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All Journal Jurnal Kabar Masyarakat Agency Journal of Management and Business
Puput Jahsinia Putri
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Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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Implementasi Etika Bisnis dalam Menjalankan Bisnis pada UMKM Kerupuk Ibu Ramlah Kartin Aprianti; Naurah Islami Pasha; Puput Jahsinia Putri
Jurnal Kabar Masyarakat Vol. 3 No. 2 (2025): JURNAL KABAR MASYARAKAT
Publisher : Institut Teknologi dan Bisnis Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jkb.v3i2.2892

Abstract

The implementation of business ethics has become a crucial element in running a business, including at the scale of Micro, Small, and Medium Enterprises (MSMEs). This study aims to analyze the application of business ethics in the operations of the Kerupuk Ibu Ramlah MSME. The study explores ethical business principles such as honesty, responsibility, transparency, and fairness, as applied in production, marketing, and relationships with consumers and business partners.The method offered to partners/MSMEs includes education/socialization through the use of leaflets, delivered door-to-door. The material provided in the leaflet covers the following topics: (1) The Role of Ethics in Business for MSME actors, (2) The Benefits of Ethics in Business for MSME actors, and (3) The Application of Ethical Principles in Business in financial, marketing, production, and human resource activities. However, challenges such as limited knowledge and resources affect the consistency of implementing business ethics. This study concludes that the implementation of business ethics contributes positively to the sustainability and reputation of MSMEs and recommends enhancing understanding and training in business ethics to strengthen business competitiveness.
The Effect of Cash Ratio and Loan to Asset Ratio on Return on Asset at PT. Bank Mandiri Tbk Puput Jahsinia Putri; Aliah Pratiwi; Nurhayati
Agency Journal of Management and Business Vol. 6 No. 1 (2026): January 2026
Publisher : Pustaka Digital Indonesia

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Abstract

This study examines the effect of liquidity and asset allocation on bank profitability by analyzing the influence of Cash Ratio (CR) and Loan to Asset Ratio (LAR) on Return on Assets (ROA) at PT Bank Mandiri Tbk. As one of Indonesia’s largest state-owned banks, maintaining optimal liquidity and productive asset utilization is essential to sustaining financial performance and public trust. This research aims to determine the partial and simultaneous effects of CR and LAR on ROA. A quantitative associative approach was employed using secondary data derived from the bank’s annual financial statements over the 2014–2023 period. The sample consisted of 10 years of observations selected through purposive sampling. Data were analyzed using multiple linear regression, supported by classical assumption tests, t-tests, F-tests, and coefficient of determination analysis with a 5% significance level. The results indicate that Cash Ratio has a positive and significant effect on ROA, suggesting that improved liquidity strengthens financial stability and enhances profitability. Similarly, Loan to Asset Ratio demonstrates a positive and significant effect on ROA, indicating that a higher proportion of productive earning assets contributes to increased income generation. Simultaneously, CR and LAR significantly influence ROA. These findings highlight the importance of balancing liquidity management and loan allocation strategies to optimize bank profitability and ensure sustainable financial performance.
Co-Authors Aliah Pratiwi Kartin Aprianti Naurah Islami Pasha Nurhayati