Claim Missing Document
Check
Articles

Determinasi Non-Performing Loan pada Sektor Perbankan Indonesia: Peran Loan to Deposit Ratio, Capital Adequacy Ratio, dan Efisiensi Biaya Operasional Ririn Yuliani Putri; Basuki Toto Rahmanto
JURNAL PELITA MANAJEMEN Vol. 4 No. 02 (2025): November 2025
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jpm.v4i02.6221

Abstract

Permasalahan kredit bermasalah atau Non-Performing Loan (NPL) masih menjadi isu strategis dalam sektor perbankan Indonesia karena dapat mengganggu stabilitas sistem keuangan dan menurunkan kepercayaan publik. Tingginya rasio NPL dipengaruhi oleh berbagai faktor internal bank, seperti Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), dan efisiensi biaya operasional (BOPO). Penelitian ini bertujuan untuk menganalisis pengaruh LDR, CAR, dan BOPO terhadap NPL pada bank umum di Indonesia. Metode yang digunakan adalah analisis regresi linier berganda dengan pendekatan kuantitatif. Populasi dalam penelitian ini adalah bank umum konvensional yang terdaftar di Bursa Efek Indonesia selama periode 2020–2024. Teknik pengambilan sampel dilakukan dengan metode purposive sampling, dengan kriteria tertentu sehingga didapat 38 bank konvensional sebagai sampel penelitian. Hasil penelitian ini menunjukkan Loan to Deposit Ratio (LDR) berpengaruh positif terhadap Non-Performing Loan (NPL), Capital Adequacy Ratio (CAR) tidak berpengaruh terhadap Non-Performing Loan (NPL), Biaya Oprasional terhadap pendapatan oprasional (BOPO) berpengaruh positif terhadap Non-Performing Loan.
The Role of Financial Planning in Mediating the Impact of Financial Literacy on the Financial Well-Being of Millennials in Jakarta Muhammad Iqbal Mardhani; Basuki Toto Rahmanto
Jurnal Indonesia Sosial Sains Vol. 7 No. 4 (2026): Jurnal Indonesia Sosial Sains
Publisher : CV. Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jiss.v7i4.2309

Abstract

Financial welfare is an important issue for the millennial generation, especially in DKI Jakarta which has high economic dynamics and consumptive lifestyles. Financial literacy is needed to improve an individual's ability to manage finances, but without good planning, this knowledge does not necessarily have an impact on well-being. This research aims to analyze the influence of financial literacy on financial well-being with financial planning as a mediating variable in the millennial generation in DKI Jakarta. The study used a quantitative approach with an explanatory design. Data was obtained through a survey of 400 respondents using a purposive sampling technique using a Likert scale questionnaire. Data analysis was carried out using the SEM-PLS method. The results showed that financial literacy had a positive and significant effect on financial well-being (β = 0.236) and had a strong effect on financial planning (β = 0.889). Financial planning also has a positive and significant effect on financial well-being (β = 0.708). In addition, financial planning is able to partially mediate the influence of financial literacy on financial well-being with a greater indirect influence (β = 0.630). The financial well-being of the millennial generation is not only influenced by financial literacy, but also by the ability to implement structured and effective financial planning.
Orientation and Preparation for the Pre-Retirement Period (MPP) Addressed to the Labor Union of PT. Transjakarta Basuki Toto Rahmanto; Mariah; Dede Agus Supardi; Atep Supriadi; Aida Fajriyah; Bayu Gusti Pangestu; Claudina Santina Putra Pertiwi; Firman Adopati; Hana Nawal Ramadhanti; Reza Bagus Setiawan; Ghifari Alif Auladi
SocietalServe: Journal of Community Engagement and Services Vol 1 No 2 (2024): Societal Serve: Journal of Community Engagement and Services
Publisher : Pusat Riset dan Inovasi Nasional Mabadi Iqtishad Al Islami

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70063/societalserve.v1i2.42

Abstract

The Pre-Retirement Period (MPP) is a critical phase for individuals approaching the end of their careers, whether in government or private sectors. This study aims to enhance the understanding, knowledge, and preparedness of Transjakarta Labor Union members in facing the MPP. The approach includes educational seminars, observations, needs assessments, problem analysis, and the development of solutions covering psychological, health, financial, and post-retirement activity aspects. The program was implemented over three months (October–December 2023) using a participatory method involving Transjakarta Labor Union members through discussions, education, and practical training. Evaluations revealed improved awareness and readiness among participants for MPP challenges, demonstrated by their enthusiasm and questionnaire results indicating the program's benefits. The outcomes contribute to better individual preparedness for retirement, reduced anxiety, and the formulation of more comprehensive retirement strategies. The program's findings are intended for publication in a community service journal to achieve broader impact. Recommendations for program sustainability include more in-depth training and additional materials on psychology and technical aspects of retirement implementation.