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All Journal Jurnal Keuangan dan Perbankan Syntax Literate: Jurnal Ilmiah Indonesia Jurnal Cahaya Mandalika Jurnal ComunitA Servizio Golden Ratio of Community Services and Dedication Jurnal Penelitian Pendidikan Indonesia
Lis Sintha Oppusunggu
Universitas Kristen Indonesia, Jakarta
Humanities Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Nursing Social Sciences Other

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Factors Affecting Bank Profitability of BUKU 1 and BUKU 2 Lis Sintha Oppusunggu; Lita Dwipasari
Jurnal Keuangan dan Perbankan Vol 25, No 4 (2021): October 2021
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jkdp.v25i4.6445

Abstract

The research aims to know and analyze the effect of bank health ratios in terms of capital aspects (CAR and CCRA), rentabilities aspects (ROA, OEOI, and NIM), and liquidity aspects (LDR and LAR) on Profitability in BUKU 1 and BUKU 2 group banks. This study used secondary data obtained from monthly financial statements on banks category BUKU 1 and BUKU 2 period January 2015-December 2019 while analyzing data using the multiple linear regression analysis approaches. The results found that 1) aspects of bank capital as measured by capital Adequacy Ratio and Core Capital Ratio to ATMR consistently had no significant effect on profitability in the BUKU 1 and BUKU 2 group banks; 2) Aspects of Rentability as measured by ROA and NIM proved to have a negative and significant effect on bank profitability in the BUKU 1 and BUKU 2 groups, While for Operating Expenses or Operating Income proved to have a significant negative effect on bank profitability and 3) Aspects of liquidity as measured by LDR and LAR proved to have a positive and significant effect on profitability in banks in the BUKU 1 and BUKU 2 groups, and 4) Among bank health ratios, it was found that LDR was the dominant variable on the profitability on banks in the BUKU 1 and BUKU 2 groups.JEL: G21, G23, G53
Peningkatan Literasi terhadap Lembaga Jasa Keuangan Bank pada Masyarakat Kelurahan Cawang Jakarta Timur Riwandari Juniasti Purnama; Edison Siregar; Lis Sintha Oppusunggu; Fery Tobing
JURNAL Comunità Servizio : Jurnal Terkait Kegiatan Pengabdian kepada Masyarakat, terkhusus bidang Teknologi, Kewirausahaan dan Sosial Kemasyarakatan Vol. 2 No. 2 (2020): OKTOBER
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat (LPPM), Univesitas Kristen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33541/cs.v2i2.1938

Abstract

Many people are familiar with banking institutions but not all are able to access banks and utilize banking products and understand the risks they face. Through Community Service activities in Cawang Village, East Jakarta, financial education is conducted to improve public financial literacy in Cawang Village, East Jakarta on financial services, financial services products, and how to get access to financial institutions especially banks, including providing knowledge on how to apply for credit to banks, as well as knowledge about the role of the Financial Services Authority (OJK) and the Deposit Insurance Corporation (LPS). The method used is financial education and to see the results of the impact on the material presented, an evaluation is carried out in the form of pre-test and post-test for participants present in the Kelurahan. The results of the PkM show that the literacy of PkM participants in Cawang Village in East Jakarta is quite good, because they already know OJK. LPS and banks and have transacted at banks. After financial education, 61.30% of participants experienced an increase in literacy. Literacy improvement is also determined by levels of education, age and gender. PkM participants can be said to have knowledge and confidence about financial service institutions and financial products and services, including features, benefits and risks, rights and obligations related to financial products and services Keywords: financial education; financial literacy; banking
SOSIALISASI MENGELOLA KEUANGAN USAHA DI PERKUMPULAN PERSATUAN WANITA METHODIST INDONESIA GEREJA METHODIST INDONESIA SUNGAI YORDAN BEKASI Riwandari Juniasti Purnama; Edison Siregar; Lis Sintha Oppusunggu; Fery Tobing
JURNAL Comunità Servizio : Jurnal Terkait Kegiatan Pengabdian kepada Masyarakat, terkhusus bidang Teknologi, Kewirausahaan dan Sosial Kemasyarakatan Vol. 3 No. 2 (2021): OKTOBER
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat (LPPM), Univesitas Kristen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33541/cs.v3i2.3382

Abstract

The purpose of Community Service at the Association of Indonesian Methodist Women (PWMI) of the Jordan River Indonesian Methodist Church which consists of housewives is to provide counseling to the housewives about managing business finances. The approach method used is to provide counseling and education about the introduction of side businesses with small capital, Consumer Behavior in the New Normal Era, Break-Even Point Analysis, and How to Manage Business Profits. The results and implications of this Community Service (PkM) activity are the housewives who are members of PWMI can recognize various types of potential side businesses that can be carried out by housewives with small capital and whose mobility is limited. Knowing what challenges will be faced by business owners to survive while changing consumer/community behavior in meeting their needs during the new normal; gain knowledge in business analysis, break-even points and gain knowledge on how to manage business profits/profits so that operating profits can be used for business development. Keywords: financial literacy, housewife, side business
Managing Family Finances During The COVID-19 Pandemic Yusuf Rombe M. Allo; Lis Sintha; Edison Siregar; Riwandari Juniasti
Golden Ratio of Community Services and Dedication Vol. 1 No. 2 (2021): May - October
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (564.159 KB) | DOI: 10.52970/grcsd.v1i2.122

