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Analisis Kinerja Keuangan Bank BUMN Dengan Metode RGEC Financial Performance Analysis of BUMN Banks Using The RGEC Method Ratna Gumilang, Risa; Nuryana, Nuryana
Coopetition : Jurnal Ilmiah Manajemen Vol. 16 No. 2 (2025): Coopetition : Jurnal Ilmiah Manajemen
Publisher : Program Studi Magister Manajemen, Institut Manajemen Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/2hf0p054

Abstract

Indonesia's economy has experienced a contraction, which can impact all aspects of the country's economy and pose challenges to the sustainability of the banking business. The banking sector plays a crucial role in economic recovery by providing credit to individuals or entrepreneurs in need of working capital. This study aims to assess the financial performance and health condition of BUMN banks using the RGEC method. The research employs a qualitative descriptive approach. The secondary data used consists of financial reports of BUMN banks from 2019 to 2023, obtained from the Indonesia Stock Exchange website and the respective banks' official websites. The findings indicate that Bank Mandiri has the lowest average NPL compared to other BUMN banks. Bank Mandiri ranks first in GCG implementation, while BRI, BNI, and BTN share the second position. Bank BRI has the highest average ROA and CAR among BUMN banks. The health condition of BUMN banks based on the RGEC method over the past five years shows that Bank BRI and Bank Mandiri are in a "Highly Healthy" condition, while Bank BNI and BTN are classified as "Healthy”.
Accounting Evaluation: Digital Transformation as Moderating Variable in Fintech, Green Finance, And Blue Finance Impact on Banking Financial Performance Gumilang, Risa Ratna; Nugraha, N; Suryadi, Edi; Sari, Maya; Heryana, Toni
Jurnal ASET (Akuntansi Riset) Vol 17, No 1 (2025): JURNAL ASET (AKUNTANSI RISET) JANUARI-JUNI 2025
Publisher : Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/jaset.v17i1.76573

Abstract

This study aims to examine the influence of fintech adaptation, green finance and blue finance on financial performance moderated by digital transformation. The research was conducted on banking sub sector companies listed on the Indonesia Stock Exchange (IDX) for the period of 2021-2023, totalling 141 observation data. The research results using WRAP PLS analysis found that fintech adaptation and green finance do not affect financial performance while blue finance has a significant impact on financial performance. Furthermore, the moderation test results showed that digital transformation moderates the effect of fintech adaptation and green finance on financial performance, but does not moderate the effect of blue finance on financial performance. The research findings support stakeholder’s theory, indicating that banks must play a role in providing policy support to the government in realizing environmentally-oriented investments. 
An Analysis Of Product Quality At PT Sinar Sagara Sejahtera Sumedang Apriani, Sabrina; Gumilang, Risa Ratna; Damayanti, Wulan Ariani
SINTESA Vol. 16 No. 1 (2025): Sintesa
Publisher : SINTESA

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Abstract

The footwear industry in Indonesia has developed very rapidly and is characterized by many companies that produce quality sandals. The research focus of this thesis is how the quality of products at PT Sinar Sagara Sejahtera Sumedang This study aims to determine the quality of products at PT Sinar Sagara Sejahtera Sumedang and to find out the obstacles and solutions to product quality at PT Sinar Sagara Sejahtera Sumedang. The method used in this research is descriptive qualitative, with a purposive sampling technique with informants totaling 10 people. Data collection techniques from this study through observation, interviews, documentation, and triangulation. In analyzing the data that has been obtained using the Miles and Huberman model through stages, data collection, data reduction, data presentation, and conclusion drawing/verification. The results of this study indicate that product quality at PT Sinar Sagara Sejahtera Sumedang is classified as good and in accordance with conditions in the field, but there are still indicators that need to be improved in order to meet consumer expectations more optimally regarding product quality at PT Sinar Sagara Sejahtera Sumedang.
Analysis Of Promotional Strategies In PT Sinar Sagara Sejahtera Sumedang Putri, Anggi Septiani; Kurniasih, Nining; Gumilang, Risa Ratna
Journal of Bussines Management Basic Vol 7 No 2 (2025): Journal of bussines management
Publisher : Universitas Sebelas April, Fakultas Ekonomi dan Bisnis

