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PENGARUH CAPITAL ADEQUACY RATIO TERHADAP RETURN ON ASSET (STUDI KASUS BANK BUMN PERIODE 2019-2023) Zidane, Rizal; Megawati, Liya
JAMBURA: Jurnal Ilmiah Manajemen dan Bisnis Vol 7, No 3 (2025): JIMB - VOLUME 7 NOMOR 3 JANUARI 2025
Publisher : Universitas Negeri Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37479/jimb.v7i3.30018

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh capital adequacy ratio terhadap ROA Bank BUMN Periode 2019-2023. Metode yang digunakan dalam penelitian ini adalah metode kuantitatif dengan teknik analisis data menggunakan regresi linier sederhana. Penelitian ini menggunakan metode pengambilan probability sampling, yaitu teknik simple random sampling atau pengambilan sampel secara acak. Sampel penelitian ini sebanyak 4 perbankan yang merupakan Bank BUMN. Penelitian ini menggunakan data sekunder yang diperoleh melalui laporan keuangan yang diperoleh dari laman OJK (Otoritas Jasa Keuangan) periode 2019-2023. Metode analisis data menggunakan softwere SPSS 22 untuk memperoleh hasil analisis regresi linear sederhana. Berdasarkan hasil penelitian menunjukkan bahwa capital adquacy ratio (CAR) berpengaruh signifikan terhadap Return On Asset (ROA).
ESG Implementation in the International Financial System: A Literature Review of Challenges, Opportunities, and Global Standards Ariq Farhan Widiyanto; Dharma Adita; Liya Megawati
Journal Informatic, Education and Management (JIEM) Vol 8 No 1 (2026): FEBRUARY (CALL FOR PAPERS)
Publisher : STMIK Indonesia Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61992/jiem.v8i1.215

Abstract

This study examines the implementation of Environmental, Social, and Governance (ESG) principles in the international financial system as part of the global transformation toward sustainable economics. ESG serves as a strategic framework integrating environmental, social, and corporate governance dimensions into investment and financing decision-making across nations. The study employs a literature review method with a qualitative descriptive-conceptual approach, aiming to identify challenges, opportunities, and directions for harmonizing global ESG standards. Findings indicate that ESG implementation at the international level still faces several challenges, including inconsistent reporting standards, limited non-financial data, and low institutional readiness in developing countries. Nevertheless, opportunities for harmonization are growing through the establishment of the International Sustainability Standards Board (ISSB) and the implementation of Indonesia’s Sustainable Finance Roadmap Phase II (2021–2025) by the Financial Services Authority (OJK). ESG has been shown to positively influence corporate reputation, financial performance, and long-term financial stability. Therefore, effective ESG implementation requires synergy among governments, international institutions, and the private sector to realize a transparent, inclusive, and sustainable global financial system.
Pengaruh Inflasi dan Nilai Tukar Rupiah Terhadap Return Saham Tahun 2020-2024 Husnina, Najla Nurul; Hendriyani, Rina Maria; Manda, Gusganda Suria; Megawati, Liya
SEIKO : Journal of Management & Business Vol 9, No 1
Publisher : Program Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/sejaman.v9i1.10517

Abstract

Studi Ini Dilakukan Untuk Mengkaji Dampak Inflasi Dan Kurs Rupiah Terhadap Pengembalian Saham Di Pasar Indonesia Selama Tahun 2020 Hingga 2024. Dengan Memanfaatkan Data Sekunder Yang Diperoleh Dari Bank Indonesia (BI) Dan Badan Pusat Statistik (BPS), Analisis Dilakukan Menggunakan Teknik Regresi Linier Berganda Dengan Bantuan Perangkat Lunak SPSS Versi 26. Temuan Penelitian Mengungkapkan Bahwa Baik Inflasi Maupun Kurs Rupiah Tidak Memberikan Pengaruh Signifikan Terhadap Pengembalian Saham, Baik Secara Individual Maupun Secara Bersamaan. Koefisien Determinasi (R²) Sebesar 0,055 Menandakan Bahwa Kedua Variabel Tersebut Hanya Mampu Menjelaskan 5,5% Variabilitas Pengembalian Saham, Sedangkan 94,5% Sisanya Dipengaruhi Oleh Faktor-Faktor Eksternal Di Luar Model Yang Digunakan.
A Qualitative Comparison of Cross-Border QRIS and Global Card Networks Adita, Dharma; Widiyanto, Ariq; Megawati, Liya
Journal Informatic, Education and Management (JIEM) Vol 8 No 1 (2026): FEBRUARY (CALL FOR PAPERS)
Publisher : STMIK Indonesia Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61992/jiem.v8i1.223

