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All Journal Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan JIKA: Jurnal Ilmu Keuangan dan Perbankan Jurnal E-Bis: Ekonomi Bisnis Coopetition : Jurnal Ilmiah Manajemen JRAK (Jurnal Riset Akuntansi dan Bisnis) (e-Journal) Business Preneur : Jurnal Ilmu Administrasi Bisnis Eco-Iqtishodi : Jurnal Ilmiah Ekonomi dan Keuangan Syariah JURNAL EKONOMI BISNIS DAN MANAJEMEN (EKO-BISMA) Padma: Jurnal Pengabdian Kepada Masyarakat JURNAL ILMIAH INFOKOM Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Jurnal Ekbis (Ekonomi & Bisnis) Jurnal Ekonomi Manajemen Bisnis dan Akuntansi Jurnal Pengabdian Kepada Masyarakat Jurnal Teknologi Komputer dan Informatika Jurnal Sosio dan Humaniora Journal of Business Management and Economic Development JURNAL PENDIDIKAN, HUMANIORA, LINGUISTIK DAN SOSIAL (JAGADDHITA) BHAKTI JIVANA Jurnal Perhotelan dan Pariwisata
Hani Hatimatunnisani
Politeknik Pajajaran ICB Bandung
Religion Humanities Biochemistry, Genetics & Molecular Biology Chemistry Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Nursing Public Health Social Sciences Other

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Effect of Return on Assets and Capital Adequacy Ratio on Changes in Stock Prices Gunardi, Gunardi; Hatimatunnisani, Hani; Azizah, Nur; Kesumah, Priatna; Fauzany, Riffka
Journal of Business Management and Economic Development Том 4 № 01 (2026): Journal of Business Management and Economic Development
Publisher : PT. Riset Press International

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59653/jbmed.v4i01.2335

Abstract

This study aims to analyze the effect of Return on Assets (ROA) and Capital Adequacy Ratio (CAR) on stock price changes at Bank Mandiri for the period 2010–2023. The method used is a quantitative approach with a causal associative design. The data used are secondary data in the form of annual financial reports and stock price data obtained from the Indonesia Stock Exchange. The analysis technique used is multiple linear regression, supported by the classical assumption test, t-test, F-test, and coefficient of determination (R²). The results show that partially, ROA has no significant effect on stock price changes, nor does CAR show a significant effect. Simultaneously, ROA and CAR also have no significant effect on stock price changes. The low coefficient of determination indicates that most stock price variations are influenced by factors outside the research model, such as macroeconomic conditions, government policies, and market sentiment. This study's contribution implies that fundamental indicators such as ROA and CAR are not always the primary determinants of stock price movements, particularly in the banking sector. This study also emphasizes the importance of considering external factors and investor psychology in investment analysis. The practical implication is that investors are advised not to rely solely on financial ratios, but also to pay attention to broader market dynamics when making investment decisions.
PENERAPAN METODE CAMEL DALAM MENILAI TINGKAT KESEHATAN PT BANK RAKYAT INDONESIA (PERSERO) TBK PERIODE 2023-2025 Alfaz Syihab Gunawan; Dilla Novi Amelia; Zauzia Siti Zahra; Dede Rohmat; Hani hatimatunnisani
Jurnal Ekonomi Manajemen Bisnis Dan Akuntansi : EMBA Vol 4 No 2 (2026): JURNAL EKONOMI MANAJEMEN BISNIS dan AKUNTANSI : EMBA
Publisher : Pusat Penelitian dan Pengabdian pada Masyarakat (P3M) Politeknik Pajajaran ICB Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59820/emba.v4i2.479

Abstract

This study aims to analyze the financial soundness level of PT Bank Rakyat Indonesia (Persero) Tbk during the 2023–2025 period using the CAMEL method. The CAMEL method evaluates bank soundness based on five main aspects: Capital, Asset Quality, Management, Earnings, and Liquidity. This research employs a descriptive quantitative approach using secondary data obtained from the officially published annual financial statements of Bank BRI. The ratios analyzed include the Capital Adequacy Ratio (CAR), Productive Asset Quality Ratio (KAP), Net Profit Margin (NPM), Return on Assets (ROA), Operating Expenses to Operating Income (BOPO), and Loan to Deposit Ratio (LDR). The results indicate that, in general, the financial soundness of Bank BRI during the 2023–2025 period is classified as sound, with capital adequacy in a very sound condition. However, aspects related to management performance and operational efficiency still require attention, as reflected by declining profitability ratios and increasing operating expenses. This study is expected to provide useful references for related stakeholders and future research in the banking sector.
ANALISIS TINGKAT KESEHATAN BANK MENGGUNAKAN METODE RGEC PADA PT BANK CENTRAL ASIA TBK PERIODE 2020-2024 Vina Maudina; Chitra Septiani; Dani Galuh Permana; Hani Hatimatunnisani
Jurnal Ekonomi Manajemen Bisnis Dan Akuntansi : EMBA Vol 4 No 2 (2026): JURNAL EKONOMI MANAJEMEN BISNIS dan AKUNTANSI : EMBA
Publisher : Pusat Penelitian dan Pengabdian pada Masyarakat (P3M) Politeknik Pajajaran ICB Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59820/emba.v4i2.480

