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All Journal Business Management Analysis Journal (BMAJ) Journal of Economics and Public Health
Elfaz, Maulanisa Arifa
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Economics, Econometrics & Finance Education Public Health

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Comparative Analysis of Company Profitability in the Financial Sector Before and During the Covid-19 Pandemic Elfaz, Maulanisa Arifa; Hayya, Najwa Khairina; Aulia, I'anatul; Jufri, Achmad; Darmawan, Darmawan
Journal of Economics and Public Health Vol 1 No 4 (2022): Journal of Economics and Public Health: December 2022
Publisher : Global Health Science Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37287/jeph.v1i4.1353

Abstract

This study aims to find out how the level of profitability of a company by using the ratio of ROA (Return on Assets), ROE (Return on Equity), and NPM (Net Profit Margin) in the financial sector. This study uses a quantitative descriptive research method. The type of data in this study is secondary data taken from the financial statements of PT BFI Finance Indonesia Tbk. and PT Bank Pan Indonesia Tbk. over an eleven year period. The data collection technique used for recording is data obtained from the financial statements of PT. Bank Pan Indonesia Tbk. and PT BFI Finance Indonesia Tbk. in the form of a balance sheet and income statement for 2011-2021. The results of the research based on the analysis of the profitability of the two companies in the financial sector show that ROA fluctuated from 2011 - 2021. The results of the calculations show that the ratio of profitability of NPM and ROA of PT. BFI Finance Indonesia Tbk. better than PT. Bank Pan Indonesia Tbk, meaning PT. BFI Finance Indonesia Tbk., is more effective and efficient in managing costs in the sales process, thus obtaining a higher net profit from sales. While the ROE ratio of PT. Bank Pan Indonesia Tbk. better than PT. BFI Finance Indonesia Tbk. NPM and ROA profitability ratios at PT. Bank Pan Indonesia Tbk. still under PT. BFI Finance Indonesia Tbk. This shows that the company's performance is not good based on its profitability ratio. It can be concluded that PT BFI Finance Indonesia Tbk is a better company than PT Bank Pan Indonesia Tbk based on the calculation of the probability ratio.
DETERMINANTS OF INVESTMENT DECISIONS OF YOUNG ENTREPRENEURS IN KUDUS DISTRICT THROUGH ONLINE SHARIA MUTUAL FUNDS ELFAZ, MAULANISA ARIFA; PRAJASARI, ANNIZA CITRA
Business Management Analysis Journal (BMAJ) Vol 8, No 1 (2025): Business Managament Analysis Journal (BMAJ)
Publisher : Universitas Muria Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24176/bmaj.v8i1.12812

Abstract

The research aims to examine the influence of perceived ease of use, perceived benefits, and perceived risk on the investment decisions of young entrepreneurs in Kudus Regency through online sharia Sharia mutual funds, with digital literacy and sharia Sharia financial literacy as moderating variables. The sample consisted of 143 young entrepreneurs who had invested in online Sharia mutual funds. This research uses quantitative methods to test pathways. The research results show that perceived ease of use, perceived benefits, and perceived risk positively and significantly influence young entrepreneurs' investment decisions in Kudus Regency. However, digital literacy does not moderate the influence of perceived ease of use on investment decisions. On the other hand, Islamic financial literacy weakens the relationship between risk perception and investment decisions. Limitations of this study include the focus on a specific demographic and geographic region, which suggests that future research could explore different populations or regions to increase generalizability.
Co-Authors Aulia, I'anatul Darmawan Darmawan Hayya, Najwa Khairina Jufri, Achmad Prajasari, Anniza Citra