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THE INFLUENCE OF THIRD-PARTY FUNDS, NON-PERFORMING LOANS (NPL) ON CREDIT DISTRIBUTION WITH PROFITABILITY AS INTERVENING VARIABLE IN COMMERCIAL BANKS Hermuningsih, Sri; Sari, Pristin Prima; Rahmawati, Anisya Dewi
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 4, No 02 (2020): IJEBAR, VOL. 04 ISSUE 02, JUNE 2020
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v4i02.988

Banks are financial institutions that collect and distribute funds in the forms of deposits such as savings, deposits, current accounts, etc. from and for people who need funds for various needs, such as for consumption, working capital or business capital, housing and investment. In addition, banks must help the community to improve their living standards by distributing funds or giving credit to people who need funds. This is in accordance with the function of the bank itself, namely the bank as the distributor of funds. The purpose of this research is to examine and obtain evidence about factors that influence loan distribution at a bank. Internal factors that influence loan distribution are Third Party Funds, Non-Performing Loans, and Profitability. Efforts to increase credit at banks require optimal efforts to raise third-party funds, good credit management, and capital strengthening. This type of research is quantitative research with purposive sampling technique. The population used in this study is commercial banks from 2013 to 2017. The data come from commercial bank financial statements. As the benefit of this research the government can use it as a mapping material for distributing loan to commercial banks; the bank management can take it into consideration in making commercial bank lending policies. The results of the research show that profitability can mediate the relationship between third party funds and non-performing loans on loan distribution. Third party funds have a significant positive effect on loan distribution. Non-Performing Loans have a significant negative effect on loan distribution. Keywords: LOAN DISTRIBUTION, THIRD PARTY FUNDS, NON-PERFORMING LOANS, AND PROFITABILITY

E-KOMIK VIDEO MANAJEMEN INVESTASI PORTOFOLIO BAGI IBU GURU TK DUKUH 02 Prima Sari, Pristin; Hermuningsih, Sri; Eko Susetyo, Agustinus; Rahmawati, Anisya Dewi; Choirul Latifah, Riska
JURNAL PENGABDIAN MANDIRI Vol. 3 No. 5: Mei 2024
Publisher : Bajang Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53625/jpm.v3i5.7740

Tujuan Kegiatan pengabdian adalah meningkatkan kapasitas Ibu Guru TK Dukuh 02 terkait manajemen investasi portofolio dan Ibu Guru TK Dukuh 02 dapat mengimplentasikan manajemen investasi portofolio dan rencana investasi portofolio masa depan. Peserta kegiatan pelatihan adalah Ibu Guru TK Dukuh 02 Mojolaban. Metode pengabdian adalah presentasi narasumber melalui gmeet terkait manajemen investasi portofolio, Pengiriman E-Komik video manajemen investasi portofolio kepada mitra Ibu Guru TK Dukuh 02 melalui group whatsaap. Media Kegiatan Pengabdian adalah Whatsaap Group, Youtube, Canva, Ms.Powerpoint. Hasil Kegiatan adalah terjadi peningkatan pemahaman manajemen investasi portofolio dan terbentuk e-komik kegiatan sebanyak 3 buah dari Ibu Guru TK Dukuh 02. Manfaat kegiatan adalah untuk pengenalan dan pengadaan E-Komik dan Video manajemen portofolio untuk mempermudah pemahaman dan implementasi serta ketertarikan bagi mitra Ibu Guru TK Dukuh 02.

Comparison Study Influence The Third-Party Fund On Profitability With Bank Size As The Moderating Variable In Indonesia And Malaysia Hermuningsih, Sri; Rahmawati, Anisya Dewi; Nasrulloh, Rifqi Syarif
Jurnal Manajemen Industri dan Logistik Vol 6, No 2 (2022): page 177- 308
Publisher : Politeknik APP Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30988/jmil.v6i2.1026

The objective of this research is to compare the correlation between third-party funds and profitability using bank size as a moderating variable of Islamic banking in Malaysia and Indonesia. The sample in this study used purposive sampling and obtained a sample of 10 Islamic banks in Malaysia, 10 Islamic banks Indonesia in 2016-2020. The data used is secondary data in the form of the annual reports or financial reports through the official website of each Islamic bank. To examine research data in the form of financial statements, this quantitative study used regression and moderate regression analysis. The results of the first analysis show that third-party funds from Indonesia and Malaysia Islamic banks show a significant effect on profitability (ROA), while the results of the second analysis show that third-party funds moderating the profitability of Indonesia and Malaysia Islamic banks.

Comparison Study Influence The Third-Party Fund On Profitability With Bank Size As The Moderating Variable In Indonesia And Malaysia Hermuningsih, Sri; Rahmawati, Anisya Dewi; Nasrulloh, Rifqi Syarif
Jurnal Manajemen Industri dan Logistik Vol. 6 No. 2 (2022): page 177- 308
Publisher : Politeknik APP Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30988/jmil.v6i2.1026

The objective of this research is to compare the correlation between third-party funds and profitability using bank size as a moderating variable of Islamic banking in Malaysia and Indonesia. The sample in this study used purposive sampling and obtained a sample of 10 Islamic banks in Malaysia, 10 Islamic banks Indonesia in 2016-2020. The data used is secondary data in the form of the annual reports or financial reports through the official website of each Islamic bank. To examine research data in the form of financial statements, this quantitative study used regression and moderate regression analysis. The results of the first analysis show that third-party funds from Indonesia and Malaysia Islamic banks show a significant effect on profitability (ROA), while the results of the second analysis show that third-party funds moderating the profitability of Indonesia and Malaysia Islamic banks.

