Application of the Altman's Z-Score Method to Predict the Bankruptcy Potential of Indexed Bank Issuers in SRI-KEHATI (2015–2024)
(Ika Puspita Sari, Andini Nurwulandari, Hasanudin Hasanudin)
DOI : 10.70062/managementdynamics.v2i3.323
- Volume: 2,
Issue: 3,
Sitasi : 0 29-Jul-2025
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| Last.06-Aug-2025
Abstrak:
Research on national banking using the Altman’s Z-Score analysis technique has been relatively extensive, but studies focusing specifically on banks indexed to SRI-KEHATI remain limited. The SRI-KEHATI Index is known as a benchmark for companies with strong sustainability, social responsibility, and good governance practices. This study aims to analyze the health trends of banks listed in the SRI-KEHATI Index during the 2015–2024 period by applying the second modified Altman’s Z-Score model (1993), which is widely recognized as a reliable indicator for assessing a company’s financial stability and risk of bankruptcy. The findings indicate that the overall Altman’s Z-Score trend of major banks within the SRI-KEHATI Index shows stability and a consistently healthy financial condition throughout 2015–2023. However, in 2024 there is a notable decline that requires further examination to determine whether it is caused by market fluctuations, structural challenges, or accounting adjustments. Despite this decrease, the overall financial health of the banks remains categorized as very good according to Altman’s model. The average Z-Score for all four banks analyzed is 6.457, which is well above the threshold of 2.6, indicating no significant bankruptcy risk. When evaluated individually, BMRI stands out as the healthiest with a Z-Score of 13.879, followed by BBNI with 5.971, BBRI with 3.175, and BBCA with 2.801. These results confirm that all four banks remain in a safe financial zone during the 2015–2024 period. Furthermore, the study’s four hypotheses are proven, reinforcing the argument that SRI-KEHATI indexed banks maintain strong financial resilience even amid post-Covid-19 challenges.
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2025 |
Hubungan Faktor Lingkungan Fisik dan Tindakan Masyarakat dengan Kejadian Demam Berdarah Dengue (DBD) di Wilayah Kerja Puskesmas Rawasari Kota Jambi Tahun 2025
(Annisa Aruna El Tivani, Oka Lesmana S., Andree Aulia Rahmat, RD. Halim, Puspita Sari)
DOI : 10.55606/jikki.v5i1.7216
- Volume: 5,
Issue: 1,
Sitasi : 0 03-Jul-2025
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| Last.11-Aug-2025
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Dengue Hemorrhagic Fever (DHF) is a disease caused by the dengue virus and transmitted by the Aedes aegypti mosquito. The working area of the Rawasari Health Center in Jambi City shows a trend of increasing dengue cases from year to year. This indicates that there may be other factors influencing the incidence of dengue, including physical environmental conditions and community behavior. The objective of this research is to determine the relationship between the presence of mosquito larvae in water reservoirs/containers, the action of hanging clothes, using mosquito repellent, cleaning water containers, disposing of waste items, and installing wire mesh with the incidence of dengue fever in the working area of the Rawasari Health Center in 2025. This research uses a quantitative study, with a case control design. The sample size consisted of 24 cases and 24 controls determined by matched case control study techniques based on age and gender. Data were collected through questionnaires and observation sheets, and analyzed using the chi-square test to determine the relationship between the independent variables and the incidence of dengue fever. The results show that the presence of mosquito larvae in water storage containers (p-value 0.042), practices of cleaning water storage containers (p-value 0.020), actions to eliminate waste items (p-value 0.043), and the installation of screens or mosquito nets (p-value 0.004) are significantly related to the incidence of dengue fever. Conversely, other factors such as the habit of drying clothes and the use of mosquito repellent did not show a statistically significant relationship with dengue fever cases in the study population. There is a significant relationship between the actions of cleaning water storage places and installing wire mesh. Effective prevention requires active community involvement in maintaining environmental cleanliness and consistently implementing the 3M Plus practices.
