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ANALISIS RASIO SOLVABILITAS PADA PT BANK SULUT kalesaran, Christie Natalia; Pelleng, Frendy; Keles, Dantje
JURNAL ADMINISTRASI BISNIS (JAB) Vol 1, No 002 (2014): Administrasi Bisnis
Publisher : Sam Ratulangi University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35797/jab.1.002.2014.5154.%p

Abstract

: To cover the shortage of funds, the company will need to obtain funds from its own capital and of leadership. When combining these two sources of funds is called the ratio of borrowed funds or solvency ratio or leverage ratio, which recognizes the extent of the company's assets is financed by debt. The solvency ratio is a tool to measure the wealth assessment company. For this study entitled: Solvency Ratio Analysis in PT Bank of North Sulawesi. Analysis solvency ratio is the ratio used to measure the extent to which the company's assets financed with debt, so that the company can measure the ability to pay all of its liabilities, both short and long term. This study used a descriptive method and analyze the company's financial statements, in particular the analysis the solvency of the PT Bank of North Sulawesi. To determine the extent of the bank's ability to seek funding, to finance their activities and the ability of some element of equity to assets in terms of efficiency. The results show that financial performance under conditions of solvability is the source of funds and property companies, total assets and total liabilities of the company is likely to increase from year to year. Primary level ratio showed a trend increase from year to year; Risk Assets Ratio levels tended to increase from year to year; Capital Ratio experienced a rising trend from year to year, except in 2012 due to declining reserves or losses on earning assets. So the Capital Adequacy Ratio (CAR) also showed rising trend. In conclusion, the level of Primary Ratio, Risk Assets Ratio, Capital Ratio and Capital Adequacy Ratio (CAR) shows the trend of the increase; PT Bank of North Sulawesi can be said as a solvent company, the level of capital adequacy or CAR can be met from 2010 to 2013. As a suggestion, the company's ability to raise or provide funds rely more improved, can satisfy funding for operational activities, in order to increase the level of CAR PT Bank of North Sulawesi remains solvable. Key Word : (Analysis, Solvency Ratio)
PENGARUH KUALITAS PELAYANAN TERHADAP KEPUASAN NASABAH BRITAMA STUDI KASUS PADA PT. BRI (PERSERO) TBK, CABANG MANADO PINAESAAN Sinaga, Nova Uli; Sumampouw, Harry; Keles, Dantje
JURNAL ADMINISTRASI BISNIS (JAB) Vol 1, No 002 (2014): Administrasi Bisnis
Publisher : Sam Ratulangi University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35797/jab.1.002.2014.5157.%p

Abstract

This study is based on the thought of several factors that affect customer satisfaction with the Bank. Competition in the banking business world is very tight, with a large number of banks and their varying competing products or services offered. Currently the bank takes effort to get potential customers and retain existing customers. By understanding the needs, wants and demands of customers, by providing quality service banking firms, banks must meet at least five criteria of quality of service is often called RATER so can create loyal customers, namely reability, assurance, tangible (physical evidence), empathy (communication), and responsiveness (quick response) to meet the criteria of the quality of service it will be creating customer satisfaction. The event is held at. BRI (Persero) Tbk, Branch Pinaesaan Manado, with the aim to determine influence of service quality on customer satisfaction BritAma. In addition this study are expected to be input to the leadership and employees of PT. BRI (Persero) Tbk, Branch Manado Pinaesaan and a contribution in solving the problem. Research was conducted by the method of observation, interviews, and questionnaires were addressed to the 50 respondents, of which each respondent had to fill out a list of questions. The results of this study to answer the hypothesis; There is a significant relationship that affects service quality on customer satisfaction, with significant power shows that the determinants of satisfaction or customer satisfaction BritAma depends on these factors are very strong worth the balance of other factors. The results of the t test or correlation thus factors that affect customer satisfaction BritAma is significant at confidence level. Key words: quality of service, customer satisfaction
ANALISIS PERBANDINGAN KINERJA KEUANGAN SEBELUM DAN SESUDAH MERGER (studi kasus pada PT. XL Axiata Tbk) Sajow, Yunita Elshadai; Manoppo, W.S.; Keles, Dantje
JURNAL ADMINISTRASI BISNIS (JAB) Vol 5, No 002 (2017): Jurnal Adminnistrasi Bisnis
Publisher : Sam Ratulangi University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35797/jab.5.002.2017.16114.%p

