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Determinants of Commercial Bank Performance with Guarantee Interest as Moderating Variables in Banks Listed on IDX 2016 – 2020 Dhanang Hartanto; Andam Dewi Syarif
Journal of Social Science Vol. 3 No. 4 (2022): Journal of Social Science
Publisher : Syntax Corporation Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46799/jss.v3i4.397

This study aims to analyze and examine the effect of the Efficiency Ratio (BOPO), Capital Adequacy Ratio (CAR), Loan To Deposit Ratio (LDR), Non-Performing Loan (NPL), Size (SIZE) with LPS Guarantee Interest Rate (SBP) as a moderating variable on the Return On Assets (ROA) of Commercial Banks listed on the Indonesia Stock Exchange for the 2016-2020 period. The sampling method used is purposive sampling, including the observation of 38 commercial banks listed on the Indonesia Stock Exchange from 2016 to 2020. The statistical analysis method used is a descriptive quantitative method with the type of data being time series and cross-section using moderated regression analysis method (MRA). The results showed that the determinants of Operating Costs with Operating Income (BOPO) and Guarantee Interest Rate (SBP) had a positive and significant effect on Return On Assets (ROA), Non Performing Loans (NPL) had a significant negative effect on Return On Assets (ROA). The Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) and Bank Size (SIZE) do not affect Return On Assets (ROA). The results of the Moderating Guarantee Interest Rate (SBP) moderate the effect of Operating Costs with Operating Income (BOPO) and moderate the effect of Non-Performing Loans (NPL) on Return On Assets (ROA). It is believed that the Guaranteed Interest Rate (SBP) has force power as a determinant of the level of profitability or performance of the bank, either directly or indirectly.

Determinants of Commercial Bank Performance with Guarantee Interest as Moderating Variables in Banks Listed on IDX 2016 – 2020 Dhanang Hartanto; Andam Dewi Syarif
Journal of Social Science Vol. 3 No. 4 (2022): Journal of Social Science
Publisher : Syntax Corporation Indonesia

This study aims to analyze and examine the effect of the Efficiency Ratio (BOPO), Capital Adequacy Ratio (CAR), Loan To Deposit Ratio (LDR), Non-Performing Loan (NPL), Size (SIZE) with LPS Guarantee Interest Rate (SBP) as a moderating variable on the Return On Assets (ROA) of Commercial Banks listed on the Indonesia Stock Exchange for the 2016-2020 period. The sampling method used is purposive sampling, including the observation of 38 commercial banks listed on the Indonesia Stock Exchange from 2016 to 2020. The statistical analysis method used is a descriptive quantitative method with the type of data being time series and cross-section using moderated regression analysis method (MRA). The results showed that the determinants of Operating Costs with Operating Income (BOPO) and Guarantee Interest Rate (SBP) had a positive and significant effect on Return On Assets (ROA), Non Performing Loans (NPL) had a significant negative effect on Return On Assets (ROA). The Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) and Bank Size (SIZE) do not affect Return On Assets (ROA). The results of the Moderating Guarantee Interest Rate (SBP) moderate the effect of Operating Costs with Operating Income (BOPO) and moderate the effect of Non-Performing Loans (NPL) on Return On Assets (ROA). It is believed that the Guaranteed Interest Rate (SBP) has force power as a determinant of the level of profitability or performance of the bank, either directly or indirectly.

Pelatihan Pengelolaan Keuangan Berbasis Ramah Lingkungan untuk Keberlanjutan Usaha UMKM Nasabah PNM Mekaar Andam Dewi Syarif
Jurnal Abdi Masyarakat Indonesia Vol 4 No 3 (2024): JAMSI - Mei 2024
Publisher : CV Firmos

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54082/jamsi.1159

Sejak dahulu diyakini bahwa UMKM mempunyai peran penting dalam pertumbuhan ekonomi suatu negara. Secara khusus, dipercaya bahwa keberadaan UMKM akan membantu mengakhiri kemiskinan dengan terbentuknya lapangan kerja. Namun, ada banyak hambatan yang menghalangi pertumbuhan UMKM. Akibatnya, diperlukan upaya strategis untuk meningkatkan pertumbuhan UMKM. Salah satu caranya adalah dengan meningkatkan pengetahuan pelaku UMKM tentang pengelolaan keuangan, yang memungkinkan peningkatan keuangan usaha. Dilain pihak, Pemerintah Indonesia berusaha membangun ekonomi hijau yang ramah lingkungan untuk mendukung pembangunan usaha berkelanjutan. Untuk itu, kegiatan ini ditujukan untuk memberikan pemahaman tentang pengelolaan keuangan usaha yang tidak merusak lingkungan bagi nasabah PNM Mekaar berjumlah 48 orang, yang merupakan perempuan prasejahtera pelaku usaha mikro. Adapun metode yang digunakan dalam pengabdian ini adalah ceramah, tutorial, dan diskusi. Hasil kuesioner peserta pengabdian memperlihatkan bahwa mayoritas peserta (diatas 90%) merasa puas dengan kegiatan pengabdian ini. Hal ini karena para peserta menjadi lebih memahami cara mengelola keuangan yang ramah lingkungan dan mampu menerapkan konsep 3 R (reducing, reuse, and recycle) dalam usaha mereka sehingga dapat meningkatkan pendapatan mereka sambil menjaga lingkungan.

