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ANALISIS RASIO BIAYA DANA DALAM KINERJA KEUANGAN BANK : PENDEKATAN STUDI KASUS INDUSTRI PERBANKAN DI INDONESIA Agustian Mahendra Putera; Rio Ferdinand Simarmata; Pramesti Pramudita Ektiyas Anggraeni; Renny Oktafia
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 2 No. 2 (2024): April
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v2i2.680

Abstract

The cost of funds ratio is a matrix used to carry out analysis in financial reports to evaluate banking financial performance by connecting various factors that influence the cost of funds ratio. Financial ratio analysis is part of business analysis that assesses a company's prospects and risks. Cost of funds ratio analysis describes the relationship between the amount of money and the company's burden in managing these finances to increase profitability. Cost of funds ratio analysis method. Research was conducted to identify information related to cost of funds ratio analysis in banking. The research results show the significant impact of financial ratio analysis on the financial performance of banking companies in Indonesia. Suggestions include increasing LDR, reducing NPL, controlling operational costs, and improving customer service. It is also recommended that the banking industry be able to reduce the cost of funds ratio regularly to improve its financial performance.
ANALISIS RASIO BIAYA DANA DALAM KINERJA KEUANGAN BANK : PENDEKATAN STUDI KASUS INDUSTRI PERBANKAN DI INDONESIA Agustian Mahendra Putera; Rio Ferdinand Simarmata; Pramesti Pramudita Ektiyas Anggraeni; Renny Oktafia
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 2 No. 2 (2024): April
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v2i2.680

Abstract

The cost of funds ratio is a matrix used to carry out analysis in financial reports to evaluate banking financial performance by connecting various factors that influence the cost of funds ratio. Financial ratio analysis is part of business analysis that assesses a company's prospects and risks. Cost of funds ratio analysis describes the relationship between the amount of money and the company's burden in managing these finances to increase profitability. Cost of funds ratio analysis method. Research was conducted to identify information related to cost of funds ratio analysis in banking. The research results show the significant impact of financial ratio analysis on the financial performance of banking companies in Indonesia. Suggestions include increasing LDR, reducing NPL, controlling operational costs, and improving customer service. It is also recommended that the banking industry be able to reduce the cost of funds ratio regularly to improve its financial performance.
Analisis Spillover Effect Pertumbuhan Ekonomi Antar Kabupaten/Kota di Kawasan Gerbangkertosusila Provinsi Jawa Timur Agustian Mahendra Putera; Mohammad Wahed
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 9 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i9.9164

Abstract

Uneven economic growth in the Gerbangkertosusila region of East Java raises questions about the extent of spillover effects from economic centers such as Surabaya to surrounding districts and cities. This study aims to analyze the causal relationships in regional economic growth and identify the presence of economic spillover effects within the area. Using a quantitative approach through Granger Causality Test and Vector Error Correction Model (VECM), the research examines Gross Regional Domestic Product (GRDP) constant price (ADHK) data from 2000 to 2023 across six districts/cities in Gerbangkertosusila. The findings reveal both unidirectional and bidirectional causal relationships between several regions, and the presence of both positive (spread effect) and negative (backwash effect) spillovers. These effects reflect complex interdependencies driven by absorptive capacity, infrastructure connectivity, and local government policy. The implications highlight the need for integrated regional development planning to harness inclusive and sustainable economic growth benefits.