Claim Missing Document
Check
Articles

Improving Children’s Social Interaction Through Group Work Method in Group B of Gunung Bale State Kindergarten Anggraeni, Anggraeni; Agusniatih, Andi; Amrullah, Amrullah; Zuama, Shofiyanti Nur
Ceria: Jurnal Program Studi Pendidikan Anak Usia Dini Vol 14, No 3 (2025): (On Progress) Ceria Jurnal Pendidikan Anak Usia Dini
Publisher : Fakultas Keguruan dan Ilmu Pendidikan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/ceria.v14i3.14877

Abstract

This study aimed to improve children’s social interactions through the application of the group work method in Group B of Gunung Bale State Kindergarten, Donggala. Conducted in July 2025, the research involved 15 children—7 boys and 8 girls—and employed a classroom action research design consisting of four stages: planning, action, observation, and reflection. The research process was divided into three phases: pre-action, Cycle I, and Cycle II, to observe the extent of change in children’s social interaction skills. The observed aspects included helping each other, cooperation, understanding conversations, and communication. The results revealed a significant improvement from the pre-action stage to Cycle II. The percentage of children categorized as “Very Well Developed” increased from 23.33% in Cycle I to 45.00% in Cycle II, while those in the “Not Yet Developed” category decreased from 35.00% to 3.33%. These findings demonstrate that the group work method effectively enhances children’s social interaction skills and serves as an alternative learning strategy in early childhood education.
BI Rate as Moderator: Internal Bank Factors and Profitability in Indonesian Banks Sonandi, Alfius; Anggraeni, Anggraeni
JOURNAL OF MANAGEMENT, ACCOUNTING, GENERAL FINANCE AND INTERNATIONAL ECONOMIC ISSUES Vol. 5 No. 1 (2025): DECEMBER
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/marginal.v5i1.1995

Abstract

The banking sector drives Indonesia's economic stability, but profitability depends on internal management and external conditions, especially monetary policy shifts. During 2019–2023, Indonesia's BI Rate fluctuated dramatically. This study examines profitability drivers in publicly listed Indonesian banks under these changing conditions. Using Return on Assets (ROA) as the performance measure, it analyzes how Net Interest Margin (NIM), Operational Expense Ratio (BOPO), Non-Performing Loans (NPL), Loan to Deposit Ratio (LDR), and Loan to Asset Ratio (LAR) affect profitability. Panel data from seven banks were analyzed using multiple linear regression models, with one incorporating the BI Rate as a moderating variable. Results show NIM and LDR significantly boost ROA, while BOPO significantly reduces it, emphasizing the importance of interest income efficiency and cost control. NPL and LAR show no significant effect, indicating effective risk and asset management. The BI Rate's moderating effect on the NIM–ROA relationship is statistically insignificant, suggesting monetary policy changes don't substantially alter this relationship. These findings guide banks in optimizing income and costs while showing policymakers the limited role of monetary policy in moderating bank-level performance.
Determinants of Profitability in Rural Banking: An Empirical Study of Malang Raya’s BPR Agustina, Yohana; Anggraeni, Anggraeni
MediaTrend Vol 20, No 2 (2025): OKTOBER
Publisher : Trunojoyo University of Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/mediatrend.v20i2.32608

Abstract

This study aims to analyze the factors influencing the profitability of Rural Banks (BPR) in the Malang Raya region and to examine the moderating role of gender diversity on the board of directors in the relationship between credit risk and profitability. This research employs a quantitative, causal approach using secondary data from the financial reports of 21 rural banks from 2019 to 2023, resulting in 125 observations. The dependent variable is profitability, measured by Return on Assets (ROA), while the independent variables include Credit Risk (Non-Performing Loan/NPL), Operational Efficiency (BOPO), Liquidity (Cash Ratio/CR), Loan to Asset Ratio (LAR), and Bank Size. The analysis was conducted using multiple linear regression with SPSS Version 27. The results indicate that NPL, BOPO, and Bank Size have a significant negative effect on ROA. Conversely, CR and LAR show a significant positive effect on ROA. The F-test confirms that the independent variables collectively have a significant impact on profitability, with the model explaining 92.4% of the variance in ROA. However, the study finds that gender diversity on the board of directors does not significantly moderate the negative relationship between NPL and ROA. These findings provide practical insights for rural bank management and policymakers, emphasizing the critical importance of credit risk management, operational efficiency, and strategic asset allocation for enhancing financial performance.
EFEKTIFITAS KUALITAS LAYANAN DAN KEPUASAN BAGI NASABAH BANK PADA MASA PANDEMI Anggraeni, Anggraeni; Anggoda, Talia Angelin
Jurnal Ilmiah Manajemen dan Bisnis (JIMBis) Vol 1 No 3 (2022): November
Publisher : Sekolah Tinggi Ilmu Ekonomi Indonesia (STIESIA) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24034/jimbis.v1i3.5468

