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All Journal Jurnal Riset Perbankan, Manajemen dan Akuntansi International Journal of Scientific Multidisciplinary Research (IJSMR) J-CEKI
Eduardus Suharto
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Mechanical Engineering Social Sciences

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Strategi Penanganan Non-Performance Loan pada PT PNM di Masa Pandemi Hanhan Priatna Priatna; Eduardus Suharto
Jurnal Riset Perbankan Manajemen dan Akuntansi Vol 7 No 2 (2023): Jurnal Riset Perbankan, Manajemen dan Akuntansi
Publisher : Sekolah Pascasarjana Perbanas Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56174/jrpma.v7i2.160

Abstract

The study of non-performing loans (NPL) to non-bank financial institutions (NBFIs) is very crucial for various stakeholders. The purpose of this study was to determine the effect of restructuring, Write-off, Outstanding, and Portfolio at Risk (PAR) during the Covid-19 Pandemic on NPL at Permodalan Nasional Madani (PNM). The research analyzed data from January 2020 to March 2022 at three branches of PT PNM, using 81 observational data points. The study employed descriptive analysis to describe the collected data and utilized the multiple linear regression approach, with EViews application, to determine the impact of multiple independent variables on the dependent variable. Restructuring negatively impacts NPL but has positive implications. The implementation of restructuring at PT PNM during the Covid-19 Pandemic led to a decrease in NPL. A decrease in outstanding loans also negatively affects NPL, reducing the risk of NPL at PT PNM during the pandemic. Write-offs have a negative effect on NPL but beneficial implications, as they help control NPL at PT PNM during the Covid-19 Pandemic. Portfolio at Risk (PAR) has a positive effect on NPL, indicating an undesirable condition. Ideally, PAR should have a negative effect on NPL, but PT PNM still faced challenges in managing NPLs and PAR during the pandemic. The research novelty expected from this study is the finding of consideration of different characteristics, regulatory frameworks, and NPL risk profiles in NBFIs compared to conventional banks.
The Influence of Corporate Image and Service Quality on Customer Loyalty through Customer Satisfaction at PNM Ambon Branch Devan Simatauw; Eduardus Suharto
International Journal of Scientific Multidisciplinary Research Vol. 2 No. 12 (2024): December 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijsmr.v2i12.13107

Abstract

This research is used to analyze the influence of corporate image on customer loyalty, influence of service quality on customer loyalty, influence of corporate image on customer satisfaction, influence of service quality on customer satisfaction, influence of customer satisfaction on customer loyalty, influence of corporate image on customer loyalty through customer satisfaction, and influence of service quality on customer loyalty through customer satisfaction. This research uses a quantitative method, through questionnaires distributed to 88 respondents measured on a Likert scale processed using SmartPLS. The results of this study are that the company image does not have a positive and significant effect on customer loyalty, service quality does not have a positive and significant effect on customer loyalty, the company image has a positive and significant effect on customer satisfaction, service quality has a positive and significant effect on customer satisfaction, customer satisfaction has a positive and significant effect on customer loyalty, the company image on customer loyalty through customer satisfaction has a positive and significant effect, service quality on customer loyalty through customer satisfaction has a positive and significant effect
Pengaruh Profitabilitas, Likuiditas dan Ukuran Perusahaan Terhadap Nilai Perusahaan dengan Inflasi Sebagai Variabel Moderating Pada Perusahaan Properti di BEI Periode 2020-2024 Linda Yulianti; Eduardus Suharto
J-CEKI : Jurnal Cendekia Ilmiah Vol. 4 No. 3: April 2025
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v4i3.8042

Abstract

Sektor properti, yang mengalami dampak signifikan akibat pandemi COVID-19, menghadapi tantangan dalam mempertahankan nilai perusahaan di tengah ketidakpastian ekonomi dan fluktuasi inflasi. Setelah masa pandemi, perubahan kondisi ekonomi, seperti tingkat inflasi yang lebih tinggi dan pemulihan bertahap dalam daya beli masyarakat, menjadi faktor yang memengaruhi kinerja perusahaan secara keseluruhan. Dalam konteks ini, profitabilitas, likuiditas, dan ukuran perusahaan menjadi elemen kunci yang dapat berdampak langsung pada persepsi pasar dan nilai perusahaan di mata investor. Penelitian ini bertujuan untuk menguji pengaruh profitabilitas (GPM, ROE, ROA), likuiditas (Cash Ratio), dan ukuran perusahaan terhadap nilai perusahaan pada sektor properti yang terdaftar di BEI selama periode 2020-2023, dengan inflasi sebagai variabel moderasi. Menggunakan pendekatan kuantitatif, penelitian ini melibatkan 27 perusahaan dan dianalisis dengan regresi data panel. Hasil menunjukkan bahwa GPM, ROE, ROA, dan Cash Ratio berpengaruh signifikan terhadap nilai perusahaan yang diukur dengan PBV. Selain itu, inflasi memoderasi hubungan antara NPM, ROE, dan ROA dengan nilai perusahaan. Temuan ini memberikan wawasan bagi manajemen perusahaan properti dalam memperhatikan faktor profitabilitas dan likuiditas, serta mempertimbangkan dampak inflasi dalam upaya meningkatkan nilai perusahaan.
Co-Authors Devan Simatauw Hanhan Priatna Priatna Linda Yulianti