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All Journal Jurnal Media Informasi Manajemen JURNAL AGRICA Jurnal Ekonomi Bisnis Manajemen Prima Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences International Journal of Educational Review, Law And Social Sciences (IJERLAS) International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Proceeding International Seminar of Islamic Studies International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) Indonesian Journal of Business Analytics (IJBA) International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Southeast Asia Journal of Graduate of Islamic Business and Economics International Journal of Economics, Commerce, and Management
Isfenti Sadalia
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Physics Social Sciences Other

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ANALYSIS OF THE EFFECT OF GREEN BANKING FINANCING AND BANK HEALTH ON FINANCIAL PERFORMANCE THROUGH BANK SIZE AS A MODERATING VARIATION OF THE BANKING INDUSTRY IN INDONESIA Jepri Wandes Nababan; Isfenti Sadalia; Khaira Amalia Fachrudin
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 4 No. 6 (2024): December
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijebas.v4i6.2343

Abstract

This study aims to analyze the effect of green banking financing and bank health on financial performance through bank size as a moderating variable in the banking industry in Indonesia. The type of research used is quantitative research. The data analysis technique used is descriptive statistical method and panel data regression analysis (Eviews). The sample in this study was conducted on banking companies listed on the Indonesia Stock Exchange by implementing the Green Banking financing concept in Indonesia for 5 periods, namely 2019 - 2023. The results of this study indicate that the implementation of green banking, capital adequacy ratio, non-performing loans, operating expenses to operating income (BOPO), loan to deposit ratio and total assets have a significant effect on return on assets. Green banking practice has a positive effect on bank financial performance. Non-performing loans have a negative effect on return on assets. Operating expenses to operating income (BOPO) have a negative effect on return on assets. Liquidity (LDR) has a positive effect on return on assets. Cost efficiency ratio has a negative effect on bank financial performance. Bank size can moderate green banking on return on assets. Company size can moderate CAR. Company size cannot moderate NPL. Company size cannot moderate the operational efficiency ratio (BOPO).
EARNED VALUE ANALYSIS METHOD AS A COST AND TIME PERFORMANCE ANALYSIS (Case Study LAU SIMEME DAM Construction Project KSO Between PT. Wijaya Karya Persero.Tbk and PT. Bumi Karsa) Denny Irawan; Isfenti Sadalia; Iskandar Muda
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 3 No. 2 (2023): March
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijerlas.v3i2.769

Abstract

Project construction is a series of activities that must be completed in accordance with a project contract and also at a pre-agreed cost. The important point for project completion is the accuracy in accordance with the estimate, the use of costs according to the budget while maintaining quality. However, project implementation often encountered obstacles so that the completion time stalled. The impact of late completion of this project is not only in terms of time, but has an impact on the use of costs which ultimately erodes the profit margin of a project. This is what is being faced in the Lau Simeme Dam Development Project which is an Operational Cooperation (KSO) between PT Wijaya Karya (Persero) and PT Bumi Karsa. This project costs Rp. 733 billion which began on December 22, 2017 and is estimated to be completed on April 7, 2022. The research data was taken as of December 2020, where according to the plan the project should have been completed 52.90%, but in fact it was only 13.92% completed. Based on this phenomenon, researchers conducted a research in order to solve the problem of delays and budget waste using the Earned Value Analysis approach. The results showed that there was a delay in project construction resulting in a setback in project completion with an estimated addition ( Estimated Completion Date) of 1,294 days. Due to the delay in project completion, there was an additional cost of 1.760 billion or in other words, the project cost was Rp. 665 billion while the RAB is only 663 billion. This cut the previously planned margin of 70.051 billion to 68.290 billion. In order to overcome delays in project completion, it can be done by holding work shifts,
ANALYSIS OF THE FINANCIAL HEALTH OF RURAL CREDIT BANKS BEFORE AND DURING THE COVID-19 PANDEMIC (Case Study of the Implementation of Financial Risk Management at Bank Perkreditan Rakyat Nusantara Bona Pasogit 20) Jona Sitepu; Nisrul Irawati; Isfenti Sadalia
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 3 No. 3 (2023): May
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijerlas.v3i3.804

