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All Journal Jurnal Ekonomi Manajemen Bisnis dan Akuntansi Jurnal Sosio dan Humaniora
Gunawan, Alfaz Syihab
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Other

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ANALISIS MINAT REMAJA DALAM MENGGUNAKAN MOBILE BANKING SEBAGAI ALAT TRANSAKSI KEUANGAN Afrizal, Rifa; Gunawan, Alfaz Syihab; Gunawan, Irfan; Hatimatunnisani, Hani
Jurnal Sosio dan Humaniora (SOMA) Vol 4 No 1 (2025): JURNAL SOSIO DAN HUMANIORA : SOMA
Publisher : LPPM Politeknik Pajajaran ICB

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59820/soma.v4i1.369

Abstract

This study aims to analyze the interest of teenagers in utilizing mobile banking as a means of financial transactions in the digital era. The type of research used is quantitative with a descriptive approach, data obtained through a questionnaire to 84 respondents. The results of the study showed a fairy high interest of teenagers in using mobile banking. Knowledge and understanding of the features used are also quite good. Teenagers' interest in utilizing mobile banking as a means of financial transactions is influenced by a number of factors, such as ease of use, benefits, and trust in system security.
PENERAPAN METODE CAMEL DALAM MENILAI TINGKAT KESEHATAN PT BANK RAKYAT INDONESIA (PERSERO) TBK PERIODE 2023-2025 Gunawan, Alfaz Syihab; Novi Amelia, Dilla; Siti Zahra, Zauzia; Rohmat, Dede; hatimatunnisani, Hani
Jurnal Ekonomi Manajemen Bisnis Dan Akuntansi : EMBA Vol 4 No 2 (2026): JURNAL EKONOMI MANAJEMEN BISNIS dan AKUNTANSI : EMBA
Publisher : Pusat Penelitian dan Pengabdian pada Masyarakat (P3M) Politeknik Pajajaran ICB Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59820/emba.v4i2.479

Abstract

This study aims to analyze the financial soundness level of PT Bank Rakyat Indonesia (Persero) Tbk during the 2023–2025 period using the CAMEL method. The CAMEL method evaluates bank soundness based on five main aspects: Capital, Asset Quality, Management, Earnings, and Liquidity. This research employs a descriptive quantitative approach using secondary data obtained from the officially published annual financial statements of Bank BRI. The ratios analyzed include the Capital Adequacy Ratio (CAR), Productive Asset Quality Ratio (KAP), Net Profit Margin (NPM), Return on Assets (ROA), Operating Expenses to Operating Income (BOPO), and Loan to Deposit Ratio (LDR). The results indicate that, in general, the financial soundness of Bank BRI during the 2023–2025 period is classified as sound, with capital adequacy in a very sound condition. However, aspects related to management performance and operational efficiency still require attention, as reflected by declining profitability ratios and increasing operating expenses. This study is expected to provide useful references for related stakeholders and future research in the banking sector.
Co-Authors Afrizal, Rifa Dede Rohmat Gunawan, Irfan Hani Hatimatunnisani Novi Amelia, Dilla Siti Zahra, Zauzia