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Impact of Financial Risks on the Performance of Regional Development Banks in Indonesian: A Comprehensive Analysis of ROA and ROE Darmansyah; Juniar, Asrid
Ilomata International Journal of Social Science Vol. 5 No. 3 (2024): July 2024
Publisher : Yayasan Ilomata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijss.v5i3.1255

Abstract

This research analyzes the simultaneous, partial and dominant influence on financial risk factors on the performance of regional development banks in Indonesia. The population and sample of this study is a panel data set of 27 Regional Development Banks (RDB) in Indonesia from 2019 to 2023 from the annual financial reports. The results show that financial risk has a significant influence on ROA (74.5%) and ROE (61.3%). Also Liquidity Risks, Market Risks, Operational Risk and Leverage Risk significantly affect Return on Assets. Return on Equity is only affected by Liquidity Risks and Market Risks.
Exploring Accountability and Transparency in Government Agency Management: A Literature Review Irawati, Syati; Hayat, Atma; Juniar, Asrid; Handayani, Sri Astuti
Ilomata International Journal of Management Vol. 5 No. 3 (2024): July 2024
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v5i3.1189

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Public bureaucratic practices are frequently criticized for being impolite, unfriendly, discriminatory, and for having service systems that are non-transparent, complicated, and do not guarantee certainty in terms of time and costs. These issues arise from a lack of transparency and accountability in public service implementation. Transparency involves the freedom to access information, while accountability ensures that activities are carried out responsibly and answerable to the public. This research explores the relationship between accountability and transparency in government agency management through a literature review. The study analyzes 30 journals from state and private universities, published between 2018 and 2023, to understand their impact on government performance. Data was collected from Google Scholar using the keywords "accountability and transparency." Strict criteria and limitations were applied to ensure the relevance and suitability of the data for this research. The findings emphasize the importance of accountability and transparency in improving the performance of government entities at various levels, including regional, city, and village governments, as well as organizations. These concepts are crucial for addressing issues related to performance, finance, and budget management. The study highlights the need for further research to explore these relationships in depth and to develop frameworks for better public service delivery. By integrating accountability and transparency into government operations, public trust can be restored, and the efficiency and effectiveness of public services can be significantly enhanced. This literature review serves as a reference for future studies and practical applications aimed at improving the management and performance of government agencies and organizations.
PENDAMPINGAN PENGELOLAAN WEBSITE SMP TAHFIZH TERPADU ELQUDWAH KABUPATEN BARITO KUALA KALIMANTAN SELATAN Zainal Abidin, Muhammad; Suhaili , Achmad; Wardhana, Ali; Anwar, Kasyful; Juniar, Asrid; Rahmawati , Rini
Jurnal Pengabdian Getek Vol. 2 No. 1 (2024): Getek : Jurnal Pengabdian Kepada Masyarakat
Publisher : LP2M UNIVERSITAS ACHMAD YANI BANJARMASIN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57216/getek.v2i1.810

