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STRATEGI PENGELOLAAN NON PERFORMING LOAN (NPL) BANK UMUM YANG GO PUBLIC Riyadi, Selamet; Iqbal, Muhammad; Lauren, Novia
Jurnal Dinamika Manajemen Vol 6, No 1 (2015): March 2015 (DOAJ Indexed)
Publisher : Department of Management, Faculty of Economics, Semarang State University, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jdm.v6i1.4299

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh capital adequacy ratio, total aset, loan to deposit ratio, kualitas aktiva produktif dan biaya operasional terhadap pendapatan operasional terhadap non performing loan pada Bank Umum di Bursa Efek Indonesia periode tahun 2007sampai dengan tahun 2014. Sampel yang digunakan dalam penelitian ini adalah 10 Bank Umum di BEI. Penelitian ini menggunakan metode regresi data panel dengan efek random. Hasil penelitian menyimpulkan bahwa capital adequacy ratio, loan to deposit ratio, kualitas aktiva produktif dan biaya operasional terhadap pendapatan operasional berpengaruh signifikan terhadap non performing loan, sedangkan variabel total aset tidak berpengaruh signifikan terhadap non performing loan. Model efek random layak digunakan untuk mengestimasi pengaruh capital adequacy ratio, total aset, loan to deposit ratio, kualitas aktiva produktif dan biaya operasional terhadap pendapatan operasional terhadap non performing loan.
Strategi Pengelolaan Non Performing Loan (NPL) Bank Umum yang Go Public Riyadi, Selamet; Iqbal, Muhammad; Lauren, Novia
JDM (Jurnal Dinamika Manajemen) Vol 6, No 1 (2015): March 2015 (DOAJ Indexed)
Publisher : Department of Management, Faculty of Economics, Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jdm.v6i1.4299

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh capital adequacy ratio, total aset, loan to deposit ratio, kualitas aktiva produktif dan biaya operasional terhadap pendapatan operasional terhadap non performing loan pada Bank Umum di Bursa Efek Indonesia periode tahun 2007sampai dengan tahun 2014. Sampel yang digunakan dalam penelitian ini adalah 10 Bank Umum di BEI. Penelitian ini menggunakan metode regresi data panel dengan efek random. Hasil penelitian menyimpulkan bahwa capital adequacy ratio, loan to deposit ratio, kualitas aktiva produktif dan biaya operasional terhadap pendapatan operasional berpengaruh signifikan terhadap non performing loan, sedangkan variabel total aset tidak berpengaruh signifikan terhadap non performing loan. Model efek random layak digunakan untuk mengestimasi pengaruh capital adequacy ratio, total aset, loan to deposit ratio, kualitas aktiva produktif dan biaya operasional terhadap pendapatan operasional terhadap non performing loan.
Pengaruh Dana Pihak Ketiga, Inflasi, Modal Bank, dan Suku Bunga Dasar Kredit terhadap Penyaluran Kredit Eklesia, Maria Indah; Riyadi, Selamet
Jurnal Ilmu Manajemen Vol 10, No 2 (2021): Jurnal Ilmu Manajemen
Publisher : Universitas muhammadiyah palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32502/jimn.v10i2.2985

Abstract

The purpose of this research to analyze the effect of third party fund, inflation, bank capital and prime lending rate on the distribution of credit. The samples use in this research are four stated-owned enteprises bank listed on the Indonesia Stock Exchange period 2015-2019. The four banks are: Bank Rakyat Indonesia Tbk, Mandiri Bank Tbk, Bank Negara Indonesia Tbk, Bank Tabungan Negara Tbk. The sample selection use purposive sampling method. The data obtained from the quarterly financial statement of each bank period 2015-2019. The analysis technique for hypothesis testing is panel data regression, which is processed by Eviews 10.0. The result obtained   that simultaneously third party funds, inflation, bank capital and prime lending rate had an effect and were feasible to explain lending. Partially, the variables of third party funds and bank capital have a significant positive effect on lending, while the inflation variable does not have a significant effect on lending, and the prime lending rate variable has a negative effect on lending.
Pengaruh Non Performing Financing, Financing to Deposit Ratio, dan Capital Adequacy Ratio terhadap Tingkat Bagi Hasil Deposito Mudharabah Oktaviani, Nurul Rizka; Riyadi, Selamet
Jurnal Ilmu Manajemen Vol 10, No 2 (2021): Jurnal Ilmu Manajemen
Publisher : Universitas muhammadiyah palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32502/jimn.v10i2.3260

