BanKu: Jurnal Perbankan dan Keuangan最新文献

{"title":"PENGARUH LEVERAGE DAN LIKUIDITAS TERHADAP PROFITABILITAS PADA PT GUDANG GARAM TBK","authors":"Dewi Permata Sari","doi":"10.37058/banku.v2i1.2769","DOIUrl":"https://doi.org/10.37058/banku.v2i1.2769","url":null,"abstract":"ABSTRACTThis study aims to know and analyze the influence of leverage and liquidty on profitability in Gudang Garam Tbk from 2009 to 2018 simultaneously and partially. Research methodology used was verifikatif method and descriptive method. Types of data was secondary data in the form of financial report. Instrument analysis using the regression equation was linear multiple, the coefficient correlation, the coefficient determination and the significance test. The results of the analysis partially leverage influential but not significant effect on profitability while liquidty had a significan effect on profitability. While simultaneously leverage and liquidity had a significan effect on profitability in PT Gudang garam Tbk Then the hypothesis was proven and verified.Keywords: leverage; liquidty; profitability. ABSTRAKPenelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh leverage dan likuiditas terhadap profitabilitas pada PT Gudang Garam Tbk Periode 2009 sampai 2018 baik secara simultan maupun parsial. Metode penelitian yang digunakan adalah metode deskriptif dan verifikatif. Jenis data yang diperoleh melalui data sekunder berupa data laporan keuangan. Alat analisis menggunakan persamaan regresi linier berganda, koefisien korelasi, koefisien determinasi dan uji signifikansi. Hasil analisis menunjukkan secara parsial leverage berpengaruh tetapi tidak signifikan terhadap profitabilitas sedangkan likuiditas secara parsial berpengaruh signifikan terhadap profitabilitas. Sedangkan secara simultan leverage dan likuiditas berpengaruh signifikan terhadap profitabilitas pada PT Gudang Garam Tbk Dengan demikian hipotesis yang diajukan terbukti dan terverifikasi.Kata Kunci: leverage; likuiditas; profitabilitas","PeriodicalId":237752,"journal":{"name":"BanKu: Jurnal Perbankan dan Keuangan","volume":"182 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-03-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124583358","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"DAMPAK KONFLIK PERAN DAN INTERPERSONAL STRESS TERHADAP KINERJA KARYAWAN NON MANAJER DI BANK BJB SYARIAH CABANG TASIKMALAYA","authors":"Dodo Suhada, Gusti Tia Ardiani, Indi Ramadhani","doi":"10.37058/banku.v2i1.2774","DOIUrl":"https://doi.org/10.37058/banku.v2i1.2774","url":null,"abstract":"ABSTRACTThis research aims to determine and analyze influence of role conflict and interpersonal stress on employee performance at the BJB Syariah Bank Tasikmalaya Branch. The research method used is survey method, data obtained directly through a questionnaire to 30 respondents taken from non manager employee at the BJB Syariah Bank Tasikmalaya Branch.The sample technique is census and the analytical tool used path analysis. Simultaneously the role conflict and interpersonal stress have a significant influence on the performance of the BJB Syariah Bank Tasikmalaya Branch employees.Keywords: role conflict; interpersonal stress; employee performance. ABSTRAKTujuan penelitian ini adalah untuk mengetahui dan menganalisis pengaruh konflik peran dan interpersonal stress terhadap kinerja karyawan non manajer di Bank BJB Syariah Cabang Tasikmalaya. Metode penelitian yang digunakan adalah metode survey, data diperoleh langsung melalui kuesioner kepada 30 responden yang diambil dari karyawan non manajer di Bank BJB Syariah cabang Tasikmalaya. Penarikan sampel menggunakan sensus dan metode analisis yang digunakan dalam penelitian ini adalah analisis jalur. Secara simultan konflik peran dan interpersonal stress berpengaruh signifikan terhadap kinerja karyawan non manajer Bank BJB Syariah Cabang Tasikmalaya.Kata Kunci: konflik peran; interpersonal stress; kinerja karyawan.","PeriodicalId":237752,"journal":{"name":"BanKu: Jurnal Perbankan dan Keuangan","volume":"5 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-03-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126267050","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"ANALISA