Abstract

Kegiatan pengabdian kepada masyarakat oleh Tim PKM FEB Universitas Lambung Mangkurat Banjarmasin di SMP Tahfizh Terpadu Elqudwah Kabupaten Barito Kuala Kalimantan Selatan yang dilaksanakan pada bulan Februari - April 2024. Tujuan dalam kegiatan pengabdian masyarakat ini adalah meningkatkan pengetahuan dan keterampilan pengelola website sekolah yang ditugaskan untuk mengelola website sekolah sehingga dapat mengelola website yang sudah ada secara baik dan efektif sebagai media informasi yang dapat digunakan dalam rangka kegiatan sosialisasi, promosi dan keterbukaan informasi Satuan Pendidikan publik sesuai Standar Pengelolaan khususnya pada Jenjang Pendidikan Menengah. Evaluasi terhadap kegiatan pengabdian kepada masyarakat yang dilakukan kepada seluruh peserta pelatihan pada kegiatan pendampingan pengelolaan website sekolah menyatakan bahwa kegiatan ini sangat bermanfaat bagi peningkatan pengetahuan dan keterampilan para peserta dalam mengelola website sekolah. Dengan adanya pendampingan pengelolaan website sekolah ini diharapkan pihak sekolah dapat mengelola website yang sudah ada secara baik dan efektif dalam rangka kegiatan sosialisasi, promosi dan transparansi pengelolaan sekolah.
Kinerja Keuangan Bank Mandiri Tbk Sebelum Dan Sesudah Stock Split N Kalbiyati, Ridha; Juniar, Asrid; Adi, Setijo; Sofyaun, Ashari
MEDIA RISET EKONOMI [MR.EKO] Vol 3 No 3 (2024): MEDIA EKONOMI [MR.EKO]
Publisher : Fakultas Ekonomi Universitas Balikpapan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36277/mreko.v3i3.514

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This study aims to analyze the financial performance of Bank Mandiri Tbk before and after the stock split. The type of research used is quantitative research. The objects in this study are the financial statements and market performance (stock prices) of PT Bank Mandiri Tbk before and after the stock split. The sample is the financial statements for 2014-2016 as the period before the stock split and 2018-2020 after the stock split. The results of the study showed no difference in financial performance interpreted by the Current Ratio, Debt Equity Ratio, Return on Equity, Total Assets Turn Over both before and after the Stock Split policy.
The Influence of Demographic and Economic Factors on Non-Performing Loans of MSMEs in Regional Development Banks Zulkarnain, Muhammad Aris; Hayat, Atma; Juniar, Asrid
Asian Journal of Management, Entrepreneurship and Social Science Vol. 4 No. 04 (2024): Upcoming issues, Asian Journal of Management Entrepreneurship and Social Scien
Publisher : Cita Konsultindo Research Center

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

Abstract

This study aims to analyze the demographic and economic factors affecting Non-Performing Loans (NPLs) of Micro, Small, and Medium Enterprises (MSMEs) at the South Kalimantan Regional Development Bank. By employing logistic regression analysis, this research seeks to address the primary issue of loan defaults in the banking sector. Building on previous research that identifies various bank-specific and macroeconomic factors influencing NPLs, this study positions itself within the broader discourse by focusing on demographic variables such as age, gender, and economic sector. The methodology involves analyzing MSME loan records from 2020 to 2023, considering variables like loan type, region, loan term, loan limit, inflation, and economic growth. The main findings reveal significant predictors of NPLs, including age, gender, loan term, loan limit, inflation, and economic growth. These results offer novel insights into the determinants of NPLs, suggesting that older borrowers and higher loan limits increase the likelihood of NPLs, while female borrowers, longer loan terms, lower inflation, and higher economic growth reduce it. The study's recommendations for the South Kalimantan Regional Development Bank include incorporating these factors into their credit risk assessments to improve loan performance and financial stability.
POTENSI DAN STRATEGI PENGEMBANGAN EKONOMI KREATIF UNTUK MENDUKUNG PARIWISATA DI KABUPATEN KOTABARU Asrid Juniar; Muhamad Rusmin Nuryadin; Rini Rahmawati
JURNAL EDUCATION AND DEVELOPMENT Vol 12 No 2 (2024): Vol 12 No 2 Mei 2024
Publisher : Institut Pendidikan Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37081/ed.v12i2.6029

