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Pengaruh Debt To Asset Ratio (DAR) Dan Debt To Equity Ratio (DER) Terhadap Return On Assets (ROA) Pada Bank Panin TBK PERIODE 2013–2023 Angela Anugrah; Dwi Maharani Putri; Suparjono
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 1 (2025): Juli - September
Publisher : CV. ITTC INDONESIA

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Abstract

This study aims to analyze the impact of Debt to Asset Ratio (DAR) and Debt to Equity Ratio (DER) on Return on Assets (ROA) at Bank Panin Tbk for the period 2013–2023. The research method employed is quantitative with both descriptive and verificative approaches. Data were obtained from the annual financial statements of Bank Panin and analyzed using multiple linear regression. The results indicate that DAR has a significant negative effect on ROA, while DER does not have a significant impact. Simultaneously, DAR and DER significantly influence ROA. These findings imply that effective management of debt structure can enhance the financial performance of Bank Panin.
UMKM GO DIGITAL: STRATEGI MEMPERLUAS PASAR DI ERA ONLINE Nurul Aisyah Rachmawati; Rizka Ramayanti; Erneza Dewi Krishnasari; Athallah Akmal; Dwi Maharani Putri; Ersya Pramestina Meilani; Anugrah Dafa Satria
Jurnal Pepadu Vol 6 No 3 (2025): Jurnal Pepadu
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/pepadu.v6i3.7874

Abstract

One of the classic problems often faced by Micro, Small, and Medium Enterprises (MSMEs) is low digital marketing literacy. A similar issue was also experienced by the MSME group fostered by the Jatibening Family Income Improvement Business (UP2K). Without this literacy, MSMEs struggle to develop effective and targeted marketing strategies. The community service team will provide training and mentoring to MSME partners regarding digital marketing strategies as a solution to the existing problem. This community service program is funded by the Directorate of Research and Community Service (DPPM) of the Ministry of Higher Education, Science, and Technology (KemdiktiSaintek) of the Republic of Indonesia through the BIMA Grant for the Community Partnership Empowerment scheme for the 2025 funding year. MSME partners were very enthusiastic in participating in the activity. It is hoped that with the right digital marketing strategy, MSME partners can reach a wider market, be more efficient in promotional costs, increase sales, understand consumer behavior, and clearly measure promotional results.