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Pengaruh Rasio Kecukupan Modal, Likuiditas, Risiko Kredit dan Efisiensi Biaya Terhadap Profitabilitas Pada Bank Go Public Uli Wildan Nuryanto; Anis Fuad Salam; Ratih Purnama Sari; Dede Suleman
MONETER - JURNAL AKUNTANSI DAN KEUANGAN Vol 7, No 1 (2020): April 2020
Publisher : Universitas Bina Sarana Informatika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31294/moneter.v7i1.6777

Abstract - This increase in economic growth does not necessarily increase the profitability of banks in Indonesia. There are three fundamental problems that have been unearthed by the Deposit Insurance Corporation (LPS) for banks, among others, the first decline in bank interest rates continuously causing bank interest margins to thin. Second, the regulatory burden requires banks to set aside capital for additional bank capital reserves and thirdly the potential increase in the risk of non-performing loans due to global economic uncertainty and the uneven recovery of the domestic economy. For this reason, this research was conducted to find out how much profitability of domestic banks listed on the Indonesia Stock Exchange in the period 2014-2018 and also the relationship between internal predictors which, according to the review study, had a significant effect on profitability. The population in this study were 43 banks listed on the Indonesia Stock Exchange in the 2014-2018 period while the sample was 10 banks listed on the IDX with the largest number of assets according to Bank Indonesia using the purposive sampling method. The results showed a significant CAR, LDR, NPL and BOPO significantly influence ROA. While partially LDR, NPL and BOPO have a significant effect on ROA while CAR has no significant effect. The magnitude of the effect of the predictor variable on profitability using the coefficient of determination obtained by 74.2% while the remaining 25.8% is influenced by other variables outside this research model.Keywords: Capital Adequacy Ratio (CAR), Liquidity Ratio (LDR), Credit Risk (NPL), Operational Cost Efficiency (BOPO). Profitability (ROA).

PENGARUH KECERDASAN EMOSIONAL TERHADAP KOMPONEN PRESTASI AKADEMIK DITINJAU DARI KEMAMPUAN LITERASI MEDIA (Studi Kasus Pada Perguruan Tinggi Swasta di Kota Serang) Ratih Purnamasari Purnamasari; Uli Wildan Nuryanto
JMB : Jurnal Manajemen dan Bisnis Vol 9, No 1 (2020): JMB : Jurnal Manajemen dan Bisnis
Publisher : Universitas Muhammadiyah Tangerang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/jmb.v9i1.2624

Academic achievement can’t be solely viewed in terms of GPA and cognitive abilities but needs to be supported by emotional intelligence. How many found in daily life people who succeed not because of high GPA but because they have high emotional intelligence, also found people who have high intellectual intelligence with high GPA actually fail in everyday life due to not having emotional intelligence. Academic achievement is also influenced by external and internal factors, the ability of media literacy to be an important internal part of student academic achievement, due to media literacy is one of the challenge in discussion that filtered a negative impact on past media and critically thinking about messages that should be found from media. This study was conducted to determine the effect of emotional intelligence on the ability of media literacy from 354 sample respondent of private university in Serang City using a quantitative approach. Emotional intelligence was measured using 5 dimensions and 15 indicators while ability of media literacy was measured using 7 indicators. The results from conformatory factor analysis using the measurement model obtained all indicators are valid and reliable in measured the latent variables. As well as the results of inner model analysis where the model has goodness of fit. From the five hypothesis test results that had been formulated at the beginning showed that each dimension of emotional intelligence had a positive and significant effect on the ability of media literacy with a magnitude of influence of 69.1%.

