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All Journal Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Jurnal Manajemen Bisnis Krisnadwipayana Jurnal Ilmiah Plano Krisna
Irma Citarayani
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Humanities Earth & Planetary Sciences Economics, Econometrics & Finance Environmental Science Social Sciences

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PERBANDINGAN KINERJA KEUANGAN BANK UMUM SYARIAH DAN BANK UMUM KONVENSIONAL Irma Citarayani; Deddy Syaputra
Jurnal Manajemen Bisnis Krisnadwipayana Vol 7, No 3 (2019): JURNAL MANAJEMEN BISNIS KRISNADWIPAYANA
Publisher : Program Studi Magister Manajemen Universitas Krisnadwipayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35137/jmbk.v7i3.350

Abstract

The objective of this research is to make a comparison of  the finance performance between Islamic Commercial Banks and Conventional Commercial Banks in Indonesia in the period 2013-2017 by using financial ratios. Financial ratios are used consisting of FDR/ LDR, ROA, CAR, BOPO and NOM/NIM. The data used in this research was obtained from the Financial Statements of Commercial Banks in 2013 to 2017, published by each Bank concerned. The sample in this research are 5 (five) Islamic Commercial Banks (Muamalat, Bank Syariah Mandiri, BNI Syariah, BCA Syariah dan BRI Syariah.), and 5 (five) Conventional Commercial Banks (BCA, BRI, BNI, Mandiri, dan Panin). Analytical techniques is used to see the comparison of financial performance of Islamic Commercial Banks with Conventional Commercial Bank.  The analysis ratio also used by operating  Microsoft Office Excel 2007, The analysis statistic descriptive and analysis of independent sample t-test is used by operating software SPSS 24. The analysis result showed that there are significant differences for each financial ratio between Islamic Commercial Banks and Conventional Commercial Banks in Indonesia. Islamic Commercial Banks has better performance in terms of FDR/ LDR ratio, while the Conventional Commercial Banks better performance in terms of the ROA, CAR, NOM/ NIM, and BOPO ratios.
DOES HEALTH AND EDUCATION AFFECT REGIONAL INEQUALITY IN WEST JAVA Dian Anggraeny Rahim; Irma Citarayani
Jurnal Ilmiah Plano Krisna Vol 19 No 2 (2023): Jurnal Ilmiah Plano Krisna Vol.19 No. 2, Desember 2023
Publisher : Fakultas Teknik Universitas Krisnadwipayana

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Abstract

Sustainable development not only aims to increase people's incomes but also to improve people's welfare and reduce regional inequality. To realize this, the West Java regional government has several policies, including improving education and providing easy access to health care for the community. This study aims to determine the influence of these two variables on regional inequality, with GDP per capita as a moderation variable. Using the SEM-PLS analysis tool and data for 2015–2023, the results of this study show that education and health directly or indirectly have a positive influence on GDP per capita. For regional inequality, both variables have a negative influence.
PERAN CAPITAL ADEQUACY RATIO (CAR), NON PERFORMING FINANCING RATIO (NPF), DAN FINANCING TO DEPOSIT RATIO (FDR) TERHADAP PROFITABILITAS PERBANKAN SYARIAH DI INDONESIA PERIODE 2015-2020: (Studi Pada Perbankan Umum Syariah Yang Terdaftar Di Bursa Efek Indonesia Periode 2015-2020) Sifa Khoirun Agustin; Irma Citarayani
Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Vol. 4 No. Spesial Issue 3 (2022): Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan
Publisher : Departement Of Accounting, Indonesian Cooperative Institute, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (560.126 KB) | DOI: 10.32670/fairvalue.v4iSpesial Issue 3.1170

Abstract

This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Non Performing Financing Ratio (NPF), and Financing to Deposit Ratio (FDR) on Sharia Banking profitability (Return On Assets) for the 2015-2020 period. The research method used in this research is quantitative research. This quantitative method is used to answer research problems related to numerical data and statistical programs. The data analysis method used in this research is multiple linear regression analysis with classical assumption test and hypothesis testing through SPSS 24. From the results of the coefficient of determination test or R Square, the value is 0.772 or means that the independent variable affects the dependent variable by 77% while the other 33% influenced by other variables. The results of the t test show that the Capital Adequacy Ratio (CAR) and Financing to Deposit Ratio (FDR) have a negative and significant effect on the company's profitability (Return On Assets) while the Non-Performing Financing Ratio has no effect on the company's profitability (Return On Assets). Based on the F test, it is concluded that the variables of Capital Adequacy Ratio (CAR), Non Performing Financing Ratio (NPF), and Financing to Deposit Ratio (FDR) simultaneously affect the profitability (Return On Assets) of Sharia Banking companies.
Co-Authors Deddy Syaputra Dian Anggraeny Rahim Sifa Khoirun Agustin