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Analisis Bank Specific Factor terhadap Penyaluran Kredit Perbankan Konvensional Aulya Sukma; Marlina Marlina; Agus Kusmana
Jurnal Akuntansi, Keuangan, dan Manajemen Vol. 2 No. 4 (2021): September
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/jakman.v2i4.463

Abstract

Purpose: This research aimed to discover the influence between capital, credit risk, liquidity, and efficiency towards credit lending. Research methodology: This research includes quantitative research. The objects in this research were commercial banks listed on the Indonesia Stock Exchange (IDX), with 36 commercial banks chosen as the samples within the 2017 – 2019 period. Research hypotheses were tested with a significance level of 5% by using a panel data regression model and assisted by E-Views 11 program. Results: The result obtained within this research are (1) there is an influence between capital and credit lending, (2) credit risk does not influence credit lending, (3) liquidity has influence credit lending, and (4) efficiency does not have any influence with credit lending. Limitations: The limitations of this research were the least amount of former research both nationally and internationally containing a detailed explanation about a similar topic. Contribution: The result obtained can be used for the next researcher's references, also used as a bank’s consideration on operating their main operational activity, which is credit lending, and for investor's consideration while intended to invest in the banking sector.
PENGELOLAAN SAMPAH MANDIRI BERBASIS MASYARAKAT DI KELURAHAN RANGKAPAN JAYA BARU KECAMATAN PANCORAN MAS KOTA DEPOK SEBAGAI UPAYA PENINGKATAN EKONOMI MASYARAKAT Sri Sulasminingsih; Noegrahini L Noegrahini L; Marlina Marlina
Jurnal Bakti Masyarakat Indonesia Vol 3, No 1 (2020): Jurnal Bakti Masyarakat Indonesia
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (277.966 KB) | DOI: 10.24912/jbmi.v3i1.8044

Abstract

Household waste in the form of organic and non-organic materials can be utilized as material with economic value. Community Engagement Program is carried out in RW. 03 Kelurahan Rangkap Jaya Baru, Depok City aims to (1) increase public awareness of the importance of managing and managing waste independently, (2) increasing community knowledge and insight that waste processing units do not cause air pollution, sources of disease, and discomfort, (3) increase community knowledge and insights on various techniques for making compost independently, and (4) providing training to the community on processing waste into compost that has economic value. As an effort to manage solid waste, this is to reduce the problem of garbage, recycling of waste, the use of waste as organic fertilizer. The method used is to provide training on waste management and its application in daily life. Organic material can be used as compost by using integrated waste treatment technology, which is carried out in a practical, clean, and odorless form so that it is very safe to use for household scale. While non-organic materials can be directly utilized as materials that can be recycled. The output targets of the PKM program are (1) the community has begun to realize the importance of independent waste management and processing, (2) the community has the knowledge and ability of processing waste into goods that have economic value, and (3) the creation of active community participation in solving the problem of waste by providing temporary shelter at the family, RT and RW levels, so as to create an environment that is clean, comfortable and free from garbage pollution.ABSTRAK:Sampah rumah tangga berupa bahan organik dan non-organik dapat dimanfaatkan menjadi bahan yang bernilai ekonomis. Program Pengabdian kepada Masyarakat (PKM) ini dilaksanakan  di RW. 03 Kelurahan Rangkapan Jaya Baru Kota Depok bertujuan untuk (1) meningkatkan kesadaran masyarakat pentingnya pengelolaan dan pengolahan sampah secara mandiri, (2) meningkatkan pengetahuan dan wawasan masyarakat bahwa unit pengolah sampah tidak menyebabkan polusi udara, sumber penyakit, dan ketidaknyamanan, (3) meningkatkan pengetahuan dan wawasan masyarakat tentang berbagai teknik pembuatan kompos secara mandiri, dan (4) memberikan pelatihan kepada masyarakat tentang pengolahan sampah menjadi kompos yang memiliki nilai ekonomis. Sebagai upaya pengelolaan sampah ini adalah untuk mengurangi permasalahan sampah, daur ulang sampah, pemanfaatan sampah sebagai pupuk organic.. Metode yang digunakan adalah dengan memberikan pelatihan tentang pengelolaan sampah dan penerapannya dalam kehidupan sehari-hari. Bahan organik dapat dimanfaatkan sebagai pupuk kompos dengan menggunakan teknologi pengolahan sampah terpadu, pengolahan sampah yang dilakukan bentuknya praktis, bersih, dan tidak berbau sehingga sangat aman digunakan untuk skala rumah tangga. Sedangkan bahan non-organik dapat langsung dimanfaatkan sebagai bahan yang dapat didaur ulang. Target luaran program PKM ini adalah (1) masyarakat mulai menyadari akan pentingnya pengelolaan dan pengolahan sampah secara mandiri, (2) masyarakat memiliki pengetahuan dan kemampuan tentang teknik pengolahan sampah menjadi barang yang memiliki nilai ekonomis, dan (3) terciptanya peran serta masyarakat secara aktif dalam memecahkan masalah sampah dengan menyediakan tempat penampungan sampah sementara baik ditingkat keluarga, RT dan RW, sehingga tercipta suatu lingkungan yang bersih, nyaman dan terbebas dari pencemaran sampah
Analisis Struktur Modal Pada Perusahaan Konstruksi dan Bangunan yang Terdaftar di Burs Efek Indonesia Imaniar Rahmahwati; Alfida Aziz; Marlina Marlina
Jurnal Manajemen Aset dan Penilai Vol. 2 No. 1 (2022)
Publisher : Lembaga Riset dan Pengembangan MAPPI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56960/jmap.v2i1.34

