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Muchlis , Muchlis
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Economics, Econometrics & Finance

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PENGARUH DIGITAL BANKING TERHADAP PROFITABILITAS DAN EFISIENSI OPERASIONAL PERBANKAN Atasyadila, Hasna; Muchlis , Muchlis
Journal of Accounting, Management and Islamic Economics Vol. 2 No. 2 (2024): Journal of Accounting, Management, And Islamic Economics, Volume 02, No. 02, De
Publisher : Ibs Press

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This study aims to determine whether the influence of Digital Bank on Return On Assets (ROA) or net profitability, determine whether the influence of Digital Bank on Net Interset Margin (NIM), and determine whether the influence of Digital Bank on BOPO. The method used in writing this final project is a quantitative method with the population used, namely Book III Conventional Banks and Book IV Banks during the 2016-2020 period with a total of 18 banks. This study uses the purpose method. sampling with statistical tests using the EViews10 program. The results of this study prove that Digital Banking has a positive and significant effect on ROA. The implementation of digital banking has resulted in increased bank profitability, due to an increase in the number of transactions through e-banking such as mobile and online transactions. Digital Banking also has a negative and significant effect on BOPO, which indicates a huge increase in efficiency in banking operations resulting from the application of digital banking. In addition, Digital Banking resulted in a decrease in NIM which indicated a decrease in the cost of intermediation that occurred in the banking industry due to the implementation of digital banking.
PENILAIAN RISIKO LINGKUNGAN DAN INVESTASI PADA PERENCANAAN PELABUHAN KIJING, KALIMANTAN BARAT Prabowomukti, Adhitya Reddia; Muchlis , Muchlis
Journal of Accounting, Management and Islamic Economics Vol. 2 No. 2 (2024): Journal of Accounting, Management, And Islamic Economics, Volume 02, No. 02, De
Publisher : Ibs Press

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This study aims to identify environmental risks and assess the investment risk of the Port of Kijing. Data collection techniques in this study by conducting a field survey to PT. Pelabuhan Indonesia II branch office in Pontianak, surveying the conditions of meterology and oceanography in the Kijing area and also along the Kapuas River from upstream to downstream to find out the barge connectivity path. The next method is to conduct in-depth interviews with the Head of the Port of Pontianak, several shipping companies (ship logistics companies) and also Crude Palm Oil (CPO) producers related to throughput and ship traffic in Kalimantan. Based on the results of the study it can be concluded as follows: 1)The most common environmental risk events that occur are increasing noise and pollution around the port construction area. The highest level of risk that could potentially be fatal, or extreme risk, namely when the ship collided or touched. While the lowest risk level is if the terminal processing is delayed, 2) The overall investment risk assessment shows that the Kijing Port project has high potential in profitability and healthy cash flow performance, indicated by an Internal Rate of Return (IRR)of 13.3% and a positive Net Present Value (NPV) on a discount rate of 12%, so this investment is considered feasible.
PENILAIAN HARGA SAHAM WAJAR PT BANK XYZ DENGAN MENGGUNAKAN METODE DISCOUNTED EARNING APPROACH DAN PRICE TO BOOK VALUE Antoro, Wahyu; Muchlis , Muchlis
Journal of Accounting, Management and Islamic Economics Vol. 2 No. 2 (2024): Journal of Accounting, Management, And Islamic Economics, Volume 02, No. 02, De
Publisher : Ibs Press

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Sebagai sebuah bank yang telah menjalankan operasi perbankan dengan menerapkan prudential banking sebagaimana yang telah ditentukan oleh Otoritas serta akan melakukan Initial Public Offering (IPO) di tahun 2022 dimana bank juga harus mampu menawarkan nilai saham agar menarik dibeli oleh investor sehingga tetap memaksimalkan pendapatan per lembar saham yang dapat memuaskan keinginan para pemegang saham publik (shareholders). Untuk itu tujuan penelitian ini adalah untuk menghitung estimasi harga wajar (nilai intrinsik) saham PT Bank XYZ dengan metode Discounted Earning Approach dan Price to Book Value dan memberikan saran serta masukan kepada manajemen perusahaan untuk harga wajar saham PT Bank XYZ. Hasil penelitian menunjukkan bahwa 1) Hasil perhitungan nilai harga saham wajar PT Bank XYZ dengan metode Discounted Earning dalam kondisi optimis dikisaran Rp 540 per lembar saham. 2) Hasil perhitungan nilai harga saham wajar PT Bank XYZ dengan metode Discounted Earning dalam kondisi pesimis dikisaran Rp 472 per lembar saham. 3) Hasil perhitungan nilai harga saham wajar PT Bank XYZ dengan metode Discounted Earning dalam kondisi normal adalah sebesar Rp 503 per lembar saham. 4) Hasil perhitungan PBV PT Bank XYZ adalah sebesar 1,043x, jika dibandingkan dengan enam bank pesaing, maka nilai PBV PT Bank XYZ lebih rendah dengan PBV enam bank pembanding. 5) Hasil perhitungan PER PT Bank XYZ adalah sebesar 15,86, jika dibandingkan dengan bank pesaing terdekat, maka nilai PER PT Bank XYZ tergolong lebih rendah. Untuk itu disarankan kepada manajemen perusahaan untuk meningkatkan tingkat penjualan/pendapatan bunga perusahaan, dengan menargetkan tingkat PER dan PBV di atas nilai rata-rata bank pembanding.
Co-Authors Antoro, Wahyu Atasyadila, Hasna Prabowomukti, Adhitya Reddia