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Decoding Bank Stocks: Fundamental Analysis for Market Prediction Maulana, Bintang; Triyunita, Gizka; Tabitha, May Rani; Octaviyani, Risca
EduMatika: Jurnal MIPA Vol. 5 No. 1 (2025): EduMatika: Jurnal MIPA
Publisher : Lembaga Riset Mutiara Akbar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56495/emju.v5i1.955

Abstract

This study presents a fundamental analysis of three major Indonesian bank stocks—BBCA, BBRI, and BBNI—as of March 2025. Using key indicators such as Price-to-Earnings Ratio (P/E), Price-to-Book Value (P/BV), Dividend Yield, and Return on Equity (ROE), the research evaluates valuation, income potential, and efficiency. Data were based on February 2025 stock prices and 2024 financial projections. Results show BBRI offers the best investment value with a low P/E (10.49x), strong Dividend Yield (7.65%), and solid ROE (18.37%), ideal for income and value investors. BBNI appears undervalued (P/BV 1.27x) with decent yield (5.95%) but lower ROE (12.12%). BBCA maintains premium status with high efficiency (ROE 19.78%) and valuation (P/E 18.85x), suitable for growth-focused investors. Overall, BBRI stands out as the most balanced stock, although sector-specific risks like NPL should be considered. These insights aim to support investor decisions in navigating Indonesia’s banking sector during economic uncertainty.
The Relationship Between the Human Development Index (HDI) and Poverty Rate in North Sumatra in 2023: Spearman Correlation Analysis Hutapea, Risca Octaviyani; Triyunita, Gizka; Amalia, Sisti Nadia
Holistic Science Vol. 5 No. 2 (2025): Jurnal Nasional Holistic Sciences
Publisher : Lembaga Riset Mutiara Akbar NOMOR AHU-0003295.AH.01.07 TAHUN 2021

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56495/hs.v5i2.1133

Abstract

This study aims to analyze the relationship between the Human Development Index (HDI) and poverty levels in 33 regencies/cities across North Sumatra Province in 2023. The background of this research is rooted in the regional disparities in welfare and the strategic role of human development in poverty alleviation efforts. The data used are secondary data sourced from Statistics Indonesia (BPS), comprising HDI scores and poverty rates. The analytical methods applied include descriptive analysis, the Shapiro-Wilk normality test, and the Spearman rank correlation test, which is appropriate for non-normally distributed data. The findings reveal a significant negative correlation between HDI and poverty with a Spearman correlation coefficient of -0.5936 and a p-value of 0.0003. This indicates that regions with higher HDI tend to have lower poverty rates. The results highlight the importance of improving education quality, healthcare services, and living standards as key strategies in reducing poverty. This study is expected to contribute to the formulation of inclusive regional development policies that prioritize human well-being.