Jurnal Keuangan dan Perbankan

A Independent Sample T Test Analysis

2024-11-11T18:36:48+00:00

Currently there are four government-owned banks, namely; Bank Mandiri, Bank Rakyat Indonesia (BRI), Bank Tabungan Negara (BTN) and Bank Nasional Indonesia (BNI) 46. Of these four banks it can be said to have quite good performancej, proven to have provided dividends to the State treasury over the last few years.This research wants to see the difference in the average performance of the two government-owned banks, namely between Bank Mandiri and Bank Negara Indonesia over the last 10 years from 2014 to 2023.Research analysis of normality test, homogeneity test and independent sample t test using SPSS software version 26, to analyze the variables ROA, NPL, LDR, BOPO, CAR, NIM and ROE. The research shows that only the financial ratios Return on Equity (ROE) and Loan Deposit Ratio (LDR) have significant differences, while the ratios of Return on Assets (ROA), Net Interest Margin (NIM), Operational Costs to Operating Income (BOPO) and Net Performing Loans (NPL) and Capital Aduqucy Ratio (CAR), did not have a significant difference between Bank Mandiri and Bank Nasional Indonesia (BNI) 46, for 10 years, starting from 2014 until 2014. 2023.

Pengaruh Budget Participation, Asimetri Informasi Dan Budget Emphasis Terhadap Budget Slack Pada PT Wijaya Karya (Persero) Tbk

2024-11-07T06:01:59+00:00

This research aims to determine the influence of Budget Participation, Information Asymmetry and budget emphasis on budget slack at PT. Wijaya Karya (Persero) Tbk. The independent variables in this research are Budget Participation, Information Asymmetry and budget emphasis. Meanwhile, the dependent variable is budget slack. The analysis technique for this research uses the PLS or Partial Least Square SmartPLS 4 method. The data collection technique uses a Google Form questionnaire to collect the required information. The results of the number of respondents were 73 employees of PT. Wijaya Karya (Persero) Tbk. The results of the analysis show that Budget Participation has a positive effect on budget slack, information asymmetry has no effect on budget slack, Budget emphasis has no effect on budget slack..

Pengaruh Profitabilitas dan GCG terhadap Nilai Perusahaan Indeks LQ45 di BEI Tahun 2018-2022

2024-11-26T02:21:43+00:00

This study aims to determine and analyze the influence of Profitability and Good Corporate Governance (GCG) on company value in LQ45 Index companies listed on the BEI for the period 2018 to 2022. The sample in this study used a purposive sampling method, with the number of samples in this study being namely 24 companies listed on the Indonesian Stock Exchange (BEI). The dependent variable used is Firm Value (PBV), then the independent variables are Profitability (ROA) and Good Corporate Governance (GCG) which is proxied by Managerial Ownership, Institutional Ownership and Independent Board of Commissioners. The research results show that Profitability (ROA) and Institutional Ownership have a significant positive effect, while Managerial Ownership and the Independent Board of Commissioners do not have a significant effect on Firm Value.

Analisis Pengaruh Good Corporate Governance dan Financial Distress terhadap Manajemen Laba

2024-10-15T09:34:04+00:00

This study aims to determine and analyze the influence of good corporate governance as proxied by institutional ownership, managerial ownership, audit committee, and financial distress on earnings management. The population in this research is transportation and logistics sector companies listed on the Indonesia Stock Exchange in 2018 - 2022. Purposive sampling technique was used to determine the sample in this research, resulting in 23 transportation and logistics companies. Data was obtained from secondary data from financial reports of transportation and logistics companies registered on the IDX and each company's website. The results of this study indicate that institutional ownership, managerial ownership and audit committees have no effect on earnings management. Meanwhile, financial distress has a positive effect on earnings management.

Pengaruh Modal Intelektual Terhadap Kinerja Perusahaan Pada Perusahaan Consumer Non-Cyclicals Yang Terdaftar Di Bursa Efek Indonesia Periode 2018 – 2022

2024-11-22T03:31:25+00:00

This study aims to examine the influence of intellectual capital and each of its components on the performance of companies in the consumer non-cyclicals sector. Company performance is measured using ROA (Return on Assets), and intellectual capital is measured using VAIC (Value Added Intellectual Coefficient). The study uses company size (SIZE) and leverage (DER) as control variables. The population in this study consists of consumer non-cyclicals companies listed on the Indonesia Stock Exchange for the period 2018 – 2022. The sample selection in this study uses a purposive sampling technique with a total of 61 companies. This study employs a quantitative method, and the data used are annual reports accessed through the Indonesia Stock Exchange and the companies' websites. Data were processed using E-Views 12 with panel data analysis techniques. The results of the study show that intellectual capital (VAIC) has a positive effect on company performance, VACA has a positive effect on company performance, VAHU has a positive effect on company performance, STVA has a positive effect on company performance, SIZE has a positive effect on company performance, and leverage (DER) has a negative effect on company performance.

