Claim Missing Document
Check
Articles

Found 16 Documents
Search

PENGARUH NET INTEREST MARGIN DAN NON PERFORMING LOAN TERHADAP RETURN ON ASSETS: Studi Kasus pada Perusahaan Perbankan yang Terdaftar di Bursa Efek Indonesia Periode 2012-2016 Budianto, Erwin; Romlah, Siti
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 8 No. 1: Desember 2018
Publisher : Program Studi Keuangan & Perbankan, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (347.776 KB) | DOI: 10.34010/jika.v8i1.1918

Abstract

This study to determine the effect and analyze of the Net Interest Margin and Non Performing Loan partial influence on Return on Assets banking companies in Indonesia Stock Exchange. The approach taken in this research is quantitative and associative approach. The population in this research are all banking go public companies listed in Indonesia Stock Exchange which amounted to 43 companies. The sample in this research is 7 companies. The independent variables used in this study are Net Interest Margin and Non Performing Loan and dependent variable is Return on Assets Data collection techniques using documentation. The method of analysis used is the normality test, the classical assumption test, simple linear regression test, hypothesis test and coefficient of determination. Data processing in this study using Software SPSS (Statistic Package for the Social Scien) 25 for window. The results show that partially, Net Interest Margin has an effect on Return on Assets. While Non Performing Loan has no effect on Return on Assets. Keywords : Net Interest Margin, Non Performing Loan, Return on Assets
PENGARUH KUALITAS PELAYANAN DAN CITRA PERUSAHAAN TERHADAP LOYALITAS NASABAH PADA AJB BUMIPUTERA Budianto, Erwin
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 8 No. 2: Juni 2019
Publisher : Program Studi Keuangan & Perbankan, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (509.157 KB) | DOI: 10.34010/jika.v8i2.1934

Abstract

Declining of the customer number still indicate a lack of customer loyalty to opt-in AJB's services. It based on an initial survey that the service quality provided to customers was not optimal as well as the reputation of the company decreased due to problems with the customer so it can not maintain the Company Image which was already built for so long. This study aimed to analyze the influence of service quality and corporate image on customer loyalty in AJB Bumiputera Branch Setiabudi Bandung. This research method using descriptive method of verification approach.The sampling methodology which is used in this research is consisting of the sample and population. The sampling technique which is used is simple random sampling consisted of 85 responders. The results of research FCount (151 339)> FTable (3.13) then H0 and H1 accepted, means that there is influence between service quality and corporate image on customer loyalty in AJB Bumiputera Branch Setiabudi Bandung. which means there is the existence of a direct relationship. Keywords: Service Quality, Corporate Image, Customer’s Loyalty. Kebutuhan akan jasa asuransi kini makin dirasakan. baik oleh perorangan maupun dunia usaha di Indonesia. Asuransi merupakan sarana finansial dalam tata kehidupan rumah tangga, baik dalam menghadapi resiko yang mendasar seperti resiko kematian, atau dalam menghadapi resiko atas harta benda yang dimiliki. Menurunnya jumlah nasabah mengindikasikan Masih minimnya loyalitas nasabah untuk mengunakan kembali jasa asuransi AJB Bumiputera. Hal ini berdasarkan survey awal bahwa belum optimalnya Kualitas Pelayanan yang diberikan kepada nasabah serta Reputasi dari perusahaan menurun karena adanya masalah dengan nasabah sehingga tidak bisa menjaga Citra Perusahaan yang sudah dibangun sekian lama.Penelitian ini bertujuan untuk menganalisis pengaruh kualitas pelayanan dan citra perusahaan terhadap loyalitas nasabah pada AJB Bumiputera Cabang Setiabudi Bandung. Fenomena yang terjadi adalah Metode penelitian ini menggunakan metode deskriptif dengan pendekatan verifikatif.Metode penarikan sampel yang digunakan terdiri dari populasi dan sampel. Teknik sampling yang digunakan adalah simple random sampling yang terdiri dari 85 orang responden.Metode verikatif yang digunakan adalah Importance Performance Analysis ( IPA ), Regresi Berganda, Koefisien Determiansi, Korelasi dan Uji Hipotesis untuk mengetahui pengaruh kualitas pelayanan dan citra perusahaan terhadap loyalitas nasabah pada AJB Bumiputera cabang Setiabudi Bandung baik secara parsial maupun simultan, dengan menggunakan alat bantu software yaitu SPSS for Windows 17 Hasil penelitian Fhitung (151.339) > Ftabel (3,11) maka H0 ditolak dan H1 diterima, Artinya terdapat pengaruh antara kualitas pelayanan dan citra perusahaan terhadap loyalitas nasabah pada AJB Bumiputera Cabang Setiabudi Bandung.Yang artinya adanya hubungan yang searah. Kata Kunci : Kualitas Pelayanan, Citra Perusahaan, Loyalitas Nasabah
Financial Distress Prediction Analysis at PT Garuda Indonesia Tbk for 2020-2023 Using the Grover, Taffler and Springate Methods Hasanah, Fayza Safira; Hasanah, Ananda Putri; Budianto, Erwin
International Journal of Business, Economics, and Social Development Vol 6, No 2 (2025)
Publisher : Research Collaboration Community (RCC)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46336/ijbesd.v6i2.891

