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All Journal JBTI : Jurnal Bisnis : Teori dan Implementasi Journal of Management, Entrepreneurship and Tourism
Zahrah Zahrah
Bumigora University
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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The Structure and Performance Analysis: Empirical Study on Commercial Banking in Indonesia 2010 – 2019 Zahrah Zahrah; Baiq Dinna Widiyasti; Lady Faerrosa Josman
JBTI : Jurnal Bisnis : Teori dan Implementasi Vol 13, No 2 (2022): August 2022
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jbti.v13i2.15233

Abstract

The purpose of this paper is to conduct an empirical study about the structure and performance of the banking sector in Indonesia with several specific factors which influenced the firms and the other control variables. This study used panel data which are the secondary data, total asset, ROA, CAR, LDR, and ROE ranging from 2010 to 2019. The sources are taken for the last ten years which is from the form of bank financial statements published by Bank Indonesia and Indonesian banking statistics published by the Indonesia financial services authority as well as from annual financial statements of each bank. In order to measure structure, this paper used concentration ratio as well as HHI for four large banks, to know the performance of the firm, this study used Return on Asset data, and to analyze the relationship between structure and performance, it used simple linear regression. This paper found that Indonesian banking has a high concentration, it proved from the value of HHI is more than 2500, and the value of CR4 shows between 40% and no more than 60%. It shows that the Indonesian banking sector is an Oligopoly market. Following further, there is a negative relative between the structure and performance of the firm proving the result of regression between total assets and CR4 for ten years.
Analysis of The Effectiveness of Cloud-Based Operations Management in Digital SMES Widia Febriana; I Nyoman Yoga Sumadewa; Rini Anggriani; Zahrah Zahrah
Journal of Management Entrepreneurship and Tourism Vol. 3 No. 2 (2025): July, Journal of Management Entrepreneurship and Tourism
Publisher : Sumber Belajar Sejahtera

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61277/jmet.v3i2.198

Abstract

The rapid development of digital technology has encouraged Micro, Small and Medium Enterprises (MSMEs) to adopt cloud-based operation management systems. This study aims to analyze the effectiveness of cloud technology implementation in supporting the operational activities of digital-based MSMEs, especially in the aspects of work efficiency, decision making, and adaptation to market changes. The method used is a qualitative approach with case studies on several MSMEs that have implemented cloud systems in their operational management. Data were collected through in-depth interviews, direct observation, and documentation of operational activities. The results show that the use of cloud-based systems has a positive impact on increasing operational efficiency, data transparency, and flexibility in resource management. In addition, MSMEs that utilize this technology tend to be more adaptive to market dynamics and faster in responding to customer needs. However, there are also some challenges, such as limited digital literacy and dependence on a stable internet connection. In conclusion, cloud-based operation management is an effective solution for digital-based MSMEs, although a sustainable mentoring and training strategy is needed for optimal and sustainable implementation
Co-Authors Baiq Dinna Widiyasti I Nyoman Yoga Sumadewa Josman, Lady Faerrosa Rini Anggriani Widia Febriana