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Pengaruh Non Performing Loan (NPL), Beban Operasional Pendapatan Operasional (BOPO), Capital Adequancy Ratio (CAR) dan Struktur Kepemilikan terhadap Kinerja Keuangan Bank Tahun 2018-2022 Sholika, Shinta Anatus; Zaki, Achmad
Jurnal Ilmu Manajemen Vol. 12 No. 4 (2024)
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jim.v12n4.p1023-1038

Abstract

The aim of this study is to analyze the effect of NPL, BOPO, CAR, and ROE in BUMN and BUS registered with the OJK during the period of 2018-2022. This study uses a quantitative approach with secondary data obtained from financial statements of banks registered with the OJK. The sample consists of several BUMN and BUSN banks that meet specific criteria, such as having complete financial statements for five consecutive years and being involved in international transactions. Data analysis methods include classical assumption tests and multiple regression analysis using SPSS software version 24. The results show that NPL, BOPO, CAR, and Ownership Structure have a significant effect on ROE. A high NPL negatively impacts ROE by reducing interest income, a high BOPO indicates inefficiency in managing operational costs, a high CAR lowers ROE through reduced credit distribution, and Ownership Structure affects ROE with state-owned banks being more focused on social missions, while private banks prioritize profit maximization. This study suggests that banks should keep NPL low, optimize operational cost management, pay attention to CAR management, and improve corporate governance to support profitability and operational efficiency.
Study on the Prevalence of Low Back Pain based on Age and Gender in Indonesian Hajj Pilgrims: Period 1438 – 1443 H Zaki, Achmad; Rufaidah, Melia Fatrani; Mahendra, Maulana Ihza; Mardjikoen, Bisatyo; Maikel, Mahesa Paranadipa
The Avicenna Medical Journal Vol 5, No 1 (2024): The Avicenna Medical Journal
Publisher : Faculty of Medicine, UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/avicenna.v5i1.34304

Abstract

Background: Musculoskeletal pain is a common complaint in men and women with a wide age range and in all sociocultural groups. Low back pain significantly contributes to the overall burden of musculoskeletal conditions. In 2020, low back pain (LBP) affected 619 million people globally and it is estimated that the number of cases will increase to 843 million cases by 2050, driven largely by population expansion and ageing.1 Hajj is a series of worship with high demands on physical strength, and musculoskeletal pain experienced by the pilgrims will significantly affect the worship and the pilgrims' classification of health, known as health istithaah. Objective: This study aims to determine the prevalence of low back pain incidence based on the age and gender of Indonesian pilgrims in periods 1438-1443 H. Methods: This descriptive study with a cross-sectional design used secondary data from Health Information System for Indonesian Hajj Pilgrims (SISKOHATKES) with a period of Hajj from 1438 H until 1443 H. Results: This study showed that the prevalence of Indonesian pilgrims in 1438-1443 H diagnosed with low back pain in Saudi Arabia based on age group was highest at 46 years and over each year. However, the prevalence of female sex was not consistently higher than male in 1438-1443 H. The percentage of the male sex (0.020%) was higher than the female sex (0.016%) in 1438 H, and the female sex was consistently higher than the male sex in 1439 – 1440 H, while in 1443 H, the male and female sexes had the same proportion. Conclusion: Indonesian pilgrims aged 46 years and over with a diagnosis of low back pain have a higher prevalence in each year of examination, and female and male pilgrims do not consistently have a higher prevalence value in the period 1439 - 1443 H
The influence of kaizen behavior, OCB, and organizational commitment on employee job satisfaction at Sidoarjo Station Achmad, Ak’yas Daksani; Zaki, Achmad
Jurnal Mantik Vol. 8 No. 4 (2025): February: Manajemen, Teknologi Informatika dan Komunikasi (Mantik)
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/mantik.v8i4.5833

