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All Journal Aliansi : Jurnal Manajemen dan Bisnis International Journal of Islamic Business and Management Review Jurnal Kewirausahaan, Akuntansi, dan Manajemen TRI BISNIS Asean International Journal of Business Adpebi International Journal of Multidisciplinary Sciences
Widiastuti Murtiningrum
INSTITUTE KEUANGAN PERBANKAN DAN INFORMATIKA ASIA PERBANAS JAKARTA
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ANALISIS KINERJA KEUANGAN PERUSAHAAN PENGAKUISISI SEBELUM DAN SESUDAH MERGER DAN AKUISISI Pada Perusahaan Manufaktur Yang Terdaftar di Bursa Efek Indonesia Widiastuti Murtiningrum
Aliansi : Jurnal Manajemen dan Bisnis Vol 16, No 1 (2021): ALIANSI : Jurnal Manajemen Dan Bisnis
Publisher : Sekolah Tinggi Manajemen IMMI Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46975/aliansi.v16i1.82

Abstract

Merger dan Akuisisi dilakukan oleh perusahaan agar mendapatkan keuntungan apabila hal tersebut memperoleh sinergi yang baik. Kinerja perusahaan diukur dengan menggunakan rasio keuangan: Net Profit Margin, Total Assets Turn Over, Current Ratio, Debt to Equity Rasio dan Earning Per Share. Penelitian ini dilakukan dengan metode kuantitatif, dengan mengambil data dari perusahaan manufaktur yang melakukan merger dan akuisisi pada periode 2015 - 2019 yang terdaftar pada Komisi Pengawas Persaingan Usaha dan Bursa Efek Indonesia, Pengambilan sampel dalam penelitian menggunakan metode purposive sampling, dengan data yang diperoleh sebanyak 3 perusahaan maufaktur yang melakukan merger dan akuisisi. Uji non parametric yang digunakan adalah Uji normalitas Kolmogorov-Smirnov Test dan uji parametrik dengan Paired Sampel t Test untuk menjawab hipotesis. Hasil dari penelitian sebelumnya menunjukkan bahwa tidak selalu menghasilkan keuntungan yang signifikan dan tidak sedikit yang justru mengalami kerugian.
PENGARUH VARIABEL EKONOMI MAKRO TERHADAP PERUBAHAN NILAI TUKAR RUPIAH TERHADAP DOLLAR AMERIKA PERIODE 2017-2019 Widiastuti Murtiningrum
Aliansi : Jurnal Manajemen dan Bisnis Vol 15, No 1 (2020): Aliansi : Jurnal Manajemen dan Bisnis
Publisher : Sekolah Tinggi Manajemen IMMI Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46975/aliansi.v15i1.58

Abstract

Transaksi Perekonomian internasional melibatkan suatu negara dengan negara yang lain dan menjadikan negara-negara di dunia menjadi saling berhubungan satu dengan yang lain. Karena itu, interaksi dengan negara-negara di luar negeri merupakan hal yang tidak bisa dihindari oleh negara manapun, termasuk Indonesia. Untuk memperlancar transaksi perdagangan internasional, penggunaan uang dalam perekonomian terbuka ditetapkan dengan menggunakan mata uang yang telah disepakati, hal ini dapat menyebabkan terjadinya risiko perubahan nilai. Rupiah sebagai salah satu variable penting dalam perekonomian terus mengalami perubahan, terlebih yang dianut Indonesia adalah sistem nilai tukar mengambang bebas, sehingga volatilitasnya menjadi peka dalam merespon setiap gejolak variable makro ekonomi. Penelitian ini bertujuan untuk mengetahui pengaruh kondisi makroekonomi yang meliputi tingkat inflasi, jumlah uang beredar dan tingkat suku bunga SBI, dan pertumbuhan ekonomi terhadap nilai tukar Rupiah terhadap Dollar Amerika. Jenis penelitian yang digunakan adalah penelitian deskriptif dengan pendekatan kuantitatif. Termasuk juga terhadap kondisi ekonomi global. Dari hasil  pengolahan data pada software SPSS  menunjukkan bahwa variabel inflasi tidak memiliki pengaruh signifikan terhadap perubahan nilai tukar. Sedangkan Variable  ekonomi makro  memiliki pengaruh yang yang signifikan  terhadap perubahan nilai tukar Rupiah terhadap Dollar Amerika(kurs) pada periode tahun 2017 –  2019. Secara simultan semua variable bebas memiliki pengaruh yang signifikan terhadap perubahan nilai tukar Rupiah terhadap Dollar Amerika.
ANALISIS RASIO KEUANGAN DALAM MENILAI KINERJA KEUANGAN PADA PT. PERTAMINA LUBRICANTS PERIODE 2018 - 2020 Widiastuti Murtiningrum
Aliansi : Jurnal Manajemen dan Bisnis Vol 17, No 1 (2022): ALIANSI : Jurnal Manajemen dan Bisnis
Publisher : Sekolah Tinggi Manajemen IMMI Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46975/aliansi.v17i1.129

