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All Journal Jurnal Pekommas DERIVATIF Jurnal Pemberdayaan Masyarakat Madani (JPMM) Ecosains Abdi Laksana : Jurnal Pengabdian Kepada Masyarakat As-Sidanah : Jurnal Pengabdian Masyarakat International Journal of Humanities Education and Social Sciences JURNAL AGROINDUSTRI HALAL Jurnal Ilmiah Multidisiplin (JUKIM) Media Ekonomi Media Riset Bisnis & Manajemen Jurnal Manajemen, Akuntansi, Ekonomi Jurnal Pengabdian Kepada Masyarakat Sabangka Abdimas Jurnal Pengabdian Masyarakat Sabangka Jurnal Akuntansi, Manajemen, dan Perencanaan Kebijakan International Journal of Community Service Implementation
Richy Wijaya
Universitas Trisakti
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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LIKUIDITAS SEBAGAI PREDIKTOR PROFITABILITAS: SEBUAH STUDI EMPIRIS PADA PERUSAHAAN SEKTOR INDUSTRI MANUFAKTUR Powell Gian Hartono; Henny Setyo Lestari; Richy Wijaya; Agus Budi Hartono; Georgina Maria Tinungki
Derivatif : Jurnal Manajemen Vol 14, No 2 (2020): November
Publisher : Universitas Muhammadiyah Metro Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/jm.v14i2.475

Abstract

The purpose of this study is to examine the effect of liquidity with proxies are the current ratio (CR), and the quick ratio (QR) to profitability with proxies are the return on assets (ROA) and the return on equity (ROE), on manufacturing sector companies listed on the Indonesia Stock Exchange with the research periods are 2014 - 2018. The purposive sampling method was used, and as many as twenty companies were sampled. The test uses multiple linear regression analysis; the stage are classical assumption test, the goodness of fit test, F-test, and T-test. The results obtained in the first model with ROA as the criterion are CR and QR as the significant predictors. The results obtained in the second model with ROE as the criterion is QR as the significant predictor, while CR has no significant effect to ROE. These results indicate that each profitability ratio is specifically influenced by the respective liquidity ratios studied so that companies can pay more attention to matters related to these variables in order to support efforts to increase company profitability.Keywords: Current Ratio, Manufacturing Company, Return on Assets, Return on Equity, Quick Ratio
LITERASI ASURANSI BAGI MASYARAKAT DESA MANGUN JAYA TAMBUN SELATAN Nurhayati Nurhayati; Richy Wijaya; Tri Kunawangsih; Aji Kusuma
As-Sidanah Vol 4 No 2 (2022): OKTOBER
Publisher : LP2M Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (596.155 KB) | DOI: 10.35316/assidanah.v4i2.212-220

Abstract

Public interest in insurance programs is still low. What is suspected to be the cause of the low level of public interest, especially the Indonesian people, towards this non-bank financial institution is the incomplete information obtained by the public about this institution in an effort to improve the quality of life in the future. Insurance is widely regarded as a consumer product for the upper class who have more funds and assets that they feel need to get more protection. In fact, insurance has other benefits and advantages for all circles of society at large. The problems highlighted by the OJK include unscrupulous agents who are classified as fraud on customer premium deposits, welcoming calls with closed questions, 'unitlink statements' which only cover insurance and administrative costs, and the absence of information on calculating premium returns in the event of contract cancellation at the time of policy. take place. The problems in the insurance industry started when financial inclusion was quite high, but literacy was still low. This means that financial products are in high demand by the public, but their understanding of these products is still low. Based on experience so far in both banks and insurance, knowledge of investment still needs to be improved. In helping OJK provide insurance literacy for the community, this Community Service has a mission to improve Insurance Literacy for the Community in Mangun Jaya Village, Kec. South Tambun. Training on Insurance Literacy will be held on March 27, 2022 for 2 hours. In accordance with the Covid-19 protocol, which limits the number of participants, the training can only be attended by 13 participants, most of whom are women. To be able to see whether the training provided was able to improve insurance literacy for participants, a test was carried out using a Paired Sample T-test, the test results showed that the training provided was able to increase understanding about Insurance for the Mangun Jaya community in South Tambun.
Rasio Spesifik dan Kinerja Keuangan Bank Umum di Indonesia Richy Wijaya
Media Riset Bisnis & Manajemen Vol. 18 No. 1 (2018): Media Riset Bisnis & Manajemen
Publisher : Universitas Trisakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (215.027 KB) | DOI: 10.25105/mrbm.v18i1.5001

