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All Journal Dimas: Jurnal Pemikiran Agama untuk Pemberdayaan Journal Of Business, Finance, and Economics (JBFE) Jurnal Studi Islam dan Sosial
Widati, Sari
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Religion Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Implications of Capital Adequancy Ratio (CAR), Loan To Deposit Ratio (LDR), and Financial Performance Made, Wedaswari; Purwanto, Purwanto; Widati, Sari; Widyaningrum, Eka Nur Haini
Journal Of Business, Finance, and Economics (JBFE) Vol 5 No 2 (2024): Journal Of Business, Finance, and Economics (JBFE)
Publisher : Universitas Veteran Bangun Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32585/jbfe.v5i2.5719

Abstract

The aim of this research is to determine the effect of capital adequacy ratio and loan to deposit ratio on financial performance with credit risk as a moderating variable and it is hoped that the results of this research can be used as a reference source for potential investors before investing their capital in banking companies, especially conventional banks by analyzing how banking financial performance and health. In this research the data used is secondary data. The research method uses a multiple analysis method using the IBM SPSS Statistics version 22.0 and Microsoft Excel 2010 programs. The data collection technique uses a purposive sampling technique with a population of 46 conventional banks becoming 36 research samples. This research uses the unit of measurement of percent (%) obtained from the company's annual report. Before multiple linear analysis is carried out, it is tested first with the classic assumption test which is useful for ensuring whether the regression model used does not have problems with normality, muticolinearity, heteroscedasticity and autocorrelation tests. If it is fulfilled then the multiple regression model is suitable to be used. The research results show that the capital adequacy ratio and loan to deposit ratio have a significant positive effect on financial performance. Moderation regression analysis, credit risk as proxied by non-performing loans is not able to moderate the relationship between capital adequancy ratio and loan to deposit ratio on financial performance.
Faktor-Faktor Yang Mempengaruhi Persistensi Laba Pada Perusahaan Sektor Keuangan Yang Terdaftar Di Bursa Efek Indonesia Tahun 2019-2022 Widati, Sari; Wedaswari, Made; Sholati, Frimicia Intan
Lisyabab : Jurnal Studi Islam dan Sosial Vol 6 No 1 (2025): Lisyabab, Jurnal Studi Islam dan Sosial
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat (LPPM) Sekolah Tinggi Agama Islam Mulia Astuti (STAIMAS) Wonogiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58326/jurnallisyabab.v6i1.340

Abstract

This research aims to determine the effect of operating cash flow, debt levels, company size, and book tax differences on profit persistence. The data in this research were obtained from the annual financial reports of financial sector companies in the banking subsector listed on the Indonesia Stock Exchange for the 2019-2022 period. The sample selection method used in this research is the purposive sampling method. The analysis techniques used in this research include descriptive statistical tests, classical assumption tests, and hypothesis tests. The total sample used in this research was 31 companies. The research results show that debt levels have a negative and significant effect on earnings persistence. Book tax differences have a positive effect on earnings persistence. Meanwhile, operating cash flow and company size have no effect on profit persistence.
Local Specialty Product Innovation of Tilapia Fish Nugget “Spirunila” through the Empowerment of Karangtaruna Pemuda Mudi Gabahan (PMG) and Persons with Disabilities in Mulur Village Setyarini, Agung; Widati, Sari; Bumi, Salsabila Amalia Putri; Wicaksana, Fandi Galang; Ramadhan, Sangga Rizki; Safitri, Annisa Nur
Dimas: Jurnal Pemikiran Agama untuk Pemberdayaan Vol. 25 No. 2 (2025)
Publisher : LP2M of Institute for Research and Community Services - UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/dms.v25i2.29032

Abstract

This community service program responds to the underutilization of tilapia production in Mulur Village, Sukoharjo, where limited product diversification constrains economic growth. The program introduced Spirunila, a fortified tilapia-based product, while empowering the PMG Youth Organization and persons with disabilities through an Inclusive Joint Business Group (KUBA). The Participatory Learning System (PALS) was implemented to deliver capacity-building activities in production technology, entrepreneurship, and digital marketing. Program effectiveness was evaluated using pre- and post-test questionnaires on seven indicators, which were analyzed using a Paired Sample t-Test, N-Gain Score, and Cohen’s d. The results showed statistically significant improvements (p < 0.001), high learning gains (N-Gain category: High), and substantial effect sizes (d > 1.97), demonstrating strong behavioral and capability transformation among partners. Institutional strengthening ensures sustainability through shared production governance and digital market expansion. The findings confirm that inclusive innovation in community-based fish processing can enhance rural economic diversification and reinforce village tourism competitiveness.
Co-Authors Agung Setyarini Bumi, Salsabila Amalia Putri Made, Wedaswari Purwanto Purwanto Ramadhan, Sangga Rizki Safitri, Annisa Nur Sholati, Frimicia Intan wedaswari, Made Wicaksana, Fandi Galang Widyaningrum, Eka Nur Haini