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p-Index From 2021 - 2026
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All Journal Electronic Journal of Education, Social Economics and Technology Journal of Innovative and Creativity
Nur Laely
Kadiri University
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Public Health Social Sciences Veterinary Other

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Financial Performance Evaluation of Manufacturing Companies Using Return on Assets (ROA), Return on Equity (ROE), and Debt to Equity Ratio (DER) Methods (A Case Study of Manufacturing Companies Annual Reports on the IDX Website for the Years 2021–2024) Dinda Oktaviantri; IGG Heru Marwanto; Nur Laely; Enni Sustiyatik
Journal of Innovative and Creativity Vol. 5 No. 3 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i3.6129

Abstract

This study aims to evaluate the financial performance of manufacturing companies listed on the Indonesia Stock Exchange (IDX) for the period 2021–2024 using financial ratios, namely Return on Assets (ROA), Return on Equity (ROE), and Debt to Equity Ratio (DER). The research employs a quantitative descriptive method with a documentation approach based on the companies’ financial statements. The sample consists of 33 manufacturing companies selected based on specific criteria. Secondary data were obtained from the official website of the Indonesia Stock Exchange (www.idx.co.id).The results indicate that, in general, the financial performance of manufacturing companies during the period experienced fluctuations. ROA and ROE showed relatively stable trends, with several companies demonstrating excellent performance, such as Unilever Indonesia Tbk and Industri Jamu dan Farmasi Sido Muncul Tbk. Meanwhile, the DER ratio revealed variations in financial risk levels among companies, where some firms such as Krakatau Steel Tbk and Kimia Farma Tbk recorded very high DER values, reflecting a strong dependence on external financing. This study provides a comprehensive overview of the financial health of manufacturing companies in Indonesia and can serve as a reference for investors, management, and other stakeholders in making strategic decisions.
The Influence of Cognitive Factor and Technology Dimension on Behavioral Intention and Its Impact on Actual Behavior in Digital Banking: Evidence from Bank Jatim Kediri City Angga Rizka Lidiawan; Nur Laely; Ana Komari; Djunaedi Djunaedi
Electronic Journal of Education, Social Economics and Technology Vol 7, No 1 (2026)
Publisher : SAINTIS Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33122/ejeset.v7i1.1408

Abstract

As a leading regional development bank, Bank Jatim continues to strengthen its reputation through digital transformation initiatives, numerous national awards, asset growth reaching IDR 118.15 trillion (16.71% YoY), and support for regional digitalization (P2DD) and inclusive MSME development. Financial performance during 2016–2020 demonstrated significant growth, with assets increasing from IDR 43 trillion to IDR 83 trillion (±94%), third-party funds increasing by approximately 109%, and net profit growing by around 45%, reflecting financial stability and enhanced customer trust. This study aims to analyze the influence of Cognitive Factor and Technology Dimension on Behavioral Intention and its implications for Actual Behavior in digital banking usage among customers of Bank Jatim Kediri City. Using an explanatory quantitative approach with SEM-PLS and 173 respondents, the findings reveal that Cognitive Factor has the most dominant direct effect on Actual Behavior (β = 0.544; p 0.001; f² = 0.603), followed by Technology Dimension (β = 0.381; p 0.001; f² = 0.221). Behavioral Intention does not significantly affect Actual Behavior (β = 0.032; p = 0.645), indicating that it does not function as a mediator. The model demonstrates good fit (SRMR = 0.077; NFI = 0.838) and predictive relevance (Q² = 0.528). Theoretically, this study contributes by demonstrating that in the context of regional banking, trust and perceived risk play a more decisive role in shaping actual behavior than intention as a mediating variable. Practically, the findings recommend strategies focused on strengthening trust, enhancing digital security, providing assisted onboarding, and optimizing user experience to accelerate digital banking adoption
Co-Authors Ana Komari Angga Rizka Lidiawan Dinda Oktaviantri Djunaedi Djunaedi Enni Sustiyatik IGG Heru Marwanto