Abstract

AbstrakTujuan - Penelitian yang dilakukan memiliki tujuan untuk menguji dan menganalisa apakah peningkatan kinerja keuangan dapat dipengaruhi oleh rasio permodalan pada perbankan di Indonesia.Desain/Metodologi/Pendekatan- Rasio permodalan diproksikan dengan 5 rasio yaitu loan ratio, deposit ratio, efficiency of management ratio, liquidity assets ratio dan capital adequacy. Untuk menjawab permasalahan yang ada penulis menggunakan sampel dari Bank Umum yang telah tertera pada Bursa Efek Indonesia. Teknik analisis yang digunakan untuk penelitian ini adalah analisis regresi linear data panel. Setelah melakukan proses pengolahan data, peneliti menggunakan metode random effect model untuk memperoleh hasil atas percobaan yang dilakukan. Temuan - Hasil yang diperoleh pada penelitian ini menyarankan bahwa untuk meningkatkan kinerja keuangan perbankan harus memperhatikan strategi dalam pemberian pinjaman, alokasi penganggaran dana untuk biaya operasional perusahaan, ketersediaan dana dan nilai kecukupan modal yang dimiliki oleh bank tersebut.. AbstractPurpose - This study aims to test and analyze whether the capital ratio can have a significant impact on improving banking performance. Design/Methodology/Approach -The capital ratio is proxied by 5 ratios, namely the loan ratio, deposit ratio, efficiency of management ratio, liquidity assets ratio and capital adequacy. To answer the existing problems the author uses a sample from a conventional commercial bank listed on the Indonesia Stock Exchange. The sample is then solved by a linear data panel regression analysis method. After processing data, the method used to give results in this study is a random effect model.Finding - The results of this study provide advice to those who have an interest that to improve performance must pay attention to the strategies in lending, budgeting allocation of funds for company operational costs, availability of funds and the capital adequacy value of the bank.
Pengaruh Literasi Keuangan dan Kepercayaan terhadap Minat Beli Produk Asuransi di Kalangan Mahasiswa Ahmad Buchori; Nurhayati Nurhayati; Richy Wijaya W
Ecosains: Jurnal Ilmiah Ekonomi dan Pembangunan Vol 11, No 2 (2022): Ecosains: Jurnal Ilmiah Ekonomi dan Pembangunan
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/ecosains.12070757.00

Abstract

This study explains the relationship between research variables by testing existing hypotheses. In this study, the authors explain and examine the relationship between the independent variables in the form of financial literacy and perceptions of trust and the dependent variable is buying interest. This study is a quantitative study and questionnaires were collected and processed using variant-based Structural Equation Modeling (SEM).The results show that between the two variables, the perception of trust can act as the strongest predictor in predicting interest in buying insurance products among students. Then, the results also show that the level of student financial literacy can also predict the interest in buying insurance products among students quite well, although it is still lower than the influence of the variable perception of trust.
Framework Model Green-Techno Sociopreneur Ternak Maggot untuk Membangun Kemandirian Ekonomi Panti Sosial DKI Jakarta Emelia Sari; Winnie Septiani; Ratnaningsih Ruhiyat; Khomsiyah; Hartini; Richy Wijaya
JURNAL AGROINDUSTRI HALAL Vol. 9 No. 1 (2023): Jurnal Agroindustri Halal 9(1)
Publisher : Universitas Djuanda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/jah.v9i1.8044

Abstract

Panti asuhan sosial di wilayah DKI Jakarta perlu ditingkatkan kemandiriannya sehingga bisa bertransformasi dari cost center menjadi sebuah lembaga yang mandiri secara ekonomi. Hal ini dapat dilakukan dengan mengembangkan sebuah bisnis dengan konsep bisnis yang ramah lingkungan dan mempunyai dampak positif terhadap masyarakat sekitar (community empowerment). Penelitian ini bertujuan untuk mengembangkan sebuah framework implementasi bisnis dengan konsep green techno sociopreneur melalui ternak Maggot. Ini merupakan implementasi konsep waste to value, dimana merubah sampah organik menjadi Maggot yang dapat dimanfaatkan sebagai pakan ternak berprotein tinggi. Hal ini akan mengatasi permasalahan sampah pada panti sosial dan masyarakat sekitar secara signifikan, sehingga akan berdampak terhadap penanggulangan masalah lingkungan secara global. Penelitian ini juga berbasis pemanfaatan teknologi tepat guna dengan melakukan redesign mesin pencacacah sampah dengan sistem knock down. Dari uraian di atas, dapat dikatakan bahwa bisnis ternak Maggot ini mempunyai dampak positif terhadap peningkatan ekonomi, lingkungan, dan sosial. Hasil penelitian ini diharapkan dapat memotivasi semua pihak (akademisi dan praktisi) untuk mengimplementasikan sebuah framework model bisnis green techno sociopreneur yang mengkombinasikan konsep green business model dengan pengembangan teknologi tepat guna.
The Impact Of Credit Risk On The Financial Performance Of Banks In Indonesia Listed On The Indonesian Stock Exchange For The Period 2018 - 2022 Dendy Mohammad Prabowo; Richy Wijaya
International Journal Of Humanities Education and Social Sciences (IJHESS) Vol 3 No 6 (2024): IJHESS JUNE 2024
Publisher : CV. AFDIFAL MAJU BERKAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55227/ijhess.v3i6.1110

