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Pengaruh Ukuran Bank, Efisiensi, Dana Pihak Ketiga, Tipe Kepemilikan, dan Likuiditas terhadap Penyaluran Kredit pada Bank Umum Konvensional di Indonesia Keti Purnamasari
Target : Jurnal Manajemen Bisnis Vol 2 No 2 (2020)
Publisher : Universitas Bumigora

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30812/target.v2i2.989

Kegiatan menghimpun dan menyalurkan dana masyarakat merupakan kegiatan utama Bank. Bank menghimpun dana dari masyarakat dalam bentuk simpanan giro, simpanan tabungan, dan simpanan deposito. Dana tersebut disalurkan ke masyarakat dalam bentuk kredit seperti kredit investasi, kredit modal kerja, kredit perdagangan, kredit konsumtif, dan kredit produktif. Penyaluran kredit ini dapat dipengaruhi oleh berbagai faktor internal dan eksternal. Penelitian ini menganalisis beberapa faktor internal yang mempengaruhi penyaluran kredit yaitu variabel ukuran bank, efisiensi (BOPO), dana pihak ketiga, tipe kepemilikan, dan likuiditas (Loan to Deposit Ratio) pada 39 Bank Umum Konvensional yang terdaftar di Bursa Efek Indonesia selama 2015 s.d. 2019. Penelitian ini mendapatkan hasil bahwa hanya variabel BOPO yang tidak berpengaruh terhadap penyaluran kredit. Variabel tipe kepemilikan memiliki pengaruh negatif dan signifikan terhadap penyaluran kredit sedangkan variabel ukuran bank, dana pihak ketiga, dan likuiditas memiliki pengaruh positif dan signifikan terhadap penyaluran kredit. Variabel DPK memiliki pengaruh yang paling dominan terhadap penyaluran kredit yang mengindikasikan bahwa masyarakat memiliki kepercayaan terhadap kredibilitas dan eksistensi perbankan sebagai penghimpun dana masyarakat.

Strategi Relationship Marketing dalam Meningkatkan Loyalitas Nasabah Pada Bank BRI Unit Muara Rupit Yuyun Nomary; Hendra Sastrawinata; Keti Purnamasari
Jurnal Aplikasi Manajemen dan Bisnis Vol. 2 No. 1 (2021): Jurnal Aplikasi Manajemen dan Bisnis Oktober 2021
Publisher : Politeknik Negeri Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar

One way to increase customer satisfaction and loyalty is to build a relationship between the bank and the customer which is called relationship marketing. This study aims to determine the direct and indirect effect of Relationship marketing variables and customer satisfaction on customer loyalty. Bank BRI Unit Muara Rupit is a bank that has been established in the Muara Rupit area on February 7, 1970 until now. This study used a sample of 95 respondents. The results showed that Relationship marketing and customer satisfaction had a positive and significant effect on customer loyalty. Relationship marketing variable has a dominant influence on customer loyalty at Bank BRI Muara Rupit Unit.

Analisis Keberhasilan Usaha Ditinjau Dari Pelayanan, Harga Dan Lokasi Pada Usaha Kuliner Di Desa Batumarta II Kabupaten OKU Provinsi Sumatera Selatan Dahlia Dahlia; Keti Purnamasari
MBIA Vol 21 No 1 (2022): Management, Business, and Accounting (MBIA)
Publisher : Direktorat Riset dan Pengabdian kepada Masyarakat Universitas Bina Darma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33557/mbia.v21i1.1742

This research was conducted by analyzing the effect of service, price, and location on business success for all culinary entrepreneurs in Batumarta II Village. We used the saturated sample method for all the population as a sample, namely as many as 25 culinary business owners in Batumarta II. The location of this research is in Batumarta II Village espesially in the area of Block P, Block O, Block D, and Baturaden Gotong Royong Market, Lubuk Raja District, Ogan Komering Ulu Regency, South Sumatra Province. The results showed that service, price, and location simultaneously or partially influence business success. Service quality positively influences business success which means that better service received by consumers will increase business success. Price also positively affects business success. That means profits will increase if the price increases. Otherwise, profit is an indicator of business success. The location has a positive influence on business success. It means a good place makes consumers could access products easily. Keywords: service, price, location, business success Abstrak Penelitian ini dilakukan dengan menganalisis pengaruh pelayanan, harga dan lokasi terhadap keberhasilan usaha pada seluruh pengusaha kuliner di Desa Batumarta II. Metode sampel jenuh diterapkan pada penelitian ini dimana semua populasi digunakan menjadi sampel yaitu sebanyak 25 pemilik usaha kuliner di Batumarta II. Lokasi penelitian ini diambil di Desa Batumarta II diantaranya meliputi wilayah blok P, Blok O, Blok D dan Pasar Gotong Royong Baturaden Kecamatan Lubuk Raja Kabupaten Ogan Komering Ulu Provinsi Sumatera Selatan. Hasil penelitian menunjukkan bahwa variabel pelayanan, harga dan lokasi terhadap keberhasilan usaha baik secara simultan maupun parsial. Variabel pelayanan memiliki pengaruh positif terhadap keberhasilan usaha. Semakin baik pelayanan yang diterima konsumen akan meningkatkan keberhasilan usaha. Variabel harga memiliki pengaruh positif terhadap keberhasilan usaha. Kenaikan harga akan menaikkan harga jual sehingga akan membuat laba meningkat. Laba yang meningkat merupakan indikator dari suatu keberhasilan usaha. Variabel lokasi memiliki pengaruh positif terhadap keberhasilan usaha. Lokasi yang strategis memudahkan konsumen dalam melakukan akses pembelian terhadap sutu produk. Kata kunci: pelayanan, harga, lokasi, keberhasilan usaha

