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Hutri Agus Romi
Universitas Ibnu Sina
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ANALISIS RASIO CAPITAL ADEQUACY RATIO, LOAN DEPOSIT RATIO DAN BOPO TERHADAP PROFITABILITAS PADA BANK PERKREDITAN RAKYAT Hutri Agus Romi
Postgraduate Management Journal Vol. 1 No. 2 (2022): Postgraduate Management Journal
Publisher : LPPM Universitas Ibnu Sina

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (329.634 KB) | DOI: 10.36352/pmj.v1i2.299

Abstract

The purpose of this study was to determine the CAR (Capital Adequacy Ratio), LDR (Loan Deposit Ratio) and BOPO simultaneously or partially responsible for a significant to ROA (Return on Asset) at Bank Perkreditan Rakyat in Batam period 2011-2015.The research sample was determined by using purposive sampling method so obtained 14 samples of 27 and used secondary data from published financial statements at banking in www.ojk.go.id. Data analysis was done quantitatively in terms of multiple regression and the classical assumption test and processed with SPSS 21 (statistical package for social science). The results showed that the CAR (Capital Adequacy Ratio), LDR (Loan Deposit Ratio) and BOPO simultaneously significant effect on ROA (Return on Assets).The T- test results showed partial BOPO significant effect on ROA (Return on Assets) but CAR (Capital Adequacy Ratio) and LDR (LoanDeposit Ratio) had no significant effect on ROA (Return on Asset).
Pengembangan SDM Berjiwa Wirausaha: Mindset, Skill, dan Aksi di Kelurahan Galang Baru, Batam Hutri Agus Romi; Mefri Yudi Wisra; Mulyadi Mulyadi
Jurnal Bersama Pengabdian Kepada Masyarakat (SAMAMAS) Vol. 1 No. 2 (2025): Juni 2025
Publisher : Yayasan Literasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55123/samamas.v1i2.247

Abstract

This report presents the implementation of a Field Work Lecture (KKL) program focused on enhancing entrepreneurial mindset, skills, and actions in Galang Baru Sub-district, Galang District, Batam City, Riau Islands Province. The primary issue addressed is the limited entrepreneurial orientation among the local community, particularly in utilizing available local resources. Despite the area's considerable potential to foster entrepreneurship, the prevailing challenges include a lack of entrepreneurial mindset, insufficient technical competencies, and minimal concrete efforts to initiate business ventures. The KKL program aimed to provide targeted education and training to strengthen the quality of human resources capable of engaging in entrepreneurship. Conducted over two days, from May 17 to May 18, 2025, the program involved 32 participating students. The methodological approach emphasized community engagement, prioritizing the development of three core entrepreneurial elements: mindset, skills, and practical action. The implementation process included field observation, preparation of outreach materials, community engagement, training sessions, and mentorship for locally owned businesses. The results of the program indicate a substantial improvement in community awareness of entrepreneurial thinking, with an increase from 40% to 85%. Similarly, mastery of entrepreneurial skills rose from 20% to 70%. Furthermore, 70% of participants demonstrated tangible entrepreneurial initiatives, either individually or in groups. These outcomes affirm that an integrated approach—encompassing mindset development, skill enhancement, and actionable initiatives—can effectively promote sustainable economic empowerment at the local level..
Co-Authors Mefri Yudi Wisra Mulyadi