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Net Interest Margin, Non-performing Loans, Capital Education Ratio, to Return on Assets of BUMN Banks Listed On The Indonesia Stock Exchange Hariyanti Hariyanti; Salmiyah Thaha; Lasty Agustuty D
Jurnal Ilmu Manajemen Profitability Vol 8, No 1 (2024): FEBRUARI 2024
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/profitability.v8i1.14190

This study aims to analyze the Net Interest Margin, Non-performing Loans, Capital Education Ratio, to Return on Assets of BUMN Banks Listed On The Indonesia Stock Exchange. The type of data used in this research is quantitative and qualitative data while the data source used is secondary data. The research was conducted using data from annual published financial reports for a period of 10 years, from 2012 to 2021. The research variables consisted of the independent variables, namely NIM, NPL, CAR, and the dependent variable, namely ROA. The analytical method used is multiple linear regression analysis, and hypothesis testing. Net Interest Margin at BUMN banks has a significant influence on return on assets. Non-performing loans at Bank Mandiri have a significant influence on return on assets, meanwhile at Bank BTN, BRI and BNI, they have no significant effect on return on assets. Capital Education Ratio at BRI bank has a significant effect on return on assets, meanwhile Bank Mandiri, BTN, and BNI have no significant effect on return on assets.

Pengaruh Manajemen Risiko Terhadap Kinerja Keuangan Pada Industri Perbankan Di Indonesia Agustuty, Lasty; Praditha, Riza; Hariyanti
Jurnal Online Manajemen ELPEI Vol 4 No 1 (2024)
Publisher : STIM-LPI Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58191/jomel.v4i1.251

This research aims to examine the effect of risk management (credit risk, operational risk, liquidity risk and market risk) on financial performance (ROA) in the banking industry in Indonesia. The sample used in this research was 37 banking industries in Indonesia from 2019 -2022. The analysis method used is multiple regression of Eviews data. The research results show that credit risk (NPL), operational risk (BOPO), liquidity risk (LDR), have a negative and significant effect on financial performance (ROA) while market risk (NIM) has a positive and significant effect on financial performance (ROA).

Peran Corporate Social Responsibility dalam Meningkatkan Reputasi Perusahaan serta Dampaknya Terhadap Stock Return Robert Jao; Suwandi Ng; Anthony Holly; Michael Alexander Rotty; Lasty Agustuty
Jurnal Akuntansi dan Keuangan Vol 8 No 1 (2023): Februari
Publisher : Jurusan Akuntansi FEB UHO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33772/jak.v8i1.26

Tujuan dari penelitian ini adalah untuk menginvestigasi pengaruh corporate social responsibility terhadap stock return yang dimediasi oleh reputasi perusahaan. Dasar yang digunakan untuk menjelaskan model dalam penelitian ini berasal dari teori stakeholder dan teori sinyal. Sumber data sekunder diperoleh dengan metode dokumenter dari laporan keberlanjutan, skor Corporate Image Award pada Indonesian Most Admired Companies Award, dan harga saham perusahaan. Pemilihan sampel dilakukan secara purposive dan menghasilkan 34 data pengamatan. Metode analisis menggunakan analisis jalur. Hasil penelitian menunjukkan bahwa corporate social responsibility berpengaruh positif dan signifikan terhadap reputasi perusahaan namun corporate social responsibility tidak berpengaruh signifikan terhadap stock return. Reputasi perusahaan berpengaruh positif dan signifikan terhadap stock return. Hasil uji sobel menunjukkan bahwa reputasi memediasi pengaruh antara corporate social responsibility dan stock return.

