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Pengaruh Kecukupan Modal, Risiko Kredit, Risiko Likuiditas dan Pengelolaan Aset Produktif Terhadap Profitabilitas : Studi Keuangan pada Bank Umum Swasta Nasional yang Terdaftar di Bursa Efek Indonesia Periode 2019-2022 Ulpa, Fhirda Putriana; Jhoansyah, Dicky; Sunarya, Erry
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 11 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i11.4183

Abstract

A bank's profitability is an important indicator of its financial health and future aspirations. Increasing profitability requires effective, efficient management and building public trust. The aim of this research is to determine the effect of Capital Adequacy Ratio, Non Performing Loans, Loan to Deposit Ratio, and Net Interest Margin on Returns on Assets for the period 2019 to 2022. The population in this research is financial reports on the Indonesia Stock Exchange (BEI). The objects of this research are Capital Adequacy Ratio (X1), Non Performing Loans (X2), Loan to Deposit Ratio (X3), Net Interest Margin (X4) and Return On Assets (Y). The research method used is descriptive and associative with a quantitative approach. The data analysis techniques used in this research are statistical and descriptive. Which uses a number of tests such as the classic assumption test which consists of normality test, multicollinearity, heteroscedasticity, multiple linear regression analysis, multiple correlation coefficient, coefficient of determination, hypothesis test (t test) and (f) test using the SPSS application. The research results show that from the t test (partial) the Capital Adequacy Ratio partially shows a result of 0.019 where tcount is 0.019<ttable 2.021 with a significance value of 0.019, next for Non Performing Loans shows Tcount<Ttable (0.145<2.021) with a significance value of 0.145, then for Loan to Deposit Ratio shows a Tcount of 0.035<Ttable 2.021 with a significance value of 0.035 and Net Interest Margin shows a Tcount of 0.001<Ttable 2.021 with a significance value of 0.001. The conclusion is that CAR, NPL, LDR partially have no influence on Return On Assets, while NIM partially has an influence on profitability.
Analisis Inovasi Produk, Orientasi Pasar dan Strategi Bersaing dalam Meningkatkan Kinerja Bisnis Coffee Shop Survei pada Coffee Shop di Kota Sukabumi aljaidi, salha said; Sunarya, Erry; Ramdan, Asep Muhamad
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 12 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i12.4756

Abstract

The growth of Coffee shops in Sukabumi City can be said to be high for a small city, there are already 54 Coffee shops which previously only had 37 Coffee shops. This indicates the high growth of Coffee shops in Sukabumi City. However, it also indicates the tight competition of Coffee shops in Sukabumi City. This researcher aims to determine how much influence product innovation, market orientation and competitive strategy have in improving business performance in coffee shops. This researcher uses descriptive and associative methods with a quantitative approach. The population in this study was coffee shops in Sukabumi City as many as 54 coffee shops. The data analysis techniques used in this study are the classical assumption test, multiple correlation coefficient, determination coefficient, multiple linear regression, and simultaneous hypothesis testing (F Test) and partially (T Test). The results of this study indicate that product innovation, market orientation and competitive strategy have a significant effect on business performance, this is evidenced by the calculated F 80.307> F table 2.790 which means the calculated F value is greater than the F table. Partially, product innovation has a significant effect on business performance, this is evidenced by the T count of 8.485> T table 1.674, which means that T count is greater than T table. Market orientation has a significant effect on business performance, this is evidenced by the T count of 2.604> T table 1.674, which means that T count is greater than T table. Then the competitive strategy does not have a significant effect, this is evidenced by the T count of 0.220> T table 1.674, which means that T count is smaller than T table with an error level of 0.05.
HUMAN RESOURCE DEVELOPMENT STRATEGY IN OPTIMIZING THE QUALITY OF EDUCATION AT KUTTAB AL FATIH DEPOK Ferdianza, Yan; Muhammad Danial, R. Deni; Sunarya, Erry
SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol. 3 No. 3 (2024): February
Publisher : Penerbit Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/sibatik.v3i3.1867

