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Siti Maesaroh
UNIVERSITAS INSAN PEMBANGUNAN INDONESIA
Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences

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THE INFLUENCE OF THE QUALITY OF GOOD CORPORATE GOVERNANCE (GCG) IMPLEMENTATION ON FINANCIAL PERFORMANCE IN ISLAMIC COMMERCIAL BANKS IN INDONESIA Siti Maesaroh; Sri Wahyuni Asnaini; Fatrilia Rasyi Radita
Journal Of Communication Education Vol 16, No 2 (2022): JOCE IP
Publisher : Universitas Insan Pembangunan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58217/joce-ip.v16i2.272

Abstract

ABSTRACTCorporate governance arises from the business need for good governance, which upholds the principles of transparency, trustworthiness, responsibility and fairness. Good Corporate Governance is corporate governance which is assessed as one of the public's assessments in deciding to invest in a corporate institution. The indicator to assess the quality of the implementation of Good Corporate Governance is seen from the Self-Assessment of each company which is taken from 11 criteria that apply as a whole.The purpose of this study was to analyze the determinants the effect of the implementation of Good Corporate Governance (GCG) on financial performance as measured by Return on Assets (ROA) and Non-Performing Financing (NPF) at Islamic Commercial Banks in Indonesia. The population is all Islamic Commercial Banks that have implemented GCG in accordance with Bank Indonesia regulations. This research is associative to see the relationship between one variable and another. The data used is secondary data from annual reports and corporate governance reports issued by each Islamic Commercial Bank for the 2016-2020 periods. The sample collected is 8 Islamic commercial banks with a total of N = 40. The results show that the implementation of GCG based on the data collected has an average of 1:55 to 2:20 which is included in the "Good" category. This means that the quality of GCG implementation is in accordance with the BUS 11 indicators set by Bank Indonesia.Keywords: Good Corporate Governance, financial performance, operational efficiencyABSTRAKTata kelola perusahaan muncul dari kebutuhan bisnis akan tata kelola yang baik, yang menjunjung tinggi prinsip-prinsip transparansi, kepercayaan, tanggung jawab dan keadilan. Good Corporate Governance adalah tata kelola perusahaan yang dinilai sebagai salah satu penilaian masyarakat dalam memutuskan untuk berinvestasi pada suatu institusi perusahaan. Indikator untuk menilai kualitas penerapan Good Corporate Governance dilihat dari penilaian masing-masing perusahaan yang diambil dari 11 kriteria yang berlaku secara keseluruhan.Tujuan penelitian ini adalah untuk menganalisis determinan pengaruh penerapan Good Corporate Governance (GCG) terhadap kinerja keuangan yang diukur dengan Return on Assets (ROA) dan Non Performing Financing (NPF) pada Bank Umum Syariah di Indonesia. Populasinya adalah seluruh Bank Umum Syariah yang telah menerapkan GCG sesuai ketentuan Bank Indonesia. Penelitian ini bersifat asosiatif untuk melihat hubungan antara satu variabel dengan variabel lainnya. Data yang digunakan adalah data sekunder berupa laporan tahunan dan laporan tata kelola perusahaan yang diterbitkan oleh masing-masing Bank Umum Syariah periode 2016-2020. Sampel yang dikumpulkan adalah 8 bank umum syariah dengan total N = 40. Hasil penelitian menunjukkan bahwa penerapan GCG berdasarkan data yang dikumpulkan memiliki rata-rata 1:55 hingga 2:20 yang termasuk dalam kategori “Baik”. Artinya, kualitas penerapan GCG sudah sesuai dengan indikator BUS 11 yang ditetapkan Bank Indonesia.Kata kunci: Good Corporate Governance, kinerja keuangan, efisiensi operasional
PENGARUH TINGKAT KESEHATAN BANK DENGAN METODE RISK BASED BANK RATING TERHADAP KINERJA KEUANGAN PADA BANK UMUM SYARIAH DI INDONESIA Sri Wahyuni Asnaini; Fatrilia Rasyi Radita; Siti Maesaroh
Journal Of Communication Education Vol 16, No 2 (2022): JOCE IP
Publisher : Universitas Insan Pembangunan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58217/joce-ip.v16i2.273

