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ANALISIS TINGKAT KESEHATAN BANK DENGAN METODE CAMELS DAN RGEC PADA BANK RAKYAT INDONESIA AGRONIAGA PERIODE 2007 - 2016 RATTIE PRAMESWARI; Henrycus Winarto Santoso; Bambang Budiarto
CALYPTRA Vol. 7 No. 2 (2019): Calyptra : Jurnal Ilmiah Mahasiswa Universitas Surabaya (Maret)
Publisher : Perpustakaan Universitas Surabaya

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Abstract

Competition of the band world increasingly tight. Every business that is required to have a health level in accordance with the standards set by Bank Indonesia. Assessment of soundness of commercial banks by CAMELS and RGEC method.This study aims to compare the health of PT. BRI Agroniaga Tbk period 2007 - 2016 using this second method. This research is descriptive research with quantitative approach, using the ratio ofCAR, ROA, ROE, NIM, BOPO, and LDR. Testing is done by descriptive statistical test. With ɑ = 5% found no significant difference in Bank Rating.
ANALISIS PENGARUH KREDIT BERMASALAH TERHADAP RETURN ON ASSETDI BANK BCA PERIODE 1999-2015 Aisyah Ratna Pertiwi; Henrycus Winarto Santoso; Bambang Budiarto
CALYPTRA Vol. 7 No. 2 (2019): Calyptra : Jurnal Ilmiah Mahasiswa Universitas Surabaya (Maret)
Publisher : Perpustakaan Universitas Surabaya

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Abstract

Bank lending has the risk of having a chance of non performing loan .If non performing loan is high, it will affect the profiability (Return On Asset) banking. This study aims to examine the influence of non performing loans on profitability (Return On Asset) at BCA bank period 1999-2015. This type of research is one-way causality in which the independent variable (non-performing loan) that affects the dependent variable (return on asset). The analysis technique used is simple linear regression with small squares equation and hypothesis test using t-statistic to test partial regression coefficient with 5% significance level. From the results of analysis testing shows the magnitude of NPL to ROA is 84.9%, while the rest is influenced by other factors not included in this research model. From result of t test can be concluded, that Non Performing Loan (NPL) have negative significant influence to Return On Assets (ROA).
PERAN ASET DAN PROSES DALAM PEMBENTUKAN KINERJA DAYA SAING UKM SEPATU DI SURABAYA Andhy Setyawan; Henrycus Winarto Santoso
Kompetensi (Competence : Journal of Management Studies) Vol 10, No 1 (2016): APRIL
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (437.508 KB) | DOI: 10.21107/kompetensi.v10i1.3419

Abstract

Small and medium enterprises (SMEs) have an important role and strategic development. A healthy growth of SMEs will be a competitive advantage for developing countries to be able to survive and move forward in the competitive dynamics in the era of globalization. This study aims to examine the performance of the competitiveness of SMEs shoes on the Surabaya region through Asset approach - Process - Performance (APK). Based on the results of the regression analysis, found that the positive effect of SME assets in process, and the process is also a positive effect on performance.
Technical Inefficiency in Nine Clusters of Indonesian Manufacturing Firms And its Determinants: Stochastic Frontier Analysis Theresya Jeini Astanto; Suyanto - Suyanto; Henrycus Winarto Santoso; Ruhul Salim
Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan Vol 23, No 2 (2022): JEP 2022
Publisher : Muhammadiyah University Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jep.v23i2.18113