Abstract

To measure the quality or quality of education in each country, one of them is through PISA conducted by The Organization for Economic Co-operation and Development (OECD). The 2022 Programme for International Student Assessment (PISA) report 2018 – 2022 released in early December 2023 shows that the quality of Indonesian education occupies the 63rd position out of 81 countries. This shows that the quality of Indonesian education is still low. The purpose of this study is to describe the strategy of human resource development in improving the quality of education at Kuttab Al Fatih Depok. This research uses a qualitative descriptive method using case study research. The results of the study stated that to prepare qualified teachers, Kuttab Al Fatih Depok held the I'dad Mudarrisin Academy program for teacher education for 2 years before being placed in Kuttab Al Fatih. Meanwhile, Kuttab Al Fatih Depok's strategy is to develop its organization by establishing closeness in the vision and mission of the institution to parents. For the development of human resources in optimizing the quality of education in Kuttab Al Fatih Depok through weekly training and providing educational scholarships such as Family Academy, Qur'an Academy, and Siroh Academy. By participating in the program, quality human resources are produced and have an impact on the quality of education at Kuttab Al Fatih Depok, namely the fulfillment of the target of graduates of at least 7 juz of Qur'an memorization.
EVALUATION OF TEACHER EMPOWERMENT PROGRAMS IN OPTIMIZING THE QUALITY OF EDUCATION SERVICES USING THE CIPP MODEL Fairuz, Fathmah; H. Suwiryo, Darmo; Sunarya, Erry
SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol. 3 No. 4 (2024): March
Publisher : Penerbit Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/sibatik.v3i4.1872

Abstract

This study aims to evaluate the teacher empowerment program at SMK Ummul Quro Cireunghas, Sukabumi Regency in improving the quality of educational services by considering aspects of context, input, process, and product (CIPP). This study used a qualitative research approach. The sample data source of this study was selected using the snowball sampling technique. Data was collected based on interviews, observations, and documentation. The research findings revealed that (1) the context aspect is good where the teacher empowerment program at SMK Ummul Quro is very helpful for teachers in carrying out their duties and responsibilities as educators; (2) The input aspect is good, the resources allocated in the teacher empowerment program consist of budget costs, facilities and infrastructure, resource persons, cooperation and support from institutions. However, resources in the form of funds and facilities are still limited; (3) the process aspect is good, the empowerment program implementation process is carried out through planning, analyzing teacher professional development needs, program design, resource procurement, selection of facilitators or instructors or resource persons, program implementation, evaluation of results on program effectiveness including feedback from teacher performance, further development or additional training and adjustment of implementation strategies, encouraging teachers to continue learning and developing; (4) The product aspect is good, there have been significant changes as a result of the teacher empowerment program, namely improving teacher performance and improving student learning outcomes, increasing collaboration between teachers, increasing parental involvement, and improving student learning, developing digital learning resources, higher levels of employment. This study recommends that several inhibiting factors need to be improved so that the implementation of educational activities can run smoothly according to the objectives that have been set.
The Effect of Profitability and Capital Structure on Firm Value with Dividend Policy as an Intervening Variable in Textile and Garment Companies in 2023-2024 on the Indonesia Stock Exchange (IDX) Amelia, Lia; Sunarya, Erry; Danial, R. Deni Muhammad
JURNAL MANAJEMEN MOTIVASI Vol 21 No 2 (2025): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v21i2.8133

