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PENGARUH ON ASSETS (ROA) , LIQUIDITY FUNDING RATIO (LFR) , NON PERFORMING LOAN (NPL) , DAN CAPITAL ADEQUACY RATIO (CAR) TERHADAP PENYALURAN KREDIT PADA BANK BUMN YANG TERDAFTAR DI BEI PERIODE TAHUN 2013 – 2017 Fadli, Achmad Agus Yasin
Business Management Analysis Journal (BMAJ) Vol 2, No 2 (2019): Business Management Analysis Journal (BMAJ)
Publisher : Universitas Muria Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (343.496 KB) | DOI: 10.24176/bmaj.v2i2.3804

Abstract

This study aims to determine the effect of Return on Assets (ROA), Liquidity Funding Ratio (LFR), Non Performing Loan (NPL) and Capital Adequacy Ratio (CAR) on lending. The objects of this research are PT Bank Negara Indonesia (Persero) Tbk, PT Bank Rakyat Indonesia (Persero) Tbk, PT Bank Tabungan Negara (Persero) Tbk, and PT Bank Mandiri (Persero). This research was conducted during the period 2013 - 2017. The method of analysis used in this study is multiple linear regression. The results showed that ROA, LFR, and CAR were negatively related to lending. Whereas NPL has a positive effect on lending. The implication of the research results is that in order to increase lending, it must reduce ROA, LFR and CAR and increase the NPL value.
PENGARUH RETURN ON ASSETS (ROA) DAN PRICE EARNING RATIO (PER) TERHADAP HARGA SAHAM PADA PT MANDOM INDONESIA TBK PERIODE 2010-2019 Fadli, Achmad Agus Yasin; Suraya, Amthy
JAB (Jurnal Akuntansi & Bisnis) Vol 7, No 01 (2021): Vol. 7, No. 01 JUNI 2021
Publisher : JAB (Jurnal Akuntansi & Bisnis)

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

Abstract

This study aims to determine the factors that influence the share price of PT Mandom Indonesia Tbk. period 2010-2019. The variables in this study use two variables, namely the dependent variable (y) in this study the stock price. For the independent variable (x) in this study, the Retrun On Asset (x1) and Price Earning Ratio (x2). This research uses quantitative methods. The data used in this study are secondary data with 10 data samples from 2010-2019. Data collection was taken using documentation techniques sourced from the official website of PT Mandom Indonesia Tbk and the Indonesia Stock Exchange. The data that has been obtained, processed and analyzed so as to obtain a systematic picture and can be drawn conclusions. T test results for ROA tcount = 2.337 while ttable = 2.30600. So that tcount ≥ ttable with a significance of 0.049 ≤ 0.05 means that the Return on Assets (ROA) has a positive positive effect on stock prices. T test results for PER Tcount = 3.089 while Ttable = 2.36462. So tcount H ttable with a significance of 0.018 ≤ 0.05 means that the Price Earning Ratio (PER) has a significant effect on stock prices. For the F test obtained Fcount = 4,870 while Ftable = 4,46. So that the Fcount ≤ Ftable with a significant value of 0.047 ≤ 0.05 means that the Return On Assets (ROA) and Price Earning Ratio (PER) simultaneously have a significant effect on stock prices. In addition, it can be seen from the coefficient of determination (R Square) of 0.582, the value is equal to 58.2%, which means the variable Retrun On Asset (ROA) and Price Earning Ratio (PER) gives an effect of 58.2% and the remaining 41, 8% were influenced by other variables.Keyword: return on asset (ROA), price earning ratio (PER), stock prices
Pengaruh Debt to Equity Ratio (Der) dan Debt to Asset Ratio (Dar) terhadap Harga Saham pada Pt. Solusi Tunas Pratama Tahun 2015-2022 Salsabila, Sonia Putri; Fadli, Achmad Agus Yasin
Jurnal Ilmiah PERKUSI Vol. 4 No. 2 (2024): PERKUSI
Publisher : Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/j.perkusi.v4i2.39697