Abstract

The current study examines the technical inefficiency of Indonesian manufacturing firms and its key determinants. Extending the previous research that mainly focuses on firms in a specific industry, the current study groups firms into nine industrial clusters and estimates them separately to find a variety of results among the clusters. The stochastic frontier analysis (SFA) method is applied to estimate the inefficiency score and the key determinants of 5,848 firms for five years (29,240 total observations). Data period ended in 2014 due to the substantial change in the classification code of the manufacturing industry in the survey by the Indonesian Central Board of Statistics. Five notable findings are recorded. First, the average efficiency score of all observed firms is 0.8815. Second, firm size is found to have a negative effect on inefficiency in the sample of all firms and three out of nine clusters (ISIC 34, ISIC 35, and ISIC 37). Third, foreign ownership generates a negative contribution to firms’ technical inefficiency in both the sample of all firms and the sample of each nine industrial clusters. Fourth, export orientation has various effects on firms across nine industrial clusters, with a dominant significant negative impact in paper and paper product industry (ISIC 34) and metal product industry (ISIC 38). Finally, import intensity provides a significant negative impact on firms in most industrial clusters. These findings support the argument on the importance of absorption capacity and unique firm characteristics in analyzing the impact of key determinants of technical inefficiency.
AKURASI DATA REMITANSI DI TINGKAT GLOBAL Henrycus Winarto Santoso; Irza Meingindra; Firman Rosjadi Djoemadi
Jurnal Ekonomi dan Bisnis Vol. 19 No. 2 (2015): Ekonomi dan Bisnis: Berkala Publikasi Gagasan Konseptual, Hasil Penelitian, Ka
Publisher : Jurusan Ilmu Ekonomi Prodi Ekonomi Pembangunan Fakultas Bisnis dan Ekonomika Universitas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (431.576 KB) | DOI: 10.24123/jeb.v19i2.1588

Abstract

Remitansi internasional menjadi salah satu pusat perhatian kebijakan karena selain jumlahnya yang besar , remitansi internasional juga mampu menghasilkan kemanfaatan langsung pada penerimanya yang sebagian besar berada di dunia berkembang. Dengan demikian data remitansi yang akurat sangat diperlukan oleh suatu negara dalam menyusun kebijakan pembangunan baik dalam level mikro, level meso, maupun pada level makro. Melalui kajian literatur diperoleh temuan bahwa data remitansi nasional berpotensi tidak akurat,selain itu sebagai akibat penggunaan definisi dan metode perhitungan yang belum tentu sama antar negara maka hal ini memunculkan masalah bukan hanya dalam hal keterbandingan data remitansi antar negara namun juga dalam hal agregasi data remitansi seperti halnya remitansi di tingkat global .
ANALISIS KINERJA KEUANGAN BANK SEBELUM DAN SETELAH MERGER-AKUISISI DI INDONESIA PERIODE 2000-2011 Marcelia Stephanie Adriaans; Henrycus Winarto; Eko Walujo Suwardyono
Jurnal Ekonomi dan Bisnis Vol. 20 No. 1 (2015): Ekonomi dan Bisnis: Berkala Publikasi Gagasan Konseptual, Hasil Penelitian, Ka
Publisher : Jurusan Ilmu Ekonomi Prodi Ekonomi Pembangunan Fakultas Bisnis dan Ekonomika Universitas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (374.813 KB) | DOI: 10.24123/jeb.v20i1.1595

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Globalization makes technology and information more developing. Along the development of the technology and information, business environment is being dynamic and can change so fast. In the banking sektor, to face dynamic business environment, the Bank needs to evaluation and correction the performance of the company so that the bank can survive in competition. Strategy bank to stay survive is merge, merger or acquisition.Indonesia in 2000-2011 there was 19 cases of merge. This study will be researched the bank's financial performance before and after the merger / acquisition and will be measured using CAMELS ratio. And to know the bank's financial performance, the CAMELS ratio will tested using Paired Samples Test. Result of study show that that after merger on  = 5% only LDR which have significant differences, but the other ratios no significant differences in financial performance of banks. So there is no positive improvement in the financial performance of the bank in Indonesia after merger/acquisition.
PERINGKAT KINERJA KEUANGAN PADA PERUSAHAAN GO PUBLIK INDUSTRI MANUFAKTUR YANG TERCATAT PADA BURSA EFEK INDONESIA DENGAN MENGGUNAKAN Z-SCORE ALTMAN MODEL PERIODE 2010-2012 Christian Hendrawardhana; Henrycus Winarto; Bambang Budiarto
Jurnal Ekonomi dan Bisnis Vol. 18 No. 2 (2013): Ekonomi dan Bisnis: Berkala Publikasi Gagasan Konseptual, Hasil Penelitian, Ka
Publisher : Jurusan Ilmu Ekonomi Prodi Ekonomi Pembangunan Fakultas Bisnis dan Ekonomika Universitas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (788.479 KB) | DOI: 10.24123/jeb.v18i2.1628