CORPORATE SOCIAL RESPONSIBILITY (CSR) AND ESG INTEGRATION: INVESTOR PERCEPTIONS AND OUTCOMES Purwati Purwati; Keti Purnamasari; Chintia Romadayanti
Journal Markcount Finance Vol. 4 No. 1 (2026)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/jmf.v4i1.3359

The increasing emphasis on sustainability in global financial markets has intensified the integration of Corporate Social Responsibility (CSR) and Environmental, Social, and Governance (ESG) principles into investment decision-making. Investors are no longer focused solely on financial returns but increasingly consider non-financial performance as an indicator of long-term value, risk management, and corporate resilience. This study aims to examine investor perceptions of CSR and ESG integration and to analyze how these perceptions influence investment outcomes and corporate performance. The research adopts a qualitative-analytical design based on a systematic review of peer-reviewed journal articles, institutional reports, and secondary financial data related to ESG investing and responsible investment practices. The findings indicate that strong CSR engagement and effective ESG integration positively shape investor confidence, enhance corporate reputation, and are associated with improved financial performance and lower perceived risk. The study concludes that CSR and ESG integration function not merely as ethical considerations but as strategic financial factors that influence investor behavior and market outcomes. Effective alignment between corporate responsibility initiatives and ESG frameworks is therefore essential for firms seeking sustainable competitive advantage and long-term investor support in an increasingly sustainability-oriented investment landscape.

Analisis Kinerja Reksa Dana Pendapatan Tetap dengan Metode Sharpe Ratio dan Treynor Ratio sebagai Pertimbangan dalam Pengambilan Keputusan Investasi Periode 2022–2025 Melsha Ayu Citra; Purwati Purwati; Keti Purnamasari
Journal of Indonesian Management Vol. 6 No. 3 (2026): September
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/jim.v6i3.4247

Reksa dana pendapatan tetap merupakan instrumen investasi yang diminati karena menawarkan tingkat risiko yang relatif lebih rendah dibandingkan instrumen investasi lainnya. Namun, perubahan kondisi ekonomi dan suku bunga dapat memengaruhi kinerjanya sehingga diperlukan evaluasi berbasis risiko sebagai dasar pengambilan keputusan investasi. Penelitian ini bertujuan menganalisis kinerja reksa dana pendapatan tetap menggunakan metode Sharpe Ratio dan Treynor Ratio selama periode 2022–2025. Penelitian menggunakan pendekatan deskriptif kuantitatif dengan data sekunder dari Otoritas Jasa Keuangan (OJK), Bursa Efek Indonesia (BEI), Bank Indonesia, dan sumber resmi lainnya. Populasi penelitian berjumlah 344 reksa dana pendapatan tetap, dengan sampel 23 reksa dana yang dipilih menggunakan purposive sampling. Hasil penelitian menunjukkan seluruh sampel memiliki nilai Sharpe Ratio negatif, yang mengindikasikan bahwa tingkat pengembalian belum mampu melampaui tingkat pengembalian bebas risiko. Berdasarkan Sharpe Ratio, Manulife Dana Tetap Utama memperoleh kinerja terbaik dengan rata-rata nilai -0,28. Sementara itu, berdasarkan Treynor Ratio, Sucorinvest Stable Fund menunjukkan kinerja terbaik dengan rata-rata nilai 0,48. Penggunaan kedua metode memberikan penilaian kinerja yang lebih komprehensif dengan mempertimbangkan risiko total dan risiko sistematis.

Kebijakan Dividen, Struktur Modal, dan Profitabilitas sebagai Determinan Harga Saham Perusahaan Teknologi di Bursa Efek Indonesia : Dividend Policy, Capital Structure, and Profitability as Determinants of Stock Prices for Technology Companies on the Indonesia Stock Exchange Dwi Septiara; Sari Lestari Zainal Ridho; Keti Purnamasari
Jurnal Aplikasi Manajemen dan Bisnis Vol. 7 No. 1 (2026): Jurnal Aplikasi Manajemen dan Bisnis Oktober 2026
Publisher : Politeknik Negeri Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36257/jamb.v7i1.12229

