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Financial Inclusion dan Stabilitas Perbankan: Bukti Empiris Bank yang Terdaftar di BEI Rachmawati Rachmawati; Belliwati Kosim; Mister Candera
Lokawati : Jurnal Penelitian Manajemen dan Inovasi Riset Vol. 3 No. 3 (2025): Mei : Jurnal Penelitian Manajemen dan Inovasi Riset
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/lokawati.v3i3.1711

Abstract

To determine the effect of financial inclusion based on the number of savings accounts, the number of ATM machines, and the number of deposit accounts on bank stability in banking sector companies listed on the Indonesia Stock Exchange The data used is secondary data, with data collection techniques using the documentation method. The sample in this study used the purposive sampling method, namely 19 banking sector companies listed on the IDX in 2019-2023. The quantitative analysis technique uses a multiple linear regression model using SPSS Version26.The results of this study indicate that 1) There is a significant influence of financial inclusion simultaneously on bank stability 2) There is an influence of financial inclusion based on savings accounts partially on bank stability 3) There is an influence of financial inclusion based on the number of ATM machines partially on bank stability 4) There is an influence of financial inclusion based on the number of deposit accounts partially on bank stability in banking sector companies listed on the Indonesia Stock Exchange in 2019-2023. The limitations of this study are only banking sector companies listed on the IDX in 2019-2023. This study only covers 19 companies from the banking sector listed on the Indonesia Stock Exchange. This sample only represents 40.4% of the population of companies in the banking sector. Several companies do not meet the criteria because they do not consistently publish and present complete financial reports, so the number of samples used in this study is limited. This research can be used as a consideration for the Company in formulating the Company's strategy to be taken. To improve access to financial services for people in the lower classes through the resilience of the banking funding base. This research update introduces a new method in data analysis using SPSS version 26 and banking data for 2019-2023.
Pengelolaan Dana Desa Berbasis Partisipasi Untuk Mewujudkan Transparansi Dan Akuntabilitas Di Desa Gasing, Kecamatan Talang Kelapa Candera, Mister; Kosim, Belliwati
Jurnal Pengabdian Harapan Bangsa Vol. 3 No. 2: Mei 2025
Publisher : PT. Bangun Harapan Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56854/jphb.v3i2.331

Abstract

Pengelolaan Dana Desa merupakan hal yang sangat penting dalam mendorong percepatan pembangunan di wilayah pedesaan. Meski begitu, pelaksanaannya masih menghadapi sejumlah tantangan, seperti kurangnya transparansi, rendahnya partisipasi masyarakat, dan keterbatasan kapasitas aparatur desa. Untuk menjawab tantangan tersebut, kegiatan pengabdian kepada masyarakat ini dilaksanakan dengan tujuan meningkatkan kemampuan aparatur desa dan masyarakat dalam mengelola Dana Desa secara transparan, partisipatif, dan akuntabel. Kegiatan ini dilaksanakan di Desa Gasing, Kecamatan Talang Kelapa, Kabupaten Banyuasin, melalui berbagai metode seperti pelatihan dan diskusi terbuka. Hasil kegiatan menunjukkan adanya peningkatan pemahaman perangkat desa mengenai prinsip-prinsip pengelolaan keuangan desa, serta tumbuhnya partisipasi aktif masyarakat dalam proses perencanaan dan pengawasan anggaran. Harapannya, kegiatan ini dapat menjadi contoh praktik baik dalam pemberdayaan masyarakat desa dan menjadi langkah nyata menuju pembangunan desa yang berkelanjutan.
Pengaruh Kemampuan Kerja Dan Beban Kerja Terhadap Kinerja Karyawan PT Reska Multi Usaha (KAI Services) Palembang Berlian, Rifki Sultan; Fatimah, Fatimah; Candera, Mister
Improvement: Jurnal Manajemen dan Bisnis Vol 5 No 1 (2025): Vol 5 No 1 Maret 2025
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/imp.v5i1.26270

