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PENGARUH NPL,LDR DAN NIM TERHADAP ROE PADA BANK BJB PERIODE TAHUN 2007 - 2024 Jumiati, Jumiati; Jelita, Anggun; Aurelia Hamzah, Chika; Yemima Christy, Ulina; Florentina Seno, Maria; Sumantri, Fazhar
Kajian Ekonomi dan Bisnis Vol. 20 No. 1 (2025)
Publisher : Sekolah Tinggi Ilmu Ekonomi SBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51277/keb.v20i1.239

Abstract

This study aims to analyze the effect of Non-Performing Loan (NPL), Loan to Deposit Ratio (LDR),and Net Interest Margin (NIM) on Return on Equity (ROE) at Bank BJB during the period 2007 to2024. The method used in this study is a descriptive quantitative approach using secondary dataanalyzed through multiple linear regression. The results of the study indicate that NPL and LDR donot have a significant effect on ROE partially, while NIM has a positive and significant effect onROE. Simultaneously, the three independent variables (NPL, LDR, and NIM) have a significanteffect on ROE. This finding confirms the importance of interest income efficiency in increasing bankprofitability.
Pengaruh Current Ratio, Debt To Equity Ratio Dan Gross Profit Margin Terhadap Return On Equity Pada PT Elang Mahkota Teknologi TBK Periode 2005-2023: Penelitian Achmad Wildan; Edgar Prasetyo; Wahyu Nugroho; Rendi Muhamad Dahlan; Fazhar Sumantri
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 4 No. 1 (2025): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 4 Nomor 1 (Juli 2025 -
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v4i1.1582

Abstract

Tujuan dari penelitian ini adalah untuk mengetahui hubungan antara Current Ratio (CR), Debt to Equity Ratio (DER), dan Gross Profit Margin (GPM) pada PT. Elang Mahkota Teknologi Tbk terhadap Return on Equity (ROE ) pada periode 2005–2023. Metode yang digunakan adalah regresi linear berganda, data-data yang digunakan berasal dari analisis kuantitatif laporan keuangan perusahaan. Di dalam data analisis ini digunakan metode Uji Asumsi Klasik dan Uji Hipotesis. Dari hasil analisis data, secara parsial menunjukkan bahwa Current Ratio tidak berpengaruh signifikan terhadap Return On Equity. Debt Equity Ratio berpengaruh signifikan positif terhadap Return On Equity. Gross Profit Margin juga tidak berpengaruh signifikan terhadap Return On Equity. Secara simultan menunjukan bahwa terdapat pengaruh antara Current Ratio, Debt to Equity Ratio dan Gross Profit Margin terhadap Return on Equity pada PT. Elang Mahkota Teknologi, Tbk pada periode 2005-2023.
Pengaruh Store Atmosphere dan Product Quality terhadap Kepuasan Pelanggan Kopi Sulfan Jakarta Pusat Reska Neta Febriyana; Fazhar Sumantri; Theysa Sahlani Pratiwi
GEMILANG: Jurnal Manajemen dan Akuntansi Vol. 5 No. 2 (2025): : Jurnal Manajemen dan Akuntansi
Publisher : BADAN PENERBIT STIEPARI PRESS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56910/gemilang.v5i2.2479

Abstract

This study aims to analyze the influence of store atmosphere and product quality on customer satisfaction at Kopi Sulfan Central Jakarta. The research method used a quantitative approach with non-probability sampling technique through accidental sampling of 100 respondents. Data was collected using a questionnaire with a 5-point Likert scale and analyzed using multiple linear regression with SPSS version 27. The results showed that store atmosphere has a positive and significant effect on customer satisfaction (t count 4.408 > t table 1.984; sig. <0.001). Product quality also has a positive and significant effect on customer satisfaction (t count 7.108 > t table 1.984; sig. <0.001). Simultaneously, both variables have a significant effect on customer satisfaction (F count 203.200 > F table 3.090; sig. <0.01). The coefficient of determination shows that store atmosphere and product quality can explain 80.7% of the variation in customer satisfaction. This study concludes that coffeeshop management needs to pay attention to both aspects simultaneously to create optimal customer satisfaction.
Pengaruh Beban Kerja, Stres Kerja, dan Lingkungan Kerja terhadap Turnover Intention: Studi Kasus PT Gunanusa Utama Fabricators Dahlia Apriliawati; Fazhar Sumantri; Theysa Sahlani Pratiwi
GEMILANG: Jurnal Manajemen dan Akuntansi Vol. 5 No. 2 (2025): : Jurnal Manajemen dan Akuntansi
Publisher : BADAN PENERBIT STIEPARI PRESS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56910/gemilang.v5i2.2633