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Indonesia is a country that includes emerging markets and focused on the manufacturing sector. In the manufacturing sector will require funds on production activities, and these funds can be obtained from the credit. Meanwhile in Indonesia, many credit activity conducted by commercial banks, which is closely linked to the credit of bad credit. Bad credit can occur due to 2 factors, factors debtor or creditor factors. The meaning of this factor is negligence bank creditors in the debtor's credit analysis. But for manufacturing companies go public, they can raise funds in addition to the credit of the fund shares, many people who say that companies going public is a healthy company because it has passed various tests. Seeing this, the researchers would like to examine the statement and credit analysis test using the Z-Score models Atlman on manufacturing companies going public in Indonesia. The findings of this study indicate that the Z-Score Atlman models can be used for credit analysis in determining whether or not a company bankrupt.
PENGARUH KUALITAS LAYANAN TERHADAP PERSEPSI CUSTOMER SERVICES BCA DARMO SURABAYA Yoshinta Ayuwandani; Henrycus Winarto; Bambang Budiarto
Jurnal Ekonomi dan Bisnis Vol. 25 No. 1 (2021): Ekonomi dan Bisnis: Berkala Publikasi Gagasan Konseptual, Hasil Penelitian, Ka
Publisher : Jurusan Ilmu Ekonomi Prodi Ekonomi Pembangunan Fakultas Bisnis dan Ekonomika Universitas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (167.525 KB) | DOI: 10.24123/jeb.v25i1.4767

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Penelitian ini membahas tentang Pengaruh Dimensi Service Quality (Tangible, Reliability, Assurance, Responsiveness dan Emphaty) Pada Customer Service Bank BCA KCU Darmo Surabaya Terhadap Persepsi Nasabah Tahun 2019. Adakah pengaruh dimensi SERVQUAL pada Customer Service bank BCA KCU Darmo Surabaya terhadap persepsi nasabah. Data yang digunakan dalam penelitian ini diperoleh dari hasil kuesioner yang telah dibagikan kepada nasabah bank BCA KCU Darmo Surabaya. Metode yang digunakan dalam penelitian ini adalah metode kuantitatif. Probability sampling adalah teknik pengambilan sampel yang memberikan peluang yang sama bagi setiap unsur (anggota) populasi untuk dipilih menjadi sampel dalam penelitian ini. Jenis probability sampling yang digunakan dalam pengambilan sampel pada penelitian ini adalah simple random sampling. Karena didalam penelitian ini tidak membedakan gender, ras, status sosial, pekerjaan dan lain sebagainya. Variabel yang digunakan dalam penelitian ini adalah persepsi nasabah sebagai variabel dependen (Y) dan Service Quality sebagai variabel independen (X). Kemudian, dimensi SERVQUAL yang terdiri dari (tangibles) (X1), (reliability) (X2), (assurance) (X3), (responsiveness) (X4), dan (emphaty) (X5). Hasil dari penelitian ini diperoleh bahwa dimensi SERVQUAL yang terdiri dari Tangible, Reliability, Assurance, Responsiveness dan Emphaty pada Customer Service bank BCA KCU Darmo Surabaya mempunyai pengaruh yang signifikan terhadap persepsi nasabah. Dan faktor yang paling dominan adalah variabel emphaty.
The impact of macroeconomic variables on investment strategies and corporate growth in developing economies Rinda Fithriyana; Henrycus Winarto Santoso; Gregorius Paulus Tahu; Loso Judijanto; Dita Rosyalita
Lentera Negeri Vol. 7 No. 1 (2026): Lentera Negeri
Publisher : Indonesian Institute For Counseling, Education and Therapy

