Claim Missing Document
Check
Articles

Found 2 Documents
Search
Journal : DFAME Digital Financial Accounting Management Economics Journal

Pengaruh Kebijakan Manajemen Keuangan Dan Inflasi Terhadap Kinerja Keuangan Pada Pt. Bank Tabungan Negara (Persero) Tbk Izzati, Nur Izzati; Saroni, Wahid Hasim Saroni; Hendraliany, Srie Hendraliany; Putri, Suci Nadiya Putri
DFAME Digital Financial Accounting Management Economics Journal Vol 3 No 3 (2025): AGUSTUS
Publisher : Awatara Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61434/dfame.v3i3.319

Abstract

Since the covid pandemic in 2019, the global economic conditions have experienced significant pressure such as decreased economic activity, as well as disruption of cash flow and liquidity. The impact of the pandemic pressure is felt mainly by the banking industry. However, based on OJK data at the end of 2020, conventional commercial banks with total assets of IDR 8,386 and based on Bank Indonesia, it can be seen that the amount of DPK has increased to IDR 6,665,390 billion in December 2020. Therefore, it is necessary to conduct a profitability ratio analysis that supports financial performance which is proxied by Net Interest Margin (NIM) by testing other financial variables that are indicated to be control variables such as Loan to Deposit Ratio (LDR) and Inflation. This study aims to understand the effect of Loan to Deposit Ratio (LDR) partially on Net Interest Margin (NIM) and see the effect of inflation partially on 1Net Interest Margin (NIM) and understand the simultaneous effect of Loan to Deposit Ratio (LDR) and inflation on Net Interest Margin (NIM) at PT. Bank Tabungan Negara (Persero) Tbk. The research method used is descriptive statistical analysis with a quantitative approach. The data used is secondary data. Testing of research variables was conducted using multiple linear regression analysis method, t-test, F-test, and coefficient of determination (R2) test. Based on the calculation results using SPSS 29.0.1, it was concluded that the hypothesis that the Loan to Deposit Ratio (LDR) and Inflation simultaneously have a significant effect on Net Interest Margin (NIM) Ha is accepted, Ho is rejected. However, partially (t-test) the Loan to Deposit Ratio (LDR) does not have a significant effect on Net Interest Margin (NIM) while Inflation has a significant effect on Net Interest Margin (NIM).
Pengaruh Arus Kas Operasi, Financial Leverage Dan Likuiditas Terhadap Return Saham Pada Perusahaan Yang Terdaftar Di Jakarta Islamic Index (JII) Nurmeilita, Tasha; Elisabect, Elisabect; Izzati, Nur; Adilatu, Muhamad; Nugroho Budi Wirawan
DFAME Digital Financial Accounting Management Economics Journal Vol 3 No 4 (2025): November
Publisher : Awatara Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61434/dfame.v3i4.324

Abstract

This study aims to examine the effect of operating cash flow, financial leverage, and liquidity on stock return in companies listed on the Jakarta Islamic Index (JII) for the period of 2021–2023. The research is motivated by the fluctuation in stock returns and financial conditions of JII companies, which are influenced by various fundamental factors. This study uses a quantitative approach with multiple linear regression analysis. The data used are secondary data obtained from 10 actively listed companies in the JII. The results show that, partially, operating cash flow has no significant effect on stock return, financial leverage also shows no significant effect, and liquidity likewise does not significantly affect stock return. Simultaneously, the three variables do not have a significant impact on stock return. These findings suggest that stock returns in JII companies during the observed period are influenced by other factors beyond operating cash flow, financial leverage, and liquidity. This research is expected to provide useful insights for investors, companies, and capital market regulators in making strategic decisions in the Islamic stock market.