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All Journal Ekonomikawan : Jurnal Ilmu Ekonomi dan Studi Pembangunan PROFIT : Jurnal Administrasi Bisnis Jurnal Ilmiah Universitas Batanghari Jambi Journal of Economic, Bussines and Accounting (COSTING) EKONOMIS : Journal of Economics and Business SEIKO : Journal of Management & Business Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan EQIEN - JURNAL EKONOMI DAN BISNIS JIKA: Jurnal Ilmu Keuangan dan Perbankan IJIES (International Journal of Innovation in Enterprise System) SULUH: Jurnal Abdimas jurnal ilmiah hospitality Management Studies and Entrepreneurship Journal (MSEJ) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Darma Agung Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) International Journal of Mechanical Engineering Technologies and Applications (MECHTA) Jurnal Perspektif Pembiayaan dan Pembangunan Daerah JURNAL EKONOMI BISNIS DAN MANAJEMEN (EKO-BISMA) JURNAL TEKNIK INDUSTRI Padma: Jurnal Pengabdian Kepada Masyarakat Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) eProceedings of Engineering JURNAL PENGABDIAN KEPADA MASYARAKAT (ADI DHARMA) Jurnal Pengabdian Kepada Masyarakat JIMIA Jurnal Penelitian Pendidikan Indonesia
Rita Zulbetti
Universitas Muhammadiyah Bandung
Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mechanical Engineering Public Health Social Sciences Other

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MANAJEMEN RISIKO KREDIT BERMASALAH PADA BANK BJB KANTOR CABANG SOREANG Abielya Steffina Nasyachril; Areilya Stefhany Nasyachri; Rita Zulbetti
Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Vol. 4 No. Spesial Issue 1 (2021): Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan
Publisher : Departement Of Accounting, Indonesian Cooperative Institute, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (293.784 KB) | DOI: 10.32670/fairvalue.v4iSpesial Issue 1.830

Abstract

This study aims to find out the risk management that occurs in the field of credit lifeinsurance, the level of collectibility of bad credit, as well as procedures applied bybank bjb soreang branch office in case of some obstacles experienced by the debtorin paying the agreed insurance premium. By using qualitative descriptive researchthat analyzes existing events or problems. The data obtained in the form of secondarydata from the consumer policy nominative report in 2020. Data collection techniquesin the form of field observation by conducting interview activities on the mattersneeded with related parties. There are 2 data obtained, namely consumer policynominative data in 2020 in may and july that experienced bad credit. The method ofcalculating non-performing credit analysis using npl formula in accordance with sebi no. 21/11/dndp/2010. The result of the calculation is in may of 0.026% and july0.017%, the npl is still within reasonable limits and is said to be healthy notexceeding the maximum npl limit set by bi of 5%.
EDUKASI PENGELOLAAN KEUANGAN DAN INVESTASI BAGI MASYARAKAT PEKERJA INFORMAL PA Andiena Nindya Putri; Putu Saroyini Piartrini; Upik Djaniar; Rita Zulbetti; Alfiana Alfiana
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 5 No. 5 (2024): Vol. 5 No. 5 Tahun 2024
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v5i5.36057

Abstract

Pekerja informal memiliki peran penting dalam perekonomian, namun mereka sering kali menghadapi tantangan dalam mengelola keuangan dan investasi. Artikel ini bertujuan untuk mengeksplorasi pentingnya edukasi pengelolaan keuangan dan investasi bagi masyarakat pekerja informal. Melalui metode literature review, penelitian ini menganalisis berbagai studi yang membahas keterampilan pengelolaan keuangan, termasuk budgeting, tabungan, dan investasi yang dapat meningkatkan kesejahteraan ekonomi mereka. Temuan menunjukkan bahwa pendidikan keuangan yang efektif dapat membantu pekerja informal dalam mengambil keputusan finansial yang lebih baik, mengelola risiko, serta merencanakan masa depan yang lebih stabil. Selain itu, artikel ini mengidentifikasi tantangan yang dihadapi dalam penyampaian edukasi ini, seperti akses terbatas ke sumber daya dan pengetahuan keuangan. Penelitian ini merekomendasikan strategi untuk meningkatkan program edukasi keuangan yang terintegrasi dengan kebijakan pemerintah dan lembaga swasta, guna memberdayakan pekerja informal dan meningkatkan literasi keuangan mereka. Hasil penelitian ini diharapkan dapat memberikan kontribusi bagi pengembangan kebijakan yang lebih baik dalam mendukung pekerja informal.
The Indonesian Commercial Banks' Profitability and Credit Risk Setiawan, Ilham; Zulbetti, Rita; Perwito, Perwito
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 14 No. 1: December 2024
Publisher : Program Studi Keuangan & Perbankan, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34010/jika.v14i1.14135