KINERJA KEUANGAN DAN PENGARUHNYA TERHADAP KEMAMPUAN PENYALURAN KREDIT PADA BANK PERSERO DI INDONESIA","authors":"Dedeh Sri Sudaryanti, Nana Sahroni, Ane Kurniawati","doi":"10.37058/banku.v2i1.2768","DOIUrl":"https://doi.org/10.37058/banku.v2i1.2768","url":null,"abstract":"ABSTRACTThis study used to aim at analyzing financial performance proxied by variable third party funds (DPK), non-performing loans (NPLs), and capital adequacy ratios (CAR) on the ability of bank lending. The study was conducted at a Persero bank in Indonesia in the period 2010-2017. Panel data regression analysis tool is used to analyze the effect of DPK, NPL, and CAR on the ability of bank lending. The results of the study found that DPK had a positive effect on bank lending. NPL has a negative effect on bank lending. NPLs reflect credit risk, the higher the level of NPL, the greater the credit risk borne by the bank. CAR has a positive effect on bank lending. There is a positive influence between CAR and the ability to extend credit to banks. Every increase in CAR percentage will increase the ability of bank lending. If the bank has capital above 8% or more, then the bank can be said to have sufficient capital to distribute credit, and shows the better banks in providing capital to the public so that it will increase the ability of banks in lending.Keywords: financial performance, credit; funding; non performing loan; capital adequacy ratio. ABSTRAKPenelitian ini bertujuan untuk menganalisis kinerja keuangan yang diproksikan dengan variabel dana pihak ketiga (DPK), non performing loan (NPL), dan capital adequacy ratio (CAR) terhadap kemampuan penyaluran kredit bank. Penelitian dilakukan pada bank Persero di Indonesia periode tahun 2010-2017. Alat analisis regresi data panel digunakan untuk menganalisis pengaruh DPK, NPL, dan CAR terhadap kemampuan penyaluran kredit bank. Hasil penelitian menemukan bukti DPK berpengaruh positif terhadap penyaluran kredit bank. NPL berpengaruh negatif terhadap penyaluran kredit bank. NPL mencerminkan risiko kredit, semakin tinggi tingkat NPL maka semakin besar pula risiko kredit yang ditanggung oleh pihak bank. CAR berpengaruh positif terhadap penyaluran kredit bank. Terdapat pengaruh positif antara CAR dengan kemampuan penyaluran kredit pada bank. Setiap naik prosentase CAR akan meningkatkan kemampuan penyaluran kredit bank. Jika bank memiliki modal diatas 8% atau lebih, maka bank dapat dikatakan memiliki kecukupan modal untuk menyalurkan kreditnya, dan menunjukan semakin baik bank dalam menyediakan modal  bagi masyarakat sehingga akan meningkatkan kemampuan bank dalam penyaluran kredit.Kata Kunci: kinerja keuangan; kredit; dana pihak ketiga; non performing loan; capital adequacy ratio","PeriodicalId":237752,"journal":{"name":"BanKu: Jurnal Perbankan dan Keuangan","volume":"35 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-03-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124562199","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"PENERAPAN INTELLECTUAL CAPITAL SEKTOR PERBANKAN DAN SEKTOR KONSUMSI","authors":"Deni Wahyu Kusuma, Muhammad Rizqi Alriansyah Manurung, Sundari Sundari","doi":"10.37058/banku.v2i1.2773","DOIUrl":"https://doi.org/10.37058/banku.v2i1.2773","url":null,"abstract":"ABSTRACTThe purpose of this study is to examine the effect of intellectual capital on the financial performance of banking and consumption companies listed on the Indonesia Stock Exchange for the period 2019. The total population observed during this study was 82 banking and consumption companies. The sample was determined by purposive sampling, quantitative data analysis techniques using statistical tools with multiple linearity. Intellectual capital is measured using the pulic model, while financial performance uses the ratio of Return on Assets (ROA). The results showed that the intellectual capital variable had no effect on the company projected by the profitability ratio (ROA) in banking companies and consumption sector companies.Keywords: intellectual capital; return on