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THE INFLUENCE OF THIRD-PARTY FUNDS, NON-PERFORMING LOANS (NPL) ON CREDIT DISTRIBUTION WITH PROFITABILITY AS INTERVENING VARIABLE IN COMMERCIAL BANKS Hermuningsih, Sri; Sari, Pristin Prima; Rahmawati, Anisya Dewi
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 4, No 02 (2020): IJEBAR, VOL. 04 ISSUE 02, JUNE 2020
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v4i02.988

Abstract

Banks are financial institutions that collect and distribute funds in the forms of deposits such as savings, deposits, current accounts, etc. from and for people who need funds for various needs, such as for consumption, working capital or business capital, housing and investment. In addition, banks must help the community to improve their living standards by distributing funds or giving credit to people who need funds. This is in accordance with the function of the bank itself, namely the bank as the distributor of funds. The purpose of this research is to examine and obtain evidence about factors that influence loan distribution at a bank. Internal factors that influence loan distribution are Third Party Funds, Non-Performing Loans, and Profitability. Efforts to increase credit at banks require optimal efforts to raise third-party funds, good credit management, and capital strengthening. This type of research is quantitative research with purposive sampling technique. The population used in this study is commercial banks from 2013 to 2017. The data come from commercial bank financial statements. As the benefit of this research the government can use it as a mapping material for distributing loan to commercial banks; the bank management can take it into consideration in making commercial bank lending policies. The results of the research show that profitability can mediate the relationship between third party funds and non-performing loans on loan distribution. Third party funds have a significant positive effect on loan distribution. Non-Performing Loans have a significant negative effect on loan distribution. Keywords: LOAN DISTRIBUTION, THIRD PARTY FUNDS, NON-PERFORMING LOANS, AND PROFITABILITY
Granger Causality Test of Net Interest Margin and Liquidity Sari, Pristin Prima; Putra, Ardian Prima; Rinofah, Risal
Jurnal Analisis Bisnis Ekonomi Vol 18 No 2 (2020)
Publisher : Universitas Muhammadiyah Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31603/bisnisekonomi.v18i2.3821

Abstract

The study aims to compute causality Granger test on Net Interest Margin (NIM) and liquidity Bank Listed in Indonesia Stock Exchange for the period 2014-2018. Variable of liquidity uses proxies Legal Reserve Requirement (LRR) and Loan to Deposit Ratio (LDR). The statistics tool is E-Views 8th with Granger Causality test. The Data research is financial statement Bank in IDX. We provide finding in the relationship among NIM, LRR and liquidity ratio Bank. We found result that there is Granger causality NIM and LRR, NIM and Loan to Deposit Ratio (liquidity) and Reserve Requirement and LDR. The study is beneficial for management bank to make policy in net interest margin and liquidity, for future research to develop empirical literature in net interest margin, Legal Reserve Requirement and Loan to Deposit Ratio.
Pengaruh return on equity (roe), price to book value (pbv), dan debt to equity ratio (der) terhadap price earning ratio (per) pada perusahaan manufaktur sektor industri barang dan konsumsi yang terdaftar di bursa efek indonesia tahun 2015-2019 Melliana, Nadhya; Wiyono, Gendro; Sari, Pristin Prima
JURNAL MANAJEMEN Vol 13, No 4 (2021)
Publisher : Faculty of Economics and Business Mulawarman University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29264/jmmn.v13i4.10302

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh Return on Equity (ROE), Price to Book Value (PBV), dan Debt to Equity Ratio (DER) terhadap Price Earning Ratio (PER) pada perusahaan manufaktur sektor industri barang dan konsumsi yang terdaftar di Bursa Efek Indonesia (BEI) pada periode tahun 2015-2019. Pada penelitian ini metode yang digunakan menggunakan jenis data kuantitatif. Analisis data yang digunakan pada penelitian ini menggunakan analisis deskriptif, uji asumsi klasik, uji regresi linear berganda, uji hipotesis, dan uji koefisien determinan yang dibantu dengan program SPSS. Dalam pengambilan sampel penelitian ini menggunakan metode purposive sampling. Maka, sampel yang diperoleh 11 perusahaan yang sudah memenuhi kriteria penelitian dan data penelitian yang dikumpulkan 55 data selama 5 tahun. Hasil penelitian ini menunjukan bahwa Return on Equity (ROE) berpengaruh negatif dan signifikan terhadap Price Earning Ratio (PER). Namun pada variabel Price to Book Value (PBV) berpengaruh positif dan signifikan terhadap Price Earning Ratio (PER). Sedangkan, variabel Debt to Equity Ratio (DER) berpengaruh negatif dan tidak signifikan terhadap Price Earning Ratio (PER).
Kekuatan rasio likuiditas, aktivitas, leverage, profitabilitas, dan arus kas operasi dalam memprediksi kondisi financial distress perusahaan Rinofah, Risal; Sari, Pristin Prima; Fidiastuti, Fitri
JURNAL MANAJEMEN Vol 13, No 4 (2021)
Publisher : Faculty of Economics and Business Mulawarman University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29264/jmmn.v13i4.10351