Abstract

This study examines the impact of credit risk on the profitability of commercial banks listed on the Indonesia Stock Exchange (IDX) during the period 2013-2022. Using purposive sampling, 40 banks were selected from 47 listed banks. Panel data regression analysis was employed to explore the impact of credit risk, measured by Non-Performing Loans (NPL) and Loan Loss Provisions (LLP), on profitability measured by Return on Assets (ROA). The results indicate that NPL has a negative but insignificant effect on ROA, suggesting that an increase in NPL does not directly impact a decrease in ROA. Conversely, LLP has a negative and significant effect on ROA, indicating that an increase in LLP can reduce ROA as banks allocate substantial funds for loan losses, thereby affecting their profitability. Therefore, banks and regulators need to enhance credit risk management. This not only impacts banking profitability but also can maintain the overall stability of the financial system. Keywords: Credit Risk, Non-Performing Loan, Loan Loss Provision, Return on Assets, Bank Profitability.
Financial Ratios' Effect on Stock Prices in Banking Subsector Companies Arifin, Childan Berlian; Zulbetti, Rita; Perwito, Perwito
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 14 No. 1: December 2024
Publisher : Program Studi Keuangan & Perbankan, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34010/jika.v14i1.14139

Abstract

This research analyzed the impact of financial ratios on stock prices in banking companies listed on the IDX from 2020 to 2023. Using a sample of 19 companies selected through purposive sampling from 47 issuers, the study examined Profitability (ROA, ROE), Solvency (DER), and Market Value (PBV) ratios. The findings show that ROE and PBV have a positive and significant impact on Stock Prices, suggesting that investors value companies with strong equity returns and market valuation. In contrast, ROA and DER do not significantly influence stock prices, indicating that asset utilization and debt levels may not be major considerations for investors in this sector. These results provide valuable insights for investors and regulators, underscoring the importance of financial ratios in making informed investment decisions and understanding stock price movements in the banking industry. Keywords: Profitability Ratios; Solvency Ratios; Market Value Ratios; Stock Prices; Banking
Designing Strategy of Indonesia Port Car Terminal Based on Analysis of Profitability Ratio Before And After the IPO Ilman, Hanif Insan; Chumaidiyah, Endang; Zulbetti, Rita
International Journal of Mechanical Engineering Technologies and Applications Vol. 2 No. 1 (2021)
Publisher : Mechanical Engineering Department, Engineering Faculty, Brawijaya University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/MECHTA.2021.002.01.5

Abstract

Indonesia has managed to get out of the low-income zone and into the middle-income zone. However, Indonesia still has a challenge that is to get out of the middle-income trap zone. These challenges must be resolved by improving the performance of BUMN. Indonesia Port Center Terminal is one of the BUMN subsidiary companies precisely a subsidiary of Indonesia Port Center II (Persero). The purpose of the study was to determine differences in performance indicators before and after the IPO in profitability ratios, namely ROA, ROE, OPM, and NPM and recommendations for performance improvement strategies. The data obtained is based on the 2016-2019 financial statements and questionnaires to expert judgment. The method used is the Wilcoxon Paired t-Test, AHP, and SWOT test. The results of the Wilcoxon Paired t-Test test before and after the IPO were no difference. The results of the company's SWOT analysis are in the position of quadrant I (strength and opportunities). The recommended strategy applied in this condition is to support an aggressive growth policy that prioritizes the strengths and opportunities of the company.
Perancangan Strategi Peningkatan Kinerja Perusahaan Berdasarkan Analisis Rasio Profitabilitas, Solvabilitas Dan Inflasi Terhadap Return Saham (Studi Kasus: Perusahaan Sektor Kesehatan Di Bei) Fitriani, Elsa; Chumaidiyah, Endang; Zulbetti, Rita
SEIKO : Journal of Management & Business Vol 6, No 2.1 (2023)
Publisher : Program Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/sejaman.v6i2.5523