assets. ABSTRAKTujuan penelitian ini adalah untuk menguji pengaruh modal intelektual terhadap kinerja keuangan perusahaan perbankan dan konsumsi yang terdaftar di Bursa Efek Indonesia periode 2019. Jumlah populasi yang diamati selama penelitian ini adalah 82 perusahaan perbankan dan konsumsi. Sampel ditentukan dengan purposive sampling, teknik analisis data kuantitatif menggunakan alat statistik dengan regresi linier berganda. Modal intelektual diukur dengan model pulic, sedangkan kinerja keuangan menggunakan rasio Return on Assets (ROA). Hasil penelitian menunjukkan bahwa variabel intellectual capital tidak memiliki pengaruh kepada kinerja perusahaan yang diproyeksikan dengan rasio profitabilitas (ROA) pada perusahaan perbankan dan perusahaan sektor konsumsi.Kata Kunci: modal intelektual; return on assets","PeriodicalId":237752,"journal":{"name":"BanKu: Jurnal Perbankan dan Keuangan","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-03-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127244529","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"PENGARUH CAPITAL ADEQUACY RATIO, BIAYA OPERASIONAL PENDAPATAN OPERASIONAL DAN NET INTEREST MARGIN TERHADAP PROFITABILITAS (Pada PT. Bank Pembangunan Daerah Jawa Barat dan Banten Tbk)","authors":"Dewi Permata Sari","doi":"10.37058/banku.v1i2.2064","DOIUrl":"https://doi.org/10.37058/banku.v1i2.2064","url":null,"abstract":"ABSTRACT         This study aims to know and analyze the influence of capital adequacy ratio,operational costs of operating income and  net interest margin on profitability in PT. Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.  from 2009 to 2018 simultaneously and partially. Research methodology used was verifikatif method and descriptive method. Types of data was secondary data in the form of financial report. Instrument analysis using the regression equation was linear multiple, the coefficient correlation, the coefficient determination and the significance test. The result of the analysis partially Capital adequacy ratio and Net Interst Margin influential but not significant effect on profitability while operational costs of operating income had significan effect on profitability. While simultaneously capital adequacy ratio, operational costs of operating income and net interst margin had significan effect on profitability in PT. Bank Pembangunan Daerah Jawa Barat dan Banten.Then the hypothesis was proven and verified.Keywords: capital adequacy ratio; operational costs of operating income; net interst margin; profitability. ABSTRAK        Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh Capital Adequacy Ratio, Biaya Operasional Pendapatan Operasional, dan Net Interst Margin  terhadap Profitabilitas pada PT. Bank Pembangunan Daerah Jawa Barat Tbk. Periode 2009 sampai 2018 baik secara simultan maupun parsial. Metode penelitian yang digunakan adalah metode deskriptif dan verifikatif. Jenis data yang diperoleh melalui data sekunder berupa data laporan keuangan. Alat analisis menggunakan persamaan regresi linier berganda, koefisien korelasi, koefisien determinasi dan uji signifikansi. Hasil analisis menunjukkan secara parsial CAR dan NIM  berpengaruh positif tetapi tidak signifikan terhadap profitabilitas   sedangkan BOPO secara parsial berpengaruh negatif dan signifikan terhadap Profitabilitas . Sedangkan secara simultan CAR, BOPO dan NIM berpengaruh signifikan terhadap Profitabilitas pada PT. Bank Pembangunan Daerah Jawa Barat  dan Banten, Tbk. Dengan demikian hipotesis yang diajukan terbukti dan terverifikasi.Kata Kunci: capital adequacy ratio; biaya operasional pendapatan operasional; net interest margin; profitabilitas.","PeriodicalId":237752,"journal":{"name":"BanKu: Jurnal Perbankan dan Keuangan","volume":"49 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-08-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133640055","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"DETERMINAN PENGHINDARAN PAJAK","authors":"Ardiani Ika Sulistyawati, F. Setiawan, A. Santoso","doi":"10.37058/banku.v1i2.2060","DOIUrl":"https://doi.org/10.37058/banku.v1i2.2060","url":null,"abstract":"ABSTRACTThis