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Siti Rusidah
Universitas Lambung Mangkurat

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PENGARUH CAPITAL ADEQUACY RATIO (CAR) DAN NON PERFORMING LOAN (NPL) TERHADAP RETURN ON ASSET (ROA) PADA BANK UMUM SWASTA NASIONAL YANG TERDAFTAR PADA OTORITAS JASA KEUANGAN (Periode 2016-2021) A’qilia Munawarah; Siti Rusidah; Rizky Muslim Hidayat
Smart Business Journal (SBJ) Vol. 3 No. 1 (2023): Januari-Juni 2023
Publisher : Business Administration, FISIP ULM

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Abstract

The overarching goals of this study are to (1) investigate the partial and simultaneous each variable at National Private Commercial Banks (BUSN) licensed by the Financial Services Authority (OJK), and (2) apply the study's findings to a sample of BUSN (2016-2021 period). This study employs a causal-associational approach to quantitative research. The data used to create this summary was collected using a kind of sampling known as "Purposeful Sampling," which was applied to a subset of BUSN Bank's financial records at random. Each state-owned enterprise bank's financial statements from 2016-2021 were used as secondary data in this analysis. To evaluate the business's success, these statements were used. Reading books and financial reports, in addition to checking out the Financial Services Authority's website. In this study, using Multiple Linear Regression Analysis with the 26.0 Version of SPSS. The findings revealed that the Capital Adequacy Ratio (CAR) and Non-Performing Loans (NPL) had only a minimal impact on ROA (ROA). The Capital Adequacy Ratio (CAR) and Non-Performing Loans are known to have a significant impact on the Return On Assets (ROA) figure (22.90%),
PENGARUH RETURN ON ASSETS (ROA), RETURN ON EQUITY (ROE), DAN EARNING PER SHARE (EPS) TERHADAP HARGA SAHAM PERUSAHAAN PERTAMBANGAN YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2017-2022 Feby Zasa; Noor Hidayati; Siti Rusidah; Maryono
Smart Business Journal (SBJ) Vol. 3 No. 2 (2023): Juli-Desember 2023
Publisher : Business Administration, FISIP ULM

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Abstract

Despite experiencing negative growth during the Covid-19 pandemic in 2020, the national economy has shown resilience and a faster recovery. The stock prices of the mining sector have witnessed significant fluctuations during the period 2017-2022. This research aims to understand and examine the influence of Return on Assets (ROA), Return on Equity (ROE), and Earnings Per Share (EPS). The research is quantitative research with focuses on mining companies within the largest market capitalization companies according to the Indonesia Stock Exchange in 2022. Financial reports of mining companies serve as the population, with 30 financial reports selected as samples from 5 mining companies based on specific criteria. The results indicate that Return on Assets (ROA) does not have a significant partial effect on stock prices, Return on Equity (ROE) does not have a significant partial effect on stock prices, and Earnings Per Share (EPS) has a significant partial effect on stock prices.
PENGARUH CURRENT RATIO (CR) DAN EARNING PER SHARE (EPS) TERHADAP HARGA SAHAM PADA PERUSAHAAN SUB SEKTOR TELEKOMUNIKASI YANG TERDAFTAR DI BURSA EFEK INDONESIA (BEI) TAHUN 2017-2024 Nuraliza Nabila Rahmah; Siti Rusidah; Nurul Wahyuni; Novia Nour Halisa
Smart Business Journal (SBJ) Vol. 5 No. 1 (2025): Januari - Juni 2025
Publisher : Business Administration, FISIP ULM

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Nuraliza Nabila Rahmah, 2110412220015, 2025. The Influence of CR and EPS on Stock Prices in Telecommunication Sub Sector Companies Listed on the IDX 2017-2024, under the guidance of: Siti Rusidah. This research aims to analyze the partial and simultaneous influence of the CR and EPS on stock prices in telecommunication sub sector companies listed on the IDX 2017-2024. A quantitative research desaign, the study utilized purposive sampling to select 32 samples. Secondary data were collected from financial reports, and analyzed through multiple linear regression. The result reveal that the CR does not have a significant partial effect on stock prices in telecommunication sub sector companies listed on the IDX during the period 2017-2024. EPS has a significant partial effect on stock prices in the same companies. Furthermore, CR and EPS simultaneously have a significant effect on stock prices in telecommunication sub sector companies listed on the IDX 2017-2024.
Pengaruh Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) dan Non Performing Loan (NPL) terhadap Return On Asset (ROA) pada Bank Umum Milik Negara (BUMN) yang Terdaftar di Bursa Efek Indonesia (BEI) Periode 2017–2024 Nur Hikmah Ramadhani; Noor Hidayati; Siti Rusidah; Novia Nour Halisa
Smart Business Journal (SBJ) Vol. 5 No. 2 (2025): Juli- Desember 2025
Publisher : Business Administration, FISIP ULM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20527/sbj.v5i2.70