Abstract

Penelitian ini bertujuan untuk menguji pengaruh likuiditas, aktivitas, leverage, profitabilitas, dan arus kas operasi terhadap financial distress. Metode yang dipilih adalah dengan menggunakan analisis model Zmijewski karena menggunakan data yang didapat dari laporan keuangan dan diolah sebagai ukuran kesehatan keuangan perusahaan. Dalam penelitian ini obyek yang digunakan merupakan sub sektor tekstil dan garmen yang terdaftar di Bursa Efek Indonesia (BEI) periode 2016-2020. Jenis penelitian ini adalah penelitian kuantitatif. Sampel dalam penelitian ini diperoleh dengan menggunakan metode purposive sampling, yaitu pemilihan sampel dengan kriteria-kriteria yang telah ditentukan. Berdasarkan metode purposive sampling tersebut didapatkan sebanyak 17 sampel dari 21 perusahaan tekstil dan garmen tahun 2016-2020. Metode analisis data yang digunakan adalah regresi linier berganda dengan menggunakan program SPSS versi 25. Hasil penelitian menunjukkan bahwa likuiditas, profitabilitas, dan arus kas operasi berpengaruh negatif signifikan terhadap financial distress. Sedangkan aktivitas dan leverage berpengaruh positif signifikan terhadap financial distress.
Analisis Pengaruh Rasio Lancar, Perputaran Piutang, dan Rasio Hutang terhadap Return on Asset pada Perusahaan Food and Beverage Rahmawati, Nor; Wiyono, Gendro; Sari, Pristin Prima
J-MAS (Jurnal Manajemen dan Sains) Vol 9, No 1 (2024): April
Publisher : Universitas Batanghari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/jmas.v9i1.1537

Abstract

This study aims to analyze the effect of current ratios, accounts receivable turnover, and debt to asset ratios on ROA in Food and Beverage Companies listed on the Indonesia Stock Exchange for the period 2018 to 2021. The population taken in this study was 72 companies. With a sample of 25 companies. The sampling technique is using purposive sampling technique. The place of research used is the Indonesia Stock Exchange on financial report data for food and beverage companies. The time for data collection is from 2018 to 2021. The results of the current ratio variable test have a significance value of 0.296 > 0.05 with a t value of 1.053 and a coefficient of 0.114. Receivables turnover variable has a significance value of 0.421 > 0.05 with a t value of 0.810 and a coefficient value of 0.073. The debt to asset ratio variable has a significance value of 0.000 < 0.05 with a t value of -5.814 and a coefficient value of -0.661. Based on the research results, the following results are obtained: a. The current ratio variable has no effect on return on assets. b. Receivables turnover variable has no effect on return on assets. c. The debt ratio variable has an effect on return on assets..
PENGARUH PROFITABILITAS, UKURAN PERUSAHAAN, STRUKTUR MODAL, DAN LIKUIDITAS TERHADAP NILAI PERUSAHAAN Aprilianingsih, Ratna; Sari, Pristin Prima; Maulida, Alfiatul
Jurnal Manajemen Terapan dan Keuangan Vol. 13 No. 03 (2024): Jurnal Manajemen Terapan dan Keuangan
Publisher : Program Studi Manajemen Pemerintahan dan Keuangan Daerah Fakultas Ekonomi dan Bisnis Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jmk.v13i03.32876

Abstract

Penelitian ini bertujuan untuk mengidentifikasi profitabilitas, ukuran perusahaan, struktur modal, dan likuiditas dalam mempengaruhi nilai perusahaan pada perusahaan makanan dan minuman yang terdaftar di Bursa Efek Indonesia pada tahun 2019-2022. Jenis penelitian yang digunakan adalah penelitian kuantitatif dengan metode purposive sampling. Data yang dianalisa diperoleh dari laporan keuangan sebanyak 83 entitas perusahaan makanan dan minuman, kemudian akan diolah menggunakan Statistical Product and Service Solutions (SPSS). Berdasarkan Analisa yang dilakukan ditemukan bahwa Profitabilitas berpengaruh positif signifikan terhadap nilai perusahaan,, Ukuran Perusahaan tidak berpengaruh terhadap nilai perusahaan, Struktur Modal berpengaruh positif signifikan terhadap nilai perusahaan, Likuiditas berpengaruh tidak signifikan terhadap nilai perusahaan.
The Effect of Financial Literacy, Technology Financial Literacy and Financial Inclusion on MSME Performance Pranisya, Rizal; Sari, Pristin Prima; Maulida, Alfiatul
Jurnal Ekonomi dan Bisnis Vol 25, No 2 (2024): JURNAL EKONOMI DAN BISNIS
Publisher : Department of Management, Faculty of Economics, Universitas Islam Sutan Agung, Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ekobis.25.2.244-255