Abstract

ABSTRACTThe purpose of this study was to examine how much influence the level of bank soundness based on the Risk Based Bank Rating method on the financial performance of Islamic Commercial Banks in Indonesia. Factors or ratios used in the assessment of Risk Based Bank Rating include Risk Profile (Non Performing Financing/NPF and Financing to Deposit Ratio/FDR), Good Corporate Governance (GCG), Earning (BOPO) and capital (Capital Adequacy Ratio/CAR). The research sample consisted of 8 Islamic commercial banks in Indonesia.The results of the data test state that the f-test shows that all variables have an effect on the financial performance of Islamic Commercial Banks in Indonesia. Meanwhile, through the t-test, the Non-Performing Financing (NPF) variable has an influence on the financial performance of Islamic Commercial Banks in Indonesia, while the Financing to Deposit Ratio (FDR), Good Corporate Governance (GCG), Operating Costs to Operating Income (BOPO), and Capital Adequacy Ratio (CAR) has no effect on the financial performance of Islamic commercial banks in Indonesia.Keywords: Healthy Level, Financial Performance, Islamic Commercial BankABSTRAKPenelitian ini bertujuan untuk menguji berapa besar pengaruh tingkat kesehatan bank berdasarkan metode Risk Based Bank Rating terhadap kinerja keuangan pada Bank Umum Syariah di Indonesia. Faktor atau rasio yang digunakan dalam penilaian Risk Based Bank Rating mencakup Risk Profile (Non Performing Financing/NPF dan Financing to Deposit Ratio/FDR), Good Corporate Governance (GCG), Earning (BOPO) dan permodalan (Capital Adequacy Ratio/CAR). Sampel penelitian terdiri 8 bank umum syariah di Indonesia.Hasil pengujian data menyatakan bahwa melalui uji-f menunjukkan bahwa seluruh variabel berpengaruh terhadap kinerja keuangan Bank Umum Syariah di Indonesia. Sedangkan melalui uji-t variabel Non Performing Financing (NPF) memiliki pengaruh terhadap kinerja keunagan Bank Umum Syariah di Indonesia, sementara Financing to Deposit Ratio (FDR), Good Corporate Governance (GCG), Biaya Operasional terhadap Pendapatan Operasional (BOPO), dan Capital Adequacy Ratio (CAR) tidak memiliki pengaruh terhadap kinerja keuangan bank umum syariah di Indonesia.Kata Kunci: Tingkat Kesehatan, Kinerja Keuangan, Bank Umum Syariah
ANALISIS PENGARUH PANDEMI COVID 19 TERHADAP HARGA SAHAM DAN DAMPAKNYA PADA KINERJA KEUANGAN (Studi Empiris pada Perusahaan Pertambangan di BEI tahun 2019-2020) Anita .; Siti Maesaroh
Journal Of Communication Education Vol 16, No 2 (2022): JOCE IP
Publisher : Universitas Insan Pembangunan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58217/joce-ip.v16i2.274

