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Pengaruh CAR, NPL, dan LDR Terhadap ROE Pada Perusahaan Perbankan Yang Terdaftar di BEI Tahun 2023 Satriandi , Meiludin Putra; Yulia, Iis Anisa; Pranamulia, Agus
Jurnal EMT KITA Vol 8 No 4 (2024): OCTOBER 2024
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET) - Lembaga KITA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/emt.v8i4.2940

Abstract

This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL), and Loan to Deposit Ratio (LDR) on Return on Equity (ROE) in banking companies listed on the Indonesia Stock Exchange (IDX) in 2023. The sample consists of 19 banking companies selected based on specific criteria using purposive sampling, a method categorized under non-probability sampling. Hypothesis testing was conducted using multiple linear regression analysis. The results indicate that CAR and NPL have a significant partial effect on ROE, while LDR has no significant effect on ROE. The F-test results show that CAR, NPL, and LDR collectively have a significant effect on ROE.
Digital Marketing Assistance in Efforts to Develop a Benteng Tourism Village Mutmainah, Isbandriyati; Anisa Yulia, Iis; Agus Sasongko, Dwi; Fitriani, Anna; Solihin, Lalu; Pranamulia, Agus; Zaid Mahfudi, Ahmad; Rachmanu Widjaja, Ichwan
J-Dinamika : Jurnal Pengabdian Masyarakat Vol 8 No 3 (2023): Desember
Publisher : Politeknik Negeri Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Desa Wisata Benteng yang berlokasi di Kabupaten Bogor memiliki potensi untuk lebih berkembang. Dan seiring dengan bertumbuhnya desa wisata lain di Kabupaten Bogor, para pengelola harus memiliki literasi dan media pemasaran digital yang memadai agar mampu menjangkau pasar yang lebih luas. Namun para pengelola dan masyarakat di Desa Wisata Benteng masih memiliki keterbatasan literasi dan media pemasaran digital. Berangkat dari kondisi tersebut, tim pengabdian masyarakat Universitas Nusa Bangsa mengadakan pendampingan bagi pengelola Desa Wisata Benteng dengan tiga kegiatan yaitu sosialisasi sadar wisata dan pelatihan pemasaran digital, pembuatan banner, video promosi, dan website resmi desa wisata. Hasil pengabdian ini para pengelola memiliki literasi dan media pemasaran digital yang memadai sehingga dapat memasarkan destinasi dan produk unggulan desa wisata dengan jangkauan yang lebih luas dan lebih memudah memperbaharui informasi tentang desa wisata yang dapat diakses oleh masyarakat, sehingga diharapkan akan meningkatkan jumlah wisatawan dan ekonomi masyarakat Desa Wisata Benteng.
The Effect of Price Perception and Product Quality on Shoe Purchasing Decisions: A Case Study of PT Yonshoes Products Consumers Lipandi, Muhammad Ikbal; Pranamulia, Agus; Putra, Mulyana Gustira
Jurnal Ilmiah Manajemen Kesatuan Vol. 12 No. 4 (2024): JIMKES Edisi Juli 2024
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v12i4.1814

Abstract

This research was conducted with the aim of analyzing the influence of perceived price and quality of shoe products on purchasing decisions at PT Yonshoes. This research uses quantitative methods. The type of data used in this research is primary data. Primary data was obtained based on distributing questionnaires to 100 respondents. Data were analyzed using multiple linear regression analysis techniques.   Keywords: Price perception, Product quality, Buying decision
Pelatihan Literasi Digital Bagi Guru di Pondok Pesantren Al-Marjan Mulabaru Lebak Banten Mutmainah, Isbandriyati; Yulia, Iis Anisa; Susanto, Heri; Rumna; Pranamulia, Agus; Fitrianti, Dewi; Putra, Mulyana Gustira; Arifien, Yunus; Maad, Faizal; Fitriani, Anna; Solihin, Lalu; Marnilin, Feni; Sukayat, Harmoko; Widjaja, Ichwan Rachmanu; Wahidhani, Eha Hasni; Rusman, Hedar; Irawan, Rahmat; Mahfudi, Ahmad Zaid
AJAD : Jurnal Pengabdian kepada Masyarakat Vol. 4 No. 3 (2024): DECEMBER 2024
Publisher : Divisi Riset, Lembaga Mitra Solusi Teknologi Informasi (L-MSTI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59431/ajad.v4i3.411

