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Comparative Analysis Of Financial Performance at PT. Bank SUMUT Before and During the Covid-19 pandemic in Indonesia Sukma, Kirana Rahmalia; Syahyunan; Amlys Syahputra Silalahi; Aryanti Sarartha Sianipar
Journal Of Management Analytical and Solution (JoMAS) Vol. 2 No. 2 (2022): Journal of Management Analytical and Solution
Publisher : TALENTA Publisher, Universitas Sumatera Utara

This study aims to analyze and compare the financial performance of PT. Bank SUMUT before and during Covid-19 pandemic in Indonesia. This study uses the CAMEL method in the selection of financial ratios to be compared. The financial ratios to be compared are the Capital Adequacy Ratio (CAR), the Non Performing Loan (NPL) ratio, the Return on Assets (ROA) ratio, the Operating Cost and Operating Income (BOPO) ratio, and the Loan to Deposit Ratio (LDR). Data analysis techniques are independent sample t-test on data with normal distribution and Mann-Whitney on data that are not normally distributed. The results showed that the Capital Adequacy Ratio (CAR), Non Performing Loan (NPL) ratio, Return On Assets (ROA), ratio of Operating Costs and Operating Income (BOPO) and, Loan to Deposit Ratio (LDR) ratio there were significant differences between before and during the Indonesian Covid-19 pandemic at PT. Bank SUMUT.

Comparative Analysis Of Financial Performance at PT. Bank SUMUT Before and During the Covid-19 pandemic in Indonesia Kirana Rahmalia Sukma; Syahyunan; Amlys Syahputra Silalahi; Aryanti Sarartha Sianipar
Journal Of Management Analytical and Solution (JoMAS) Vol. 2 No. 2 (2022): Journal of Management Analytical and Solution
Publisher : TALENTA Publisher, Universitas Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32734/jomas.v2i2.8717

This study aims to analyze and compare the financial performance of PT. Bank SUMUT before and during Covid-19 pandemic in Indonesia. This study uses the CAMEL method in the selection of financial ratios to be compared. The financial ratios to be compared are the Capital Adequacy Ratio (CAR), the Non Performing Loan (NPL) ratio, the Return on Assets (ROA) ratio, the Operating Cost and Operating Income (BOPO) ratio, and the Loan to Deposit Ratio (LDR). Data analysis techniques are independent sample t-test on data with normal distribution and Mann-Whitney on data that are not normally distributed. The results showed that the Capital Adequacy Ratio (CAR), Non Performing Loan (NPL) ratio, Return On Assets (ROA), ratio of Operating Costs and Operating Income (BOPO) and, Loan to Deposit Ratio (LDR) ratio there were significant differences between before and during the Indonesian Covid-19 pandemic at PT. Bank SUMUT.

Analysis of The Day of The Week Effect On Virtual Currency Returns On The Cryptocurrency Market Tantober, Basthian; Syahputra Silalahi, Amlys; Syahyunan; Marlina, Lisa
Journal Of Management Analytical and Solution (JoMAS) Vol. 1 No. 1 (2021): Journal Of Management Analytical and Solution
Publisher : TALENTA Publisher, Universitas Sumatera Utara

The purpose of this study was to determine and analyze the influence of the day of the week effect on virtual currency return at cryptocurrency market. This research was an empirical study on trading day and virtual currency returns. This research was taking 26 cryptocurrencies that listed during January,1st 2018 until December, 31st 2018 and used daily return of each virtual currencies. The analytical method used is descriptive analysis method and multiple linear regression analysis method with dummy variables. This type of research is associative research and the data used are secondary data that has been processed and published. Data is processed statistically with the EViews program, namely the t test model and f test. The results of this study indicate that simultaneously the trading days have a significant effect on virtual currency return. Partially, trading day variables of Tuesday, Thursday, and Friday have a positive and significant effect on virtual currency return