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Abstract

PT Sinar Sagara Sejatera Sumedang is a company engaged in the fashion industry to produce special women's shoes and sandals. Every company certainly requires good marketing management to achieve optimal sales targets, especially regarding promotional strategies that can influence consumers. Therefore, this study aims to determine the analysis of promotional strategies at PT Sinar Sagara Sejahtera Sumedang as well as obstacles and solutions to its implementation. The method used is a qualitative method with informants totaling 10 people. Data collection techniques of this research through observation, interviews, documentation and triangulation. The results showed that the promotion strategy at PT Sinar Sagara Sejahtera was good enough by implementing personal selling and sales promotion optimally. However, the company has not been maximized in implementing advertising, public relations and direct marketing because it has not provided print media advertisements, has never participated in exhibitions/events and does not have its own website on telemarketing
The Influence of Digital Marketing on Gold Investment Product Purchase Decisions at PT Pegadaian Sumedang Branch Munawar, Anwar; Gumilang, Risa Ratna; Nur'arif, Muhammad Irfan
Journal of Bussines Management Basic Vol 7 No 2 (2025): Journal of bussines management
Publisher : Universitas Sebelas April, Fakultas Ekonomi dan Bisnis

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Abstract

Digital transformation and technological advancements have altered how businesses engage with their customers. Consumer behavior and purchasing patterns have changed as a result of the internet and mobile devices becoming an essential part of daily life. Digital marketing has become a crucial tactic for businesses looking to stay competitive in a market that is becoming more and more dynamic. The purpose of this study was to ascertain how digital marketing affected the choices made by PT Pegadaian Sumedang Branch customers about gold investment products. A quantitative descriptive method is used in this investigation. The research sample consisted of 80 individuals employing accidental sampling procedures, whereas the research population consisted of 100 PT Pegadaian Sumedang Branch customers. Questionnaires, interviews, and observation were the methods utilized to gather data. Validity and reliability tests were part of this study's correlation test. Simple linear regression analysis was the method of data analysis employed. The findings demonstrated that digital marketing had a favorable and noteworthy impact on PT Pegadaian Sumedang Branch customers' decisions to buy gold investment goods. It can be concluded that digital marketing has a significant impact on purchasing decisions because the determinant's coefficient value in this study was 0.653, or 65.3%. However, other factors not covered in this study have an impact on the remaining 34.7%.
The Role of Brand Image in Overall Purchasing Decisions Online at Marketplace Gumilang, Risa Ratna; Ridwan, Zulkipli Marlinto
Journal of Bussines Management Basic Vol 6 No 1 (2024): Journal of bussines management
Publisher : Universitas Sebelas April, Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33481/jobm.v6i1.1354

Abstract

This research aims to analyze the role of brand image in online purchasing decisions in the marketplace. Brand images are believed to play an important role in influencing consumer purchasing behavior in the marketplace. This research uses a quantitative approach with a survey method involving 200 respondents who have made online purchases on the marketplace in the last 6 months. Data was collected through a questionnaire specifically designed to measure brand image perceptions and purchasing decisions. The results of the analysis show that brand image has a positive and significant relationship with online purchasing decisions. This finding underlines the importance of companies in building and maintaining a strong brand image to increase consumer purchasing decisions in the marketplace. This research also provides valuable insight for marketplace managers in developing features and services that can strengthen the brand image of sellers on their platforms
Analysis of Employee Work Productivity at PT Kinarya Mitra Sejahtera Sumedang Gumilang, Risa Ratna; Gustiawati, Rani; Damayanti, Wulan Ariani; Nurjanah, Annisa Siti; Nurjanah, Mualif Fadilah
Journal of Bussines Management Basic Vol 7 No 1 (2025): Journal of bussines management
Publisher : Universitas Sebelas April, Fakultas Ekonomi dan Bisnis