Abstract

The background in this study is to make the merger as one of the techniques for a company to survive in today's tight competition and also so that a company can strengthen its capital structure. The purpose of this study is to analyze whether there are differences in corporate financial performance before and after the merger based on financial ratios. Benefits in this study is as a source of corporate information on the financial performance of the company, so that later investors will be more appropriate in making investments.Company's financial performance is measured by using the financial statements consisting of income statement and balance sheet in the period 2012 to 2015, with data source namely secondary data obtained from Indonesia stock exchange in the period 2 years before the merger of 2012-2013 and 2 years after the merger 2014-2015. Comparison of financial ratio analysis is done by using several ratios, namely Profitability Ratio, Activity Ratio, Liquidity Ratio and Solvency Ratio. And also use data analysis techniques that is financial ratios.The results of the calculation of 8 financial ratios used, there are 6 financial ratios that decreased after the merger activities are Net Profit Margin, Gross Profit Margin, TurnOver Total Assets, Fixed Assets TurnOver, Debt Ratio and Debt To Equity Ratio. And 2 financial ratios of Current Ratio and Cash Ratio increased after conducting merger activity. It can be concluded that this company experienced a lot of decline in financial performance when conducting merger activity. As one of the suggestions, the company should review the cooperation or penggabunngan this business because based on the analysis of financial ratios, when companies merger financial performance decreased while the company is still standing alone or single financial performance is very good.Keywords: Financial Ratios, Financial Performance and Merger
PENGARUH SEMANGAT DAN DISIPLIN KERJA TERHADAP PRODUKTIVITAS KARYAWAN PADA PT HASJRAT ABADI MANADO Regar, Wuena S.F.; Keles, Dantje; Tumbel, Tinneke M.
JURNAL ADMINISTRASI BISNIS (JAB) Vol 5, No 1 (2017): JURNAL ADMINISTRASI BISNIS
Publisher : Sam Ratulangi University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35797/jab.5.1.2017.15011.%p

Abstract

Abstract. The purpose of this study was to determine the influence of the spirit and discipline on employee productivity at PT. Hasjrat Abadi Manado, either partially or simultaneously. This study uses multiple regression analysis, the independent variables morale (X1) and discipline (X2), and the dependent variable labor productivity (Y). The total sample of 65 respondents, and to test the hypothesis, F test and t test From the analysis of the data obtained the following regression equation: Y = 5.887 + 0.58 X1 + 0.508 X2 + 2. The coefficient of determination (R2) is approximately 0.354 provides that the actual research work productivity can be explained by two independent variables, that is spirit and working discipline at 35.4%. While the remaining 64.6% influenced by other variables not studied. The amount of F count = 18.568> F table = 3.145 with significant level p value = 0.00 <0.05 it can be concluded that Ho refused or Ha accepted which means the spirit and discipline of work affect the productivity of employees. To test t obtained spirit (X1), t = 3,708> t table = 2.042 and significance p value = 0.000> 0.05 it can be concluded that Ho is rejected and Ha accepted, or spirit and discipline effect on employee productivity. Keywords: Spirit, Discipline of Work, Work Productivity
ANALISIS KINERJA KEUANGAN BERBASIS ECONOMIC VALUE ADDED (EVA) PADA PT. BANK SULUTGO Sondakh, Marcelino; Mangindaan, J. V.; Keles, Dantje
JURNAL ADMINISTRASI BISNIS (JAB) Vol 5, No 002 (2017): Jurnal Adminnistrasi Bisnis
Publisher : Sam Ratulangi University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35797/jab.5.002.2017.16281.%p

