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Bankometer Models for Predicting Financial Distress in Banking Industry Laely Aghe Africa
Jurnal Keuangan dan Perbankan Vol 22, No 2 (2018): April 2018
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (369.825 KB) | DOI: 10.26905/jkdp.v22i2.2050

Abstract

Banking is a collection of several functions of the bank, which is bank is a financial institution that focuses on profit and also social, but from the other side of the bank can also collapse and there are indications of bankruptcy, and one way to predict is to use one of the models to determine financial distress. The latest prediction model is the Bankometer Model. The objective of this research is to analyze The Bankometer Model can use to determine financial distress. A sample of this research is 111 listed bank data Indonesia Stock Exchange from 2012 to 2016, 60 for Foreign Exchange Bank and 51 for Non-Foreign Exchange Bank. Logistic Regression to analyze the data in SPSS 23 Version. The result of this study is The Bankometer Model can use to determine financial distress for Foreign Exchange Bank and Non-Foreign Exchange Bank. This research implication is for management of the company in decide regulator in a company that related to financial distress.JEL Classification: G31, G32, G34DOI: https://doi.org/10.26905/jkdp.v22i2.2050
Financial Distress Prediction Using RGEC Model on Foreign Exchange Banks and Non-Foreign Exchange Banks Laely Aghe Africa
Journal of Accounting and Strategic Finance Vol 2 No 1 (2019): JASF (Journal of Accounting and Strategic Finance)
Publisher : UNIVERSITAS PEMBANGUNAN NASIONAL VETERAN JAWA TIMUR

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33005/jasf.v2i1.34

Abstract

The bankruptcy of a company can be marked called Financial Distress, and the company is expected to anticipate the situation. This research aimed to analyze whether the RGEC model can be used to predict Financial Distress on Foreign Exchange Banks and Non-Foreign Exchange Banks. The RGEC model uses several ratios including Risk Profile represented by NPL (Non-Performing Loan) LDR (Loan to Deposit Ratio), GCG is represented by the Composite Value of GCG (Good Corporate Governance), Earnings is represented by ROA (Return On Asset), and Capital is represented by CAR (Capital Adequacy Ratio). It is a quantitative study, with a sample of 185 data of Foreign Exchange Bank and Non-Foreign Exchange ranging from 2013 to 2017, and fulfills this criterion for research from IDX. Logistic regression was used in analyzing data and using SPSS version of IBM 23. The results of the study indicate that NPL, GCG, ROA, and CAR are best used to predict financial distress in Foreign Exchange Bank and Non-Foreign Exchange Bank. The results can be applied to banking companies in determining what policies need to be taken when the company experiences Financial Distress.
Financial distress for bankruptcy early warning by the risk analysis on go-public banks in Indonesia Laely Aghe Africa
Journal of Economics, Business, & Accountancy Ventura Vol 19, No 2 (2016): August - November 2016
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jebav.v19i2.542

Abstract

Early warning is essential for overseeing the firm’s financial system stability, and is developed by financial distress model. Financial Distress is financial declining phase that happens before bankruptcy or liquidation. This Research aimed to analyze whether the following factors such as CKPN (Allowance For Impairment Losses Of Credits), NPL (Non Performing Loan), IRR (Interest rate Ratio), PDN (Net Open Position), LDR (Loan To Deposit Ratio), IPR (Investing Policy Ratio), OE-OI (Operating Expenses To Operating Revenues) and FBIR (Fee Based Income Ratio) can determine financial distress as early warning in Indonesia’s go public banks. It is a quantitative study, with the sample of 100 go-public banks listed in Indonesia Stock Ex-change (www.idx.go.id) ranging from 2010 to 2014, collected using purposive sampling. They were analyzed using SPSS 23 IBM version. The result shows that LDR (Loan To Deposit Ratio) is the most significant factor to determine financial distress as early warning of bankruptcy of Indonesia’s go public banks. Besides that, it has several implications for regulators and bank management to determine the firm financial system stabilization.
The effect of pecking order, trade-off and market timing theories on capital structure in commercial banking companies listed on IDX Laely Aghe Africa; Avi Sunani
The Indonesian Accounting Review Vol 7, No 2 (2017): July - December 2017
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/tiar.v7i2.1398

