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Analisis Fundamental Saham PT Bank Central Asia Tbk (BBCA) sebagai Dasar Pengambilan Keputusan Investasi Periode 2020-2023 Arlinda Syakila Ananda; Nadya Syahla; Thia Nurafifah Ramadani; Yoyo Sudaryo; Eko Djoko Prabowo
MUTIARA: Jurnal Ilmiah Multidisiplin Indonesia Vol. 4 No. 4 (2026): JIMI - OKTOBER
Publisher : PT. PENERBIT TIGA MUTIARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61404/mutiara.v4i4.556

Abstract

Changes in economic and market conditions during 2020–2023 increased investors’ need for fundamental information to assess stock performance and prospects. PT Bank Central Asia Tbk (BBCA) experienced changes in profit, assets, equity, stock price, and financial ratios from the pandemic period through economic recovery. This study aims to analyze BBCA’s fundamentals based on ROA, ROE, EPS, PER, and DER as information supporting investment decisions. The study employed a descriptive quantitative approach using secondary data consisting of financial statements and stock prices for 2020–2023. The results show that ROA increased from 2.52% to 3.45%, ROE from 13.82% to 17.30%, and EPS from IDR 1,100 to IDR 1,971. The stock price increased from IDR 33,425 to IDR 42,250, while PER decreased from 30.38 times to 21.44 times and DER from 4.48 times to 4.01 times after increasing in 2021. These findings indicate strengthened profitability and earnings per share, along with changes in the relationship between market price and fundamental performance. The novelty of this study lies in the integrated mapping of five fundamental indicators during the transition from the pandemic to economic recovery.
Pengaruh Motivasi dan Lingkungan Kerja terhadap Kinerja Karyawan UMKM di Konveksi Alive Sportwear, Sumedang Nadya Syahla; Arlinda Syakila Ananda; Thia Nurafifah Ramadani; Erna Herlinawati; Gurawan Dayona Ismail
MUTIARA: Jurnal Ilmiah Multidisiplin Indonesia Vol. 4 No. 4 (2026): JIMI - OKTOBER
Publisher : PT. PENERBIT TIGA MUTIARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61404/mutiara.v4i4.570

Abstract

Employee performance is key to MSME sustainability, affecting target achievement, work quality, and customer satisfaction. Garment production requires accuracy, coordination, comfort, and consistency. Alive Sportwear Garment in Sumedang, a growing MSME, faces challenges in optimizing motivation and the work environment. This study analyzes work motivation and the work environment on employee performance, partially and simultaneously. A quantitative approach was employed, involving 30 employees selected through saturated sampling. Data were collected through questionnaires, observation, and documentation, then analyzed using multiple linear regression, t-test, F-test, and coefficient of determination. The results show that motivation has a positive but insignificant effect on performance, with a coefficient of 0.048 and significance of 0.856, while the work environment has a positive and significant effect, with a coefficient of 0.328 and significance of 0.034. Simultaneously, variables significantly affect performance, with F-value 6.971, significance 0.004, and R² 34.1%. The work environment should be prioritized to improve performance.