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<![CDATA[PENGARUH EKONOMI MAKRO DAN KINERJA MANAJEMEN TERHADAP RETURN ON ASSETS (ROA) PERBANKAN SYARIAH ]]>
<![CDATA[ratih hastasari]]>
<![CDATA[ Widya Cipta - Jurnal Sekretari dan Manajemen Vol 3, No 1 (2019): Maret 2019 ]]>
Publisher : <![CDATA[Universitas Bina Sarana Informatika ]]>
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DOI: 10.31294/widyacipta.v3i1.5109
<![CDATA[Profitability is used as one measure to find out whether the bank has run its function as well. Based on these things, this research was conducted to test whether the macroeconomic factors such as Gross Domestic Bruto ( GDP), inflation and the real exchange rate (RER), and from the side of the bank management performance such as Non Performing Finance (NPF) and The Ratio of Operational Expense to Operational Revenue (BOPO) have influence towards Return On assets (ROA) of Islamic Banking. The Data used in this research was obtained from the financial statements of Otoritas Jasa Keuangan online publication (2011-2017). The sample used is purposive sampling, these sample is 11 public bank of Sharia and 23 of Sharia business units. Data analysis technique that is used is multiple linear regression analysis and the first test performed classical assumptions to ensure the data has been BLUE. From the result of classical assumptions test is not found the variables that deviate from the classical assumptions test, this indicates that the data are qualified using regression analysis models. The results showed that the GDP influence positively and significantly toward ROA, inflation and real exchange rates (RER) do not influence significantly toward ROA, BOPO influences negatively and significantly toward ROA, and NPF influence significantly on ROA but having different direction with the hypothesis that has been proposed.]]>
<![CDATA[Pengaruh Biaya Diklat, Jumlah Kantor, dan Jumlah Tenaga Kerja pada Laba Perbankan Syariah ]]>
<![CDATA[Ratih Hastasari]]>;
<![CDATA[Suharini Suharini]]>
<![CDATA[ JMK (Jurnal Manajemen dan Kewirausahaan) Vol 6 No 2 (2021): Mei ]]>
Publisher : <![CDATA[Universitas Islam Kadiri ]]>
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DOI: 10.32503/jmk.v6i2.1343
<![CDATA[This paper analyzes how significant the internal company factors affecting the profit of the sharia banking industry. There are so many variables that can affecting profit, and profit is an important part of shariah banking for its business sustainability, so in this research, profit was selected as the dependent variable, its data was taken from monthly reports of sharia banking profit/Loss, the independent variables that were selected are the cost of education and training, the number of sharia banking offices, and the amount of the sharia banking labor. This research using 25 data starting from January 2018 to January 2020 with the results of the regression analysis indicates the difference of significance, the cost of training and education significantly affecting the profit of sharia banking, while the results of regression for the number of the office and the amount of labor indicates that both variables were not significantly affecting the profit of sharia banking.]]>
<![CDATA[Penerapan Manajemen Risiko pada Tingkat Efisiensi Keuangan di Bank DKI Jakarta ]]>
<![CDATA[Saridawati Saridawati]]>;
<![CDATA[Murniyati Murniyati]]>;
<![CDATA[Ratih Hastasari]]>;
<![CDATA[Suharini Suharini]]>
<![CDATA[ Owner : Riset dan Jurnal Akuntansi Vol. 5 No. 2 (2021): Article Research Volume 5 Number 2, Agustus 2021 ]]>
Publisher : <![CDATA[Politeknik Ganesha Medan ]]>
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DOI: 10.33395/owner.v5i2.425
