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ANALISIS TINGKAT KESEHATAN BANK DENGAN MENGGUNAKAN METODE RGEC (Risk Profile, Good Corporate Governance, Earning, &Capital) PADA PT BANK BNI PERSERO TBK PERIODE 2016-2020 Novi Nisa Khasana; Ririn Wahyu Arida; Nuril Aulia Munawaroh
GEMILANG: Jurnal Manajemen dan Akuntansi Vol. 2 No. 4 (2022): Jurnal Manajemen dan Akuntansi
Publisher : BADAN PENERBIT STIEPARI PRESS

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1292.746 KB) | DOI: 10.56910/gemilang.v2i4.188

Abstract

Dunia perbankan begitu penting dalam masyarakat maupun dalam memajukan perekonomian suatu negara. Menyadari pentingnya kesehatan suatu bank untuk kepercayaan pada dunia perbankan maupun dalam masyarakat, dan untuk melaksanakan prinsip kehati-hatian. Sistem penilaian tingkat kesehatan bank peneliti menggunakan sistem penilaian tingkat kesehatan bank dengan faktor Risk Profile pada penelitian ini yang digunakan adalah NPL dan LDR. Faktor GCG diambil dari laporan tahunan masing-masing bank yang melakukan self assessment faktoe Earning penilaian yang digunakan adalah rasio ROA, dan faktor Capital penelitian ini menggunakan faktor CAR. Penelitian ini bertujuan untuk mengetahui tingkat kesehatan bank . Teknik pengambilan sampel dalam penelitian ini mennggunakan metode purposive sampling. Sampel yang digunakan dalam penelitian ini adalah data laporan keuangan tahun 2016-2020. Berdasarkan hasil dari penelitian ini dapat disimpulkan,, NPL (Non Performing Loan) pada PT Bank BNI Persero Tbk tahun 2016-2020 cenderung mengalamai peningkatan . LDR ( Loal to Deposit Ratio ) PT Bnak BNI Persero Tbk tahun 2016-2020 cenderung mengalami peningkatan dan dalam kondisi cukup sehat.GCG PT Bank BNI Persero Tbk tahun 2016-2020 mendapat peringkat baik. ROA ( Return On Assets) PT Bank BNI Persero Tbk tahun 2016-2020 cenderung mengalami penurunan kesehatan. CAR pada PT Bank BNI Persero Tbk cenderung mengalami peningkatan. Berdasarkan hasil penelitian ini dari ke lima rasio tersebut sehingga dapat disimpulkan bahwaa PT Bank BNI Persero Tbk tahun 2016-2020 cenderung fluktuatif. Untuk menjaga kesehatan bank tersebut agar selalu mengalami kenaikan tingkat kesehatan, bank harus meningkatkan kinerja dalam mengelola aktiva dan meminimalisir resiko pembiayaan bermasalah yang ada dan menekan biaya. Agar laba yang diperoleh untuk tahun tahun selnjutnya mengalami peningkatan.
Pengaruh Promosi, Brand Image, dan Lokasi Terhadap Keputusan Pembelian Pada 3Second Store Kediri Yonas Hans Andreawan; Endah Kurniawati; Nuril Aulia Munawaroh
Maeswara : Jurnal Riset Ilmu Manajemen dan Kewirausahaan Vol. 3 No. 4 (2025): AGUSTUS : Maeswara : Jurnal Riset Ilmu Manajemen dan Kewirausahaan
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/maeswara.v3i4.2151

Abstract

This study investigates the influence of promotion, brand image, and location on purchasing decisions at 3Second Store Kediri. The research employs a quantitative approach using both primary and secondary data sources. The primary data were obtained through the distribution of questionnaires to 309 respondents, while the secondary data were collected via interviews with store supervisors and direct observation at the research site. The variables under examination include promotion, brand image, and location as independent variables, and purchasing decision as the dependent variable. Data analysis involved both partial and simultaneous hypothesis testing to determine the strength and significance of each variable’s effect. The findings reveal that, partially, each of the three independent variables—promotion, brand image, and location—has a significant and positive effect on purchasing decisions. This indicates that improvement in any of these aspects will lead to a higher likelihood of customers making a purchase. Simultaneous testing also demonstrates that the three variables collectively exert a significant and positive influence on purchasing decisions. Among these, promotion emerges as the most dominant factor affecting purchasing decisions, as confirmed through the partial t-test results. The coefficient of determination (R²) is 0.581, which signifies that 58% of the variation in purchasing decisions can be explained by the three examined variables, while the remaining 42% is attributed to other factors not covered in this study, such as product quality, customer service, and pricing strategies. These results suggest that marketing strategies focusing on well-planned promotional activities, maintaining a strong and positive brand image, and choosing a strategic store location can effectively increase customer purchasing decisions. The findings provide valuable insights for retail management, particularly for fashion retail brands like 3Second Store, in developing targeted strategies to optimize sales performance.
Pengaruh Sosial Media Marketing, Store Atmosphere, Kualitas Pelayanan terhadap Keputusan Pembelian di Titik Tuju Coffe & Roastery Adelia Azizah Arifin Putri; Endah Kurniawati; Nuril Aulia Munawaroh
Jurnal Manajemen Kewirausahaan dan Teknologi Vol. 2 No. 4 (2025): Desember: Jurnal Manajemen Kewirausahaan dan Teknologi
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jumaket.v2i4.1051

