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Krisis Covid-19 Sebagai Prediktor Kebijakan Dividen: Bukti Dari Perusahaan Sektor Industri Dasar Dan Kimia Restiana Ie Tjoe Linggadjaya; Apriani Dorkas Rambu Atahau
Jurnal Proaksi Vol. 10 No. 3 (2023): Juli - September
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Muhammadiyah Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32534/jpk.v10i3.4362

Penelitian ini mengkaji dampak krisis akibat COVID-19 terhadap kebijakan dividen, yang secara spesifik mengkaji perusahaan sektor industri dasar dan kimia di Indonesia. Periode penelitian yang ditetapkan adalah tahun 2014 – 2020. Purposive sampling technique adalah adalah metode penarikan sampel yang digunakan. Sampel yang terkumpul adalah 39 perusahaan, dengan total 273 unit observasi. Instrumen analisis statistik yang digunakan adalah regresi data panel dinamis dengan pendekatan metode FD-GMM. Estimasi parameter menggunakan STATA versi 22. Hasil penelitian yang didapatkan adalah krisis COVID-19 terbukti berpengaruh positif terhadap kebijakan dividen. Hasil tersebut menggambarkan bahwa pada saat krisis, perusahaan sektor industri dasar dan kimia di Indonesia cenderung menekan, bahkan menghilangkan dividen yang dibagikan. Hasil ini memberikan kontribusi kepada perusahaan sektor industri dasar dan kimia untuk menekan pembagian dividen selama krisis untuk bertahan hidup. Selain itu, investor perlu mempertimbangkan instrumen investasi saham perusahaan sektor ini untuk mendapatkan pengembalian berupa dividen yang optimal selama periode krisis secara optimal.

Penerapan Service Quality pada Kajian Aspek Pasar: Studi Kelayakan Usaha Cafe Bukit Soka Wibowo, Dianta Ricky; Setyanti, Dina Budi; Putri, Evellyn Diva; Atahau, Apriani Dorkas Rambu
Majalah Ilmiah METHODA Vol. 14 No. 2 (2024): Majalah Ilmiah METHODA
Publisher : Universitas Methodist Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar

After the Covid-19 pandemic, Wisma Baptis Bukit Soka Salatiga, which is supported by the Indonesian Baptist Foundation, has plans to establish a new business, Cafe Bukit Soka. This community service activity was carried out to assist the Indonesian Baptist Foundation in observing the establishment of a new business, Cafe Bukit Soka. Observations were carried out by reviewing market aspects using the service quality method while also conducting direct observations in the field. In the survey that has been carried out, service quality indicators are used which consist of physical evidence, reliability, responsiveness, guarantee and attention. The results of observations through a market survey obtained 50 respondents who had the perception that Cafe Bukit Soka would provide adequate facilities, be responsive to consumer complaints and desires, reliable in serving consumers, guarantee safety and comfort, and pay attention to every consumer's needs. This analysis was prepared in the form of a report which was then submitted to Wisma Bukit Soka Salatiga to be used as a reference in establishing a new business, Cafe Bukit Soka.

Adopsi QRIS oleh UMKM dengan Menggunakan Theory of Interpersonal Behavior Atahau, Apriani Dorkas Rambu; Himaya, Devi Nila
Performance: Jurnal Personalia, Financial, Operasional, Marketing dan Sistem Informasi Vol 29 No 2 (2022): Performance
Publisher : Faculty of Economics and Business Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32424/1.jp.2022.29.2.6336

The purpose of this study was to obtain empirical evidence regarding the interest of MSME actors in adopting QRIS as a digital payment with the Theory of Interpersonal Behavior (TIB) approach. The data used in this study is primary data obtained through questionnaires distributed to 100 MSME actors in Central Java using a purposive sampling method with the Slovin formula. The data analysis technique used partial regression analysis (Partial Least Square/PLS). The results of this study prove that attitudes and emotional responses have a significant positive effect on the interest of MSME actors in using QRIS as digital payments, interest has a significant positive effect on the behavior of MSME actors in using QRIS as digital payments, and repeated behavior in the past has a significant effect on the formation of positive habits. SMEs in using QRIS as digital payments. While the results in accordance with the hypothesis are that social factors do not have a significant positive effect on the interest of MSME actors in using QRIS as a digital payment, the habits and conditions that facilitate it as moderating do not significantly affect the behavior of MSME actors in using QRIS as a digital payment.