Abstract

This study aims to analyze the effect of Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), and Capital Adequacy Ratio (CAR) on the profit sharing rate of mudharabah deposits at Bank Syariah Mandiri 2010-2019. The data used in this study are data from the complete annual financial reports for 2010-2019. The analysis technique used in this research is multiple regression analysis. The results showed that partially the Non Performing Financing (NPF) and the Financing to Deposit Ratio (FDR) had no effect on the profit sharing rate of mudharabah deposits. Meanwhile, the Capital Adequacy Ratio (CAR) partially has a significant negative effect on the profit sharing rate of mudharabah deposits. Simultaneously, Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), and Capital Adequacy Ratio (CAR) have a significant effect on the profit sharing rate of mudharabah deposits. The results of this study can be used as an assessment material in maintaining and improving the bank's financial performance in order to be better and further researchers can expand the limitations contained in this study, namely by expanding the object of research in order to obtain better research results.
Pengaruh CAR, LDR, KAP dan NPL terhadap ROA Bank Go Public yang terdaftar di BEI Grilseda, Nadya; Riyadi, Selamet
Jurnal Ilmu Manajemen Vol 11, No 1 (2021): Jurnal Ilmu Manajemen
Publisher : Universitas muhammadiyah palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32502/jimn.v11i1.3252

Abstract

This study aims to determine the effect of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Asset Quality (KAP), and Non Performing Loans (NPL) on Return On Assets (ROA) in Go Public Banking Companies listed in Indonesia Stock Exchange (BEI) 2015-2019. The population used in this study was 37 bank companies listed on the Indonesia Stock Exchange (IDX) before 2015. The data used is obtained from the financial statements of each bank through the official website of the Indonesia Stock Exchange (BEI). The sample selection used a purposive sampling technique through certain criteria in order to obtain a sample of 15 banks. Hypothesis testing uses panel data regression analysis using E-views 10 software. The results of the analysis show that partially, CAR, LDR, and NPL have a positive and insignificant effect on ROA, while KAP has a significant negative effect on ROA. However, simultaneously, CAR, LDR, KAP, and NPL have a significant effect on ROA.
ANALISIS PENGARUH KINERJA KEUANGAN, BI RATE DAN EARNING PER SHARE TERHADAP HARGA SAHAM BANK BUMN DI BURSA EFEK INDONESIA (PERIODE 2008-2013) Selamet Riyadi
Wahana: Jurnal Ekonomi, Manajemen dan Akuntansi Vol 17, No 2 (2014)
Publisher : Akademi Akuntansi YKPN Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (159.749 KB) | DOI: 10.35591/wahana.v17i2.93