Abstract

This community service activity (PPM) aims to increase the understanding of the Methodist Indonesia Sungai Yordan Church congregation in managing business finances/side businesses to develop well and manage family finances to achieve specific funding targets in the future. To protect and increase the wealth owned; to manage cash flow (incoming and spending money); to carry out risk management and manage risks appropriately, and to manage accounts payable correctly and adequately. The method used is by conducting counseling and distributing online questionnaires to determine financial conditions during the pandemic. Based on the questionnaire results, most of the church members who attended stated that they could overcome financial difficulties during the pandemic with the income they received every month. The chosen investment method is savings and gold to be quickly withdrawn/sold during a pandemic.
Nilai Waktu Uang Gad Edison; Lis Sintha Oppusunggu
Syntax Literate Jurnal Ilmiah Indonesia
Publisher : Syntax Corporation

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (242.724 KB) | DOI: 10.36418/syntax-literate.v8i6.12467

Abstract

The time value of money has a major role in financial management in making long-term decisions. The time value of money is needed by managers as a consideration before investing or determining the source of funds. The concept of the time value of money is a concept where money received today has a greater value than the value received in the future. Money held today has a greater value as a result of investing and earning interest. So the future value of money is equal to the entire population in the tth period, and the past value of money is equal to the entire population in the 0th period, and the interest rate is defined as the development of the population in each period. This statement belongs to a false concept, because money is not a creature that can develop. Similarly, time cannot be valued by money
Risk Profile Assessment ofRisk profile assessment of core capital adequacy: capital adequacy tier-book strategy Core Capital Adequacy: Capital Adequacy Tier-Book Strategy Lis Sintha Oppusunggu; Yusuf Rombe M.Allo
JPPI (Jurnal Penelitian Pendidikan Indonesia) Vol 9, No 2 (2023): JPPI (Jurnal Penelitian Pendidikan Indonesia)
Publisher : Indonesian Institute for Counseling, Education and Theraphy (IICET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29210/020222055

Abstract

The purpose of this study is to analyze the effect of risk profile variables both on the fulfillment of core capital adequacy and to find out which risk variables have a dominant influence on core capital adequacy in bank books 1 and 2. This research is included in quantitative analysis. This study uses purposive sampling, and data collection is carried out using the documentation method by looking at the annual financial reports on the OJK (Financial Services Authority) website, BI (Bank Indonesia) website, and the Bank's website object of research. The results of this study using the level of capital ratios by banks, namely the ratio of CAR, ROA, OEOI, NIM, LDR, and RAR, show good results. Because the standard deviation reflects very high variations, the distribution of data shows expected results and does not cause bias. Assessment of the Bank's Soundness Level using a risk approach (Risk-based Bank Rating) is executed based on a thorough analysis of the Bank's performance, risk profile, problems, and development prospects of the Bank since the purpose of maintaining the soundness of banks through consideration of the aspect of capital adequacy is the most significant part in order to gain public trust.
MANAJEMEN RISIKO KREDIT DAN LIKUIDITAS PADA BANK UMUM KONVENSIONAL DAN BANK UMUM SYARIAH PERIODE JUNI 2019 – MEI 2020 Clara Debiora Leviana Rumere; Lis Sintha Oppusunggu
Jurnal Cahaya Mandalika ISSN 2721-4796 (online) Vol. 4 No. 3 (2023): Jurnal Cahaya Mandalika
Publisher : Institut Penelitian Dan Pengambangan Mandalika Indonesia (IP2MI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36312/jcm.v4i3.1846

Abstract

The purpose of this study is to get an overview of risk management in the dual banking system, namely Conventional Commercial Banks and Islamic Commercial Banks in Indonesia. In this case, risk management focuses on credit or financing risk and liquidity risk. The data source used in this research is secondary data. While the data collection techniques used in this study are in the form of literature and documentation. The sample of this research is in the form of financial reports on Conventional Commercial Banks and Islamic Commercial Banks for the June 2019-2020 period. For data analysis techniques, the study used the Independent Sample t-test. The results of the research show that in credit risk management a. From the perspective of a significant value of 0.00, it means lower than the research alpha (0.05). If the significant value (2 tailed) < alpha research (0.05), then the null hypothesis (H0) is rejected and the alternative hypothesis (Ha) is accepted. This means that there is a difference in credit risk between conventional banks and Islamic banks. b. From the perspective of the t value of 3,997, it means that it is greater than the t table of 2,179. If the t-count value > t-table, then H0 is rejected and Ha is accepted. This means that there is a difference in credit risk between conventional banks and Islamic banks. While on liquidity risk management a. From the perspective of a significant value of 0.00, it means lower than the research alpha (0.05). If the significant value (2 tailed) < alpha research (0.05), then the null hypothesis (H0) is rejected and the alternative hypothesis (Ha) is accepted. This means that there are differences in liquidity risk between conventional banks and Islamic banks. b. From the perspective of the t value of 6,747, it means that it is greater than the t table of 2,179. If the t-count value > t-table, then H0 is rejected and Ha is accepted. This means that there are differences in liquidity risk between conventional banks and Islamic banks.
Co-Authors Allo, Yusuf Rombe M. Clara Debiora Leviana Rumere Edison Siregar Fery Tobing Fery Tobing Gad Edison Lita Dwipasari, Lita Riwandari Juniasti Yusuf Rombe M.Allo