Claim Missing Document
Check
Articles

Found 3 Documents
Search

THE EFFECT OF CAR, NIM, BOPO, AND LDR ON ROA IN BUMN BANKS IN THE PERIOD 2013-2022 Agnes Thandania Blessky; Herlin Munthe; Bayu Wulandari; Kiki Hardiansyah Siregar
International Journal of Accounting, Management, Economics and Social Sciences (IJAMESC) Vol. 1 No. 5 (2023): October
Publisher : ZILLZELL MEDIA PRIMA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61990/ijamesc.v1i5.103

Abstract

This study aims to see the effect of CAR (Capital Adequacy Ratio), NIM (Net Interest Margin), BOPO (Operating et al.), and LDR (Loan to Deposit Ratio) on ROA (Return on Assets) in BUMN Banks in the period 2013 - 2022. The data source for this research is secondary through the websites of each company listed on the Indonesia Stock Exchange. The population used in this study The population in this study are state-owned banks listed on the Bursa Efek Indonesia (BEI). The sample in this study is the financial statements of state-owned banks, namely Reports on Calculation of CAR, NIM, BOPO, LDR, and ROA financial ratios for 2013-2022, a total of 40 samples. The analysis technique used is R Square analysis and Path Analysis. The results of the study show that NIM and LDR have a positive effect on ROA. CAR and BOPO hurt ROA, while CAR, NIM, BOPO, and LDR affect ROA in R Square.
Analysis Of Exchange Rates And Inflation On Gross Domestic Product In Indonesia Fahrul Yusro Kudadiri; Kiki Hardiansyah Siregar; Dewi Mahrani Rangkuty
International Journal of Management, Economic and Accounting Vol. 3 No. 1 (2025): February 2025
Publisher : Yayasan Multidimensi Kreatif

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

Abstract

This study aims to analyze the exchange rate and inflation of Gross Domestic Product in Indonesia. Where there is a Bound Variable, namely Gross Domestic Product and there are two Independent Variables, namely Exchange Rate and Inflation. This study uses secondary data by searching for data through the websites of BPS (Central Statistics Agency) and the World Bank. The data analysis model in this study uses multiple linear regression. The results of the study show that exchange rate variables and inflation have a significant effect on Gross Domestic Product in Indonesia.
Penerapan Akhlak Produsen Muslim dalam Perspektif Etika Bisnis Islam: Upaya Membangun Kepercayaan Konsumen dan Keberlanjutan Usaha Kasmawati; Mahyarni; Kiki Hardiansyah Siregar
El-Iqthisadi Vol 7 No 2 (2025): Desember
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/el-iqthisady.v7i2.61914

Abstract

Abstrak Penerapan akhlak produsen Muslim dalam perspektif etika bisnis Islam sebagai upaya membangun kepercayaan konsumen dan menjaga keberlanjutan usaha. Latar belakang penelitian dari fenomena praktik curang dalam produksi dan pemasaran yang mengabaikan nilai moral demi keuntungan, sehingga menurunkan kepercayaan konsumen. Etika bisnis Islam menekankan prinsip-prinsip keadilan, kejujuran, amanah, transparansi, serta tanggung jawab sosial yang tidak hanya bernilai spiritual, tetapi juga strategis dalam dunia usaha. Metode penelitian ini menggunakan penelitian kepustakaan dengan pendekatan kualitatif, melalui analisis literatur, jurnal, dan karya ilmiah terkait. Hasil penelitian menunjukkan bahwa penerapan akhlak Islami pada produsen berdampak positif terhadap kepercayaan, loyalitas, dan kepuasan konsumen, serta memperkuat reputasi dan daya saing usaha. Sebaliknya, pengabaian akhlak dapat merusak citra dan mengancam keberlanjutan bisnis. Kesimpulannya, penerapan etika bisnis Islam bukan hanya sebagai pedoman moral, tetapi juga sebagai strategi keberlanjutan yang relevan dalam menghadapi tantangan globalisasi dan persaingan pasar Kata Kunci: Akhlak Produsen, Etika Bisnis Islam, Kepercayaan Konsumen, Keberlanjutan Usaha   Abstract This study examines the application of Muslim producers’ ethics within the framework of Islamic business ethics as a strategy to build consumer trust and ensure business sustainability. Fraudulent practices in production and marketing that neglect moral values often reduce consumer confidence. Islamic business ethics emphasizes justice, honesty, trustworthiness, transparency, and social responsibility principles that are both spiritual and strategic. Using a qualitative library research method, this study finds that implementing Islamic ethical values positively influences consumer trust, loyalty, and satisfaction, while enhancing business reputation and competitiveness. Conversely, neglecting ethics undermines public trust and threatens sustainability. Thus, Islamic business ethics functions not only as a moral guideline but also as a strategic approach to face globalization and market competition. Keywords: Islamic Business Ethics, Producer Ethics, Consumer Trust, Sustainability