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Pengaruh Loan to Deposit Ratio Dan Biaya Operasional Pendapatan Operasional Terhadap Profitabilitas Bank Bella Aldama Faradilla; Filani Zikri Hassan; Soei Khim
Jurnal Ilmiah Manajemen Kesatuan Vol 9 No 3 (2021): JIMKES Edisi Desember 2021
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v9i3.768

Abstract

Profitability is the ability or ability of banks to make a profit. The problem of profitability is very important because bank revenue is the main target that must be achieved by the bank because the main goal of the bank is to achieve profit. The higher the bank's profitability, the better the bank's performance. The formulation of the problem in this study are does the Loan to Deposit Ratio (LDR) affect profitability, Operational Income Operational Costs (BOPO) affect profitability and Loan to Deposit Ratio and Operational Income Operational Costs affect Profitability. Public Bank for the 2014-2019 period. Data were analyzed using the classic assumption test, multiple linear regression analysis, Determination analysis, simultaneous significance test (F test) and partial significance test (t-test). The results showed that the Loan to Deposit Ratio had a negative and significant effect on Profitabiltas. Operating Costs Operating Income has a negative and significant effect. Loan to Deposit Ratio and Operating Costs Operating Income has effect on profitability at commercial banks for the 2014-2019 period. Keywords : LDR, BOPO and profitability
Inovasi Kemasan Dan Pemasaran Berbasis Teknologi Kunci Pengembangan Produk UMKM Kota Bogor Yulia Nurendah; Ani Mekaniwati; Soei Khim
Jurnal Abdimas Dedikasi Kesatuan Vol 2 No 2 (2021): JADKES Edisi Juli 2021
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jadkes.v2i2.1647

Abstract

Salah satu upaya pengembangan produk adalah melalui kemasan. Kemasan hendaknya dapat mempengaruhi konsumen untuk memberikan kesan positif. Kemasan produk merupakan hal yang paling penting dalam persaingan di dunia bisnis. Terutama untuk produk makanan yang mempunyai banyak pesaing di pasaran. Seiring dengan perkembangan waktu, desain kemasan bukan hanya sebagai pelindung, akan tetapi juga sebagai nilai seni yang menggambarkan keistimewaan produk, membujuk konsumen, filosofi produk, dan lain sebagainya. Kemasan kreatif juga dapat dipakai sebagai strategi pemasaran dan penguatan merek produk. Tantangan bagi para pelaku UMKM saat ini tentu berfokus pada pemasaran agar produknya mampu menjangkau semua elemen. Oleh karena itu pelaku UMKM harus melek terhadap teknologi sebagai solusi alternatif untuk mengembangkan UMKM. Tidak hanya itu, pelaku UMKM juga harus mengenal pemasaran online atau digital marketing sebagai langkah mudah berekspansi memasarkan produk secara online. masih banyak UMKM di Indonesia ini yang masih menggunakan metode pemasaran secara tradisional karena kurangnya penguasaan teknologi informasi, dimana hal ini menyebabkan kurangnya daya saing dibanding dengan ritel-ritel modern berbasis online, terutama daya saing untuk menarik perhatian kalangan muda yang terbilang konsumtif dan lebih banyak mengandalkan online shopping. Maka dari itu, dibutuhkannya pelatihan mengenai pengetahuan teknologi informasi untuk pengelolaan UMKM. kegiatan PKM ini dilaksanakan pada tanggal 10 Maret 2021, dengan metode Ceramah atau penyuluhan, Tanya Jawab dan Simulasi. Kata Kunci: Kemasan, UMKM, Teknologi
Faktor-faktor Yang Mempengaruhi Harga Saham Perusahaan Iswandi Sukartaatmadja; Soei Khim; Maulvi Novia Lestari
Jurnal Ilmiah Manajemen Kesatuan Vol 11 No 1 (2023): JIMKES Edisi April 2023
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v11i1.1627

