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Analytics

Tri Purwani; Ana Kadarningsih

EBISNIS : JURNAL ILMIAH EKONOMI DAN BISNIS 2020 LPPM Universitas Sains dan Teknologi Komputer

Increasing the prosperity of owners or shareholders is one of the goals of companies that have gone public. The high prosperity will increase the market performance of companies going public. The purpose of this study is to determine the role of financial performance in improving the stock price of companies going public. The population used in this research is 65 companies in the consumer goods sector that are listed on the Indonesia Stock Exchange (IDX) for the 2017-2019 period. The sampling technique used purposive sampling method, in order to obtain a sample of 60 companies that meet the sample criteria. The data analysis method used in this research is multiple linear regression analysis, descriptive analysis, normality test, coefficient of determination, and t test. Financial performance variables are measured from three ratios, namely solvency ratios, profitability ratios, and activity ratios. The results showed that the solvency ratio and profitability ratio have a significant influence on the stock price of companies going public. The activity ratio shows that the results cannot affect the stock price of companies going public

VMS, Dhara Yulita; Maryono, Maryono; Santosa, Agus Budi

Dinamika Akuntansi Keuangan dan Perbankan 2020 Faculty of Economic and Business Universitas STIKUBANK

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

Aniroh, Anifatin; Mansur, Ely; Agrosamdhyo, Raden

Jurnal Maisyatuna 2020 STAI Denpasar Bali

ABSTRAKPerilaku seseorang dalam memutuskan untuk memilih produk dalam pembiayaan multijasa di setiap lembaga keuangan pasti dipengaruhi oleh rasionalitas ekonomi yakni bagi hasil, fasilitas, pelayanan, kemudahan, kenyamanan dan keamanan transaksi. Karena sebagai indentitas dan juga sebagai langkah untuk menarik nasabah yang pada pencapaiannya yaiu kepercayaan nasabah. Rumusan masalah penelitian ini adalah (1) Apakah proses pemberian pembiayaan dapat berpengaruh terhadap kepercayaan nasabah pembiayaan multijasa pada PT. Bank Pembiayaan Rakyat Syariah Fajar Sejahtera Bali? (2) Apakah preferensi dapat berpengaruh terhadap kepercayaan nasabah pembiayaan multijasa? (3) Apakah proses pemberian pembiayaan dan preferensi dapat berpengaruhterhadap kepercayaan nasabah pembiayaan multijasa? Tujuan penelitian ini adalah untuk mengetahui (1) pengaruh proses pemberian pembiayaan terhadap kepercayaan nasabah pembiayaan multijasa (2) pengaruh preferensi terhadap kepercayaan nasabah pembiayaan multijasa (3) pengaruh proses pemberian pembiayaan dan preferensi terhadap kepercayaan nasabah pembiayaan multijasa. Metode penelitian ini adalah pendekatan kuantitatif deskriptifdengan sumber data yang digunakan berupa data primer dan sekunder. Populasi penelitian yaitu, nasabah pembiayaan multijasa PT. Bank Pembiayaan Rakyat Syariah (BPRS) Fajar Sejahtera Bali dengan teknik pengumpulan data melalui angket/kuesioner dan dokumentasi. Teknik analisis data yang digunakan adalah ujiregresi linier berganda, uji parsial, uji simultan dan uji determinan dengan menggunakan SPSS (Statistical Package For Social Seince) versi 24. Berdasarkan hasil perhitungan uji regresi linier berganda dengan persamaan Y = 5,719 + 0.134X1 + 0,634X2 + e hasil koefisien korelasi secara terpisah diperoleh X1 5C sebesar 0,134 dengan nilai signifikan 0,037 < 0,05 sedangkan variabel X2 preferensi sebesar 0,634 dengan nilai signifikan 0,000 < 0,05 dengan secara simultan 30,761 dengan signifikan 0,00 besarnya nilai koefisien determinasi tersebut menunjukan adanya pengaruh antara 5C dan preferensi terhadap kepercayaan nasabah pembiayaan multijasa di PT. Bank Pembiayaan Rakyat Syariah (BPRS) Fajar Sejahtera Bali baik secara parsial atau terpisah maupun secara simultan.   ABSTRACTA person's behavior in deciding to choose a product for multi-service financing at any financial institution is definitely influenced by economic rationality, namely profit sharing, facilities, services, convenience, convenience and security of transactions. Because as an identity and also as a step to attract customers whose achievements are customer trust. The formulation of the research problems are (1) whether the process of providing financing can affect the trust of multi-service financing customers in PT. Fajar Sejahtera Bali Sharia People's Financing Bank? (2) Can preferences affect customer trust in multi-service financing? (3) Can the process of providing financing and preferences affect customer trust in multi-service financing? The purpose of this study was to determine (1) theeffect of the process of providing financing on customer trust in multi-service financing (2) the effect of preference on customer trust in multi-service financing (3) the effect of the process of providing financing and preferences on customer trust in multi-service financing. This research method is a descriptive quantitative approach with data sources used in the form of primary and secondary data. The study population, namely, multi-service financing customers of PT. Sharia People's Financing Bank (BPRS) Fajar Sejahtera Bali with data collection techniques through questionnaires / questionnaires and documentation. The data analysis technique used is multiple linear regression test, partial test, simultaneous test and determinant test using SPSS (Statistical Package for SocialSeince) version 24. Based on the results of the calculation of multiple linear regression with the equation Y = 5.719 + 0.134X1 + 0.634X2 + e, the results of the correlation coefficient are separately obtained by X1 5C of 0.134 with a significant value of 0.037 <0.05 while the variable X2 preference is 0.634 with a significant value of 0.000 <0 , 05 with 30.761 simultaneously with a significant 0.00 of the value of the coefficient of determination shows the influence between 5C and preferences on customer trust in multi-service financing in PT. Sharia People's Financing Bank (BPRS) Fajar Sejahtera Bali either partially or separately or simultaneously.

Setiawan, Setiawan; Wulansari, Putri; Kusuma Dewi, Rani Putri

Dinamika Akuntansi Keuangan dan Perbankan 2020 Faculty of Economic and Business Universitas STIKUBANK

This study aims to determine the financial performance and nonfinancial performance in Islamic banks in seven countries ranked GFIR 2017. This research method uses descriptive quantitative. Quantitaf is used to calculate each ratio and then analyzed descriptively describing the calculation scheme. Measurement of financial performance in this study using the method of Economic Value Added (EVA). Measurement of non-financial performance in this study using maqashid syariah index consists of six ratios of ten ratios available. The ratios consist of the ratio of education funding, research cost ratio, training cost ratio, promotion cost ratio, fair return ratio, functional distribution ratio, interest-free product ratio, profit / profit ratio, personal income ratio, and real sector investment ratio. From the research result, it is found that all sharia banks have good financial performance by generating positive EVA value. In non-financial performance, the result of bank rankings with good performance are as follows: Bank Islam Malaysia, Bahrain Islamic Bank, Bank Mandiri Syariah, Kuwait Finance House, Abu Dhabi Islamic Bank, Al-Rajhi Bank.   Keyword: Bank Syariah, Economic Value Added (EVA), Maqashid Syariah Index (MSI)