Claim Missing Document
Check
Articles

ANALISIS PENGGUNAAN QRIS SEBAGAI ALAT TRANSAKSI DI KALANGAN GEN Z Maudina, Vina; Nabila, Adhisa; Novi, Dilla; Marlina, Shalva; Hatimatunnisani, Hani
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.
MENILAI KINERJA DAN KESEHATAN KEUANGAN BANK BTN MENGGUNAKAN PENDEKATAN CAMEL PERIODE 2022–2024 Nabila Syahla, Adhisa; Azzahra, Vella; Gunawan, Irfan; Hatimatunnisani, Hani; Fauzany, Riffka
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.v4i2.481

Abstract

This research examines the financial performance of PT Bank Tabungan Negara (Persero) Tbk for the 2022–2024 period by applying the CAMEL analysis framework. A descriptive quantitative method is employed, utilizing secondary data derived from BTN’s publicly available annual financial reports. The assessment focuses on several key financial indicators, namely Capital Adequacy Ratio (CAR), Asset Quality (KAP), Net Profit Margin (NPM), Return on Assets (ROA), Operating Expenses to Operating Income (BOPO), and Loan to Deposit Ratio (LDR). The findings reveal that, overall, Bank BTN maintained a sound financial condition throughout the observation period. The results indicate strong capital resilience, well-managed asset quality, relatively consistent profitability despite certain fluctuations, and sufficient liquidity levels. Accordingly, the CAMEL approach proves to be a reliable and effective method for evaluating the financial soundness and performance of Bank BTN.
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.
Co-Authors Ade Sudrajat Afrizal, Rifa Alen Dereas Putri Amalia , Marizca Amelia, Rossana Anita Lestari Ardi Taryanto Arlinda Septiani Azzahra, Vella Basith Sukarno, Hasbi Caniago , Fauzi De Keizer, Hendriady Dede Rohmat Deselyne Leslie, Lahengky Melinda Dewi Pramanik, Nuniek Dewi, Yeni Amanda Dwi Robiul Rochmawati Eri Sutrisno, Krisna EUIS HERNAWATI POLITEKNIK EUIS HERNAWATI POLITEKNIK Farina , Farin Taska Faujiah, Nabila Fauzany, Riffka Fenny Kurniati Fitria Zaharah, Mela Galuh Permana, Dani Gunardi , Gunardi Gunardi Gunardi Gunawan, Alfaz Syihab Gunawan, Irfan Habiburahman, Fadil Hani Handayani, Hani Hendriady de Keizer Hernawati, Euis Indradewa, Rhian Indrawan, Bisma Irianti, N. Anti Nur Kamelia Kamelia Karyadi kesumah, priatna Kunto Ajibroto, Kunto Kustyanti Kusnadi, Hani Lestari, Ceri Lupita, Aprilia Maharani, Risca Marlina, Shalva Maudina, Vina Maulana, Muhamad Chandra Maulida Khaerunnisa, Dila Meilani, Alya Sheila Muchamad Rifaldy Baitullah Mulya Mantri , Yaya Mulya Mantri, Yaya Nabila Syahla, Adhisa Nabila, Adhisa Nita Rustanti Novi Amelia, Dilla Novi, Dilla Nugraha, Muhamad Arya Nugraha NUNUNG, AI Nur Azizah Nur Rahma Khaliandri, Syalwa Nurdin, Jusuf Nurfadilah, Haifa Nurfadillah, Haifa NurFauziah, Raisya Fadillah Oktapiani, Syarah Pancawati, Kurnia Paturohman, Rifki Pintu Batu, Shintya Rosalina Pradipta , Aurora Putri , Linda Putri, Vella Azahra Raden Wahyu Utomo Martianto Rakhmat Haryono Ranti Rosalina, Resmi Rena Nur Salehah Reza Oktora , Ayu Rika, Putri Rini Susilowati Rohmah, Allika Arisandy Nur Said Bambang Nurcahya Salehah, Rena Nur Salsabila , Kania Syalwa Samsul Hadi Sandi Aryanti, Shofi Septiani, Chitra Setiawan, M. Lutfi Sholih, Dede Simatupang, Angel Siti Zahra, Zauzia Syafitri, Hasdilla Tazzudin, Muhamad Dimas Veranita, Mira Viqry Reyfangga Praditama Wasti, Melan Wawan Hermawan WILDAN NISPIANI Wiyanto , Wiyanto YUSUF, RAMAYANI Zahra , Wulan Zahra, Fhadilla Zahra, Zauzia Siti Zsabilla Zsafira Zsafira, Zsabilla