Abstract

PT. Pertamina Lubricants, merupakan anak perusahaan Pertamina Patra Niaga yang bergerak di bidang produksi dan penjualan pelumas. PT. Pertamina Lubricants (PTPL) merupakan produsen oli terbesar di Indonesia, saat ini menguasai sekitar 60% dari pasar oli dalam negeri (domestic), diperkirakan penggunaan oli dalam negeri mencapai 800 ribu kilo liter (kl) per tahun, dimana PTPL menyumbang bagian sebanyak 450 ribu kl. Hal ini disebabkan karena kualitas oli yang bagus dan harganya terjangkau. Dengan menggunakan alat produksi yang modern dan kemudahan dalam memdapatkan bahan baku dari kilang Cilacap dan kilang Dumai yang harganya murah dan lebih efisien. Sesuai dengan komitmennya dalam memberikan produk pelumas dengan kualitas standar dunia, digunakan untuk jangka panjang, harga yang kompetitif serta layanan purna jual yang selalu siap dan lengkap, PTPL selalu berupaya untu selalu meningkatkan pelayanan baik secara kualitas maupun kuantitas untuk para penggunanya. Penelitian ini dilakukan dengan menganalisa laporan keuangan selama 3 tahun dari tahun 2018 sampai 2020 dengan menggunakan rasio likuiditas, rasio solvabilitas, rasio profitabilitas, rasio aktivitas,  perputaran total asset/aktiva dan rasio pertumbuhan, dengan hasil yang didapat bahwa kondisi keuangan PT Pertamina Lubricans masih dalam keadaaan baik dan masih cukup mampu dalam melakukan penjaminan dan pembayaran kewajibannya pada pihak kreditur.
Analysis of The Effect of Financial Ratios on ROA In Islamic Commercial Banks in Indonesia Murtiningrum, Widiastuti
International Journal of Islamic Business and Management Review Vol. 3 No. 2 (2023)
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54099/ijibmr.v3i2.624

Abstract

Currently, Islamic banks are growing rapidly, starting in 1983, where BI gave freedom to banks to set interest rates, in order to create a healthy and strong bank, by implementing a profit-sharing system. The potential for the development of Islamic banks is very open, to become a leading bank at the global level. One of the government's missions is to develop the halal industry, making Islamic banks large and powerful in the country with the largest Muslim population in the world. For this reason, research was conducted by analyzing the ratio of finance to profitability at Islamic Banks from 2010 to 2022. The population in the study was 8 out of 14 Islamic banks, which are registered with OJK and have complete financial statements published with purposive sampling. Data analysis method with panel data regression using SPSS 25 and eviews 10. From the results of the t test, it is hypothesized that CAR and FDR have no influence on ROA, while NPF and BOPO have a negative influence on ROA. The variables CAR, FDR, NPF and BOPO simultaneously have a significant influence on the ROA of Islamic Banks for the period 2010 – 2022. The coefficient of determination is 53.5% and the remaining 46.5% comes from factors other than variables in the study.
The Effect of the BI Rate, Inflation and Exchange Rates on Consumer Goods Stock Prices Murtiningrum, Widiastuti
Adpebi International Journal of Multidisciplinary Sciences Vol. 2 No. 1 (2023)
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54099/aijms.v2i1.468