Abstract

Capital structure has an impact on the short and long term. Funding provided by banks is inseparable from the availability of funds from third parties in the form of savings, demand deposits and deposits. The entry of third party funds must be balanced with the funds disbursed by the company. Therefore, management policy greatly determines the position and composition of funding. This study aims to analyze and determine several capital structure theories, namely Pecking Order Theory, Trade-Off Theory and Market Timing Theory. The variable of Pecking Order Theory is represented by funding deficit, long-term debt, and total debt. The variable of Trade-Off Theory is represented by tangi-ble assets, growth, size, profitability, total debt, and long-term debt. The variable of Mar-ket Timing Theory is represented by Equity Finance Weighted Average of market to book ratio and leverage ratio. This research is quantitative research. The samples used in this study are 100 data of commercial banking companies listed on IDX period 2011 - 2015. Data are obtained using purposive sampling method from banks registered at www.idx.go.id. Multiple Liner Regression is used in analyzing data using SPSS IBM 23. The results of the research show that Trade-Off and Market Timing Theories can be implemented by banking companies in terms of determining capital structure. This re-search implication is to enhance management choices, especially on how to set capital structure of the company.
The effect of capital structure, institutional ownership, managerial ownership, and profitability on company value in manufacturing companies Jhonatan Trafalgar; Laely Aghe Africa
The Indonesian Accounting Review Vol 9, No 1 (2019): January - June 2019
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/tiar.v9i1.1619

Abstract

This study aimed to examine the effect of capital structure, institutional ownership, managerial ownership, and profitability on company value. It used independent variables such as capital structure with a proxy of Debt to Equity Ratio (DER), institutional ownership, managerial ownership, and profitability with a proxy of Return on Equity (ROE), and the dependent variable such as company value. This study uses secondary data obtained from the Indonesia Stock Exchange (IDX) for the period 2014-2017, with the population of all manufacturing companies listed on the Indonesia Stock Exchange (IDX) with the sample of manufacturing companies in the sector of various industries in the period 2014-2017. It was taken by using purposive sampling method, where they were selected based on the criteria. The data were analyzed using a multiple linear regression analysis with SPSS 23. The results indicated that the Debt to Equity Ratio (DER), institutional ownership, and managerial ownership have no significant effect on company value, while Return on Equity (ROE) has a significant effect on company value. The company's goal can be achieved if the company's performance is able to optimize the value of the company.
PKM Pelatihan Sistem Informasi Berbasis Microsoft Office Guna Meningkatkan Softskill Anggota dalam Membuat Laporan Keuangan pada BKM Maju Makmur Kajeksan Sidoarjo Laely Aghe Africa; Dian Oktarina; Agustinus Kismet Nugroho Jati; Immanuel Candra Irawan; Sholikha Oktavi Khalifaturofiah
Jurnal ABDIRAJA Vol 4 No 2 (2021): Jurnal Abdiraja
Publisher : LPPM Universitas Wiraraja Sumenep, Jalan Raya Sumenep Pamekasan KM. 5 Patean Sumenep 69451, Telp. (0328) 673399 Fax. (0328) 673088

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24929/adr.v4i2.1457

Abstract

Badan Keswadayaan Masyarakat (BKM) Maju Makmur di Desa Kajeksan Jawa Timur merupakan mitra dalam kegiatan Pengabdian Masyarakat yang memerlukan pelatihan dalam hal peningkatan Softskill bagi anggota agar dapat membuat laporan keuangan yang lebih bagus dan terstruktur. Hasil akhir yang diutamakan dalam kegiatan ini adalah bahwa anggota BKM Maju Makmur mampu membuat Laporan Keuangan yang tersistem dan kedepannya dapat dijadikan dokumen pendukung ketika BKM Maju Makmur mengajukan pendanaan kepada salah satu Bank, sehingga dapat membuka lapangan kerja baru. Hasil akhir yang ingin dicapai dalam kegiatan Pengabdian Masyarakat ini adalah Publikasi Jurnal Nasional 2021 dan video kegiatan terkait dengan pemberian pelatihan dan yang paling utama adalah kemampuan anggota BKM dalam mengaplikaskan hasil dari pelatihan Microsoft Office.
PENERAPAN SISTEM DALAM PEMBUATAN LAPORAN KEUANGAN PADA BADAN KESWADAYAAN MASYARAKAT (DESA KAJEKSAN, SIDOARJO, JAWA TIMUR) Laely Aghe Africa; Dian Oktarina; Agustinus Kismet Nugroho Jati
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Publisher : Jurnal KeDayMas: Kemitraan dan Pemberdayaan Masyarakat

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Abstract

The problem of partners in the Community Self-Reliance Agency, in the Village of Kajeksan, Sidoarjo, East Java, is that there are no structured financial reports that are in accordance with accounting standards. In order to help solve the problem, the planned activity that will be carried out is to provide assistance to the partners of the Community Self-Reliance Agency, in the Village of Kajeksan Sidoarjo, East Java, by increasing financial management capabilities. The final result to be achieved in this Community Service activity is the existence of Standard Operating Procedures and the existence of the ability of village officials to use and apply a system-based Financial Statement. Based on the activities we have carried out both offline and online, the final conclusion is that partners have periodically applied structured financial statements both manually and systemically. While other output from this activity are publications in the National Journal.
RUANG GENERASI NUSANTARA : PENGEMBANGAN WAWASAN DAN KARAKTER SISWA SD-SMP DENGAN BUDAYA LITERASI MELALUI PELATIHAN PEMUDA DESA BAJULAN NGAJUK Nidhom Hidayatulloh Siswoyo; Sulistiyas Larasati; Innaya Rizki Arsanti; Dzaky Nurul; Hanifah Syafi’i; Jowi Ratna Sari; Laely Aghe Africa
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Publisher : Jurnal KeDayMas: Kemitraan dan Pemberdayaan Masyarakat