Abstract

The high level of turnover intention is a serious challenge for organizations in maintaining quality human resources. This phenomenon not only impacts organizational stability, but also reduces overall employee performance and productivity. This research uses a quantitative approach, which is a scientific approach that systematically examines phenomena in a sample and population by using numerically measured data and analyzed using statistical procedures. The population in this study were all employees of PT Gunanusa Utama Fabricators. The sampling technique was carried out using Non-probability sampling method, specifically purposive sampling with a total sample of 50 respondents. The results of the hypothesis show that Workload, Stress and Work Environment together have a significant and positive influence on Turnover Intention. In other words, if these three factors decrease, the tendency of employees to leave the company will also decrease. Conversely, an increase in workload, stress levels and unsupportive work environment conditions will encourage increased employee intention to leave the company. The results of this study indicate that the three aspects simultaneously contribute significantly in influencing employee decisions regarding turnover intention, so that the management of the three is an important key in an effort to reduce the level of employee turnover at PT Gunanusa Utama Fabricators.
Analisis Pengaruh CAR, NPL, dan LDR Pada ROA Bank Cimb Niaga Tahun 2003–2023 -, Muhammad; putri sesa lestari an; Humaira; Septi Sartika Sari; Annisa Aprisila Handini; Fazhar Sumantri
MIZANIA: Jurnal Ekonomi Dan Akuntansi Vol. 4 No. 2 (2024): Mizania: Jurnal Ekonomi dan Akuntansi
Publisher : Economics and Business Faculty UNUSIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47776/mizania.v2i2.1654

Abstract

Dilakukannya kajian ini adalah untuk menginvestigasi hubungan antara capital adequacy ratio (CAR), non performing loan (NPL) dan loan to deposit ratio (LDR) pada return on assets (ROA) pada Bank CIMB Niaga selama periode 2003–2023. Menggunakan metode kuantitatif dengan analisis regresi linier berganda, penelitian ini menemukan bahwa NPL berpengaruh negatif signifikan pada ROA, sedangkan CAR dan LDR tidak berpengaruh secara parsial. Secara simultan, ketiga variabel menunjukkan pengaruh signifikan bagi ROA dengan koefisien determinasi sebesar 36,3%, mengindikasikan adanya faktor lain di luar model yang berkontribusi lebih besar pada fluktuasi ROA. Temuan ini memperkuat pentingnya pengelolaan risiko kredit dalam mempertahankan stabilitas profitabilitas bank, serta mendorong penelitian lanjutan dengan memasukkan variabel eksternal makroekonomi.
Pengaruh Debt to Assets Ratio, Debt to Equity Ratio, dan Current Ratio Terhadap Harga Saham PT Polychem Indonesia Tbk Pada Periode 2010-2024 Shinta Shintia Dewi, Fazhar Sumantri, Theysa Dewi, Shinta Shintia; Sumantri, Fazhar; Pratiwi, Theysa Sahlani
Socius: Jurnal Penelitian Ilmu-Ilmu Sosial Vol 3, No 2 (2025): September
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

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

Abstract

Debt to Assets Ratio. shows the measure used in analyzing financial reports to show the amount of collateral available to creditors. Debt to Equity Ratio Ratio shows the measurement of a company's ability to pay debts with its own capital. Current Ratio shows the ratio to measure the company's ability to pay short-term obligations, the aim of  study is to determine the influence Debt to Assets Ratio, Debt to Equity Ratio, and Current Ratio on the Share Price of PT Polychem Indonesia Tbk During the Period 2010-2014. The type of research data used is a comparative casual approach, or quantitative research with a multiple linear regression model data analysis method and the data is processed using SPSS version 27. The sample collection technique used is Purposive Sampling using a saturated sample of 15 years of the Annual Reports of PT Polychem Indonesia Tbk. The data source used is secondary data used, literature studies through journal. The research result Debt to Assets Ratio calculated t-value 0.806 2.201 with a significant value  of 0.437 0.05 does not have a significant partial effect on stock prices, Debt to Equity Ratio t-value -0.169 2.201 with a significant value  of 0.869 0.05 does not have a significant partial effect on stock prices , Current Ratio t-value 0.464 2.201 with a significant value  of 0.651 0.05 does not have a significant partial effect on stock prices 
Framework Analysis of Smart House based on Orange Technology use Systematic Literature Sudrajat, A.; Handoko, Melyani; Zahra; Kurniawan, Hendra; Solehudin, Didin; Sari, Dian Indah; Sumantri, Fazhar
Journal of Management and Informatics Vol. 4 No. 2 (2025): August Season | JMI : Journal of Management and Informatics
Publisher : University of Science and Computer Technology