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2025 |
Perancangan Desain Pedoman Manajemen Krisis Berbasis Teknologi Artificial Sebagai Inovasi di Bidang Kehumasan
(Wina Puspita Sari, Muria Putriana, Indah Fajar Rosalina, Qoryna Noer Seyma El Farabi, Kayla Sulendra Kusumah, Muhammad Ardi Himawan, Muhammad Faishal Alghoniyyu, Najwa Aulia Khansa)
DOI : 10.55606/khatulistiwa.v5i3.7144
- Volume: 5,
Issue: 3,
Sitasi : 0 01-Jul-2025
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| Last.11-Aug-2025
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This study aims to analyze the extent to which artificial intelligence (AI) technologies are utilized by government institutions and companies in public relations (PR) practices, and to relate these findings to crisis management strategies. Using a descriptive quantitative approach, data were collected through surveys and interviews involving 23 institutions, consisting of 19 government agencies and 4 private companies. The results show that ChatGPT is the most widely used AI tool (56%), followed by Gemini (34%) and QuillBot (14%). Most other tools showed low usage rates, with a high percentage falling under the “unknown” category, indicating limited information and awareness regarding AI technologies within PR environments. These findings have strategic implications in the context of crisis management, as the speed and accuracy of information dissemination are highly dependent on technological adaptability. The integration of AI tools into public communication systems can serve as both a preventive and responsive solution to reputational and operational crises. Therefore, policies are needed to enhance digital literacy and provide technical training on AI utilization for PR practitioners in both the public and private sectors.
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2025 |
Pengaruh Pengetahuan Pajak, Norma Subjektif, dan Penghargaan Finansial Terhadap Minat Karir Mahasiswa Menjadi Konsultan Pajak dengan Self-Efficacy Sebagai Variabel Moderasi
(Angelina Puspita Sari, Kautsar Riza Salman)
DOI : 10.51903/kompak.v18i1.2276
- Volume: 18,
Issue: 1,
Sitasi : 0 01-Jul-2025
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| Last.23-Jul-2025
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Minimnya atensi wajib pajak terhadap sosialisasi telah dicoba oleh fiskus pajak menimbulkan kecenderungan wajib pajak buat tidak patuh dalam penuhi kewajiban perpajakannya. Diperlukan banyak profesi konsultan pajak karena masih minimnya konsultan pajak dalam menangani banyaknya wajib pajak dalam melaporkan kewajibannya. Tujuan penelitian ini adalah untuk mengetahui pengaruh pengetahuan perpajakan, norma subjektif, dan penghargaan finansial terhadap minat berkarir mahasiswa menjadi konsultan pajak dengan self efficacy sebagai variabel moderasi. Metode dalam penelitian ini adalah kuantitatif. Sampel dipilih secara purposive sampling dengan jumlah responden sebanyak 127 orang yang memenuhi kriteria tertentu. Responden yang menjadi subjek penelitian adalah mahasiswa Universitas Hayam Wuruk Perbanas Surabaya, UPN Veteran Jawa Timur, Sekolah Tinggi Ilmu Ekonomi Indonesia Surabaya. Analisis data dilakukan dengan menggunakan Partial Least Square Structural Equation Modeling (PLS-SEM) dengan bantuan SmartPLS versi 4.0. Hasil penelitian menunjukkan bahwa pengetahuan perpajakan, norma subjektif, dan penghargaan finansial berpengaruh signifikan terhadap minat karir mahasiswa menjadi konsultan pajak. Self efficacy memperkuat pengetahuan perpajakan, Self efficacy memperlemah norma subjektif, self efficacy tidak memoderasi penghargaan finansial pada minat karir mahasiswa menjadi konsultan pajak.
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2025 |
Strategi Mempertahankan Loyalitas Kerja SDM dalam Meningkatkan Produktivitas Community Officer di PT. Bank BTPN Syariah Tbk. MMS Rantau Rasau
(Penti Puspita Sari, Sry Rosita, Dian Mala Fithriani Aira)
DOI : 10.61132/maeswara.v3i3.1859
- Volume: 3,
Issue: 3,
Sitasi : 0 07-Jun-2025
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| Last.06-Aug-2025
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Work loyalty is a fundamental pillar in human resource management that plays a critical role in sustaining organizational development and enhancing employee productivity. This study aims to explore and analyze the strategies implemented by PT. Bank BTPN Syariah MMS Rantau Rasau in maintaining employee loyalty, particularly among Community Officers who serve as the frontline representatives of the bank in delivering services directly to local communities. The research adopts a descriptive qualitative approach using in-depth interviews and documentation as data collection techniques. The findings reveal that work loyalty can be fostered through several strategies, including equitable and measurable reward systems, regular and relevant training, structured career development, and appropriate compensation and performance-based incentives. Additionally, leadership support and effective two way communication between management and employees play a crucial role in cultivating a sense of ownership and emotional attachment to the organization. These strategies significantly contribute to strengthening employee commitment, dedication, and the willingness to stay and grow with the company, ultimately leading to increased productivity in both quantitative target achievement and qualitative service delivery. This study offers practical implications for the development of human resource management policies in the Islamic banking sector and serves as a reference for other organizations facing similar challenges in maintaining employee loyalty and improving productivity. A comprehensive understanding of loyalty strategies enables organizations to build a sustainable and productive work environment.
