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Pengaruh Debt To Asset Ratio (DAR) Dan Debt To Equity Ratio (DER) Terhadap Return On Assets (ROA) Pada Bank Panin TBK PERIODE 2013–2023 Angela Anugrah; Dwi Maharani Putri; Suparjono
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 1 (2025): Juli - September
Publisher : CV. ITTC INDONESIA

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Abstract

This study aims to analyze the impact of Debt to Asset Ratio (DAR) and Debt to Equity Ratio (DER) on Return on Assets (ROA) at Bank Panin Tbk for the period 2013–2023. The research method employed is quantitative with both descriptive and verificative approaches. Data were obtained from the annual financial statements of Bank Panin and analyzed using multiple linear regression. The results indicate that DAR has a significant negative effect on ROA, while DER does not have a significant impact. Simultaneously, DAR and DER significantly influence ROA. These findings imply that effective management of debt structure can enhance the financial performance of Bank Panin.
Analisis Memahami Pelanggan Dan Pesaing Untuk Meraih Keunggulan Di Sma Pelita Bangsa Angela Anugrah; Muamar Rizki Zidan; Veta Lidya Delimah Pasaribu
Jurnal Imiah Pengabdian Pada Masyarakat (JIPM) Vol 3 No 2 (2025): Oktober - Desember
Publisher : CV. ITTC INDONESIA

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Abstract

Rivalry in the education field, especially at SMA Pelita Bangsa, has heightened alongside rising expectations for quality and evolving preferences of students and their parents. Thus, market analysis is essential as a means to comprehend customers—students and parents—and to evaluate the positioning and strategies of rivals within educational institutions. This insight is anticipated to assist the school and its students in obtaining a lasting competitive edge. This research seeks to analyze students' comprehension of customers and competitors while developing strategies that can enhance SMA Pelita Bangsa's standing. The approach employed is qualitative research utilizing a Participatory Action Research (PAR) framework, incorporating observations, Focus Group Discussions (FGD), detailed interviews, and SWOT analysis. The findings indicate that while students grasp the significance of market analysis, its execution is still obstructed by a lack of data and inadequate cooperation among the school, students, and parents. SMA Pelita Bangsa excels in teacher quality and facilities but must improve innovation and data usage. Through differentiation methods and enhanced collaboration with stakeholders, the school and students are equipped to tackle competition successfully and cultivate a more robust entrepreneurial mindset. This research provides essential insights for formulating entrepreneurship strategies and competitive edge in educational environments