Abstract

This study aims to analyze the effect of profitability and capital structure on firm value with dividend policy as an intervening variable in textile and garment companies listed on the Indonesia Stock Exchange (IDX) during the period 2023-2024. The research approach used is quantitative with associative research type. The research sample consisted of 16 companies selected by purposive sampling method, with a total of 128 observation data for 8 quarters. The data used is secondary data in the form of financial reports downloaded from the official IDX website. Data analysis was carried out using descriptive statistical techniques and Partial Least Square (PLS) with the help of SmartPLS software. The results showed that profitability (ROA) has no significant effect on firm value (PBV) or dividend policy (DPR). Capital structure (DER) has a negative and significant effect on firm value (PBV), but has no significant effect on dividend policy (DPR). In addition, dividend policy (DPR) also has no significant effect on firm value (PBV) and is unable to mediate the effect of profitability and capital structure on firm value. These findings indicate that in the conditions of the Indonesian textile and garment industry in 2023-2024, profitability and dividend policy factors have not been able to increase firm value directly or indirectly, while too high a capital structure actually reduces firm value in the eyes of investors.
Analysis Of Workload And Emotional Intelligence In Enhancing Employee Performance At Permata Cirebon Hospital Through The Mechanisms Of Adaptation Setiawan, Mira Utami; Sunarya, Erry; Suwiryo, Darmo H.
JURNAL MANAJEMEN MOTIVASI Vol 21 No 2 (2025): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v21i2.8161

Abstract

This study aims to examine the effect of workload and emotional intelligence on employee performance with the mediating role of adaptation mechanisms at Permata Cirebon Hospital. The method used is quantitative method with Structural Equation Modeling (SEM) technique, involving 200 respondents. The results show that workload has a negative effect on performance, while emotional intelligence has a significant positive effect. Adaptation mechanisms proved to significantly mediate the relationship between the two variables on employee performance. The findings confirm the importance of managing workload, developing emotional intelligence, and strengthening adaptability as strategies to improve employee performance in a sustainable manner.
Analysis of Public Service Quality at the Investment and One-Stop Integrated Service Office of Sukabumi City Husna, Asmaul; Sunarya, Erry; Suwiryo, Darmo H.
JURNAL MANAJEMEN MOTIVASI Vol 21 No 2 (2025): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v21i2.8170

Abstract

This study aims to analyze the quality of public services provided by the Investment and One-Stop Integrated Services Office (DPMPTSP) of Sukabumi City, particularly in issuing Trade Business Licenses (SIUP). Employing a qualitative descriptive approach, data were gathered through in-depth interviews, non-participant observation, and documentation. The research applied the SERVQUAL model, assessing five dimensions: tangibles, reliability, responsiveness, assurance, and empathy. Results show that DPMPTSP services are generally perceived as “good,” with tangible elements (infrastructure and appearance of staff) considered adequate. Reliability is reflected in adherence to SOPs, though some issues arise from network disruptions and application completeness. Responsiveness and empathy are rated positively by service users, while assurance is supported by staff professionalism and transparency. The use of the Online Single Submission (OSS) system contributes to the efficiency and legality of business licensing. However, challenges remain in digital literacy among applicants and occasional delays. The study concludes that continuous improvement in service speed, transparency, and system optimization is essential. DPMPTSP is recommended to enhance digital infrastructure, provide regular training, and expand public information access to strengthen trust and satisfaction in public service delivery.
Analysis of Ease of Use and Transaction Security in Interest in Using Brimo and User Trust as Mediation (Survey on BRIMO Sukabumi users) Gunawan, Handi; Rachmawati, Ike; Sunarya, Erry
JURNAL MANAJEMEN MOTIVASI Vol 21 No 2 (2025): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v21i2.8185

Abstract

This study aims to determine the effect of ease of use and transaction security on interest in using BRImo, as well as the role of user trust as a mediating variable for BRI customers in Sukabumi. A quantitative approach was used in this study with a survey method of 399 active BRImo user respondents. Data analysis was conducted using Partial Least Square with the help of SmartPLS 4.0 software. The results showed that both ease of use and transaction security had a positive and significant effect on interest in using BRImo. In addition, user trust is proven to be able to mediate the relationship between ease of use and transaction security on interest in using. The highest mean on the interest in using variable is found in the indicator of recommendation to use BRImo, while the lowest mean is found in attraction due to ease of transactions. Overall, respondents' perceptions of all variables are high, but there is still room for improvement, especially in the aspects of overall experience, transaction security, and technical service capabilities. These findings indicate the importance of comprehensively improving the quality of user experience to encourage loyalty and intensity of use of BRImo in the future.