Siwi Nur Indriyani
Master of Management Study Program at Krisnadwipayana University

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Analysis of Factors Affecting Bank Profitability with Total Assets Minimum 1 (One) Billion Siwi Nur Indriyani; Irawati
Krisnadwipayana International Journal of Management Studies Vol 2 No 2 (2022): Krisnadwipayana International Journal of Management Studies
Publisher : Program Studi Magister Manajemen Universitas Krisnadwipayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35137/kijms.v2i2.949

Abstract

This research was conducted to examine the effect of variable banking ratio, fundsinterest rate, interest spread, fee based income ratio and inefficiency ratio ofProfitability (ROA). Profitability is used to measure the effectiveness of managementbased on results generated from the loan repayment and investment. The ratio isimportant for the bank's profitability is Return On Assets (ROA). Financial ratios thataffect the ROA is the banking ratio, funds interest rate, interest spread, fee basedincome ratio and inefficiency ratio. The sampling technique used was purposivesampling with the criteria of commercial bank serving the financial statements. Theanalysis technique used is the classical assumption of the analysis, multipleregression analysis and hypothesis test with a level of significance of 8,841%. Theresults of the research simultaneously (test F) states that the banking ratio, fundsinterest rate, interest spread, fee based income ratio and inefficiency ratio jointlyaffect the profitability (ROA) of banks. While the results show that the correlationcoefficient between profitability (ROA) of banks with 5(five) independent variablesof 60,336%. And the result of research partially (t) states that the variable interestspread did not have a significant effect on profitability (ROA) of banks. And variablebanking ratio, funds interest rate, fee based income ratio and inefficiency ratiosignificant effect on profitability (ROA) of banks.
Periodization Analysis of Bankruptcy Prediction at PT Matahari Department Store Tbk for the 2019–2024 Period Siwi Nur Indriyani; Irawati
Krisnadwipayana International Journal of Management Studies Vol 5 No 2 (2025): Krisnadwipayana International Journal of Management Studies
Publisher : Program Studi Magister Manajemen Universitas Krisnadwipayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35137/kijms.v5i2.1001

Abstract

This study aims to determine and analyze bankruptcy predictions at PT. Matahari Department Store Tbk for the period of 2019-2024. This type of research is included in the quantitative descriptive research category. The research data source is the company's annual financial report data for the period of 2019 - 2024 which has been audited and can be accessed through the PT. Matahari Department Store Tbk. website: https://www.matahari.com/. The sampling technique used is purposive sampling. The analysis technique used in this study is the Altman Z-Score model using the ratio (Net Working Capital to Total Assets, Earnings Before Tax to Total Assets, Retained Earnings to Total Assets, Sales to Total Assets, and Total Equity to Total Assets) and the Grover model using the ratio (Working Capital to Total Assets and Earning Before Interest and Tax to Total Assets). The results of the analysis show that the model can adapt to the environment and economic conditions in Indonesia as an early warning system to mitigate the risk of bankruptcy in the future, so that management can immediately take preventive measures