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COMPARISON ANALYSIS OF THE HEALTH OF SOE BANKS AND PRIVATE BANKS USING THE RGEC METHOD 2016-2020 PERIOD Herry Susanto; Mas Ning Zahroh; Eprilly Ozza Permatadewi
International Journal Management and Economic Vol. 2 No. 1 (2023): Januari: International Journal Management and Economic
Publisher : Asosiasi Dosen Muda Indonesia

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Abstract

Bank health can be interpreted as the ability of a bank to carry out banking operations normally and be able to fulfill all of its obligations properly in ways that are in accordance with applicable banking regulations. The purpose of this study was to determine the difference in the level of soundness in state-owned banks and private banks based on the Risk Profile factor using the NPL (Non Performing Loan) ratio, and LDR (Loan to Deposit Ratio), Good Corporate Governance (GCG), Earning (Rentability) using Return On Assets (ROA) ratio, and Net Interest Margin (NIM) and Capital ratios using the Capital Adequacy Ratio (CAR) during the period 2016 to 2020. The results of the study using the Independent Sample T-test and the Mann-Whitney test show that there is a significant difference in the level of bank soundness at state-owned banks and private banks only in the ratio of Capital Adequacy Ratio (CAR). As for the ratios of NPL (Non Performing Loans), LDR (Loan to Deposit Ratio), Return On Assets (ROA), Net Interest Margin (NIM) and Good Corporate Governance (GCG) ratios, there is no significant difference.
THE EFFECT OF FINANCIAL PERFORMANCE ON COMPANY VALUE IN TELECOMMUNICATION COMPANIES LISTED ON THE INDONESIA STOCK EXCHANGE Indra Nugraha; Mas Ning Zahroh
International Journal Management and Economic Vol. 2 No. 2 (2023): May: International Journal Management and Economic
Publisher : Asosiasi Dosen Muda Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56127/ijme.v2i2.598

Abstract

The sample used in this study were 4 telecomunication sector companies listed on Indonesian Stock Exchange period 2013-2017 with purposive sampling. The indicators used are ROA for Profitability, DER for Solvability, CR for Liquidity and PBV for Firm Value. Data collection techniques use financial statements originating from the Indonesia Stock Exchange. The analysis technique used is Multiple Linear Regression.The result of this study indicate profitability has a positive and significant effect on firm value, solvency does not have a significant effect on firm value, liquidity has a positive and significant effect on firm value. Simultaneously profitability, solvability and liquidity affect the firm value.
THE INFLUENCE OF SERVICE QUALITY AND PERCEPTION OF BENEFITS ON GO-PAY SERVICE USER SATISFACTION Mas Ning Zahroh
International Journal Multidisciplinary Science Vol. 1 No. 3 (2022): October: International Journal Multidisciplinary Science
Publisher : Asosiasi Dosen Muda Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56127/ijml.v1i3.437

Abstract

One of the electronic payment instruments is known as electronic money (emoney). E-money is a form of digital money. E-money functions to transfer the money balance data contained in our e-money to a computer or sales information system, so that the goods we want are purchased without spending additional cash. The purpose of this study was to determine the effect of service quality and perceived benefits partially and simultaneously on Go-Pay service user satisfaction. In this study, the method used is primary data, namely data taken from distributing questionnaires to Gundarma University students majoring in management class of 2017 who use Go-Pay services. The analytical tools used are Likert scale, validity test, reliability test, classic assumption test, determination, RLB, t test, and f test. From the results of the analysis tested, it can be concluded that service quality (X1) has no partial effect on user satisfaction of Go-Pay services, while the perceived benefits variable (X2) has a partial effect on user satisfaction of Go-Pay services. Service quality and perceived benefits simultaneously influence Go-Pay service user satisfaction. This confirms that perceived benefits have a positive influence on Go-Pay service user satisfaction.