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All Journal Jurnal Minds: Manajemen Ide dan Inspirasi BAREKENG: Jurnal Ilmu Matematika dan Terapan JEMMA | Journal of Economic, Management and Accounting Jurnal Akuntansi Movere Journal ProBisnis : Jurnal Manajemen Journal of Management Sains (JMS) Jurnal Riset Manajemen dan Akuntansi (JURIMA) Lensa Ilmiah: Jurnal Manajemen dan Sumberdaya Journal of Artificial Intelligence and Digital Business Benefit : Journal of Bussiness, Economics, and Finance Paradoks : Jurnal Ilmu Ekonomi Economos : Jurnal Ekonomi dan Bisnis Jurnal Manajemen dan Ekonomi Terapan IJMA Jurnal Social Society International Journal of Education Management and Religion JIMEK Jurnal Manajemen, Bisnis dan Kewirausahaan INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE)
Muhammad Haekal Yunus
Universitas Andi Djemma
Religion Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Industrial & Manufacturing Engineering Mathematics Mechanical Engineering Physics Social Sciences Transportation Other

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Analisis Struktur Modal dalam Meningkatkan Profitabilitas pada PT. BNI (Persero)Tbk Periode 2021-2024 Yunus, Muh. Haekal; Baso, Urfatima Azzahra; Nadia, Nadia; Pradina, Wulan Anugriani; Adnyani, Ni Kadek Dwi
Journal Social Society Vol. 5 No. 2 (2025): Juli - Desember 2025
Publisher : Pustaka Digital Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54065/jss.5.2.2025.921

Abstract

Urgensi pada penelitian ini adalah untuk menganalisis hubungan antara struktur modal dan profitabilitas pada PT Bank Negara Indonesia (Persero) Tbk periode 2021–2024. Penelitian ini bertujuan untuk mengetahui dan menganalisis struktur modal dalam meningkatkan profitabilitas pada PT Bank Negara Indonesia (Persero) Tbk selama periode 2021–2024. Urgensi penelitian ini terletak pada pentingnya sektor perbankan sebagai motor penggerak perekonomian nasional, di mana efisiensi struktur modal berperan strategis dalam menjaga stabilitas keuangan sekaligus meningkatkan daya saing. Dalam konteks ini, analisis struktur modal dan profitabilitas menjadi relevan untuk memahami sejauh mana pengelolaan leverage dapat mendorong pertumbuhan kinerja bank secara berkelanjutan. Penelitian ini menggunakan pendekatan kuantitatif dengan teknik pengumpulan data berupa dokumentasi, yaitu mengumpulkan data sekunder dari laporan keuangan resmi PT Bank Negara Indonesia (Persero) Tbk. Data yang diperoleh mencakup laporan posisi keuangan (neraca) dan laporan laba rugi selama periode 2021–2024. Analisis data dilakukan secara deskriptif melalui perhitungan rasio keuangan, yaitu Debt to Asset Ratio (DAR), Debt to Equity Ratio (DER), Return on Asset (ROA), dan Return on Equity (ROE), dengan mengacu pada standar penilaian industri. Hasil penelitian menunjukkan bahwa struktur modal BNI didominasi oleh pendanaan berbasis utang, dengan nilai DAR dan DER berada pada kategori tinggi dan tidak baik jika dibandingkan dengan standar industri umum, namun masih wajar dalam konteks perbankan. Meski demikian, terdapat tren penurunan pada kedua rasio tersebut, mengindikasikan adanya upaya penguatan ekuitas perusahaan. Di sisi lain, rasio profitabilitas ROA dan ROE menunjukkan peningkatan selama periode pengamatan, yang menandakan perbaikan efisiensi pengelolaan aset dan ekuitas dalam menghasilkan laba. Temuan ini menegaskan bahwa penguatan struktur modal melalui pengurangan proporsi utang terhadap aset dan ekuitas berdampak positif terhadap profitabilitas BNI. Oleh karena itu, strategi keuangan yang berorientasi pada penguatan permodalan internal dan optimalisasi aset menjadi langkah penting dalam mendukung pertumbuhan kinerja keuangan secara berkelanjutan
Analisis Rasio Likuiditas dan Rasio Solvabilitas dalam Menilai Kinerja Keuangan pada PT Akasha Wira International Tbk Periode 2021-2024 Sarti Enne; Rindiantika; Nia Bonggakarua; Muhammad Haekal Yunus; Rafiqah Asaff
Jurnal Manajemen, Bisnis dan Kewirausahaan Vol. 5 No. 2 (2025): Agustus : Jurnal Manajemen, Bisnis dan Kewirausahaan (JUMBIKU)
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jumbiku.v5i2.5630