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2025 |
Efektivitas Inositol dan Metformin pada Sindrom Ovarium Polikistik (PCOS): Tinjauan Sistematis dari Uji Klinis Acak Terkontrol
(Widya Puspita Sari, Daivan Febri Juan Setiya, Dinda Ashilah Putri Kusnan, Hani’a Fauza, Riyas Hasan Yazid, Meidy Zulvan Prabowo)
DOI : 10.61132/protein.v3i3.1416
- Volume: 3,
Issue: 3,
Sitasi : 0 26-May-2025
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of reproductive age, characterized by insulin resistance (IR), anovulation, and hyperandrogenism, often leading to infertility. Metformin is the first-line therapy used. However, inositol, especially myo-inositol (MI) and D-chiro-inositol (DCI), have shown promising therapeutic potential. Direct comparison and optimal efficacy of both still require a comprehensive review. Objective: This systematic review aims to evaluate the efficacy of inositol (as monotherapy or in combination) compared with metformin, placebo, or no intervention, in improving reproductive, hormonal, and metabolic outcomes in women with PCOS. Methods: Conducted according to PRISMA guidelines, a systematic literature search was conducted in Pubmed and Ebsco databases for randomized controlled trials (RCTs) published in the last 10 years. Studies evaluating inositol and/or metformin in women with PCOS and reporting reproductive, hormonal, or metabolic outcomes were included. Study selection and data extraction were performed independently by five reviewers. Results: Six randomized controlled trials (RCTs) were included in this review. Metformin consistently showed improvements in insulin resistance and androgen levels. Myo-inositol also demonstrated efficacy in improving metabolic and hormonal parameters, as well as reproductive outcomes, often with a better tolerability profile, especially as monotherapy. The combination of metformin and myo-inositol has shown potential improvements in some reproductive functions (such as live birth rate) compared to metformin alone in some studies. However, other studies have shown comparable or superior efficacy of myo-inositol monotherapy with fewer side effects. Adjuvant therapies such as dexamethasone or calcium/vitamin D have shown benefits in certain subpopulations. Conclusions: Both inositol (especially myo-inositol) and metformin have significant therapeutic roles in the management of PCOS. Metformin remains an important intervention for metabolic dysregulation and hyperandrogenism. Inositol appears to be an effective and often better tolerated alternative, with significant reproductive benefits. The choice of therapy should be individualized based on patient phenotype and treatment goals.
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2025 |
Disiplin Kerja Aparatur Sipil Negara pada Sekretariat Dewan Perwakilan Rakyat Daerah Kabupaten Malang
(Rizki Dwi Cahyono, Niki Puspita Sari)
DOI : 10.61132/manuhara.v3i2.1785
- Volume: 3,
Issue: 2,
Sitasi : 0 23-May-2025
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| Last.08-Aug-2025
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The study aims to determine the condition of discipline and efforts to enforce discipline, such as discipline in work attendance, complying with all regulations in work procedures, obeying superiors, being aware of all work and having a sense of responsibility. The type of research applied in this study is an analysis using a descriptive method that relies on a qualitative approach. Data collection techniques are carried out through observation and interviews. For the research subjects interviewed for data collection, they are employees of the Malang Regency DPRD Secretariat. The data analysis technique used is the Miles & Huberman method, which involves data reduction, data presentation, and drawing conclusions. The results of the study show that work discipline is very important to support employee success. The purpose of the work needs to be in line with the plan, both in terms of discipline in work attendance, complying with regulations in work procedures, obeying superiors, being aware of all work and having a sense of responsibility. The work discipline of state civil servants at the Malang Regency DPRD Secretariat shows quite good results, although there are still some violations of work discipline that occur, therefore work discipline must still be improved.