Abstract

This study aims to analyze conflict management within organizations through a systematic literature review of the types of conflicts, their underlying causes, and the strategies used to address them. Organizational conflicts may arise at multiple levels—interpersonal, intergroup, and structural—each with distinct characteristics and implications. Based on a review of academic sources, the study identifies that conflicts are commonly triggered by differences in interests, limited resources, ineffective communication, and power dynamics. The literature findings indicate that conflict-handling strategies generally fall into five main approaches: avoidance, competition, accommodation, collaboration, and compromise. Among these strategies, collaboration is considered the most effective for achieving long-term solutions as it encourages open communication, joint problem-solving, and strengthened working relationships. The study concludes that effective conflict management can enhance organizational performance, improve teamwork, and foster a healthy work environment. These findings provide a theoretical foundation for future research and serve as a valuable reference for practitioners in formulating more effective conflict management policies.
Digital Empowerment and E-Commerce Adoption among Handicraft SMEs: A Contemporary Islamic Economic Law Study Using the TOE Framework Nuril Aulia Munawaroh; Sudarmiatin; Erry Tri Djatmika; Agus Hermawan; Miftahul Munir
MILRev: Metro Islamic Law Review Vol. 4 No. 2 (2025): MILRev: Metro Islamic Law Review
Publisher : Faculty of Sharia, IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/milrev.v4i2.11731

Abstract

This study critically examines the integration of the Technology-Organisation-Environment (TOE) framework into digital empowerment practices among handicraft small and medium-sized enterprises (SMEs) from the perspective of contemporary Islamic economic law. The research aims to explore how technological readiness, organisational capacity, and environmental support influence the adoption of e-commerce, while aligning these dynamics with Islamic ethical and legal principles such as fairness (‘adl), transparency (shafāfiyyah), and social welfare (maṣlaḥah). Using a qualitative descriptive approach, this study synthesises empirical findings from relevant literature and case studies of handicraft SMEs that have implemented digital transformation strategies. The analysis reveals that the successful adoption of e-commerce within Islamic legal frameworks depends not only on technological and managerial factors but also on compliance with sharia-based economic values that promote justice, trust, and ethical business practices. The study concludes that integrating the TOE framework into digital empowerment provides a holistic model for sustainable SME development, bridging modern economic innovation with the moral foundations of Islamic law. The academic contribution of this study lies in its interdisciplinary integration of the TOE framework with contemporary Islamic economic jurisprudence, offering a novel analytical model that bridges digital innovation and normative Islamic law. It enriches the discourse on digital transformation in Muslim-majority economies by offering a sharia-compliant perspective on sustainable SME development and policy formulation.
Pengaruh Peran Ganda Stres Kerja dan Beban Kerja Terhadap Kinerja Pegawai Wanita UPTD Puskesmas Ngadiluwih Erinda Dita Ayu Putri; Sonny Subroto; Nuril Aulia Munawaroh
Jurnal Manajemen Kreatif dan Inovasi Vol. 2 No. 3 (2024): Juli: Jurnal Manajemen Kreatif dan Inovasi
Publisher : International Forum of Researchers and Lecturers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59581/jmki-widyakarya.v2i3.3855

Abstract

This research is motivated by a company engaged in the agency. The purpose of this study was to explain the effect of dual roles, work stress and workload on the performance of female employees. This research was conducted at UPTD Puskesmas Ngadiluwih. This research method used is a quantitative method using questionnaires as data. This research uses purposive sampling technique. The sample in this study were all female employees as many as 30 employees of UPTD Puskesmas Ngadiluwih. the technique used to analyze is with the SPSS IMB version 27 program. Data analysis techniques in this study with validity test, reliability test, classical assumption test, multiple linear regression analysis, t test, f test and R2 determination coefficient test. The results of this test concluded that the t test showed that the dual role variable partially had a significant positive effect on employee performance with a significant value of <0.001 and a tcount value of 3.874. The work stress variable partially has a non-significant positive effect on employee performance with a significant value of 0.065 and a tcount value of 1.925. The workload variable partially has a positive and insignificant effect on employee performance with a significant value of 0.932 and a tcount value of -0.086. And the results of the f test show that the dual role variable, work stress and workload have a significant effect on the performance of female employees with a significant value of <0.001 and a Fcount of 18,145 .