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All Journal Jurnal Terapan Ilmu Ekonomi Manajemen dan Bisnis (JTIEMB) Jurnal Riset Manajemen
M Yusuf
Politeknik Negeri Sriwijaya
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Prediksi Financial Distress pada Perusahaan Credit Suisse Group AG Periode 2013-2022 Lidyana Syaputri; M Yusuf; Afrizawati M; Hendra Sastrawinata
Jurnal Terapan Ilmu Ekonomi, Manajemen dan Bisnis Vol. 4 No. 1 (2024): Jurnal Terapan Ilmu Ekonomi, Manajemen dan Bisnis April 2024
Publisher : Politeknik Negeri Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.11140399

Abstract

The purpose of this study is to find out if Credit Suisse Group AG companies experience financial distress or are healthy companies using the Grover (G-Score) method in the period 2013 – 2022. Credit Suisse companies are companies engaged in banking services. The type of data used as the focus of this research is quantitative which is based on the financial statements of Credit Suisse Group AG for the period 2013 to 2022. And the analysis variable used is the Grover method approach (G-Score). The results of the study can be concluded that the Credit Suisse Group AG company in the 2020-2022 period is in the category of an unhealthy company (Financial Distress) with the result of each negative Grover ratio, the G value is smaller than -0.02. The company will certainly experience financial problems or financial distress for the next few years, this is caused by the company's debt which continues to increase every year. And also the company's debt has exceeded the company's current assets so that the value of the company's working capital is at a negative value. For further research, it is recommended to add other financial distress method variables so that the research results are more accurate.
Pengaruh Harga dan Promosi terhadap Minat Membeli Produk Cicil Emas di PT Pegadaian Cabang Palembang Shabirah Mayzahra; M Yusuf; Andriansyah Bari
JURNAL RISET MANAJEMEN (JURMA) Vol 4 No 3 (2026): September: JURNAL RISET MANAJEMEN (JURMA)
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jurma.v4i3.4800

Abstract

Along with the increase in gold prices and the high need for alternative gold purchases in installments, there has also been an increase in public interest in gold investment. This condition causes competition between financial institutions in offering gold installment products, and requires PT Pegadaian to understand the factors that affect customer interest. This study uses a quantitative method with a descriptive approach. The respondents in this study amounted to 100 respondents who were determined by the Lemeshow formula with a simple random sampling technique. Data collection was carried out through a questionnaire with a likert scale. The data were analyzed by descriptive statistical analysis, instrument test, classical assumption test, and multiple linear regression analysis with the help of the SPSS program.  Based on the results of the simultaneous test, it is known that the significance value is < 0.001 where this value is less than 0.05, so that prices and promotions have a positive and significant effect on the interest in buying gold installment products. In addition, the partial test showed that the significance value for the Price variable was 0.003 < 0.05 with a tcal value of 3.092 > 1.96, and the significance value of the Promotion variable was 0.001 < 0.05 with a tcal value of 3.746 > 1.96. This means that partially, prices and promotions also affect the interest in buying gold installment products at PT Pegadaian Palembang Branch.
Co-Authors Afrizawati M Andriansyah Bari Hendra Sastrawinata Lidyana Syaputri Shabirah Mayzahra