Abstract

This study analyzes the financial soundness of PT Bank Central Asia Tbk (BCA) using the Risk-Based Bank Rating (RBBR) approach through the RGEC method, which includes Risk Profile, Good Corporate Governance (GCG), Earnings, and Capital during the period 2020–2024. The study applies a descriptive quantitative method using secondary data from annual financial statements and corporate governance reports. The results indicate that BCA’s financial soundness during the 2020–2024 period is classified as “Very Healthy.” Based on the RGEC method, the average Non-Performing Loan (NPL) is 0.7%, the Good Corporate Governance (GCG) aspect obtains Rating 1, Return on Assets (ROA) is 3.2%, and the Capital Adequacy Ratio (CAR) is 25,4%, all of which obtain Rating 1. This condition indicates that BCA has strong financial resilience and effective banking management.
ANALISIS PENDAPATAN DRIVER ONLINE AKIBAT TERJADINYA PANDEMI COVID-19 PADA MITRA GOJEK INDONESIA DI KOTA BANDUNG Hani Hatimatunnisani; Ayu Reza Oktora; Rossana Amelia
JURNAL EKONOMI BISNIS DAN MANAJEMEN (EKO-BISMA) Vol 1 No 1 (2022): JURNAL EKONOMI BISNIS DAN MANAJEMEN (EKO-BISMA)
Publisher : PUBLISHER ABISATYA DINAMIKA ISWARA PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (847.715 KB) | DOI: 10.58268/eb.v1i1.2

Abstract

This study aims to analyze the income of online drivers before and during the Covid-19 pandemic on Gojek Indonesia Partners in Bandung. The research method used is a quantitative method, and the data collection technique uses questionnaire via google form to 50 respondents as the research sample. While the data analysis technique used a paired 2-sample test. Based on the results of the study, the Wilcoxon Test value was -6,146 with a significance of 0,000 which showed that there were differences in the income of online drivers before and during the pandemic. The occurrence of a pandemic resulted in a decrease in average income of Rp. 148,880 or 76.04% of the average income before the pandemic. The decline in income was caused by several things, including limited areas that online motorbikes cannot be entered freely, there is an appeals for PSBB and social distancing from government and several features that are temporarily disabled in the Gojek application. Keywords : Income, Covid-19
PENGARUH GAYA HIDUP HEDONISME TERHADAP PENGELOLAAN KEUANGAN MAHASISWA PERGURUAN TINGGI DI BANDUNG Hani Hatimatunnisani; Aurora Pradipta; Wulan Zahra; Marizca Amalia; Linda Putri
JURNAL EKONOMI BISNIS DAN MANAJEMEN (EKO-BISMA) Vol 3 No 1 (2024): JURNAL EKONOMI BISNIS DAN MANAJEMEN (EKO-BISMA)
Publisher : PUBLISHER ABISATYA DINAMIKA ISWARA PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58268/eb.v3i1.87

Abstract

Hedonism is where a person must seek as much happiness as possible and avoid painful feelings. Pleasure and personal satisfaction without long-term considerations often characterize a hedonistic lifestyle. This research aims to determine the influence of a hedonistic lifestyle on financial management among students at universities in Bandung. Quantitative methods are used to analyze this. The result of a questionnaire on 100 respondents showed that there was a significant influence between a hedonistic lifestyle on financial management, but the influence was only 6.8%. The result of the interviews illustrate that students are starting to understand that an excessive lifestyle can have a negative impact if it is not balanced with wise financial management knowledge. Even though some students are indicated to have a hedonistic lifestyle, they can still control and manage their personal finances well.
PENGARUH MEDIA SOSIAL DAN FOMO FINANSIAL TERHADAP MANAJEMEN KEUANGAN PRIBADI MAHASISWA Hani Hatimatunnisani; Shofi Sandi Aryanti; Kurnia Pancawati; Krisna Eri Sutrisno; Wawan Hermawan
JURNAL EKONOMI BISNIS DAN MANAJEMEN (EKO-BISMA) Vol 3 No 2 (2024): JURNAL EKONOMI BISNIS DAN MANAJEMEN (EKO-BISMA)
Publisher : PUBLISHER ABISATYA DINAMIKA ISWARA PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58268/eb.v3i2.122

