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All Journal Journal of Economic, Bussines and Accounting (COSTING) Management Studies and Entrepreneurship Journal (MSEJ) Journal of Management Analytical and Solution Journal Of Management Analytical and Solution (JoMAS)
Mutia Fitri Chania
Universitas Sumatera Utara
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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The The Influence Of Return On Assets (ROA) And Capital Adequacy Ratio (CAR) On Profit Growth In The Banking Sector Listed On The Indonesia Stock Exchange For The Period 2021 – 2023 Agnessia Ketaren; Jessi Charina Sembiring; Mutia Fitri Chania
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 6 No. 4 (2025): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v6i4.8282

Abstract

This study aims to examine the influence of Return on Assets (ROA) and Capital Adequacy Ratio (CAR) on profit growth using a descriptive quantitative approach with an explanatory research design. The population includes all companies in the sector listed on the Indonesia Stock Exchange (IDX) for the period 2021–2023, with 33 companies selected as samples through purposive sampling, resulting in a total of 99 observations. The data analysis process applies multiple linear regression. The F-test results confirm a significant simultaneous effect of ROA and CAR on profit growth (F count 21.949; p < 0.05). The t-test shows a negative and significant partial effect from both variables. The coefficient of determination (Adjusted R²) of 0.456 indicates that 45.6% of the variation in profit growth can be explained by ROA and CAR, while the remaining variation is influenced by other factors not included in this study.
Generation Y and Digital Transformation: Determinants of Intention to Adopt E-Payment Heri Faisal Harahap; Mutia Fitri Chania
Journal Of Management Analytical and Solution (JoMAS) Vol. 5 No. 1 (2025): Journal Of Management Analytical and Solution (JOMAS)
Publisher : TALENTA Publisher, Universitas Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32734/jomas.v5i1.19535

Abstract

This study examines the factors influencing Generation Y’s intention to adopt ePayment services, using the Technology Acceptance Model (TAM) framework.The study involved 200 Generation Y respondents. The variables tested includeperceived usefulness, perceived ease of use, perceived risk, and subjectivenorms. Structural Equation Modeling-Partial Least Square (SEM-PLS) analysisrevealed that all variables significantly influence the intention to adopt ePayment. The findings indicate that perceived usefulness and ease of use havethe most substantial impact, reflecting the importance of efficient and accessiblesystems for users. Conversely, perceived risk, particularly concerning securityand privacy, acts as a primary barrier, highlighting the need for more securesystem development. Subjective norms also influence user intentions throughsocial pressures from family, friends, and other significant figures. This studyunderscores the importance of addressing perceived risks, enhancing systemusability, and leveraging social influence to promote e-Payment adoption amongGeneration Y. The findings offer strategic insights for technology developers,policymakers, and marketers to optimise e-Payment implementation and userengagement.
Generation Y and Digital Transformation: Determinants of Intention to Adopt E-Payment Heri Faisal Harahap; Mutia Fitri Chania
Journal Of Management Analytical and Solution (JoMAS) Vol. 5 No. 1 (2025): Journal Of Management Analytical and Solution (JOMAS)
Publisher : TALENTA Publisher, Universitas Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32734/jomas.v5i1.19535

Abstract

This study examines the factors influencing Generation Y’s intention to adopt ePayment services, using the Technology Acceptance Model (TAM) framework.The study involved 200 Generation Y respondents. The variables tested includeperceived usefulness, perceived ease of use, perceived risk, and subjectivenorms. Structural Equation Modeling-Partial Least Square (SEM-PLS) analysisrevealed that all variables significantly influence the intention to adopt ePayment. The findings indicate that perceived usefulness and ease of use havethe most substantial impact, reflecting the importance of efficient and accessiblesystems for users. Conversely, perceived risk, particularly concerning securityand privacy, acts as a primary barrier, highlighting the need for more securesystem development. Subjective norms also influence user intentions throughsocial pressures from family, friends, and other significant figures. This studyunderscores the importance of addressing perceived risks, enhancing systemusability, and leveraging social influence to promote e-Payment adoption amongGeneration Y. The findings offer strategic insights for technology developers,policymakers, and marketers to optimise e-Payment implementation and userengagement.
PENGARUH RASIO KEUANGAN TERHADAP KINERJA KEUANGAN SEKTOR PERBANKAN (STUDI KASUS PERUSAHAAN SEKTOR PERBANKAN YANG TERCATAT DI BURSA EFEK INDONESIA PERIODE 2020-2023) Felicia Frederica Kusuma; Viony Vebiony; Jessi Charina Sembiring; Mutia Fitri Chania
Journal of Economic, Bussines and Accounting (COSTING) Vol. 8 No. 4 (2025): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/m2v51v71

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh rasio keuangan sektor perbankan (studi kasus perusahaan sektor perbankan yang tercatat di bursa efek Indonesia periode 2020-2023). Metode penelitian yang digunakan dalam penelitian ini mneggunakan metode penelitian kuantitatif. Populasi penelitian ini adalah seluruh perusahaan sektor perbankan yang tercatat di Bursa Efek Indonesia berjumlah 47 perusahaan. Sampel penelitian yang diperoleh adalah 124 sampel. Metode analissis data yang digunakan adalah menggunakan analisis regresi linear berganda. Hasil penelitian menunjukkan bahwa rasio keuangan secara parsial hanya uji NPL yang tidak berpengaruh terhadap ROA karena nilai dari thitung -0.647 < ttabel 1.7032 dengan p-value lebih besar dari 0,05 sedangkan di rasio CAR dan LDR memiliki pengaruh signifikan secara parsial terhadap ROA. Secara simultan rasio CAR, NPL, dan LDR memiliki pengaruh terhadap ROA dapat dilihat dari hasil koefisien determinasi. Hasil hitung dari koefisien determinasi (R^2) sebesar 0,138 atau 13.8% yang berarti besar pengaruh secara simultan variable CAR (Capital Adequacy Ratio), NPL (Non-Performing Loan) dan LDR (Loan to Deposit Ratio) terhadap kinerja keuangan (ROA) adalah sebesar 13.8%. Untuk sisanya 86.2% dipengaruhi oleh variabel lain yang tidak dibahas atau dijelaskan dalam penelitian ini.
Co-Authors Agnessia Ketaren Felicia Frederica Kusuma Heri Faisal Harahap Jessi Charina Sembiring Viony Vebiony