<![CDATA[Efficiency is one measure of bank performance. The efficiency of a bank is influenced by the way management manages risk. Financial services authority regulation number 18 /pojk.03/2016 issued by Bank Indonesia which requires every bank in Indonesia to form a risk management team. Risk management problems in the banking world are related to the losses they experience, and Regional Development Banks are expected to be able to detect maximum losses that may arise in the future. This team is obliged to control various aspects of risk management in each bank and observe the impact of risk management implementation. This study aims to determine the efficiency level of conventional banking at PT Bank Pembangunan Daerah Jawa Tengah and the effect of financing risk, operational risk and liquidity risk on the efficiency level. Efficiency is measured by the method of Operating Expenses from Operating Income. The data used as the object of this research is Bank DKI Jakarta for the 2015-2020 period. The level of influence of the variables X1, X2, X3 on Y on the determinant coefficient (R2) shows the Adjusted R Square number of 0.359 or 35.9% which means that the variation in efficiency level can be explained by financing risk, operational risk and liquidity risk, the remaining 64.1% can be explained from other variables outside, for previous related studies there is no similarity in the influence of independent (x) and dependent (Y) values, because of differences in values ??generated from SPSS processing data. Based on the results of statistical tests and discussion analysis, it is known that financing risk, operational risk, liquidity risk simultaneously have no effect on the level of efficiency and only financing risk has a significant positive effect on the level of efficiency at PT Bank DKI Jakarta.]]>
<![CDATA[PENGARUH INSENTIF TERHADAP KINERJA KARYAWAN DENGAN VARIABEL INTERVENING MOTIVASI KERJA PADA PT GANDA MADY INDOTAMA ]]>
<![CDATA[Achmad Alfarizi]]>;
<![CDATA[Suharini Suharini]]>;
<![CDATA[Ratih Hastasari]]>
<![CDATA[ Akrab Juara : Jurnal Ilmu-ilmu Sosial Vol 7 No 1 (2022): Februari ]]>
Publisher : <![CDATA[Yayasan Azam Kemajuan Rantau Anak Bengkalis ]]>
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DOI: 10.58487/akrabjuara.v7i1.1751
<![CDATA[Incentives are needed to improve the motivation and performance of employees to always work optimally, so that the vision and mission of the organization / company can be achieved. This research aims to explain: 1) The Effect of Incentives on Employee Work Motivation; 2) Influence of Employee Performance Incentives; 3) The Effect of Work Motivation on Employee Performance, 4) The Significance of Work Motivation as an intervening between incentives and employee performance. This Explanatory Research conducted with a quantitative approach, using Regression-path analysis and Sobel analysis. The data used are primary data, obtained through online questionnaires (google form) as many as 30 samples which is the total population of outsourced employees of PT. Ganda Mady Indotama in the Pondok Labu AL-Izhar school area numbered 30 people. Variabels studied include Incentives, Work Motivation and Employee Performance. The results of the path analysis showed that the Incentive variabel (X) had a significant effect on Work Motivation (Y1) with a beta value of 0.677, the Incentive variabel (X) significantly affected Employee Performance (Y2) with a beta value of 0.279, the Work Motivation variabel (Y1) significantly affected Employee Performance (Y2) with a beta value of 0,650. Work motivation is proven to be variabel intervening in the relationship between the influence of incentive variabels on employee performance. The total effect of Incentives on Employee Performance through Work Motivation increased to 0.719. But its influence as an intervening is not significant because the p-value of the Sobel test of 0.071 is greater than 0.05. Keyword: path analysis, incentives, work motivation, employee performance, intervening variabels]]>
<![CDATA[PERAN OTORITAS JASA KEUANGAN TERHADAP FINTECH ILEGAL DI INDONESIA SEBAGAI UPAYA PERLINDUNGAN PADA KONSUMEN ]]>
<![CDATA[Suharini Suharini]]>;
<![CDATA[Ratih Hastasari]]>
<![CDATA[ Akrab Juara : Jurnal Ilmu-ilmu Sosial Vol 5 No 3 (2020): Agustus ]]>
Publisher : <![CDATA[Yayasan Azam Kemajuan Rantau Anak Bengkalis ]]>
