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ANALYSIS OF THE INFLUENCE OF CAMELS FACTORS ON PROFITABILITY AT PT. BANK MANDIRI (PERSERO) TBK Mayang Palupi; Nisrul Irawati; Chairul Muluk
Journal of Accounting Research, Utility Finance and Digital Assets Vol. 2 No. 2 (2023): October
Publisher : PT. Radja Intercontinental Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/jaruda.v2i2.116

Abstract

This research aims to determine the effect of the CAMELS ratio on the financial profitability of PT. Bank Mandiri (Persero) Tbk. This research uses CAMELS ratios, namely Capital Adequacy Ratio (CAR), Non Performing Loans (NPL), Interest Expenses to Total Loans (IETTL), Net Interest Margin (NIM), Operational Costs to Operating Income (BOPO), Loan to Deposit Ratio ( LDR) and Net Open Position (PDN) on financial profitability as measured using Return On Assets (ROA) and Return On Equity (ROE). The research sample was selected using purposive sampling. The statistical test tool is SPSS 26 which is carried out using the classic assumption test and multiple linear regression analysis. The research results show that Capital Adequacy Ratio (CAR), Interest Expense to Total Loan (IETTL), Net Interest Margin (NIM), Loan to Deposit Ratio (LDR) have a positive effect on Return on Assets (ROA). Non-Performing Loans (NPL), Operational Costs to Operating Income (BOPO), Net Open Position (PDN) have a significant and negative effect on Return on Assets (ROA). Meanwhile, Interest Expense on Total Loans (IETTL), Net Interest Margin (NIM) have a positive effect on Return on Assets (ROA). Capital Adequacy Ratio (CAR), Non-Performing Loans (NPL), Operational Costs to Operating Income (BOPO), Loan to Deposit Ratio (LDR) and Net Open Position (PDN) have a negative effect on Return on Assets (ROE).
ANALISIS PENGARUH LAMA WAKTU PEMERAMAN DAN PERSENTASE KALSIUM NITRAT TERHADAP PENINGKATAN STABILITAS TANAH LANAU MENGGUNAKAN METODE MICROBIALLY INDUCED CALCIUM CARBONATE PRECIPITATION (MICP) DENGAN BAKTERI SPOROSARCINA PASTEURII Mayang Palupi; As'ad Munawir; Yulvi Zaika
Jurnal Mahasiswa Jurusan Teknik Sipil Vol. 1 No. 2 (2025): Student Journal
Publisher : Jurusan Teknik Sipil, Fakultas Teknik, Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Penelitian ini bertujuan untuk meningkatkan stabilitas tanah lanau menggunakan metode Microbially Induced Calcium Carbonate Precipitation (MICP) dengan bakteri Sporosarcina pasteurii. Variasi konsentrasi kalsium nitrat (2%, 2,5%, dan 3%) dan lama pemeraman (3, 7, dan 14 hari) diterapkan untuk mengevaluasi pengaruh terhadap kohesi dan sudut geser tanah. Hasil menunjukkan peningkatan signifikan pada kekuatan geser tanah, terutama pada konsentrasi 3% dan pemeraman 14 hari. Analisis XRD dan SEM mengonfirmasi terbentuknya presipitasi kalsium karbonat yang memperkuat struktur tanah.  Kata Kunci: stabilisasi tanah, MICP, Sporosarcina pasteurii, kalsium nitrat, kekuatan geser.