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All Journal Ekonomi Bisnis Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi International Journal Management and Economic (IJME) Jurnal Ekonomi dan Manajemen (JEKMA)
Ana Dwi Pertiwi
Universitas Gunadarma
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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FINANCIAL TRANSPARENCY ON THE WEBSITE IN ASIAN BANKING INDUSTRY Ana Dwi Pertiwi; Budi Hermana
Jurnal Ilmiah Ekonomi Bisnis Vol 22, No 2 (2017)
Publisher : Universitas Gunadarma

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (261.482 KB)

Abstract

New regulation of Bank Indonesia is required Indonesian banking to have a website to publish financial report though their website in order to improve transparency. Internet is considered as one of media which have a close relationship with transparency. This study was conducted to know financial transparency on the website in Asian banking industry. In this study, financial transparency on the website was measured by using internet financial reporting index. This study also evaluates the relationship performance, internet financial reporting index, information richness and website popularity. Sampling technique used in this study was purposive sampling. The samples in this study were 144 banks in Asia. And, an analytical technique in this study was Structure Equation Model (SEM) based components or Partial Least Square (PLS) with the help of Smartpls 2.The results of this study show that all of Asian banking in this study was implemented internet financial reporting. The results of this study also show that performance has a significant relationship to website popularity indirectly through information richness, the performance hasn’t a significant relationship to website popularity indirectly through internet financial reporting but internet financial reporting is influenced by performance, and the performance hasn’t a significant relation directly to website popularity. Keywords: banking; financial disclosure; internet financial reporting index
ASSESSMENT OF STATE-OWNED BANK HEALTH LEVEL USING THE RGEC METHOD DURING THE COVID-19 PANDEMIC Ana Dwi Pertiwi
International Journal Management and Economic Vol. 1 No. 2 (2022): Mei: International Journal Management and Economic
Publisher : Asosiasi Dosen Muda Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1243.083 KB) | DOI: 10.56127/ijme.v1i2.114

Abstract

In March of 2020, the Covid-19 virus reached Indonesia. Almost every industrial sector in Indonesia has been negatively affected including banking industry. This study aims to analyze how the health level of state-owned banks during the Covid-19 pandemic is using the RGEC method. The data used in this study is the annual report of state-owned bank for the 2020-2021 period. Sample in this study is state owned bank. The data analysis technique used in this research is by analyzing financial statements using the RGEC method. The result of this study shows that in 2020 and 2021 Bank Rakyat Indonesia (Persero) Tbk and Bank Mandiri (Persero) Tbk received a Very Healthy rating. Bank Tabungan Negara (Persero) received a Healthy rating in 2020 and 2021. Bank Negara Indonesia (Persero) Tbk received a Fairly Healthy rating in 2020, and in 2021 it received a Healthy rating.
ANALISIS PERBANDINGAN RASIO PROFITABILITAS BANK (STUDI KASUS PADA PT. BANK PAN INDONESIA TBK. DAN PT. BANK PERMATA TBK. PERIODE TAHUN 2014-2021) Ana Dwi Pertiwi
Jurnal Ekonomi dan Manajemen Vol. 2 No. 1 (2023): Februari: Jurnal Ekonomi dan Manajemen
Publisher : Asosiasi Dosen Muda Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56127/jekma.v2i1.462

Abstract

The economic level in developing countries can be seen from the market performance of banking institutions. Financial performance is a measure of management's level of success in operating the company's financial resources. Various methods including financial ratio analysis can be used to analyze a bank's financial performance. The profitability ratio is a ratio that is useful as a measure of a company's ability to generate earnings generated from sales. This study aims to analyze and compare the profitability ratios of Panin Bank and Permata Bank in 2014-2021 by using the Return On Assets (ROA), Return On Equity (ROE) and Operational Costs and Operating Income (BOPO) ratios. The research data is the annual report data of Panin Bank and Permata Bank in the period 2016 to 2021. The method in this study is a comparative method which aims to compare the profitability ratios of Panin Bank and Permata Bank in 2014-2021. The results of this study indicate that there are significant differences in the ROA and BOPO ratios of Panin Bank and Permata Bank and there is no significant difference in the ratio of ROE Panin Bank and Permata Bank
COMPARING THE FINANCIAL PERFORMANCE OF REGIONAL DEVELOPMENT BANKS (RDB) LISTED ON IDX PRE AND POST THE ANNOUNCE COVID-19 IN INDONESIA Ana Dwi Pertiwi
International Journal Management and Economic Vol. 2 No. 2 (2023): May: International Journal Management and Economic
Publisher : Asosiasi Dosen Muda Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56127/ijme.v2i2.719

Abstract

The economy of Indonesia has suffered as a result of Covid-19. However, although a pandemic negatively impacts the current economic conditions, the overall resilience of Regional Development Banks has not been affected. RDBs are organizations of financial institutions that work to improve the economic conditions of an area by assisting with finance for regional development. Comparing the financial performance of RDB listed on the IDX, both pre and post the announcement of covid-19, using the CAMEL approach and calculating ratios based on CAR, NPL, ROA, ROE, NIM, BOPO, and LDR was the purpose of this study. In addition, this research used a comparison methodology, which compared the economic performance of RDB listed on the IDX pre and post-announcement of the covid. According to the findings of this research, there was no significant difference in the CAR, NPL, or ROE of RBD pre and post-announcement of the Covid-19. The findings of this study demonstrate, however, that there are significant differences in ROA, NIM, and BOPO of RDB both pre and post-announcement of the covid-19.
STUDI KASUS PERBANDINGAN KINERJA KEUANGAN BANK CENTRAL ASIA TBK DAN BANK CENTRAL ASIA SYARIAH TBK PADA MASA PANDEMI COVID-19 DI INDONESIA Ana Dwi Pertiwi
Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi Vol. 1 No. 3 (2021): NOVEMBER : Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (662.246 KB) | DOI: 10.55606/jurimea.v1i3.30