Abstract

Kaizen culture, OCB and organizational commitment have been identified as three synergies that have an important influence in influencing employee job satisfaction, the importance of effective human resource management in order to achieve planned quality success. Kaizen is long-term and sustainable towards change, while OCB encourages voluntary behavior and organizational commitment to the extent to which the company has an emotional attachment to employees. The aim of this research is to describe numerically the extent of the overall influence of the variables that have been used as context in this research. A quantitative model with a descriptive approach was chosen to make it easier to explain statistical analysis by researchers using the total sample of employees working at Sidoarjo Station 1 as well as an assessment instrument using Linkert guidelines. The results of this research show that kaizen culture has a significant influence on employee satisfaction, as well as OCB and organizational commitment also have a significant influence on employee satisfaction which has been supported through testing the t-partial and f-simultaneous hypotheses.
THE EFFECT OF INFLATION, INTEREST RATE, AND EXCHANGE RATE ON STOCK RETURNS IN FOOD & BEVERAGES COMPANIES Suharyanto, Suharyanto; Zaki, Achmad
Jurnal Aplikasi Manajemen Vol. 19 No. 3 (2021)
Publisher : Universitas Brawijaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.jam.2021.019.03.14

Abstract

The purpose of this study was to determine the effect of technical information on stock returns partially. Risk and return are interrelated. The greater the return, the greater the risk obtained. However, if these risks are managed, the risks that will occur can be controlled properly. Several things need to be considered in making investment decisions, namely, by analyzing fundamental information and technical information, including inflation, exchange rates, interest rates, and their effect on stock returns. The method used in this study uses quantitative methods. This study indicates that inflation has a significant negative effect on stock returns, interest rates have no effect on stock returns, and the exchange rate has a significant negative effect on stock returns. Further researchers are expected to pay attention to the influence of other factors that can affect price movements and company stock returns.
THE EFFECT OF NON-PERFORMING LOANS AND LOAN DEPOSIT RATIOS ON STOCK RETURNS IS MEDIATED BY A PROFITABILITY STUDY ON COMMERCIAL BANKS LISTED ON THE INDONESIA STOCK EXCHANGE FOR THE PERIOD 2016 - 2018 Iskandar, Yusuf; Suharyanto, Suharyanto; Zaki, Achmad; Widhayani, Puri Setioningtyas
Jurnal Aplikasi Manajemen Vol. 21 No. 2 (2023)
Publisher : Universitas Brawijaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.jam.2023.021.02.01

Abstract

Stock return is an indicator of banking performance in Indonesia. This study aims to empirically test non-performing loans and loan deposit ratios on stock returns mediated by return on assets at commercial banks listed on the Indonesian stock exchange in 2016-2018. The sample used in this study was 20 bank companies that met predetermined criteria. The data that has been collected is then analyzed using Path analysis to test the proposed hypothesis. The findings of this study indicate that non-performing loans and loan deposit ratios each have a significant effect on stock returns and are mediated by return on assets. Based on these findings, it is recommended that banking companies, in managing financial ratios, must run more optimally to maximize stock returns obtained by banks. Non-performing loan, loan deposit ratio is a bank's financial ratio to assess its performance. These financial ratios have a purpose to determine the bank's ability to optimize the level of lending to the public, generate profits from the activities carried out and reject the risks from its operational activities. For banking companies, the findings of this study can be used in policy-making related to the delivery of information on bank performance reports to investors.
The Effect of Financial Performance on Return on Assets in Banks Before and During the Covid-19 Pandemic in Indonesia Suharyanto, Suharyanto; Iskandar, Yusuf; Zaki, Achmad; Widhayani, Puri Setioningtyas
Jurnal Aplikasi Manajemen Vol. 22 No. 1 (2024)
Publisher : Universitas Brawijaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.jam.2024.022.01.06

