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Journal : JURNAL PUNDI

ANALISIS RASIO PROFITABILITAS UNTUK MENGUKUR KINERJA (Studi Kasus Pada PT. Bank Pembangunan Daerah Provinsi Sumatera Barat) Fernos, Jhon
JURNAL PUNDI Vol 1, No 2 (2017)
Publisher : AKBP-STIE "KBP" PADANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (496.956 KB) | DOI: 10.31575/jp.v1i2.25

Abstract

Tujuan penelitian ini adalah untuk menganalisis kinerja keuangan pada PT.Bank Pembangunan Daerah Propinsi Sumatera Barat berdasarkan rasio profitabilitasnya pada tahun 2013 sampai dengan tahun 2015. Penelitian ini dilaksanakan dalam rangka pengumpulan informasi tentang laporan keuangan tahun 2013 sampai dengan tahun 2015 yaitu neraca dan laporan laba rugi . Penelitian ini menggunakan dasar teori yaitu teori manajemen keuangan mengenai analisis kinerja keuangan berdasarkan rasio profitabilitas, alat analisis yang digunakan dalam penelitian ini, Biaya Operasional, Net Profit Margin, Return on Asset dan Return on Equity. Berdasarkan hasil analisis terlihat bahwa Biaya Operasional mengalami kenaikan pada tahun 2013 sampai 2014 dan mengalami penurunan pada tahun 2015, dilihat dari Net Profit Margin selama tiga tahun dimulai tahun 2013 sampai dengan tahun 2015 mengalami peningkatan, dan yang tertinggi dicapai pada tahun 2014. Kemudian Return On Equity dan  Return  On  Investment  yang  dicapai  selama  tahun  2013  sampai  dengan  tahun  2041,  hasilnya menunjukkan presentase yang sama, yaitu mengalami peningkatan di tahun 2014 dan mengalami penurunan di tahun 2011.Hasil penelitian ini menunjukkan bahwa kinerja perusahaan dalam mengelola keuangannya ditinjau dari rasio profitabilitasnya belum cukup stabil dan efisien untuk menjalankan operasi perusahaan sehari-hari. Keywords : Bank, Laporan Keuangan, Profitabilitas, Kinerja Keuangan
Analisis Loan To Deposit Ratio, Capital Adequacy Ratio dan Return On Assets PT. Bank Pembangunan Daerah Sumatera Barat Jhon Fernos; Elva Dona
JURNAL PUNDI Vol 2, No 2 (2018)
Publisher : AKBP-STIE "KBP" PADANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (294.259 KB) | DOI: 10.31575/jp.v2i2.73

Abstract

The purpose of this research is to investigate and analyze condition of Loan to Deposit Ratio (LDR), Capital Adequency Ratio (CAR) and Return On Assets (ROA) on PT. Bank Pembangunan Daerah Provinsi Sumatera Barat. Type of this research is descriptive quantitative research. Type of data in the research is primary and secondary data. The population that is used in this research is PT. Bank Pembangunan Daerah Sumatera Barat finance report begin 2016 until 2017. Analyze data technical is used of this research to calculate Loan to Deposit Ratio (LDR), Capital Adequency Ratio (CAR) and Return On Assets (ROA).Loan To Deposit Ratio (LDR) at PT. Bank Pembangunan Daerah Provinsi Sumatera Barat in 2016 and 2017 indicates that the level of liquidity of PT. Bank Pembangunan Daerah Provinsi Sumatera Barat is healthy because it is in the healthy category set by BI is LDR ≤ 94.75%. Capital Adequacy Ratio (CAR) Condition of PT. Bank Pembangunan Daerah Provinsi Sumatera Barat  in the period 2016-2017 is healthy because it is in the healthy category set by BI that is CAR ≥ 8%. Return On Assets (ROA) at PT. Pembangunan Daerah Provinsi Sumatera Barat in the period 2016 is healthy because it is in the healthy category set by the BI of ROA ≥ 1.215%. But in the year 2017 seen from the value of Return On Assets is quite healthy because it is in the category of healthy enough set by the BI of ROA <1.215%
Tingkat Kepuasan Nasabah Tabungan Sikoci Kasus Bank Nagari Cabang Pembantu UNP Padang Saiful Anwar; Jhon Fernos
JURNAL PUNDI Vol 2, No 2 (2018)
Publisher : AKBP-STIE "KBP" PADANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (319.368 KB) | DOI: 10.31575/jp.v2i2.87

Abstract

Analysis of Customer Satisfaction with Sikoci Savings at Bank Nagari Sub-Branch of UNP, to find out how satisfied the customers of Sikoci Savings, especially students, are in the facilities and facilities provided.  Sikoci Savings is Student Savings to get Student Identity Cards and ATMs, which can be used as SPP payments in any Bank Nagari ATM machine and as other financial transactions, which can facilitate students in paying tuition fees or SPP and other financial transactions.The method analysis statistic descriptive quantitative data collective from students UNP who have SIKOCI saving with non probability sampling use accidental sampling of 25 respondent July 2017. This research find from 5 dimention service quality generallay good but need improvement to maximize it. Keywords: Customer Satisfaction, Savings
Pengaruh Kualitas Layanan terhadap Kepuasan Nasabah Mobile Banking pada Bank Pembangunan Daerah Provinsi Sumatera Barat Jhon Fernos; Gwen Gietricen
JURNAL PUNDI Vol 3, No 2 (2019)
Publisher : AKBP-STIE "KBP" PADANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31575/jp.v3i2.157

Abstract

This study aims to analyze the effect of reliability, responsiveness, assurance (assurance), empathy (empathy) and direct evidence (tangibles) on satisfaction of mobile banking customers at the Regional Development Bank of West Sumatra Province. The research design is correlational. The population in this study were all Sharia banking customers in Surakarta City, a sample of 100 mobile banking customers at the Regional Development Bank of West Sumatra Province with a proportion of rendom sampling as a sampling technique. Data analysis in this  study used multiple linear regression (multiple regression analysis). The results showed that there was no tangible variable effect (X1) on customer satisfaction of the Regional Development Bank of West Sumatra Province. No effect on reliability variable (X2) on customer satisfaction of the Regional Development Bank of West Sumatra Province. There is no effect on the responsiveness variable (X3) on customer satisfaction. There is the effect of assurance variable (X4) on customer satisfaction. There is the influence of the empathy variable (X5) on customer satisfaction.