Abstract

The Covid-19 pandemic that has spread has finally brought serious risks to the world economy, including Indonesia. In the midst of the Covid-19 pandemic, the total assets of Bank Central Asia Tbk and Bank Central Asia Syariah Tbk are still experiencing increasing growth. This study aims to compare the financial performance of Bank Central Asia Tbk and Bank Central Asia Syariah Tbk during the Covid-19 pandemic by using the ratio of Non Performing Loan (NPL) / Non performing financing (NPF), Loan to Deposit Ratio / Financing to Deposit Ratio ( FDR), Return On Assets, Operating Costs and Operating Income (BOPO) and Capital Adequacy Ratio. The data used in this study are the quarterly reports of Bank Central Asia Tbk and Bank Central Asia Syariah Tbk in the period March 2020 to September 2021. The method in this study is a comparative method which aims to compare the financial performance of Bank Central Asia Tbk and Bank Central Asia. Syariah Tbk during the Covid-19 pandemic. The results of this study indicate that there are significant differences in the financial performance of Bank Central Asia Tbk and Bank Central Asia Syariah Tbk during the Covid-19 Pandemic in all the ratios tested.
THE SOUNDNESS LEVEL ASSESSMENT OF PT BANK PAN INDONESIA TBK USING RISK-BASED BANK RATING IN 2018-2022 Ana Dwi Pertiwi
International Journal Management and Economic Vol. 3 No. 1 (2024): January: International Journal Management and Economic
Publisher : Asosiasi Dosen Muda Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56127/ijme.v3i1.1177

Abstract

The financial industry is crucial for a nation's growth and well-being, with banks playing a vital role in utilizing financial resources. The soundness of a bank is essential, with stakeholders including shareholders, bank management, customers, and the general public involved. Maintaining soundness is paramount for financial institutions like banks, as internal risk can affect the bank's financial status. This study examines the financial report of PT Bank Pan Indonesia Tbk for 2018-2022. The research uses historical data and descriptive data analysis methodology, analyzing financial statements using the Risk-Based Bank Rating method. This study indicates that PaninBank's soundness level is in a Very Healthy condition from 2018 to 2022, as measured by the NPL ratio, Good Corporate Governance, ROA ratio, NIM ratio, BOPO ratio, and CAR ratio. The soundness level of the PaninBank is also in a Very Healthy condition, with composite scores of 93%, 93%, 93%, 90%, and 93% for the five years spanning 2018-2022.
THE EFFECT OF CAR, NPL AND LDR ON THE PROFITABILITY OF REGIONAL DEVELOPMENT BANKS IN JAVA FOR THE PERIOD 2019-2023 Ana Dwi Pertiwi
International Journal Management and Economic Vol. 3 No. 2 (2024): May: International Journal Management and Economic
Publisher : Asosiasi Dosen Muda Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56127/ijme.v3i2.1412

Abstract

Due to the dependency of the younger generation on digital solutions, the banking sector in Indonesia is going through a period of fierce rivalry, both in terms of goods and services and technological innovation. The products, services, and technological infrastructure that banks offer to their customers are designed to make financial transactions and activities more accessible and more convenient. One of the most important indicators of a bank's success and prospects is profitability, which can be quantified using a ratio, such as Return on Assets (ROA). This is because profitability involves a diverse variety of stakeholders. This study aims to investigate the influence of CAR, NPL, and LDR ratios on the profitability (ROA) of the Regional Development Bank in Java, both partially and simultaneously. ROA is the dependent variable in this study, while CAR, NPL, and LDR are the independent variables. The analysis tools utilized in this study were SPPS Version 26, and the methodology included basic and multiple regression tests. This study found that between 2019 and 2023, the CAR, NPL, and LDR factors partially and simultaneously impacted the profitability (ROA) of the Regional Development Bank in Java.
THE COMPARATIVE ANALYSIS OF FINANCIAL PERFORMANCE BETWEEN REGIONAL DEVELOPMENT BANKS IN JAVA AND BORNEO FOR THE PERIOD 2019-2023. Ana Dwi Pertiwi
International Journal Management and Economic Vol. 4 No. 1 (2025): January: International Journal Management and Economic
Publisher : Asosiasi Dosen Muda Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56127/ijme.v4i1.1887

Abstract

The banking sector has undergone a substantial transformation. The industry has shifted towards digital and automated systems, thereby promoting increased operational efficiency and enhanced customer service. Regional Development Banks (RDBs) are progressively faced with the necessity to adapt and evolve in response to rapid technological innovations, changing market dynamics, and intensifying competition within the financial services landscape. This research aims to undertake a comparative analysis of the financial performance of RDBs located in Java and Borneo during the timeframe from 2019 to 2023. Furthermore, this study employs a comparative methodology to evaluate the financial performance of RDBs in Java and Borneo utilizing CAR, NIM, NPL, and ROA ratios. The findings of this research reveal a significant disparity in financial performance concerning the NIM ratio of RDBs in Java and Borneo. Conversely, there is no significant variance in financial performance regarding the CAR, NPL, and ROA ratios of RDBs in Java and Borneo.
Co-Authors Budi Hermana