Abstract

Penelitian ini bertujuan untuk melakukan pengamatan terhadap kualitas layanan Bank Central Asia di Sidoarjo yang berkaitan dengan efektifitas dari kualitas layanan terhadap nasabah selama periode pandemi. Data penelitian diperoleh melalui kuesioner yang dibagikan kepada nasabah dan telah diisi oleh sebanyak empat puluh lima responden dengan memberikan skala terendah satu sampai dengan skala tertinggi lima. Hasil penelitian diskriptive ini menyatakan bahwa aspek kualitas pelayanan yang diberikan melalui unsur-unsur diantaranya tangible, reability, responsiveness, assurance dan emphaty yang diberikan oleh responden kepada kualitas layanan dari Bank Central Asia Sidoarjo selama masa pandemi Covid 19 sangat memuaskan dengan skor rata-rata di atas empat untuk keempat indikator di atas. Skor tertinggi ada pada layanan fisik dan emphaty dengan skor 4.67.  Implikasi dari studi ini adalah bahwa kualitas layanan yang memuaskan dapat meningkatkan citra bank dengan cara meningkatkan kualitas pelayanan yang efektif serta memberikan fasilitas yang terjamin di masa pendemi dengan cara tetap menerapkan protokol kesehatan dan kenyamanan dalam bertransaksi.
Peningkatan Keterampilan Kepemimpinan dan Manajemen Anggota DWP melalui Pelatihan Capacity Building setia, Shinta; Anggraeni, Anggraeni; Sutarso, Yudi; Rachmat, Basuki; Purnamasari, Linda
CARADDE: Jurnal Pengabdian Kepada Masyarakat Vol. 8 No. 2 (2025): Desember
Publisher : Ilin Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31960/caradde.v8i2.3079

Abstract

Pengabdian kepada masyarakat ini bertujuan untuk meningkatkan kemampuan kepemimpinan dan manajemen organisasi bagi anggota Dharma Wanita Persatuan (DWP) Kota Surabaya melalui pelatihan peningkatan kapasitas. Pelatihan ini dirancang untuk membekali anggota DWP dengan pengetahuan dan keterampilan praktis dalam merumuskan visi dan misi, berkomunikasi secara efektif, memotivasi anggota, mengambil keputusan, mengelola konflik, merencanakan dan mengorganisasikan kegiatan, mengelola keuangan organisasi, dan memanfaatkan teknologi dalam administrasi. Metode kegiatan yang meliputi 1) sesi interaktif, 2) diskusi kelompok, dan 3) pemberian tugas kelompok. Kegiatan pengabdian kepada masyarakat ini dilakukan dalam beberapa tahap, mulai dari 1) analisis kebutuhan, 2) penyusunan kurikulum, 4) pelaksanaan pelatihan, hingga 5) evaluasi. Dengan peserta sebanyak 47 orang dari  para ibu Dharma Wanita Persatuan (DWP) Pemerintah Kota Surabaya. Hasil dari kegiatan ini dapat disumpulkan bahwa program pelatihan kepemimpinan dan manajemen organisasi ini telah terbukti efektif sebagai instrumen strategis untuk meningkatkan kapasitas individual anggota DWP Kota Surabaya. Peningkatan kompetensi ini tidak hanya bersifat teoretis, tetapi juga termanifestasi secara praktis dalam perbaikan proses perencanaan dan kualitas program kerja, yang secara langsung berkontribusi pada pencapaian visi dan misi organisasi.
THE INFLUENCE OF INTERNAL BANK VARIABLES ON PROFITABILITY WITH THE BI RATE AS A MODERATING VARIABLE Gunawan, Ferry Anggriawan; Anggraeni, Anggraeni
JURNAL EMA (Ekonomi Manajemen Akuntansi) Vol 10 No 2 (2025): DESEMBER
Publisher : Universitas Merdeka Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51213/ema.v10i2.680