Abstract

Islamic boarding schools as Islamic educational institutions in Indonesia have an important role in producing a young generation with noble character, religious knowledge and ready to face the challenges of the times. Islamic boarding schools must quickly respond positively and adapt to changes that occur. Islamic boarding schools as educational institutions currently need to prepare teachers who are competent in accordance with the needs of the times. Digital literacy is one of the competencies that is quite important in meeting the knowledge needs of students.  Digital literacy training is carried out to prepare teachers who are in line with educational needs in the era of industrial revolution 4.0 but cannot be separated from the teachings of the Islamic religion. With good digital literacy, teachers at Islamic boarding schools can access wider and more up-to-date information, increase the effectiveness of teaching and learning, and utilize digital media for learning activities, da'wah and spreading Islamic values. Therefore, digital literacy training is needed for teachers at the Al-Marjan Mulabaru Islamic Boarding School, Lebak Banten. The aim of this community service activity is to increase the knowledge and skills capacity of teachers at the Al-Marjan Mulabaru Islamic Boarding School in Lebak Banten regarding digital literacy. The result of this activity is that teachers at the Al-Marjan Mulabaru Islamic Boarding School in Lebak Banten are able to understand digital literacy and show that teachers are able to have basic skills in using computers and the internet. The success of this training shows that teachers have high interest in digital literacy in Islamic boarding schools.
Analisis Kinerja Investasi Reksadana Saham Menggunakan Metode Sharpe, Treynor, dan Jensen (Studi Kasus Pada Reksadana Saham Yang Terdaftar di Otoritas Jasa Keuangan Tahun 2023) Sidik, Yuliani Fajar; Yulia, Iis Anisa; Pranamulia, Agus
Jurnal EMT KITA Vol 9 No 2 (2025): APRIL 2025
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET) - Lembaga KITA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/emt.v9i2.3093

Abstract

This study investigates the performance of equity mutual funds in Indonesia using three performance evaluation techniques, namely the Sharpe Index, Treynor Index, and Jensen's Alpha Index. Equity mutual funds are chosen because, in the world of investment instruments, they have the potential for maximum returns for investors. However, this instrument is also associated with quite high risks, so an accurate performance evaluation is needed to guide investors in making better investment choices. The data set in this study is the daily net asset value (NAV) of several selected equity mutual funds for a certain period. IHSG (Composite Stock Price Index) as a benchmark for market performance. The Sharpe Index is used to measure returns on total risk, the Treynor Index measures return on systematic risk and the Jensen Alpha Index is used to examine whether fund managers can generate additional returns compared to the market. The study was conducted on equity mutual funds that were identified as performing well. However, there are also mutual funds whose returns lag the market benchmark. These findings provide investors with an understanding of the relative performance of equity mutual funds and the need to have selection criteria when choosing these funds
Analisis Kinerja Investasi Reksadana Saham Menggunakan Metode Sharpe, Treynor, dan Jensen (Studi Kasus Pada Reksadana Saham Yang Terdaftar di Otoritas Jasa Keuangan Tahun 2023) Sidik, Yuliani Fajar; Yulia, Iis Anisa; Pranamulia, Agus
Jurnal EMT KITA Vol 9 No 2 (2025): APRIL 2025
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET) - Lembaga KITA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/emt.v9i2.3093

Abstract

This study investigates the performance of equity mutual funds in Indonesia using three performance evaluation techniques, namely the Sharpe Index, Treynor Index, and Jensen's Alpha Index. Equity mutual funds are chosen because, in the world of investment instruments, they have the potential for maximum returns for investors. However, this instrument is also associated with quite high risks, so an accurate performance evaluation is needed to guide investors in making better investment choices. The data set in this study is the daily net asset value (NAV) of several selected equity mutual funds for a certain period. IHSG (Composite Stock Price Index) as a benchmark for market performance. The Sharpe Index is used to measure returns on total risk, the Treynor Index measures return on systematic risk and the Jensen Alpha Index is used to examine whether fund managers can generate additional returns compared to the market. The study was conducted on equity mutual funds that were identified as performing well. However, there are also mutual funds whose returns lag the market benchmark. These findings provide investors with an understanding of the relative performance of equity mutual funds and the need to have selection criteria when choosing these funds
Pengaruh Budaya Kerja dan Disiplin Kerja Terhadap Kinerja Pegawai Koperasi BMT Binaul Ummah Rafianti, Asti; Pranamulia, Agus; Fitrianti, Dewi
Jurnal EMT KITA Vol 9 No 2 (2025): APRIL 2025
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET) - Lembaga KITA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/emt.v9i2.3797