Financial Risk and Performance of National Private Foreign Exchange Commercial Bank: Moderating Effects of Bank Size Olivia, Chintya; Atahau, Apriani Dorkas Rambu; Martono, Samuel
Jurnal Keuangan dan Perbankan Vol 26, No 1 (2022): January 2022
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jkdp.v26i1.6268

This study aims to analyze the effect of risk on financial performance and the moderating effect of bank size on the relationship between risk and financial performance. This study uses seven Foreign Exchange National Private Commercial Banks listed on the IDX 2015-2019 as the samples. The analytical method used is a panel data regression model with STATA 16.0 software. Empirical results show that liquidity and credit risk have no effect on financial performance. Market risk has a significant positive effect on financial performance while operational risk has a significant negative effect on financial performance. Bank size moderate the effect of liquidity and credit risk on financial performance but failed to moderate the effect of market and operational risk on financial performance. These findings imply that national foreign exchange private commercial banks listed on the IDX for the 2015-2019 period should pay attention to the market and liquidity risks as those risks affect banks’ profitability, especially for large banks.

MERGER BPR BKK GROGOL: SUATU TINJAUAN PROFITABILITAS DAN EFISIENSI Reghita Indah Cahyaningtyas; Apriani Dorkas Rambu Atahau
Modus Vol. 32 No. 1 (2020): MODUS
Publisher : Faculty of Business and Economics Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24002/modus.v32i1.3213

ABSTRACTThis research aims to determine the difference in the profitability and efficiency of PD BPR BKK GROGOL before and after merger during the period 2007-2011 (before merger) and 2012-2016 (after merger). Profitability was measured using ROA and ROE indicators, while efficiency was measured using inputs; total assets, total equity and labor costs and using operating income output. Efficiency measurements are carried out using the Data Envelopment Analysis (DEA) method. To find out the difference before and after the merger t test was used (Paired Sample T-Test). The results showed no significant differences in terms of profitability, but when viewed from the efficiency level there were significant differences before and after the merger. The implications of the results of these studies are that government or local governments can consider mergers for less efficient companies..Keywords: merger; profitability; efficiency; DEA ABSTRAKPenelitian ini bertujuan untuk melihat apakah terdapat perbedaan profitabilitas dan efisiensi PD BPR GROGOL antara sebelum dan sesudah merger selama periode 2007-2011 (sebelum merger) dan 2012-2016 (sesudah merger). Profitabilitas diukur dengan menggunakan indikator ROA dan ROE, sedangkan efisiensi diukur dengan menggunakan input; total asset, total ekuitas dan biaya tenaga kerja dan menggunakan output laba operasi. Pengukuran efisiensi dilakukan dengan menggunakan metode Data Envelopment Analysis (DEA). Untuk mengetahui perbedaan antara sebelum dan sesudah merger, penelitian ini menggunakan t test (Paired Sample T-Test). Hasil penelitian ini menunjukkan tidak ada perbedaan profitabilitas, namun dari sisi efisiensi terlihat adanya perbedaan yang signifikan antara sebelum dan sesudah merger. Implikasi hasil penelitian ini adalah pemerintah pusat dan daerah dapat menggunakan merger untuk perusahaan-perusahaan yang kurang efisien. Kata kunci: merger; profitabilitas; efisiensi; DEA