Abstract

In the midst of the current economic conditions, with an increase in Bank Indonesia's interest rates, consumer sector stocks became the main choice for investors, because they are defensive stocks. Investors tend to accumulate stocks in this sector, after the post-Covid economic recovery has occurred, the public has the potential to increase consumption, this is expected to have an impact on the condition of consumer goods stocks. The capital market has a very important role for all sectors, both private, government and society in general. Investors must pay attention to macroeconomic variables including Bank Indonesia interest rates, inflation and the Rupiah exchange rate. Under these conditions, research was conducted with the aim of analyzing, testing and concluding the influence of the BI Rate, Inflation, and the Rupiah exchange rate on consumer goods stock prices on the Indonesian Stock Exchange for the period 2018 – 2022. Using secondary data on companies listed on the Indonesia Stock Exchange, has complete financial reports, has stock price information from January 2018 to October 2022. Analysis data is processed using multiple linear regression and classical assumption tests with quantitative analysis techniques using SPSS 25. The results show simultaneously the influence of the BI Rate, Inflation, Rupiah exchange rate against consumer goods stock prices.
Analysis of the effect of financial ratios on ROA at Commercial Banks on the IDX Murtiningrum, Widiastuti; Wahyuningsih, Erna
Asean International Journal of Business Vol. 3 No. 1 (2024)
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54099/aijb.v3i1.470

Abstract

Financial system resilience, especially indonesia's current banking condition amid the crisis and global economic pressures, has been maintained and there has been an increase in intermediation, as can be seen from the high capital adequacy ratio (CAR), the ratio of operating expenses to operating income increased during the Covid pandemic, the ratio of non-performing loans (NPL), net interest income (NIM) increased in line with improving macro conditions, with the high capital owned there is an increase in the fulfillment of loan demand (LDR) with a low ratio level, profitability ratio (ROA) that is increasing by utilizing assets and capital (equity) to the maximum extent that is maintained. Judging from the existing conditions, this study was conducted with the aim of analyzing, testing and concluding the influence of CAR, BOPO, NPL, NIM and LDR on ROA in 4 state-owned banks listed on the Indonesia Stock Exchange for the 2017-2022 period using secondary data through financial statement information of Commercial Banks. Quantitative analysis techniques with multiple linear regression as well as classical assumption tests using Eviews 9. The results show that BOPO, NIM and LDR partially have a positive and significant influence, while CAR and NPL have no significant influence on ROA Simultaneously CAR, BOPO, NPL, NIM and LDR affect the increase or decrease in ROA. From independent variables to dependent variables have a predictive ability of 98% and 2% are influenced by other variables outside the study.
Smart Money Moves: How Financial Traits and Confidence Shape Investment Decisions Murtiningrum, Widiastuti
Asean International Journal of Business Vol. 4 No. 2 (2025)
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54099/aijb.v4i2.1376

Abstract

Purpose – This study is to determine the influence of financial literacy, financial behavior, overconfidence, risk tolerance and motivation in making decisions of novice investors, especially in generation Z in investing. Methodology/approach – Research methods with quantitative and associative approaches. Sample of 100 generation Z people with an age range of 12-26 years through a purposive sampling approach. Data was collected through the distribution of online questionnaires using google forms, analyzed using the Structural Equation Model (SEM) and the Partial Least Square (PLS) approach. Findings – It was found that financial literacy and risk tolerance did not have a significant effect, while financial behavior, overconfidence and motivation showed a significant influence in making the decision of generation Z to invest. Financial literacy, financial behavior, overconfidence, risk tolerance, and motivation simultaneously influence the decision to invest in generation Z Novelty/value – Investment decisions in the age group under 30 years or generation Z as novice investors, influenced by financial behavior, over confidence and motivation. With the ability to organize, plan, budget, check, manage, control, search and store their financial funds, as well as high overconfidence they are able to use their money both for consumption purposes and to invest in the capital market. Have sufficient knowledge about investment, which can influence investment decision-making behavior with the risks he will face, as well as motivation to make positive changes in his financial management with the aim of achieving prosperity. Keywords: Investment Decision, Financial Literacy, Financial Behavior, Overconfidence, Risk Tolerance, Motivation
FAKTOR-FAKTOR YANG MEMPENGARUHI PROFITABILITAS PT BANK MEGA SYARIAH PERIODE 2017-2023 Murtiningrum, Widiastuti
Aliansi : Jurnal Manajemen dan Bisnis Vol 19, No 1 (2024): ALIANSI : Jurnal Manajemen dan Bisnis
Publisher : Sekolah Tinggi Manajemen IMMI Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46975/aliansi.v19i1.575

