Musdholifah Musdholifah
Department of Management, Faculty of Economic, State University of Surabaya, Surabaya, Indonesia

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Journal : Jurnal Ilmu Manajemen (JIM)

Pengaruh Risk Based Bank Rating terhadap Financial Distress dengan Bankometer Model Pada Busn Non Devisa Pristianti, Rista; Musdholifah, Musdholifah
Jurnal Ilmu Manajemen Vol 8, No 3 (2020)
Publisher : UNESA In Collaboration With APSMBI (Aliansi Program Studi dan Bisnis Indonesia)

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (259.792 KB) | DOI: 10.26740/jim.v8n3.p717-733

Abstract

Banks need to conduct evaluation activities to find out the current situation of the bank so that the health of the bank is not disturbed. Banking health is very important to be maintained because banks play an important role in society, especially as increasing the country's economic growth. This study aims to examine the effect of risk based bank rating on financial distress. The risk-based bank rating ratio consists of risk profiles that are proxied by NPL and LDR, good corporate governance which is proxied by the size of the board of directors and independent commissioners, earnings proxied by ROA, ROE, BOPO, and NIM, and capital proxied by CAR. The yardstick used in this research is the bankometer model. The research year is 6 years from 2013-2018. The population used in this study were all non-foreign exchange bank, amounting to 30. The sample was determined using purposive sampling so that 20 non-foreign exchange bank were found with data analysis techniques using logistic regression. Research data search using SPSS 25. The results of the study found the influence of LDR, the size of the board of directors, NIM, and CAR. LDR ratio has a significant negatif effect, board size has a significant positive effect, NIM has a significant negatif effect, and CAR has a significant negatif effect on financial distress. This because that fourth variable had important thing on liquidity, independent oversight, interest income, and capital adequacy. Whereas NPL, independent commissioners, ROA, ROE, and BOPO do not affect financial distress. This because the value of each variable already appropriate with Bank Indonesia determination and it summed up that Non-Foreign Exchange Bank already apply it well. This shows that risk based bank rating can be a parameter of bank health.
Pengaruh Likuiditas, Profitabilitas, dan Leverage terhadap Nilai Perusahaan yang Dimoderasi oleh Kebijakan Dividen Prasetya, Ade Wisnu; Musdholifah, Musdholifah
Jurnal Ilmu Manajemen Vol 8, No 4 (2020)
Publisher : UNESA In Collaboration With APSMBI (Aliansi Program Studi dan Bisnis Indonesia)

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (19.961 KB) | DOI: 10.26740/jim.v8n4.p1406-1416

Abstract

Company value is a long-term goal of the company which is used as a benchmark of company success. The purpose of this research is to analyze the influence of liquidity, profitability, and leverage towards company value with dividend policy as a moderating variable. The object of this research is companies in the Miscellaneous industry sector in 2014-2018. This type of research is a quantitative research and used secondary data which consists of an annual report on IDX. The sampling determined by using a purposive sampling method and produced 13 samples of companies. The analysis used a multiple linear regression and moderated regression analysis (MRA) method. The result of this study indicated that only profitability has a positive significant relation to company value. Liquidity is not significant because when a company can repay its debt with assets owned it does not reflect that the company is in good condition because it can occur when cash in the company is not used as well as possible. Then for leverage does not affect because companies use their capital rather than using debt. The dividend policy can moderate the relationship between liquidity and profitability to the value of the company. Dividend policy cannot moderate the relationship of leverage to the value of the company due to a prohibition on dividend payments with a reduction in company capital.