Abstract

Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh profitabilitas, likuiditas, dan struktur aktiva terhadap struktur modal. Populasi dalam penelitian ini terdiri dari 17 perusahaan Konstruksi dan Bangunan yang terdaftar di Bursa Efek Indonesia pada kurun waktu 2016-2020. Teknik pemilihan sampel yang diaplikasikan yaitu non-probability sampling dengan pendekatan purposive sampling sehingga diperoleh 15 perusahaan yang mampu memenuhi kriteria sebagai sampel. Analisis data pada penelitian ini dilakukan dengan memanfaatkan program komputer yaitu Microsoft Office Excel 2017 dan uji hipotesis menggunakan analisis regresi data panel melalui program E-views 11.0 dan taraf signifikansi 5%. Maka, hasil analisis yang diperoleh berdasarkan uji t menunjukkan bahwa secara parsial (1) Profitabilitas (ROE) berpengaruh negatif signifikan terhadap struktur modal, (2) Likuiditas (CR) berpengaruh negatif signifikan terhadap struktur modal, (3) Struktur aktiva (FAR) tidak berpengaruh signifikan terhadap struktur modal. Dengan demikian, hasil pada penelitian ini mendukung teori pecking order.
Relationship Analysis of Capital Structure and Profitability Ratio in Trade Sector Companies in Indonesia Ranila Suciati; Marlina Marlina; Zackharia Rialmi; Heni Nastiti
Journal of Accounting and Finance Management Vol. 2 No. 1 (2021): Journal of Accounting and Finance Management (March-April 2021)
Publisher : DINASTI RESEARCH

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (413.889 KB) | DOI: 10.38035/jafm.v2i1.44

Abstract

A composition or a structure of liabilities is the definition of the capital structure of a company. The purpose of the study is to analyze the structure of capital and the performance of finance during the years 2015 to 2018 (4 years) in the enterprise sector is national Trade in Indonesia. The research sample was processed from the annual report data Trade sector companies in Indonesia that are listed on the Indonesia Stock Exchange, this is in accordance with the objectives of this study. The method of analysis in this study uses panel data regression. The relationship between capital structure and profitability ratios will be revealed from this study. Variables independently that structure capital will be in proxy with a debt to equity ratio (DER), debt to asset ratio (DAR), and long-term debt ratio (LTDR). And for variable dependent is the performance of finance will be in proxy with Gross Profit Margin (GPM), Net Profit Margin (NPM), and Return on Capital Employed (ROCE). Research on the company's sector of Commerce in Indonesia resulted in a relationship that significant between variables independent manner together against variable dependent.
Impact of Leverage, Activity Ratio, Market Value, and Bond Rating Dewi Cahyani Pangestuti; Marlina; Siti Hidayati
Jurnal Manajemen dan Organisasi Vol. 13 No. 3 (2022): Jurnal Manajemen dan Organisasi
Publisher : IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jmo.v13i3.42755

Abstract

This research is a quantitative investigation of the impact of leverage, activity ratio, and market value on PEFINDO's bond ratings for the years 2018 to 2021. This study's sample employed the strategy of purposive sampling to acquire as many as 25 financial institutions. Using a significance threshold of 0.05, Eviews version 12.0 was used to test hypotheses using regression analysis of panel data. The results of testing variable activity ratios with the Total Assets Turnover (TAT) proxy and market value with the Market to Book Value (MBV) proxy indicated a significant negative influence on the bond ratings of financial companies, whereas leverage with a Debt to Assets Ratio (DAR) proxy indicates no significant influence. The advice that may be offered to a firm, specifically the results of this study, can be utilized as material for projecting bond ratings in order to make proper judgments regarding bond issuance and is anticipated to be material for company evaluation and performance improvement. And the results of this study can help investors predict bond ratings by giving them information and insights. This lets them make investment decisions and choose the type of company to invest in to make the most money and reduce risk.
Analysis Of Profitability Performance In Sharia Commercial Banks Period 2018 – 2022 Olfat Rayfadil Nabawi; Marlina Marlina
International Journal of Business, Technology and Organizational Behavior (IJBTOB) Vol. 3 No. 4 (2023): August | International Journal of Business, Technology and Organizational Behav
Publisher : Garuda Prestasi Nusantara Consulting