PELUANG DAN TANTANGAN UMKM DI MASA PANDEMI COVID-19 Fitriyah Nurhidayah; Putri Mutira; Yanti Yanti; Ratih Purnamasari; Meutia Meutia; Lia Uzliawati; Tubagus Ismail; Dadan Ramdhani; Imam Abu Hanifah; Elvin Bastian; Helmi Yazid; Agus Sholikhan Yulianto
Martabe : Jurnal Pengabdian Kepada Masyarakat Vol 5, No 2 (2022): Martabe : Jurnal Pengabdian Kepada Masyarakat
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jpm.v5i2.695-698

Pandemi Covid-19 telah berlangsung lebih dari setahun dan masih belum menunjukkan tanda-tanda akan segera berakhir. Dampaknya sangat luas dan mempengaruhi berbagai sektor, termasuk UKM. Para pelaku usaha tersebut secara langsung mengalami penurunan omzet bahkan menutup usahanya. Sebagai upaya untuk mengurangi atau mengatasi dampak pandemi di sektor UKM, kampus bisa menjadi motor penggerak. Universitas Sultan Ageng Tirtayasa melalui kegiatan Pengabdian kepada Masyarakat tidak ketinggalan juga berkontribusi, namun dengan mempertimbangkan situasi pandemi dan pembatasan kegiatan masyarakat secara langsung dengan jangkauan yang luas dan untuk memutus penyebaran Covid-19 maka digunakan strategi webinar online, yaitu peluang dan tantangan yang dihadapi oleh UKM di Indonesia. di tengah pandemi yang memberikan solusi terbaik.

EFFECT OF SELF-EFFICACY, MOTIVATION ON ENTREPRENEURSHIP, ENTREPRENEURSHIP EDUCATION, AND SOCIAL ENVIRONMENT AGAINST INTEREST IN ENTREPRENEURSHIP ON MICRO, SMALL AND MEDIUM ENTERPRISES BUSINESSES IN SERANG REGENCY Uli Wildan Nuryanto; Ratih Purnamasari; Masyhudzulhak Djamil Mz; Ahmad Hidayat Sutawidjaya; Ahmad Badawi Saluy
Jurnal Akademi Akuntansi Vol. 2 No. 2 (2019): Jurnal Akademi Akuntansi (JAA)
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jaa.v2i2.10016

The high population growth rate in Serang Regency in the last five years which reached an average rate of 0.77% made Serang Regency one of the Regencies that contributed to the high rate of population growth in Banten Province which in the last five years reached an average lift of 2,14%. This figure is inversely proportional to the amount of adequate employment, making Serang Regency the Regency with the highest open un-employment rate in Banten Province which reached 12.78%, this causes Banten Province to become the Province with the highest open un-employment rate in Indonesia with number 8,52% (BPS, 2018). Various efforts were made by the government to tackle un-employment in Serang Regency, one of which was the development of independent community enterprises in the form of entrepreneurship. For this reason, the study seeks to examine indicators that can influence each exogenous and endogenous variable, as well as the influence on the interest in entrepreneurship in Serang regency. Factors that influence the interest in entrepreneurship in this study are divided into two, including internal factors consisting of self-efficacy and motivation for entrepreneurship as well as external factors consisting of entrepreneurship education and social environment. From the outer test results found all indicators of each variable have high validity and reliability in describing each of the latent variables while the results of the inner test obtained four hypotheses which showed a significant effect of each predictor variable on the interest in entrepreneurship, with the magnitude the influence of the four variables is 79.8%.

Development of the Bestari Green Waste Bank: Integration of Creative Economy and Green Economy in Serang City Julia Safitri; Fitri Normasari; Is Eka Herawati; Ratih Purnamasari; Putri Yudha Septiana; Jaka Pamungkas
MOVE: Journal of Community Service and Engagement Vol. 5 No. 5 (2026)
Publisher : EQUATOR SINAR AKADEMIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54408/move.v5i5.634

This study analyzes the development strategy of the Bestari Green Waste Bank in Serang City through the integration of the creative economy as the main driver of the transition to a green economy. Facing the urban waste management crisis, a paradigm shift is needed from the linear "take-use-dispose" model to a circular model that adds value to waste materials. Using descriptive qualitative methods, this study evaluates the operational mechanisms and socio-economic impacts of the waste bank program through field observations and document studies. The research findings indicate that the application of creativity elements in inorganic waste processing can transform waste commodities that were initially low in value into craft products with high economic value. This upcycling process significantly contributes to reducing the volume of residue sent to the final processing site, while creating income diversification for the local community. Theoretically, this integration proves that the synergy between human creativity and environmental governance is key to achieving green economic sustainability at the grassroots level. The implications of this research suggest the importance of strengthening design capacity and synchronizing local government policies to expand the scale of the economic and ecological impacts of this model.