Abstract

ABSTRACTThe purpose of this study to determine the effectt of Covid-19 on stock prices and financial performance of mining companies listed on the IDX. This study examines the impact of Covid-19 on stock prices before being exposed to Covid-19 for Q3 2019 and after being exposed to Covid-19 for Q1 2020, financial performance in 2019 and 2020. Stock prices are measured using closing stock prices and financial performance is measured using a ratio formula that is Return on Assets (ROA), Operating Profit Margin (OPM), and Net Profit Margin (NPM). This study uses a sample of mining companies that have published their financial statements on the Indonesia Stock Exchange (IDX). This research uses multiple linear regression method using SPSS 22. The results of this study indicate that (a) Pandemic Covid-19 did not have significant impact on stock prices and (b) Pandemic Covid-19 did not have a significant impact on financial performance.Keyword : Covid-19, Stock Prices, Financial Performance.ABSTRAKPenelitian ini bertujuan untuk mengetahui pengaruh Covid-19 terhadap harga saham dan kinerja keuangan pada perusahaan pertambangan yang listing di BEI. Penelitian ini menguji dampak Covid-19 terhadap harga saham sebelum terkena Covid-19 periode Q3 2019 dan setelah terkena Covid-19 period Q1 2020, kinerja keuangan tahun 2019 dan 2020. Harga saham diukur menggunakan harga saham penutupan dan kinerja keuangan diukur dengan menggunakan rumus rasio yaitu Return on Asset (ROA), Operating Profit Margin (OPM), dan Net Profit Margin (NPM). Penelitian ini menggunakan sampel perusahaan pertambangan yang sudah menerbitkan laporan keuanganya di Bursa Efek Indonesia (BEI). Analisis penelitian ini menggunakan metode regresi linier berganda dengan bantuan SPSS 22. Hasil penelitian ini menunjukkan bahwa (a) Pandemi Covid-19 tidak memberi yang signifikan dampak terhadap harga saham dan (b) Pandemi Covid-19 tidak memberi dampak yang signifikan terhadap kinerja keuangan.Kata Kunci: Covid-19, Harga Saham, Kinerja Keuangan.
THIRD-PARTY FUNDS, CAPITAL ADEQUATE RATIO, PROFIT-SHARING FINANCING, AND NON-PERFORMING FINANCING ON PROFITABILITY IN SHARIA COMMERCIAL BANKS IN INDONESIA Siti Maesaroh
Journal Of Communication Education Vol 17, No 1 (2023): JOCE-IP Vol. 17 No. 1 Tahun 2023
Publisher : Universitas Insan Pembangunan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58217/joce-ip.v17i1.296

Abstract

This study aims to examine whether there is an influence from the mechanism of Third-Party Funds, Capital Adequate Ratio (CAR), Profit sharing financing, and Problematic financing on profitability in Islamic commercial banks for the period 2016-2020 with a total sample of 8 Islamic commercial banks in Indonesia. The analysis used in analysis multiple linear regression with the SPSS 18.00 analysis tool. The results of the data test stated that the f-test showed that all variables affected the profitability of Islamic commercial banks in Indonesia. Whereas through the t-test the variables of Third-party Funds (DPK), Capital Adequate Ratio (CAR), and profit-sharing financing have no effect on profitability in Islamic commercial banks in Indonesia while Non-Performing Financing (NPF) has an influence on profitability in Islamic commercial banks in Indonesia. Keywords: Third Party Funds, Capital Adequate Ratio, Profit sharing financing, Non Performing Financing, Profitability
ANALISIS KOMPARATIF PT BANK SYARIAH INDONESIA TBK. SEBELUM DAN SESUDAH MERGER Siti Maesaroh; Sri Wahyuni Asnaini
Journal Of Communication Education Vol 17, No 2 (2023): JOCE-IP Vol. 17 No. 2 Tahun 2023
Publisher : Universitas Insan Pembangunan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58217/joce-ip.v17i2.340

Abstract

The long-term goal achieved in this study is to see the effect of the merger of BUMN Syariah Banks to become Indonesian Syariah Banks (BSI). Where is the merger will certainly affect the expansion of the market area and can increase product variations because so far each Islamic Bank has unique products that have different characteristics, so that later it will further enrich its products, can increase economies of scale or increase the size of the bank, economics of scope and course this can be realized by financing giant projects. The research method used is a descriptive method with a quantitative approach. The population of this study is PT Bank BRI Syariah Tbk, PT Bank BNI Syariah, and PT Bank Syariah Mandiri. The next step is to process the data using the SPSS 17 software using the Wilcoxon signed rank test so that a research report can be compiled as the activity output. The results of the statistical test analysis there is no significant difference in the values of KPPM, ROA, ROE, NPF, FDR, BOPO, and NOM at Bank BRIS, BNIS, and BSM before and after the Merger. The KPPM, ROA, ROE, and NOM values are negative indicating that the KPPM, ROA, ROE, and NOM values after the merger are higher than before the merger. On the other hand, the NPF, FDR, and BOPO values are positive indicating that the NPF, FDR, and BOPO values after the merger are lower than before the merger.Keywords: Comparative, Financial Ratios, Bank Mergers
PENGARUH KUALITAS PELAYANAN DAN HARGA TERHADAP LOYALITAS PELANGGAN ”LNY SKINCARE” Siti Maesaroh
Journal Of Communication Education Vol 17, No 2 (2023): JOCE-IP Vol. 17 No. 2 Tahun 2023
Publisher : Universitas Insan Pembangunan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58217/joce-ip.v17i2.343

