Salmi Yuniar Bahri
Institut Teknologi Sosial dan Kesehatan Muhammadiyah Selong

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Stabilitas dan Risiko Bank: Dampak Capital Adequacy Ratio dan Non Performing Loan terhadap Profitabilitas melalui Loan to Deposit Ratio Salmi Yuniar Bahri; Slamet Riyadi
Jurnal Manajemen, Bisnis dan Kewirausahaan Vol. 6 No. 1 (2026): April: Jurnal Manajemen, Bisnis dan Kewirausahaan (JUMBIKU)
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jumbiku.v6i1.6544

Abstract

The objective of this study is to describe and analyze the effect of Capital Adequacy Ratio (CAR) and Non-Performing Loan (NPL) on the profitability of conventional banks listed on the Indonesia Stock Exchange, with Loan to Deposit Ratio (LDR) serving as an intervening variable, within the context of bank stability and risk. This study employs a quantitative research design with an explanatory approach. The population of this research includes all conventional banks listed on the Indonesia Stock Exchange during the period 2017 to 2025, totaling 37 banks. The sampling technique used is purposive sampling, resulting in a sample of 15 banks, including Bank Negara Indonesia (Persero) Tbk, Bank Rakyat Indonesia (Persero) Tbk, Bank Tabungan Negara (Persero) Tbk, Bank Mandiri (Persero) Tbk, Bank CIMB Niaga Tbk, Bank BTPN Tbk, Bank Pan Indonesia Tbk, Bank Maybank Indonesia Tbk, Bank Danamon Indonesia Tbk, Bank China Construction Bank Indonesia, Bank Woori Saudara Indonesia 1, Bank Maspion Indonesia Tbk, Bank Capital Indonesia Tbk, Bank KB Bukopin Tbk, and Bank Syariah Mandiri. The data analysis method employed is Partial Least Squares (PLS) with the assistance of SmartPLS 3.0 software. The results indicate that CAR has a negative but insignificant effect on LDR, while NPL has a negative and significant effect on LDR. Furthermore, both CAR and NPL have positive but insignificant effects on profitability, and the path analysis demonstrates that LDR cannot serve as an intervening variable in the relationship between CAR or NPL and the profitability of the sampled conventional banks.
Implementasi Program Jaminan Kesehatan Nasional dalam Mencapai Universal Health Coverage (UHC) di Kabupaten Lombok Timur Study Tahun 2024 Yuniar Affandy; Salmi Yuniar Bahri; Tuti Ika Ihwani
Jurnal Ilmu Kedokteran dan Kesehatan Indonesia Vol. 4 No. 3 (2024): November : Jurnal Ilmu Kedokteran dan Kesehatan Indonesia
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jikki.v4i3.6588

Abstract

Universal Health Coverage (UHC) is a health insurance system that ensures that every citizen in the population has fair access to quality promotive, preventive, curative, and rehabilitative health services at affordable costs. The achievement of Universal Health Coverage (UHC) planned in the National Medium-Term Development Plan (RPJMN 2020–2024), namely at least 98% of the total population becomes JKN members. The purpose of this study was to determine the Implementation of the National Health Insurance Program in achieving Universal Health Coverage (UHC) and the driving and inhibiting factors for the Implementation of the National Health Insurance Program in achieving Universal Health Coverage (UHC) which is specifically for the underprivileged in East Lombok Regency. This study uses a descriptive research type, using a qualitative approach. Based on the implementation approach, the four aspects that support the implementation of the program have been running well, but there are still some shortcomings in the communication aspect because there is still a lack of public awareness to realize that this program is indeed targeted at the underprivileged and have not received health insurance, resulting in inaccurate targets, and will actually become a burden on the government with the increase in the budget. The number of East Lombok residents who have JKN is 1,392,488 people (99.16%) of the total population of East Lombok Regency 1,404,343 people so that the UHC target of 98% has been achieved.