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ANALISIS PERBANDINGAN SEBELUM DAN SESUDAH PANDEMI COVID–19 TERHADAP KINERJA KEUANGAN PERBANKAN: (Studi Empiris pada PT Bank Negara Indonesia Persero Tbk) Rizky Apriluviar; Cecep Hermana
Economicus : Jurnal Ekonomi dan Manajemen Vol. 14 No. 2 (2024): Juni : Economicus : Jurnal Ekonomi dan Manajemen
Publisher : Institut Teknologi dan Bisnis Dewantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47860/economicus.v14i2.7

Abstract

This research aims to analyze the comparison before and after the Covid-19 pandemic on banking financial performance, particularly at PT Bank Negara Indonesia Persero Tbk, to evaluate RGEC (Risk Profile, Governance, Earnings, and Capital) as assessment indicators. This research uses a quantitative analysis method on PT Bank Negara Indonesia Persero Tbk's financial reports, with data sourced from the 2019-2023 Annual Report of PT Bank Negara Indonesia Persero Tbk. The research results show that before and after the Covid-19 pandemic, in the Risk Profile analysis, the NPL in 2020 was 4.3%, categorized as Healthy credit. The LDR in 2019 was 91.5%, categorized as Fairly Healthy credit. In the Governance analysis, KI in 2023 was criticized as a Very Low credit with a rate of 2.68%. Meanwhile, the PDKI in 2019, 2021, and 2022 maintained the same value of 1.75%. In the Earnings analysis, the NIM consistently obtained a value of 4, indicating that the company's income condition faces quite a significant problem. The BOPO reached its highest value in 2020 at 93.3%, indicating that income is not yet efficient. In the Capital analysis, the CAR in 2020 experienced a very low value compared to other years, with a rate of 15.7%.
Pengaruh Electronic Word of Mouth dan Endorsement terhadap Keputusan Pembelian di Tiktok Shop Pada Mahasiswa Universitas Singaperbangsa Karawang Fitria Muliyani; Cecep Hermana
Jurnal Ekonomi Manajemen Sistem Informasi Vol. 7 No. 4 (2026): Jurnal Ekonomi Manajemen Sistem Informasi (Maret - April 2026)
Publisher : Dinasti Review

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jemsi.v7i4.7811

Abstract

One of the best features of the Tiktok app is TikTok Shop, a social e-commerce platform that allows users to sell and promote goods while they shop. Of course, electronic word-of-mouth and enticement a tactic used to boost a product or brand's sales cannot be divorced from e-commerce. This study used quantitative methods with multiple linear regression research techniques to investigate whether electronic word-of-mouth and Endorsement influences TikTok Shop purchasing decisions. The sample data used in the study consisted of 100 respondents who were Singaperbangsa University Karawang students. Methods for gathering data through the distribution of surveys made with Google Forms. The study's findings demonstrated that, at a large influence value of 34.3%, Electronic Word of Mouth and Endorsement simultaneously had a positive impact on consumers' decisions to make purchases on TikTok Shop.