides a sum of money to lend to customers, with interest giving, but only a small proportion of them know the interest calculations or called Sharia-Buying when taking credit, whether it is a home loan or vehicle. The methodologi that the authors use in the writing of this thesis include the method of identification and system design. System identification includes organization identification, system running, and problem identification. While the design of the system includes design input output, DFD, ERD, data dictionary and database. Implementation activities in this company has been running well and also has been using computer-based systems, but the technology used is still a technology of the past. In doing the calculation of home loans based on sharia has also been using a computer system. As the authors observe, there are still problems that occur such as recording the margin calculation of each customer that takes a long time, so that will result in errors in the calculation of bank margin that has been established Based on the above matters, the authors argue that to overcome these problems, it is necessary to design and implement an integrated system among related functions in a system using Microsoft Visual Studio 2008 and its database Microsoft SQL Server 2005. With the implementation of the system it is expected that the input process and calculation of margin bank syaiah needed for the future can run smoothly and on time.

The research goals to obtain information and empirical evidence of the influence of intellectual capital on net profit margin, return on invested capital, and return on capital employed. This research was a quantitative research. This research used secondary data which is company financial reports in 2018-2019 taken from Indonesia Stock Exchange. Population of this research was Consumer Non-cyclicals companies listed on Indonesia Stock Exchange 2018-2019. Sample were 43 companies which taken using purposive sampling method based on several criteria. Data analysis was processed using SPSS 23. Data analysis technique used simple linear regression. The results pointed out that intellectual capital had significant positive influence on  net profit margin, return on invested capital, and return on capital employed.

Tujuan Penelitian ini adalah untuk mengetahui dan menganalisis adanya Manajemen Kasitif dan signifikan Kualitas Pelayanan service excelent terhadap kinerja Perusahaan PT Bank Perkreditan Rakyat Restu Klepu Makmur. Hasil penelitian menunjukkan bahwa secara parsial dan bersama-sama ada Manajemen Kasitif Makmur, sudah sesuai dengan misi yaitu mengetahui Standar Operasional Prosedur (SOP) khususnya dalam pelayanan ditujukan untuk memasarkan produkproduk, dan memberikan pelayanan prima kepada nasabah. Dalam menjalankan budaya kerja yang meliputi pelayanan prima, inovasi, keteladanan, professionalisme, Integritas, dan kerjasama sudah sesuai dengan SOP dan budaya kerja yang diterapkan dan diharapkan di BPR Restu Klepu Makmur. Para karyawan dalam memberikan pelayanan kepada nasabah juga sudah memperhatikan dan menerapkan strategi 5s, yaitu senyum, salam, sapa, sopan, dan santun. Kemudian saat melayani juga selalu memberikan edukasi produk, pelayanan, perhitungan margin, bagi hasil sampai manfaat perbankan. Penulis menyimpulkan bahwa manajemen pelayanan prima (service excellence) di BPR Restu Klepu Makmur, 80% sesuai dengan SOP yang ada.

This thesis contains a study of how BPR financial ratios are Current Asset Ratio (CAR)/ Minimum Capital Requirements (KPMM), Non-Performing Loans (NPL), Net Interest Margin (NIM), Operational Costs Operating Income (BOPO), and Loans to Deposit Ratio (LDR) affects the level of profitability projected by the Return on Assets (ROA) ratio. In this study CAR/ KPMM, NPL, NIM, BOPO and LDR as independent variables, while ROA as the dependent variable. This study uses sample data from the financial statements of Rural Bank (BPR) in Semarang City registered with the Financial Services Authority (OJK) in 2016 to 2018. Sampling from the OJK website (www.ojk.go.id) and using the Purpossive method Sampling. There are 23 BPRs that meet the criteria as research samples. The sample data is processed using Microsoft Excel and SPSS 19. The analytical method used for data processing in this study is the Multiple Linear Regression Analysis Method. The results of the data processing in this study indicate that CAR / KPMM and NIM have a significant positive effect on ROA, BOPO has a significant negative effect on ROA and NPL, and LDR does not significantly influence ROA  Key Wor : Rural Credit Banks (BPR), ROA, CAR/KPMM, NPL, NIM, BOPO, LDR

This study aims to test empirically the factors that influence corporate social responsibility disclosure (CSRD). The predictor variables used are Company Size, Profitability, Dept to Equity Ratio (DER) and Net Profit Margin (NPM). The research population is manufacturing companies listed on the IDX from 2017 to 2019, the sampling method used is purposive sampling. Analysis of research data using multiple linear regression and data testing using SPSS-23 software. The research sample according to the sampling criteria is 34 companies, so that the observations are 102 firm years. The results showed that company size, profitability and NPM had a positive effect on corporate social responsibility disclosure (CSRD) and DER had a negative effect on corporate social responsibility disclosure (CSRD). Overall the independent variables used have an influence on CSRD, based on the t test the independent variable affects 33.6% while 66.4 is influenced by other variables not used in this study. The implication of this research is that CSRD can be increased by increasing company size, profitability and NMP and reducing DER.  Keywords: CSRD, Company Size, Profitability, DER and NPM.

This study aims to analyze the effect of the Loan To Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), Net Interest Margin (NIM) and Operational Costs compared to Operating Income (BOPO) to Return On Assets (ROA) (Conventional Commercial Bank Studies 2013 to 2019). This research uses several analytical methods, namely descriptive analysis, Classic Assumption Test, Multiple Linear Regression Test. The LDR independent variable test results have a positive and not significant effect on the dependent variable ROA. CAR, NIM, BOPO have a negative and significant effect on the dependent variable ROA. Simultaneously there is a significant influence between Loan To Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), Net Interest Margin (NIM) and Operational Costs Compared to Operating Income (BOPO) to Return on Assets (ROA). Adjusted R2 Return on Assets (ROA) can be explained by variations of the four independent variables Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), Net Interest Margin (NIM) Variables, Operational Cost Variables compared to Operating Income (BOPO) .   Keywords: ROA, LDR, CAR, NIM and BOPO