Abstract

This study examines the strategic role of Cross-Border Quick Response Code Indonesian Standard (QRIS) as a transformative alternative to conventional international payment systems, specifically comparing its operational efficiency and cost structure against Visa and Mastercard networks. Employing a descriptive qualitative method and secondary data synthesis from 2020–2025, the study explores linkages between Indonesia, Malaysia, and Singapore within ASEAN’s digital payment ecosystem. Findings demonstrate that Cross-Border QRIS significantly reduces transaction costs through lower Merchant Discount Rates (MDR) and accelerates settlement under the Local Currency Settlement (LCS) framework. Additionally, it contributes to regional “dedollarization” and enhances digital sovereignty by fostering domestic control over payment infrastructure and transaction data. Despite these advantages, card networks remain superior in global coverage and fraud prevention. The research concludes that an optimal payment ecosystem requires a hybrid adoption model combining QRIS efficiency with the international reach of card schemes.
PENGARUH JUMLAH UANG BEREDAR DAN NILAI TUKAR RUPIAH (KURS) TERHADAP TINGKAT INFLASI DI INDONESIA PERIODE TAHUN 2017-2024 Nuralifah, Eva Amalia; Pardistya, Irvan Yoga; Megawati, Liya
Jurnal Maneksi Vol. 15 No. 1 (2026): Maret
Publisher : Politeknik Negeri Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31959/jm.v15i1.3659

Abstract

Introduction: This study aims to analyze the influence of the money supply and the rupiah exchange rate on the inflation rate in Indonesia during the 2017-2024 period. This study is motivated by inflation fluctuations influenced by various macroeconomic factors, including monetary policy, money circulation dynamics, and exchange rate changes.Methods: The research method is quantitative, using multiple linear regression analysis. The data used include the inflation rate, the money supply, and the rupiah exchange rate..Results: The results of the descriptive analysis show that the money supply and the exchange rate experienced an increasing trend with fluctuations throughout the observation period. Partial tests indicate that the money supply has no significant effect on inflation. Similarly, the rupiah exchange rate also shows no significant effect on the inflation rate. Simultaneous tests conclude that neither variables significantly affect inflation.Conclusion and suggestion: These findings indicate that inflation in Indonesia is more influenced by other factors such as fiscal policy, domestic demand, and global commodity prices. Therefore, coordination of fiscal and monetary policies is necessary to maintain economic stability. Keywords: Exchange Rate, Inflation, Money Supply
Pengaruh Inflasi dan Suku Bunga Terhadap Harga Saham Perusahaan Perbankan yang Terdaftar di Indeks Lq45 Bursa Efek Indonesia Periode 2020-2024 Risma Ariyani; Kosasih; Suhono; Megawati, Liya
JEMBA Vol 5 No 2 (2025): Journal of Economics, Management, Business and Accounting
Publisher : Fakultas Ekonomi dan Bisnis Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34010/jemba.v5i2.18468

Abstract

The capital market plays a strategic role in the economy as a medium for long-term fund mobilization and an investment alternative. Changes in macroeconomic conditions, particularly inflation and interest rates as monetary policy instruments, may affect stock market performance, including the banking sector. This study aims to analyze the effect of inflation and interest rates on the stock prices of banking companies included in the LQ45 index during the 2020-2024 period. A quantitative approach using descriptive analysis and multiple linear regression was employed. The data were obtained from banking companies consistently listed in the LQ45 index. The results indicate that inflation does not have a significant partial effect on banking stock prices, while interest rates have a significant negative effect. However, inflation and interest rates simultaneously have a significant influence on banking stock prices. These findings suggest that macroeconomic factors collectively play an important role in determining banking stock performance and should be considered in investment decision-making
Analisis Common Size Pada Pt Unilever Tbk, Pada Priode 2019-2021 Sebagai Indikator Untuk Mengukur Kinerja Keuangan Nasution, Hermansyah; Megawati, Liya
Jurnal Ilmiah Wahana Pendidikan Vol 12 No 1.C (2026): Jurnal Ilmiah Wahana Pendidikan
Publisher : Peneliti.net

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

Abstract

This study aims to analyze the financial performance of PT. Unilever Indonesia Tbk, using the Common Size method in the 2019-2021 period. The Common Size method is used to compare changes in the proportion of each item in the financial statements during the period studied, thus providing a clearer picture of the company's financial structure and performance. This research uses financial data taken from the annual financial statements of PT Unilever Indonesia Tbk during the 2019-2021 period. Common Size analysis is carried out by descriptive analysis methods with a quantitative approach to determine company performance. This research method is used to analyze data by describing or describing the data that has been collected objectively, so as to provide a clear picture of the financial performance of Unilever Indonesia Tbk. Priode 2019 - 2021 in the form of percentage numbers from the account contained in the balance sheet and income statement using common size analysis. This type of quantitative data is used in processing information in the form of numbers in financial statements into percentages of total assets.