Abstract

This study aims to analyze the influence of variable financial performance, the BI rate and EPS to state-owned bank's stock price. The results of this study are expected to provide information for the management of state-owned banks as consideration making the right decisions for the progress of the red plate banks and investors. The object is a state-owned bank that listing in Indonesia Stock Exchange (IDX) 2008-2013. The sample used is judgment sampling method with the state-owned bank criteria. Based on these criteria, the sample was obtained 4. The data were processed using Eviews Program version 6.0. The analytical tool used is panel data regression method using hypothesis testing, ie the T test, F test, test. The results of this study indicate that partial, LDR has a positive but not significant effect on stock prices, CAR has a positive and significant impact on stock prices, NIM positive and not significant to the stock price, the BI rate has positive effect on stock prices and EPS positive effect significant impact on stock prices. LDR independent variables simultaneously, CAR, NIM, the BI rate and EPS have a significant effect on stock prices. The results of the determination coefficient test showed 89.17 percent of the value of the dependent variable is affected by the independent variable, and the remaining 10.83 percent is influenced by other variables outside of research. Banks that maintain the soundness of banks in accordance with the method Risk Base Bank Rating (RBBR) set by Bank Indonesia to maintain its stock price in Indonesia Stock Exchange (IDX). For the investor in CAR and EPS can be used as a reference to set the options for the investment and management of the bank should maintain CAR and EPS increase continuously. Keywords: Financial Performance, BI rate, EPS, and stock price.
PENGARUH NON PERFORMING FINANCING (NPF), FINANCING TO DEPOSIT RATIO (FDR), DAN BIAYA OPERASIONAL DAN PENDAPATAN OPERASIONAL (BOPO) TERHADAP RETURN ON ASSET (ROA) PADA BANK SYARIAH MANDIRI PERIODE 2015-2019 Khuzaematul Hasanah; Selamet Riyadi
Jurnal Ilmiah Akuntansi Rahmaniyah Vol 4 No 2 (2021): Jurnal Ilmiah Akuntansi Rahmaniyah (JIAR)
Publisher : Sekolah Tinggi Ilmu Ekonomi Rahmaniyah Sekayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (299.677 KB) | DOI: 10.51877/jiar.v4i2.196

Abstract

Penelitian ini dilakukan untuk menganalis Pengaruh Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), dan Biaya Operasional dan Pendapatan Operasional terhadap Return On Asset (ROA) pada PT Bank Syariah Mandiri Periode 2015-2019. Populasi yang digunakan pada penelitian ini adalah semua Laporan Keuangan PT Bank Syariah Mandiri dengan menggunakan teknik purposive sampling dengan kriteria yang ditetapkan oleh penulis. Analisis yang digunakan adalah metode analisis regresi linier berganda. Berdasarkan hasil secara simultan Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), dan Biaya Operasional dan Pendapatan Operasional memiliki pengaruh dan signifikan terhadap Return On Asset (ROA) pada PT Bank Syariah Mandiri Periode 2015-2019, sedangkan secara parsial variabel Non Performing Financing (NPF) mempunyai pengaruh negatif dan signifikan terhadap Return On Asset (ROA) pada Bank Syariah Mandiri, Financing to Deposit Ratio (FDR) tidak memiliki pengaruh signifikan terhadap Return On Asset (ROA) pada Bank Syariah Mandiri, dan Biaya Operasional dan Pendapatan Operasional (BOPO) memiliki pengaruh negatif dan signifikan terhadap Return On Asset (ROA) pada Bank Syariah Mandiri.
Pengaruh Kesadaran Wajib Pajak, Pelayanan Fiskus, Sanksi Pajak dan E-Filing terhadap Kepatuhan Wajib Pajak Orang Pribadi Hardison Hardison; Selamet Riyadi
Syntax Idea Vol 4 No 2 (2022): Syntax Idea
Publisher : Ridwan Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46799/syntax-idea.v4i2.1781