Abstract

Banking activities collect funds from customers and distribute credit to customers in the form of loans that are added with interest for the bank's opinion. Lending activities provided by banks have risks that must be mitigated to avoid large losses and adversely affect the bank's financial performance. This study used panel data regression method with sample of 35 Indonesian Banks listed on the Indonesia Stock Exchange with the period 2018 - 2022. Referring to the main research, bank financial performance is measured by return on assets and net interest margin, while bank risk is measured by the variables non-performing loans, capital adequacy ratio, loan loss provision ratio, and cost per loan ratio, this study also added new control variables, such as bank size and leverage. The results of this study found that there is an impact between NPL with ROA, LLPR with ROA, CAR with NIM, and CPLR with NIM. While there is no impact of CAR with ROA, CPLR with ROA, NPL with NIM, and LLPR with NIM.
IMPROVING THE ABILITY OF E-BUSINESS-BASED BUSINESS MANAGEMENT IN THE ENTREPRENEURIAL COMMUNITY Hartini; Wijaya, Richy; Yusran, Husna Leila; Murwonugroho, Wegig; Siswanto, Teddy; Buchori, Ahmad
Jurnal Pemberdayaan Masyarakat Madani (JPMM) Vol. 6 No. 2 (2022): Jurnal Pemberdayaan Masyarakat Madani (JPMM) (DOAJ & SINTA 3 Indexed)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/JPMM.006.2.01

Abstract

The Cordova Bina Amanah Entrepreneurial Group is an institution that provides lessons and entrepreneurship skills which is held annually without charging any fees to the participants. Partner problems that are prioritized to be resolved during the implementation of the Community Service Program are difficulties in marketing the products produced, lack of knowledge in financial management and limited ability in business management during the pandemic. Solutions that can be offered to solve partner problems are by providing counseling, training, and assistance in managing marketing, finance and application implementation with the output target in the form of a guidebook and the Trisakti Online Shop (TOS) application. The implementation of the activity is carried out using the Extension and Training method to convey all the materials needed and followed by mentoring so that participants can apply the material that has been obtained appropriately. The activities will be divided into 5 stages, namely the preparation stage, the implementation stage, the mentoring stage, evaluation, and the independent and sustainable stage. The results of the training show that there is an increase in knowledge by partners based on tests carried out before and after the training.
Kurangnya Keterampilan Komunikasi Generasi Z Memasuki Pasar Kerja Hapsari, Rinanti; Agustina, Syarifaniaty; Wijaya, Richy; Romadona, Mia Rahma
Jurnal Pekommas Vol 9 No 1 (2024): Juni 2024
Publisher : Sekolah Tinggi Multi Media “MMTC” Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56873/jpkm.v9i1.5241

Abstract

The COVID-19 pandemic phenomenon has had a significant impact on the Z generation's readiness to enter the workforce. This generation has minimum communication skills in the workplace, such as, became an example of a lack of soft skills in the workplace. This research aims to investigate the lack of communication and ability phenomenon in the Z generation when entering the labor market. This investigation uses a qualitative approach that involves in-depth interviews. This research has involved 18 college graduates as research subjects. The result of this study has found that the majority of alumni suffered from communication barriers, which means they felt less capable of communicating. They feel inferior and have a low self-image due to a lack of capacity and competence as well as a lack of experience, therefore, it became such a big task to prepare themselves when entering the workforce, that hesitate to start a conversation for fear of making mistake, wrongs, and being impressed with dumbness. The obstacle lies in their self-limitation to change the situations and environments from being limited to technology and remote interaction to having to start over in situations and social environments. Other aspects that determine self-confidence and self-image have a major impact on the aspect of communication skills
THE IMPACT OF SPECIFIC BANK ON THE FINANCIAL PERFORMANCE OF BANKING COMPANIES IN INDONESIA Wijaya, Richy; Mohammad Prabowo, Dendy
Jurnal Ilmiah Multidisiplin Vol. 3 No. 03 (2024): Mei: Jurnal Ilmiah Multidisiplin
Publisher : Asosiasi Dosen Muda Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56127/jukim.v3i03.1276

