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SIMULTANEOUS ELECTIONS AND ITS IMPLICATIONS ON BANKING PROFITABILITY: A STUDY IN THE ASEAN BIG FOUR CAPITAL MARKET Irada Sinta; Rico Nur Ilham; Reza Juanda; Muttaqien; Muhammad Multazam; Frengki Putra Ramansyah
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 4 No. 3 (2024): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v4i3.2128

Abstract

Capital Adequacy Ratio (CAR) is a bank performance ratio used to measure the adequacy of capital owned by the bank in order to support assets that contain or generate risk. The greater the Capital Adequacy Ratio (CAR), the better the bank's ability to meet capital needs. The greater the capital owned by the bank, the bank is able to provide loans to customers in large amounts so that it has the opportunity to increase the company's profitability. Profitability assessment is a process to determine how well business activities are carried out to achieve strategic goals, eliminate waste and present timely information to carry out continuous improvement (1). This study aims to be one of the indicators of how an important event in a country, especially in the socio-political field, can affect the country's economic turnover and stock exchange. Especially for the big four ASEAN countries (Indonesia, Malaysia, Singapore and Thailand), the case of increasing stock prices in the banking sector is in the spotlight and it is necessary to conduct a scientific study on the correlation of General Election events in the big four ASEAN countries with the increase in their country's stock market. This type of research is associative research that aims to determine the relationship between two or more variables, namely examining the effect of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) and Operating Costs to Operating Income (BOPO) which are linked to the Profitability of banking sector companies during the general election period in the big four ASEAN countries. This study will use ratio analysis to determine the performance of a bank and its health. With the results of LDR does not have a positive and significant effect on the profitability of banking companies. CAR has a positive and significant effect on the Profitability of Banking Companies. BOPO has a negative and insignificant effect on the Profitability of Banking Companies.
THE EFFECT OF LABOR FORCE PARTICIPATION, PER CAPITA INCOME, AND INDUSTRIALIZATION ON URBANIZATION IN INDONESIA Reza Juanda; Khalimatusakdiah
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 5 No. 5 (2025): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v5i5.3640

Abstract

This study aims to analyze the influence of labor force participation, per capita income, and industrialization on urbanization in Indonesia in the short and long term. Rapid urban growth poses various social and environmental challenges. This study uses secondary data from the 1991–2023 time series and analyzes it using the Autoregressive Distributed Lag (ARDL) model to examine the dynamic relationships between variables. The results show that labor force participation has a significant effect on urbanization in the short term, although the direction of the influence is inconsistent. In the long term, the influence is insignificant. Per capita income also has a significant effect in the short term with varying directions, but is insignificant in the long term. Industrialization shows a negative effect in the current period and a positive effect in the previous period, but its long-term effect is also insignificant. Simultaneously, all three variables have a significant effect on urbanization in the short term, but not in the long term. These findings indicate that urbanization in Indonesia is more influenced by short-term socioeconomic dynamics than long-term structural factors.