Siti Hailatul Fikriyah
Universitas Pamulang, Tangerang Selatan, Indonesia

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The Influence of Risk Management and Growth Strategies on Financial Performance Rahma Wiyanti; Siti Hailatul Fikriyah
EAJ (Economic and Accounting Journal) Vol 5, No 1 (2022): EAJ (Economic and Accounting Journal)
Publisher : Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/eaj.v5i1.y2022.p45-59

Abstract

This research examines risk management and growth strategies on the performance of financial the banks are listed on the Indonesia Stock Exchange. The general research objective is to ascertain the effect of risk management and growth strategies on the optimal performance of financial the Indonesian banks. Credit risk management is considered to play a role in minimizing the emergence of bad loans because bank loans have the aim of increasing profits and have triggered the emergence of bad loans in Indonesian banks due to improper management. It is hoped that this research will help improve bank viability, and risk management expected to reduce unemployment, as well as help, prevent the social evils that accompany it. This study uses financial performance as measured by ROA, risk management uses ratio to measure credit risk by Non-Performing Loans (NPL) and the bank’s performance ratio to assess bank liquidity in meeting the needs of funds withdrawn by the public in the form of deposits, saving or demand deposits is Loan to Deposit Ratio (LDR) as well as growth strategies. The company's growth strategies are one of the managerial efforts to increase the company's competitive position in the industry. The growth strategies are measured by revenue growth expressed as a percentage. This study uses secondary data, so all data needs are obtained from relevant secondary sources. This test has a sample data of 110 sample data for 5 periods. The technique of analysis used is multiple linear regression using the eViews-9 program. The results showed that risk management as proxied by NPL and LDR as well as growth strategies simultaneously affected financial performance. While partially NPL and sales growth have an impact on financial performance. Meanwhile, LDR has no effect on financial performance.
Strategi Membangun Bisnis UMKM “Sate Bebek Hj. Siti” Kuliner Khas Cilegon Siti Hailatul Fikriyah; Moh Yuddy Yudawirawan; Nelly Budiyarti; Sutandijo Sutandijo; Dewi Rani Gustiasari
Abdimisi Vol 3, No 1 (2021): Abdimisi
Publisher : Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/abms.v3i1.16665

Abstract

The Covid-19 pandemic is still not over, many employees are finally laid off due to an unstable economy. This of course makes some people have to think hard to survive, especially with difficult economic conditions. One of them is to open your own business or entrepreneurship. This Community Service was carried out at the Al – Kamilah Foundation, Depok, West Java. The purpose of holding this PKM is to share insights about the culinary business with the students at the foundation. The PKM method used is to provide presentation materials on how to start a culinary business, marketing techniques, to financial management procedures. The results obtained by the existence of this PKM are to increase the knowledge of students about the culinary business, especially the culinary area of Cilegon which is not yet known by many people. After participating in this PKM, the students became enthusiastic about becoming culinary entrepreneurs.