Abstract

Changes in stock prices fluctuations are influenced by internal factors or also called fundamental factors originating from within the company which are shown in the company's financial statements, and external factors related to the economic conditions of a country. This study aims to determine the effect of Liquidity, Profitability, Inflation, and BI7DRR on Stock Prices in Plantation Sub-Sector Companies Listed on the Indonesia Stock Exchange for the 2016-2020 Period, either simultaneously or partially. This study uses quantitative methods with panel data regression analysis using the Eviews version 9.0 program. The results of this study indicate that partially the Current Ratio (CR) variable has no and no significant effect on stock prices, Return On Assets (ROA) partially and significantly affects stock prices, Inflation partially and significantly affects stock prices, and BI7DRR partially partial has no effect and is not significant to stock prices. Simultaneously, the variables Current Ratio (CR), Return On Assets (ROA), Inflation and BI7DRR have a significant effect on stock prices in Plantation Sub-Sector Companies Listed on the Indonesia Stock Exchange for the 2016-2020 Period. Keyword : Liquidity, Profitability, Inflation, BI7DRR, Stock Prices
Faktor-faktor Yang Meningkatkan Harga Saham Perusahaan Food And Beverages Soei Khim; Sultan Fajar Fadillah; Nusa Muktiadji
Jurnal Ilmiah Manajemen Kesatuan Vol 11 No 1 (2023): JIMKES Edisi April 2023
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v11i1.1679

Abstract

The capital market is a meeting place for two interests, namely those who need funds (companies) and those who have excess funds (investors). One of the capital market instruments, namely stocks, companies can get funds from investors by selling shares and investors can buy company shares to get profits in the future. The stock price of a company can be influenced by various factors including financial performance. Whether or not the company's financial performance can affect the rise or fall of the company's stock price. The better the company's performance, the better the opportunity to get a stock price increase in the future. This study aims to analyze the effect of Earning Per Share, Price Earning Ratio and Price Book Value on Stock Prices. The type of data used is secondary data and is a quantitative research. Sources of data obtained from the company's financial statements published on the company's website and the idx website. The population used is food and beverages sub-sector companies listed on the Indonesia Stock Exchange in 2016 - 2020. The sample used is 7 companies using purposive sampling. The analytical method used is multiple regression analysis using the SPSS version 22 program. The results showed that partially Earning Per Share, Price Earning Ratio and Price Book Value had a significant effect on stock prices. Simultaneously Earning Per Share, Price Earning Ratio and Price Book Value have a significant effect on stock prices Keywords: Earning Per Share, Price Earning Ratio, Price Book Value, and Stock Price.
Manajemen Komunikasi Persuasif Pada Endorsement Selebgram di Instagram Soei Khim; Nuning Indah Pratiwi; Wahyu Indra Satria; I Putu Dharmawan Pradhana; Jonathan Jacob Paul Latupeirissa
Jurnal Sinestesia Vol. 13 No. 1 (2023)
Publisher : Pusat Studi Bahasa dan Publikasi Ilmiah

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

Abstract

Banyaknya jumlah pengguna Instagram di Indonesia menciptakan sebuah fenomena baru seperti munculnya selebgram atau selebritis yang dikenal karena Instagram, online shop atau toko online yang menjual barang melalui akun di Instagram, endorsement, hingga paid promote. Penelitian ini bertujuan untuk mengetahui komunikasi persuasif pada endorsement yang digunakan oleh selebgram di Instagram. Dengan rumusan masalah dalam penelitian ini adalah mengenai bagaimana bentuk komunikasi persuasif selebgram di Instagram. Penelitian yang dibuat ini menggunakan pendekatan kualitatif yang bersumber dari pendekatan interpretatif atau subjektif. Pada penelitian ini, peneliti menggunakan teknik pengumpulan data dengan teknik wawancara mendalam, observasi, dan dokumentasi. Wawancara yang dilakukan di Bali dan luar Bali melalui melalui luring dan daring via Google Meet Sesudah melakukan penelitian dan didapatkan datanya, kemudian data akan dianalisis sehingga bisa bertemu dengan deskripsi berkaitan aktivitas komunikasi komunikasi persuasif pada endorsement yang digunakan oleh selebgram @blq.sss di Instagram. Hasil dari penelitian ini yaitu komunikasi persuasif yang digunakan oleh selebgram Balqis Aqila Ahya di Instagram miliknya @blq.sss adalah komunikasi verbal dan non verbal. Dimana komunikasi persuasif verbal berupa video dan foto serta story yang diunggahnya. Sedangkan komunikasi persuasif non verbal biasanya Balqis terapkan dengan caption ataupun hastag dan tag ke produk yang dipromosikan. Selain itu, jika ditinjau berdasarkan teori atribusi, maka Balqis Aqila Ahya dalam melakukan proses endorsment di media sosial Instagramnya sudah memberikan pengaruh dan dampak kepada para pengikutnya.
The Role of Bank Credit, Financial Management, and Access to Capital in Enhancing MSME Sustainability Wimpi Srihandoko; Hendra Setiawan; Soei Khim
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 4 (2025): JIMKES Edisi Juli 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i4.4012