The Effect of Regional Original Income, General Allocation Funds,Specific Allocation Funds, And Fund for The Results of The District Capital Expenditure Allocation And North Sumatra Province City, 2010-2019 Ira Safitri; Hasibuan, Beby Kendida; Silalahi, Amlys Syahputra; Syahyunan
Journal Of Management Analytical and Solution (JoMAS) Vol. 1 No. 2 (2021): Journal Of Management Analytical and Solution
Publisher : TALENTA Publisher, Universitas Sumatera Utara

This study aims to determine the effect of Regional Original Income (PAD), General Allocation Fund (DAU), Special Allocation Fund (DAK), and Profit Sharing Fund (DBH) on the allocation of Capital Expenditures. This research is a causal associative design research and the type of data used is quantitative data. The data used is obtained from the Regional Budget Realization Report which has been published on the official website as well as from the Regional Government Financial Report (LKPD) document submitted to the Supreme Audit Agency (BPK) of North Sumatra Province. The population of this study were all districts / cities in North Sumatra Province consisting of 25 District Governments and 8 City Governments in the period 2010 to 2019. The sample of this study was determined using saturated sampling. The technique used is multiple linear regression analysis of panel data. The results of this study indicate that simultaneously PAD, DAU, DAK, and DBH have a significant effect on the allocation of capital expenditures in the districts and cities of North Sumatra Province. Partially, PAD has a positive and significant effect on the allocation of capital expenditure, DAU has a positive and significant effect on the allocation of capital expenditure, DAK has a positive and significant effect on the allocation of capital expenditure, and DBH has a positive and significant effect on the allocation of capital expenditures in regencies / municipalities of North Sumatra Province the period 2010 to 2019. and DBH has a significant effect on the allocation of Capital Expenditures in the Regencies and Cities of North Sumatra Province. Partially, PAD has a positive and significant effect on the allocation of capital expenditure, DAU has a positive and significant effect on the allocation of capital expenditure, DAK has a positive and significant effect on the allocation of capital expenditure, and DBH has a positive and significant effect on the allocation of capital expenditures in regencies / municipalities of North Sumatra Province the period 2010 to 2019. and DBH has a significant effect on the allocation of Capital Expenditures in the Regencies and Cities of North Sumatra Province. Partially, PAD has a positive and significant effect on the allocation of capital expenditure, DAU has a positive and significant effect on the allocation of capital expenditure, DAK has a positive and significant effect on the allocation of capital expenditure, and DBH has a positive and significant effect on the allocation of capital expenditures in regencies / municipalities of North Sumatra Province the period 2010 to 2019.

THE INFLUENCE OF RISK PERCEPTION, FINANCIAL LITERACY, AND BEHAVIORAL MOTIVATION ON INVESTMENT DECISIONS OF INVESTORS AT PT. MIRAE ASSET SECURITIES INDONESIA GALLERY MEDAN Januar Samuelson Gea; Syahyunan; Nisrul Irawati
Journal of Accounting Research, Utility Finance and Digital Assets Vol. 3 No. 2 (2024): October
Publisher : PT. Radja Intercontinental Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/jaruda.v3i2.196

This research aims to analyze the influence of risk perception, financial literacy, and behavioral motivation on investment decisions among investors at PT Mirae Asset Sekuritas Indonesia Galeri Medan. The research method employed is a causal associative study using a quantitative approach. The study population consists of 518 investors who have invested with PT Mirae Asset Sekuritas Indonesia Galeri Medan. The sampling technique used is nonprobability sampling via simple random sampling, resulting in 84 respondents as the research sample. Data collection was carried out by distributing questionnaires to the participants. The research findings indicate that simultaneously, the variables of risk perception, financial literacy, and behavioral motivation significantly influence investment decisions at PT Mirae Asset Sekuritas Indonesia Galeri Medan. Partially, risk perception has a non-significant negative effect on investment decisions at PT Mirae Asset Sekuritas Indonesia Galeri Medan, financial literacy has a significant positive influence on investment decisions at PT Mirae Asset Sekuritas Indonesia Galeri Medan, and behavioral motivation has a non-significant positive effect on investment decisions at PT Mirae Asset Sekuritas Indonesia Galeri Medan.