Abstract

This study examines the effect of internal variables on the profitability of conventional banks in Indonesia, with the Bank Indonesia (BI) Rate as a moderating variable. Profitability is measured using Return on Assets (ROA), while internal factors include credit risk (Non-Performing Loans/NPL), operational inefficiency (BOPO), credit distribution (Loan to Deposit Ratio/LDR and Loan to Asset Ratio/LAR), and bank size (SIZE). The BI Rate is investigated as a potential moderator in the relationship between NPL and ROA. The research employs a quantitative explanatory approach using secondary panel data from seven conventional banks categorized as KBMI 3, listed on the Indonesia Stock Exchange for the period 2019–2023. Data were collected from official sources, including the Financial Services Authority (OJK), Bank Indonesia, and the Indonesian Central Bureau of Statistics (BPS). Multiple regression analysis, both with and without moderation, was conducted to assess the direct effects of internal variables on profitability and the moderating role of BI Rate. The results indicate that credit risk and operational inefficiency negatively affect bank profitability, whereas optimal credit distribution positively impacts ROA. Bank size shows a negative effect on profitability, suggesting that asset expansion without effective cost control and risk management can reduce performance. The BI Rate, however, does not significantly moderate the relationship between NPL and ROA, implying that internal factors, particularly credit risk management and operational efficiency, play a more dominant role in determining profitability for large-scale banks. Overall, this study highlights the importance of robust internal management practices over external monetary policy in maintaining sustainable profitability. The findings provide insights for bank management, investors, and regulators in enhancing financial performance while mitigating credit and operational risks.
PENGARUH GOOD CORPORATE GOVERNANCE (GCG), KUALITAS ASET DAN EFISIENSI TERHADAP PROFITABILITAS PADA BANK SYARIAH DI INDONESIA Anggraeni, Anggraeni; Giranti, Oktaviana
Jurnal Ilmiah Akuntansi dan Keuangan (JIAKu) Vol 2 No 3 (2023): Juli
Publisher : Sekolah Tinggi Ilmu Ekonomi Indonesia (STIESIA) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24034/jiaku.v2i3.6018

Abstract

Return on Assets (ROA) is one indicator to measure the company's ability to generate profits from all assets used. This study aims to determine the effect of total commissioners, the proportion of independent commissioners, government ownership, foreign ownership, NPF, BOPO and Size on ROA simultaneously and partially. This study uses secondary data from Islamic Commercial Banks, from 2010-2020. The sample of this study is eleven Islamic commercial banks that have been operating from 2010 to 2020. This study uses SPSS version 26. The results show that the total commissioners, the proportion of independent commissioners, government ownership, foreign ownership, NPF, BOPO and Size have a significant effect on ROA. Independent commissioners, government ownership and foreign ownership partially have a negative and insignificant effect on ROA. NPF and BOPO partially significant negative effect on ROA. Total commissioners and Size partially have a positive and not significant effect on ROA.
PENGARUH LEVERAGE, PROFITABILITAS, KEPEMILIKAN MANAJERIAL, DAN KEBIJAKAN DIVIDEN TERHADAP  NILAI PERUSAHAAN PADA PERUSAHAAN MANUFAKTUR DI BEI Hafizh, Hilmy Nur; Anggraeni, Anggraeni
Journal of Economic, Bussines and Accounting (COSTING) Vol. 9 No. 1 (2026): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/e48bmn75

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh leverage, profitabilitas, kepemilikan manajerial, dan kebijakan dividen terhadap nilai perusahaan pada perusahaan manufaktur yang terdaftar di Bursa Efek Indonesia (BEI) selama periode 2020–2024. Penelitian ini menggunakan pendekatan kuantitatif dengan jenis penelitian eksplanatif, karena berfokus pada pengujian hubungan sebab-akibat antarvariabel. Data yang digunakan merupakan data sekunder berupa laporan keuangan tahunan yang diperoleh dari situs resmi BEI. Sampel penelitian terdiri dari 25 perusahaan manufaktur yang dipilih menggunakan teknik purposive sampling berdasarkan kriteria tertentu, sehingga diperoleh data panel yang dianalisis secara komprehensif. Teknik analisis data yang digunakan meliputi analisis statistik deskriptif dan analisis inferensial dengan metode regresi linier berganda. Pengujian hipotesis dilakukan melalui uji signifikansi parsial (uji t) dan uji signifikansi simultan (uji F), serta koefisien determinasi (adjusted R²) untuk mengetahui kemampuan variabel independen dalam menjelaskan variabel dependen. Seluruh proses pengolahan dan analisis data dilakukan dengan bantuan perangkat lunak SPSS. Hasil penelitian menunjukkan bahwa leverage berpengaruh positif namun tidak signifikan terhadap nilai perusahaan, yang mengindikasikan bahwa penggunaan utang belum memberikan kontribusi yang berarti terhadap peningkatan nilai perusahaan. Profitabilitas berpengaruh positif dan signifikan terhadap nilai perusahaan, sehingga semakin tinggi kemampuan perusahaan dalam menghasilkan laba, semakin tinggi pula nilai perusahaan. Kepemilikan manajerial berpengaruh negatif dan signifikan terhadap nilai perusahaan, yang menunjukkan bahwa peningkatan kepemilikan saham oleh manajemen justru dapat menurunkan nilai perusahaan. Sementara itu, kebijakan dividen berpengaruh negatif dan tidak signifikan terhadap nilai perusahaan, sehingga belum menjadi faktor utama dalam penilaian investor
Profitability Determinants in Rural Banks: The Moderating Role of Ownership Baidury, Nyimas Nunin Anisah; Anggraeni, Anggraeni
TRANSEKONOMIKA: AKUNTANSI, BISNIS DAN KEUANGAN Vol. 5 No. 5 (2025): September 2025
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/transekonomika.v5i5.976

