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Optimalisasi Pengenalan Aplikasi MDIN sebagai Layanan Perbankan Syariah pada Masabah Bank Muamalat Parepare Mardatillah Mardatillah; Muh Hendra Dwi Saputra; Amin Syam; Hikmadilla Hikmadilla; Nirina Putri Sella; Kasma Kasma; Yasri Tarawiru
ASPIRASI : Publikasi Hasil Pengabdian dan Kegiatan Masyarakat Vol. 3 No. 1 (2025): ASPIRASI : Publikasi Hasil Pengabdian dan Kegiatan Masyarakat 
Publisher : Asosiasi Periset Bahasa Sastra Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/aspirasi.v3i1.1421

Abstract

This research aims to optimize the introduction of the MDIN application as one of the sharia banking services offered by Bank Muamalat Indonesia to its customers in Parepare. The MDIN application is designed to provide convenience in digital banking transactions while maintaining sharia principles. The service methods used include outreach, training and assistance to customers. The results of the service show that the introduction of this application increases customers' understanding of digital sharia banking features and increases their interest in using the MDIN application in daily transactions.
Pengaruh Struktur Modal Terhadap Net Profit Margin Pada PT Astra Internasional Tbk yang Terdaftar di Bursa Efek Indonesia 2021-2023 Harianti Harianti; Aisyah Syahrir; Muhammad Arya Maulana; Nurhikma Nurhikma; Kasma Kasma
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 3 No. 1 (2025): Januari
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v3i1.1098

Abstract

This study aims to analyze the effect of the Debt to Equity Ratio (DER) on the Net Profit Margin (NPM) of PT Astra International Tbk, listed on the Indonesia Stock Exchange (IDX) during the 2021–2023 period. This research employs a descriptive quantitative approach using secondary data obtained from the company's annual financial reports. Data analysis techniques include descriptive analysis, Pearson correlation test, and simple linear regression. The results show a negative relationship between DER and NPM, with a correlation coefficient of -0.726, indicating that an increase in DER tends to be followed by a decrease in NPM. However, this relationship is not statistically significant, with a p-value of 0.483. Regression analysis results reveal that DER can only explain 52.7% of the variation in NPM, while the remaining percentage is influenced by other variables outside this research model. Therefore, although capital structure plays a role in influencing profitability, other factors such as operational efficiency and cost management also need to be considered to improve the company's financial performance.
Pengaruh Struktur Modal Terhadap Net Profit Margin Pada PT Astra Internasional Tbk yang Terdaftar di Bursa Efek Indonesia 2021-2023 Harianti Harianti; Aisyah Syahrir; Muhammad Arya Maulana; Nurhikma Nurhikma; Kasma Kasma
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 3 No. 1 (2025): Januari
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v3i1.1098

Abstract

This study aims to analyze the effect of the Debt to Equity Ratio (DER) on the Net Profit Margin (NPM) of PT Astra International Tbk, listed on the Indonesia Stock Exchange (IDX) during the 2021–2023 period. This research employs a descriptive quantitative approach using secondary data obtained from the company's annual financial reports. Data analysis techniques include descriptive analysis, Pearson correlation test, and simple linear regression. The results show a negative relationship between DER and NPM, with a correlation coefficient of -0.726, indicating that an increase in DER tends to be followed by a decrease in NPM. However, this relationship is not statistically significant, with a p-value of 0.483. Regression analysis results reveal that DER can only explain 52.7% of the variation in NPM, while the remaining percentage is influenced by other variables outside this research model. Therefore, although capital structure plays a role in influencing profitability, other factors such as operational efficiency and cost management also need to be considered to improve the company's financial performance.