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All Journal Penentuan harga obligasi dan teori tingkat bunga International Journal of Economics Development Research (IJEDR)
Rahadian, Zaidan
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Aerospace Engineering Agriculture, Biological Sciences & Forestry Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Economics, Econometrics & Finance Social Sciences

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Analisis Fundamental PT. Bank Central Asia (Persero) Tbk. Tahun 2022 Pranto, Darmansyah Hegi; Gunawan, Syahrul; Rahadian, Zaidan; Suherman, Ujang
Jurnal SEKURITAS (Saham, Ekonomi, Keuangan dan Investasi) Vol. 7 No. 3 (2024): Jurnal SEKURITAS
Publisher : Prodi Manajemen Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/skt.v7i3.40243

Abstract

Tujuan studi ini merupakan guna mengenali apakah harga saham BBCA undervalued serta sesuai apabila dijadikan investasi jangka panjang. Metodologi yang digunakan dalam penelitian studi kasus ini yaitu dengan metode deskriptif kualitatif. Teknik pengambilan sampel yang digunakan porposive sampling dimana BBCA dipilih guna mewakili bank BUKU IV. Alat perhitungan yang diaplikasikan pada analisis fundamental ialah EPS, NIM, NPL, BOPO, BV, PER, PBV dan PEG. Hasil penelitian yang didapatkan ialah kinerja BBCA pada tahun 2019 dan 2020 lebih tinggi daripada bank BUKU IV dengan menggunakan BV dan EPS namun pada tahun 2021 kinerja BBCA turun dikarenakan adanya efek dari COVID-19 dan Stocksplit. Dengan menggunakan teknik penilaian relative valuation PER, PBV, dan PEG, harga saham BBCA dinilai terlalu tinggi atau overvalued. Kesimpulannya, saham BBCA terlalu mahal dan sebaiknya tidak dibeli sebagai investasi jangka panjang.
The Effect of Credit Risk on the Financial Stability of Rural Credit Banks in West Java: The Mediating Role of Profitability Rahadian, Zaidan; Suherman, Ujang; Pranata, Rengga Madya
International Journal of Economics Development Research (IJEDR) Vol. 6 No. 3 (2025): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ijedr.v6i3.7900

Abstract

This study aims to analyze the impact of credit risk on the financial stability of People's Credit Banks (BPR) in West Java from 2019 to 2023, considering the mediating role of profitability. Employing a quantitative methodology with descriptive and verificative approaches, the research utilizes secondary data from annual financial reports of BPRs obtained from the Financial Services Authority (OJK). The sample comprises 94 BPRs, with data analysis conducted using panel data regression and the Sobel test. Descriptive analysis reveals significant variations in credit risk levels, profitability, and financial stability across BPRs. Regression results indicate that credit risk exerts a negative but statistically insignificant effect on financial stability, while profitability demonstrates a positive and significant influence. Mediation analysis via the Sobel test confirms that profitability does not mediate the relationship between credit risk and financial stability. Simultaneously, both variables collectively contribute to financial stability, though external factors outside the model also play a role in shaping outcomes. The study concludes that enhanced credit risk management and improved profitability can bolster the financial stability of BPRs. Recommendations include strengthening credit risk governance, optimizing operational efficiency, and ensuring adequate capital buffers to maintain financial resilience amid economic challenges.
Co-Authors Gunawan, Syahrul Pranata, Rengga Madya Pranto, Darmansyah Hegi Suherman, Ujang