Abstract

Sektor kesehatan memiliki dampak yang penting pada Produk Domestik Bruto (PDB) Indonesia, khususnya dalam rentang waktu 2020 hingga 2022. Penelitian ini mengadakan penilaian terhadap pengaruh simultan dan parsial dari rasio profitabilitas, solvabilitas, dan inflasi terhadap return saham dalam sektor kesehatan. Tujuan lain dari penelitian ini adalah merancang strategi yang mampu meningkatkan kinerja perusahaan melalui analisis faktor internal dan eksternal. Sumber data yang digunakan berasal dari sembilan perusahaan yang terdaftar di Bursa Efek Indonesia (BEI) selama periode 2020 hingga 2022. Melalui pemanfaatan data sekunder berupa rangkaian data waktu, penelitian ini mengimplementasikan regresi linier berganda. Hasil analisis menunjukkan bahwa Gross Profit Margin (GPM), Return on Equity (ROE), Debt to Equity Ratio (DER), dan tingkat inflasi secara bersama-sama memengaruhi return saham dalam sektor kesehatan. Di samping itu, variabel ROE, DER, dan inflasi juga menunjukkan signifikansi secara individual. Analisis ini mengintegrasikan elemen internal yang berasal dari hasil regresi dengan elemen eksternal. Integrasi ini menghasilkan pengelompokan strategi berdasarkan kuadran SWOT. Pemetaan serta validasi oleh para ahli menghasilkan tujuh rekomendasi strategi yang difokuskan pada peningkatan performa finansial dan pemasaran, optimalisasi teknologi, serta efisiensi gerakan sosial. Kata Kunci: rasio profitabilitas, rasio solvabilitas, inflasi, return saham, kinerja perusahaan
PENDIDIKAN KEUANGAN UNTUK PEDAGANG PASAR: MENINGKATKAN KEMAMPUAN MENGATUR KEUANGAN DAN MENGHADAPI TANTANGAN EKONOMI Feny Fidyah; Supiani Supiani; Rita Zulbetti; Verawaty Verawaty; Irdawati Irdawati
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 5 No. 3 (2024): Volume 5 No. 3 Tahun 2024
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v5i3.29292

Abstract

Artikel ini membahas pentingnya pendidikan keuangan bagi pedagang pasar dalam meningkatkan kemampuan mengatur keuangan dan menghadapi tantangan ekonomi. Melalui metode literature review, artikel ini mengkaji berbagai studi yang telah dilakukan terkait pendidikan keuangan bagi pedagang pasar, baik di Indonesia maupun di negara lain. Hasil kajian menunjukkan bahwa pendidikan keuangan dapat membantu pedagang pasar memahami konsep keuangan dasar, merencanakan anggaran, mengelola utang, serta mengambil keputusan keuangan yang lebih baik. Selain itu, pendidikan keuangan juga dapat meningkatkan ketahanan ekonomi pedagang pasar dalam menghadapi fluktuasi ekonomi dan krisis keuangan. Artikel ini menyimpulkan bahwa program pendidikan keuangan yang disesuaikan dengan kebutuhan pedagang pasar sangat penting untuk memperkuat sektor informal dan mendorong pertumbuhan ekonomi yang inklusif.
The Triad of Influence: How Price, Payment, and Trust Shape Online Purchase Behavior Adzirah Muzaffirah; Wahib Muhaimmin, Abdul; Hidayat, Kliwon; Elita Dewi, Heptari; Zulbetti, Rita; Daffa Dezar, Muhammad
Profit: Jurnal Adminsitrasi Bisnis Vol. 19 No. 2 (2025): Profit: Jurnal Administrasi Bisnis
Publisher : FIA UB

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.profit.2025.019.03

Abstract

Despite the growing popularity of online grocery shopping, consumers remain hesitant to purchase fresh produce online. All things that lead to practicality are straightforward to find in every business nowadays, even agricultural companies, as well as payment methods that have begun to switch to digital. This study investigates the factors influencing their purchasing decisions on the K platform. This research took place from January to March 2024. The respondents in this study amounted to 88 in The Greater Jakarta area. Data were obtained and analyzed using Structural Equation Models-Partial Least Square (SEM-PLS). Unlike prior research, we examine the moderating role of consumer trust on the relationship between price and purchasing decisions. Our findings reveal that price and payment methods significantly affect consumer purchasing decisions. However, consumer trust can mitigate the negative impact of price increases on sales. By understanding these dynamics, businesses can develop more effective strategies to attract and retain online customers in the competitive market for fresh produce.
Institutional Ownership and Firm Value: Conditional Process Model (CPM) P, Perwito; Zulbetti, Rita; Muabrok, Rifqi Ali; Setiawan, Ilham; Azyuranie, Rezqya. A
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 3 (2025): Dinasti International Journal of Economics, Finance & Accounting (July-August 2
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i3.4703