Abstract

This study aims to determine the influence of work ability and workload on the performance of employees of PT Reska Multi Usaha (KAI SERVICES) Palembang. The population in this study is 104 employees of PT Reska Multi Usaha (KAI SERVICES) Palembang, with a sample of 83 respondents. The data used were primary and secondary data, with questionnaire and documentation data collection methods. The analysis technique used is multiple linear regression. The results of the hypothesis test prove that there is a significant influence of workability and workload on the performance of employees of PT Reska Multi Usaha (KAI SERVICES) Palembang, there is a significant influence of workability on the performance of employees of PT Reska Multi Usaha (KAI SERVICES) Palembang, and there is a significant influence of workload on the performance of employees of PT Reska Multi Usaha (KAI SERVICES) Palembang. The value of the determination coefficient shows that work ability and workload are able to contribute to the ups and downs of the performance of Palembang Multi-Business Enterprises (KAI SERVICES) employees, by 62.4%. Keywords: Employee Perfomance, Work Ability, Workload Penelitian ini bertujuan untuk mengetahui pengaruh kemampuan kerja dan beban kerja terhadap kinerja karyawan PT Reska Multi Usaha (KAI SERVICES) Palembang. Populasi dalam penelitian ini sebanyak 104 karyawan PT Reska Multi Usaha (KAI SERVICES) Palembang, dengan sampel yang digunakan adalah 83 responden. Data yang digunakan adalah data primer dan sekunder, dengan metode pengumpulan data kuesioner dan dokumentasi. Teknik analisis yang digunakan adalah regresi linier berganda. Hasil uji hipotesis membuktikan ada pengaruh signifikan kemampuan kerja dan beban kerja terhadap kinerja karyawan PT Reska Multi Usaha (KAI SERVICES) Palembang, ada pengaruh signifikan Kemampuan kerja terhadap kinerja karyawan PT Reska Multi Usaha (KAI SERVICES) Palembang, dan ada pengaruh signifikan beban kerja terhadap kinerja karyawan PT Reska Multi Usaha (KAI SERVICES) Palembang. Nilai koefisien determinasi, memperlihatkan bahwa kemampuan kerja dan beban kerja mampu berkonstribusi terhadap naik turunnya kinerja karyawan Reska Multi Usaha (KAI SERVICES) Palembang, sebesar 62,4%. Kata Kunci: Kinerja Karyawan, Kemampuan Kerja, Beban Kerja
Pengaruh Skills Keterampilan dan Abilities Kemampuan Terhadap Produktivitas Kerja Karyawan PT. Bastian Olah Sawit Simpang Tungkal Eti Pinasti; Kholilah Kholilah; Mister Candera
Jurnal Rimba Riset Ilmu manajemen Bisnis dan Akuntansi Vol. 3 No. 2 (2025): Mei : Riset Ilmu Manajemen Bisnis dan Akuntansi
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/rimba.v3i2.1710

Abstract

The purpose of this Study was to determine the effect of skills and work abilities on employee work productivity at PT. Bastian Olah Sawit Simpang Tungkal? I simultaneously and partially. This study is a associative study, the variables used are skills, abilities on employee work productivity. The populationin this study was 133 employees taken as many as 58 samples. Primary data needed as a basis for analysis, while the data collection technique was a questionnaire, the analysis technique used was multiple linear regression, hypothesis testing. f-fees ,t-test and coofecient of determination. The results of this study are:there is a significant influence of skills and abilities on the work productivity of employees of PT. Bastian Olah Sawit Simpang Tungkal. there is a significant influence of skills on the work productivity of employees of PT. Bastian Olah Sawit Simpang Tungkal. there is a significant influence of abilities on the work productivity of employees of PT. Bastian Olah Sawit Simpang Tungkal. As evidenced by the calculated t value being smaller that the t table
Financial Performance Islamic Banking: a Comparative Analysis Before and During the Covid-19 Pandemic in Indonesia Candera, Mister; Indah, Karina Dwi
International Journal of Business, Management and Economics Vol. 1 No. 2 (2020): International Journal of Business, Management and Economics
Publisher : Training & Research Institute - Jeramba Ilmu Sukses (TRI-JIS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47747/ijbmer.v1i2.201