Abstract

The COVID-19 case began in Indonesia in 2020. This condition continues to spread throughout Indonesia and causes all companies not to run optimally. It can affect the company's performance, making it less than optimal. One of them is a service company such as a bank company that must carry out its operational activities in a limited manner, causing credit to the community to run less optimally. The decline in bank performance has an impact on the decline in profits earned by bank companies. The purpose of this study is to examine the financial performance of banks from 2018 to 2019, which was before the covid 19 pandemic. This study also examines the financial performance of banks during the covid 19 pandemic from 2020 to 2021 and provides several alternatives to create better banking performance in Indonesia. This study uses secondary data from audited bank annual reports from 2018 to 2021, accessed on the website www.idx.co.id. The analysis used in this study is multiple regression analysis to assess bank performance using several financial ratios, namely capital adequacy ratio, net interest margin, and loan deposit ratio to return on assets. The findings of this study show that the capital adequacy ratio, net interest margin, and loan deposit ratio have a significant positive effect on return on assets at commercial banks in Indonesia with the phenomenon before and during the COVID-19 pandemic. It proves that the capital adequacy ratio, net interest margin, and loan deposit ratio have a positive influence on company performance. Increasing financial ratios in banks can create banking conditions that are more effective and can attract investors to invest in bank companies.
REVISIT INTENTION TO YOGYAKARTA BY DOMESTIC TOURISTS DURING A PANDEMIC Kamila, Edita Rachma; Wicaksono, Achmad; Zaki, Achmad
International Journal of Global Accounting, Management, Education, and Entrepreneurship Vol. 3 No. 2 (2023): International Journal of Global Accounting, Management, Education, and Entrepre
Publisher : Sekolah tinggi ilmu ekonomi pemuda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.48024/ijgame2.v3i2.76

Abstract

A destination image is an image that tourists have about a destination before visiting. It can have an effect on memorable tourism experience that is a positive experience for tourists who remembered dan recalled even though they have not traveled dan also have an influence on tourist satisfaction. Apart from being influenced by the image destination variable, the satisfaction variable is also affected by memorable tourism experiences. This research focuses on domestic tourists, because in 2020 there was a corona virus pandemic. This has limited access from within Indonesia to going abroad, dan vice versa. The decline in tourists also occurred in domestic tourists, which was more than 90% in April 2020. The purpose of this study was to analyze tourism in Yogyakarta during the pandemic in 2020 . This research was conducted in Yogyakarta during the pandemic in March-October. Respondents of this study were domestic tourists visiting Yogyakarta in March-October 2020th, dan especially visiting JL. Malioboro dan Beringharjo Market. This study uses a quantitative approach using a questionnaire dan the PLS method using SmartPLS3. Respondents of this study were 80 people. The results of this study indicate that there is a significant effect between destination image dan memorable tourism experience, memorable tourism experience on satisfaction, destination image on revisit intention, tourism experience on word of mouth, dan satisfaction with revisit intention dan word of mouth. However, there is a hypothesis that does not have a significant effect, namely destination image on satisfaction.
Optimalisasi Daya Saing UMKM Melalui Strategi Personal Branding di Era Digital Khurnia, Siti Lailatul; Zaki, Achmad; Mahfudhoh, Dalilah Hotimatul; Ilmiyah, Dwi Erni Mazro'atul; Ardiansyah, Deny; Hakkam, Nur Ahmad
Nusantara Community Empowerment Review Vol. 3 No. 1 (2025): Nusantara Community Empowerment Review
Publisher : LPPM UNUSIDA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55732/ncer.v3i1.1396

Abstract

Program pengabdian masyarakat ini berfokus pada peningkatan daya saing UMKM di RT 40 Magersari, yang menghadapi masalah minimnya branding akibat kurangnya logo usaha, yang menghambat pemasaran produk. Tujuan dari kegiatan ini adalah untuk memperkuat identitas merek UMKM melalui desain logo dan pembuatan plakat, guna meningkatkan kehadiran pasar mereka. Metode yang digunakan meliputi observasi lapangan, pendataan UMKM, perancangan logo, dan pembuatan plakat berbahan banner. Hasil menunjukkan bahwa logo dan plakat berhasil meningkatkan visibilitas, penjualan, dan kepercayaan konsumen terhadap produk UMKM setempat. Kebaruan dari program ini adalah pendekatan berbasis personal branding untuk UMKM rumahan di komunitas lokal. Implikasi penelitian ini menyoroti pentingnya strategi branding sebagai alat utama untuk mendukung daya saing dan pertumbuhan ekonomi berbasis komunitas. This community service program focuses on improving the competitiveness of MSMEs in RT 40 Magersari, which faces the problem of minimal branding due to the lack of business logos, which hinders product marketing. This activity aims to strengthen the brand identity of MSMEs through logo design and plaque-making to increase their market presence. The methods include field observation, MSME data collection, logo design, and banner plaque making. The results show that the logo and plaque have succeeded in increasing visibility, sales, and consumer trust in local MSME products. The novelty of this program is the personal branding-based approach for home-based MSMEs in local communities. The implications of this study highlight the importance of branding strategies as a primary tool to support competitiveness and community-based economic growth.
Implementasi Metode Case Based Learning dalam Pembelajaran Maharah Kalam Zaki, Achmad; Jumhur; Qaaf, Muhammad Alfath
PESHUM : Jurnal Pendidikan, Sosial dan Humaniora Vol. 4 No. 3: April 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/peshum.v4i3.8886