Penerapan Budaya Kerja 5R untuk Keberlangsungan Usaha Mikro di Wilayah Jakarta Barat Niken Sulistyowati; Andam Dewi Syarif; Median Wilestari
BERNAS: Jurnal Pengabdian Kepada Masyarakat Vol. 5 No. 3 (2024)
Publisher : Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/jb.v5i3.9464

Budaya kerja 5R adalah kebulatan tekad untuk mengadakan Ringkas di tempat kerja, Rapi, Resik, Rawat dan Rajin memelihara kebiasaan yang diperlukan untuk melaksanakan pekerjaan dengan baik. Tujuan kegiatan ini adalah 1) Agar pelaku usaha mikro dapat memahami pentingnya Budaya Kerja 5R, 2) Agar pelaku mitra usaha dapat menerapkan budaya kerja 5R secara continue, sehingga dapat berkontribusi dalam meningkatkan kualitas produk, 3) Agar pelaku usaha mikro dapat mengetahui bahwa peningkatkan kualitas produk akibat diterapkannya budaya kerja 5R secara continue akan berpengaruh dalam meningkatkan kepuasan dan loyalitas konsumen, sehingga dapat menjamin keberlangsungan usaha. Metode yang digunakan: 1) Memberi ceramah dan bimbingan tentang apa dan bagaimana budaya kerja 5R dan pengaruhnya terhadap peningkatan kualitas produk, kepuasan konsumen dan loyalitas pelanggan untuk keberlangsungan usaha, 2) Melakukan evaluasi penerapan budaya 5R dan pelaksanaan kegiatan pengabdian kepada Masyarakat. Hasil kesimpulan kegiatan ini adalah 1). Peserta mampu mengerti dan memahami pentingnya Budaya Kerja 5R dilakukan secara kontinyu, 2). Peserta mampu mengevaluasi dan menerapkan budaya kerja 5R dalam usaha mereka. Hasil evaluasi menyatakan bahwa peserta puas dengan pelaksanaan kegiatan pengabdian kepada masyarakat.

THE DETERMINANT OF DIVIDEND PAYOUT RATIO: LONG-TERM ANALYSIS IN BUKU EMPAT'S BANKS DURING PERIODS 2008 - 2017 Aulia Rahma, Ayu; Dewi Syarif , Andam
Dinasti International Journal of Management Science Vol. 2 No. 2 (2020): Dinasti International Journal of Management Science (November - December 2020)
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/dijms.v2i2.449

This research purposed to explored and analyzed those influence from capital adequacy ratios, net interest margins, loan to deposit ratios and non-performing loans towards dividend payout ratios on banks that registered as Buku Empat 2008-2017. Sampling gathered in this research by quantitative approach. Samples which obtained and used were Mandiri Bank, BRI, BNI, and BCA with observation period for 10 years. Data research was secondary data by panel data analysis method. The results shows that capital adequacy ratio had positive and significant influence towards dividend payout ratio, Net interest margin had negative and significant influence towards dividend payout ratio, Loan to deposit ratio had negative and significant impact on dividend payout ratio, non-performing loans had positive and significant impact towards dividends payout ratio.

ANALYSIS OF THE EFFECTS OF LIQUIDITY, ACTIVITIES, LEVERAGE, AND PROFITABILITY ON FIRM VALUE IN RETAIL TRADE SUBSECTOR (IDX) 2015-2020 PERIOD Yulianti, Riska; Dewi Syarif, Andam
Dinasti International Journal of Digital Business Management Vol. 3 No. 1 (2021): Dinasti International Journal of Digital Business Management (December 2021 - J
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/dijdbm.v3i1.1078

This research intends to determine the effect of liquidity, activity, leverage, and profitability on company value. The population of this research is the entire IDX retail trade subsector in 2015-2020 as many as 25 companies and the number of samples is 14 companies. The data analysis method used in the research is Panel Data Regression and the best model is the Random Effect Model. The results of the research partially found that liquidity (CR), activity (TATO), and leverage (DER) did not affect PBV, while profitability (NPM) had a positive effect on PBV. The research results simultaneously found that liquidity (CR), activity (TATO), leverage (DER), and profitability (NPM) had an impact on PBV.