Abstract

The Covid 19 pandemic which spread to all countries in the world including Indonesia, caused various economic sectors, especially the financial sector, to be shaken. Especially at the beginning of the Covid 19 case, almost all sectors of the economy were paralyzed. Government regulations prohibiting non-essential activities outside the home, restricting operations in several vital sectors, and prohibiting crowds, add to the long list of causes for the weak performance of the financial sector. However, the Islamic banking financial sector was not too affected as evidenced by the financial performance of Islamic banking which was still in a good category. So it is necessary to further investigate the differences in the financial performance of Islamic banking before and during the Covid 19 pandemic in Indonesia. The data used in this study are secondary data collected through documentation. The number of samples studied was 34 Islamic banking consisting of 14 Islamic Commercial Banks and 20 Islamic Business Units. The data analysis used was the Multivariate Analysis of Variance (MANOVA) analysis. The results of the analysis show that there are differences in the financial performance of Islamic banking before and during the COVID-19 pandemic in Indonesia. In addition, before and during the Covid 19 pandemic had a significant effect on Islamic banking financial performance consisting of Non Performing Finance (NPF), Capital Adequacy Ratio (CAR), and Return On Assets (ROA).
Moderating Effect of Inflation on the Influence of Financial Performance on the Growth of Islamic Banking in Indonesia Djazuli, Abid; Candera, Mister
International Journal of Finance Research Vol. 1 No. 2 (2020): International Journal of Finance Research
Publisher : Training & Research Institute - Jeramba Ilmu Sukses (TRI-JIS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47747/ijfr.v1i2.259

Abstract

Islamic banking is one of the financial institutions whose activities are financial intermediation between the owners of capital and those who need capital. This study was conducted to know and analyze the impact of inflation as a moderating influence of financial performance on the growth of Islamic banking in Indonesia. The financial performance used consists of return on assets (ROA), non-performing financing (NPF), net operating margin (NOM), capital adequacy ratio (CAR), financing to Deposit Ratio (FDR), and operating expenses for operating income (BOPO). The data used is secondary data, obtained from the results of financial reports published on the official website of the Otoritas Jasa Keuangan (OJK) from January 2015 to December 2019. The analysis results show that, in general, inflation cannot moderate the influence of financial performance on rbanking growth—Sharia in Indonesia. Inflation can only be a predictor of the effect of return On Assets and net operating margin on the growth of Islamic banking in Indonesia. Meanwhile, the variables of non-performing financing (NPF), capital adequacy ratio (CAR), financing to deposit ratio (FDR), and operating expenses for operating income (BOPO) are not able to be a moderator or as a predictor
Perbedaan Kinerja Saham Sebelum dan Sesudah Merger dan Akuisisi pada Perusahaan yang Terdaftar di BEI Yuniar Almaidah; Ervita Safitri; Mister Candera
Epsilon Journal of Management Vol. 3 No. 1 (2025): April : Epsilon : Journal of Management (EJoM)
Publisher : Lembaga Pengabdian Masyarakat Universitas Ichsan Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/epsilon.v3i1.128

Abstract

This article aims to analyze the differences in stock performance before and after mergers and acquisitions in companies listed on the Indonesia Stock Exchange (IDX). The problem focuses on the impact of mergers and acquisitions on stock performance indicators, such as Stock Returns, Price Earnings Ratio (PER), Price to Book Value (PBV), and Earnings Per Share (EPS). In order to approach this problem, theoretical references from financial management and market efficiency theory are used. Data were collected through financial statements of companies undergoing mergers and acquisitions in the 2018-2020 period and analyzed quantitatively using normality tests and significant difference tests with paired sample t-tests. This study concludes that mergers and acquisitions have a significant effect on increasing several stock performance indicators, especially Stock Returns and PBV, although the impact on PER and EPS varies depending on the industry sector and market conditions. The results of this study are expected to provide insight for investors and business actors in assessing the effectiveness of mergers and acquisitions as a company growth strategy.