Penelitian ini bertujuan untuk menguji pengaruh kebijakan dividen, struktur modal, dan profitabilitas terhadap harga saham perusahaan teknologi yang terdaftar di Bursa Efek Indonesia selama periode 2021–2024. Studi ini menggunakan pendekatan kuantitatif asosiatif, dengan menganalisis data sekunder yang diperoleh dari laporan keuangan tahunan perusahaan teknologi yang terdaftar di Bursa Efek Indonesia. Sampel studi terdiri atas 25 perusahaan yang dipilih melalui purposive sampling, sehingga menghasilkan 100 observasi perusahaan-tahun. Data dianalisis menggunakan regresi linier berganda dengan IBM SPSS Statistics 25. Hasil penelitian menunjukkan bahwa kebijakan dividen, struktur modal, dan profitabilitas secara simultan berpengaruh signifikan terhadap harga saham. Secara parsial, kebijakan dividen dan profitabilitas ditemukan berpengaruh positif dan signifikan terhadap harga saham, sedangkan struktur modal berpengaruh negatif dan signifikan. Temuan ini menunjukkan bahwa investor tetap mempertimbangkan indikator keuangan fundamental dalam mengevaluasi perusahaan teknologi, meskipun sektor ini sangat menekankan pertumbuhan dan inovasi. Penelitian ini terbatas pada penggunaan variabel kebijakan dividen, struktur modal, dan profitabilitas, serta berfokus secara eksklusif pada perusahaan teknologi selama periode 2021–2024. Temuan studi memberikan wawasan praktis bagi investor dalam menilai saham teknologi dan bagi manajer perusahaan dalam merumuskan strategi dividen, pembiayaan, dan profitabilitas, sekaligus berkontribusi pada literatur mengenai determinan harga saham di pasar teknologi negara berkembang. Kata Kunci: Kebijakan Dividen, Struktur Modal, Profitabilitas, Harga Saham.

Analisis Kinerja Keuangan PT Astra International Tbk. Menggunakan Metode Value Added Vina Damayanti; Purwati Purwati; Keti Purnamasari
Ebisma (Economics, Business, Management, & Accounting Journal) Vol. 6 No. 3 (2026): Economics, Business, Management, & Accounting Journal (Ebisma)
Publisher : Haka Vyza Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61083/ebisma.v6i3.309

This study examines the financial performance of PT Astra International Tbk during the 2021–2025 period from a Value-Based Management (VBM) perspective by applying five value-added indicators: Economic Value Added (EVA), Financial Value Added (FVA), Market Value Added (MVA), Refined Economic Value Added (REVA), and Shareholder Value Added (SVA). The research employed a descriptive quantitative design using supporting data obtained from the company's annual financial reports over the five-year period. Data were collected through documentation and literature review, then analyzed using the calculation formulas for each method. The findings indicate that EVA, FVA, and SVA consistently remained positive with an upward trend, reaching their highest values in 2025, indicating the company's success in creating economic value, financial value, and shareholder value. In contrast, MVA remained negative throughout the observation period. Meanwhile, REVA recorded a positive value only in 2024. These patterns are associated with the company's substantial investment activities, the high market-based cost of capital, as well as the dynamics of the automotive industry and global economic conditions. Overall, PT Astra International Tbk. was considered capable of maintaining positive operational performance while continuing to create value.

LIQUIDITY AND CAPITAL ANALYSIS OF STATE-OWNED BANKS IN INDONESIA BASED ON OJK REGULATIONS (POJK) Keti Purnamasari; Gusti Ayu Oka Windarti
Jurnal Manajemen Vol 12 No 2 (2024): Jurnal Manajemen
Publisher : Program Studi Manajemen Fakultas Ekonomi Universitas Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36546/jm.v12i2.1287

This study analyzes liquidity and capitalization based on the Financial Services Authority Regulation (POJK). Liquidity is measured by LCR and NSFR based on POJK Number 42/POJK.03/2015 concerning the obligation to fulfill the Liquidity Coverage Ratio (LCR) for Commercial Banks and POJK Number 50/POJK.03/2017 concerning the obligation to fulfill the Net Stable Funding Ratio (NSFR) for Commercial Banks. Capitalization is measured using the KPMM ratio according to the risk profile based on POJK Number 11/POJK.03/2016 concerning the obligation to provide minimum capital for Commercial Banks. The samples used in this study were state-owned banks listed on the Indonesia Stock Exchange, namely PT Bank Rakyat Indonesia Tbk (BBRI), PT Bank Mandiri Tbk (BMRI), PT Bank Negara Indonesia Tbk (BBNI), and PT Bank Tabungan Negara Tbk (BBTN). The data used are secondary data in the form of Bank annual reports, LCR calculation reports, and NSFR Reports for the 2019 to 2023 Period of each Bank. The four state-owned banks have LCRs of more than 100%. This indicates that the banks have highly liquid assets that are sufficient to handle a liquidity stress scenario within a 30-day period. The four state-owned banks have NSFRs of more than 100%. This indicates that the institutions have sufficient stable funding to meet funding needs for the next 12 months. The four state-owned banks have CARs that exceed the CAR limit based on the risk profile rating of each bank. The higher the CAR, the better the bank's ability to meet its financial obligations when under pressure

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