Abstract

This study investigates the influence of social media usage and financial fear of missing out (FOMO) on the personal financial management of 52 students from Politeknik Pajajaran. A quantitative method with multiple linear regression was used to analyze questionnaire data. The results show that social media usage is positively and significantly correlated with financial management, while financial FOMO is negatively and significantly correlated. The regression model explains 32.3% of the variance in financial management that can be explained by social media and financial FOMO. These findings indicate the importance of financial literacy and strategies to mitigate FOMO in improving students' financial management. The implications of this research highlight the need for the integration of financial education into the curriculum and the development of financial counseling programs for students.
PENGARUH LAYANAN M-BANKING TERHADAP KEPUASAN NASABAH Angel Simatupang; Hani Hatimatunnisani; Hasdilla Syafitri; Rifki Paturohman; Kunto Ajibroto
JURNAL EKONOMI BISNIS DAN MANAJEMEN (EKO-BISMA) Vol 3 No 2 (2024): JURNAL EKONOMI BISNIS DAN MANAJEMEN (EKO-BISMA)
Publisher : PUBLISHER ABISATYA DINAMIKA ISWARA PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58268/eb.v3i2.123

Abstract

The aim of this research is to analyze the influence of M-Banking services on customer satisfaction. The type of research used is quantitative with descriptive methods. A sample of 56 respondents was taken randomly using a questionnaire. The results show that M-Banking services have a positive and significant effect on customer satisfaction. The existence of M-Banking services helps customers speed up transactions, so that the process can be carried out more flexibly and efficiently. However, service provider banks need to pay better attention to user security and handling online complaints in order to increase customer satisfaction.
PERSEPSI PENGGUNA HONDA VARIO TERHADAP KEHANDALAN SEPEDA MOTOR HONDA VARIO PADA PAGUYUBAN HONDA VARIO JAWA BARAT Hendriady de Keizer; Gunardi Gunardi; Hani Hatimatunnisani
JURNAL EKONOMI BISNIS DAN MANAJEMEN (EKO-BISMA) Vol 4 No 2 (2025): JURNAL EKONOMI BISNIS DAN MANAJEMEN (EKO-BISMA)
Publisher : PUBLISHER ABISATYA DINAMIKA ISWARA PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58268/eb.v4i2.190

Abstract

This study aims to examine the perception of Honda Vario users regarding the reliability of their motorcycles within the Paguyuban Honda Vario Jawa Barat community. Reliability is a key factor influencing consumer satisfaction, loyalty, and repurchase decisions. Using a qualitative descriptive approach, data were collected through open-ended questionnaires and semi-structured interviews with 72 community members. The findings reveal that most users have a highly positive perception of Honda Vario's reliability, especially in terms of engine performance, fuel efficiency, riding comfort, ease of maintenance, and spare part availability. These perceptions enhance users' confidence and their willingness to recommend the motorcycle to others. This study emphasizes the importance of consumer feedback in product development and after-sales strategies in the automotive industry. Keywords:User Perception;Product Reliability;Honda Vario;Motorcycle Community; Consumer Loyalty
Kesiapan gen Z dalam mengelola keuangan di era Digital Chitra Septiani; Hani Handayani; Vella Azahra Putri; Zauzia Siti Zahra; Hani Hatimatunnisani
Jurnal Sosio dan Humaniora (SOMA) Vol 4 No 2 (2026): JURNAL SOSIO DAN HUMANIORA : SOMA
Publisher : LPPM Politeknik Pajajaran ICB

