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ANALISIS PERBANDINGAN KINERJA BANK ASING DAN BANK NASIONAL DENGAN MENGGUNAKAN RASIO KEUANGAN Astuti, Hikmah Dwi
Jurnal Manajemen Magister Darmajaya Vol 1, No 01 (2015): Jurnal Manajemen Magister Darmajaya
Publisher : Jurnal Manajemen Magister Darmajaya

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Abstract

Assessment on performance of a bank is conduct by analyzing the financial statement. Bank financial statement, as balance, can give information to extern party. The information is about description of financial position, that in further can be used by the extern party to estimate the risk of a bank. In perspective of ownership, there are two groups of bank, national bank and foreign bank. Both of these groups have a tight competition in order to indicate a good performance in public eyes. This research aims to analyze financial performance of national bank and foreign bank in period of 2010-2013 using financial ratio. Population of this research is national bank and foreign bank recorded in Indonesian Bank Report of 2010-2013. The samples of this research are 30 national banks and 10 foreign banks. This research uses secondary data collecting of Banking Financial Statement from www.bi.go.id to count variables used in this research. Analysis technique used in this research is Mann-Whitney test. Mann-Whitney test is used to determine different responds of 2 data populations. This test is strongest test of non-parametric tests. The analysis shows that there is a significant difference of each financial ratio of national bank and foreign bank. National bank is better in BOPO. While foreign bank is better in CAR, LDR, & ROA.Keywords: CAR, LDR, BOPO & ROA
HUKUM PERNIKAHAN DI INDONESIA DAN MALAYSIA: STUDI KOMPARATIF Zakaria, Endang; ., Nurhadi; Alfarisi, Usman; Astuti, Hikmah Dwi; Basyaril, Ammar Muhzim; Nurcahyati, Ai
Emanasi : Jurnal Ilmu Keislaman dan Sosial Vol 7 No 1 (2024): Jurnal Emanasi Volume 7 Edisi 1 Tahun 2024
Publisher : Asosiasi Dosen Peneliti Ilmu Keislaman dan Sosial

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Hukum Pernikahan Di Indonesia Dan Malaysia: Studi Komparatif
Peningkatan Usaha Lebah Klanceng Sebagai Ekonomi Alternatif Masyarakat Desa Tanggulangin Punggur Lamteng Astuti, Hikmah Dwi; Laksmi, Dyah Ayu Vijaya
Jurnal Pengabdian kepada Masyarakat UBJ Vol. 5 No. 2 (2022): June 2022
Publisher : Lembaga Penelitian Pengabdian kepada Masyarakat dan Publikasi Universitas Bhayangkara Jakarta Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31599/msqpyw11

Abstract

Klanceng bee cultivation is an opportunity for rural communities who have biological resources as an alternative economy. This Community Service was carried out in Tanggulangin Village, Punggur District, Central Lampung Regency. This activity takes place from January to March 2022. The aim is to help business development and marketing of klanceng honey. The main problems experienced by klanceng bee farmers are (1) it is difficult to market their harvested klang honey because the price is higher than other honey, (2) the klanceng honey bee farmer group has not yet been formed, (3) the absence of packaging registered with BPOM. The method used is the method of discussion, mentoring, and training. The results of the activity are in the form of planting bridal tear flower seeds, euphorbia flowers and mango tree seeds, creating an account at the e-commerce online store to reach a wider marketing of klanceng honey products. The packaging technique at the time of the training was still using ordinary plastic bottles which were less attractive and there were no brands registered with BPOM, so the PKM team assisted in making packaging brands and registering products with BPOM. With this PKM activity, it is hoped that the klanceng bee farmers will be able to manage their business so that they can become an alternative economic source and improve welfare.
Analisis Perbandingan Kinerja Keuangan Bank Umum Syariah Yang Terdaftar Di Bursa Efek Indonesia (BEI) Periode Tahun 2021-2023 Astuti, Hikmah Dwi; Dewi, Ade Sandra
JURNAL ILMU MANAJEMEN SABURAI Vol 11, No 2 (2025): JURNAL ILMU MANAJEMEN SABURAI (JIMS)
Publisher : Universitas Sang Bumi Ruwa Jurai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24967/jims.v11i2.4606

Abstract

Abstrak Penelitian ini bertujuan untuk mengukur kinerja keuangan bank umum syariah yang terdaftar di Bursa Efek Indonesia (BEI) tahun 2021-2023 menggunakan rasio Likuiditas (FDR), rasio Solvabilitas (CAR), dan rasio Profitabilitas (BOPO, ROA dan ROE). Data yang digunakan berupa data bank umum syariah yang mempublikasikan laporan keuangan tahunan yaitu PT. Bank Syariah Indonesia,Tbk (BRIS), PT. Bank Tabungan Pensiunan Nasional Syariah,Tbk (BTPS), PT. Bank Panin Dubai Syariah, Tbk. (PNBS) dan PT. Bank Aladin Syariah, Tbk. (BANK). Metode analisis data yang digunakan dalam penelitian ini adalah metode deskriptif kuantitatif. Hasil penelitian berdasarkan rasio likuiditas (FDR) BTPS dan BRIS menunjukkan kinerja keuangan yang sehat, sementara PNBS dan BANK menunjukkan kinerja yang kurang baik. Dari sisi rasio solvabilitas untuk BTPS, BRIS dan PNBS mencapai standar rasio CAR yang ditetapkan Bank Indonesia, namun untuk BANK belum memenuhi standar CAR yang ditetapkan Bank Indonesia. Dan untuk rasio profitabilitas (BOPO, ROA, ROE) bank syariah dengan kinerja yang terus meningkat adalah BRIS, BTPS juga menunjukkan kinerja yang baik di tahun 2021&2022 namun kinerja BTPS menurun di tahun 2023, sedangkan untuk PNBS dan BANK menunjukan angka yang tidak sehat. Kata Kunci: Analisis Rasio Keuangan, Bank Syariah, Kinerja Keuangan