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Penelitian ini bertujuan untuk menganalisis karakteristik dan perkembangan ekonomi kreatif pendukung pariwisata serta mengembangkan desain dan model strategi pengembangan ekonomi kreatif pendukung pariwisata di Kabupaten Kotabaru. Jenis penelitian yang digunakan untuk menyelesaikan penelitian ini adalah metode campuran, yaitu suatu upaya terencana, sistematis, terstruktur dan terukur dengan memanfaatkan dua metode penelitian secara bersamaan yaitu kuantitatif dan kualitatif. Objek penelitian adalah sektor ekonomi kreatif di kawasan wisata Kabupaten Kotabaru sesuai dengan Peraturan Daerah Kabupaten Kotabaru Nomor 8 Tahun 2018. Fokus kajian pada sektor ekonomi kreatif gabungan dari Kawasan Pengembangan Pariwisata Kabupaten (KPPK) dan Kawasan Strategis Pariwisata Kabupaten (KSPK) di Kabupaten Kotabaru. Dari tujuh belas subsektor yang termasuk dalam ekonomi kreatif, terdapat delapan subsektor yang mampu menunjang pariwisata di Kabupaten Kotabaru, yaitu kuliner, musik, fesyen, arsitektur, kerajinan, seni pertunjukan, media periklanan dan aplikasi. Subsektor ekonomi kreatif unggulan antara lain kuliner, musik, fesyen, dan arsitektur, sedangkan subsektor ekonomi kreatif kerajinan, seni pertunjukan, media periklanan, dan aplikasi merupakan subsektor potensial. Meskipun subsektor ekonomi kreatif dapat memberikan tambahan pendapatan bagi yang terlibat, namun masih belum bisa maksimal mendukung pariwisata di Kabupaten Kotabaru karena permasalahan yang paling sering muncul adalah permasalahan sumber daya manusia, permasalahan pembiayaan dan permasalahan kelembagaan.
PEMBEKALAN DALAM MEMBANGUN SPIRIT WIRAUSAHA BAGI PELAJAR SISWA SMA TAHFIDZ TERPADU EL QUDWAH Rahmawati, Rini; Juniar, Asrid; Abidin, M. Zainal; Wardhana, Ali; Suhaili, Achmad; Anwar, Kasyful
Bakti Banua : Jurnal Pengabdian Kepada Masyarakat Vol. 4 No. 2 (2023): BAKTI BANUA : JURNAL PENGABDIAN KEPADA MASYARAKAT
Publisher : Sekolah Tinggi Ilmu Manajemen Indonesia (STIMI) Banjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35130/bbjm.v4i2.504

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Kegiatan Pengabdian kepada masyarakat ini dilakukan di Sekolah Menengah Atas Tahfidz Terpadu El Qudwah di kabupaten Barito Kuala. Materi yang disampaikan terkait dengan Bidang Kewirausahaan dengan Tema kegiatan  Penerapan Iptek dalam Membangun Spirit Wirausaha Bagi Pelajar SMA Tahfidz Terpadu El Qudwah. Pembekalan terhadap siswa SMA dirasakan perlu diberikan mengingat pentingnya menumbuhkan minat atau spirit wirausaha yang dimulai sejak dini di kalangan pelajar siswa sekolah menengah atas untuk memberikan pengetahuan dasar tentang berwirausaha. Materi tentang dasar-dasar tentang wirausaha, pola pikir dan sikap yang diperlukan dalam wirausaha disampaikan sebagai dasar mempersiapkan diri dan mental dalam rangka memulai berwirausaha serta menggunakan iptek dalam mendukung berwirausaha. Luaran dari kegiatan PKM di SMA Tahfidz Terpadu El Qudwah  ini adalah video kegiatan dan publikasi kegiatan di media online memalui channel Youtube Yayasan El Qudwah.
Narrative Research Study: Market Sentiment As A Trigger For Cryptocurrency Volatility Hidayatullah, Mahdi; Juniar, Asrid
SENTRALISASI Vol. 14 No. 1 (2025): January
Publisher : Universitas Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33506/sl.v14i1.3900