The Influence of Environmental and Social Sustainable Development Goals on Financial Performance with Green Innovation as a Moderating Variable in Banking Companies on the Indonesia Stock Exchange Priyono, Hendro; Sadalia, Isfenti; Syahyunan
Indonesian Journal of Entrepreneurship and Startups Vol. 3 No. 2 (2025): July 2025
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijes.v3i2.14829

This study aims to analyze the effect of environmental SDGs and social SDGs on the financial performance of banking companies listed on the Indonesia Stock Exchange during the period 2019–2023. In addition, this study examines the role of green innovation as a moderating variable in the relationship between SDGs disclosures and financial performance. The sample was selected using purposive sampling technique, resulting in 23 companies as research samples. The analytical method employed in this study is Moderate Regression Analysis (MRA). The results show that environmental SDGs have a negative effect on financial performance, while social SDGs have no significant effect on financial performance. Furthermore, green innovation has a negative and significant effect on financial performance. The findings also indicate that green innovation negatively and significantly moderates the relationship between environmental SDGs and financial performance, while positively and significantly moderating the relationship between social SDGs and financial performance. These findings imply that the implementation of sustainability practices and green innovation requires proper management to generate a positive impact on the financial performance of banking companies.

The Impact of Product Quality, Corporate Image, and Service Quality on Property Product Purchase Decisions at HZ Property Company Rahmadani; Endang Sulistya Rini; Syahyunan
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 2 (2025): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i2.484

This study aims to analyze the influence of product quality, corporate image, and service quality on property product purchasing decisions at the HZ Property company in Medan. The background of this study is the low purchase conversion even though the company has developed projects in strategic locations. This study uses a quantitative approach with a survey method through a questionnaire to 85 respondents who are HZ Property consumers, which is determined using the Slovin formula. The independent variables in this study are product quality, corporate image, and service quality, while the dependent variable is the purchase decision. The data analysis technique used is multiple linear regression with the help of SPSS. The results of the study show that the three independent variables have a significant effect on purchasing decisions, both partially and simultaneously. Consistent product quality, positive corporate image, and responsive service have been shown to increase consumer trust and buying interest. These findings provide theoretical contributions in the development of property consumer behavior studies, as well as practical benefits for HZ Property in formulating customer preference-based marketing strategies. This study also fills the literature gap by highlighting the simultaneous influence of the three variables on the local property sector. With an integrative approach, the results of this study are expected to be a strategic reference in improving property sales performance amidst increasingly competitive market competition.

The Impact of Product Quality, Corporate Image, and Service Quality on Property Product Purchase Decisions at HZ Property Company Rahmadani; Endang Sulistya Rini; Syahyunan
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 2 (2025): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i2.484

This study aims to analyze the influence of product quality, corporate image, and service quality on property product purchasing decisions at the HZ Property company in Medan. The background of this study is the low purchase conversion even though the company has developed projects in strategic locations. This study uses a quantitative approach with a survey method through a questionnaire to 85 respondents who are HZ Property consumers, which is determined using the Slovin formula. The independent variables in this study are product quality, corporate image, and service quality, while the dependent variable is the purchase decision. The data analysis technique used is multiple linear regression with the help of SPSS. The results of the study show that the three independent variables have a significant effect on purchasing decisions, both partially and simultaneously. Consistent product quality, positive corporate image, and responsive service have been shown to increase consumer trust and buying interest. These findings provide theoretical contributions in the development of property consumer behavior studies, as well as practical benefits for HZ Property in formulating customer preference-based marketing strategies. This study also fills the literature gap by highlighting the simultaneous influence of the three variables on the local property sector. With an integrative approach, the results of this study are expected to be a strategic reference in improving property sales performance amidst increasingly competitive market competition.