study aims to analyze the effect of Accounting Conservatism, Audit Committees, Board of Commissioners and Company Size on Tax Avoidance (Empirical Study of Manufacturing Companies in the Pharmaceutical Sub Sector Listed on the Indonesia Stock Exchange Period 2013-2018) partially or simultaneously. This research was conducted because there are inconsistent results from previous studies.The population in this study were 10 companies included in the manufacturing sector Pharmaceutical Sub-Sector Listed on the Indonesia Stock Exchange Period 2013-2018). The method of determining the sample is done by the method of purposive sampling, and based on predetermined criteria, a total sample of 6 company samples was obtained during the 2013-2018 period. This research uses a quantitative approach and the analysis technique used is multiple linear regression analysis.The results of the research partially showed that the size of the company and the independent board of commissioners had an influence on tax avoidance, whereas accounting conservatism and the Audit Committee had no influence on tax avoidance. The results of the study simultaneously showed that the variables of accounting conservatism, audit committees, independent board of commissioners, and company size influenced the tax avoidance together.Keywords: tax; accounting; conservatism; commissioners. ABSTRAKPenelitian ini bertujuan untuk menganalisis pengaruh konservatisme akuntansi, komite audit, dewan komisaris dan ukuran perusahaan terhadap penghindaran pajak (Studi empiris pada Perusahaan Manufaktur Sub Sektor Farmasi Terdaftar di Bursa Efek Indonesia Periode 2013-2018) secara parsial maupun simultan. penelitian ini dilakukan karena terdapat ketidakkonsistenan hasil dari penelitian terdahulu. Populasi dalam penelitian ini adalah 10 perusahaan yang termasuk dalam sektor manufaktur Sub Sektor Farmasi Terdaftar Di Bursa Efek Indonesia Periode 2013-2018). Metode penentuan sampel dilakukan dengan metode purposive sampling, dan berdasarkan kriteria yang telah ditentukan maka didapatkan jumlah sampel  sebanyak 6 sampel perusahaan selama periode 2013-2018. Penelitian ini menggunakan pendekatan kuantitatif dan teknik analisis yang digunakan adalah analisis regresi linier berganda. Hasil penelitian secara parsial menunjukkan bahwa ukuran perusahaan dan dewan komisaris independen memiliki pengaruh terhadap penghindaran pajak, sedangkan konservatisme akuntansi dan komite audit tidak memiliki pengaruh terhadap penghindaran pajak. Hasil penelitian secara simultan menunjukkan bahwa variabel konservatisme akuntansi, komite audit, dewan komisaris independen, dan ukuran perusahaan berpengaruh terhadap penghindaran pajak secara bersama-sama.Kata Kunci: pajak; konservatisme; akuntansi; komisaris.","PeriodicalId":237752,"journal":{"name":"BanKu: Jurnal Perbankan dan Keuangan","volume":"97 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-08-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131563528","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"PENGARUH RETURN ON ASSET, RETURN ON EQUITY DAN EARNING PER SHARE TERHADAP HARGA SAHAM (Survey pada PT. Bank Mandiri (Persero) Tbk)","authors":"Syifa Hepayati Nufus, Nana Sahroni","doi":"10.37058/banku.v1i2.2063","DOIUrl":"https://doi.org/10.37058/banku.v1i2.2063","url":null,"abstract":"ABSTRACTThe purpose of this research to analyze Return On Asset, Return On Equity And Earning Per Share To Stock Price  at PT. Bank Mandiri  Tbk. The Method of this reserach used descriptive quantitative method. To analyze the data, the researcher used Multiple Linear Regresion and Determination Coefficient. Based on the results of the study, the magnitude of the effect of Return On Asset (ROA), Return On Equity (ROE) and Earning Per Share (EPS) as a whole on stock prices is 73.1%, while the remaining 27% is the influence of other factors, hypothesis testing. Simultaneously Return On Asset, Return On Equity and Earning Per Share have a significant effect on stock prices. Meanwhile, partially, Return On Asset and Return On Equity have no significant effect on Stock Prices and Earning Per Share has a