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/jmi.v4i2.210

Abstract

Now days, the home environment is still much  less supportive of life for the elderly, most elderly living at  home need a companion to help them. Safety, health, happiness  and independence will be difficult for them to get even the  elderly will be further away from the surrounding  environment. Based on population projection 2017 data there  are 23.66 million elderly people in Indonesia and predicted in  2020 there are 27.08 million people elderly. Smart homes that  are currently widely studied have not focused on elderly; most  smart homes only provide a sense of security and convenience  for adult residents. And this will be a problem that until now  has not solved the improvement of human life through  technology to get happiness, care and health especially for the  elderly. In many cases of the elderly, it is easier to send them to  live in a nursing home and that keeps them separated from  their families for the rest of their lives. That's what makes  them less happiness. Orange Technology is a collection of  technological elements to improve human life by getting  happiness, Care and health. This study reviewed the journals  of scientific databases such as IEEE explore, ACM digital  library and Proquest published from 2002 to 2017. From the  search results obtained 54 papers that will answer the scientific  questions of this research. The result of this research is a  framework of smart house that has Sensor, Monitoring,  Wireless, Scalability, Low cost, GPS and ease of installation  and maintenance as components of smart house of orange  technology for elderly.
Analisis Pengaruh Return On Asset (ROA), Return On Equity (ROE), dan Debt Equity Ratio (DER) terhadap Harga Saham Pada PT Adira Dinamika Multifinance Tbk Pada Periode 2004 - 2024 Utami, Elva Damita; Sumantri, Fazhar; Pratiwi, Theysa Sahlani
Jurnal Pendidikan Tambusai Vol. 9 No. 2 (2025): Agustus
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jptam.v9i2.31550

Abstract

PT Adira Dinamika Mutifinance Tbk sebagai entitas yang beroperasional dilingkup pembiayaan. Return on Assets (ROA) mengestimasi keberhasilan entitas didalam memakai aset guna mendapatkan profit sementara Return on Equity (ROE) menghitung keuntungan berdasarkan ekuitas. Sedangkan Debt Equity Ratio (DER) dipakai mengestimasi besarnya aset entitas dibiayai dari utang. Tujuan riset disini adalah guna mengestimasi efek Return on Asset (ROA), Return on Equity (ROE), serta Debt Equity Ratio (DER) pada Harga Saham di PT Adira Dinamika Multifinance Tbk. Didalam proses pelaksanaan riset disini, peneliti menggunakan jenis riset kuantitatif statistik. Jenis data risetnya berupa riset kuantitatif memakai analisis data model regresi linear berganda serta datanya diolah memakai SPSS. Teknik pengambilan sampel memakai sampel jenuh yang berjumlah 21 tahun annual reports PT Adira Dinamika Multifinance Tbk. Data disini diperoleh dari data sekunder dengan studi literatur mengacu pada sumber-sumber seperti buku dan jurnal. Temuan riset ini menghasilkan Return on Asset (ROA) t hitung -0,835 < 1,740 dengan sig. 0,415 > 0,05 secara parsialnya Return on Asset (ROA) tidak berdampak pada harga saham, Return on Equity (ROE) t hitung -0,688 < 1,740 dengan sig. 0,501 > 0,05 secara parsialnya Return on Equity (ROE) tidak berdampak pada harga saham, Debt Equity Ratio (DER) t hitung -1,341< 1,740 dengan sig. 0,198 > 0,05 secara parsialnya Debt Equity Ratio (DER) tidak berdampak pada harga saham. Return on Asset (ROA), Return on Equity (ROE), dan Debt Equity Ratio (DER) F hitung 4,087 melebihi F tabel yaitu 3,20, dengan sig. 0,023 < 0,05 secara simultan berdampak pada harga saham.
Pengaruh Produk Domestik Bruto, Impor, dan Harga Minyak Dunia Terhadap Indeks Harga Saham Gabungan Anggraeni, Laela; Sumantri, Fazhar; Halizah, Zahwa Nur; Rizqi, Muhammad
DIALEKTIKA: Jurnal Ekonomi dan Ilmu Sosial Vol 8 No 1 (2023): Dialektika : Jurnal Ekonomi dan Ilmu Sosial
Publisher : Prodi Manajemen Fakultas Ekonomi dan Bisnis Universitas Islam Raden Rahmat Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36636/dialektika.v8i1.1854