Abstract

The effect of institutional ownership on firm value with the conditional process model (CPM) approach: This study aims to test and analyze how and when Institutional Ownership is effective in increasing Firm Value. The research method uses a quantitative approach, the research design uses a descriptive approach, and an explanatory survey to test and analyze causal relationships. Research on public companies in Indonesia in the consumer-non-cyclical sector, as much as 488 pooled times series data with the analysis period 2016-2023, with the Conditional Process Model (CPM) approach to explain how (Mediation effect) and when / under what conditions (moderation effect) the effect occurs on the institutional ownership structure on firm value both directly and indirectly, to estimate the research model using Macro for SPSS V3.4. Research findings: institutional ownership, investment efficiency, and an independent board of commissioners affect increasing the value of the firm, The researcher produced a model formula that institutional ownership of the firm value through investment efficiency, is more visible to the company by involving an independent Board of Commissioners that leads to a high level, and investment efficiency can be used as a mitigation in making investment policies that can produce positive returns,  increase the value of the company, so that it can compete sustainably.
Sustainable finance and green economic growth: Evidence from the Indonesian banking sector Zulbetti, Rita; Muzaffirah, Adzirah; Alfiana, Alfiana; Perwito, Perwito
Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Vol. 13 No. 1 (2025): Jurnal Perspektif Pembiayaan dan Pembangunan Daerah
Publisher : Program Magister Ilmu Ekonomi Pascasarjana Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/ppd.v13i1.39325

Abstract

Green economic growth has emerged as a global priority in pursuing sustainable development. This study examines the role of resource allocation efficiency in supporting green economic growth, as influenced by green financing practices, sustainable finance policies, and green financial products. A quantitative research approach was employed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The study population consisted of 107 financial institutions. A purposive sampling technique was used to select 168 respondents from 84 banks, comprising senior managers, division heads, and executives responsible for implementing sustainable finance policies—averaging two respondents per institution. The results reveal that green financing practices, sustainable finance policies, and green financial products directly and significantly impact green economic growth. Moreover, resource allocation efficiency plays a mediating role in strengthening these relationships. These findings underscore the importance of the banking sector in driving innovation in green financial products, implementing sustainable finance policies, and enhancing resource utilization efficiency. In conclusion, the banking sector holds a strategic position in advancing green economic growth. Future research could extend this framework by examining the role of non-financial sectors or exploring how digital technology transformation facilitates green financing to support sustainable development goals further.
Co-Authors Abielya Steffina Nasyachril Adzirah Muzaffirah Adzirah Muzaffirah Ahmad Rizky Nurrahman Ai Susi Susanti Alderajat Mudayanah, Allyka Alfiana Alfiana Alfiana Aliva Tsabitah Andi Primafira Bumandava Eka Areilya Stefhany Nasyachri Arifin, Childan Berlian Azyuranie, Rezqya. A Bakri, Asri Ady Cakranegara, Pandu Adi Ciptaningrum Luthfi Nur Afuah Daffa Dezar, Muhammad Dede Hertina Dhiana Pratiwi Dimas Nugraha Dwi Sulistia Putri, Nadila Dwiyanti Dwiyanti Dwiyanti Dwiyanti, Dwiyanti edy susanto Eka, Andi Primafira Bumandava Elita Dewi, Heptari Emeral Sakinah Endang Chumaidiyah Endang Chumaidyah Endang Chumaidyah Farhan Anwar Farid Roihan, Muhammad Fathia Rahma Kamila Fauziyyah, Hana Feny Fidyah Fitra Nurhakim Fitriani, Elsa Henky Hendrawan Ilman, Hanif Insan Irdawati Irfan Widyanto Jeremy Joseph Jonathan Riestario Judijanto, Loso Kartika, Erawati Kiki Andriyana Klemens Mere Kliwon Hidayat Mira Veranita Muabrok, Rifqi Ali Mubarok, Rifqi Ali Muhammad Luthfi Mustika Pamungkas3, Jaka Muzaffirah, Adzirah Nadia Nurul Azzmi Niken Ekawati Nouvandry Alexander Nurwita Nurwita P, Perwito PA Andiena Nindya Putri PA Andiena Nindya Putri Perwita Perwito Perwito Perwito Perwito, Perwito Priyo Nugroho, Anton Putri Indah Sari Putri, Mayarani Putu Saroyini Piartrini Rahmani, Annisa Ramadani Kurnia Dewi Resanti Lestari Resha Setiawan Retinda Liandya Gita Reza Miftah Pebrianto Riestario, Jeremy Joseph Jonathan Sali Setiatin Santy Christinawati Setiawan, Ilham Setiawan, Resha Sherly Nurul Syifa Supiani Supiani Tata Maulidin Toharudin, Andi Upik Djaniar Verawaty Verawaty Vina Anggilia Puspita Wahib Muhaimmin, Abdul Wahyu Trimasuti Yulvani Pertiwi, Citra Yunita Fourina Dewi Yunyun Ratna YUSUF, RAMAYANI