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All Journal International Journal of Public Budgeting, Accounting and Finance Jurnal Mantik JURPIKAT (Jurnal Pengabdian Kepada Masyarakat) Bisnis Net : Jurnal Ekonomi dan Bisnis International Journal of Applied Finance and Business Studies Jurnal Akuntansi, Keuangan dan Perpajakan
Novi Handayani Simbolon
Politeknik Negeri Medan, Indonesia
Computer Science & IT Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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ANALYSIS OF THE EFFECT OF CAPITAL RATIO, ASSET QUALITY, EARNING, LIQUIDITY, AND SENSITIVITY TO MARKET RISK ON BANKING FINANCIAL PERFORMANCE REGISTERED IN INDONESIA STOCK EXCHANGE Simbolon, Novi Handayani
International Journal of Public Budgeting, Accounting and Finance Vol 3 No 1 (2020): Journal of Public Budgeting, Accounting and Finance
Publisher : Asosiasi Dosen Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (452.881 KB)

Abstract

This research was conducted with the aim of testing and analysing the effect of Capital, Asset Quality, Earning, Liquidity, and Sensitivity To Market Risk ratios which are proxied by financial ratios of Capital Adequacy Ratio (CAR), Non-Performing Loans (NPL), Net Interest Margin (NIM), Operating Expenses Operating Income (OEOI or BOPO), Loan To Deposit Ratio (LDR), and Interest Rate Risk (IRR) on the financial performance of banks listed on the Indonesia Stock Exchange which is proxied by the financial ratio of Return on Assets (ROA). The population in this study were all banking companies listed on the Indonesia Stock Exchange in the period 2008 to 2018 of 22 banks and made the entire population a research sample, so that the number of observations in the study was 242 observations. Data is processed and tested through panel data regression using Eviews statistical test equipment. The results obtained in this study indicate that CAR, NPL, NIM, OEOI, LDR, and IRR simultaneously have a significant effect on ROA, whereas partially it is known that CAR and NIM have significant positive effect on ROA, NPL and OEOI significantly negative effect on ROA, LDR does not have a significant negative effect on ROA, and finally IRR has no significant positive effect on ROA.
Analisis Kinerja Keuangan Bank di Indonesia Sebelum dan Selama Pandemi Covid-19 dengan Menggunakan Rasio Keuangan (Studi Komparasi Bank BUMN dan Bank Swasta Konvensional) Yuni Siska Saragih; Anita Putri; Selfi Afriani Gultom; Novi Handayani Simbolon
Jurnal Akuntansi, Keuangan dan Perpajakan Vol. 6 No. 1 (2023): Edisi Februari
Publisher : Politeknik Negeri Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51510/jakp.v6i1.1082

Abstract

Financial performance is a measuring tool for assessing a company. The Covid-19 pandemic has resulted in many people experiencing difficulties and termination of employment. This has an impact on the economic sector which makes financing not smooth due to delinquent debtors. This study aims to determine the financial performance of banks before and during the Covid-19 pandemic conventional bank and to find out the financial performance of Bank BUMN or Conventional Private Bank that have the most impact on the Covid-19 pandemic as measured by using LDR, ROA, ROE, and CAR financial ratios. This type of research is quantitative research. The research data used are secondary data using the published financial reports of Bank BUMN or Conventional Private Bank for the period 2018 - 2020. This research uses a descriptive analysis method with financial ratio analysis and an Paired Sampels T Test. The results of this study indicate that there are significant differences in banking financial performance before conventional bank and during the Covid-19 pandemic. Meanwhile, the CAR financial ratio has no significant difference in banking financial performance before and during the Covid-19 pandemic. Banking financial performance during the Covid-19 pandemic had more of an Conventional Private Bank.  Abstrak Kinerja keuangan merupakan alat ukur untuk menilai perusahaan. Pandemi Covid-19 mengakibatkan banyak masyarakat yang mengalami kesulitan dan pemutusan hubungan kerja, hal ini berdampak pada sektor ekonomi yang membuat pembiayaan menjadi tidak lancar karena penunggakan debitur. Penelitian ini bertujuan untuk mengetahui kinerja keuangan perbankan sebelum dan selama pandemi Covid-19 bank konvensional dan mengetahui kinerja keuangan Bank BUMN atau Bank Swasta Konvensional yang paling berdampak terhadap pandemi Covid-19 yang diukur dengan mengggunakan rasio keuangan LDR, ROA, ROE, dan CAR. Jenis penelitian yang digunakan adalah penelitian kuantitatif. Data penelitian yang digunakan adalah data sekunder dengan menggunakan laporan keuangan publikasi bank BUMN atau bank swasta konvensional periode tahun 2018-2020. Penelitian ini menggunakan metode analisis deskriptif dengan analisis rasio keuangan dan uji beda untuk sampel berpasangan. Hasil penelitian ini menunjukkan bahwa terdapat perbedaan signifikan terhadap kinerja keuangan perbankan sebelum dan selama pandemi Covid-19 bank konvensional. Sedangkan, rasio keuangan CAR tidak terdapat perbedaan signifikan terhadap kinerja keuangan perbankan sebelum dan selama pandemi Covid-19. Kinerja keuangan perbankan selama pandemi Covid-19 lebih berdampak pada bank swasta konvensional.
The effect of digital banking trends on the growth of banking fee-based income Novi Handayani Simbolon
Jurnal Mantik Vol. 7 No. 3 (2023): November: Manajemen, Teknologi Informatika dan Komunikasi (Mantik)
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/mantik.v7i3.4298