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a strategic role in supporting economic growth and employment; however, maintaining business sustainability remains a major challenge, particularly in relation to financing and financial management. This study aims to examine the effects of bank credit, financial management, and access to capital on MSME sustainability. A quantitative approach with a cross-sectional design was employed, and data were collected through a structured questionnaire administered to 120 MSME owners in Bogor City, West Java, selected using purposive sampling. Data analysis was conducted using the Partial Least Squares–Structural Equation Modeling (PLS-SEM) approach. The results indicate that bank credit, financial management, and access to capital all have positive and significant effects on MSME sustainability. Among these factors, financial management demonstrates the strongest influence, highlighting the critical role of internal financial capability in enhancing business sustainability. The coefficient of determination shows that the proposed model explains a substantial proportion of the variance in MSME sustainability. These findings suggest that access to external financing alone is insufficient to ensure long-term sustainability unless supported by effective financial management practices. This study contributes to the MSME sustainability literature by integrating external financing and internal financial capability within a single empirical model and provides practical insights for MSME owners, financial institutions, and policymakers in designing integrated strategies to strengthen sustainable MSME development.   Keywords: Bank Credit; Financial Management; Access to Capital; MSME Sustainability
Prosedur Pembelian Rumah Secara Tunai Dan Kredit: Studi kasus pada PT Graha Andrasentra Propertindo Tbk Sinta Listari; Annisah Al Apriadi; Sri Mulyati; Soei Khim; Wadudi Wibowo
Jurnal Aplikasi Bisnis Kesatuan Vol. 5 No. 3 (2025): JABKES Edisi Desember 2025
Publisher : Program Vokasi dan LPPM IBI Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jabkes.v5i3.2701

Abstract

PT Graha Andrasentra Propertindo Tbk adalah perusahaan yang bergerak dalam bidang pembangunan, perdagangan dan jasa yang berhubungan dengan real estate, properti dan pengelolaan taman hiburan/rekreasi. Portofolio properti PT Graha Andrasentra Propertindo Tbk adalah Bogor Nirwana Residence (BNR), yang merupakan kompleks perumahan dan perniagaan terpadu yang berlokasi di Kota Bogor. Maksud dan Tujuan dari pengamatan ini adalah untuk mengetahui prosedur pembelian rumah secara tunai dan kredit yang diterapkan di PT Graha Andrasentra Propertindo Tbk, mengetahui kendala-kendala yang terjadi pada saat pembelian rumah, serta mengetahui solusi atau upaya yang dilakukan PT Graha Andrasentra Propertindo dalam menghadapi kendala-kendala tersebut. Hasil dari pengamatan yang dilakukan penulis dapat disampaikan bahwa dalam Proses pembelian tunai perumahan Bogor Nirwana Residence Pada PT Graha Andrasentra Propertindo Tbk ada dua cara, yaitu tunai dan kredit. Pembelian rumah secara tunai yang diterapkan PT Graha Andrasentra Propertindo Tbk juga terdiri dari dua cara, yaitu: tunai keras dengan jangka waktu pelunasan maksimal 3 bulan dan tunai bertahap dengan jangka waktu pelunasan maksimal 3 tahun. Untuk pembelian rumah secara kredit dalam penerapan pembayaran PT Graha Andrasentra Propertindo Tbk melibatkan pihak bank melalui program kredit Pemilikan Rumah (KPR). Pada metode KPR, bank yang membayar pelunasan rumah kepada pengembang. PT Graha Andrasentra Propertindo Tbk telah menjalankan prosedur penjualan rumah kepada konsumen dengan baik, meskipun dalam pelaksanaannya masih terdapat kendala-kendala atau hambatan yang terjadi ketika proses pembelian rumah, namun perusahaan telah membekali diri dengan berbagai solusi atau jalan keluar agar aktivitas pembelian rumah dapat berjalan dengan lancar. Kata Kunci: Pembelian tunai, pembelian kredit, KPR.
The Role of Community Service in Promoting Social Inclusion and Reducing Socio-Economic Inequality Jan Horas Veryady Purba; Soei Khim; Neni Nurisnaini
Tirakat: Jurnal Terobosan Peduli Masyarakat Vol 3 No 1 (2026): January 2026
Publisher : PT. LITERASI SAINS NUSANTARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61100/j.tirakat.v3i1.318