Abstract

The Covid-19 pandemic has impacted the business industry, especially the banking sector. This study aims to analyze the financial health of Rural Banks before and during the Covid-19 pandemic. Another objective of this research is to describe the implementation of risk management during the COVID-19 pandemic. The object of this research is the Bank Perkreditan Rakyat Nusantara Bona Pasogit 20 (BPR NBP 20). This research method is quantitative by comparing the financial health proxied by non-performing loans, return on assets, operating expenses to operating income, cash ratio and loan to deposit ratio. Qualitative research methods describe the implementation of risk management during the Covid-19 pandemic. The results showed that there were statistical differences in financial performance statistics before and during the Covid-19 pandemic period for financial performance as measured by non-performing loans, return on assets, cash ratio and loan to deposit ratio, and there were no statistical differences for financial performance as measured by operating expenses to operating income. The results of research on the implementation of risk management in the first semester of the Covid-19 pandemic period were in adequate condition, and BPR NBP 20 regularly reported the results of risk assessments to the Financial Services Authority (OJK).
COMPARISON ANALYSIS OF OPTIMAL PORTFOLIO PERFORMANCE ESTABLISHED FROM LQ45 INDEX STOCK WITH MANDIRI MUTUAL MUTUAL FUNDS PORTFOLIO INVESTA EQUITY ASEAN 5 PLUS Ahmad Fuady Hasibuan; Isfenti Sadalia; Khaira Amalia Fachrudin
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 3 No. 2 (2023): March
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijerlas.v3i2.1050

Abstract

The increase in the number of investors becomes a huge potential to increase the capacity of the capital market. Among the instruments of investment in the stock market, shares are the most frequently traded. The participation of local investors in investing in the capital market cannot be separated from the expectations of profit or return that can be obtained as well as the risks attached to investment instruments. Risks in stock investments can be minimized by reducing them to a minimal point through the process of diversifying stocks by forming a portfolio. This type of research is descriptive research with a quantitative approach. The stock candidate population used in the formation of the Optimal Portfolio is all of the shares classified into the LQ45 Index. While the sample of stock candidates included in the portfolio formation is 41 stocks with purposive sampling technique. The type of data used is secondary data with data collection techniques documentation. In forming the portfolio used the single index model and constant correlation model. While to measure the performance portfolio used measurement scales Sharpe Index, Treynor Index and Jensen Alpha. Based on the performance measures of the Sharpe Index, Treynor Index and Jensen Alpha, the portfolio formed from LQ45 shares using a single index model has lower performance than the portfolio performance formed from LQ45 stock by using a constant correlation model. Based on the Treynor Index performance measure, the portfolio formed from LQ45 stock using a single index model has higher performance than the Mandiri Investa Equity Asean 5 Plus portfolio.
Co-Authors ABDUL RAUF Ahmad Fuady Hasibuan Amir, Afriza Amlys Syahputra Silalahi Angella Tiosanna Anindityo Aryo Saloko Arsyadanal Haq Imanda Aslam Rayuda Chairul Muluk Darman Nababan Denny Irawan Dina Hastalona Eka Yulinda Prasetyowati Fadlan Alkindi Fahri Putra Hafira Fran’s Gidion Sinuhaji Hanna Widya Queentana Iskandar Muda Ismi Izzati Jane Melita Keliat Jepri Wandes Nababan Jona Sitepu Keulana Erwin Khaira Amalia Fachruddin Khaira Amalia Fachrudin LINDAWATI Mahatir Muhammad Marta KN Pasaribu Muhammad Iqbal Harahap Muhammad Ras Muis Muhammad Rizky Nasution Nababan, Boy Chandra Nana Gustiana Nazaruddin Nisrul Irawati Nurlisa Borliani Siregar Nurul Adelia Prasetya, Muhammad Dimas Prihatin Lumbanraja Rulianda Wibowo Sukaria Sinulingga Syahyunan Tika Denisa Simanjuntak Tri Pamungkas, Ferdy Yasmin Chairunnisa Muchtar yeni absah Yeni Absah Yoko Mashonia Panjaitan Yolanda, Triyana