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Pengaruh Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), Beban Operasional Dan Pendapatan Operasional (BOPO), Loan to Deposit Ratio (LDR) Terhadap Non Performing Loan (NPL) Pada Bank Pembangunan Daerah di Indonesia Periode 2019 – 2023 Herlina, Herlina; Damayanti, Fera; Ikhsan, Syarbini
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 7 No 2 (2024): Artikel Periode Research Juli 2024
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v7i2.1623

Abstract

Penelitian ini dilakukan untuk menguji dan menganalisis pengaruh variabel independen berupa Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), Beban Operasional Dan Pendapatan Operasional (BOPO), Loan to Deposit Ratio (LDR) terhadap variabel dependen yaitu Non Performing Loan. Populasi penelitian ini berjumlah 27 Bank Pembangunan Daerah di Indonesia tahun 2019-2023. Penentuan sampel menggunakan metode purposive sampling sehingga memperoleh sampel sebanyak 27 BPD atau 71 data sampel penelitian. Penelitian ini merupakan penelitian dengan pendekatan kuantitatif. Metode penelitian yang digunakan adalah metode analisis deskriptif kuantitatif dengan teknik analisis data yaitu analisis regresi linier berganda. Hasil penelitian menunjukkan bahwa variabel Capital Adequacy Ratio berpengaruh negatif terhadap Non Performing Loan, Net Interest Margin berpengaruh positif terhadap Non Performing Loan, Beban Operasional Dan Pendapatan Operasional berpengaruh positif terhadap Non Performing Loan dan Loan to Deposit Ratio tidak berpengaruh terhadap Non Performing Loan.
PENGARUH PROFITABILITAS, SOLVABILITAS, UKURAN KAP, FEE AUDIT, DAN AGRESIVITAS PENGHINDARAN PAJAK TERHADAP AUDIT REPORT LAG Lestari, Cindy Putri Intan; Damayanti, Fera; Noviarty, Helisa
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 7 No 2 (2024): Artikel Periode Research Juli 2024
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v7i2.1687

Abstract

Penelitian ini bertujuan untuk melakuksan uji dan analisis empiris terhadap pengaruh profitabilitas, solvabilitas, ukuran KAP, fee audit dan agresivitas penghindaran pajak terhadap audit report lag. Penelitian ini dilakukan pada perusahaan sektor energi yang terdaftar di Bursa Efek Indonesia periode 2020-2022. Sumber data yang digunakan adalah laporan keuangan perusahan sektor energi di BEI. Metode pengambilan sampel menggunakan purposive sampling dengan kriteria tertentu, dari 74 populasi diambil 18 perusahaan yang menghasilkan 54 jumlah pengamatan. Analisis dalam uji ini menggunakan analisis regresi berganda. Hasil penelitian ini menunjukkan (1) Profitabilitas tidak berpengaruh terhadap audit report lag, (2) Solvabilitas berpengaruh positif terhadap audit report lag, (3) Ukuran KAP berpengaruh negatif terhadap audit report lag, (4) Fee Audit tidak berpengaruh terhadap audit report lag, dan (5) Agresivitas Penghindaran Pajak berpengaruh positif terhadap Audit Report Lag
Implementasi Metode Forward Chaining pada Aplikasi Cyber Counseling Harahap, Febri Alfiani Putri; Damayanti, Fera; Lubis, Yessi Fitri Annisah; Khairunnisa, Khairunnisa; Syahputri, Nenna Irsa; Sundari, Siti
JiTEKH Vol. 12 No. 1 (2024): March 2024
Publisher : Universitas Harapan Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35447/jitekh.v12i1.848