Abstract

Tujuan dari penelitian ini adalah untuk mengetahui pengaruh pembiayaan, kecukupan modal, resiko pembiayaan, efisiensi operasional dan tingkat pembiayaan terhadap profitabilitas Bank Mega Syariah. Desain penelitian menggunakan penelitian asosiatif. Teknik pengambilan sampel dengan purposive sampling. Populasi dan sampel berupa laporan keuangan triwulan Bank Mega Syariah periode 2017-2023, sebanyak 28 sampel. Jenis data yang digunakanberupa data kuantitatif dari situs resmi Bank Mega Syariah (www.megasyariah.co.id). Teknik analisis yang digunakan adalah analisis regresi linier berganda dengan bantuan aplikasi EViews versi 10. Hasil penelitian menyatakan bahwa pembiayaan dan efisiensi operasional berpengaruh signifikan terhadap profitabilitas Bank Mega Syariah, namun kecukupan modal, risiko pembiayaan dan tingkat pembiayaan tidak berpengaruh signifikan terhadap profitabilitas Bank Mega Syariah. Pembiayaan, kecukupan modal, resiko pembiayaan, efisiensi operasional dan tingkat pembiayaan secara simultan berpengaruh sinifikan terhadap profitabilitas sebesar 86%, sisanya 14% dipengaruhi oleh faktor-faktor laiannya yang tidak termasuk dalam model regresi
Analisa Pengaruh Rasio Keuangan Terhadap ROA Pada PT. Bank mandiri, Persero (Tbk) Murtiningrum, Widiastuti
Aliansi : Jurnal Manajemen dan Bisnis Vol 18, No 2 (2023): ALIANSI : Jurnal Manajemen dan Bisnis
Publisher : Sekolah Tinggi Manajemen IMMI Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46975/aliansi.v18i2.512

Abstract

With a consistent business strategy and mature digitalization optimization, Bank Mandiri managed to record good financial performance, as seen from the profit in the 1st quarter of 2023, which was the result of a performance focused on the business ecosystem approach both from financing and funding. The credit increase was due to the improving solid economic fundamentals, Bank Mandiri seeks to contribute to the Indonesian economy. The condition of Indonesian banking after the Covid pandemic began to improve, as seen from the increase in the capital adequacy ratio (CAR), the ratio of non-performing loans (NPL), an increase in net interest income (NIM), a decrease in the ratio of operating expenses to operating income (BOPO), with high capital owned there is an increase in the fulfillment of loan requests (LDR) with a low ratio level. This research was conducted by analyzing, testing and concluding the effect of CAR, NPL, NIM, BOPO and LDR on ROA at Bank Mandiri for the 2017-2023 period using secondary data through information on Bank Mandiri's financial reports. Quantitative analysis technique with multiple linear regression and classical assumption test using SPSS version 25. The results show BOPO, NIM and LDR partially have a positive and significant effect, while CAR and NPL do not have a significant effect on ROA Simultaneously CAR, BOPO, NPL, NIM and LDR affect the increase or decrease in ROA. From the independent variable to the dependent variable it has a predictive ability of 98.3% and 1.7% is influenced by other variables outside the research.
Analisa Pengaruh CAR, NPL dan LDR Terhadap ROA pada Bank BUMN Murtiningrum, Widiastuti; Cahaya, Yohanes
JURNAL KEWIRAUSAHAAN, AKUNTANSI DAN MANAJEMEN TRI BISNIS Vol 6 No 1 (2024): Jurnal Kewirausahaan, Akuntansi dan Manajemen Tri Bisnis
Publisher : STIE Tri Bhakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59806/tribisnis.v6i1.403

Abstract

One of the assessment indicators used in assessing the health condition of a bank is through the use of profitability ratios. One of the things that can affect profitability is the health condition of the bank which is reflected in the financial performance of the management of a bank. In this study, ROA will be used to measure profitability. ROA is able to describe how banking management uses its assets to make a profit. Some of the factors that affect banking performance are financial ratios, including Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL), and Loan to Deposit Ratio (LDR). These three ratios can present There are several research gaps and factors that affect the financial performance of banking companies, making researchers interested in researching the influence of financial ratios such as CAR, NPL, and LDR on ROA. This study was conducted to find out and analyze the influence of CAR, NPL, and LDR on ROA in Persero Commercial Banks for the 2018-2023 Period. The dependent variable in this study is ROA and the independent variables are CAR, NPL, LDR. The data used in this study was obtained from the financial statements of the first quarter of 2018 to the fourth quarter of 2023 of Persero Commercial Bank for the 2018-2023 period which is available on the website of the Financial Services Authority (OJK). The method of this study is quantitative by using multiple linear regression analysis techniques for panel data. The results of this study show that CAR and LDR have a positive and significant effect on ROA. Meanwhile, NPL has a negative and significant effect on ROA. The effect of CAR, NPL, and LDR on ROA simultaneously was 86.28%.
Co-Authors Cahaya, Yohanes Wahyuningsih, Erna