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Dampak Pandemi Covid 19 Terhadap Kinerja Keuangan Bank Umum di Indonesia Seger Santoso; Farah Qalbia; Benardi Benardi
ASSET: Jurnal Manajemen dan Bisnis Vol 6, No 1 (2023): Juni
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/asset.v6i1.7133

Abstract

Penelitian ini bertujuan untuk mengetahui perbandingan kinerja keuangan pada bank umum sebelum dan saat pandemi covid 19 dengan indikator terdiri dari CAR (Capital Asset Ratio), ROA (Return On Assets), Modal Inti, BOPO (Biaya Operasional terhadap Pendapatan Operasional), NIM (Net Interest Margin Ratio), LDR (Loan to Deposit Ratio) dan LTA (Liquid Assets Ratio). Metode penelitian yang digunakan adalah metode kuantitatif dengan pendekatan komparatif. Data yang digunakan adalah data sekunder yang diperoleh dari laporan keuangan tahunan sektor perbankan yang terdaftar di Bursa Efek Indonesia periode sebelum dan saat terjadi pandemi covid 19. Teknik analisis yang dilakukan adalah uji beda yaitu uji Paired T- Test dan uji Wilcoxon, dengan pengolahan data dibantu software SPSS 26. Hasil penelitian menunjukkan bahwa tidak terdapat perbedaan yang signifikan pada semua indikator kinerja keuangan bank umum sebelum dan selama pandemi covid 19 yaitu CAR (Capital Asset Ratio), ROA (Return On Assets), Modal Inti (CCRA), BOPO (Biaya Operasional terhadap Pendapatan Operasional), NIM (Net Interest Margin Ratio), dan LTA (Liquid Assets Ratio) kecuali pada nilai LDR (Loan to Deposit Ratio) menunjukkan perbedaan yang signifikan. 
Inovasi Strategi Pemasaran Berbasis Digital untuk Meningkatkan Daya Saing Perusahaan Grace Yulianti; Sigit Pramono; Seger Santoso
EKONOMIKA45 :  Jurnal Ilmiah Manajemen, Ekonomi Bisnis, Kewirausahaan Vol. 12 No. 2 (2025): Juni: Jurnal Ilmiah Manajemen, Ekonomi Bisnis, Kewirausahaan
Publisher : Fakultas Ekonomi Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/ekonomika45.v12i2.4135

Abstract

Digital transformation has encouraged companies to adopt innovation in digital-based marketing strategies to increase competitiveness in an increasingly competitive and dynamic business era. This study examines in depth the role of innovation in digital marketing strategies, including the use of search engine optimization (SEO), social media marketing, interactive content, and the use of data analytics in marketing decision making. The method used is a literature review approach by reviewing various previous studies to identify key elements of an effective and adaptive digital marketing strategy. The results of the study indicate that the application of innovative digital technology can expand market reach, increase operational efficiency, strengthen customer engagement, and create a more personal and valuable customer experience. These findings underline the importance of continuous innovation, technology adaptation, and rapid response to digital market trends. Thus, this study provides practical guidance for companies in designing relevant, competitive, and future-oriented digital marketing strategies.
Pengaruh ROA, ROE, dan DER terhadap Harga Saham Sektor Consumer Non-Cylicals yang Terdaftar di BEI Periode 2020-2023 Seger Santoso; Riza Elsiana
Master Manajemen Vol. 2 No. 2 (2024): Master Manajemen
Publisher : Fakultas Ekonomi & Bisnis, Universitas Nusa Nipa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59603/masman.v1i2.573

Abstract

The capital market serves as a forum for companies to obtain funds from investors, who in turn can benefit through dividends or stock price differences. The stock price itself is the value per share of a company traded on the stock exchange. This study aims to examine how Return on Assets, Return on Equity, and Debt to Equity Ratio relate to the stock prices of non-cyclical consumer sector companies on the Indonesia Stock Exchange from 2020 to 2023. The quantitative method with multiple linear regression was used to test this relationship using SPSS 25. Of the 47 companies taken as samples using purposive sampling method, this study found that Return on Assets and Debt to Equity Ratio have a negative impact on stock prices, while Return on Equity has a positive effect. Therefore, companies in this sector are advised to improve their Return on Assets and Return on Equity performance in order to increase their share price in the capital market.
Analisis Manajemen Proyek Santoso, Seger; Desianti, Retno
Studia Ekonomika Vol. 10 No. 1 (2012): Studia Ekonomika Volume 10 Nomor 1 Januari Tahun 2012
Publisher : STIE KASIH BANGSA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70142/studiaekonomika.v10i1.31