Determinan Struktur Modal Pada Bank Syariah Di Indonesia Agustuty, Lasty; Thaha, Salmiyah; Afriyani, Afriyani
YUME : Journal of Management Vol 7, No 3 (2024)
Publisher : Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/yum.v7i3.7100

Penelitian ini bertujuan untuk menganilisis faktor-faktor yang mempengaruhi struktur modal Bank pada Umum Syariah di Indonesia. Penelitian ini menggunakan sampel pada 5 Bank Umum Syariah (BUS) yang mempublikasi keuangan triwulan periode 2019-2023. Data yang digunakan pada penelitian ini adalah data sekunder yang diperoleh dari website resmi bank syariah serta website resmi OJK. Metode pengambilan sampel pada penelitian ini menggunakan purposive sampling. Metode analisis data yang digunakan yaitu uji regresi data panel dengan menggunakan software Eviews. Penelitian ini menggunakan variable independen berupa ukuran perusahaan (total aset), profitabilitas (ROA), likuiditas (FDR) dan menggunakan variabel dependen yaitu struktur modal (DER). Hasil penelitian ini menunjukkan ukuran perusahaan dan likuiditas berpengaruh negatif signifikan terhadap strukur modal, sedangkan profitabilitas berpengaruh negatif tidak signifikan terhadap strukur modal.Kata Kunci : Struktur modal, ukuran perusahaan, profitabilitas, dan likuiditas.

Pengaruh Volume Pembiayaan Dan Restrukturisasi Pembiayaan Terhadap Profitabilitas Bank Syariah Di Indonesia Agustuty, Lasty; Alam, Andi Rifqah Purnama; Hariyanti, Hariyanti
Jurnal Online Manajemen ELPEI Vol 5 No 1 (2025)
Publisher : STIM-LPI Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58191/jomel.v5i1.370

This study aims to examine the effect of financing volume and financing restructuring on the profitability of Islamic banks in Indonesia. The sample used in this study was 5 Islamic banks in Indonesia that presented complete quarterly financial reports for the period 2021-2023. The analysis method used is multiple linear regression of panel data. The results of the study indicate that financing volume has a positive and significant effect on the profitability (ROA) of Islamic banks, while financing restructuring has a negative and significant effect on the profitability (ROA) of Islamic banks in Indonesian

Determinan Capital Buffer Pada Industri Perbankan Di Indonesia Agustuty, Lasty; Ruslan, Andi
Movere Journal Vol. 1 No. 2 (2019)
Publisher : Sekolah Tinggi Ilmu Ekonomi (STIE) Tri Dharma Nusantara Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53654/mv.v1i2.43

This study aims to analyze the factors that influence capital buffers in the banking industry in Indonesia. Research variables include bank size, liquidity, credit risk, efficiency and profitability as independent variables and capital buffers as the dependent variable. The method used in this study is quantitative research. This research was conducted at public banks on the Indonesia Stock Exchange category BOOK 3 and BOOK 4, with the 2014-2018 research period using multiple linear regression analysis techniques. The results showed that the size of the company did not have a significant effect on capital buffer, while liquidity, credit risk, efficiency and profitability had a significant effect on capital buffer.

The Influence of Financial Performance on the Stability of Islamic Banks in Indonesia Agustuty, Lasty; Alam, Andi Rifqah Purnama; Afriyani, Afriyani; Yasin, Nurfatwa Andriani; Hariyanti, Hariyanti
Jurnal Ar-Ribh Vol. 8 No. 2 (2025): October 2025
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jncsms57

This study investigates the influence of financial performance on the stability of Islamic banks in Indonesia during the 2018–2023 period. The research uses a quantitative approach with panel data regression analysis conducted through EViews software. The sample consists of five Islamic Commercial Banks (BUS) that regularly publish monthly financial statements. Secondary data were obtained from official bank websites and the Financial Services Authority (OJK). The independent variables in this study include the Capital Adequacy Ratio (CAR), Net Operating Margin (NOM), and Net Performing Financing (NPF), while the dependent variable representing bank stability is proxied by the Z-Score of Return on Assets (ROA). The results reveal that CAR and NOM have a positive and significant impact on the stability of Islamic banks, indicating that strong capital adequacy and profitability enhance resilience and financial soundness. In contrast, NPF shows an insignificant effect on bank stability, suggesting that non-performing financing levels during the observed period were manageable and did not critically threaten financial stability. These findings support both signaling theory and financial intermediation theory, emphasizing that improved capital management and operational efficiency can enhance stakeholder confidence and maintain sustainable stability in Islamic banking. The study contributes to Islamic financial literature by providing empirical evidence on the determinants of financial stability, offering valuable insights for regulators and bank managers in developing strategies to strengthen the resilience of Islamic banking institutions in Indonesia.

