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DETERMINASI PROFITABILITAS PERBANKAN DARI VARIABEL LOAN TO DEPOSIT RATIO, CAPITAL ADEQUACY RATIO, NON PERFORMING LOAN: STUDI EMPIRIS PADA BANK YANG TERDAFTAR DI BURSA EFEK INDONESIA Akhdan, Akhdan Ijlal Hibrizi; Syahdina, Aang; Yusuf Saputra, Rayhan; Sausan, Rona; Harizahra, Marsya; Aulia, Nasywa
EMAS Vol. 6 No. 6 (2025): EMAS
Publisher : Program Studi Manajemen Fakultas Ekonomi dan Bisnis Universitas Mahasaraswati Denpasar.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36733/emas.v6i6.11741

Abstract

Berdasarkan kajian teori penelitian terdahulu, variabel dalam pengaruh simultan masih perlu dieksplorasi lebih lanjut untuk mengetahui interaksi antara Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), dan Non-Performing Loan (NPL) dalam mempengaruhi ROA, serta bagaimana variabel lain dapat memoderasi hubungan ini, khususnya dalam konteks perubahan industri keuangan akibat kemunculan fintech. Penelitian ini bertujuan untuk mengevaluasi pengaruh Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), dan Non-Performing Loan (NPL) terhadap Return on Assets (ROA) sebagai indikator utama profitabilitas perbankan. Pendekatan yang digunakan bersifat kuantitatif dengan teknik analisis regresi data panel. Data yang dianalisis merupakan data sekunder dari 29 bank yang tercatat di Bursa Efek Indonesia selama periode 2019 hingga 2023. Hasil analisis menunjukkan bahwa LDR memiliki hubungan positif namun tidak signifikan terhadap ROA. Sementara itu, CAR berpengaruh positif dan signifikan terhadap ROA, sedangkan NPL menunjukkan pengaruh negatif dan signifikan. Ketiga variabel tersebut secara simultan berkontribusi signifikan terhadap profitabilitas bank. Periode penelitian yang mencakup masa pasca-pandemi COVID-19 memberikan gambaran tentang kondisi adaptasi sektor perbankan terhadap tekanan ekonomi dan perkembangan teknologi finansial (fintech). Temuan ini memberikan masukan penting bagi pihak bank dan otoritas keuangan untuk menyeimbangkan strategi penyaluran kredit, menjaga kecukupan modal, dan mengelola risiko kredit guna mempertahankan stabilitas dan daya saing industri perbankan.
PEMBERDAYAAN KELOMPOK TP-PKK DESA ARGO MULYO, KECAMATAN SEPAKU, PENAJAM PASER UTARA MELALUI POJOK LITERASI TANAMAN OBAT KELUARGA (TOGA) Rozi, Fahrul; Siddiq, Muhammad Nuzul Azhim Ash; Anggreini, Putri; Kawareng, Andi Tenri; Wahyuni, Leny Eka Tyas; Nisaa, Nur Rezky Khairun; Majiding, Chaidir Masyhuri; Annisa, Oktavia Nasrul; Putra, Arya Yuliansyah; Aulia, Nasywa; Febriyanthy, Adhiesty Syaffila
Jurnal Abdi Insani Vol 11 No 4 (2024): Jurnal Abdi Insani
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/abdiinsani.v11i4.2034

Abstract

Hypertension and hypercholesterolemia are common health problems in Argo Mulyo Village, Sepaku Sub-district, North Penajam Paser Regency. These diseases require a preventive approach through the utilization of family medicinal plants (TOGA) such as ginger, turmeric, and temulawak, which have been proven effective in reducing blood pressure and cholesterol levels. This empowerment activity aims to increase community knowledge, particularly among the TP-PKK group, regarding the use of TOGA as a preventive measure against hypertension and hypercholesterolemia. The activity was conducted on September 7-8, 2024, in Argo Mulyo Village. The methods used included education, training on the production of herbal powder from ginger, turmeric, and temulawak, and the planting of TOGA in the village land. Evaluation was carried out through pretest and posttest assessments to measure the participants' knowledge improvement. The results of the educational activity related to hypertension and hypercholesterolemia showed a significant increase in participants' knowledge, with an average pretest score of 60.23 rising to 76.51 in the posttest. The results of the herbal powder-making activity also showed an improvement in knowledge, with the pretest average score at 71.76 and 92.94 in the posttest. Additionally, the herbal powder products produced by the participants met the established standards. The planting of TOGA in the village land was also successfully implemented, indicating the success of this activity in raising community awareness and skills in utilizing local resources. In conclusion, this TOGA-based empowerment not only contributes to improving community health but also holds the potential to enhance economic welfare through herbal production.
Pengaruh Kompensasi, Rekrutmen, dan Reputasi Perusahaan terhadap Minat Melamar Pekerjaan Generasi Z di PT Kindo Dwi Persada Aulia, Nasywa; Andriani, Dewi; Firdaus, Vera
Ekonomis: Journal of Economics and Business Vol 10, No 1 (2026): Maret
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v10i1.2756

Abstract

This study aims to analyze the influence of compensation, recruitment, and company reputation on Generation Z's interest in applying for jobs at PT. Kindo Dwi Persada. The population was students of Muhammadiyah University of Sidoarjo with the Gen Z category aged 18-25 years. A sample of 101 participants was obtained through purposive sampling. Data were collected using a Likert scale Google Form online questionnaire and analyzed using SEM-PLS. The results of this study revealed that the variables of compensation, recruitment, and company reputation had a positive and significant effect on Gen Z's interest in applying for jobs at PT Kindo Dwi Persada.