Abstract

This study aims to evaluate the potential financial distress of PT Garuda Indonesia Tbk during the period 2020-2023 using three prediction models: Grover, Taffler, and Springate. Financial distress is an early sign of financial instability that can lead to bankruptcy, so it is important to analyze it to prevent greater risks. This study uses a quantitative descriptive method with secondary data from the company's financial statements. The results of the analysis show that although Garuda Indonesia's financial condition improved in 2021 and 2022, financial stress returned in 2023. The Grover model is more sensitive in identifying financial distress, while the Taffler method tends to be optimistic, and Springate shows more variable results. Based on these findings, companies need to implement more effective financial strategies to maintain their stability and reduce the risk of bankruptcy.
Factors Influencing Capital Structure in Property and Real Estate Sector Companies Listed on IDX 2021-2023 Lisnawati, Lisnawati; Permatasari, Fatimah; Budianto, Erwin
Al Tijarah Vol. 11 No. 1 (2025): Al Tijarah l June
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/at.v11i1.14243

Abstract

This study examines the influence of profitability, asset structure, and firm size on firms' capital structure in the property and real estate industry listed on the Indonesia Stock Exchange (IDX) from 2021 to 2023. The research utilizes a quantitative approach, integrating secondary data from corporate financial statements and the IDX website. The sampling strategy is a purposive sampling method, picking 16 companies from a total population of 93. Data analysis is performed using multiple regression analysis with SPSS version 25. The findings demonstrate that profitability and asset composition substantially negatively influence capital structure, implying that firms with more profitability and asset holdings are inclined to utilize less debt financing. Nonetheless, business size does not exhibit a substantial impact on capital structure. Nonetheless, when examined concurrently, profitability, asset structure, and firm size impact capital structure decisions.
Analysis Financial Distress of PT Sri Rejeki Isman Tbk: Altman Z-Score, Zmijewski, Zavgren Methods Parihah, Nurul; Nur'aeni, Neni; Budianto, Erwin
Ilomata International Journal of Tax and Accounting Vol. 6 No. 2 (2025): April 2025
Publisher : Yayasan Ilomata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijtc.v6i2.1760

Abstract

Globalization that triggers increasingly sharp business competition requires the Company to act more strategically in order to avoid financial distress and bankruptcy. The textile and garment industry has an important role in the Indonesian economy, but faces financial distress due to decreased export demand and weak purchasing power, as experienced by Sritex in PKPU, so this study aims to analyze financial distress at PT Sri Rejeki Isman Tbk for the 2019-2023 period, using the Altman Z Score, Zmijewski and zavgren methods. The type of data in this study is secondary data obtained from the Company's published financial statements. The research method uses descriptive analysis with saturated sample technique in the form of financial statements of PT Sri Rejeki Isman Tbk listed on the Indonesia Stock Exchange (IDX). The results of this study indicate that the three approaches analyzed produce significant differences, especially based on the findings of the Altman Z Score method, which shows that PT Sri Rejeki Isman Tbk is likely to experience bankruptcy between 2021 and 2023. The Zmijewski method shows that in 2019 and 2020, experiencing financial difficulties but in the last three years the company has been in a healthy condition. The calculation results using the Zavgren method show that the company's condition in 2019 is classified as healthy, experiencing finacial distress in 2020 - 2021 and the company is back in a healthy condition in 2022-2023.
THE RELATIONSHIP BETWEEN RETURN ON EQUITY, CURRENT RATIO, AND DEBT TO EQUITY RATIO ON STOCK PRICE WITH PRICE EARNING RATIO AS A MODERATING VARIABLE IN TELECOMMUNICATION SUB-SECTOR COMPANIES LISTED ON THE INDONESIA STOCK EXCHANGE IN 2020 – 2023 Rizky, Devano Alfa; Amelia, Dhea; Budianto, Erwin
Journal of Management Small and Medium Enterprises (SMEs) Vol 18 No 2 (2025): JOURNAL OF MANAGEMENT Small and Medium Enterprises (SME's)
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/jom.v18i2.21142

Abstract

While accounting for the price-earnings ratio, this study aims to isolate the effect of debt-to-equity, return-on-equity, and current ratios on stock prices. From 2020 to 2023, nine companies that were listed on the Indonesia Stock Exchange were selected for this study using a sample approach. The data was analyzed quantitatively using a variety of approaches in SPSS 23, including multiple linear regression and moderation regression analysis. Aside from the current ratio, the results show that no other variable significantly affects stock price. Furthermore, the ratio of debt to equity to stock price is moderated by the ratio of stock price to net income. Keywords: Return On Equity; Current Ratio; Debt to Equity Ratio; Price Earning Ratio
Factors Affecting the Ups and Downs of Profit in the Food and Beverage Sub-Sector for the 2021-2023 Period Dewi, Nurul Aulia; Rossalina, Zahra; Budianto, Erwin
IJEBD (International Journal of Entrepreneurship and Business Development) Vol 8 No 4 (2025): July 2025
Publisher : LPPM of NAROTAMA UNIVERSITY