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<![CDATA[Fintech muncul mengiringi perubahan gaya hidup masyarakat yang sekarang lebih didominasi penggunaan teknologi informasi dan tuntutan hidup yang serba cepat dan dinamis. Perkembangn Fintech di Indonesia cukup pesat. Hal ini tercermin dari penyaluran pinjaman fintech lending tembus Rp 33,2 triliun per Mei 2019. Hingga Juni akhir Juni 2020 besar rasio jumlah Fintech legal dan Ilegal adalah 160: 81 = 1.98 jika dibulatkan = 2. Jadi jumlah entitas illegal adalah separuh dari jumlah entitas fintech yang telah legal.Data data tersebut diambil dari statistic Otoritas Jasa Keuangan. Beberapa langkah telah dilakukan oleh Otoritas Jasa Keuangan antara lain:Dengan mengeluarkan beberapa kebijakan serta memperketat pemberian ijin kepada fintech yang ingin mendaftar, Melakukan pemblokiran terhadap entitas fintech yang melakukan kecurangan dan merugikan masyarakat, menghimbau pada masyarakat untuk memilih fincteh yang sudah legal/terdaftar dalam otoritas jasa keuangan.,melakukan sosialisasi mengenai fintech yang legal dan ilegal sehingga masyarakat/konsumen tidak salah dalam memilih. Semua dilakukan sebagai upaya untuk melindungi konsumen dari kerugian yang dilakukan oleh entitas Fintech ilegal.]]>
<![CDATA[PENGARUH FLUKTUASI NILAI TUKAR USD, JPY, CNY TERHADAP RUPIAH PADA PERKEMBANGAN EKSPOR DAN IMPOR INDONESIA TAHUN 2013 – 2019 ]]>
<![CDATA[Ratih Hastasari]]>;
<![CDATA[Suharini Suharini]]>;
<![CDATA[Triningsih Triningsih]]>
<![CDATA[ Jurnal Akrab Juara Vol 4 No 5 (2019) ]]>
Publisher : <![CDATA[Yayasan Akrab Pekanbaru ]]>
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<![CDATA[This research was being conducted based on the condition of international trade and the condition of Indonesian economic at the macro level. The researcher chose to use dependent variables as to exsport(Y1) and import(Y2) activities. In the meantime independent variables used is the exchange rate that is used by the biggest amount of export based on country destination. That current exchange are CNY(X3) from Tiongkok, JPY(X2) from Japan, and USD(X1) from United States of America. The result of the research with dependent variable of export showed that the USD and JPY partially have significant influence to exsport activities. Meantime the CNY variables has not significant influence to export activities. The result of the research with dependent variable of import showed that the trhree variables partially have not significant influence to import activities.]]>
<![CDATA[TINJAUAN NON-PERFORMING LOAN PERBANKAN INDONESIA TAHUN PANDEMI 2020 ]]>
<![CDATA[Ratih Hastasari]]>;
<![CDATA[Suharini Suharini]]>
<![CDATA[ Jurnal Akrab Juara Vol 6 No 1 (2020) ]]>
Publisher : <![CDATA[Yayasan Akrab Pekanbaru ]]>
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<![CDATA[Non-performing Loan menjadi salah satu indikator mengenai kondisi kesehatan perbankan, dan kondisi NPL Perbankan di Indonesia di masa pandemi mengalami kenaikan yang cukup signifikan, angka-angka NPL sejak bulan mei senatiasa berada pada angka lebih dari 3 persen jika dibandingkan dengan bulan-bulan sebelumnya yang senantiasa berada dibawah 3 persen. Metode penelitian yang digunakan pada penelitian ini bersifat kualitatif, dengan data-data yang bersifat sekunder yang diperoleh dari berbagai tulisan, baik jurnal, berita nasional, laporan keuangan perbankan yang dirilis resmi oleh Otoritas Jasa Keuangan, dan data-data lain yang juga dirilis resmi oleh Badan Pusat Statistik. Kesimpulan yang diperoleh dari penelitian ini adalah bahwa kebijakan-kebijakan stimulus dan relaksasi kredit yang diberikan oleh pemerintah beserta OJK mampu menahan angka-angka NPL perbankan tetap terkendali berada di bawah angka 5 persen, dan dengan kebijakan-kebijakan yang telah dan akan di berlakukan diharapkan mampu meningkatkan kembali pertumbuhan ekonomi Indonesia.]]>
<![CDATA[Pengaruh Inflasi dan Non-Performing Loans (NPL) Terhadap Return on Equity (ROE) Bank Perkreditan Rakyat (BPR) Indonesia ]]>
<![CDATA[Ratih Hastasari]]>;
<![CDATA[Suharini]]>
<![CDATA[ Formosa Journal of Multidisciplinary Research Vol. 1 No. 3 (2022): July 2022 ]]>
