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Optimalisasi Minat Baca untuk Meningkatkan Literasi Keuangan Siswa MTsN Binjai Sri Wanti Nasution; Arini Vika Sari; Dwi Pertiwi Anggraini
Jurnal Pengabdian Masyarakat Bangsa Vol. 1 No. 6 (2023): Agustus
Publisher : Amirul Bangun Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59837/jpmba.v1i6.253

Abstract

Minat membaca pada siswa di MTsN Binjai perlu untuk ditingkatkan lagi, pengabdian ini bertujuan untuk mengoptimalkan minat baca siswa dalam meningkatkan literasi keuangan siswa MTsN Binjai. Dengan menggunakan metode tatap muka, langkah pelaksanaan kegiatan terdiri dari survei awal dengan wawancara, sosialisai minat baca terhadap literasi keuangan, setelah itu evaluasi dan terminasi. Hasil pengabdian ini menunjukkan bahwa perpustakaan berperan dalam pelaksanaan minat baca untuk meningkatkan literasi keuangan siswa. Hasil dari pengabdian ini adalah penerapaan pembiasaan membaca mampu mempengaruhi dan mengembangkan budaya membaca bagi siswa jika terdapat sinergi yang baik di lingkungan sekolah dan siswa mampu mengelola keuangannya dengan baik karena telah memahami mengenai pengelolaan keuangan
The Effect of Current Ratio, Debt to Equity Ratio, and Return on Assets on Financial Distress Amin Hou; Sabaruddin Chaniago; Sri Kawuri; Tyus Windi Ayuni; Dwi Pertiwi Anggraini
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 6 (2025): JIMKES Edisi November 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i6.4155

Abstract

The banking sector is a key driver of economic growth and financial stability, but it remains exposed to various risks that can lead to financial distress. Early detection using financial ratio analysis is therefore essential to strengthen resilience and protect stakeholder confidence. This study aims to examine the impact of financial ratios on financial distress. This study analyzes the current ratio, debt to equity ratio, and return on assets. The employed study methodology is a quantitative technique utilizing secondary data obtained from financial reports. Data were evaluated by multiple linear regression to ascertain both partial and simultaneous impacts of financial ratios on financial hardship. The findings indicate that current ratio, debt equity ratio, and return on assets significantly influence financial strain to some extent. Concurrent testing indicates that the three independent factors collectively exert a significant impact on financial hardship, with a determination coefficient of 75.9%. These findings affirm that effective management of liquidity, debt composition, and profitability is essential in mitigating the risk of financial distress within the banking industry. Practically, banks should actively manage liquidity, debt, and profitability to prevent financial distress.