Intellectual Capital, Non-Performing Loan, and Inflation’s Effects on Firm Value : The Mediating Role of Financial Performance Manurung, Agustina Dian Putri; Sadalia, Isfenti; Syahyunan
Mutiara: Multidiciplinary Scientifict Journal Vol. 1 No. 10 (2023): Mutiara: Multidiciplinary Scientifict Journal
Publisher : Al Makki Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57185/mutiara.v1i10.102

This paper aims to analyze how financial performance can mediate the influence of intellectual capital, non-performing loans and inflation on firm value. Our sample is 39 banks in Indonesia that have passed the criteria based on purposive sampling, with a total of 5 years of observation. This research is quantitative research with a panel data multiple regression model, which will be processed using E-views and a Sobel test calculator to test the mediation effect. The findings of this research show that VACA, VAHU, non-performing loans and inflation have a direct effect on financial performance. However, STVA has no effect. Also directly, VACA, non-performing loans and financial performance influence firm value. However, VAHU, STVA and inflation have no effect on firm value. The results of the Sobel test succeeded in proving that financial performance was able to mediate the influence of VACA, VAHU, non-performing loans and inflation on firm value. However, it failed to prove the mediating influence of financial performance on STVA and firm value.

THE EFFECT OF INTEGRITY, ORGANIZATIONAL CULTURE AND EMPLOYEE ENGAGEMENT ON EMPLOYEE PERFORMANCE AT PT.BANK MANDIRI (PERSERO) ACEH FUNCTIONAL OFFICE Asri Bernitzky Saragi; Meilita Tryana Sembiring; Syahyunan
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 2 No. 8 (2023): JULY
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijset.v2i8.195

The results of dividing the Mean Square regression with the Mean Square residual obtained an F count of92,921with a significance probability value limit of 0.000. While the F table value at a significant level of 5% and df 67 is 2.74. Thus the calculated F value (92,921)greater than F table (2.74) so that a decision can be taken, namely accepting the alternative hypothesis (Ha) and rejecting the hypothesis Ho, that isIntegrity (X1), Organizational Culture (X2), and Employee Engagement (X3) all have an effect on Employee Performance (Y). From the results of the SPSS output, the Adjusted R Square is 0.798. Adjusted valueR Squarethis amount explains, the role of the variables Integrity (X1), Organizational Culture (X2), and Employee Engagement (X3) in influencing Employee Performance (Y) is 0.798 or 79.8%. While the residual (residual value) of the role of these variables is 0.202 or 20.2% influenced by other variables not involved in this study. From the results of the comparison of the regression coefficient values with the standard error, it is obtained that the t value for the influence of the Integrity variable is 6.724 at the limit of a significance probability value of 0.005. While the t-table value at df 69 and a significant level of 5% is 1.994. The results of this calculation indicate that the calculated t value is greater than the t-table value so that a decision can be taken that the alternative hypothesis (Ha) can be accepted and reject the null hypothesis (Ho), meaning that Integrity (X1) partially has a significant effect on Employee Performance (Y ). From the results of the comparison of the regression coefficient values with the standard errorobtainedthe calculated t value for the influence of the Integrity variable is equal to6,210at the limit of significance probability value of 0.000. While the t-table value at df 69 and a significant level of 5% is 1.994. The results of this calculation indicate that the calculated t value is greater than the t-table value so that a decision can be taken that the alternative hypothesis (Ha) can be accepted and reject the null hypothesis (Ho), meaning that Organizational Culture (X2) partially has a significant effect on Employee Performance ( Y). From the results of the comparison of the regression coefficient values with the standard errorobtainedthe calculated t value for the influence of the Employee Engagement variable is equal to6,699at the limit of significance probability value of 0.004. While the t-table value at df 69 and a significant level of 5% is 1.994. The results of this calculation indicate that the calculated t value is greater than the t-table value so that a decision can be taken that the alternative hypothesis (Ha) can be accepted and reject the null hypothesis (Ho), meaning that Employee Engagement (X3) partially has a significant effect on Employee Performance.

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