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29210/991990

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This study examines the impact of macroeconomic variables on investment strategies and corporate growth in developing economies through a library research approach. The research focuses on the influence of key macroeconomic indicators, including inflation rates, interest rates, exchange rates, and economic growth, on corporate investment decision-making and firm performance. Data were collected from relevant books, academic journals, research reports, and scientific publications and analyzed using content analysis techniques. The findings reveal that macroeconomic conditions significantly affect firms’ investment behavior by influencing capital costs, expected returns, and business uncertainty. Economic growth and macroeconomic stability encourage investment activities and support corporate expansion, while high inflation, rising interest rates, and exchange rate volatility tend to hinder investment and reduce growth opportunities. The study also finds that firms often adjust or postpone investment decisions during periods of economic uncertainty. Overall, the research highlights the importance of stable macroeconomic environments and adaptive investment strategies in promoting sustainable corporate growth and long-term economic development in developing economies.
Pendampingan Tata Kelola Simpan Pinjam PKK RW 03 Kendalpecabean untuk Distribusi SHU Transparan dan Adil Henrycus Winarto Santoso; Siti Aminah; Helmi Muhammad; Lanny Kusuma Widjaja; Valerina Vivi Widyadana
Darma Abdi Karya Vol. 5 No. 1 (2026): Darma Abdi Karya: Jurnal Pengabdian Kepada Masyarakat
Publisher : LPPM POLITEKNIK LP3I

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38204/darmaabdikarya.v5i1.2977

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Kelompok Simpan Pinjam PKK RW 03 Desa Kendalpecabean, Sidoarjo, memiliki peran penting dalam menyediakan layanan keuangan berbasis masyarakat bagi 215 kepala keluarga. Namun demikian, praktik pelaporan keuangan yang dijalankan masih belum sepenuhnya transparan, dan mekanisme pembagian Sisa Hasil Usaha (SHU) yang berlaku belum mencerminkan tingkat partisipasi ekonomi masing-masing anggota secara memadai. Untuk menjawab permasalahan tersebut, tim pengabdian kepada masyarakat menerapkan pendekatan partisipatif guna memperkuat tata kelola keuangan kelompok simpan pinjam. Kegiatan yang berlangsung selama satu hari ini melibatkan 53 peserta yang terdiri atas 7 orang pengurus dan 46 orang anggota. Pelaksanaan program difokuskan pada tiga kegiatan utama, yaitu sosialisasi prinsip-prinsip tata kelola keuangan, pelatihan perhitungan SHU, serta pendampingan praktik penerapan sistem pencatatan keuangan menggunakan spreadsheet sederhana. Evaluasi program menggunakan metode Outcome Evaluation dengan fokus pada perubahan riil yang terjadi pada mitra setelah dilakukan intervensi. Hasil evaluasi menunjukkan adanya peningkatan pemahaman peserta mengenai pengelolaan SHU serta pentingnya penggunaan sistem pembukuan berbasis spreadsheet. Peserta juga mampu menerapkan sistem pencatatan yang baru dan menyepakati revisi mekanisme distribusi SHU menjadi berdasarkan tingkat partisipasi ekonomi anggota. Distribusi SHU yang baru mendukung pembentukan dana cadangan, dana sosial, dan insentif bagi pengurus. Penerapan pembukuan berbasis spreadsheet selain memberikan kemudahan juga memungkinkan keterlacakan informasi keuangan bagi anggota kelompok.Sebagai upaya menjaga keberlanjutan program, beberapa anggota dipersiapkan untuk mengoperasikan sistem pembukuan secara mandiri. Secara keseluruhan, kegiatan ini berkontribusi pada perbaikan praktik tata kelola keuangan, khususnya dalam pengelolaan pencatatan keuangan dan mekanisme distribusi SHU. Perubahan yang telah dicapai diharapkan dapat memperkuat keberlanjutan kelompok simpan pinjam PKK di masa mendatang.