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ANALYSIS OF CAPITAL ADEQUACY RATIO, FINANCING TO DEPOSIT RATIO, OPERATIONAL COSTS OPERATIONAL REVENUE, AND NON PERFOMING LOAN ON PROFITABILITY OF BANK RAKYAT INDONESIA MAKASSAR BRANCH Stephanie Aurea Mettha Puspita; Syamsu Alam; Erlina pakki
Scientium Management Review Vol. 2 No. 1 (2023): Scientium Management Review
Publisher : Scientia Integritas Utama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56282/smr.v2i1.385

Abstract

This study aims to examine and find out how the effect of Capital Adequacy Ratio (CAR), Financing to Deposit (FDR), Operating Income Operational Costs (BOPO), and Non-Performing Loans (NPL) on Return On Assets (ROA) at Bank BRI Makassar Branch. . This research is a quantitative research by analyzing ratios and using multiple linear regression analysis. The results show that the CAR variable has no significant and negative effect on ROA, this is because high CAR used to cover the risk of loss or assets that contain risks can reduce the bank's ability to expand its business. FDR has a positive and significant effect on ROA, which means that increased FDR absorption can cause ROA to increase and the increase in the number of loans given by banks will increase the level of public confidence. BOPO has a significant and negative effect on ROA, which means a low BOPO ratio so that banks can minimize operational risks derived from the large value of operating income. NPL has a significant and negative effect on ROA, this shows that the increasing number of non-performing loans makes banks not dare to increase lending, especially since the total third party funds received by banks are not optimal, causing bank liquidity to be disrupted. However, CAR, FDR, BOPO and NPL show that simultaneously or simultaneously have an effect on ROA with a determinant value of 0.82%.
THE EFFECT OF GROWTH OPPORTUNITY, LEVERAGE, AND DIVIDEND ON INVESTMENT DECISIONS IN INDUSTRIAL SECTOR COMPANIES BEI REGISTERED PHARMACY PERIOD 2015-2019 Muhanniah; Muhammad Ali; Erlina Pakki
Journal of Accounting Issues Vol. 2 No. 2 (2023): Journal of Accounting Issues
Publisher : Scientia Integritas Utama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56282/sar.v2i2.435

Abstract

The organization's management is required to make a number of financial decisions, including investment decisions. For making investment decisions, factors from within the company, like growth potential, leverage, and dividends, are taken into account in this study. This study proposes to examine the effects of growth potential, leverage, and dividends on investment decisions. Companies that have become public and are listed in Indonesia for the years of 2015 to 2019 a company called the primary focus of this researcher's research in the pharmaceutical industry area was exchange. The methodology employed is secondary data research with a quantitative approach. Purposive sampling was used, and a sample size of 35 enterprises was used. Multiple-linear-regression is the approach taken to analyze the data. According to the study's conclusions, it is obvious that.
Training on Business Planning Using Business Canvas Models I Nyoman Tri Sutaguna; Akhmad Nur Zaroni; Erlina Pakki; Arief Yanto Rukmana; Puspita Puji Rahayu
Cakrawala: Jurnal Pengabdian Masyarakat Global Vol. 2 No. 3 (2023): Cakrawala: Jurnal Pengabdian Masyarakat Global
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/cakrawala.v2i3.1389

Abstract

The business world is expanding in Indonesia right now, especially among millennials and start-ups in this case. They must, however, have a mature and well-defined corporate plan because of the intense rivalry and challenging obstacles they encounter. Because the Business Model Canvas can summarize a business strategy on a dialog box page with 9 items, it is believed to be simple, comprehensive, and effective for business planning. The purpose of this service project is to offer BMC model-based business advice and training to Taruna Bakti Bandung Senior High School students. Counseling methods included the lecture style and focus group discussions (FGD). As a result of their community service projects, students are able to develop company ideas using the BMC model.