Abstract

Penelitian ini bertujuan untuk mengetahui Harga Saham pada PT.Solusi Tunas Pratama terkait dengan Debt to Equity Ratio (DER), Debt Asset Ratio (DAR) tahun 2015-2022 (dalam %) Dalam penyusunan skripsi ini penelitian yang dilakukan penulis bersifat deskriptif dengan pendekatan kuantitatif. Pengaruh Debt to Equity Ratio, Debt to Asset Ratio terhadap Harga Saham Dalam melakukan penelitian mengenai apakah ada pengaruh secara simultan dari variabel independen dan dependen,maka dari itu penelitian ini menggunakan Uji-F. Berdasarkan dari penelitian diatas Debt to Equity Ratio dan Debt to Asset Ratio berpengaruh terhadap Harga Saham. Dapat diketahui Fhitung lebih besar (12,494 > 5,14) dan nilai signifikan (0,011> 0,05). Debt to Equity Ratio (DER) berpengaruh tidak signifikan terhadap Harga Saham pada PT.Solusi Tunas Pratama periode 2015-2022. Debt to Equity Ratio (DER) memiliki t tabel sebesar 2,570 dan untuk t hitung sebesar 2,390 yang mana artinya thitung lebih kecil dar t tabel (2,390 < 2,570) dan untuk nilai Sig. DER lebih besar dari pada nilai probabilitas (0,062 > 0,05). Debt to Asset Ratio (DAR) berpengaruh tidak signifikan terhadap Harga Saham pada PT.Solusi Tunas Pratama periode 2015-2022. Debt to Asset Ratio (DAR) memiliki t hitung sebesar -3,157 dan t tabel sebesar 2,570. Yang berarti t hitung lebih besar dari t tabel (-3,157 > 2,570) dan nilai signifikasi DAR (0,025<0,05) Pengaruh bersama-sama (simultan) antara Debt to Equity Ratio (X1), Debt to Asset Ratio (X2),dan Harga Saham (Y), yaitu berpengaruh signifikan terhadap Harga Saham. Hasil dari Uji Simultan (Uji F) menyatakan bahwa F hitung 12,494 F tabel 5,14 dengan nilai Sig sebesar 0,011 > 0,05 maka dari hasil pengujian Ho ditolak dan Ha diterima.
Pengaruh Rasio Non Performing Loan (NPL) dan Loan to Deposit Ratio (LDR) Terhadap Return on Asset (ROA) pada PT Bank Negara Indonesia Tbk Periode 2014-2023 Azzahra, Nazla; Fadli, Achmad Agus Yasin
Journal of Management Accounting, Tax and Production Vol 2, No 2 (2024): September 2024
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/mantap.v2i2.3521

Abstract

Tujuan dari penelitian ini untuk mengetahui Non Performing Loan (NPL) berpengaruh terhadap Return On Asset (ROA), mengetahui Loan to Deposit Ratio (LDR) berpengaruh terhadap Return On Asset (ROA), mengetahui pengaruh Non Performing Loan (NPL) dan Loan to Deposit Ratio (LDR) secara simultan terhadap Return On Asset (ROA). Jenis dalam penelitian ini menggunakan data sekunder dan metode yang digunakan adalah metode deskriptif kuantitatif serta menggunakan analisis statistik. Populasi data yang digunakan dalam penelitian ini adalah seluruh laporan keuangan PT Bank Negara Indonesia, Tbk periode 2014 - 2023. Sementara sampel yang digunakan dalam penelitian ini adalah neraca dan laporan laba rugi. Pengolahan data yang digunakan dalam penelitian ini adalah SPSS Versi 22. Berdasarkan hasil penelitian hasil uji t antara Non Performing Loan (NPL) terhadap Return On Asset (ROA), maka diperoleh t tabel sebesar 2,306 jadi dapat disimpulkan bahwa t hitung t tabel yaitu -4,915 2,306 dengan nilai signifikan 0,002 0,05 yang artinya secara parsial Non Performing Loan (NPL) berpengaruh negatif terhadap Return On Asset (ROA). Sedangkan hasil uji t antara Loan to Deposit Ratio (LDR) terhadap Return On Asset (ROA), maka diperoleh t tabel sebesar 2,306 jadi dapat disimpulkan bahwa t hitung t tabel yaitu 0,010 2,306 dengan signifikan 0,992 0,05 yang artinya secara parsial Loan to Deposit Ratio (LDR) tidak berpengaruh terhadap Return On Asset (ROA). Dan hasil penelitian uji f yang diperoleh dari nilai f hitung sebesar 14,119 f-tabel sebesar 5,32 dengan nilai signifikan 0,003 0,05 yang artinya terdapat pengaruh Non Performing Loan (NPL) dan Loan to Deposit Ratio (LDR) secara simultan terhadap Return On Asset (ROA). Nilai Koefisien Determinasi menunjukkan bahwa Non Performing Loan (NPL) dan Loan to Deposit Ratio (LDR) dengan menjelaskan Return On Asset (ROA) sebesar 80,1% sedangkan sisanya 19,9% yang dipengaruhi oleh beberapa faktor lainnya yang tidak diteliti dalam penelitian ini.
Dampak Pemanfaatan Jasa Pegadaian terhadap Keuangan Masyarakat Berpenghasilan Rendah Dewi, Iriana Kusuma; Fadli, Achmad Agus Yasin; Karmiyati, Sari
AMANAH MENGABDI Vol. 2 No. 1 (2025): AMANAH MENGABDI
Publisher : YAYASAN PENDIDIKAN MULIA BUANA (YPMB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70451/pkm.v2i1.586