Abstract

Financial management is key in the performance of MSMEs where if business owners cannot manage their finances, it is certain that their business performance will not run well. In order for MSME businesses to run well, it is very necessary for business actors to understand financial literacy, financial technology and financial inclusion that can improve the performance of MSMEs. Finance to get welfare for MSME actors. This study aims to determine the effect of financial literacy, fintech and financial inclusion on the performance of MSMEs in Yogyakarta City. The research method uses quantitative, the population in this study were MSMEs in the City of Yogyakarta. The sample of this research is Micro MSMEs in Yogyakarta City and has a maximum of 5 employees, the sampling technique used purposive sampling with the Slovin formula with a standard error of 10% so that a sample size 63 businesses was obtained. The analysis tool used for testing is SPSS version 25. The results showed that financial literacy and financial inclusion had a positive and significant effect on the performance of micro MSMEs in Yogyakarta City while fintech had no positive and significant effect on the performance of micro MSMEs in Yogyakarta City. The three variables namely financial literacy, financial literacy technology and financial inclusion as a whole have a simultaneous influence on the performance of micro MSMEs in Yogyakarta City.
The Moderating Effect of Income Diversification on Intellectual Capital and Company Performance in Indonesian Banking Wahyuningtias, Eko; Sari, Pristin Prima; Kusumawardhani, Ratih
Jurnal Keuangan dan Perbankan Vol 27, No 3 (2023): July 2023
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jkdp.v27i3.11449

Abstract

This research aims to examine the influence of intellectual capital on company performance, the moderating effect of revenue diversification, and provide additional insight into intellectual capital. This research uses 38 banks in Indonesia that are listed on the Indonesia Stock Exchange (BEI) out of a total of 47 banks as research samples. The collected data was analyzed using linear regression and moderated regression analyses to test the effect of intellectual capital on company performance and the moderating impact of income diversification on intellectual capital and company performance. The results of the regression analysis show that intellectual capital (VAIC) has a positive effect on company performance. In contrast, income diversification is having a moderating impact on intellectual capital and company performance. The intellectual capital component has varying influences on company performance. Whereas VACA positively affects company performance, VAHU also positively impacts company performance. At the same time, STVA does not affect company performance. Based on the moderation test, income diversification does not moderate the relationship between intellectual capital components and company performance.DOI: 10.26905/jkdp.v27i3.11449
THE INFLUENCE OF RETURN ON ASSETS, DEBT TO EQUITY RATIO, AND CURRENT RATIO ON STOCK PRICES WITH PRICE EARNING RATIO AS A MODERATION VARIABLE (Case Study of Food and Beverage Companies Listed on the Indonesian Stock Exchange 2018-2022) Retnodamayanti, Silvia; Rinofah, Risal; Sari, Pristin Prima
International Conference on Humanity Education and Society (ICHES) Vol. 3 No. 1 (2024): Third International Conference on Humanity Education and Society (ICHES)
Publisher : FORPIM PTKIS ZONA TAPAL KUDA

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research aims to test and understand the influence of return on assets, debt to equity ratio, and current ratio on stock prices with price earnings ratio as a moderating variable. The population in this research is all food and beverage companies listed on the Indonesia Stock Exchange in 2018-2022, namely 84 companies. The sampling technique used uses a purposive sampling method, namely a sampling technique that is carried out based on certain considerations. The data analysis method in this research is multiple regression analysis and Moderated Regression Analysis (MRA) using SPSS version 26 software. Based on the results of the hypothesis test, it is concluded that return on assets has a significant positive effect on stock prices, the debt to equity ratio has a negative but not significant effect on stock prices, the current ratio has a positive effect. but not significant to stock prices. The results of the price earnings ratio moderation test were able to moderate the influence of return on assets on stock prices, while the price earnings ratio was not able to moderate the influence of debt to equity ratio, current ratio on share prices.
Optimizing Centralized Financial Management for MSMEs in the Mbulak Wilkel Tourism Area of Bantul with the Approaches of (Tri-N) Niteni, Nirokke, Nambahi, and Tri Pantangan Suciani, Leni; Pitaloka, Dyah Ayu; Sari, Serly Faisa Nur Fatika; Rifaldi, Rifaldi; Setiawan, Miko; Sari, Pristin Prima
IJCS: International Journal of Community Service Vol. 3 No. 2 (2024): July-December
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijcs.v3i2.1143

Abstract

This study aims to optimize centralized financial management for MSMEs in the Mbulak Wilkel tourism area of Bantul through a local wisdom-based approach, specifically the concepts of "Niteni, Nirokke, Nambahi," along with the "Tri Pantangan" teachings of Ki Hadjar Dewantara. This community service program, involving students and faculty from Universitas Sarjanawiyata Tamansiswa, emphasizes a one-door cashier system to enhance financial efficiency and transparency. The methods employed include socialization, training, and the implementation of simple digital technologies such as MokaPOS to facilitate transaction recording. The results indicate that local-based approaches and community cooperation significantly encourage resident participation in more professional and effective centralized management.