Kayani, Indah
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Determinants of Bank Performance through Camel Ratio, Digitalization, and Bank Size Kayani, Indah; Hakiman, Hakiman
Devotion : Journal of Research and Community Service Vol. 4 No. 10 (2023): Devotion: Journal of Research and Community Service
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/devotion.v4i10.573

Abstract

In general, this research aims to analyze the effect of CAMEL’s factors, namely BOPO, CAR, NPL, and LDR on the bank's financial performance. As well as the external factors of Digitalization and Bank Size on the bank's financial performance. In this case, the bank's financial performance is proxied by ROA. The population in this study are conventional banks registered with the Financial Services Authority totaling 107 banks. The sampling technique used purposive sampling with a total sample of 10 banks that met the criteria. The approach used is panel data regression with a random effect model as the best model. Data analysis software uses E-Views 12. The results of this study found that BOPO and CAR have a negative effect on financial performance. LDR, Digitization, and Bank Size each have a positive effect on financial performance. But, NPL does not affect bank performance. From these results, banks are expected to be able to improve financial performance and bank management performance so that creditors have a good perception of bank performance in the future. And must be able to maintain the soundness of the bank by considering all possible risks that will arise. In research, bank digitization has shown quite good results. However, banks must continue to innovate on digital banking while continuing to be accompanied by an increase in the number of customers and pay attention to the infrastructure costs of digitalization.
Analysis of innovation readiness level in SME exporting crafts sub-sector on furniture in Yogyakarta Santoso, Sugeng; Donna, Lisa Safirah Bella; Kayani, Indah; Cahyanugraha, Imanuel; Arfiandi, Derri; Aryati, Djujuk
Manajemen dan Bisnis Vol 22, No 1 (2023): March 2023
Publisher : Department of Management - Faculty of Business and Economics. Universitas Surabaya.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24123/jmb.v22i1.585

Abstract

One of Indonesia's leading exports from the manufacturing industry is the furniture sector. Yogyakarta is one of the regions with the largest furniture exports in Indonesia. CV. CA is one of the creative economy actors in the craft sub-sector who has succeeded in creating a variety of simple and elegant products with quality and certified wood raw materials. This research method uses qualitative and quantitative approaches. CV CA develops products and carries out a level of readiness for innovation and competes with similar competitors. Based on the results of this study, CV CA's business processes are proven in the field and pass the competency. Therefore, through this research, we can find out what CV CA has implemented so that it can penetrate the export market and revive the SME’s of the creative economy industry.