Abstract

Penelitian ini dilatarbelakangi oleh Masih banyak guru yang belum menerapkan model pembelajaran yang efektif dan sesuai dengan kebutuhan siswa. Penelitian ini bertujuan untuk mengetahui efektifitas penggunaan metode Case Based Learning di SMA IT Darul Ikhlas Pagaralam. Penelitian ini menggunakan metode Mixed Method dengan data kualitatif dan kuantitatif. Metode penelitian Mixed Method adalah metode penelitian yang pengaplikasiannya menyangkut kombinasi antara metode kuantitatif dan kualitatif dalam satu penelitian. Hasil uji T menunjukkan bahwa data yang diperoleh signifikan (0,000 < 0,05), sehingga hipotesis nol (Ho) ditolak dan hipotesis alternatif (Ha) diterima. Selain itu, penerapan metode ini juga meningkatkan semangat siswa dalam belajar bahasa Arab, yang terlihat dari peningkatan proses pembelajaran setelah metode ini diterapkan.. Dengan demikian, dapat disimpulkan bahwa Penelitian ini menunjukkan bahwa penerapan metode Case Based Learning (CBL) dalam pembelajaran kalam di SMA IT Darul Ikhlas dapat meningkatkan semangat dan efektivitas belajar siswa.
Financial ratios' impact on stock prices in indonesian retail companies amid the covid-19 events in 2020–2022 Yuliestia Dana, Intania Regina; Iskandar, Yusuf; Zaki, Achmad
Jurnal Mantik Vol. 9 No. 1 (2025): May: Manajemen, Teknologi Informatika dan Komunikasi (Mantik)
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/mantik.v8i5.6290

Abstract

The purpose of this study is to assess the financial ratios of the stock prices of retail companies listed on the Indonesia Stock Exchange between 2020 and 2022 when the COVID-19 pandemic causes economic volatility. The financial ratios in this study include debt-to-equity ratio (DER), return on equity (ROE), and return on assets (ROA). The research methodology used is a quantitative approach using multiple regression analysis. Evaluate the relationship between debt-to-equity ratio (DER), return on equity (ROE), and return on assets (ROA) in stock prices. The second-party data came from the company's audited financial records and was analyzed using SPSS 27. The research findings show that return on assets (ROA) has a positive and significant impact on stock prices. This finding also indicates that companies have been efficient with their assets, which generates profits, which is an important factor in determining stock prices. Return on Equity (ROE) has a positive and significant impact on share price. This is evident from the fact that companies have used efficient asset disposal procedures during the COVID-19 pandemic, resulting in high profits that can contribute to an increase in stock prices. Debt to Equity Ratio (DER) has a significant negative effect on stock prices. It can be seen that companies can optimally manage their finances and silently create favorable financial conditions for the company. This can have an impact on increasing the company's share price. Simultaneously, Return on Equity (ROE), Return on Asset (ROA), and Debt to Equity Ratio (DER) have a significant influence on stock prices. This research can be applied to Return on Equity (ROE), Return on Asset (ROA), and Debt to Equity Ratio (DER) together affect the stock price of retail companies in Indonesia. This information can be useful for investors and financial management for the development of decisions in investment, and it is very important that financial analysis can be used as a guide when developing decisions in investment