Pengaruh Financial Technology Peer to Peer Lending dan Uang Elektronik (E-Money) terhadap Pertumbuhan Ekonomi di Indonesia (Tahun 2021-2023)

2024-11-28T01:18:12+00:00

Rapid technological developments in the last few decades have had a major impact on the financial services industry. On the other hand, technological developments have given rise to new innovations such as peer to peer lending and digital payments. These two types of fintech are currently popular financial services. The existence of these two types helps people in the Covid-19 conditions because relying on technology, all transaction activities can be carried out. This research aims to determine the influence of fintech peer to peer lending and digital electronic money payments simultaneously on economic growth in Indonesia and to determine the influence of fintech peer to peer lending and digital electronic money payments partially on economic growth in Indonesia. The data used in this research is secondary data for 2021-2023. The analysis used is multiple linear regression analysis. The analytical tool used to carry out the analysis is stata 17. The results of the research show that the fintech peer to peer lending variable has a positive and significant effect on Economic Growth in Indonesia, the electronic money (E-Money) variable has a positive and significant effect on Economic Growth in Indonesia, and Simultaneously, the variables of fintech peer to peer lending and digital electronic money payments influence economic growth in Indonesia.

Penerapan Dukungan Teknologi Dalam Meningkatkan Loyalitas Nasabah Pada Banking Super-APP Platform

2024-12-05T03:43:44+00:00

Latar belakang penelitian ini didasari oleh pesatnya perkembangan teknologi informasi yang mempengaruhi sektor perbankan, khususnya dalam penggunaan aplikasi mobile banking. Aplikasi mobile banking Bank X menjadi salah satu yang paling diminati, dengan pertumbuhan jumlah pengguna dan transaksi yang signifikan. Namun, terdapat kesenjangan penelitian terkait faktor-faktor yang mempengaruhi loyalitas nasabah dalam menggunakan layanan ini. Tujuan penelitian ini adalah untuk menganalisis pengaruh faktor-faktor seperti usability, customer service, customer trust, customer satisfaction, perceived risk, dan relative advantages terhadap loyalitas nasabah pengguna aplikasi mobile banking. Penelitian ini menggunakan metode kuantitatif deskriptif dengan pendekatan survei. Data dikumpulkan melalui kuesioner yang disebarkan kepada 100 responden yang merupakan pengguna aplikasi mobile banking. Analisis data dilakukan dengan menggunakan teknik Structural Equation Modeling (SEM) melalui perangkat lunak SmartPLS 3. Hasil penelitian menunjukkan bahwa usability memiliki pengaruh positif signifikan terhadap customer trust, customer service, dan customer satisfaction. Selain itu, customer satisfaction dan customer trust juga terbukti mempengaruhi loyalitas nasabah secara signifikan. Sebaliknya, perceived risk tidak menunjukkan pengaruh signifikan terhadap loyalitas, sementara relative advantages berperan penting dalam meningkatkan loyalitas nasabah. Kesimpulannya, untuk meningkatkan loyalitas nasabah, Bank Mandiri perlu memperkuat faktor usability, customer service, dan kepercayaan nasabah terhadap aplikasi mobile banking.

Pengaruh Budaya Organisasi, Kepuasan Kerja, dan Komitmen Organisasi Terhadap Turnover Intentions (Studi Pada Karyawan Tetap Generasi Milenial di Jabodetabek)

2024-12-09T02:14:05+00:00

Indonesia started to entering the era of a bonus demographic in 2012 and predicted its peak occurred in 2035. Demographic if a bonus is used by well, expected to bring change in the thing in Indonesia economy. And supporting role the biggest contributor to the move the bonus demographic is a generation Y or in this study called by generation millennial. But there is the phenomenon of generation millennial is that they will move the work in a short period. Therefore, the purpose of the research is analysing the influence of cultural organization, job satisfaction, and organization commitment to the turnover intentions with a study of permanent workers in greater Jakarta millennial generation. This study shares a questionnaire that is used as the primary data and uncultivated using analysis SEM Amos. Research shows that the directly cultural organizations have a positive influence significantly to job satisfaction, cultural organizations have a positive influence significantly to the organization commitment, cultural organization devoid turnover significantly affect the intentions, job satisfaction having negative influence significantly to turnover intentions, and commitment of the organization have negative influence significantly to turnover intentions. In addition, as for the result of research indirectly, that cultures the organization have significantly affect the turnover intentions through job satisfaction, and cultural organization devoid significantly affect the turnover intentions through the organization commitment.