Abstract

Kegiatan perbankan melibatkan pengumpulan dana dari pelanggan dan mendistribusikannya kembali dalam bentuk pinjaman dengan bunga tambahan sebagai pendapatan bank. Segala bentuk kegiatan perbankan membawa risiko yang harus dimitigasi untuk menghindari kerugian dan dampak yang signifikan terhadap kinerja keuangan bank. Dalam penelitian ini, salah satu risiko bank yang diteliti adalah risiko kredit, yang mempengaruhi kinerja keuangan bank. Penelitian ini merupakan penelitian kuantitatif yang menerapkan analisis regresi data panel untuk melihat pengaruh manajemen risiko kredit terhadap kinerja keuangan Hasil penelitian ini menunjukkan bahwa tidak ada pengaruh terkait kedua variabel Independen (NPL dan LDR) terhadap variabel Dependen. Namun, hasilnya berbeda dengan variabel CAR, yang berdampak negatif pada ROA. Berdasarkan analisis yang dilakukan, penelitian terhadap 30 perusahaan perbankan konvensional yang terdaftar di Bursa Efek Indonesia selama periode 5 tahun (2018-2022) menyimpulkan bahwa variabel independen yang terdiri dari Non Performing Loan, Capital Adequacy Ratio, dan Loan Deposit Ratio tidak mempengaruhi variabel dependen, yaitu Return on Asset.
The Influence of Bank Risk and Bank Internal Factors on Stock Prices in the Indonesian Banking Industry Prakoso, Sasmito W. Rico; Wijaya W, Richy; Zulfiqar, Faisal Labib
Jurnal Akuntansi, Manajemen, dan Perencanaan Kebijakan Vol. 2 No. 2 (2024): December
Publisher : Indonesian Journal Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47134/jampk.v2i2.513

Abstract

This study examines the influence of risk and internal bank factors on banking companies listed on the Indonesia Stock Exchange. Banking risk is measured by Non-Performing Loans, while internal bank factors such as Book to Market Ratio, Return on Equity, Price/Earnings to Growth Ratio, Debt to Equity Ratio, Earnings per Share, Bank Size, and Institutional Ownership Percentage are tested through panel data regression to determine their effect on stock price changes in 37 conventional banking companies listed on the Indonesia Stock Exchange from 2018 to 2022. Based on Model Selection Test, the Fixed Effect Model was found to be the most appropriate model for testing. The results of the study conclude that non-performing loans, book to market ratio, earnings per share, and bank size have a negative and significant impact on stock prices. Meanwhile, return on equity, price/earnings to growth ratio, debt to equity ratio, and institutional ownership do not affect stock prices. This study provides a broader overview of the factors influencing stock prices in banking companies listed on the Indonesia Stock Exchange. Therefore, in maximizing their stock prices, banking companies need to pay attention to factors that significantly affect stock prices.
Co-Authors A Aji Kusuma Wijaya Agus Budi Hartono Agustina, Syarifaniaty Ahmad Buchori Ahmad Buchori Aji Kusuma Banjarnahor, Erliana Darasih, Ratna Dendy Mohammad Prabowo Efi Riana Sari Emelia Sari Emma Saur Nauli Sipayung Georgina Maria Tinungki Gracia Suitella, Maria Hapsari, Rinanti Hartini KHOMSIYAH Laksmi Subadra, Ni Putu Ayu Lestari, Henny Setyo Muhammad Teguh Pratikno Muhammad Yudhi Lutfi Nurhayati Nurhayati Powell Gian Hartono Prakoso, Sasmito W. Rico Raisafira Astriani Ratnaningsih Ruhiyat Riadi, M Nala Romadona, Mia Rahma Rr Dyah Astarini Salim Budiman Susy Muchtar, Susy Takaya, Rowlan Teddy Siswanto, Teddy Tri Kunawangsih Verdian Hermawan Wegig Murwonugroho Wijayanto, Rakendro Winnie Septiani Yusran, Husna Leila Zulfiqar, Faisal Labib