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All Journal Journal of Law, Economics, and Engineering
Mey Mey Yosilia Putri
Universitas Indonesia Membangun
Economics, Econometrics & Finance Engineering Law, Crime, Criminology & Criminal Justice

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Analisis Rasio Keuangan Sebagai Dasar Pengambilan Keputusan Investasi pada PT Bank Negara Indonesia (Persero) TBK Periode 2021–2025 Mey Mey Yosilia Putri; Yasa Kanaya Tedjo; Yoyo Sudaryo; Eko Djoko Prabowo
Journal of Law, Economics, and Engineering Vol. 2 No. 2 (2026)
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai

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Abstract

This study aims to analyze the financial ratios of PT Bank Negara Indonesia (Persero) Tbk during the 2021–2025 period as a basis for investment decision-making. The research employs a quantitative approach with a descriptive method using secondary data obtained from the company's annual reports and financial statements. The analysis focuses on key financial ratios, including Return on Assets (ROA), Return on Equity (ROE), Net Interest Margin (NIM), Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL), Loan to Deposit Ratio (LDR), and Cost to Income Ratio (CIR). The results indicate that BNI experienced consistent growth in total assets, loans, third-party funds, and equity throughout the study period. Profitability ratios remained relatively strong despite a slight decline in 2025, while CAR stayed well above the regulatory minimum and NPL continued to decrease, indicating improved asset quality. Overall, the financial ratio analysis demonstrates that BNI maintained a healthy financial condition and strong fundamentals, making the company an attractive long-term investment alternative for investors.
Pengaruh Strategi Promosi Digital dan Persepsi Harga terhadap Keputusan Pembelian Konsumen Shopee di Kota Bandung Mey Mey Yosilia Putri; Aleani Sahriza Kusnadi; Siska Amelia
Journal of Law, Economics, and Engineering Vol. 2 No. 2 (2026)
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai

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Pesatnya pertumbuhan industri e-commerce di Indonesia mendorong platform seperti Shopee untuk mengandalkan strategi promosi digital dan penetapan harga yang tepat guna mendorong keputusan pembelian konsumen. Namun, hasil penelitian terdahulu mengenai pengaruh kedua faktor tersebut terhadap keputusan pembelian masih menunjukkan inkonsistensi. Penelitian ini bertujuan untuk menganalisis pengaruh strategi promosi digital dan persepsi harga terhadap keputusan pembelian konsumen pada platform Shopee di Kota Bandung, baik secara parsial maupun simultan. Penelitian menggunakan pendekatan kuantitatif dengan metode deskriptif dan verifikatif melalui analisis isi (content analysis) dan netnografi terhadap data sekunder berupa ulasan, komentar, dan rating konsumen yang tersedia secara publik di platform Shopee. Sebanyak 100 unit ulasan dipilih menggunakan teknik purposive sampling dan dikodekan ke dalam skor interval menggunakan panduan koding yang telah diuji validitas isi dan reliabilitas antarpengkodenya (Cohen's Kappa). Data dianalisis menggunakan analisis deskriptif serta regresi linear berganda untuk menguji pengaruh strategi promosi digital dan persepsi harga terhadap keputusan pembelian, baik secara parsial maupun simultan. Penelitian ini diharapkan memberikan kontribusi teoretis bagi pengembangan kajian pemasaran digital serta masukan praktis bagi Shopee dalam merancang strategi promosi dan kebijakan harga yang lebih efektif guna mendorong keputusan pembelian konsumen.
Co-Authors Aleani Sahriza Kusnadi Eko Djoko Prabowo Siska Amelia Yasa Kanaya Tedjo Yoyo Sudaryo