Abstract

This study aims to determine the effect of Work Culture and Work Discipline on the Performance of BMT Binaul Ummah Cooperative Employees. The sample used in this study were all 25 BMT Binaul Ummah Cooperative employees located in Bogor City. The method used is multiple linear regression analysis to test the hypothesis. The results of the study indicate that employee work culture and employee work discipline have a significant effect on the performance of BMT Binaul Ummah Cooperative employees, both partially and simultaneously. Of the two independent variables, the work discipline variable has the most dominant effect on employee performance. Employee work culture explains 48% of the variation in employee performance, while work discipline explains 56% of the variation in employee performance. The F test shows that simultaneously, Work Culture and Work Discipline affect Employee Performance with an F value of 14.72 and a significance of p <0.01. The t test shows that the Work Discipline variable has the most dominant effect on employee performance with a t value of 3.98 and a significance of p <0.05. Thus, this study emphasizes the importance of a positive work culture and high work discipline in improving employee performance at the BMT Binaul Ummah Cooperative.
Edukasi Literasi Keuangan bagi Santri di Pesantren Al-Marjan Mulabaru Lebak Banten Yulia, Iis Anisa; Mutmainah, Isbandriyati; Susanto, Heri; Dewi Fitrianti; Rumna, Rumna; Pranamulia, Agus; Putra, Mulyana Gustira; Fitriani, Anna; Arifien, Yunus; Solihin, Lalu; Maad, Faizal; Marnilin, Feni; Rusman, Hedar; Wahidhani, Eha Hasni; Widjaja, Ichwan Rachmanu; Sukayat, Harmoko; Irawan, Rahmat; Mahfudi, Ahmad Zaid; anisa yulia, iis
AJAD : Jurnal Pengabdian kepada Masyarakat Vol. 5 No. 3 (2025): DECEMBER 2025
Publisher : Divisi Riset, Lembaga Mitra Solusi Teknologi Informasi (L-MSTI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59431/ajad.v5i3.672

Abstract

The Community Service Program (PkM) was implemented at Al-Marjan Mulabaru Islamic Boarding School, Lebak, Banten, to strengthen students’ financial literacy. Key challenges identified include low baseline financial knowledge, limited access to financing for pesantren-based enterprises, and insufficient infrastructure and technology (notably internet access and fintech tools) to support financial information and services. The program involved needs assessment, material development, face-to-face training, discussion, and evaluation using pre- and post-tests. Results show an increase in understanding from 43% (pre-test) to 92% (post-test), a gain of 49 percentage points. These findings indicate that the training content and delivery were effective in improving basic skills in budgeting and money management. Participants were highly engaged during the sessions, reflected in active discussions and question-and-answer activities.
Pengaruh CAR, NIM, dan BOPO terhadap ROA pada Perusahaan Perbankan yang Terdaftar di BEI Tahun 2024 Pratama, Muhammad Aliff; Susanto, Heri; Pranamulia, Agus
Jurnal EMT KITA Vol 10 No 2 (2026): APRIL 2026
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET) - Lembaga KITA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/emt.v10i2.5908

Abstract

This study analyzes the effect of Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), and Operational Efficiency Ratio (BOPO) on Return on Assets (ROA) in 36 banks listed on the Indonesia Stock Exchange (IDX) in 2024. The analysis was conducted using multiple linear regression, including a simple robustness test through winsorizing to reduce the influence of outliers. The results show that BOPO has a significant negative effect on ROA in both the original model (β = –0.086; p < 0.001) and winsorized data (β = –0.090; p = 0.000), while NIM has a significant positive effect in the original model (β = 0.096; p = 0.031) but is not significant after winsorizing (β = 0.075; p = 0.070), and CAR has no significant effect in both models. Simultaneously, all three independent variables influenced ROA (F = 87.036; p < 0.001). The regression model explained 89.1% of the variation in ROA in the initial model and 91.0% after winsorizing, confirming the stability of the results. These findings emphasize that bank profitability is significantly influenced by operational efficiency and net interest margin management, while capital adequacy does not contribute significantly. Robustness tests confirmed the validity of the model, showing that conclusions remained consistent even when the data was smoothed to remove outliers.