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Impact of Liquidity, Ownership, Global Financial Crisis, and Capital Adequacy Ratio on Indonesian Banking Profitability Period 2007-2016 Winoto, Agustinus; Bustaman, Yosman
Journal the Winners: Economics, Business, Management, and Information System Journal Vol 21, No 1 (2020): The Winners (In Press)
Publisher : Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/tw.v21i1.6012

Abstract

The purpose of the research was to analyse the effect of liquidity, ownership, and global financial crisis on Indonesian Banking profitability. The research focused on conventional bank exclude sharia-bank and rural bank/BPR, owned by foreign-party, local-party or mixed-party, period 2007 to 2016. Data were retrieved from Indonesia Bank regulator which is Otoritas Jasa Keuangan’s website. For liquidity, liquidity ratio, loan to funding ratio, and cash ratio were used. Meanwhile ownership and global financial crisis used dummy variable. The research divided bank to foreign and mixed party, and local bank in the years of crisis that were 2008 and 2009. Ordinary Least Square method were used with Net Interest Margin as dependent variable, a control variable, and capital adequacy ratio. The result finds that there is no significant connection between liquidity and ownership on profitability, while crisis has significant connection on profitability. 
FACTORS AFFECTING FINANCIAL PERFORMANCE COMPANY: STUDY FOR BISNIS27 LISTED COMPANY AT INDONESIA STOCK EXCHANGE Vita Marina, Diana; Winoto, Agustinus
Journal of Applied Finance and Accounting Vol. 11 No. 1 (2024): Publish on June 2024
Publisher : Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/jafa.v11i1.11590

Abstract

The research objective is to measure whether company size, industry sensitivity, government ownership, liquidity and company age affect the financial performance of company that listed in Index BISNIS-27 between year 2021-2023. Data that use is secondary data and purposive sampling method. Data collected from list of company Index BISNIS-27 that listed on Indonesia Stock Exchange and consistently listed between 2021-2023. Index BISNIS-27 is an index that evaluated by the price performance from 27 shares that determined by the Indonesian Business Index Committee (idx.co.id). The data collected were processed using SmartPLS 4. From the analysis results liquidity (current ratio) has p values 0.044 (less than 0.05) and company size has p values 0.025 (less than 0.05). Meanwhile, the industry sensitivity has p values 0.158 (more than 0.05), government ownership has p values 0.392 (more than 0.05), and company age has p values 0.145 (more than 0.05). The research concludes that liquidity (current ratio), and company size positively and significantly affect on a company financial performance. Meanwhile, the industry sensitivity, government ownership, and company age positively and insignificantly affect on a company financial performance.
Pelatihan Budgeting sebagai Strategi Penguatan Kapasitas Finansial bagi Pekerja Migran Indonesia di Singapura Winoto, Agustinus
Jurnal Abdi Masyarakat Nusantara Vol. 3 No. 2 (2025): Jurnal Abdi Masyarakat Nusantara (JURDIASRA), Juli - Desember 2025
Publisher : Ikatan Cendekiawan Muda Akuntansi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61754/jurdiasra.v3i2.165

Abstract

Indonesia, being one of the most populous nations globally, has dispatched a considerable amount of its workforce overseas, commonly referred to as Indonesian Migrant Workers (PMI). These workers significantly contribute to the Indonesian economy by the consistent remittances they transmit to their relatives domestically. Nonetheless, numerous migrant workers continue to possess an inadequate comprehension of effective financial administration, encompassing financial planning during their residence in Singapore and the attainment of long-term objectives in Indonesia. This community engagement program aims to enhance the financial literacy of migrant workers. The implementation technique involves direct lectures in Singapore addressing various critical issues, including fundamental budgeting ideas and the simulation of monthly spending while residing in Singapore. The results of this exercise demonstrate that an increasing percentage of Indonesian migrant workers have attained a superior comprehension of financial management. They may now build comprehensive budgets for their living expenses and remittances to Indonesia in a more organized fashion. Moreover, they have acquired the assurance to contemplate long-term goals through the financial resources at their disposal. Consequently, this financial literacy lecture program is considered essential for extension and implementation in other countries with a presence of Indonesian migrant workers.