Abstract

The purpose of this study is to find out how much Economic Value Addedgenerated by PT. Bank SULUTGO in 2014-2016. It is known that PT. Bank SULUTGOis a regional bank of North Sulawesi and Gorontalo which owns shares from variousregions and several companies. It is known that the capital annually PT. BankSULUTGO in 2014-2016 always increases. But with the increase in capital whether ithas made the company able to improve the performance of the company or increase therevenue of the company so as to be able to distribute the fair share of the results to theshareholders of the company. The purpose of this study is "Financial PerformanceAnalysis Based on Economic Value Added at PT. Bank SULUTGO". Financialperformance is needed by the company to evaluate the performance or as a foundationof the company to improve the company's performance. Financial performanceaccording to Ikatan Akuntansi Indonesia (2007) is the determination of the company'sability to manage and control its own resources. While EVA is an effectivecommunication tool for value creation that can be reached by line managers thatultimately drive company performance and to connect with capital markets (Young andO'Bryne, 2001). The research method used is quantitative descriptive method by usinganalysis tools in the form of Economic Value added to calculate NOPAT, InvestedCapital, WACC, Capital Charges and EVA. Based on the results of research EVAanalysis at PT. Bank SULUTGO 2014-2016 year turned out to fluctuate because EVAcompanies every year down and up. Nevertheless PT. Bank SULUTGO turned out tohave created a positive value in the company in 2014-2016. In 2014 the company is ableto create EVA of Rp. 97,596 (in millions of rupiah), but in 2015 the company's EVAdecreased by 26.08% to Rp. 72,140 (in millions of rupiah) and in 2016 again increasedby 34.01% to Rp. 96,680 (in millions of rupiah). Thus the management has been able tocreate a positive value on the company well and shareholders can entrust theirinvestment to the company.Keywords: Economic Value Added (EVA), Financial Performance
ANALISIS TINGKAT KESEHATAN BANK MENGGUNAKAN METODE RGEC PADA PT. BANK SULUTGO PERIODE 2014-2016 Gandawari, Yeusy; Areros, William A.; Keles, Dantje
JURNAL ADMINISTRASI BISNIS (JAB) Vol 5, No 003 (2017): JURNAL ADMINISTRASI BISNIS UNSRAT
Publisher : Sam Ratulangi University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35797/jab.5.003.2017.16828.%p

Abstract

The business activities of the bank are always faced with risks that are closely related to its function as a financial intermediation institution, required the assessment of the level of health of banks to increase public confidence against a bank research purposes of knowing the level of Bank Health on PT. Bank SulutGo reviewed aspects ofRGEC in 2014-2016. Based on reviews of existing problems, this research was conducted with the use ofex-post facto approach. The study was conducted to examine the events that have happened and then meruntut back to find out the factors that may cause the incident the results of the research and data analysis that has been done shows the risk profile (Risk Profile) SulutGo bank using two indicators of credit risk factors, namely by using the ratio of NPL and liquidity risk ratio LDR during the year 2014-2016 in a roware in healthy condition; Good Corporate Governance (GCG), Bank SulutGo in 20142015 composite gained 3 which shows quite well in the implementation of corporate governance and in 2016 rose to composite 2 which reflects that corporate governance is getting better; entabilitas (earnings) bank SulutGo by using the indicators i.e.ROA, ROE, NIM and BOPO during 2014-2016 are in a healthy condition, the value ofthe average ROA, ROE, NIM and BOPO obtained shows that the bank SulutGo has successfully run their operations effectively; The results of the assessment of capital(capital) SulutGo Bank during the year are in healthy condition is 20142016, which is above the minimum standard set by the Bank of Indonesia that is 8%. This suggests that during that period the bank SulutGo have been able to manage capital well.   Keywords: Bank, Methods Of Health Rgec
ANALISIS KINERJA KEUANGAN PADA PT.BANK DANAMON, TBK. THERESIA, MEIRUNTU INGELIN; RUNTUWENE, R.; KELES, DANTJE
JURNAL ADMINISTRASI BISNIS (JAB) Vol 4, No 4 (2016): Jurnal Administrasi Bisnis
Publisher : Sam Ratulangi University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35797/jab.4.4.2016.13825.%p