Abstract

Jumlah penduduk di Indonesia semakin hari semakin bertambah sehingga kebutuhan hidup semakin meningkat, salah satunya kebutuhan rumah tinggal. Hal ini menyebabkan semakin bertambahnya usaha bisnis di bidang properti seperti terlihat dengan adanya gedung perkantoran diberbagai wilayah, pembangunan apartemen, rumah susun, rumah KPR, rumah took (Ruko) dan rumah tinggal lainnya. Sehingga sebagian orang beranggapan bisnis di bidang ini sangat menjanjikan sebagai lahan investasi. Peran dari manajemen sangat penting dalam pengendalian internal. Manajemen adalah proses perencanaan, pengorganisasian, pengarahan, dan pengawasan usaha-usaha para anggota organisasi dan penggunaan sumber-sumber daya organisasi lainnya agar mencapai tujuan organisasi yang ditetapkan. Fugsi dari manajemen itu sendiri adalah merencanakan, mengorganisasikan, memimpin dan mengendalikan. Manajemen proyek merupakan hal yang harus diperhatikan sedangkan tujuan manajemen proyek harus mempertimbangkan kapan proyek dimulai dan kapan proyek dapat diakhiri dalam penjadwalan waktu yang tepat, sehingga proyek akan mempunyai nilai tambah (value added) dan nilai guna (value in use). Dalam penelitian ini sangat diperlukan adanya penambahanfungsi pengawasan produksi dan memperketat prosedur dalam otorisasi setiap dokumen yang terkait dalam kegiatan operasional perusahaan akan melindungi kekayaan, menjaga ketelitian dan kepercayaan data akuntansi, meningkatkan efisiensi dan efektivitas kegiatan juga mendorong dipatuhinya suatu kebijakan manajemen. Dengan demikian perusahaan akan terhindar dari adanya penyelewengan, kecurangan dan pemborosan serta masalah-masalah lain yang dapat menyebabkan kerugian bagi perusahaan.
Corporate Collaboration In Financing Schemes: Qualitative Analysis Of Risks And Benefits Of Financing To Group Companies With Shared Responsibility Grace Yulianti; Mohammad Chaidir; Seger Santoso
International Journal of Business Law, Business Ethic, Business Comunication & Green Economics Vol. 1 No. 4 (2024): Desember: International Journal of Business Law, Business Ethic, Business Commu
Publisher : LPPM STIE Kasih Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70142/ijbge.v1i4.258

Abstract

This study aims to analyze the risks and benefits of joint liability financing schemes for groups of companies through a qualitative literature review approach. This financing scheme offers solutions for companies facing capital constraints by enhancing access to credit through collective responsibility. The results of the review indicate that this scheme provides benefits such as increased financing opportunities, mitigation of default risks, and peer monitoring among group members. However, it also presents risks such as overinvestment and moral hazard, where company members may tend to make larger investments or neglect their obligations due to the protection of joint liability. Additionally, the effectiveness of the scheme heavily relies on the group structure, with smaller and more homogeneous groups having lower risks compared to larger and more heterogeneous ones. This study concludes that joint liability financing schemes can be an effective solution if these risks are well-managed through stringent oversight and fair financing policies.
The Balancing Act of Legal Investor Protection: A Literature Review on the Dual Role of Minority Shareholder and Creditor Safeguards in Corporate Investment Decisions A. Sigit Pramono Hadi; Seger Santoso; Mia Christy Patricia
International Journal of Business Law, Business Ethic, Business Comunication & Green Economics Vol. 2 No. 1 (2025): March: International Journal of Business Law, Business Ethic, Business Communic
Publisher : LPPM STIE Kasih Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70142/ijbge.v2i1.299

Abstract

This qualitative literature review examines the regulatory trade-off in legal investor protection, focusing on the dual role of minority shareholder and creditor protection in influencing firm investment decisions. The findings reveal that robust minority shareholder protection enhances equity market confidence and encourages long-term investments, while strong creditor rights reduce default risks but may limit managerial flexibility and risk-taking. The study highlights the contextual dynamics of these trade-offs across legal systems and market maturities, with developed markets benefiting from complementary protections and emerging markets facing prioritization challenges. This review underscores the importance of balanced legal frameworks tailored to specific economic and institutional contexts. Limitations include geographic bias, reliance on secondary data, and limited stakeholder focus. Future research should explore cross-country analyses and the role of technological advancements in corporate governance.
Implications Finance from Use of Weather Derivatives (Derivatives Weather) for Hedging : An Overview Literature about The impact to Cost Energy Company Loans Seger Santoso; Farah Qalbia
International Journal of Business Law, Business Ethic, Business Comunication & Green Economics Vol. 1 No. 1 (2024): March: International Journal of Business Law, Business Ethic, Busines Comunicat
Publisher : LPPM STIE Kasih Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70142/ijbge.v1i1.339

Abstract

This qualitative literature review explores the financial implications of using weather derivatives as a hedging tool to reduce borrowing costs for energy companies. By synthesizing existing studies, the review highlights that weather derivatives significantly lower borrowing costs, with an average reduction of 21 basis points in borrowing rates. This cost-saving effect is more pronounced for companies with higher systematic risk or less complex financial statements. The review also finds that hedging with weather derivatives enhances financial stability and reduces bankruptcy risk, leading to more favorable borrowing terms. Furthermore, the benefits extend to the public debt market, with hedging companies enjoying lower bond yield spreads. Despite making important contributions, the study acknowledges limitations, including reliance on published literature and the need for further empirical validation. Overall, the findings highlight the value of weather derivatives in financial risk management for energy companies.
The Impact of Patent Disclosure Quality on Sustainable Innovation: A Qualitative Review of the Role of Patent Examiners Benardi Benardi; Seger Santoso
International Journal of Business Law, Business Ethic, Business Comunication & Green Economics Vol. 2 No. 2 (2025): June: International Journal of Business Law, Business Ethic, Business Communica
Publisher : LPPM STIE Kasih Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70142/ijbge.v2i2.352

Abstract

This study aims to explore the influence of patent disclosure quality on sustainable innovation with a focus on the role of patent examiners. Through a qualitative literature review approach, this study analyzes previous studies that discuss the relationship between patent disclosure and sustainable innovation. The results show that high-quality patent disclosure can enhance collaboration between parties involved in the innovation process, as well as provide information needed for further technology development. The role of patent examiners is crucial in ensuring that the disclosure meets the required standards, thus supporting a more sustainable innovation process. Thus, this study underlines the importance of effective patent disclosure management and recommendations for policies that support sustainable innovation. These findings are expected to contribute to the understanding of the relationship between patent disclosure quality and sustainable innovation and encourage further research in this area