Abstract

The profitability of BPRs still faces serious challenges due to relatively low and fluctuating ROA performance compared to other banks. This raises the need to re-examine the financial factors and ownership structure that could potentially affect the performance of BPRs. This study investigates the factors affecting the profitability of rural banks (BPR) in Malang Raya and Pasuruan, Indonesia, with a focus on operational efficiency, credit risk, liquidity, bank size, and ownership structure. Using panel data from the Financial Services Authority (OJK), the study applies multiple linear regression to analyze 168 valid observations after data cleaning. The results reveal that operational efficiency (OER) and credit risk (NPL) negatively affect ROA, while larger bank size also reduces profitability. Liquidity, measured by Loan to Deposit Ratio (LDR) and Loan to Asset Ratio (LAR), does not significantly impact ROA. Furthermore, private ownership amplifies the negative effect of credit risk on profitability. These findings suggest that rural banks should focus on improving operational efficiency, managing credit risk more effectively, and addressing management inefficiencies, particularly in larger institutions. The study also highlights the importance of balancing profit maximization with robust risk management in privately owned banks. The implications of this research are valuable for policymakers and bank managers aiming to enhance financial performance and sustainability in the rural banking sector.
Co-Authors Abdullah, Made Dwi Abdullah, Made Dwi Agung Puji Haryanto Amalia, Eka Lailin Amri, Muhammad Faisal Lutfi Amrullah Amrullah Andi Agusniatih Anggoda, Talia Angelin Arrozain, M. Dziyaul F. Baidury, Nyimas Nunin Anisah Basuki Rachmat Burhanudin Malik Burhanudin Malik Cece Sumantri Chatarina Umbul Wahyuni Citra, Munica Ade damayanti, febi Darojah, Citra Iqliyah Dede Kardaya Deden Sudrajat Dewi Wahyuni Dian Yuni Pamuji Dyah Prasetiani Elis Dihansih Fauziyah, Zaenab fitrah, reza Furqoni, Muhammad Iqbal Giranti, Oktaviana Gunawan, Ferry Anggriawan Hafizh, Hilmy Nur Hanafi Nur harahap, finsa dwinanda Hidayatullah, Wildan Widya Ikhsan, Haerul Ilham, Al Indriyani MS, Eka Indriyani, Dwi Mei Indry Cahya Iriawati Iriawati Jahratul, Nada Juarsa, Akhmad Juni Isnanto Linda Purnamasari lukmana, candra lukmana, candra Madaniah, Anisa Mahirta Mahirta Mala Nurilmala Malik, Burhanudin Nandi, Febbi Julia Novi Sidroh Farida Nurindah, Nita Nurindah, Nita Pangestika, Sandra Dwi Paryanta, Paryanta Pramudita, Ratri Prayoga Nugraha, Prayoga Raden Mohamad Herdian Bhakti Rahmat, Nur ramdani, ilham ramdani, ilham Raprayogha, Rusdi Rina Rina Ristika Handarini rokhmania, nur'aini Rozi, Ahmad Fahrul Rozi, Ahmad Fahrul Rukmiasih Rukmiasih Sadiyah, Halimatul Sadiyah, Halimatul saeful amin, nandang saeful amin, nandang Sambu, Abdul Haris Sektiadi, Sektiadi Setia, Shinta Shabirah, Fauziyah Shofiyanti Nur Zuama Siahaan, Syailendra Syahputra Sihotang, Ellen Theresia sirad, La Ode Sonandi, Alfius Supriatman, Pepi Supriatman, Pepi Suryanah Suryanah Suryati Suryati Syahir, Sarfin Syawaluddin Soadiq, Syawaluddin T. Suryati Viona Oktavia Wahab, Nurhalisa Widiyantoro, Shena Wira Fadillah Suroso Yoga Yuniadi Yohana Agustina Yudi Sutarso