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Abstract

Pengabdian Masyarakat ini bertujuan untuk meningkatkan kualitas sumber daya manusia khususnya dalam membangun manusia dari aspek pendidikan dengan mampu meningkatkan wawasan, mampu mengembangkan karakter yang baik, mampu mendorong semangat membaca, dan mampu menerapkan knowledge organization. Sasaran Penelitian ini siswa-siswi kelas tiga Sekolah Dasar hingga kelas satu Sekolah Menengah Pertama, Karang Taruna Sudirman, dan seluruh masyarakat yang ada di Desa Bajulan. Metode yang digunakan dalam penelitian ini yaitu pendampingan, yang dilakukan pada Karang Taruna Sudirman, agar menjadi pelopor pengembangan wawasan dan karakter serta budaya literasi di Desa Bajulan, Kabupaten Nganjuk. Hasil dari penelitian ini siswa menjadi lebih percaya diri, bertanggung jawab, dan jujur, peningkatan kreatifitas dan mampu menunjukkan rasa empati kepada sesama, memiliki jiwa kompetitif, peningkatan semangat membaca diukur dengan karambu. Karang Taruna Sudirman mengalami kemajuan dalam kinerja organisasi, memiliki sikap aktif dan kritis, dan membantu menyelesaikan permasalahan yang ada.
PENGARUH CAR, LDR, ROA DAN BOPO TERHADAP NPL PADA BANK UMUM SWASTA NASIONAL Iklimatus Suryani; Laely Aghe Africa
Ecopreneur.12 Vol 4, No 2 (2021): Oktober 2021
Publisher : Universitas Maarif Hasyim Latif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51804/econ12.v4i2.1016

Abstract

Tujuan dari penelitian ini adalah untuk menguji pengaruh Rasio kecukupan modal, Laba bersih, Raio pinjaman terhadap deposito dan beban operasional atas pendapatan operasional terhadap kredit bermasalah pada bank umum devisa  (BUSND) periode 2015 sampai 2019. Sampel yang dikumpulkan dengan menggunakan metode purposive sampling pemilihan sampel dengan kriteria tertentu menghasilkan 150 perusahaan yang menjadi sampel akhir. Data dikumpulkan dari laporan keuangan atau laporan tahunan, kemudian data dianalisis dengan analisis deskriptif, uji asumsi klasik, dan multiple linear. Hasil penelitian ini menyimpulkan: (1) Rasio kecukupan modal, Rasio pinjaman terhadap deposito dan beban operasional atas pendapatan operasional berpengaruh terhadap kredit macet pada bank umum devisa Swasta yang terdaftar di OJK. (2) Laba bersih beban tidak berpengaruh terhadap kredit macet pada bank umum devisa Swasta yang terdaftar di OJK. Kata kunci:  BOPO, CAR, LDR, NPL, ROA, Bank Umum
PERAN KINERJA PERUSAHAAN DALAM MENENTUKAN PENGARUH INDIKATOR MAKROEKONOMI DAN KEBIJAKAN PERUSAHAAN TERHADAP NILAI PERUSAHAAN Dian Oktarina; Laely Aghe Africa
Ecopreneur.12 Vol 3, No 1 (2020): April 2020
Publisher : Universitas Maarif Hasyim Latif

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Abstract

ABSTRAK Penelitian ini bertujuan untuk mengetahui peran kinerja perusahaan dalam menentukan pengaruh indikator makroekonomi dan kebijakan perusahaan terhadap nilai perusahaan. Kinerja perusahaan diproksikan dengan ROA. Indikator makroekonomi yang digunakan pada penelitian ini adalah kurs IDR/USD, suku bunga, dan inflasi. Kebijakan perusahaan diukur menggunakan insentif manajer, capital expenditure, dan leverage keuangan. Nilai perusahaan diproksikan dengan harga saham. Sampel yang digunakan pada penelitian ini adalah perusahaan manufaktur yang terdaftar di BEI mulai 2012 sampai 2016. Penelitian ini menggunakan teknik analisis jalur untuk menguji hipotesis. Hasil yang diperoleh menunjukkan bahwa untuk variabel indikator makroekonomi, hanya inflasi saja yang berpengaruh signifikan terhadap nilai perusahaan, sedangkan untuk variabel kebijakan perusahaan, insentif manajer memiliki pengaruh langsung signifikan baik ke kinerja perusahaan maupun ke nilai perusahaan. Kinerja perusahaan berpengaruh signifikan dengan nilai perusahaan. kinerja perusahaan dapat digunakan untuk memediasi insentif manajer terhadap nilai perusahaan.Kata kunci:  inflasi, insentif manajer, kinerja perusahaan, nilai perusahaan