Abstract

ABSTRACT : The purpose of this study to analyze financial performance. Bank Danamon Tbk. the years 2011-2015 using CAMEL ratio that includes the capital, assets, management, earnings and liquidity. Implementation of the health assessment PT. Bank Danamon Tbk. done in a way to qualify some of the components of each of the factors, namely components Capital (Capital), Asset (Asset), Management (management), Earning (Profitability), Liquidity (liquidity) or abbreviated terms CAMEL. CAMEL is a crucial factor in the health of a bank predicate. The aspects of one another are interrelated and inseparable. The results of the assessment of financial performance CAMEL ratios indicating that from the aspect of capital owned by PT. Bank Danamon Tbk. turned out to be above 8%, so PT. Bank Danamon Tbk. have sufficient capital to cover all risks arising from the investment of funds in productive assets that support the risk. Then, from the aspect of management as measured by Net Profit Margin found to comply with the provisions of Bank Indonesia and other than that from the aspect of earning and liquidity achieved by PT. Bank Danamon Tbk. in accordance with the provisions of Bank Indonesia. The results showed that the level of health of PT. Bank Danamon Tbk. for 5 years the period 2011-2015 was included in the healthy category. Rate the level of health in 2011 was included in the healthy category with a total credit value of 83.5, in 2012 relatively healthy with a total credit value of 86.25, relatively healthy in 2013 with a total credit value of 90.05, 2014 classified as healthy with total credit score of 91.05 and 2015 are included in the healthy category with a total credit value of 88,13. From the results of the assessment of financial performance and its relation with CAMEL ratio, it can be said that over the last 5 years (2011-2015), which showed that the financial performance achieved by PT. Bank Danamon Tbk. are at a healthy predicate. Keywords: analysis financial performance ratio of CAMEL
Pemanfaatan Fasilitas Kredit Usaha Rakyat (KUR) Terhadap Peningkatan Usaha Mikro Kecil Dan Menengah (UMKM) (Studi Kasus Bank Mandiri Kantor Kas Manado Paal Dua) Mokalu, Olivia Johana; Montolalu, John; Keles, Dantje
JURNAL ADMINISTRASI BISNIS (JAB) Vol 6, No 001 (2018): JURNAL ADMINISTRASI BISNIS UNSRAT
Publisher : Sam Ratulangi University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35797/jab.6.001.2018.19222.%p

Abstract

The aim of this research to know how big the influence of giving KUR concern to raising effort little micro and medium in Manado city. Citizenry effort credit is working capital finance to productive and viable business debtors but not having additional collateral or additional collateral is sufficient. Form of research using on this research is correlational research with quantitative analysis. This research doing in Mandiri Bank in Paal 2, with population 102 customer and 51 sample costumer. Analysis technique using in this research is simple regression analysis. The result in this research show the strong relationship between giving KUR with increase UMKM seeing from the result and from the result determination coefficient that means the relation between Mandiri Bank is determine by giving KUR through regression similarity. Remnant determined by another factor. The summary of this research have an effect to increase UMKM. The verification doing with T-test with Tarithmetic to X (KUR) and Ttable in significant that means comparison between Tarithmetic and Ttable is tarithmetic more than ttable. Suggestion from research are other people that giving KUR as Mandiri Bank to help agent of business to increase the business and its better for business agent to get more information that can advance their business. Keyword: Citizenry Effort Credit (KUR), Little and Medium Micro Effort (UMKM)
ANALISIS RASIO MODAL KERJA PADA PT. HM SAMPOERNA TBK Manengkey, Anggelina; Pelleng, Frendy A. O; Keles, Dantje
JURNAL ADMINISTRASI BISNIS (JAB) Vol 5, No 003 (2017): JURNAL ADMINISTRASI BISNIS UNSRAT
Publisher : Sam Ratulangi University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35797/jab.5.003.2017.16565.%p