Abstract

This study aims to analyze the impact of market sentiment on cryptocurrency price volatility, focusing on the top 50 cryptocurrencies by market capitalization in 2024. Data was collected from CoinMarketCap for the period 2021-2023, and market sentiment is measured using Natural Language Processing on text data from social media (Twitter, Reddit), forums, and news articles. The analysis employs Structural Equation Modeling - Partial Least Squares to examine the relationship between market sentiment and price volatility. The latent variable "Market Sentiment" is constructed using the NLP indicator, while "Price Volatility" is measured by daily standard deviations and the Average True Range. Additional factors, such as Layer-1, Layer-2, Decentralized Finance, Specialized Computing, Real World Assets, and Decentralized Infrastructure Projects, are also incorporated for a more comprehensive analysis. The results show that positive sentiment significantly increased price volatility, especially for speculative projects like Layer-2 and DeFi, while negative sentiment significantly reduced volatility. Neutral sentiment had no significant effect on price volatility. These findings highlight the important role of social media and news in driving sharp price movements in the cryptocurrency market, providing valuable insights for investors and policymakers in managing and responding to market sentiment.
KEBERLANGSUNGAN BISNIS UMKM BERDASARKAN LITERASI KEUANGAN DIGITAL DAN RISIKO KEUANGAN DIGITAL DI DAERAH LAHAN BASAH KOTA BANJARMASIN Jikrillah, Sufi; Juniar, Asrid
JWM (JURNAL WAWASAN MANAJEMEN) Vol. 12 No. 2 (2024)
Publisher : Universitas Lambung Mangkurat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20527/jwm.v12i2.343

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The purpose of this research is to provide solutions and understanding regarding digital financial literacy as the sustainability of MSMEs in facing uncertain conditions, identifying digital financial risks, assessing potential digital financial risks that may arise, and analyzing the strategies that MSMEs will implement to address or manage these digital financial risks. In this study, a Census Sampling method is used, which is a sampling method where all members of the population are used as samples (Sugiyono, 2014). The number of the population and the sample is the same (saturated sample) from this study, which consists of MSME entrepreneurs in the Sasirangan village, Ketupat village, and Purun village. The number of samples used in this study is 30 SMEs. The results of this study indicate a positive and significant impact of digital financial literacy on the profit growth of SMEs. The most impactful financial risks that need immediate management/treatment are: Digital Market Risk and Digital Credit Risk, which often occur and have significant impacts, as well as Digital Liquidity Risk and Digital Capital Risk, which sometimes occur and have moderate impacts.
Socialization of The Potential Revenue of Local Taxes for The Younger Generation of Water and Swamp Areas Rahmawati, Rini; Juniar, Asrid; Wardhana, Ali; Hamdani, Hamdani; Wijaya, Melinda; Fitriani, Lisa Nor; Tiofajrian, Muhammad Rosyad
Unram Journal of Community Service Vol. 5 No. 4 (2024): December
Publisher : Pascasarjana Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/ujcs.v5i4.745

Abstract

Regional taxes as a source of original regional income are one of the basic capital for regional governments to obtain funds for development and to fulfill regional expenditures thereby reducing dependence on the central government and its subsidies. The problem that prospective taxpayers often experience is a lack of knowledge about taxes. Limitations in access to adequate information about taxes, such as seminars, guides, or assistance from tax experts, can lead to inaccurate perceptions of taxes. This condition results in a decrease in the level of compliance with paying taxes, which will ultimately be detrimental to the government in financing public services and infrastructure development needed for community welfare. People who live in areas dominated by water and swamp areas must be aware that there are unique features that have different potential for Regional Original Income (PAD). This activity aims to increase local taxpayer compliance among the younger generation through the activity of Equating Perceptions of Potential Regional Tax Revenue from Water and Swamp Areas for the Young Generation at the El Qudwah Foundation in the Barito Kuala district. The results show that socialization regarding taxes is really needed by the younger generation so that they are obedient in paying taxes, increasing tax compliance will have an impact on increasing local original income, which is very beneficial for regional development whose aim is to improve the welfare of regional communities both in water and swamp areas. in all city districts in South Kalimantan province.