PENGGUNAAN E-WALLET DALAM TRANSAKSI E-COMMERCE: ANALISIS UNIFIED THEORY OF ACCEPTANCE AND USE OF TECHNOLOGY (UTAUT) Puspaningrum, Rr Natasha Pramesthi Budi; Atahau, Apriani Dorkas Rambu
JURNAL EKONOMI PENDIDIKAN DAN KEWIRAUSAHAAN Vol. 11 No. 2 (2023)
Publisher : UNIVERSITAS NEGERI SURABAYA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jepk.v11n2.p191-208

E-wallet is an electronic service used as a payment tool in electronic form where the amount of money will be stored in a certain electronic medium. However, there are still problems related to privacy and data security also network access while using e-wallet. The use of e-wallet is expected to increase efficiency and effectiveness in conducting transactions, helping the smoothness of small but frequent mass transactions. The Unified Theory of Acceptance and Use of Technology (UTAUT) analysis is used to predict a person's attitudes and acceptance of the technology used and provide information on what factors can encourage the user's attitudes. The purpose of this study is to analyze the use of e-wallets in transactions on e-commerce using the UTAUT framework and to determine the impact of using E-wallets as a non-cash payment tool for e-commerce using the Unified Theory of Acceptance and Use of Technology (UTAUT) framework on 109 student respondents of Faculty Economics and Business Satya Wacana Christian University using explanatory research through a quantitative approach. The results of this study prove that there are two accepted hypotheses. Only the social influence and facilitating conditions variables have a positive and significant effect on the user's interest in using the ShopeePay service with an interest in transactions on e-commerce.

Investment Interest and Consumptive Behaviour of Student Investors: Between Rationality and Irrationality Umboh, Jandi Elriko; Atahau, Apriani Dorkas Rambu
JDM (Jurnal Dinamika Manajemen) Vol 10, No 1 (2019): March 2019
Publisher : Department of Management, Faculty of Economics and Business, Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jdm.v10i1.16837

The purpose of this study is to examine the tendency to invest and consume among student in North Sulawesi. Phenomenon in North Sulawesi province showed an increase in the number of stock investors dominated by young investors (university students). In making investment decision, they often act in irrational way (herding behavior). In contrast, other phenomena demonstrated a consumptive behavior of those young investors which contradict with investment interests. Populations of this research are 3468 student investors at Indonesia stock Exchange Investment Gallery in the North Sulawesi province. Using accidental sampling, the sample selected is 250 student investors. The analytical technique used is Covariance Based Structural Equation Modeling (CB-SEM). The results showed that investment interest mediate the effect of herding behavior on consumptive behavior. It implies the need to educate student investors on the importance of minimizing the consumptive behavior

MERGER BPR BKK GROGOL: SUATU TINJAUAN PROFITABILITAS DAN EFISIENSI Cahyaningtyas, Reghita Indah; Atahau, Apriani Dorkas Rambu
Modus Vol. 32 No. 1 (2020): MODUS
Publisher : Faculty of Business and Economics Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24002/modus.v32i1.3213

ABSTRACTThis research aims to determine the difference in the profitability and efficiency of PD BPR BKK GROGOL before and after merger during the period 2007-2011 (before merger) and 2012-2016 (after merger). Profitability was measured using ROA and ROE indicators, while efficiency was measured using inputs; total assets, total equity and labor costs and using operating income output. Efficiency measurements are carried out using the Data Envelopment Analysis (DEA) method. To find out the difference before and after the merger t test was used (Paired Sample T-Test). The results showed no significant differences in terms of profitability, but when viewed from the efficiency level there were significant differences before and after the merger. The implications of the results of these studies are that government or local governments can consider mergers for less efficient companies..Keywords: merger; profitability; efficiency; DEA ABSTRAKPenelitian ini bertujuan untuk melihat apakah terdapat perbedaan profitabilitas dan efisiensi PD BPR GROGOL antara sebelum dan sesudah merger selama periode 2007-2011 (sebelum merger) dan 2012-2016 (sesudah merger). Profitabilitas diukur dengan menggunakan indikator ROA dan ROE, sedangkan efisiensi diukur dengan menggunakan input; total asset, total ekuitas dan biaya tenaga kerja dan menggunakan output laba operasi. Pengukuran efisiensi dilakukan dengan menggunakan metode Data Envelopment Analysis (DEA). Untuk mengetahui perbedaan antara sebelum dan sesudah merger, penelitian ini menggunakan t test (Paired Sample T-Test). Hasil penelitian ini menunjukkan tidak ada perbedaan profitabilitas, namun dari sisi efisiensi terlihat adanya perbedaan yang signifikan antara sebelum dan sesudah merger. Implikasi hasil penelitian ini adalah pemerintah pusat dan daerah dapat menggunakan merger untuk perusahaan-perusahaan yang kurang efisien. Kata kunci: merger; profitabilitas; efisiensi; DEA