Abstract

The Composite Stock Price Index (JCI) is a series of historical information regarding the movement of the combined stock price of all stocks up to a certain date. This study aims to determine the effect of Gross Domestic Product (GDP), imports, and World Oil Prices on the Jakarta Composite Index (JCI) for the 2017-2021 period. The data used in this study is secondary data, which is quarterly data obtained from investing.com, the Central Statistics Agency (BPS), and the Ministry of Trade, which consists of 4 data each year. The research is quantitative or based on the results of calculations, with descriptive statistical calculation techniques. Based on the Adjusted R Square test, the result is 0.267 or 26.7%. This explains that the independent variables, namely Gross Domestic Product (GDP), Imports, and World Oil Prices affect the value of the dependent variable, namely the Composite Stock Price Index (JCI) by 26.7%. At the same time, the rest is influenced by the value of other variables not tested in this study. that is equal to 73.3% (100%-26.7%).
Pengaruh Bopo, Nim Dan Ldr Pada Profitabilitas Bank Negara Indonesia Periode 2005-2024 Hardiyanto, Hardiyanto; Chandradoni, Dhimas; Fadilah, Ahmad Ridho; Ikbal, Maulana; Amzar, Fadillah; Sumantri, Fazhar
Jurnal Mirai Management Vol 10, No 1 (2025)
Publisher : STIE AMKOP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/mirai.v10i1.9279

Abstract

This study aims to determine the impact of Operating Expenses on Operating Income (BOPO), Net Interest Mergin (NIM), and Loan to Deposit Ratio (LDR) on Return on Assets (ROA). This research uses quantitative methods and multiple linear regression analysis. The data this time is the catalog data of Bank Negara Indonesia during 2005-2024. In this study, the dependent variable is ROA while the independent variables are BOPO, NIM, and LDR. The fit of the BOPO multiple regression model is acceptable and LDR and NIM have decreased. The coefficient of determination gets a very high percentage. This means that the variation of ROA value can be explained by BOPO, NIM, and LDR variables very influential. The results of this hypothesis test can explain that the independent variables simultaneously have a significant influence on ROA. Partially, the BOPO and LDR variables have a negative and significant effect on ROA, the NIM variable has a positive and significant effect on ROA.
Co-Authors Achmad Ridwan Achmad wildan Aditya Prasetyo Aditya, Maulana Alfia Dwi Damayanti Almeira, Gianina Alvandy Agung P.M Amzar, Fadillah Andi Asrul Anggraeni, Laela Anisa Fitri Annisa Aprisila Handini Annisa Rahayu Anugrah, Wahyu Putra Arini Arini Auliah, Firdah Aurelia Hamzah, Chika Bryan Givan Cahya Eni Chaerina Chaerina Chandradoni, Dhimas Dahlia Apriliawati Damanhuri, Muhammad Ikhsan Daniel , Daniel Daniel Daniel Danni Maulana Danny, Galang Rachmat Dawai, Eriana Dea Ratna Puspita Dewi, Shinta Shintia Dhelvia Devitha Shalihah Dian Indah Sari Duta Andriansyah Dwi Apriliani Edgar Prasetyo Elisabeth Karamoy Fadilah, Ahmad Ridho Febiyana, Fina Feby Angriawan Latumanase Fina Febiyana Florentina Seno, Maria Hafizhah, Elma Nurul Halizah, Zahwa Nur Handoko, Melyani Hardiyanto Hardiyanto Hasna Nur Salsabila Helmy Ivan Taruna Hendra Kurniawan Hendra Lesmana humaira Hutabarat, William Loro Sae Ikbal, Maulana Indra, Natal Indriani, Sarah Aqiilah Intan Septiani Irwansyah, Dea Putri Ivontiana Nganus Jelita, Anggun Jumiati Jumiati Kamiela, Intan Khoerun Nadia Zulpa Kurniawati, Cahya Lestari, Alim Lia Ameliawati Mahadi Alkautsar Manalu, Theresia Yosevani Marwah Nurinayah Maslufi, Lulu Zusratul Maulidia Hilmiar Maya Anggraeni Melyani Melyani Melyani Melyani, Melyani Muhammad - Muhammad Fauzan Adityan Muhammad Heriansyah Muhammad Jovan Edliansyah Muhammad Rizqi Mu’mina Mu’mina Nabila, Anastacia Naila Salsabilla Najwa Jawas Nurinayah, Marwah nurul latifah Pratiwi, Theysa Sahlani Putri Sesa Lestari An Rahmania Apriliani Rauddina Alyani Refo Putra Pangestu Rendi Muhamad Dahlan Reska Neta Febriyana Robby Rabanni Rafsanjani Rohim Setiawan Salsabila, Hasna Nur Saukani, Hilman Septi Sartika Sari Serlinda Gusmella Sindi Setyowati Siti Ainur Rahmah Siti Livka Hadinia Soliha Solehudin, Didin Sucipto, Rakhmat Hadi Sudrajat, A. Susanti Susanti Syabrinildi, Syabrinildi Syafirah Alawiyah Tanial, Bani Hensami Tasya Kurnia Theysa Sahlani Pratiwi Tri Utami TRI WIDIASTUTI Trisna Fajar Prasetyo Umi Latifah Umi Latifah Umi Latifah Utami, Elva Damita Wahyu Nugroho Yemima Christy, Ulina Zahra Zahrani, Permata Aulia Zulpa, Khoerun Nadia