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29138/ijebd.v8i4.3317

Abstract

Purpose: The purpose of this study is to ascertain how production and sales rates, and sales growth relate to changes in net profit between 2021 and 2023. Design/methodology/approach: This study used a quantitative descriptive strategy, with purposive sampling as a technique for selecting samples based on certain criteria, and the study population consisted of 18 organizations. Information was obtained from financial reports accessed on the website www.idx.co.id. Findings: According to this analysis, the factors of sales growth, production costs, and operating costs have a major impact on the amount of money businesses in the food and beverage subsector make between 2021 and 2023. Research limitations/implications: The scope of this study is limited to food and beverage subsector companies listed for 3 years on the IDX. In addition, the focus of activities are only factors that affect sales growth, production costs, and operating costs. Practical implications: Can make plans to improve profitability using the findings of the research analysis. Originality/value: This paper is original Paper type: Research paper
Factors Affecting Profitability in Telecommunication Sector Companies Listed on the Indonesia Stock Exchange for the Period 2016-2023 Rizka, Auliah; Aryaningsih, Nabilah Risna; Budianto, Erwin
Indonesian Journal of Advanced Research Vol. 4 No. 7 (2025): July 2025
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijar.v4i7.14945

Abstract

The sustainability and growth of a company are strongly determined by its ability to generate profits. One key metric used to evaluate profitability is Return on Assets (ROA). To remain competitive and resilient, companies must regularly monitor and analyze their financial performance, including identifying the factors that influence ROA. This study examines the relationship between ROA and several financial indicators, namely the current ratio (CR), debt-to-asset ratio (DAR), total asset turnover (TATO), and sales growth (SG). The research utilized regression analysis on a sample of five companies within the Indonesian telecommunications subsector that met specific criteria during the 2016–2023 period. The findings reveal that sales growth does not significantly impact ROA, whereas current ratio, debt-to-asset ratio, and total asset turnover have a significant effect. The model explains 75% of the variance in ROA, with the remaining 25% attributed to other unexamined variables. These results suggest that asset efficiency, liquidity, and solvency are critical factors influencing the profitability of telecommunications companies, while sales growth alone does not directly enhance the ability to generate net profit from assets.
Factors Influencing Stock Prices in Coal Sub-Sector Companies Listed on the IDX for the 2019-2023 Period Anisa, Siti; Nur’atin, Atin; Budianto, Erwin
International Journal of Social Service and Research Vol. 5 No. 8 (2025): International Journal of Social Service and Research
Publisher : Ridwan Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46799/ijssr.v5i8.1282

Abstract

This study examines the factors influencing stock prices of coal sub-sector companies listed on the Indonesia Stock Exchange (IDX) from 2019 to 2023, focusing on three key financial ratios: Current Ratio (CR), Debt to Equity Ratio (DER), and Return on Assets (ROA). The research employs quantitative methods to analyze the relationship between these financial ratios and stock prices. The results indicate that while CR and DER do not have a significant impact on stock prices, ROA shows a positive and significant relationship with stock prices. This suggests that better asset management and profitability, as reflected in ROA, enhance investor confidence, thereby driving stock prices higher. The findings contribute to the understanding of how financial ratios influence the stock performance of coal companies in Indonesia, offering valuable insights for investors making informed investment decisions. The implications of this research highlight the importance of focusing on profitability and asset management when evaluating the financial health of companies in the coal sector, particularly for investors looking to make strategic investment choices based on financial metrics.
Analysis Of Determinants Of Firm Value In Property And Real Estate Companies Listed On The Bei In 2019-2022 Sari, Habibah Nurmala; Khaeruni, Ratnawati; Budianto, Erwin
Jurnal Ekonomi Teknologi dan Bisnis (JETBIS) Vol. 3 No. 3 (2024): JETBIS : Journal Of Economics, Technology and Business
Publisher : Al-Makki Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57185/jetbis.v3i3.93

Abstract

This study aims to analyze and determine the effect of profitability as measured by return on assets, solvency as measured by debt to equity ratio to company value measured by price book value. This research uses quantitative methods with secondary data sources in the form of the company's annual financial statements. The population of this study is property and real estate companies listed on the Indonesia Stock Exchange (IDX) for the 2019-2022 period. The sampling technique used purposive sampling, and a sample of 37 companies was obtained. The data analysis technique uses multiple linear regression with the SPSS 25 program. The results showed that the return on assets and debt-to-equity ratio had no effect on the value of the company.