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All Journal Jurnal Abdimas Hawari International Journal of Management, Economic and Accounting
Rahmad Gusrifa
Unknown Affiliation
Automotive Engineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Financial Report Analysis with Trends in Changes in PT Samudera Indonesia's Profitability Ratios Rahmad Gusrifa
International Journal of Management, Economic and Accounting Vol. 3 No. 5 (2025): October 2025
Publisher : Yayasan Multidimensi Kreatif

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Abstract

This study aims to analyze the financial statements of PT Samudera Indonesia using a trend approach to changes in profitability ratios. The profitability ratios analyzed include Return on Assets (ROA), Return on Equity (ROE), and Net Profit Margin (NPM), which provide an overview of how efficiently a company generates profits relative to assets, equity, and revenue. The data used in this study are PT Samudera Indonesia's financial statements for the last five years, from 2019 to 2023. The analytical method used is quantitative descriptive analysis by calculating changes in profitability ratios each year and identifying trends that occur. The results of the study indicate fluctuations in profitability ratios influenced by internal and external factors of the company, including management policies and market conditions. These findings are expected to provide useful information for stakeholders in making investment decisions and provide recommendations to improve the company's performance in the future.
SOSIALISASI PENERAPAN SERVICE EXCELLENT OLEH LOAN SERVICE PADA BANK BTN KANTOR CABANG MEDAN (KCP MEDAN HELVETIA) Rahmad Gusrifa
Jurnal Abdimas HAWARI : Jurnal Pengabdian Kepada Masyarakat Vol 5 No 2 (2025): November 2025
Publisher : CV. HAWARI

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Pengabdian kepada masyarakat ini bertujuan untuk meningkatkan pemahaman dan penerapan konsep service excellent oleh tim Loan Service pada Bank BTN Kantor Cabang Medan (KCP Medan Helvetia), guna meningkatkan kualitas pelayanan terhadap nasabah, khususnya dalam layanan produk kredit perumahan. Service excellent sangat penting untuk menciptakan kepuasan nasabah dan mempertahankan loyalitas mereka dalam jangka panjang. Kegiatan pengabdian ini dilaksanakan melalui sosialisasi yang melibatkan seluruh staf dan manajer pada divisi Loan Service, dengan metode ceramah, diskusi, dan simulasi penerapan prinsip-prinsip service excellent dalam proses pelayanan. Fokus dari sosialisasi ini mencakup beberapa aspek penting, seperti kecepatan, keterampilan komunikasi, responsivitas terhadap keluhan, serta sikap ramah dan profesional dalam berinteraksi dengan nasabah. Hasil dari pengabdian ini menunjukkan bahwa peserta mengalami peningkatan pemahaman terkait pentingnya penerapan service excellent dalam meningkatkan pengalaman nasabah. Selain itu, peserta juga mampu mengidentifikasi beberapa area yang perlu diperbaiki dalam pelayanan, seperti proses administrasi dan penanganan keluhan nasabah. Pengabdian ini diharapkan dapat membantu Bank BTN KCP Medan Helvetia dalam mengoptimalkan pelayanan kepada nasabah serta memperkuat daya saingnya di industri perbankan.
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