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Pengembangan Kewirausahaan Digital di Indonesia Nurul Aini; Dian Martha Nurrul Amanah; Novinda Krisna Putri
Coopetition : Jurnal Ilmiah Manajemen Vol. 14 No. 2 (2023): Coopetition : Jurnal Ilmiah Manajemen
Publisher : Program Studi Magister Manajemen, Institut Manajemen Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/coopetition.v14i2.3264

Abstract

P The potential for the digital economy in Indonesia is enormous and is predicted to continue to grow. Indonesia is a very strategic market for digital products and services. The effect of using technology also influences the individual's desire to start a business. This research will examine how the concept of developing digital entrepreneurship in Indonesia uses the basic theory that is generally used in the field of government, namely the theory of policy actors. This study aims to provide a comprehensive analysis of the development of digital entrepreneurship in the digital economy era in Indonesia. The benefits of this research are expected to contribute to the discovery of digital entrepreneurship development in Indonesia. This research is an explorative qualitative research based on literature and literature study. Data analysis techniques are carried out by analyzing the contents of the data that has been collected. Based on the analysis that has been carried out, the development of digital entrepreneurship in Indonesia has been carried out using the pentahelix approach model which has involved 5 stakeholders namely government, business, academia, community and mass media. Each stakeholder has been well realized and synergizes with each other. The development of digital entrepreneurship must continue to be carried out with the development of access to internet technology and digitally literate human resources.
Exploring Financial Approaches to Evaluate Commercial Bank Profitability: An Empirical Analysis on Capital Adequacy Ratio, Loan Deposit Ratio and Non-Performing Loans Jenia Nur Soelistyoningrum; Marita Marcelya; Novinda Krisna Putri
Journal of Management and Business Environment (JMBE) Vol 5, No 1: July 2023
Publisher : Soegijapranata Catholic University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24167/jmbe.v5i1.10119

Abstract

Banking is a high-risk industry since it is responsible for managing public assets and investing them in securities or loans. As a result, assessing commercial bank performance is critical for understanding their health and efficiency. A financial approach is used to assess credit risk, liquidity, and bank adequacy in accordance to the requirements of Financial Service Authority (OJK). This research aims to determine the impact of the Capital Adequacy Ratio (CAR), Loan Deposit Ratio (LDR), and Non-Performing Loans (NPL) on bank’s performance in 2017-2019. Using the purposive sampling technique, the final sample consists of 114 observations-sample. A multiple linear regression analysis was adopted on balanced panel data using the secondary data from commercial banking sector in Indonesia Stock Exchange. Chow test and Hausman test were used to finalize the findings which is to ensure that the right model to be used for the analysis. The findings demonstrate that CAR, LDR, and NPL simultaneously impact significantly the performance. However, partially only CAR and NPL show impact on the performance whilst LDR does not. The study provides implications for bank managers in managing capital and loan portfolios. It also contributes to the existing literature on bank performance.