Abstract

Pegadaian sebagai lembaga keuangan non-bank memiliki peran strategis dalam menyediakan akses pembiayaan bagi masyarakat berpenghasilan rendah. Melalui sistem gadai, masyarakat dapat memperoleh dana tunai dengan cepat dengan menjaminkan barang berharga. Meskipun memberikan solusi finansial jangka pendek, pemanfaatan jasa pegadaian tanpa disertai literasi keuangan yang memadai dapat menimbulkan dampak negatif, seperti ketergantungan terhadap pinjaman, beban bunga yang tinggi, dan risiko kehilangan aset. Proposal Program Kemitraan Masyarakat (PKM) ini bertujuan untuk meningkatkan literasi keuangan masyarakat Desa Situ Gandung, Kabupaten Tangerang, melalui edukasi mengenai layanan pegadaian dan strategi pengelolaan pinjaman yang bijak. Kegiatan ini diharapkan mampu mengarahkan pemanfaatan dana pinjaman ke arah yang lebih produktif, memperkuat stabilitas keuangan rumah tangga, serta mengurangi ketergantungan masyarakat terhadap praktik pinjaman konsumtif. Metode pelaksanaan mencakup penyuluhan, pelatihan kewirausahaan, dan pendampingan penggunaan produk-produk pegadaian secara bijak, termasuk yang berbasis syariah. Luaran utama kegiatan ini adalah peningkatan pemahaman dan sikap masyarakat dalam memanfaatkan jasa keuangan secara optimal dan berkelanjutan
Pengaruh Profitabilitas (ROA) dan Leverage (DER) Terhadap Nilai Perusahaan (Tobin’s Q) dengan Corporate Social Responsibility (CSR) Sebagai Variabel Intervening Fadli, Achmad Agus Yasin
Disclosure: Journal of Accounting and Finance Vol. 2 No. 1 (2022)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/disclosure.v2i1.4531

Abstract

The aims of this research is to examine (1) the inluence of profitability to the CSR (2) the inluence of leverage to the CSR (3) the inluence of profitability to the firm value (4) the inluence of leverage to the firm value (5) the inluence of CSR to the firm value (6) the inluence of profitabiluty to the firm value through CSR (7) the inluence of leverage to the firm value through CSR the manufacturing companies listed on the Indonesia Stock Exchange 2014-2018. The number of samples in the study were 18 compenies obtained using the purposive sampling method based on predetermined criteria. The data used is secondary data in the form of annual report in the periode 2014-2019 taken from the site www.idx.co.id. The data analysis technique used is descriptive statistic, classic assumption tests, multiple regression analysis tests and path analysis. The result of research showed that (1) profitability have a positive and significant impact on CSR (2) leverage have a positive and significant impact on CSR (3) profitability have a positive and significant impact on firm value (4) leverage have a positive and significant impact on firm value (5) CSR have a positive and significant impact on firm value (6) profitability have not effect on firm value through CSR (7) leverage have not effect on firm value through CSR
The Effect Of Return On Equity, Debt To Equity Ratio, And Current Ratio On Profit Growth At Pt Tower Bersama Infrastructure Tbk Period 2015-2024 Wulandari, Syifa Tri; Fadli, Achmad Agus Yasin
Journal of Management, Economic, and Accounting Vol. 4 No. 2 (2025): Juli-Desember
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v4i2.920

Abstract

This study aims to determine the effect of Return On Equity, Debt to Equity Ratio, and Current Ratio on profit growth at PT Tower Bersama Infrastructure Tbk during the period 2015 to 2024. The analysis results show that the Adjusted R square value is 56.9% while the remaining 43.1% is influenced by other factors outside this research model. Partially, Return On Equity has no significant effect on earnings growth with a Tcount value of 2.207 < Ttable 2.447 and a significance of 0.069> 0.05. Debt to equity Ratio has a negative and significant effect on earnings growth with Tcount -3.464 > Ttable 2.447 and a significance value of 0.013 < 0.05. Current Ratio (CR) has no significant effect on earnings growth with Tcount 0.228 < Ttable 2.447 and significance 0.827 > 0.05. Together, the three independent variables have a significant effect on earnings growth, with an Fcount of 4.953> Ftable 4.76 and a significance value of 0.046 <0.05.
The Effect Of Current Ratio (CR) And Debt To Asset Ratio (DAR) On Return On Equity (ROE) At Pt Telkom Indonesia (TELKOM) Persero Tbk For The Period 2006 – 2024 Fadli, Achmad Agus Yasin; Rahman, Fitria Annisa
Journal of Management, Economic, and Accounting Vol. 4 No. 2 (2025): Juli-Desember
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v4i2.932