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2025 |
Product Quality, Price, and Brand Image as Determinants of Purchase Decisions for Wardah Facial Moisturizers
(Ni Komang Ayuni Puspita Sari, Satria Bangsawan)
DOI : 10.70062/harmonymanagement.v2i2.231
- Volume: 2,
Issue: 2,
Sitasi : 0 22-May-2025
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This study investigates the impact of product quality, price, and brand image on the purchasing decisions of Wardah facial moisturizer among female students at the Faculty of Economics and Business, University of Lampung. Wardah was selected due to its popularity among young consumers and its reputation as a halal-certified brand offering affordable, high-quality products. Using a quantitative survey method, data were collected from 115 respondents who had purchased the product at least three times. The analysis, conducted through multiple linear regression, reveals that product quality, price, and brand image significantly influence purchase decisions both individually and simultaneously. These results highlight the importance of these factors in consumer decision-making and offer practical insights for cosmetic companies, especially Wardah, in crafting marketing strategies tailored to the preferences of young consumers. Additionally, the findings contribute to the growing body of marketing literature on cosmetic products in the Indonesian context.
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2025 |
Eco-Critical Discourse Analysis of Regional Slogans in Central Java Province
(Kharisma Puspita Sari, Kadarismanto Kadarismanto)
DOI : 10.15294/lc.v19i2.21082
- Volume: 19,
Issue: 2,
Sitasi : 0 01-May-2025
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| Last.10-Jul-2025
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Slogan is short word or phrase that is easy to remember. The current researcher spotted 32 slogans from the regencies in Central Java Province. These slogans has been displayed by using descriptive analysis. The writer employed chosen sampling in exploring the regional slogans as the main data. Obediently, the researcher concluded that the findings of this research was mostly regional places in Central Java Province injected the term of ecofriendly spirit in their slogans. The findings researcher found that 23 regencies intelligibly announced eco-friendly concepts in their slogans and jargon while nine regencies did not comprehensibly state their eco-friendly projects. Furthermore, the researcher detected four common hopes and missions in which their eco-friendly programs as like Bersih/Unspotted, Sehat/Vigorous, Rapi/Immaculate, Indah/Aesthetic, and Nyaman/Comfy. Besides, there would be three specific eco-friendly terms in detectable slogans such as Asri/Far from Air Pollution, Hijau/Green, and Lestari/Everlasting. Last, the researcher hoped that every regency in Indonesia injected eco-friendly principles in their mottos and urban planning to realize ecology persistence in Bumi Pertiwi, Indonesian Country.
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2025 |
Permainan Ular Tangga Meningkatkan Pengetahuan dan Keterampilan Menyikat Gigi Anak Usia Dini
(Muhammad Farhan Situmorang, Willia Novita Eka Rini, Puspita Sari, Asparian Asparian, Muhammad Rifqi Azhary)
DOI : 10.55606/jurrikes.v4i1.4776
- Volume: 4,
Issue: 1,
Sitasi : 0 30-Apr-2025
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| Last.13-Aug-2025
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Dental and oral health problems are still a major challenge for early childhood, especially due to the lack of knowledge and skills in brushing teeth properly. This study aims to determine the effect of the snakes and ladders game as an educational method in improving the knowledge and skills of brushing teeth of early childhood at Ar-Rahimah Kindergarten, Jambi City. This study used a quantitative method with a quasi-experimental one group pretest-posttest design. The research sample was 40 Ar-Rahimah Kindergarten students. The research instruments were knowledge questionnaires and skill observation sheets. The intervention given was a snakes and ladders game that had been modified with educational content related to dental health, accompanied by a demonstration using a tooth phantom. Analysis using the Wilcoxon Signed Ranks Test showed that there was a significant effect between before and after treatment on knowledge (p = 0.000) and skills (p = 0.000). The conclusion of this study is that the snakes and ladders game media can improve the knowledge and skills of brushing teeth of early childhood. It is recommended that the use of snakes and ladders game media can be used as an innovative approach in children's dental health education.
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2025 |