Abstract

This study aims to analyze the financial performance of PT Akasha Wira International Tbk during the 2021–2024 period using a financial ratio analysis approach, specifically focusing on liquidity and solvency ratios. This analysis is essential to assess the company's ability to meet its short-term and long-term obligations and to evaluate the soundness of its capital structure. The liquidity ratios used in this research include the current ratio, quick ratio, and cash ratio. These three ratios provide insight into the company's capacity to settle current liabilities using current assets, either with or without inventories, and with cash or cash equivalents. Meanwhile, to measure solvency, the debt to asset ratio (DAR) and debt to equity ratio (DER) are employed, which illustrate the extent to which the company is financed by debt in comparison to its assets and equity. This study employs a descriptive quantitative method, using secondary data in the form of annual financial statements obtained from the official website of the Indonesia Stock Exchange (IDX). The data were analyzed to observe the financial performance trends over the four-year period. The results show that the company’s liquidity ratios were consistently above the industry standard, indicating a strong ability to meet short-term obligations. This is a positive indicator for both internal stakeholders and external parties such as investors and creditors. Furthermore, the solvency ratios showed a declining trend year by year, reflecting a healthier capital structure and a reduction in reliance on debt financing. Overall, based on the analysis of liquidity and solvency ratios, it can be concluded that the financial performance of PT Akasha Wira International Tbk from 2021 to 2024 was in a stable and healthy condition. The company demonstrated solid financial management with strong liquidity and a gradual shift towards lower financial risk, offering a positive financial outlook for the future.
Analisis Rasio Likuiditas dan Rasio Solvabilitas dalam Menilai Kinerja Keuangan pada PT Akasha Wira International Tbk Periode 2021-2024 Sarti Enne; Rindiantika Rindiantika; Nia Bonggakarua; Muhammad Haekal Yunus; Rafiqah Asaff
Jurnal Manajemen, Bisnis dan Kewirausahaan Vol. 5 No. 2 (2025): Agustus : Jurnal Manajemen, Bisnis dan Kewirausahaan (JUMBIKU)
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jumbiku.v5i2.5667

Abstract

This study aims to analyze the financial performance of PT Akasha Wira International Tbk during the 2021–2024 period through a liquidity ratio and solvency ratio approach. The liquidity ratio used includes the current ratio, quick ratio, and cash ratio, while the solvency ratio includes the debt to asset ratio (DAR) and debt to equity ratio (DER). The research method used is quantitative descriptive using secondary data in the form of the company's annual financial statements obtained from the official website of the Indonesia Stock Exchange and other relevant supporting sources. The results show that the company's current ratio, quick ratio, and cash ratio are consistently above industry standards, which indicates that the company has excellent ability to meet its short-term obligations. This shows that the company has strong liquidity and is able to maintain its operational stability without facing financial difficulties in the short term, even in volatile economic conditions. Meanwhile, the results of the solvency ratio analysis show a downward trend in the value of DAR and DER from year to year, which reflects that the company's capital structure is getting healthier and dependence on debt is decreasing. This decline is a positive indication that the company is starting to rely on its own capital to support its operational and investment activities in a sustainable manner. Overall, the results of this study conclude that PT Akasha Wira International Tbk's financial performance during the 2021–2024 period is in a "healthy" condition both in terms of liquidity and solvency. These findings can be used as a reference for investors, management, academics, and other interested parties in assessing the company's financial stability and future prospects.
Pengaruh Inflasi dan Suku Bunga terhadap Harga Saham Perusahaan Perbankan Eva; Nurmin; Haekal Yunus, Muh; Sahabuddin, Dewi Hardiyanti; Magnus A.M; Pratama, Rahmat Putra
Movere Journal Vol. 8 No. 1 (2026)
Publisher : Sekolah Tinggi Ilmu Ekonomi (STIE) Tri Dharma Nusantara Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53654/mv.v8i1.656

