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Journal : INVEST : Jurnal Inovasi Bisnis dan Akuntansi

The Impact of Non-Performing Loans (NPL) and Loan-to-Deposit Ratio (LDR) on the Profitability of Conventional Commercial Banks Listed on the Indonesia Stock Exchange Yulyanti, Sinta; Jamil, Poppy Camenia; Habillah, Janatri; Abdullah, Siti Intan Nurdiana Wong
INVEST : Jurnal Inovasi Bisnis dan Akuntansi Vol. 5 No. 2 (2024): INVEST : Jurnal Inovasi Bisnis dan Akuntansi
Publisher : Lembaga Riset dan Inovasi Al-Matani

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Abstract

This study examines the effect of Non-Performing Loans (NPL) and Loan-to-Deposit Ratio (LDR) on Return on Assets (ROA) in the banking sector on the Indonesia Stock Exchange over a period of 10 years, from 2011 to 2020. The analysis uses panel data from 14 conventional commercial banks listed on the IDX, with a total of 138 observations spanning from 2011 to 2021. Static panel data regression is employed for the analysis. The results indicate that the NPL variable has a significant negative effect on ROA, with a probability value of 0.0002, which is smaller than the 5% significance level. The coefficient of -0.253098 suggests that a 1% increase in NPL leads to a 0.253098% decrease in ROA. This finding implies that higher levels of non-performing loans negatively impact bank profitability by slowing down bank operations. In extreme cases, increased bad debts could reduce a bank's ability to guarantee public funds, potentially leading to systemic risk.
Digital Marketing Strategy Review For Business Development Santoso, Aprih; Susilowati, Teti; Djunaidi, Firman Gazali; Alimin, Erina; Sattar, Sattar; Abdullah, Siti Intan Nurdiana Wong
INVEST : Jurnal Inovasi Bisnis dan Akuntansi Vol. 6 No. 2 (2025): INVEST : Jurnal Inovasi Bisnis dan Akuntansi
Publisher : Lembaga Riset dan Inovasi Al-Matani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55583/invest.v6i2.1670

Abstract

This study aimed to determine how digital marketing strategies are implemented at XXX Bakery in Semarang City and to identify obstacles, solutions, and existing problems. This study employed a qualitative method with a case study approach, conducted through in-depth interviews, direct observation, and documentation with the XXX Bakery in Semarang City. Data source and data collection were tested for data credibility. Seven participants were used as data sources for the in-depth interviews. The results showed that XXX Bakery in Semarang City implemented its digital marketing strategy through social media platforms like WhatsApp and Instagram, employing the 4P marketing mix: Product, Place, Price, and Promotion. This study identified challenges such as competition and slow order delivery. The solution to these problems was maintaining bread quality and offering attractive promotions. Delays in delivery were addressed by adding dedicated staff and providing time estimates.