Abstract

Community service is a strategic instrument in promoting social inclusion and reducing socio-economic inequality, particularly amid the complex development challenges faced by contemporary societies. This study aims to expand and enrich scholarly references concerning the role of community service in supporting inclusive social development. The research employs a literature review method with a qualitative approach and descriptive analysis. Data were collected from Google Scholar and selected credible websites, covering publications from 2016 to 2026. From an initial pool of 50 identified articles, a rigorous selection process based on relevance and quality resulted in 32 articles used as the main sources of analysis. The findings indicate that community service programs grounded in empowerment, participation, and sustainability significantly contribute to enhancing social inclusion, strengthening social capital, and reducing socio-economic inequality. Furthermore, synergy among universities, communities, and other stakeholders emerges as a key factor in the success of community service initiatives. This study underscores the importance of strengthening the design, implementation, and evaluation of community service programs to ensure more measurable and long-term impacts.
Determinants of Firm Value: Financial Performance, Capital Structure, and Corporate Governance in Emerging Markets Soei Khim; Zul Azhar; Sri Mulyati; Syaharani Tiara Avrilia
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 6 (2025): JIMKES Edisi November 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i6.4252

Abstract

Firm value represents a central indicator of corporate success, particularly in emerging markets characterized by institutional uncertainty, weak external monitoring, and high information asymmetry. While prior studies have examined the roles of financial performance, capital structure, and corporate governance, empirical findings remain fragmented, largely due to methodological approaches that overlook hierarchical and mediating mechanisms. This study develops and tests a hierarchical and mediating structural model to explain firm value formation by integrating corporate governance, capital structure, and financial performance within a Partial Least Squares–Structural Equation Modeling (PLS-SEM) framework. Using secondary data from publicly listed non-financial firms in emerging markets, the analysis captures both direct effects and indirect transmission pathways among the constructs. The results demonstrate that financial performance functions as the primary transmission mechanism, exerting the strongest direct effect on firm value while simultaneously mediating the influence of corporate governance. Corporate governance shows a substantial impact on financial performance and a complementary direct effect on firm value, indicating that governance enhances market valuation largely through performance improvement. In contrast, capital structure exhibits a weaker and context-dependent effect, suggesting that excessive leverage may undermine firm value in volatile emerging market environments. Overall, the model exhibits strong explanatory power, confirming the relevance of a hierarchical SEM-PLS approach in uncovering firm value formation mechanisms. This study contributes to corporate finance literature by clarifying how governance structures translate into firm value through financial performance, offering both theoretical refinement and practical insights for managers, investors, and policymakers in emerging markets.   Keywords: Firm value; Financial performance; Capital structure; Corporate governance; Emerging markets; PLS-SEM
Penerapan Inovasi Produk Teh pada PT Sila Agri Inovasi Adil Fadillah; Raden Wina Ramadina; Danti Astrini; Soei Khim; Diah Kusumayanti
Jurnal Aplikasi Bisnis Kesatuan Vol. 6 No. 1 (2026): JABKES Edisi April 2026
Publisher : Program Vokasi dan LPPM IBI Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jabkes.v6i1.1915

Abstract

Indonesian consumers may be more familiar with specialty coffee. Similar to the marketing of coffee, the global tea industry also promotes specialty tea as a premium product. Specialty tea refers to tea produced through specific cultivation, harvesting, and processing methods to create distinctive characteristics. Currently, many people in the wider community do not consume herbal products due to limited awareness, particularly regarding their effectiveness, unreliable preparation methods, and the commonly perceived unpleasant aromas and flavors, such as blandness or sourness. In addition, preparation techniques and formulations are often considered less than ideal. This study aims to identify: (1) the implementation of product innovation at PT Sila Agri Inovasi; (2) the obstacles encountered in implementing product innovation at PT Sila Agri Inovasi; and (3) the strategies used to overcome these obstacles. The findings indicate that: (1) PT Sila Agri Inovasi has implemented product innovation by developing a product called Sila Tea. Sila Tea is a blend of pure tea, fruits, flowers, and spices that produces distinctive colors, flavors, and aromas. The addition of citrus fruit also gives the tea a naturally sweet taste; (2) the primary obstacle is the limited public knowledge of artisan tea in Indonesia. Indonesian consumers are generally more familiar with pure teas, such as green tea, black tea, and red tea. Consequently, many consumers remain unaware of the various health benefits offered by artisan tea; and (3) to overcome this obstacle, the company can educate the public about Indonesian tea products and emphasize that Indonesian tea has excellent quality, particularly when blended with fruits and spices. Sila Tea offers innovative products with potential health benefits. Although the combination of tea and spices may be unfamiliar to Indonesian consumers, Sila Tea incorporates citrus fruits and flowers to produce a lighter flavor and natural sweetness.   Keywords: innovation, tea, marketing, product.