Publisher : <![CDATA[PT FORMOSA CENDEKIA GLOBAL ]]>
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DOI: 10.55927/fjmr.v1i3.570
<![CDATA[Penelitian dibuat untuk melihat pengaruh inflasi dan Non-performing Loan (NPL) terhadap profitabilitas BPR Indonesia secara nasional dengan pemilihan Return On Equity (ROE) sebagai indikator profitabilitas. Data diambil melalui website resmi BPS, dan dari statistik perbankan Indonesia pada website resmi OJK tahun 2019 - 2021. Metode yang digunakan pada penelitian ini adalah metode analisis statistik deskriptif kuantitatif dengan ordinary least square (OLS), dan pada data terlebih dahulu dilakukan uji asumsi klasik untuk memastikan bahwa data layak dan valid untuk dianalisa. Dari hasil analisa uji-t didapatkan nilai signifikansi inflasi secara parsial dengan nilai sig.t 0.227 > 0.05 dan NPL secara parsial dengan nilai sig.t 0.932 > 0.05. Hasil tersebut menunjukkan bahwa kedua variabel secara parsial tidak berpengaruh secara signifikan terhadap ROE. ]]>
<![CDATA[Analysis of the Health Assessment of Bank Tabungan Negara (BTN) Using the RGEC Approach (Risk Profile, Good Corporate Governance, Earnings, Capital ]]>
<![CDATA[Suharini]]>;
<![CDATA[Ratih Hastasari]]>
<![CDATA[ Formosa Journal of Multidisciplinary Research Vol. 2 No. 1 (2023): January, 2023 ]]>
Publisher : <![CDATA[PT FORMOSA CENDEKIA GLOBAL ]]>
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DOI: 10.55927/fjmr.v2i1.2435
<![CDATA[Bank health must be maintained and/or improved so that public trust in banks is always maintained. The size of the bank's assessment has been determined by Bank Indonesia, so that the bank is required to make regular or periodical reports on all of its activities. This research is a descriptive study with quantitative data types that aim to determine the level of soundness of the Bank using the RGEC approach (Risk Profile, Good Corporate Governance, Earnings, Capital). The indicators used to measure the soundness of banks in this study are: NPL, LDR, GCG, ROA, ROE, BOPO and NIM. This indicator refers to Bank Indonesia Circular No. 6/23/DPNP of 2004 and Bank Indonesia Circular No. 15/15/DPNP of 2013. The results showed that several indicator ratio values that had been accumulated became composite rating values (PK), there was an increase in composite values from 62.9% PK(3) in 2019, to 80% (PK 2 ) in 2020 and 82.85% (PK 2) in 2021. So that Bank BTN in 2019 in the "Healthy Enough" category will become a bank in the "healthy" category in 2020 and 2021.]]>
<![CDATA[Determination Of The Role Of Venture Capital Companies On Economic Development In Indonesia ]]>
<![CDATA[Ratih Hastasari]]>;
<![CDATA[Suharini]]>
<![CDATA[ Jurnal Scientia Vol. 12 No. 03 (2023): Education, Sosial science and Planning technique, 2023 (June-August) ]]>
Publisher : <![CDATA[Sean Institute ]]>
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DOI: 10.58471/scientia.v12i03.1676
<![CDATA[This study aims to describe the activities of venture capital companies in Indonesia as a non-bank financial institution. Venture Capital is unique in investing activities by participating in managing and supervising the investee so that its role in the progress of the Indonesian economy cannot be ignored. The research analysis uses qualitative descriptive statistical methods by observing and describing data collected online through the official websites of the OJK, other government agencies, and also other trusted national news websites. From the description of the data obtained, it shows that the role of venture capital in funding start-ups and MSME-scale businesses has a fairly important role in its development. The results also show that financing and investment activities carried out by venture capital are not evenly distributed, activities based on location are still focused on DKI Jakarta and provinces on the island of Java. The proportion of funding obtained by business units outside Java Island is only 15.04%, while DKI Jakarta is 37.58% of the total venture capital funding.]]>