Abstract

Penelitian ini bertujuan untuk menganalisis Pengaruh Kesadaran Wajib Pajak, Pelayanan Fiskus, Sanksi Pajak Dan E-Filing terhadap Kepatuhan Wajib Pajak Orang Pribadi Yang Melakukan Kegiatan Usaha Dan Pekerjaan Bebas dengan menggunakan pendekatan theory of planned behaviour. Adapun lokasi penelitian adalah wilayah administrasi KPP Pratama Jakarta Pesanggrahan. Variabel bebas terdiri dari variabel Pengaruh Kesadaran Wajib Pajak (X1), Pelayanan Fiskus (X2), Sanksi Pajak (X3), E-Filing(X4), dan Variabel terikatnya adalah Kepatuhan Pajak (Y). Penelitian ini diharapkan dapat mendukung upaya peningkatan kepatuhan wajib pajak melalui pemahaman atas motivasi Wajib Pajak orang pribadi dalam pelaporan dan atau pembayaran pajak. Dengan mengetahui motivasi tersebut, maka masukan tersebut dapat menjadi salah satu pertimbangan pimpinan otoritas pajak dalam membuat kebijakan. Penelitian ini menggunakan desain penelitian non eksperimental dengan analisis kuantitatif. Teknik sampling yang digunakan dari populasi Wajib Pajak KPP Pratama Jakarta Pesanggrahan khususnya Wajib Pajak Orang Pribadi yang melakukan kegiatan usaha dan pekerjaan bebas dengan menggunakan metode survei. Data sekunder didapatkan dari penelitian terkait yang pernah dilakukan dan dokumen yang sudah dipublikasi oleh Direktorat Jenderal Pajak, data primer dilakukan dengan kuesioner. Uji data dilakukan dengan uji validitas dan reliabilitas. Analisis data dilakukan menggunakan asumsi klasik dan analisis regresi berganda. Uji hipotesis digunakan uji t,dan uji F . Hasil yang diharapkan adalah pembuktian secara parsial maupun secara bersama-sama pengaruh kesadaran Wajib Pajak, pelayanan fiskus, sanksi pajak dan e-filing terhadap kepatuhan Wajib Pajak Orang Pribadi yang melakukan kegiatan usaha dan pekerjaan bebas
Sistem Peringatan Dini Ketahanan Perbankan Terhadap Guncangan Internal dan Eksternal Dengan Model Artifical Neural Network Muhammad Iqbal; Azmia Ulfah; Selamet Riyadi
Target : Jurnal Manajemen Bisnis Vol 2 No 1 (2020)
Publisher : Universitas Bumigora

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (303.805 KB) | DOI: 10.30812/target.v2i1.706

Abstract

Sistem stabilitas keuangan adalah sistem kompleks yang terbentuk dan terkait dengan kebijakan ekonomi dan moneter di negara tersebut. Oleh karena itu diperlukan suatu model untuk dapat memprediksi secara cepat dan akurat ketidakstabilan sistem keuangan yang mungkin terjadi. Penelitian ini bertujuan untuk membangun model Artifical Neural Network (ANN) sebagai sistem peringatan dini untuk memprediksi kegagalan perbankan berdasarkan kepatuhan bank. Penelitian ini menggabungkan faktor internal dan eksternal yang mempengaruhi kinerja perbankan sebagai indikator. Hasil penelitian ini membuktikan bahwa ANN dapat digunakan sebagai metode alternatif untuk mendeteksi tingkat keberlanjutan suatu bank.
Financing Funding Strategy Professionalism of Indonesian Migrant Workers As the Current Account Deficit Solution Reny Fitriana Kaban; Selamet Riyadi
Gorontalo Development Review Volume 3 Nomor 2 Oktober 2020
Publisher : Universitas Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (425.409 KB) | DOI: 10.32662/golder.v3i2.1150

Abstract

This research aims to describe the phenomenon of the current account deficit problem in Indonesia especially service balance for the last ten years due to a low number of migrant workers in the formal sector, despite the increase of remittance numbers. The research method is descriptive exploratory, which describes and analyses accurate data such as BI annual reports, data from BP2MI (previously BNP2TKI), and data from related institutions also some supportive kinds of literature. The Result shows the professionalism of Indonesian Migrant Workers has proven in making a significant contribution to increase the remittance and solve the deficit of the current account. Authors recommend the Synergy and Coordination of Funding Financing (SCFF) strategy concept which involves various concerning sectors as a solution for the current account deficit.