Abstract

The impact of the Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), and Non-Performing Loans (NPL) on Return on Assets (ROA) in State-Owned Commercial Banks (BUMN) recorded on the Indonesia Stock Exchange (IDX) for the 2017–2024 Period.This inquiry is oriented to identifying and verifying the discrete and concurrent significance of CAR, LDR, and NPL in shaping the ROA performance of State-Owned Commercial Banks (SOEsz0 listed on the IDX throughout the specified period.The research subjects were all BUMN commercial banks registered on the IDX between 2017 and 2024, while the study population consisted of their complete financial reports for the same years. The sample size was 32 financial statements obtained from eight years of observation, multiplied by BRI, BNI, BTN, and Bank Mandiri, through a purposive sampling approach. Multiple linear regression was employed as the principal data-processing method. The research outputs indicate that CAR, LDR, and NPL exert statistically meaningful influences, both partially and simultaneously, on ROA.
PENGARUH GAYA HIDUP DAN HARGA TERHADAP MINAT BELI PAKAIAN THRIFTING DI PASAR PAGI MINGGU KOTA BANJARMASIN Alma Puteri Hafsari; Nurul Wahyuni; Siti Rusidah; Novia Nour Halisa
Smart Business Journal (SBJ) Vol. 5 No. 2 (2025): Juli- Desember 2025
Publisher : Business Administration, FISIP ULM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20527/sbj.v5i2.71

Abstract

This study aims to examine the influence of lifestyle and price on the purchase intention of thrifting clothes, both partially and simultaneously. This research uses a quantitative explanatory method. The study was conducted at Pasar Pagi Minggu in Banjarmasin City, involving 100 respondents selected through accidental sampling. Data were collected using questionnaires and analyzed with multiple linear regression. The results show that lifestyle has a positive and significant partial effect on purchase intention, and price also has a positive and significant partial effect on purchase intention. Simultaneously, both lifestyle and price have a significant influence on the purchase intention of thrifting clothes at Pasar Pagi Minggu in Banjarmasin City.
Pengaruh Kemudahan Pengguna dan Manfaat Terhadap Kepuasan Pelanggan Mobile Banking BRI (BRImo) Pada Mahasiswa Universitas Lambung Mangkurat Banjarmasin arta dina; M Hasanur Arifin; Irwansyah; Siti Rusidah
Smart Business Journal (SBJ) Vol. 6 No. 1 (2026): Januari - Juni 2026
Publisher : Business Administration, FISIP ULM

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Abstract

This study aims to examine the effect of perceived ease of use and perceived usefulness, both partially and simultaneously, on customer satisfaction of the BRI mobile banking (BRImo) application among students of Universitas Lambung Mangkurat. The research employs a quantitative approach. The sample consists of 100 respondents selected using incidental sampling technique. Data were collected through questionnaires, and the analysis method used is multiple linear regression. The results show that perceived ease of use has a positive and significant partial effect on customer satisfaction. In addition, perceived usefulness also has a positive and significant partial effect on customer satisfaction. Simultaneously, perceived ease of use and perceived usefulness have a significant effect on customer satisfaction of the BRI mobile banking (BRImo) application among students of Universitas Lambung Mangkurat.
Pengaruh Debt to Equity Ratio (DER) dan Current Ratio (CR) Terhadap Return on Asset (ROA) pada Perusahaan Subsektor Logistik dan Pengiriman yang Terdaftar di Bursa Efek Indonesia Periode 2021-2024 Rahmawati; Siti Rusidah; Hairudinor; Novia Nour Halisa
Smart Business Journal (SBJ) Vol. 6 No. 1 (2026): Januari - Juni 2026
Publisher : Business Administration, FISIP ULM

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Abstract

The objective of this study is to examine the impact of the Debt-to-Equity Ratio (DER) and the Current Ratio (CR) on Return on Assets (ROA) for companies in the logistics and shipping subsectors listed on the Indonesia Stock Exchange during the 2021–2024 period. Multiple linear regression analysis is the quantitative tool of choice in this investigation. There are a total of 25 firms that make up the population, all of which are registered on the Indonesia Stock Exchange and are involved in logistics and shipping. Over a four-year observation period, nine firms met the criteria for the sample, which yielded thirty-six data units for the purposive sampling. From what we can see, ROA is somewhat affected by the Debt-to-Equity Ratio (DER), which has a negative but insignificant influence, and by the Current Ratio (CR), which has a positive but insignificant effect. In addition, for the years 2021–2024, the Return on Assets (ROA) of logistics and shipping subsector businesses listed on the Indonesia Stock Exchange is affected—albeit marginally—by the Debt-to-Equity Ratio (DER) and the Current Ratio (CR).
Pengaruh Desain Produk dan Gaya Hidup terhadap Keputusan Pembelian Tumbler Rosca di Kalangan Generasi Z Kota Banjarmasin Melsa Erliana; Irwansyah; Siti Rusidah; Novia Nour Halisa
Smart Business Journal (SBJ) Vol. 6 No. 1 (2026): Januari - Juni 2026
Publisher : Business Administration, FISIP ULM

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Abstract

Melsa Erliana, 2210412220041, 2026. The Influence of Product Design and Lifestyle on the Purchasing Decisions of Rosca Tumblers among Generation Z in Banjarmasin City, under the supervision of: Irwansyah. The increasing use of tumblers among Generation Z has made this product not only a drinking container but also part of daily needs and lifestyle trends. Attractive product design and consumer lifestyle are factors that can influence purchasing decisions for Rosca Tumblers among Generation Z in Banjarmasin City. This study aims to determine and examine the influence of product design and lifestyle on the purchasing decisions of Rosca Tumblers among Generation Z in Banjarmasin City. This research employed a quantitative approach. The sample consisted of 100 Generation Z respondents who had purchased and used Rosca Tumblers, selected using a purposive sampling technique. Data were collected through questionnaires and analyzed using multiple linear regression with the Statistical Package for the Social Sciences (SPSS) software. The results showed that product design and lifestyle had a positive and significant effect, both partially and simultaneously, on purchasing decisions of Rosca Tumblers among Generation Z in Banjarmasin City.