Abstract

The objectives of this study were: 1) to determine the effect of inflation and interest rates on stock prices in banking companies, 2) to determine the effect of interest rates on stock prices in banking companies, and 3) to determine the effect of interest rates on stock prices in banking companies. This study was conducted by collecting secondary data in the form of financial reports of banking companies, inflation data, and data on Bank Indonesia interest rates. The results of the study indicate that: 1) inflation does not significantly affect stock prices in banking companies. This is evidenced by the results of partial tests obtained a t-value of up to 0.559 < the t-table value of 1.968 and a significance of 0.577 > 0.05, 2) interest rates significantly affect stock prices in banking companies. This is evidenced by the results of partial tests obtained a t-value of 0.-1.997 < the t-table value of 1.968 and a significance of 0.047 > 0.05, and 3) inflation and interest rates do not significantly affect stock prices in banking companies. This is proven by a simultaneous test where the calculated f value is 2.013 which is greater than the f table value which is 3.04 and significant at 0.136 which is smaller than 0.05 with a percentage influence of 1.8%.
Understanding Generation X’s Adoption of Digital Payment Systems: An Integrated Utaut–ToE Perspective Yunus, Muhammad Haekal; Nurjannah, Nurjannah; Zainuddin, Ahmad Fuad; Erwina, Erwina
Jurnal Minds: Manajemen Ide dan Inspirasi Vol 12 No 2 (2025): December
Publisher : Management Department, Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/minds.v12i2.56396

Abstract

This study examines Generation X’s intention to adopt digital payment systems by integrating the Unified Theory of Acceptance and Use of Technology (UTAUT) with the Technology–Organization–Environment (ToE) framework. It contributes to the fintech adoption literature by explicitly disentangling individual-level behavioral drivers from organizational and environmental constraints, thereby clarifying why adoption among Generation X remains uneven despite widespread technological diffusion. Using survey data from 200 Generation X respondents and analyzing the model with PLS-SEM, we find that UTAUT constructs, including performance expectancy, effort expectancy, social influence, facilitating conditions, and trust, significantly predict adoption intention. In contrast, ToE-related factors exhibit weaker explanatory power, suggesting limited salience of organizational and environmental conditions for this cohort. These findings imply that policies and managerial strategies aimed at accelerating fintech adoption among Generation X should prioritize behavioral alignment and digital confidence rather than structural or institutional interventions.
PRINCIPLES OF FINANCIAL MANAGEMENT: OPERATIONAL LEVERAGE AND FINANCIAL LEVERAGE Muhammad Haekal Yunus; Ni Komang Septia Noriska; Sri Hartati; Devia Septyani
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 2 No. 5 (2025): INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE)
Publisher : Adisam Publisher

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

Abstract

Understanding and mastering the principles of financial management is not only the key to success in running a business, but also very vital in our personal lives. In this world full of uncertainty, the ability to manage finances wisely can determine financial stability in the future. With good financial management, companies can allocate expenditure and income funds appropriately. Understanding the principles of operational leverage and financial leverage is very important in financial management. Both can be used to maximize profits, but also carry risks that need to be managed properly. With the right strategy, companies can use leverage to achieve their financial goals. In financial management, leverage is an important concept used to increase the company's profit potential. The utilization of fixed costs in the business's cost structure is associated with operational leverage. Leverage in finance is the process of using debt to fund a company's operations and assets. The performance of the business as a whole may be impacted by these two interrelated forms of leverage. Nevertheless, the amalgamation of these two categories of leverage can also increase risk, so financial managers need to be careful in planning the company's cost and financing structure.
Relationship Between Customer Relationship Management and Service Quality with the Satisfaction of BPJS Employment Participants in Palopo Basir, Basir; Bakhtiar, Bakhtiar; Yunus, Muh. Haekal
Economos : Jurnal Ekonomi dan Bisnis Vol. 9 No. 1 (2026): ECONOMOS : Jurnal Ekonomi dan Bisnis
Publisher : Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31850/economos.v9i1.4159

