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All Journal EQIEN - JURNAL EKONOMI DAN BISNIS Journal on Education TSARWATICA (Islamic Economic, Accounting, and Management Journal) Jurnal Pengabdian Masyarakat dan Riset Pendidikan
Juliani Lisma Sari
Universitas Islam DR KHEZ Muttaqien
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Other

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ANALISA KREDIT MODAL KERJA DAN KREDIT INVESTASI SEKTOR INDUSTRI KECIL DAN MENENGAH (STUDI KASUS PADA PT.IKS SEBAGAI DEBITUR BANK BNI Juliani Lisma Sari
Eqien - Jurnal Ekonomi dan Bisnis Vol 6 No 1 (2019): JURNAL EKONOMI DAN BISNIS “E-QIEN”
Publisher : Sekolah Tinggi Ilmu Ekonomi Dr Kh Ez Mutaqien

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (386.164 KB) | DOI: 10.34308/eqien.v6i1.72

Abstract

After the monetary crisis passed then the banking business turned from corporate sector or business sectors to the sector of small and medium enterprises (SMEs). This research uses the method of observation directly to companies and to the bank through the method of interview. The data retrieved is data that is both qualitative and quantitative about the condition of the company and the provisions of the bank. The credit analysis will be based on the 5C framework, which are: Character, Capacity, Capital, Conditions of Economy and Collateral. Outline analysis of creditworthiness is divided into three aspects. The management aspects include the analysis of the history of the company, the relationship with the bank, the legality and integrity of business management, marketing and business prospects, technical aspects inclusions the production/purchase as well as aspects of business facilities. The financial aspects of the company, including an analysis of the financial statements, the vertical and horizontal analysis of financial projections and appraisal of investment analysis by doing an evaluation over the amount of his credit needs. The credit collateral aspects which include the analysis of the legality of collateral, collateral valuation moreover analysis do guarantees. The results of this research over the creditworthiness analysis of The PT.IKS bankable enough votes. Thus, can eventually develop into a major industry with the help of Bank BNI has become a loyal business partner.
ANALYSIS OF THE EFFECT OF THIRD-PARTY FUNDS FOR MURABAHAH, CAPITAL ADEQUACY RATIO (CAR), AND NON-PERFORMING FINANCING (NPF) MURABAHAH TO RETURN ON ASSETS (ROA) AT ISLAMIC COMMERCIAL BANKS IN INDONESIA FOR THE 2017-2020 PERIOD Ropi Marlina; Juliani Lisma Sari; Dewindi Dewindi; Novian Mardani; Ade Nurhayati
TSARWATICA (Islamic Economic, Accounting, and Management Journal) Vol. 4 No. 2 (2023)
Publisher : STIESA Press

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Abstract

The purpose of this study is to analyze the Effect of Third-Party Funds (DPK), Capital Adequacy Ratio (CAR), and Murabahah Non-Performing Financing (NPF) on Return on Asset (ROA). The research method used is in this study is a descriptive method with a quantitative approach and uses panel data regression analysis (Time Series and Cross Series) with a Fixed Effect Model (FEM) model using Eviews software version 10. The sampling method used is purposive sampling, which uses several criteria so that there are 12 Islamic Commercial Banks that are used as samples operating in Indonesia and registered with the OJK from 2017-2020. The results showed that the Third-Party Fund Variable (DPK) and Capital Adequacy Ratio (CAR) had a positive and significant effect on Return on Asset (ROA) in Islamic Commercial Banks. Murabahah's Non-Performing Financing (NPF) has a negative and insignificant influence on Return on Asset (ROA). Murabahah's Third Party Funds, Capital Adequacy Ratio (CAR), and Murabahah's Non-Performing Financing (NPF) simultaneously (together) have a positive and significant influence on Return on Asset (ROA). Islamic commercial banks must consider various solutions to obtain high profitability. Murabahah's Third Party Funds, Capital Adequacy Ratio (CAR), and Murabahah's Non-Performing Financing (NPF) must be maintained and tiered to obtain maximum profitability.
Pengaruh Current Ratio (Cr) , Debt To Equity Ratio (Der) Dan Working Capital Turnover (Wcto) Terhadap Return On Asset (Roa) Pada Perusahaan Sub Sektor Otomotif Dan Komponen Yang Terdaftar di Bursa Efek Indonesia Periode 2017-2021 Tri Wahyudi; Juliani Lisma Sari; Windy Amalia Nur Fadilah; Ibnu Saepul Rohman
Journal on Education Vol 6 No 1 (2023): Journal On Education: Volume 6 Nomor 1 Tahun 2023
Publisher : Departement of Mathematics Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joe.v6i1.4422

Abstract

This study aims to determine the effect of Current Ratio (CR), Debt to Equity Ratio (DER), and Working Capital Turnover (WCTO) on Return On Assets in Automotive sub-sector companies listed on the Indonesia Stock Exchange (IDX) for the 2017-2021 period. The population of this study is automotive and component sub-sector companies listed on the Indonesia Stock Exchange (IDX) during the 2017-2021 period as many as 60 company financial statements. The saturated sampling technique was used as a sampling technique and the 12 companies sampled in this study used quantitative and used associative approaches, using Regression and panels. Based on the results of partial research that Debt to equity ratio (DER), and Working Capital Turnover (WCTO) have no effect on Return On Assets. Simultaneously, Current Ratio (CR), Debt to Equty Ratio (DER), and Working Capital Turnover (WCTO) have a significant effect on Return On Assets.
Pemberdayaan UMKM Simping & Gapit Sri Logay Melalui Analisis SWOT dan Metode USG: Penelitian Juliani Lisma Sari
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 4 No. 3 (2026): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 4 Nomor 3 (Januari 202
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v4i3.5092

Abstract

The Community Service Program integrated into the Community Practice Course–Field Work Practice (KPB-PKL) was conducted at UMKM Simping & Gapit Sri Logay in Purwakarta. This activity aims to broaden students’ knowledge and enhance their competencies, as well as contribute to UMKM development through SWOT analysis and the determination of problem priorities using the USG (Urgency, Seriousness, Growth) method. The implementation involved direct observation, interviews, and documentation collection. The findings indicate that the UMKM possesses several strengths, such as consistent product quality and complete business legality; however, it still faces challenges in the form of limited digital marketing efforts and inadequate financial recording systems. Based on the results of the USG analysis, the problem with the highest level of urgency is the lack of digital marketing. The recommended strategies include digital marketing training and packaging innovation improvement. This program contributes to enhancing business owners’ understanding and supports the formulation of more directed business development strategies.
Co-Authors Ade Nurhayati Kusumadewi Dewindi Dewindi Ibnu Saepul Rohman Novian Mardani Ropi Marlina Tri Wahyudi Windy Amalia Nur Fadilah