Abstract

Working capital is very important for any company, because almost allcompanies need working capital to finance the day-to-day operations of thecompany. Companies must be able to manage working capital well so thatoperational activities can run smoothly and can achieve the optimal profit asexpected by the company. This study aims to analyze and know how theworking capital adequacy ratio. This research was conducted at PT. HMSampoerna Tbk. According to Sutrisno (2009), "Working capital is one ofthe elements of assets that are very important in the company becausewithout working capital the company cannot fill the necessity to run theactivities". The method used in this study is descriptive quantitative andanalysis tool used is Working Capital Adequacy Ratio which consists of threetypes of ratios are the ratio of Total Assets to Net Working Capital, CurrentLiabilities to Net Working Capital and Working Capital Turnover. The dataused are secondary data from financial statements namely balance sheet andincome statement from PT. HM Sampoerna Tbk. The results of the studyexplain that the calculation of the ratio of Total Assets to Net WorkingCapital in 2013 to 2016 is quite good. While the calculation of CurrentLiabilities to Net Working Capital Ratio in 2013 and 2014 is quite good, butthe calculation results in 2015 and 2016 decreased to 0.17 and 0.23. And thecalculation results Working Capital Turnover in 2014 increased, but thendeclined in 2015 and 2016, indicating liquidity on this ratio more effective.Overall working capital at PT HM Sampoerna Tbk has good working capitalmanagement. The results of the working capital adequacy ratio analysis willgive an idea of how the company can manage its working capital. Liquiditylevel at PT. HM Sampoerna Tbk is quite good. This indicates that theadequacy of working capital at PT. HM Sampoerna Tbk is quite stable. Werecommend PT. HM Sampoerna Tbk can use and allocate working capitaloptimally. So the company can cover its short-term liabilities in order for thecompany to generate profit in each period.Keywords: Working Capital, Net Working Capital, Working Capital Ratio
ANALISIS KINERJA KEUANGAN PADA PT GUDANG GARAM, TBK Huntojungo, Febriani; Ferdinand Runtuwene, Roy; Keles, Dantje
JURNAL ADMINISTRASI BISNIS (JAB) Vol 5, No 003 (2017): JURNAL ADMINISTRASI BISNIS UNSRAT
Publisher : Sam Ratulangi University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35797/jab.5.003.2017.16704.%p

Abstract

Summary. The performance of the company's financial statements stable financial condition is seen in 2014 sales increased from year to year, ranging from 65% in 2012 to 66.8% in 2013 and reached 68% in 2014. While in 2015 Sales decreased Each by 0.5% to 60.9 billion cigarettes. The main question in this study is "How Financial Performance Analysis at PT Gudang Garam?". This study aims to determine the financial performance at PT. Gudang Garam Tbk period of 2011 to 2015. According Munawir (2002), financial statements is one of the financial information sourced from internal companies concerned. Financial statements. Company performance is a description of the financial position of a company that is analyzed with the tools of financial analysis, so it can be known about the good financial situation of a company. To analyze the financial statements, then one method. The visual ratio of a relationship or balance (mathematical relationship) between a certain amount to another amount. The types of financial ratios used are: Liquidity Ratio, Solvency Ratio, Rentability Ratio. Based on the results of financial ratio analysis. Ratios, ratios and ratios of profitability indicate the company's financial performance is in good condition. Fluctuate. The results of the company's performance. On ratio. Solvency ratios and ratios. When the profitability ratio shows a result that has not been maximized. Then it can be concluded the financial condition of the company PT. Gudang Garam Tbk is in good condition. In this case the company must be able to maintain good financial performance that is liquidity, solvency and profitability. Keywords: Performance Analysis, Liquidity, Solvency, Profitability.