Pola Whistleblowing dan Pendeteksian Early Warning Fraud pada Skema Kredit Usaha Rakyat (KUR) oleh Pemerintah: Perspektif Akuntansi Forensik Sektor Publik Ratih Purnamasari; Agus Sholikhan Yulianto; Anna Sofia Atichasari
Journal of Economics and Business UBS Vol. 15 No. 3 (2026): Journal of Economics and Business UBS
Publisher : Cv. Syntax Corporation Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52644/0sha7f72

Skema Kredit Usaha Rakyat (KUR) sebagai instrumen strategis pemerintah menghadapi risiko fraud signifikan, sebagaimana diilustrasikan kasus KUR fiktif yang merugikan negara hingga miliaran rupiah. Penelitian sebelumnya lebih fokus pada sisi bank penyalur, mengabaikan perspektif pemerintah sebagai pengawas. Penelitian ini bertujuan memetakan pola whistleblowing, mengidentifikasi indikator early warning fraud, dan mengevaluasi kesenjangan sistem deteksi dini dalam skema KUR dari perspektif akuntansi forensik sektor publik. Penelitian kualitatif dengan desain studi kasus instrumental di Provinsi Banten. Data dikumpulkan melalui wawancara mendalam terhadap informan dari berbagai institusi pengawas KUR serta analisis dokumentasi. Analisis menggunakan analisis tematik enam fase Braun & Clarke. Hasil penelitian menunjukan bahwa Whistleblowing internal tidak berfungsi seluruh fraud terungkap dari laporan eksternal korban pencatutan identitas. Lima red flags early warning sistematis diabaikan, meliputi tanda tangan identik antar berkas, survei lapangan fiktif, dan aliran dana ke rekening penampung. Kesenjangan utama adalah lemahnya koordinasi lintas institusi, keterbatasan teknologi verifikasi, dan tidak adanya perlindungan whistleblower. Diperlukan integrasi data real-time lintas institusi, penerapan geotagging dan verifikasi biometrik, serta perlindungan hukum bagi whistleblower dengan insentif finansial.

Development of the Bestari Green Waste Bank: Integration of Creative Economy and Green Economy in Serang City Julia Safitri; Fitri Normasari; Is Eka Herawati; Ratih Purnamasari; Putri Yudha Septiana; Jaka Pamungkas
MOVE: Journal of Community Service and Engagement Vol. 5 No. 5 (2026)
Publisher : EQUATOR SINAR AKADEMIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54408/move.v5i5.634

This study analyzes the development strategy of the Bestari Green Waste Bank in Serang City through the integration of the creative economy as the main driver of the transition to a green economy. Facing the urban waste management crisis, a paradigm shift is needed from the linear "take-use-dispose" model to a circular model that adds value to waste materials. Using descriptive qualitative methods, this study evaluates the operational mechanisms and socio-economic impacts of the waste bank program through field observations and document studies. The research findings indicate that the application of creativity elements in inorganic waste processing can transform waste commodities that were initially low in value into craft products with high economic value. This upcycling process significantly contributes to reducing the volume of residue sent to the final processing site, while creating income diversification for the local community. Theoretically, this integration proves that the synergy between human creativity and environmental governance is key to achieving green economic sustainability at the grassroots level. The implications of this research suggest the importance of strengthening design capacity and synchronizing local government policies to expand the scale of the economic and ecological impacts of this model.

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