Abstract

This research aims to determine the effect of Current Ratio (CR) and Debt to Asset Ratio (DAR) on Return On Equity (ROE) both partially and simultaneously at PT Telkom Indonesia (Telkom) Persero Tbk. The research method used is a quantitative method. The population in this study is all annual financial reports of PT Telkom Indonesia (Telkom) Persero Tbk. The sample used in this study is the financial position report and income statement from 2006 to 2024. The data analysis techniques used are descriptive analysis, classical assumption test, determination coefficient test, multiple linear regression analysis, and hypothesis test. The results of this study indicate that partially the Current Ratio (CR) variable has no effect and is not significant on Return On Equity (ROE) at PT Telkom Indonesia Tbk. While partially the Debt to Asset Ratio (DAR) variable has an effect on Return On Equity (ROE). Current Ratio (CR) and Debt to Asset Ratio (DAR) together do not have a significant effect on Return On Equity (ROE) at PT Telkom Indonesia Tbk. for the period 2006 – 2024.
The Effect Of Net Profit Margin (NPM), Price Earning Ratio (PER), And Earning Per Share (EPS) On Stock Prices In The Property And Real Estate Sector Listed On The Indonesia Stock Exchange For The Period 2015-2024 Syawalia, Tasya; Fadli, Achmad Agus Yasin
Journal of Management, Economic, and Accounting Vol. 4 No. 2 (2025): Juli-Desember
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v4i2.937

Abstract

This study aims to determine whether there is an influence between Net Profit Margin (NPM), Price Earning Ratio (PER), and Earning Per Share (EPS) partially and simultaneously on Stock Prices in the property and real estate sector in 2015-2024. This type of research is associative with quantitative methods using the SPSS version 25 application. Based on the results of the study, it was found that partially (t test), the Net Profit Margin (NPM) variable with Thitung -4.080 < 2.028 Ttable with a significance level of 0 < 0.05 indicates that Net Profit Margin (NPM) has a significant effect on Stock Prices. At the Price Earning Ratio (PER) with Thitung 2,143> 2,028 Ttable with a significance level of 0 < 0.05 indicates that the Price Earning Ratio (PER) has a significant effect on Stock Prices. Meanwhile, Earning Per Share (EPS) with Thitung 4,325> 2,028 Ttable with a significance level of 0 < 0.05 indicates that Earning Per Share (EPS) has a significant effect on Stock Price. Based on the results of the simultaneous significance test (F test), the results obtained Fcount 8.986> Ftable 2.87 with a significance level of 0 <0.05 that Net Profit Margin (NPM), Price Earning Ratio (PER), and Earning Per Share (EPS) together have a significant effect on stock prices in property and real estate sector companies listed on the Indonesia Stock Exchange for the period 2015-2024.
The Influence Of Current Ratio (Cr) And Total Asset Turnover (Tato) On Return On Asset (Roa) At Pt Astra International Tbk For The Period 2009-2024 Nurmayanti, Fika; Fadli, Achmad Agus Yasin
Jurnal Fokus Manajemen Vol 5 No 3 (2025): Agustus
Publisher : LPPJPHKI Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jfm.v5i3.9279

Abstract

This study aims to analyze the influence of the Current Ratio (CR) and Total Asset Turnover (TATO) on Return on Assets (ROA) at PT Astra International Tbk during the period 2009–2024. The research employs a quantitative approach using multiple linear regression analysis, along with t-tests and F-tests to assess the partial and simultaneous effects of the independent variables on the dependent variable. The findings indicate that, partially, the Current Ratio does not have a significant effect on ROA, with a t-value of 0.745 and a significance level of 0.470 (> 0.05). Conversely, Total Asset Turnover has a significant positive effect on ROA, evidenced by a t-value of 5.198 and a significance level of 0.000 (< 0.05). Simultaneously, both CR and TATO significantly influence ROA, as demonstrated by an F-value of 14.345 and a significance level of 0.001 (< 0.05).