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All Journal Jurnal Sinar Manajemen Jurnal Kolaboratif Sains International Journal of Health, Economics, and Social Sciences (IJHESS) Jurnal Kolaboratif Sains Sambulugana IECON: International Economics and Business Conference Atestasi : Jurnal Ilmiah Akuntansi
Guasmin
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Analisis Kinerja Keuangan Pada Pt. Bank Rakyat Indonesia TBK. Menggunakan Metode Risk Profile Good Corporate Governance Earning Capital Periode 2021-2023: Financial Performance Analysis at PT. Bank Rakyat Indonesia Tbk. Using the Risk Profile and Good Corporate Governance Earning Capital Method for the 2021-2023 Period Egi Prayogi; Guasmin; Sri Haryani
Jurnal Kolaboratif Sains Vol. 9 No. 1: Januari 2026
Publisher : Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/jks.v9i1.10273

Abstract

Tujuan penelitian ini yaitu untuk menganalisis kinerja keuangan pada PT. Bank Rakyat Indonesia yang terdaftar di Bursa Efek Indonesian periode 2021-2023 menggunakan metode RGEC (Risk Profile, Good Corporate Governance, Earnings, Capital) dengan pendekatan deskriptif kuantitatif. Pengumpulan data menggunakan laporan keuangan tahunan yang dipublikasikan melalui website resmi Bursa Efek Indonesia idx.co.id. Berdasarkan hasil penelitian menunjukan bahwa kinerja keuangan pada Bank Rakyat Indonesia yang terdaftar di BEI periode 2021-2023 dilihat dari Risk Profile yaitu dengan menganalisis risiko pembiayaan dengan rasio NPF Bank Rakyat Indonesia dalam kategori baik pada tahun 2021 dan sangat baik pada periode 2022-2023. Analisis risiko likuiditas dengan rasio LDR Bank Rakyat Indonesia 2021-2023 cukup baik. Good Corporate Governance dengan hasil baik, Rasio ROA Bank Rakyat Indonesia periode 2021-2023 dalam kategori baik, rasio BOPO Bank Rakyat Indonesia periode 2021-2023 dalam kategori sangat baik, begitupun rasio Capital Adequency Ratio (CAR) dalam kategori sangat baik.
The Impact of Chasless Society and Financial Technology on the Consumptive Lifestyle of Students of the University of Muhammadiyah Palu Chusnul Khatima Nawir Risah; Guasmin; Umar
International Journal of Health, Economics, and Social Sciences (IJHESS) Vol. 8 No. 2: April 2026
Publisher : Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/ijhess.v8i2.10936

Abstract

This study aims to analyze the effect of Cashless Society and Financial Technology on the consumptive lifestyle of students at Universitas Muhammadiyah Palu. This research employs a quantitative approach using multiple linear regression analysis. The sample consists of 246 students selected through a specific sampling technique. Data were collected questionnaires and analyzed using simultaneous testing (F-test) and partial testing (t-test). The findings reveal that, simultaneously, Cashless Society and Financial Technology have a significant effect on students' consumptive lifestyle. However, partially, Cashless Society does not have a significant effect, whereas Financial Technology has a significant influence on the consumptive lifestyle. These results indicate that ease of access, service flexibility, and fintech features such as paylater and digital promotions are more dominant in driving consumptive behavior compared to non-cash payment systems. In conclusion, Financial Technology is identified as the primary factor influencing students' consumptive lifestyle in the digital era. Therefore, enhancing financial literacy is essential to ensure that the use of financial technology can be managed wisely.
Pemberdayaan Masyarakat Melalui Pengembangan Usaha Kuliner Dalam Meningkatkan Pendapatan Asli Daerah Di Kecamatan Parigi Tengah Awaludin; Supriadi, Ali; Guasmin; yusuf, Dikcy; Rukhayati
Sambulu Gana : Jurnal Pengabdian Masyarakat Vol. 5 No. 2 (2026): Mei 2026
Publisher : Lembaga Penelitian dan Pengabdian Pada Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/sambulu_gana.v5i2.10943

Abstract

The development of culinary businesses based on Micro, Small, and Medium Enterprises (MSMEs) plays a strategic role in improving community welfare and contributing to Regional Original Income (PAD). This community service activity was conducted in the Sail Tomini area, Parigi Tengah District, Parigi Moutong Regency, Central Sulawesi Province, involving 30 participants from six villages. The objective of this activity was to identify culinary product types, packaging styles, and sales revenues, as well as to encourage the empowerment of entrepreneurs through the use of local raw materials. The methods used included site surveys, outreach, outreach, training, and mentoring. The results of the activity indicated that the community had developed various culinary businesses, such as yellow rice (nasi kuning), food stalls, various fried foods, meatballs, gado-gado (traditional Indonesian salad), beverages, and processed products such as chips and traditional cakes, reflecting the local economic potential. However, entrepreneurs still face challenges in business management, packaging innovation, and marketing strategies. Through training and mentoring, participants' knowledge and skills in business management, including financial record keeping, pricing, and social media utilization, improved. This activity has a positive impact on community empowerment and has the potential to increase income and contribute to local revenue (PAD) in Parigi Tengah District.
Co-Authors Akbar, Aqnul Muhamad Akkas, Nasrulhak Ali Djamhuri Ali Supriadi Ali Supriadi Andi Mattulada Amir Anggraeni, Rasmi Nur Aqnul Muhamad Akbar Awaludin Awaludin Awaludin Burhanuddin Burhanuddin Burhanuddin Burhanuddin Burhanuddin Chusnul Khatima Nawir Risah Datu, Obet Nego Tandi Dewi Sinta Dicky Yusuf Dina Dwi Rofika Sari Egi Prayogi Fanrianto FH Madjit Farid Farid Febrianti, Dasa Feni Feni Feni Feni Fera Setiyo Wardoyo Haris Abd Kadir Haris Abd Kadir Hastuti Hastuti Hastuti Hastuti Iksan Iksan, Iksan Iva Nuranifa Kadir, Haris Abd Laraswati Laraswati Laraswati, Laraswati Leopold Merik Lisa Sulistiawati Lisnasari Lisnasari Mande, Henni Mattulada, Andi Maya, Siti Mohammad Rahul Syaifullah MUHAMAD Muhammad. Fadli Mujibur Rahman Mukmin Mukmin MUTHMAINNAH Mutmainah Mutmainah Nur Wahda Ayu Setiawati Obet Nego Tandi Datu Rahmiwati Habibu Rajindra Rasmi Nur Anggraeni Rifaldi Rotman Rotman Rotman, Rotman Rukhayati Salmiati Sarifuddin T Siti Maya Sri Haryani Sri Haryani Supriadi, Ali Suwedy Umar Wahba Wahba, Wahba Wardoyo, Fera Setiyo Yusuf, Dicky yusuf, Dikcy