Abstract

This study aims to analyze the influence of Customer Relationship Management (CRM) and service quality on the level of satisfaction of BPJS Employment participants in Palopo City. The background of this study is driven by the increasing need for employment social security services, which requires BPJS Ketenagakerjaan to strengthen service strategies and manage relationships with participants. The study used a descriptive quantitative approach with a sample of 100 respondents, which was determined through the Slovin formula. Data were collected through questionnaires and analyzed using validity, reliability, multiple linear regression tests, F tests, t-tests, and determination coefficients (R²). The results of the analysis show that CRM has a positive and significant influence on participant satisfaction, which indicates that effective relationship management through technology, processes, and personnel interactions can increase satisfaction. On the other hand, the quality of service does not have a significant influence on participant satisfaction, so the perception of service has not become a dominant factor. Simultaneously, CRM and service quality have a significant effect on participant satisfaction. These findings provide strategic implications for BPJS Ketenagakerjaan in the development of customer relationship-based services to maintain the satisfaction of BPJS Ketenagakerjaan participants.
Co-Authors Abdullah Abdullah Adnyani, Ni Kadek Dwi adwiah, Radiatul Alvira, Alvira Anggasari, I Gusti Ayu Wulan Anggreani, Andi Dewi Arnal, Arnal Audri, Ananda Baharuddin Semmaila Bakhtiar Bakhtiar Bakhtiar Bakhtiar Basir, Basir Baso, Urfatima Azzahra Budiarti Putri Uleng Clara, Cyndi Devia Septyani Devia Septyani Dharmayanti, Shasy Eliyana, Eliyana Erwina Erwina, Erwina Eva Hamza, Nabila Indah, Cahaya Indratno, Sapto Wahyu Indriani, Angelika Julyarman, Nasrun Jummawati , Jummawati Khaerana Khaerana Lisa Yanti, Lisa Lorwens, Fhirna Angelich Christy Lubis, Nazwa Magfirah Magfirah Magnus A.M Mahfudnurnajamuddin, Mahfudnurnajamuddin Malak, Irmiati Mamisa, Yuli Yana Marshal Mega Fatimah Rosana Melani, Gita Meliani, Meliani Muh. Ardiansyah Muh. Syukri Muhammad Isnaini Faizal Muhammad Tafsir Munawir Munawir Munawir Munawir Mustika Mustika Nadia Nadia Ni Komang Septia Noriska Ni Komang Septia Noriska Nia Bonggakarua Ningsi, Arsy Widya Nurhikma, Nurhikma Nurjannah Nurjannah Nurjannah Nurjannah Nurmin Nurwijayanti P, Futri Regina Padandi, Yulpa Pongtiku, Dely Pradina, Wulan Anugriani Pratama, Rahmat Putra Pratiwi, Ananda Aisyah putri, amanda Rafiqah Asaff Rafiqah Asaff Ratna Dewi Renaldi Renaldi Reni, Nelviana Rindiantika Rindiantika Rindiantika Rosyalinda, Rosyalinda Rut, Rut Sahabuddin, Dewi Hardiyanti Samma, Fransiska Asriani Sarti Enne Sore, Yurlin Sri Hartati Sri Hartati Sulistianingsi, Riri Sura, Sridika Syahdi , Muh. Zadli Tesar, Tesar Anugrah Tonapa, Fhiona Imelia Yuyanti , Yuyanti Zainuddin, Ahmad Fuad