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All Journal Movere Journal Khazanah Journal: Economics, Muamalah dan Entrepreneurship Arunika: Jurnal Pengabdian Masyarakat
Abbas, Muliati
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Humanities Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Social Sciences

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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.
Peran Inklusi Keuangan dalam Meningkatkan Keberlanjutan UMKM Sektor Makanan di Kota Makassar Abbas, Muliati; Yasin, Nurfatwa Andriani; Andi Nur Insan
Movere Journal Vol. 8 No. 1 (2026)
Publisher : Sekolah Tinggi Ilmu Ekonomi (STIE) Tri Dharma Nusantara Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53654/mv.v8i1.743

Abstract

This study aims to analyze the role of financial inclusion in enhancing the sustainability of food-sector MSMEs in Makassar City. The research adopts a quantitative approach with an explanatory design. Primary data were collected through a survey of 100 food-sector MSME owners selected using purposive sampling. Data analysis was conducted using Pearson correlation analysis to identify the strength of the relationships between the dimensions of financial inclusion and MSME sustainability. The results indicate that digital finance has a positive, strong, and significant relationship with MSME sustainability (r = 0.793; p < 0.01). In contrast, financial services, the use of financial products, as well as the quality and affordability of financial services show weak and insignificant relationships with MSME sustainability. These findings suggest that the utilization of digital financial services plays a more substantial role in supporting MSME sustainability than mere access to conventional financial services.
Co-Authors Afriyani Afriyani Afriyani, Afriyani Andi Nur Insan Asmawiyah Asmawiyah Hajar Andriana, Nurul Lasty Agustuty Nurhidayati Islamiah Sadariah Yasin, Nurfatwa Andriani Zulaeha, Wisda