Abstract

SMP Negeri 36 Medan has students with various backgrounds. Guidance and counseling is a support service provided by schools to students who have problems that can be resolved. The results of observations and interviews that have been conducted on counseling guidance teachers of SMP Negeri 36 Medan stated that they still find it difficult to deal with the problems faced by students. The method used in this study is the forward chaining method. The implementation of the forward chaining method in cyber counseling applications in overcoming problems that occur in students, aims to assist counseling guidance teachers and students in dealing with problems. The results of this study show that by using the forward chaining method in the cyber counseling application, the system can look for problems faced by counseling guidance teachers with students and the system can work according to the rules that have been set previously. Four counseling teachers conducted the system testing, which showed that 90% of the counseling teachers felt very helpful in knowing the problems of students through the cyber counseling application. In addition, testing also involved thirty students of SMP Negeri 36 Medan, where 95% of them were greatly helped by the cyber counseling application
Does education and skills affect productivity? (study on Pontianak Pelindo) Damayanti, Fera; Bintoro Bagus Purmono; Fahmi, Fitri Fadilah; Qisthi Ardhi
Jurnal Ekonomi Vol. 13 No. 01 (2024): Jurnal Ekonomi, Edition January - March 2024
Publisher : SEAN Institute

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

Abstract

This study aims to determine the effect of education and skills on employee work productivity. The data was obtained in the form of primary data and secondary data. Questionnaires were distributed to one of the state-owned companies in Pontianak, namely PT Pelabuhan Indonesia (Persero) Regional 2 Pontianak. The number of samples used in the study was 51 respondents. Data collection techniques were used by distributing questionnaires and processed using SPSS 25 Statistics. This study uses a quantitative descriptive method and uses multiple linear regression analysis. This research also uses data quality tests, classical assumption tests, and hypothesis tests in the form of t-test, F test, and coefficient of determination (R2). The results show that education does not affect employee work productivity. While skills affect employee work productivity
Juridical Review the Role of the Notary Honor Council in Providing Sanctions against Notary That Violates the Code of Ethics of Notary Position Damayanti, Fera
Jurnal Konstatering Vol 1, No 2 (2022): April 2022
Publisher : Master of Notarial Law, Faculty of Law, Sultan Agung Islamic University

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Abstract

This research will be examined in this study are: What is the mechanism for imposing sanctions on notaries who violate the notary's code of ethics and the efforts that can be made by a notary who is imposed with a sanction for violating the notary's code of ethics to file an objection. The approach method used is a normative juridical approach and the specifications used in this study are analytical descriptive research. Based on the results of the study it can be concluded that for Notaries who violate the code of ethics, the Ethics Council can impose sanctions on the violators, sanctions imposed on members of the Indonesian Notary Association who violate the code of ethics can be in the form of: Reprimand, Warning, Temporary Dismissal from Association Membership, Dismissal With Respect from Association Members, and Disrespectful Dismissal from Association Members. However, the dismissal sanction given to a Notary who violates the code of ethics is not in the form of dismissal from the notary position but dismissal from membership of the Indonesian Notary Association. So that the sanction seems to have less binding power for Notaries who violate the code of ethics. Notaries who have been sanctioned for violating the code of ethics can defend themselves and can appeal in stages against the decisions of the Regional Ethics Council to the Regional Ethics Council and the Central Ethics Council as a final level examination.Keywords: Notary, Code of Ethics, Sanctions
Classification of Customer Credit Risk Levels Using the Random Forest Method: A Case Study on Microfinance Institutions Damayanti, Fera; Budiman, Arief; Sundari, Siti; Nainggolan, Theodora MV
Journal of Computer Science, Artificial Intelligence and Communications Vol 2 No 2 (2025): November 2025
Publisher : Raskha Media Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64803/jocsaic.v2i2.59

Abstract

Credit risk classification plays a crucial role in supporting financial institutions, especially microfinance institutions, in assessing the ability of customers to repay loans. This study aims to develop a credit risk classification model using the Random Forest method, which is known for its accuracy and robustness in handling classification problems. The research uses a dataset obtained from a microfinance institution consisting of various customer attributes such as income, age, loan amount, repayment history, and employment status. The dataset is preprocessed and divided into training and testing sets to evaluate model performance. The Random Forest algorithm is then applied to build a classification model that categorizes customers into three credit risk levels: low, medium, and high. The results show that the Random Forest model achieves a high level of accuracy, with a classification precision of 89%, recall of 87%, and F1-score of 88%. These findings indicate that Random Forest is an effective technique for credit risk classification and can be implemented by microfinance institutions to support better decision-making in credit approval processes. This research also highlights the potential of machine learning techniques in enhancing credit risk management and minimizing non-performing loans.