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All Journal eCo-Fin Ekspresi: Publikasi Kegiatan Pengabdian Indonesia
Mutia Ariska
Universitas Baturaja
Religion Arts Economics, Econometrics & Finance Education Health Professions Law, Crime, Criminology & Criminal Justice Social Sciences

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Analisis Pengaruh Kinerja Keuangan Terhadap Stabilitas Keuangan PT Bank Mandiri (Persero) Tbk Tahun 2017-2024 Mutia Ariska; Rini Efriyanti; Novegya Ratih Primandari; Novie Almuhariah; Ali Akbar
eCo-Fin Vol. 8 No. 2 (2026): eCo-Fin
Publisher : Komunitas Dosen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32877/ef.v8i2.3828

Abstract

Stabilitas keuangan perbankan merupakan salah satu faktor krusial dalam mempertahankan keberlangsungan sistem keuangan, terutama pada periode yang diwarnai oleh perubahan kondisi ekonomi. Meskipun berbagai indikator kinerja keuangan diyakini berperan dalam menjaga stabilitas bank, hasil penelitian sebelumnya masih memperlihatkan temuan yang belum konsisten. Penelitian ini menganalisis pengaruh kinerja keuangan yang direpresentasikan dengan 4 rasio seperti Non-Performing Loan (NPL), Biaya Operasional terhadap Pendapatan Operasional (BOPO), Loan to Deposit Ratio (LDR), dan Net Interest Margin (NIM) terhadap stabilitas keuangan yang diukur menggunakan Z-Score pada PT Bank Mandiri (Persero) Tbk selama periode 2017-2024. Pendekatan kuantitatif diterapkan dengan memanfaatkan data sekunder berupa laporan keuangan triwulanan sebanyak 32 observasi yang dianalisis menggunakan regresi linear berganda. Hasil analisis memperlihatkan bahwa NPL memiliki pengaruh negatif dan signifikan terhadap stabilitas keuangan, sedangkan NIM berpengaruh positif dan signifikan. Sebaliknya, BOPO dan LDR belum menunjukkan pengaruh yang signifikan terhadap stabilitas keuangan. Secara bersama-sama, seluruh variabel independen berkontribusi terhadap perubahan stabilitas keuangan. Temuan ini menegaskan bahwa pengelolaan risiko kredit serta kemampuan menghasilkan pendapatan bunga merupakan aspek yang berperan dalam menjaga stabilitas keuangan perbankan.
Serai Wangi Sebagai Alternatif Obat Nyamuk Alami : Potensi dan Penerapan dalam Kewirausahaan Clara Dwi Jayantika; Mutia Ariska; Merita Auli
Ekspresi : Publikasi Kegiatan Pengabdian Indonesia Vol. 2 No. 4 (2025): Oktober: Ekspresi : Publikasi Kegiatan Pengabdian Indonesia
Publisher : Asosiasi Seni Desain dan Komunikasi Visual Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/ekspresi.v2i1.542

Abstract

Dengue fever, malaria, and other mosquito-borne diseases remain significant health problems and challenges in various regions, especially in rural areas. Dengue fever (DBD) is caused by the dengue virus types 1-4, which are transmitted through the bites of Aedes aegypti and Aedes albopictus mosquitoes. The majority of the residents of Karya Mukti Village work as rubber tappers. They usually start their activities early in the morning or even before dawn. However, mosquitoes are most active in the morning and late afternoon, making the local community highly vulnerable to mosquito bites. To address this issue, the people of Karya Mukti Village still widely use mosquito repellents available on the market, which contain harmful chemicals that pose risks to both health and the environment if used over the long term. Therefore, this community service initiative aims to conduct outreach and hands-on training on the use of citronella (Cymbopogon nardus) as a natural mosquito repellent alternative. This program is carried out using a socialization and product-making approach through participatory engagement, where Dasawisma (women's community groups) are encouraged to identify their needs and challenges, as well as appropriate solutions to address them. By involving Dasawisma members in the learning and production process of natural mosquito repellents, it is hoped that they will gain better knowledge and skills in making natural mosquito repellents.
Co-Authors Ali Akbar Clara Dwi Jayantika Merita Auli Novie Almuhariah Ratih Primandari, Novegya Rini Efriyanti