Net Interest Margin, Non-performing Loans, Capital Education Ratio, to Return on Assets of BUMN Banks Listed On The Indonesia Stock Exchange Hariyanti, Hariyanti; Thaha, Salmiyah; D, Lasty Agustuty
Jurnal Ilmu Manajemen Profitability Vol. 8 No. 1 (2024): FEBRUARI 2024
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/profitability.v8i1.14190

This study aims to analyze the Net Interest Margin, Non-performing Loans, Capital Education Ratio, to Return on Assets of BUMN Banks Listed On The Indonesia Stock Exchange. The type of data used in this research is quantitative and qualitative data while the data source used is secondary data. The research was conducted using data from annual published financial reports for a period of 10 years, from 2012 to 2021. The research variables consisted of the independent variables, namely NIM, NPL, CAR, and the dependent variable, namely ROA. The analytical method used is multiple linear regression analysis, and hypothesis testing. Net Interest Margin at BUMN banks has a significant influence on return on assets. Non-performing loans at Bank Mandiri have a significant influence on return on assets, meanwhile at Bank BTN, BRI and BNI, they have no significant effect on return on assets. Capital Education Ratio at BRI bank has a significant effect on return on assets, meanwhile Bank Mandiri, BTN, and BNI have no significant effect on return on assets.

STRATEGI EFEKTIF PELATIHAN PUBLIKASI KARYA ILMIAH GURU DI LINGKUNGAN SEKOLAH DASAR Praditha, Riza; Ayu Gustiningsih, Diah; Aisyah, Nur; Agustuty, Lasty; Nurlinda, Nurlinda; Gani, Nurjaya; Asmawiyah, Asmawiyah
Arunika: Jurnal Pengabdian Masyarakat Vol. 3 No. 2: Desember 2024
Publisher : Unit Publikasi dan Jurnal Sekolah Tinggi Ilmu Ekonomi Tri Dharma Nusantara Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53654/ar.v3i2.671

Scientific publication training is a strategic effort to improve teachers' professional competence, particularly in the areas of research and scientific writing. This activity was conducted at the UPTD SDN 22 Maros with the aim of helping teachers understand scientific writing techniques, journal publication procedures, and increasing their motivation to produce quality work. The training methods included lectures, discussions, hands-on practice, and mentoring. The results showed an increase in teachers' understanding of scientific paper structure, their ability to write articles, and their confidence in submitting articles to accredited journals. This activity is expected to contribute to the development of a culture of research and writing among elementary school teachers.

PEMBERDAYAAN KELOMPOK TANI MELALUI PENGEMBANGAN UMKM DALAM MENINGKATKAN EKONOMI LOKAL DESA TONASA KECAMATAN SANROBONE TAKALAR Agustuty, Lasty; Yazin, Nurfatwa Andriani; Artiyany, Megawhati; Kapriani, Kapriani
Arunika: Jurnal Pengabdian Masyarakat Vol. 3 No. 2: Desember 2024
Publisher : Unit Publikasi dan Jurnal Sekolah Tinggi Ilmu Ekonomi Tri Dharma Nusantara Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53654/ar.v3i2.672

This community service activity aims to empower farmer groups in Tonasa Village through the development of micro, small, and medium enterprises (MSMEs) as a strategy to enhance the local economy. The implementation method was carried out in stages, including observation, program planning, socialization, training, and continuous assistance. The results show an increase in farmers' skills in managing businesses, processing agricultural products into value-added goods, and understanding basic management and marketing principles.

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