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All Journal Journal of Governance Risk Management Compliance and Sustainability Multidisciplinary Indonesian Center Journal Indonesia Economic Journal
Yoki Oktorian Sukardi
International Women University
Religion Humanities Earth & Planetary Sciences Economics, Econometrics & Finance Education Environmental Science Social Sciences Other

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Analysis of Factors Affecting Net Interest Margin in Foreign Banking Companies' Operations in Indonesia Yoki Oktorian Sukardi; Evi Sofiati; Nurjamilah Nurjamilah
Journal of Governance Risk Management Compliance and Sustainability Vol. 6 No. 1 (2026): April Volume
Publisher : Center for Risk Management & Sustainability and RSF Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31098/jgrcs.v6i1.3164

Abstract

This research aims to empirically examine the factors influencing Net Interest Margin (NIM) in foreign banking companies operating in Indonesia. The study is grounded in the banking intermediation theory, which explains how banks manage financial resources to optimize profitability, and the risk-return tradeoff theory, which highlights the balance between risk factors and financial performance. Factors affecting NIM include the Loan to Deposit Ratio (LDR), efficiency ratio calculated by the ratio of operational expenses to operational income (BOPO), credit risk proxied by the Non-Performing Loan (NPL) ratio, and Market Share (MS). The research period covers the year 2019.A purposive sampling method was used, selecting 25 foreign banking companies that met specific criteria. Hypothesis testing was conducted using multiple linear regression analysis with EViews 10. Based on the results of panel data analysis, the t-test shows that the Market Share (MS) variable has a positive but insignificant effect on NIM. The Loan to Deposit Ratio (LDR) and Non-Performing Loan (NPL) variables have negative and statistically insignificant effects on NIM, whereas the Efficiency Ratio (BOPO) has a positive and statistically significant effect on NIM. The F-test results indicate that LDR, BOPO, NPL, and MS simultaneously affect NIM, with a significance value of 0.014544 (p < 0.05). The adjusted R² test results show that the predictive ability of these four independent variables is 33.68%, while the remaining 66.32% is influenced by other variables outside the model.
THE EFFECT OF SERVICE QUALITY AND PRODUCT QUALITY ON CUSTOMER SATISFACTION Fiqri Syafrullah Meidigraha; Yoki Oktorian Sukardi
Multidisciplinary Indonesian Center Journal (MICJO) Vol. 3 No. 1 (2026): Vol. 3 No. 1 Edisi Januari 2026
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/micjo.v3i1.2084

Abstract

This study aims to analyze the effect of service quality and product quality on customer satisfaction for Daily Official Uniform Shirts (PDH) at PT Siso Extra Indonesia. The research employed a descriptive-verificative approach with a quantitative method. The population consisted of all customers of PT Siso Extra Indonesia during the period 2022–2024, totaling 383 customers, with a sample of 196 respondents selected using purposive sampling. Data were collected through a Likert-scale questionnaire and analyzed using multiple linear regression analysis. The results indicate that service quality has a positive and significant effect on customer satisfaction with a significance value of 0.007 (< 0.05). Product quality does not have a significant effect on customer satisfaction, as indicated by a significance value of 0.131 (> 0.05). Simultaneously, service quality and product quality have a significant effect on customer satisfaction with a significance value of 0.013 (< 0.05). The coefficient of determination (R²) of 0.044 shows that 4.4% of customer satisfaction is explained by service quality and product quality, while the remaining percentage is influenced by other factors outside the research model. The findings highlight that service quality plays a dominant role in enhancing customer satisfaction in institution-based garment industries.
Peran Food Influencer Tiktok, Harga Produk dan Lokasi terhadap Minat Kunjungan ke Mawmie Soreang (Survei pada Siswi SMAN 1 Margaasih Kabupaten Bandung) Agung Nur Rohmat; Yoki Oktorian Sukardi
Indonesia Economic Journal Vol. 2 No. 2 (2026): JULI-DESEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/e881bk68

Abstract

Perkembangan media sosial, khususnya TikTok, telah mengubah strategi pemasaran pada industri kuliner melalui pemanfaatan food influencer sebagai media promosi yang mampu mempengaruhi minat kunjungan konsumen. Selain promosi melalui food influencer , faktor harga produk dan lokasi juga menjadi pertimbangan konsumen dalam menentukan minat mengunjungi suatu restoran. Penelitian ini bertujuan untuk mengkaji gambaran deskriptif serta menganalisis kontribusi Food Influencer TikTok, Harga Produk, dan Lokasi terhadap Minat Kunjungan pada Mawmie Soreang. Melalui pendekatan kuantitatif dengan desain deskriptif dan verifikatif, Pengumpulan data dilakukan melalui penyebaran kuesioner kepada 90 siswi SMAN 1 Margaasih menggunakan teknik simple random sampling. Temuan penelitian secara deskriptif menunjukkan bahwa seluruh variabel yang dikaji mendapatkan impresi positif dari responden. Secara verifikatif, hasil uji parsial membuktikan bahwa Food Influencer TikTok dan Harga Produk memiliki pengaruh signifikan dan positif terhadap Minat Kunjungan, sedangkan faktor Lokasi ditemukan tidak berpengaruh secara signifikan. Namun, pengujian secara simultan menunjukkan adanya pengaruh yang signifikan dari ketiga variabel independen tersebut terhadap variabel dependen. Riset ini menyimpulkan bahwa efektivitas promosi berbasis TikTok dan kebijakan harga yang tepat merupakan determinan krusial dalam menstimulasi minat kunjungan, sementara aspek lokasi bukan merupakan prioritas utama bagi segmen responden remaja.
Co-Authors Agung Nur Rohmat Evi Sofiati Fiqri Syafrullah Meidigraha Nurjamilah Nurjamilah