Abstract

The development of information technology which is very significant in the current 4.0 revolution era is increasingly directing the creation of changes in consumption patterns in people's lives that are moving towards digital, thus encouraging the banking industry to accelerate the transformation into digital banks that are packaged and developed with the aim of providing fast and fully accessible services independently by customers while still prioritizing the principle of security over the confidentiality of personal data optimized through digital technology systems by issuing digital banking services. This study aims to determine the effect of digital banking trends on the growth of banking fee-based income in Indonesia through a quantitative data analysis process obtained through secondary data documentation techniques through the website of each bank which is then processed using the help of the Eviews 10 program through panel data regression tests. The population in this study were all Persero Banks in Indonesia for the period 2018 to 2022, totaling 5 banks. The sample selection was carried out using purposive sampling technique and it was found that only 4 banks met the criteria, so the number of observations in this study was 20 observations. Based on data processing, the research results state that both mobile banking services, payment gateway services, and QRIS services have a significant positive effect on the growth of fee-based income of Bank Persero in Indonesia for the period 2018 to 2022
Seminar Konsultasi Jurusan di SMA Nurul Iman Limau Manis Kecamatan Tanjung Morawa Kabupaten Deli Serdang Bersama Rahmadani Rahmadani; Novi Handayani Simbolon; Nurhaflah Soraya; Sondang Beatrix Siahaan; Khanti Listya
JURPIKAT (Jurnal Pengabdian Kepada Masyarakat) Vol 4 No 3 (2023)
Publisher : Politeknik Piksi Ganesha Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37339/jurpikat.v4i3.1444

Abstract

One effort to realize the quality of human resources is through education. In college, students are focused on one area that they are interested in and will later apply in the world of work. High school students who are about to graduate definitely want a good career for their future, giving rise to intense competition among students throughout Indonesia to be able to enter their favorite university and the major they dream of. Problems related to students' lack of knowledge about various departments in higher education are resolved through counseling or socialization methods using material presentation techniques and followed by discussion sessions. This activity was carried out in order to provide information to all Nurul Iman Limau Manis High School students who will continue their education to college. With this, they can find out the various specifications of majors which are the place where the student learning process takes place as well as the place where the mission and function of higher education are realized and can measure the abilities they have which can then be adjusted to the majors and universities of their interest.
ANALISIS BAURAN PEMASARAN 4P PADA DESTINASI WISATA DESA WISATA BAGOT KABUPATEN SAMOSIR Siahaan, Sondang Beatrix; Simbolon, Novi Handayani; Pasaribu, Ika Mary
Bisnis-Net Vol 7, No 1: JUNI 2024
Publisher : Universitas Dharmawangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46576/bn.v7i1.4533

Abstract

Marketing allows tourism destinations to attract attention and create attraction for potential tourists, create a positive image, and differentiate themselves from other destinations. Tourism has a strategic role in increasing the economic growth of a region, as well as providing a positive impact on local development. In this article, the object studied is the Bagot Tourism Village which is located in Samosir Regency. The aim of this research is to analyze the marketing mix (product, price, promotion, and place). This research aims to conduct an in-depth study of the marketing mix in Bagot Tourism Village, located in Samosir Regency, by analyzing the 4P marketing mix (products, prices, promotions, and places/distribution channels) in the Bagot Tourism Village. The research was conducted using descriptive qualitative analysis methods. Research data was collected by conducting observations in the Bagot Tourism Village and interviews with the head of the POKDARWIS (Kelompok Sadar Wisata) as the manager of the Bagot Tourism Village, as well as documentation studies. The research results show that Bagot Tourism Village as a tourism destination in Samosir Regency in marketing activities pays great attention to the 4Ps (product, price, promotion, and place) especially product, price, and place. There is still room to further improve promotions, especially through social media. Bagot Tourism Village not only sells products, but also plays an active role in introducing and preserving local culinary traditions. This provides significant added value and is one of the main competitive advantages of Bagot Tourism Village.
Optimalisasi Digital Life Skill dalam Pembuatan Laporan Keuangan Sederhana dan Teknik Branding pada UKM Keripik Pisang Manis di Desa Ara Condong, Kecamatan Stabat Kabupaten Langkat Khanti Listya; Muhammad Asrin Jazuli; Novi Handayani Simbolon; Fatma Dwi Jati
JURPIKAT (Jurnal Pengabdian Kepada Masyarakat) Vol. 6 No. 1 (2025)
Publisher : Politeknik Piksi Ganesha Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37339/jurpikat.v6i1.2068

