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All Journal Jurnal Pengabdian kepada Masyarakat : Kreasi Mahasiswa Manajemen Journal of Innovative and Creativity
Ridwan, Andy Garcia
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Library & Information Science Mathematics Social Sciences Other

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Digitalisasi Pembukuan Sederhana Berbasis Aplikasi "Catatan Keuangan" Untuk Merencanakan Laba di Gerai Lengkong Tangerang Selatan Ridwan, Andy Garcia; Tandian, Donnie; Aini, Hajnurisa; Sany, Rifat Ardan
Jurnal Pengabdian kepada Masyarakat : Kreasi Mahasiswa Manajemen Vol. 4 No. 4 (2024): Jurnal Pengabdian kepada Masyarakat : Kreasi Mahasiswa Manajemen
Publisher : Unpam Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/kmm.v4i4.46771

Abstract

Digitalisasi Pembukuan Sederhana Berbasis Aplikasi Catatan Keuangan untuk Merencanakan Laba bagi UMKM di Gerai Lengkong bertujuan untuk mempermudah pencatatan keuangan dan perencanaan laba secara lebih terstruktur dan efisien. Manfaat penggunaan perangkat lunak dan aplikasi pembukuan digital, termasuk otomatisasi pencatatan transaksi, pembuatan laporan keuangan secara instan, analisis data untuk proyeksi pendapatan dan pengeluaran, dan perencanaan laba dengan memanfaatkan fitur-fitur yang tersedia, serta cloud storage untuk keamanan data. Secara keseluruhan, digitalisasi pembukuan membantu UMKM untuk lebih efisien dalam mengelola keuangan mereka, mengurangi risiko kesalahan, serta mempermudah proses perencanaan dan pengambilan keputusan bisnis yang lebih baik. Hasil PKM kali ini memungkinkan UMKM untuk lebih fokus pada pengembangan bisnis dan mengurangi beban administratif yang seringkali menyulitkan pengusaha kecil.
Analisis Kinerja Keuangan PT Bank Central Asia TBK Periode 2020–2024 Berdasarkan Rasio Keuangan Perbankan Ridwan, Andy Garcia; Dinata, Rasmita; Sampurnaningsih, Sri Retnaning
Journal of Innovative and Creativity Vol. 6 No. 1 (2026)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v6i1.6703

Abstract

This study aims to analyze the financial performance of PT Bank Central Asia Tbk (BBCA) during the 2020–2024 period using a financial ratio analysis approach, covering asset quality, liquidity, profitability, operational efficiency, and solvency. The research employs a descriptive quantitative method with ratio analysis techniques based on the company’s annual financial statements. The results indicate that PT Bank Central Asia Tbk demonstrates strong financial performance throughout the study period. Asset quality remains well maintained, as reflected by an average Non-Performing Loan (NPL) ratio of 2.02%. Liquidity conditions are robust, evidenced by an average Loan to Deposit Ratio (LDR) of 69.56% and a Liquidity Coverage Ratio (LCR) consistently exceeding the minimum regulatory requirements. In terms of profitability, Return on Assets (ROA) and Return on Equity (ROE) show favorable performance with an upward trend. Furthermore, a low BOPO ratio indicates high operational efficiency, while a Capital Adequacy Ratio (CAR) well above regulatory standards reflects strong capital resilience. Overall, the findings suggest that PT Bank Central Asia Tbk was in a sound financial condition during the 2020–2024 period.
Co-Authors Hajnurisa Aini, Hajnurisa Rasmita, Dina Sampurnaningsih, Sri Retnaning Sany, Rifat Ardan Tandian, Donnie