Leveraging Digital Finance Literacy to Enhance Financial Inclusion for Migrant Communities in Malaysia Risman, Asep; Syarif, Andam Dewi
Jurnal Penyuluhan dan Pemberdayaan Masyarakat Vol. 4 No. 3 (2025): Jurnal Penyuluhan dan Pemberdayaan Masyarakat (September)
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59066/jppm.v4i3.1484

This Community Service Activity is intended to improve the financial inclusion of Indonesian migrant workers in Malaysia, focusing on those residing on Penang Island. As an integral part of the Indonesian diaspora, migrant workers often face challenges in accessing financial services, which in turn can affect their overall welfare. Enhancing financial inclusion is considered a strategic approach to supporting their economic well-being and long-term sustainability. The activity was carried out through educational interventions designed to strengthen digital finance literacy. The method involved a combination of lectures and practical training. The materials delivered included an overview of digital finance, types of digital finance services, their benefits, and step-by-step guidance on using digital financel applications—such as e-wallets and digital gold platforms. Practical components covered processes such as account registration, fund deposits and withdrawals, as well as transactions (purchasing and selling) within digital marketplaces in collaboration with financial technology providers. To evaluate the effectiveness of the program, a questionnaire was administered to participants. The results indicated that 73.3% of participants expressed a high level of satisfaction, while 57.3% perceived the program as important and beneficial. Tangible outputs from this activity include educational videos published on YouTube, articles featured in mass media, peer-reviewed journal publications, and registered Intellectual Property Rights (IPR).

The Influence Of Liquidity, Profitability, Leverage, And Firm Size On Stock Returns With Environmental Performance As A Moderating Variable In Energy Sector Companies Alansjah, Beni; Syarif, Andam Dewi
Enrichment: Journal of Multidisciplinary Research and Development Vol. 3 No. 6 (2025): Enrichment: Journal of Multidisciplinary Research and Development
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/enrichment.v3i6.482

This study aims to analyze the influence of liquidity, profitability, leverage, and company size on stock returns, with environmental performance as a moderation variable in energy sector companies listed on the Indonesia Stock Exchange (IDX) during the 2019–2024 period. The method used is a quantitative approach with a panel data regression technique, using secondary data in the form of annual financial reports and PROPER scores from the Ministry of Environment and Forestry as indicators of environmental performance. The results of the study show that partially, only leverage has a significant negative effect on stock returns. Meanwhile, liquidity, profitability, and firm size did not show a significant influence. The environmental performance variable also does not have a significant effect on stock returns. However, the interaction between leverage and environmental performance has a significant positive effect, indicating that good environmental practices can moderate the negative impact of leverage on stock returns. These findings underscore the importance of integrating sustainability aspects into the company's financial strategy to increase investor confidence, especially in the energy sector which has high environmental risks.

THE ROLE OF PROFITABILITY, CAPITAL STRUCTURE AND FIRM SIZE TOWARDS THE FIRM VALUE OF PT. CITRA MARGA NUSAPHALA PERSADA, TBK DURING PERIOD 1995-2017 Yusuf, Julio; Dewi Syarif, Andam
Dinasti International Journal of Economics, Finance & Accounting Vol. 1 No. 6 (2021): Dinasti International Journal of Economics, Finance & Accounting (January - Feb
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v1i6.743

This research has intend to reveal and investigate the impact of return on assets, return on equity, debt equity ratio, and firm size towards firm value of PT. Citra Marga Nusaphala Persada Tbk. The research Sampling used a quantitative approach. The Samples obtained and used were financial Statements of PT CMPN Tbk which have been published on the IDX with an observation period of 23 years with 2 semesters of each year. These research data used was secondary data through time series data analysis method. The results of this research shows that return on assets has a negative and significant affect on firm value; return on equity has a positive and significant affect on firm value; debt equity ratio has a negative and significant affect on firm value; firm size has no significant affect on firm value.

Green Banking, ESG Performance, and Profitability on Bank Credit Risk: The Moderating Role of Asset Quality Using a Fuzzy Structural Risk Approach Akhlaqil Karimah, Wafi; Syarif, Andam Dewi
Dinasti International Journal of Digital Business Management Vol. 7 No. 2 (2026): Dinasti International Journal of Digital Business Management (February - March
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijdbm.v7i2.6389

This study examines the effect of green banking, environmental social governance performance, and profitability on bank credit risk, with asset quality acting as a moderating variable. The research object consists of Indonesian conventional commercial banks classified as KBMI 3 and KBMI 4 during 2020–2024. The objective is to analyze whether sustainability integration reduces structural default vulnerability and how credit discipline conditions this relationship. The study applies panel data regression and moderated regression analysis using the Fuzzy Structural Risk of Default as a structural credit risk proxy. The results show that green banking is associated with higher short-term credit risk due to transition-related frictions. Environmental social governance performance significantly reduces credit risk, while profitability does not directly influence risk but strengthens stability when asset quality is strong. Asset quality functions both as a determinant and as a conditioning mechanism in sustainability–risk dynamics. The findings indicate that sustainable banking resilience depends on disciplined credit portfolio management during sustainability transition phases in emerging financial systems.

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