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52218/ijbtob.v3i4.286

Abstract

Abstract This study aims to analyze the factors influencing the profitability ratio of Islamic Commercial Banks during the period 2018-2022. The research method used in this study is panel regression analysis. The data utilized is panel data comprising several Islamic commercial banks registered with the Indonesian Financial Services Authority (OJK) over the five-year period. The dependent variable in this research is the profitability ratio, measured by return on assets (ROA). The independent variables include factors believed to affect profitability, such as liquidity, capital adequacy, and non-performing financing. The analysis results indicate that liquidity, capital adequacy, and non-performing financing do not have a significant impact on profitability. This study contributes to the understanding of the factors influencing the profitability of Islamic commercial banks in Indonesia. The findings can be utilized by bank management and regulators to improve financial performance and identify crucial factors for optimizing the profitability of Islamic commercial banks. Keywords: profitability, sharia commercial banks, liquidity, capital, non-performing financing.
LITERASI KEUANGAN DAN PERBANKAN DIGITAL UNTUK MENJADIKAN ANGGOTA UMKM BANKABLE DI CINERE, JAWA BARAT Siti Hidayati; Marlina Marlina; Dewi Cahyani Pangestuti
Jurnal Abdimas Bina Bangsa Vol. 4 No. 2 (2023): Jurnal Abdimas Bina Bangsa
Publisher : LPPM Universitas Bina Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46306/jabb.v4i2.829

Abstract

The Community Engagement Program aims to provide financial literacy and assistance in business transaction record-keeping to members of Small and Medium Enterprises (SMEs) in Cinere Subdistrict. A participatory approach is employed to encourage participants' engagement in understanding digital financial services and banking, as well as effectively managing business transactions. The activities involve 27 SME members, the outreach team, and Bank Syariah Indonesia Branch of Fatmawati. Financial literacy is conducted through pre-test and post-test assessments to measure knowledge enhancement. From the pre-test, some participants already have bank accounts and e-wallets, although comprehension of digital services still varies. Post-test results indicate a significant improvement, reaching 100% understanding of digital services and the importance of safeguarding personal data. Business transaction record-keeping assistance is conducted using Excel format and a manual approach, aiding participants in better managing their businesses. Results demonstrate enhanced administrative skills and transaction management. Additionally, the socialization of KUR (Kredit Usaha Rakyat) provides a safer funding option for SMEs. Recommendations for the future encompass strengthened collaboration with financial institutions, continuous mentoring, more in-depth impact assessment, and group learning. This program has the potential to fortify the SME sector, enhance financial literacy, and support community economic growth in the dynamic era of technology and economics. By actively involving SME members and providing sustained mentoring, the program yields tangible benefits for the development of small and medium enterprises, enhancing their competitiveness in an increasingly competitive market
MANAJEMEN PENGELOLAAN BANK SAMPAH BERBASIS SOCIOPRENEUR DALAM RANGKA MENINGKATKAN EKONOMI KELUARGA DI WILAYAH LIMO DEPOK Rosali Sembiring Colia; Miguna Astuti; Marlina Marlina
Jurnal Abdimas Indonesia Vol. 2 No. 4 (2022): Oktober-Desember 2022
Publisher : Perkumpulan Dosen Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53769/jai.v2i4.333

Abstract

Beberapa tahun belakangan isu masalah lingkungan terkait sampah yang menjadi media pencemaran bagi alam dan kondisi TPA yang penuh sehingga perlu dilakukan penanggulangan salah satunya melalui pembentukan Bank Sampah. Kegiatan ini dilakukan pada Bank Sampah “Sawo kencana” dengan pendekatan partisipatif menggunakan teknik pelaksanaan pengabdian ‘participatory rural appraisal’ yang dilakukan dengan 3 (tiga) orang peserta. Pada pengabdian ini, teridentifikasikan tiga permasalahan prioritas pada Bank Sampah “Sawo Kencana” Sehingga, hasilnya memberikan solusi yang ditawarkan tim pengabdi terkait permasalahan tersebut antara lain yaitu (1) Pendampingan pengadaan alat produksi dalam hubungannya dengan supply chain berupa storage dan mesin pencacah sampah (2) pelatihan dan pendampingan sumber daya manusia dalam hal penyusunan laporan keuangan, implementasi fungsional dalam struktur serta pengetahuan sociopreneur, (3) Pelatihan dan pendampingan kegiatan pemasaran dengan website dan media sosial.