Abstract

The emergence of consumer dissatisfaction is indicated by customer complaints after having beauty treatments at "LNY Skincare". The purpose of this study is to determine the effect of service quality and price on Leny Skincare customer loyalty. The method used in this research is a quantitative method. The population in this study are "LNY Skincare Citra Raya" customers who perform maintenance, totalling 120 consumers, then the sample in this study is determined using the Slovin formula with a total of 92 respondents. The data collection technique used is the questionnaire method at the beauty clinic "LNY Skincare Citra Raya". Methods of data analysis using descriptive analysis namely validity test, reliability test, classical assumption test, correlation test, coefficient of determination test, regression test, and hypothesis test using SPSS version 29.0. The results of the correlation test of service quality and price on customer loyalty obtained 0.858, which means a very strong relationship simultaneously. Based on the results of the coefficient of determination of service quality and price on customer loyalty, an R2 value of 0.737 means that the coefficient of determination of service quality and price variables simultaneously influences customer loyalty by 73.7%. Based on the results of the t-test, it can be concluded that service quality and price have a partial effect on customer loyalty. Then from the results of the F test, it can be concluded that there is a significant simultaneous effect between service quality and price variables on customer loyalty.
Edukasi Mengurai Sampah Rumah Tangga menjadi Emas dan Kerajinan Tangan Pada Masyarakat Kabupaten Tangerang Sukriyah; winanti winanti; Sucipto Basuki; Nana Supiana; Riyanto Riyanto; Nuri Wiyono; Jainuri Jainuri; Siti Maesaroh; Francisca Sestri Goestjahjanti; Sri Lestari; Miyv Fayzhall; Ervana Ervana; Dwi Purwaningrum; Edy Gozali; Oktabrianto Oktabrianto; Nelson Silitonga; Erick Fernando
Proletarian : Community Service Development Journal Vol 1 No 2 (2023): November 2023
Publisher : PT. BERBAGI TEKNOLOGI SEMESTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61098/proletariancomdev.v1i2.83

Abstract

Kabupaten Tangerang menjadi salah satu kota/kabupaten terpadat nomor empat di Indonesia dan penyokong sampah rumah tangga rata-rata 2.250 – 2.500 ton setiap harinya. Sampah rumah tangga menjadi persoalan yang sampai hari ini belum terselesaikan. Meskipun tersedia beberapa tempat pembuangan sampah (TPS) di Kabupaten Tangerang, namun belum sepenuhnya menjadi solusi dalam pengelolaan sampah di Kabupaten Tangerang. Kegiatan pengabdian kepada masyarakat (PKM) dilakukan secara daring melalui zoom meeting dengan harapan jangkauan peserta lebih banyak dan pemahaman masyarakat mengenai pengelolaan sampah rumah tangga menjadi lebih maksimal. Mengubah dan mengurai sampah rumah tangga menjadi emas dan barang kerajinan untuk menambah income rumah tangga menjadi topik kegiatan PKM. Tujuan kegiatan PKM adalah memberikan edukasi dan pemahaman mengenai mengurai sampah rumah tangga dengan memilah-milah sesuai dengan jenisnya dan memanfaatkan sampah yang dapat didaur ulang menjadi emas. Menukar sampah rumah tangga dengan tabungan emas dan beberapa sampah dimanfaatkan untuk kerajinan tangan dalam bentuk bingkai, souvenir dan lainnya yang memiliki nilai ekonomi. Kegiatan ini diharapkan dapat membantu masyarakat Kabupaten Tangerang untuk memanfaatkan sampah rumah tangga bernilai ekonomi.
Co-Authors Anita . Dwi Purwaningrum Edy Gozali Erick Fernando Ervana Ervana Fatrilia Rasyi Radita Francisca Sestri Goestjahjanti Jainuri Jainuri Miyv Fayzhall Nana Supiana Nelson Silitonga Nuri Wiyono Oktabrianto Oktabrianto Riyanto Riyanto Sri Lestari Sri Wahyuni Asnaini Sucipto Basuki Sukriyah Winanti Winanti