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Pengaruh Capital Adequacy Ratio Dan Non Performing Loan Terhadap Rerurn On Assets Pada PT. Bank Bumi Arta Tbk. Abbas, Muliati; Sadariah; Hajar Andriana, Nurul; Afriyani
Khazanah Journal: Economics, Muamalah & Entrepreneurship Vol. 2 No. 2 (2025)
Publisher : LPPM STIE Tri Dharma Nusantara - Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53654/kh.v2i2.653

Abstract

The purpose of this study is to determine the Effect of Capital Adequacy Ratio and Non-Performing Loan on Return On Asset in PT. Bank Bumi Arta, Tbk. The types of data used in this study are qualitative and quantitative. The data source used in this study is secondary data. The analysis methods used are descriptive analysis and multiple linear regression, determination coefficient (R2), correlation coefficient (r), t-test, and F test. The results of this study show the regression equation Y = 0.975 + 0.006X1 - 0.236X2, determination coefficient, (R2) = 99.5% and correlation coefficient (R) = 0.997. Simultaneously, the Capital Adequacy Ratio and Non-Performing Loan have a significant effect on Return On Asset. Partially Capital Adequacy Ratio has a positive and significant effect on the Return On Asset, Non-Performing Loans has a negative and significant effect on Return On Aset at PT. Bank Bumi Arta Tbk . Thus Hypothesis 1, hypothesis 2, and hypothesis 3 are rejected.
PELATIHAN DAN SEMINAR PEMBERDAYAAN WANITA PELAKU UMKM DI KAWASAN PANTAI BIRU Yasin, Nurfatwa Andriani; Afriyani, Afriyani; Asmawiyah, Asmawiyah; Abbas, Muliati; Islamiah, Nurhidayati; Agustuty, Lasty; Zulaeha, Wisda
Arunika: Jurnal Pengabdian Masyarakat Vol. 4 No. 2: Desember 2025
Publisher : Unit Publikasi dan Jurnal Sekolah Tinggi Ilmu Ekonomi Tri Dharma Nusantara Makassar

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Abstract

Women micro, small, and medium enterprise (MSME) actors in the Pantai Biru area play a strategic role in supporting household economies and driving the economic development of coastal communities. However, limited knowledge of entrepreneurship, business management, and financial literacy remains a major constraint to business development and sustainability. This Community Service program aims to enhance the entrepreneurial capacity of women MSME actors through entrepreneurship seminars and basic business management training. The implementation methods include interactive lectures, simple case studies, and participatory discussions to encourage active participant engagement. The results indicate an improvement in participants’ understanding of basic entrepreneurial concepts, the importance of financial record-keeping, and awareness of more effective marketing strategies. In addition, the program increases participants’ motivation and self-confidence in managing their businesses independently and sustainably. This activity is expected to serve as an initial step in strengthening women’s economic empowerment and the economic resilience of coastal households in the Pantai Biru area.