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All Journal Procedia of Social Sciences and Humanities Governors
Harun, Siti Hafnidar
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Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Factors Affecting Profitability (Study On State-Owned Banks In Indonesia) Priharta, Andry; Gani, Nur Asni; Harun, Siti Hafnidar
GOVERNORS Vol. 3 No. 2 (2024): August 2024 Issue
Publisher : Yayasan Cita Cendekiawan Al Khwarizmi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47709/governors.v3i2.4314

Abstract

The research aims to determine the effect of Capital Adequacy Ratio, Non-Performing Loans, Loan to Deposit Ratio and Net Interest Margin on profitability as measured by ROA. The study was conducted at banks owned by the Government of the Republic of Indonesia or known as Bank BUMN (State-Owned Enterprises) which consists of four banks, namely Bank Mandiri (Bank Mandiri), Bank Rakyat Indonesia (BRI), Bank Negara Indonesia (BNI) and Bank Tabungan Negara (BTN). The method of the research was quantitative research, analysis secondary data. It was conducted from the financial reporting Bank BUMN period from 2011 to 2022. By multiple linear regression analysis, it was found that CAR has a significant negative effect, NPL has a significant negative effect, LDR has a significant positive effect, and NIM has a significant positive effect on profitability. Furthermore, the coefficient of determination shows that the model is able to explain 84.90% of the variation in the four dependent variables.
Determinants of Customer loyalty: service quality and satisfaction: Penentu Loyalitas Nasabah : Kualitas Pelayanan dan Kepuasan Nora, Liza; Kaamilah, Nur Afiifah; Harun, Siti Hafnidar
Procedia of Social Sciences and Humanities Vol. 3 (2022): Proceedings of the 1st SENARA 2022
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/pssh.v3i.149

Abstract

This study aims to explain the role of satisfaction in influencing service quality to customer loyalty at PT. BPRS Harta Insan Karimah. The method used in this study is a quantitative method that is associative. The source of this research is using primary data. The sample collection technique used is purposive sampling technique, with the number of samples tested by 96 respondents from customers. The data collection technique is using a questionnaire distributed via Google Form to the customers who are domiciled in Tangerang. The data analysis method in this study uses the Structural Equation Model (SEM), using the WarpPLS 7.0 approach. The results of this study indicate that service quality has a significant effect on customer loyalty and service quality with customer satisfaction as a mediation has a significant effect on customer loyalty. This means that the customer satisfaction variable is a partial mediation, which can affect directly or indirectly between the service quality variable and customer loyalty.
Factors Affecting Profitability (Study On State-Owned Banks In Indonesia) Priharta, Andry; Gani, Nur Asni; Harun, Siti Hafnidar
GOVERNORS Vol. 3 No. 2 (2024): August-November 2024 Issue
Publisher : Yayasan Cita Cendekiawan Al Khwarizmi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47709/governors.v3i2.4314

Abstract

The research aims to determine the effect of Capital Adequacy Ratio, Non-Performing Loans, Loan to Deposit Ratio and Net Interest Margin on profitability as measured by ROA. The study was conducted at banks owned by the Government of the Republic of Indonesia or known as Bank BUMN (State-Owned Enterprises) which consists of four banks, namely Bank Mandiri (Bank Mandiri), Bank Rakyat Indonesia (BRI), Bank Negara Indonesia (BNI) and Bank Tabungan Negara (BTN). The method of the research was quantitative research, analysis secondary data. It was conducted from the financial reporting Bank BUMN period from 2011 to 2022. By multiple linear regression analysis, it was found that CAR has a significant negative effect, NPL has a significant negative effect, LDR has a significant positive effect, and NIM has a significant positive effect on profitability. Furthermore, the coefficient of determination shows that the model is able to explain 84.90% of the variation in the four dependent variables.
Co-Authors Andry Priharta Gani, Nur Asni Kaamilah, Nur Afiifah Nora, Liza Priharta, Andry