Abstract

Mitra pada kegiatan penfabdian ini merupakan salah satu UKM agroindustri yang memiliki potensi ekonomi dan sosial di Kabupaten Langkat, yaitu UKM pengolahan keripik pisang. Mitra memberikan value added (nilai tambah) pada pisang lilin sehingga menjadi makanan yang diminati. Selain itu, mitra meningkatkan product domestic bruto (PDB) Kabupaten Langkat. Mitra menghadapi beberapa kendala yaitu kurangnya alat bantu produksi, branding, pemasaran, dan pengelolaan keuangan. Pengabdian ini bertujuan meningkatkan penjualan dan produktivitas mitra dengan mengoptimalisasikan kemampuan membuat laporan keuangan secara digital, menghitung harga pokok penjualan (HPP) secara spesifik, dan mengoptimalkan pemasaran mitra dengan memanfaatkan media sosial yang disertai dengan branding berupa merek, logo, dan identitas produk. Metode pelaksanaan yang dilakukan yaitu metode survei dan pemberian solusi terhadap permasalahan mitra berupa pelatihan pembuatan laporan keuangan, perhitungan HPP, branding, dan pembuatan media promosi melalui media sosial serta marketplace.
Integrating Risk Management Frameworks: Practical Steps to Mitigate Inherent Risks Simbolon, Novi Handayani; Jati, Fatma Dwi; Siahaan, Sondang Beatrix
Jurnal Akuntansi, Keuangan dan Perpajakan Vol. 7 No. 2 (2024): Edisi Agustus
Publisher : Politeknik Negeri Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51510/jakp.v7i2.1991

Abstract

Banking activities are currently growing very rapidly, both in the external environment and the internal banking environment. All of these activities meet with an uncertainty related to the probability of these activities being carried out successfully according to plan or not, so that various kinds of risks arise. The wider range of banking business activities will also be followed by the increasingly complex risks in banking activities. This research aims to analyze the implementation  of risk management to avoid or reduce the impact caused if the risk occurs through qualitative analysis. Descriptive qualitative research aims to describe the application of risk management to mitigate these risks in detail and in depth, so as to obtain an understanding of the context, meaning, and characteristics of the results of the analysis by collecting and analyzing data descriptively. Descriptive qualitative research focuses on an in-depth understanding of a problem without trying to test hypotheses or measure variables quantitatively.
Overcoming the challenges of ai adoption in banking sector: Security, regulation, and infrastructure Simbolon, Novi Handayani; Jati, Fatma Dwi; Siahaan, Sondang Beatrix
International Journal of Applied Finance and Business Studies Vol. 13 No. 1 (2025): June: Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v13i1.364

Abstract

The adoption of Artificial Intelligence (AI) in the banking sector has rapidly expanded, because bringing benefits in areas such as risk assesment, fraud detection, and personalized services. However, AI adoption faces significant challenges related to security, regulation, and infrastructure. While previous research has explored AI’s potential, there is a gap in comprehensive studies addresing these core challenges, particularly in emerging markets. This research aims to identify and analyze the main barriers to AI adoption in banking, focusing on security, regulatory issues, and infraastructure readiness. A systematic literature review was conducted, synthesizing findings from academic articles, banking reports, and regulatory guidelines published between 2020 and 2024. The result reveal that concerns over data security, inconsistent regulations, and insuffiecient infrastructure hinder AI’s full potential. The concludes of this research showed banks must prioritize cybersecurity, advocate for clearer regulations, and invest in digital infrastrcuture to ensure the secure AI adoption in banking activities.
Co-Authors Anita Putri Fatma Dwi Jati Gultom, Selfi Afriani Jati, Fatma Dwi Khanti Listya Muhammad Asrin Jazuli Nurhaflah Soraya Pasaribu, Ika Mary Rahmadani Rahmadani Siahaan, Sondang Beatrix Sondang Beatrix Siahaan Yuni Siska Saragih