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Abstract

Drug distribution is an important aspect in the health industry, because it plays a role in ensuring the availability of safe, quality, and timely drugs to the public. This study aims to evaluate the drug distribution system at PT Kinarya Mitra Sejahtera Sumedang, and to analyze the effectiveness and efficiency of distribution operations carried out. The research method used is a qualitative descriptive approach with observation and documentation study techniques. The results of the study indicate that the company has implemented the principles of Good Drug Distribution Practices (CDOB) and Standard Operating Procedures (SOP), but there are obstacles in recording drug inventory due to the unavailability of a batch code system. This has an impact on delays in the recording process and potential delays in delivery. The effectiveness and efficiency of distribution are greatly influenced by human resource (HR) management, where skilled and trained workers are able to improve performance and compliance with regulations. Therefore, the implementation of a batch code system is an important priority in order to increase work productivity and optimize distribution services. This study recommends the development of an integrated information system and HR training to support the success of drug distribution as a whole
The Moderating Effect of Profitability on the Impact of ESG Risk Rating on Firm Value: ESG Leaders Index Risa Ratna Gumilang; Erpi Rahman; Dera Pebriyanti Pertiwi
ARRUS Journal of Social Sciences and Humanities Vol. 6 No. 3 (2026)
Publisher : PT ARRUS Intelektual Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35877/soshum5159

Abstract

Objectives: This study aims to examine the effect of ESG Risk Rating on firm value and to test the moderating role of profitability in this relationship in companies included in the IDX ESG Leaders index for the 2022–2025 period. Methodology: This study applies a quantitative approach with a causal associative design. The sample was selected using purposive sampling, resulting in 18 companies and 72 observations. Data analysis was conducted using Moderated Regression Analysis (MRA) based on secondary data from financial statements, annual reports, and ESG Risk Rating scores. Finding: The results show that ESG Risk Rating has a significant effect on firm value. Profitability, proxied by Return on Equity (ROE), is also found to negatively moderate this relationship, indicating that profitability weakens the effect of ESG Risk Rating on firm value. Conclusion: These findings indicate that ESG risk is relevant information in investors’ valuation decisions, but its influence becomes relatively weaker in firms with higher profitability. The results support stakeholder theory and signaling theory. Keywords: ESG Risk Rating; Firm Value; Profitability; Price to Book Value; Indeks ESG Leaders.
PENGARUH KUALITAS PELAYANAN TERHADAP REPURCHASE INTENTION PADA E - COMMERCE Risa Ratna Gumilang; Wulan Ariani Damayanti
Jurnal Ekbis (Ekonomi & Bisnis) Vol. 12 No. 1 (2024): Juni 2024
Publisher : POLITEKNIK PIKSI GANESHA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56689/ekbis.v12i1.1568

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh kualitas pelayanan terhadap niat pembelian ulang (repurchase intention) pada e-commerce. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei yang melibatkan 220 responden yang aktif berbelanja di e-commerce dalam enam bulan terakhir. Instrumen pengumpulan data berupa kuesioner yang telah diuji hassil validitas dan reabilitasnya. Hasil analisis regresi linier sederhana menunjukkan bahwa semua dimensi kualitas pelayanan memiliki pengaruh positif dan signifikan terhadap repurchase intention dan sebesar 63% kualitas pelayanan berpengaruh terhadap repurchase intention pada e-commerce.Peningkatan kualitas pelayanan tidak hanya dapat menarik pelanggan baru tetapi juga sangat penting untuk mempertahankan pelanggan yang sudah ada, yang pada akhirnya dapat meningkatkan kinerja bisnis secara keseluruhan. Kata Kunci : Kualitas Pelayanan, Repurchase Intention, E-commerce