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59820/soma.v4i2.371

Abstract

Generation Z is an age group that grew up amidst the rapid development of digital technology. Easy access to information and various financial applications makes them very familiar with digital transactions such as e-wallets, mobile banking, and online investment. However, behind the adaptation of this technology, questions arise about the extent to which Gen Z is prepared to manage finances wisely and sustainably. This study aims to analyze the characteristics, behavior, and level of financial literacy of Gen Z in facing the challenges of the digital economy. The results of the analysis show that although Gen Z is active in using financial technology, they still have limitations in financial planning, risk management, and understanding of basic financial concepts. Therefore, increasing financial literacy through education and a digital media-based approach is an important strategy in forming a financially intelligent generation in the future. Keywords : Gen Z; Financial Management; Digital Era.
ANALISIS PENGGUNAAN QRIS SEBAGAI ALAT TRANSAKSI DI KALANGAN GEN Z Vina Maudina; Adhisa Nabila; Dilla Novi; Shalva Marlina; Hani Hatimatunnisani
Jurnal Sosio dan Humaniora (SOMA) Vol 4 No 2 (2026): JURNAL SOSIO DAN HUMANIORA : SOMA
Publisher : LPPM Politeknik Pajajaran ICB

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59820/soma.v4i2.372

Abstract

This study aims to analyze the use of QRIS (Quick Response Code Indonesian Standard) as a digital payment method among Generation Z. The type of research used is quantitative with a descriptive method. A total of 46 respondents were randomly selected using a questionnaire. The results of the study indicate that ease of use and transaction speed are the main factors driving the intensity of QRIS use by Gen Z, while security and fast response to complaints are other supporting factors. These findings provide valuable insights for digital payment system developers and business actors to optimize marketing strategies and develop QRIS-based services to better reach the Gen Z segment.
Co-Authors Ade Sudrajat Adhisa Nabila Adhisa Nabila Syahla Afrizal, Rifa Alen Dereas Putri Alfaz Syihab Gunawan Angel Simatupang Anita Lestari Ardi Taryanto Arlinda Septiani Aurora Pradipta Ayu Reza Oktora Ayulia Nirwani Basith Sukarno, Hasbi Caniago , Fauzi Chitra Septiani Dani Galuh Permana De Keizer, Hendriady Dede Rohmat Deselyne Leslie, Lahengky Melinda Dewi Pramanik, Nuniek Dewi, Yeni Amanda Dilla Novi Dilla Novi Amelia Dwi Robiul Rochmawati EUIS HERNAWATI POLITEKNIK EUIS HERNAWATI POLITEKNIK Fadil Habiburahman Farina , Farin Taska Faujiah, Nabila Fauzany, Riffka Fenny Kurniati Fitria Zaharah, Mela Gunardi , Gunardi Gunardi Gunardi Gunawan, Alfaz Syihab Gunawan, Irfan Habiburahman, Fadil Hani Handayani Hasdilla Syafitri Hendriady de Keizer Hendriady de Keizer Hernawati, Euis Indrawan, Bisma Irfan Gunawan Irianti, N. Anti Nur Kamelia Kamelia Karyadi kesumah, priatna Krisna Eri Sutrisno Kunto Ajibroto Kurnia Pancawati Kusnadi, Hani Kustyanti Lestari, Ceri Linda Putri Lupita, Aprilia Maharani, Risca Marizca Amalia Maulana, Muhamad Chandra Maulida Khaerunnisa, Dila Meilani, Alya Sheila Muchamad Rifaldy Baitullah Mulya Mantri , Yaya Mulya Mantri, Yaya Nita Rustanti Nita Rustanti Nugraha, Muhamad Arya Nugraha NUNUNG, AI Nur Azizah Nur Rahma Khaliandri, Syalwa Nurdin, Jusuf Nurfadilah, Haifa Nurfadillah, Haifa NurFauziah, Raisya Fadillah Oktapiani, Syarah Pintu Batu, Shintya Rosalina Raden Wahyu Utomo Martianto Rakhmat Haryono Rakhmat Haryono Ranti Rosalina, Resmi Rena Nur Salehah Rifki Paturohman Rika, Putri Rini Susilowati Rohmah, Allika Arisandy Nur Rossana Amelia Said Bambang Nurcahya Salehah, Rena Nur Salsabila , Kania Syalwa Samsul Hadi Setiawan, M. Lutfi Shalva Marlina Shofi Sandi Aryanti Sholih, Dede Tazzudin, Muhamad Dimas Vella Azahra Putri Vella Azzahra Veranita, Mira Vina Maudina Viqry Reyfangga Praditama Wasti, Melan Wawan Hermawan Wawan Hermawan WILDAN NISPIANI Wiyanto , Wiyanto Wulan Zahra YUSUF, RAMAYANI Zahra, Fhadilla Zauzia Siti Zahra Zsabilla Zsafira Zsafira, Zsabilla