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All Journal Jurnal Manajemen, Ekonomi, Hukum, Kewirausahaan, Kesehatan, Pendidikan dan Informatika (MANEKIN) Summa : Journal of Accounting and Tax
Jessyca
Unknown Affiliation
Humanities Computer Science & IT Economics, Econometrics & Finance Energy Law, Crime, Criminology & Criminal Justice

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Peran Pendidikan Terhadap Tingkat Kesulitan Mencari Pekerjaan (Studi Kasus Kelurahan Tuatunu Indah Kota Pangkalpinang) Kurniawan, Rian; Azekawati Juningsih, Dessy; Jessyca
Jurnal Manajemen, Ekonomi, Hukum, Kewirausahaan, Kesehatan, Pendidikan dan Informatika Vol 3 No 1 : September (2024): Jurnal Manajemen, Ekonomi, Hukum, Kewirausahaan, Kesehatan, Pendidika
Publisher : Shofanah Media Berkah

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Abstract

The relationship between education and the economy has always been an important issue. Education is one of the things whose existence is considered very important for human life. The existence of education can also help boost the economy of citizens. Education is not only in the form of formal education, but there is also an increase in creativity that can help a person find a job according to their interests and talents. Education is also considered one of the means to build a superior civilization. Education can increase community participation in social and economic activities. This study aims to determine the role of education in the economy. This research focuses on the field of education as well as the economy of the Tuatunu Indah Village community. Thus the relationship between education and the economy can be concluded.
PT Seabank Indonesia’s Financial Performance: Pre- and Post-Digital Banking Acquisition Jessyca; Munaf, Tommy; Sambodo, Bambang; Saputra, Novi Chandra; Zulaika, Nurfitri
Summa : Journal of Accounting and Tax Vol. 3 No. 4 (2025): October 2025
Publisher : Indonesian Scientific Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61978/summa.v3i4.615

Abstract

This research investigates the financial performance of PT Seabank Indonesia prior to and following its acquisition and transformation into a digital bank. The evaluation is based on several key financial indicators, including the Loan to Deposit Ratio, Capital Adequacy Ratio, Return on Assets, and the ratio of Operating Expenses to Operating Income. Using a quantitative method, this research analyzes secondary data drawn from quarterly financial reports between 2019 and 2022. Statistical tests, including the Paired Sample T-Test and Wilcoxon Signed Rank Test using SPSS version 29, were employed to assess differences before and after the acquisition. The findings reveal that only the LDR ratio showed a significant change post-acquisition, while CAR, ROA, and BOPO did not exhibit statistically significant differences. These results suggest that while digital transformation may influence certain aspects of bank performance, its overall financial impact may vary across different indicators.
Co-Authors Azekawati Juningsih, Dessy Novi Chandra Saputra Rian Kurniawan Sambodo, Bambang Tommy Munaf Zulaika, Nurfitri