Faktor Penentu Profitabilitas Bank Tercatat di Indonesia: Pendekatan dengan Regresi Kuantil Restiana Ie Tjoe Linggadjaya; Apriani Dorkas Rambu Atahau; Gracia Shinta S. Ugut; Kim Sung Suk
Jurnal Proaksi Vol. 11 No. 1 (2024): Januari - Maret
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Muhammadiyah Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32534/jpk.v11i1.5246

This quantitative study examines 6 predictors that are presumed to affect profitability for listed banks in Indonesia. The purpose of this study is to examine the determinants of profitability and the magnitude of the influence of such determinant on profitability of listed banks in Indonesia. This study uses the entire population of listed banks in Indonesia and focused on the period from 2013 to 2022 with a total of 47 listed banks. The statistical analysis instrument used is panel data quantile regression using R. Bank profitability is measured by return on assets (ROA), whereas liquidity, assets quality, asset management, leverage, efficiency, and capital adequacy are used as bank‐specific factors. The research result are that asset quality, asset management, capital adequacy affect bank profitability significantly and positively, while asset quality and efficiency negatively affect profitability. Meanwhile, LDR has a negative relationship with profitability. The novelty of this study is that it is the first study on the determinants of profitability for banks registered in Indonesia using quantile regression. The results of quantile regression provide deeper insight than OLS linear regression or fixed effect panel regression because it can describe the distinctive influence and direction of each quantile of profitability. Quantile regression analysis of profitability has been carried out on return on assets, and not yet being performed on net interest margin and return on equity. Suggestions for future research to add a lagged effect (t-1) for asset quality to profitability and also add robustness check.

ANALISIS MODEL SPRINGATE, GROVER DAN ZMIJEWSKI SEBAGAI ALAT PREDIKSI KEBANGKRUTAN PADA PT ASURANSI JIWASRAYA Veni Tiara Sari; Apriani Dorkas Rambu Atahau
IDEI: Jurnal Ekonomi & Bisnis (IDEI: Journal of Economics & Business) Vol 1 No 2: Desember 2020
Publisher : Insan Doktor Ekonomi Indonesia (IDEI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38076/ideijeb.v1i2.16

This study aimed to determine the most influential prediction models that cause the potential bankruptcy of a company. This type of research was quantitative by comparing the predictions and reality of corporate bankruptcy by using the calculation of three bankruptcy prediction models: Springate, Grover, and Zmjewski. The results of the study using the Springate Score and Grover models showed the same results with a percentage of 100% in which companies in 2011 to 2017 were predicted not to go bankrupt with an S score of more than 0.862 and a G score of more than 0.01. This result was in line with the relita happened that the company was still operating until now. While the results of research using the Zmijewski model showed the results that predictions and reality were inversely proportional, where bankruptcy prediction results stated that the company went bankrupt with the calculated value above 0, but the reality was that the company was still operating today. Of the three most accurate bankruptcy prediction models, the Springate and Grover models, where predictions and reality were in line with research result

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