Determinant of Financial Flexibility: Internal Funding, External Funding, and Moderating of Investment Firms Listed in Indonesia Stock Exchange Sari, Pristin Prima; Hermuningsih, Sri; Hidayat, Riskin; Rahmawati, Anisya Dewi
INTERNATIONAL JOURNAL OF ECONOMICS AND MANAGEMENT REVIEW Vol 2 No 3 (2024): Current Issue 6
Publisher : SMARTINDO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58765/ijemr.v2i3.203

Purpose- The research aims to find empirical evidence of the influence of internal and external funding on financial flexibility with firms' investment moderation on the Indonesian Stock Exchange. Design/methodology/approach - The Research Method uses quantitative methods using multiple regression analysis. The sample used was the food and beverage sector on the Indonesian Stock Exchange. Data uses annual financial reports 2019-2023. Originality - This research uses the flexibility variable as the dependent variable, whereas in most previous research, flexibility was used as the independent variable. Findings and Discussion - The research results show that internal and external funding have no significant effect on financial flexibility but investment has a significant effect on financial flexibility. Investment can moderate internal funding and external funding on financial flexibility. Conclusion - Investment can moderate internal funds and external funds to financial flexibility. Suggestion for future research to use other variable that impact on financial flexibility. This Research has recommended that firm management consider fund sources to gain financial flexibility. The Higher the financial flexibility the higher fulfill firm expenditure. The benefit of research is for managerial decision-making related to internal and external funding sources which have an impact on financial flexibility with investment moderation.

INTEGRATING BANK SIZE, LIQUIDITY, AND FINANCIAL PERFORMANCE INTO MODERATING FINANCIAL TECHNOLOGY: A CASE STUDY OF SHARIA COMMERCIAL BANKS IN INDONESIA Hermuningsih, Sri; Rahmawati, Anisya Dewi
Jurnal Aplikasi Manajemen Vol. 20 No. 4 (2022)
Publisher : Universitas Brawijaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.jam.2022.020.04.15

A company evaluates each profit-generating success to understand the organization's growth, prospects, and potential developments. If a business meets the established goals and standards, it can be said to succeed. This study examines and demonstrates how bank size and liquidity affect financial performance in Indonesia's Islamic Commercial Banks using Financial Technology (Fintech). This moderating factor connects the Financial Services Authority from 2016 to 2021, which constitutes the study's population. The sample was drawn from Islamic Commercial Banks using Fintech between 2016 and 2021. The sampling procedure used purposeful sampling with the requirements of Islamic Commercial Banks that incorporated Fintech to obtain data from 12 Islamic Commercial Banks with 76 financial statement data. SmartPLS software (PLS-SEM method) is used for the analysis process. The findings of this study show that bank size and liquidity positively affect financial performance. Applying Fintech by Indonesia's Islamic Commercial Banks improves their impact on earnings management. Due to the size of the bank and more liquidity, such financial performance will consequently enhance the chances of adopting Fintech. This empirical data shows that Indonesia's Islamic Commercial Banks' adoption of Fintech is unprecedented.

Request Strategies of Emma Woodhouse in “Emma” By Autumn De Wilde Nurhaliza, Ananda; Rahmawati, Anisya Dewi; Rosalinah, Yanti
Jurnal Pendidikan Tambusai Vol. 8 No. 3 (2024)
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar

Studi ini menerapkan teori Trosborg (1995) pada strategi permintaan Emma Woodhouse dalam film Emma (2020), yang disutradarai oleh Autumn de Wilde. Penggunaan permintaan oleh Emma menunjukkan status sosial, kepercayaan diri, dan hubungannya, serta aturan hierarkis Regency England. Penelitian ini bertujuan untuk menjawab tiga pertanyaan kunci: Jenis strategi permintaan apa yang digunakan Emma Woodhouse dalam film tersebut; Bagaimana strategi ini mencerminkan status sosial dan hubungannya dengan karakter lain; Apa fungsi strategi permintaan Emma dalam film tersebut. Analisis deskriptif kualitatif studi ini mengungkapkan bahwa strategi langsung paling sering digunakan, terutama dengan karakter berstatus sosial rendah, seperti Harriet atau pembantunya. Pendekatan ini sejalan dengan rasa kekuasaan Emma dan posisi istimewanya dalam masyarakat. Sebaliknya, Emma menggunakan strategi tidak langsung dan sopan dengan individu dengan kedudukan sosial yang sama atau lebih tinggi, seperti Tuan Elton atau Frank Churchill, yang menunjukkan pemahaman tentang kesopanan sosial dan menjaga muka. Analisis ini menunjukkan bagaimana strategi permintaan Emma mencerminkan perkembangan pribadinya, yang menunjukkan perubahan dari ketegasan menjadi empati saat ia menegosiasikan harapan masyarakat. Studi ini menekankan hubungan antara bahasa, dinamika sosial, dan pengembangan karakter, yang menjelaskan bagaimana metode permintaan berfungsi sebagai alat pengaruh dan penanda hubungan dalam latar sejarah.

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