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The Influence of Financial Statements on Investment Decision-Making at Bank Neo Commerce Based on the 2023 Financial Report Ramadhan, Yanuar; Ramdani, Novi Afriyani; Tjandra, Clarissa; Muallifah, Siti; Roviuddin, Roviuddin
Eduvest - Journal of Universal Studies Vol. 5 No. 2 (2025): Eduvest - Journal of Universal Studies
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/eduvest.v5i2.1621

Abstract

This study analyzes the financial statements of Bank Neo Commerce for the year 2023 to evaluate financial performance and its impact on management and investment decisions. Data were obtained from the annual financial statements, including the balance sheet, income statement, cash flow statement, and statement of changes in equity. The analysis focused on liquidity, solvency, and profitability ratios to assess the bank's financial health and operational efficiency. The results indicate that Bank Neo Commerce experienced a 20% increase in total assets from IDR 8.3 trillion to IDR 10 trillion, with annual revenue reaching IDR 900 billion and a net loss of IDR 515 billion. The liquidity ratio was at a healthy level of 1.4, while the solvency ratio of 0.4 indicates moderate use of debt relative to equity. The profitability ratio remained stable at 16.7%, reflecting the bank's ability to maintain strong profit margins despite competitive market conditions. The study also evaluated the impact of digitalization strategies and product innovation on financial performance. Bank Neo Commerce successfully attracted new customer segments and improved operational efficiency through the implementation of digital technology and app-based banking services. The implications of these findings suggest that effective digitalization strategies can enhance the bank's competitiveness and overall financial performance. In conclusion, the 2023 financial statements of Bank Neo Commerce indicate solid performance with positive growth prospects. These findings are expected to serve as a reference for the bank's management in strategic decision-making and for investors in assessing investment potential.
Implementation of Value Stream Mapping to Increase PT RCI's Productivity and Efficiency Saputro, Setiawan Dwima; Faizah, Salma; Ramdani, Novi Afriyani; Andika, Dade; Gunawan, Rinaldi Aditya
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 3 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i3.5697

Abstract

Competition in the logistics business requires companies to develop and increase production efficiency and effectiveness. One of the companies operating in the logistics sector is PT. RCI found many problems during the warehousing service process. This hampers other processes. The problem faced by companies is not achieving production targets because there are still many non-value-added activities that are classified as waste. The research aims to eliminate waste that occurs in the Quality Control process, or checking goods at PT. RCI with a lean manufacturing approach. The lean manufacturing method used is value stream mapping (VSM) to analyze the dominant waste in the manufacturing process. Based on the results of the analysis, three recommendations for improvement were obtained, namely the use of forklifts, additional work tools, and additional changes to the layout of the goods checking location. Recommendations from the results obtained an increase in the Process Cycle Efficiency value of 29.50%.