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All Journal Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Jurnal Ekonomi Pembangunan STIE Muhammadiyah Palopo Jurnal Administrasi dan Manajemen Coopetition : Jurnal Ilmiah Manajemen Transekonomika : Akuntansi, Bisnis dan Keuangan Journal of Management, Accounting, General Finance and International Economic Issues (MARGINAL) Guna Sewaka Waisya : Jurnal Ekonomi Hindu KONTAN: Jurnal Ekonomi, Manajemen dan Bisnis
Yanti, Ni Nyoman Suli Asmara
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Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Social Sciences Other

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Peran Latar Belakang Pendidikan Dan Tingkat Pendapatan Terhadap Literasi Keuangan Ibu Rumah Tangga Di Kelurahan Pagesangan Dewi Artari, Ni Wayan Putri; Yanti, Ni Nyoman Suli Asmara
JURNAL ADMINISTRASI & MANAJEMEN Vol 15, No 4 (2025): Jurnal Administrasi dan Manajemen
Publisher : Universitas Respati Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52643/jam.v15i4.7199

Abstract

Abstrak Penelitian ini bertujuan untuk menganalisis pengaruh latar belakang pendidikan dan tingkat pendapatan terhadap literasi keuangan ibu rumah tangga di Kelurahan Pagesangan, Mataram. Pendekatan yang digunakan adalah kualitatif deskriptif dengan teknik purposive sampling terhadap empat informan dengan latar pendidikan dan pendapatan berbeda. Data dikumpulkan melalui wawancara mendalam, observasi, dan dokumentasi, lalu dianalisis menggunakan model Miles dan Huberman. Hasil penelitian menunjukkan bahwa tingkat pendidikan dan pendapatan berperan signifikan terhadap literasi keuangan. Ibu rumah tangga dengan pendidikan lebih tinggi dan pendapatan lebih besar menunjukkan pengelolaan keuangan yang lebih baik, mampu menabung, berinvestasi, dan mengatur pengeluaran secara terstruktur. Temuan ini memberikan implikasi penting bagi pengembangan program literasi keuangan yang sesuai dengan kondisi sosial ekonomi ibu rumah tangga. Kata kunci: literasi keuangan, ibu rumah tangga, pendidikan, pendapatan, Kelurahan Pagesangan.
Financial Report Analysis in Measuring the Financial Performance of State-Owned Banks Jatiningsih, Nyoman; Yanti, Ni Nyoman Suli Asmara
JOURNAL OF MANAGEMENT, ACCOUNTING, GENERAL FINANCE AND INTERNATIONAL ECONOMIC ISSUES Vol. 5 No. 2 (2026): MARCH
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/marginal.v5i2.2113

Abstract

This research is motivated by the dynamics of the financial performance of the State-Owned Enterprise (SOE) banking industry during the 2020-2024 period, which was influenced by the COVID-19 pandemic and the economic recovery process. Differences in performance achievements between banks indicate the need for a comprehensive assessment of the financial health of SOE banks. The main objective of this study is to analyze the financial performance of SOE banks in terms of solvency, profitability, and operational efficiency. The study used a descriptive quantitative design with a purposive sampling technique, utilizing secondary data in the form of the annual financial reports of four SOE banks listed on the Indonesia Stock Exchange. Financial performance was measured using the Debt to Asset Ratio to assess solvency, Return on Assets and Net Interest Margin to assess profitability, and the Operating Cost to Operating Income ratio to assess operational efficiency. The results show that the financial condition of SOE banks is in the healthy to very healthy category. Bank Rakyat Indonesia and Bank Mandiri recorded the most optimal performance, especially in the aspects of profitability and efficiency, while Bank Negara Indonesia is in the good category with a consistent improvement trend. However, Bank Tabungan Negara still faces challenges, especially related to low levels of profitability and operational efficiency. This study concludes that increasing operational efficiency and optimizing the utilization of productive assets are important implications for strengthening competitiveness and maintaining the sustainability of the financial performance of state-owned banks.
Comparison of Financial Performance of State-Owned Banks and National Private Banks Using Financial Ratio Yulianti, Komang; Yanti, Ni Nyoman Suli Asmara
TRANSEKONOMIKA: AKUNTANSI, BISNIS DAN KEUANGAN Vol. 5 No. 6 (2025): November 2025
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/transekonomika.v5i6.1065

Abstract

In Indonesia's banking sector, State-Owned Banks and National Private Banks operate under the same regulations but with different ownership structures and strategic focuses, which may lead to variations in their financial performance. This study aims to compare the financial performance of State-Owned Banks and National Private Banks listed on the Indonesia Stock Exchange for the 2020-2024 period. This study uses a quantitative approach with a comparative method through purposive sampling, where 4 state-owned banks and 5 national private banks were selected as research samples. The variables used were key financial ratios, including CAR, ROA, ROE, NIM, BOPO, and NPL. Data were analyzed using an independent t-test to identify differences in financial performance between the two groups of banks. The results showed that the financial performance of national private banks was better than that of State-Owned Banks listed on the BEI for the 2020-2024 period. There were significant differences between state-owned banks and private banks for the CAR, ROE, and NPL ratios. However, there were no significant differences in the ROA, NIM, and BOPO ratios between state-owned banks and private banks for the 2020-2024 period. These findings imply that banks in Indonesia have different management focuses based on their ownership structure. Therefore, regulators such as the Financial Services Authority (OJK) and Bank Indonesia (BI) need to strengthen credit quality monitoring policies at state-owned banks, encourage capital strengthening, and improve operational efficiency through digitalization and cost control.
Co-Authors Devi, Ni Putu Laksmi Pradayini Dewi Artari, Ni Wayan Putri Jatiningsih, Nyoman Juniarsini, Ni Nengah Mega Lestari, Ni Luh Eka Ni Wayan Dista Anggreni Rismayanti, Luh Putu Saraswati, Made Dwi Sandi Somiartha, Putu Wibawa, I Gede Jaya Satria Widia, Ni Nyoman Nesti Yantini, Ni Wayan Dewi Yulianti, Komang