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PENGARUH DEBT TO EQUITY RATIO, NON PERFORMING LOAN DAN BIAYA OPERASIONAL PENDAPATAN OPERASIONAL TERHADAP RETURN ON ASSET PADA PT. PEGADAIAN (PERSERO) Fietroh, Muhammad Nur; Fitriyani, Ika
Jurnal Ilmiah Manajemen & Bisnis Vol 7 No 2 (2022)
Publisher : Universitas Pendidikan Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38043/jimb.v7i2.3846

Abstract

Permasalahan yang dialami oleh PT. Pegadaian jika dilihat dari Debt to Equity Ratio (DER) pada tahun 2007–2020 memiliki katagori kurang baik yaitu sebesar 3,13%. Rasio hutang yang cukup tinggi berdampak pada perusahaan belum bisa membayar penuh kewajibannya. Selain itu, DER pada ekuitas yang rendah berdampak bahwa perusahaan tersebut belum bisa memanfaatkan labanya secara maksimal. Tingkat Return On Assets (ROA) telah mengalami fluktuasi selama 14 tahun tersebut.Tujuan penelitian ini untuk mengetahui pengaruhDebt to Equity Ratio (DER), Non Performing Loan (NPL) dan Biaya Operasional Pendapatan Operasional (BOPO) terhadap Return On Asset (ROA) pada PT Pegadaian (Persero). Teknik pengumpulan data dengan menggunakan metode dokumentasi yaitu berupa laporan keuangan pada PT. Pegadaian (Persero). Teknik analisis data menggunakan regresi linear berganda, uji asumsi klasik, uji t (secara parsial), uji f (simultan) dan koefisien determinasi. Pengolahan data dalam penelitian ini menggunakan program Software SPSS (Statistic Package for the social Sciens) 23.00 for Windows. Hasil penelitian ini menunjukkan bahwa secara parsial DER berpengaruh positif terhadap ROA, Secara parsial NPL tidak berpengaruh terhadap ROA. Secara parsial BOPO berpengaruh terhadap ROA. Kemudian secara simultan DER, NPL, dan BOPO berpengaruh signifikan terhadap ROA pada PT. Pegadaian.
PENGARUH MANAJEMEN PENGETAHUAN DAN ORIENTASI TEKNOLOGI TERHADAP KAPABILITAS INOVASI SERTA IMPLIKASINYA TERHADAP KINERJA UMKM BERORINETASI HALAL Fitriyani, Ika; Nana Sucihati, Roos; Sutanty, Marisa; Aurelia Kamal, Afina
SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol. 5 No. 1 (2025)
Publisher : Penerbit Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/sibatik.v5i1.4180

Abstract

His study examines the effects of knowledge management and technology orientation on innovation capability and their implications for the performance of halal-oriented micro, small, and medium enterprises (MSMEs). The growing demand for halal products has encouraged MSMEs not only to comply with regulatory and certification standards but also to enhance their innovative capacity in order to remain competitive in an increasingly dynamic market. Knowledge management plays a crucial role in the creation, storage, and application of information as a foundation for strategic decision-making and the development of new ideas. In parallel, technology orientation reflects the extent to which MSMEs adopt and utilize digital technologies to support and improve business processes. This study employs a quantitative approach by distributing structured questionnaires to 100 food and beverage MSME owners who have obtained halal certification or are currently in the certification process. The data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM). The findings indicate that knowledge management and technology orientation have a positive and statistically significant effect on innovation capability. Furthermore, innovation capability significantly influences the performance of halal-oriented MSMEs and mediates the relationship between knowledge management and technology orientation and MSME performance. These results highlight that effective knowledge management and comprehensive technology utilization are critical drivers of innovation and business performance among halal-oriented MSMEs.