significant effect on Stock Prices.Keyword: return on asset; return on equity; earning per share; stock price. ABSTRAKTujuan penelitian  ini adalah untuk mengetahui dan  menganalisis pengaruh Return On Asset, Return On Equity dan Earning Per Share terhadap Harga Saham  pada PT. Bank Mandiri Tbk. Metode penelitian yang digunakan adalah metode Deskriptif dan Kuantitatif. Alat analisis yang digunakan adalah Regresi Linier Berganda dan Koefisien Determinasi. Berdasarkan hasil penelitian besarnya pengaruh Return On Asset (ROA), Return On Equity (ROE) dan Earning Per Share (EPS) secara keseluruhan terhadap harga saham sebesar  73,1%, sedangkan  sisanya sebesar 27% adalah pengaruh faktor-faktor lain, uji hipotesis secara simultan Return On Asset, Return On Equity dan Earning Per Share berpengaruh signifikan terhadap Harga Saham. Sedangkan secara parsial Return On Asset dan Return On Equity berpengaruh tidak signifikan terhadap Harga Saham dan Earning Per Share berpengaruh signifikan terhadap Harga Saham.Kata Kunci: return on asset; return on equity; earning per share; harga saham.","PeriodicalId":237752,"journal":{"name":"BanKu: Jurnal Perbankan dan Keuangan","volume":"50 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-08-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130014047","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"ADA APA DENGAN KINERJA DI BANK PANIN DUBAI SYARIAH?","authors":"Ayu Setiyaningsih, Ida Haryanti, Kharis Fadlullah Hana","doi":"10.37058/banku.v1i2.2061","DOIUrl":"https://doi.org/10.37058/banku.v1i2.2061","url":null,"abstract":"ABSTRACTEvery banking institution always tries to improve its performance in order to achieve the expected goals. To achieve these objectives a sound or non-performing loan financing or not problematic, qualified and competent human resources, and an increase in the value of the preparation of financial report. In banking law in carrying out business activities, bank must be guided by the precautionary principle set forth in the Banking Act. This study aims to determine the performance conditions at Bank Panin Dubai Syariah due to a fictitious credit case that occured. The research method used is qualitative data analysis and normative juridical approach. The results of the research that can be stated based on the research conducted is that the performance at Bank Panin Dubai Syariah experienced instability both from employee development, labor recruitment, and financial reports due to the occurrence of fictitious credit cases conducted by the president director of PT. Bank Panin Dubai Syariah. Ass well as in terms of financing experience a standstill due to the ineffectiveness of the application of the precautionary principle at the Bank Panin Dubai Syariah.Keywords: performance; fictitious credit; human resources; financial reports. ABSTRAKSetiap institusi perbankan selalu berusaha untuk meningkatkan kinerjanya guna mencapai tujuan yang diharapkan. Untuk mencapai tujuan tersebut diperlukan adanya pembiayaan kredit yang sehat atau tidak bermasalah, sumber daya manusia  yang berkualitas serta mumpuni, dan mengalami peningkatan nilai penyusunan laporan keuangan. Dalam hukum perbankan dalam menjalankan kegiatan usaha bank harus berpedoman pada prinsip kehati-hatian yang dituangkan dalam Undang-Undang Perbankan. Penelitian ini bertujuan untuk mengetahui kondisi kinerja di Bank Panin Dubai Syariah akibat adanya kasus kredit fiktif yang terjadi. Metode penelitian yang digunakan adalah analisis data kualitatif  dan pendekatan yuridis normatif. Hasil penelitian yang dapat dikemukakan berdasarkan penelitian yang dilakukan adalah kinerja di Bank Panin Dubai Syariah mengalami ketidakstabilan baik dari pengembangan karyawan, perekrutan tenaga kerja, dan laporan keuangan akibat telah terjadinya kasus kredit fiktif yang dilakukan oleh direktur utama PT. Bank Panin Dubai Syariah. Serta dari sisi pembiayaan mengalami macet dikarenakan belum efektifnya penerapan prinsip kehati-hatian di Bank Panin Dubai.Kata Kunci: kinerja; kredit fiktif; sumber daya manusia; laporan keuangan.","PeriodicalId":237752,"journal":{"name":"BanKu: Jurnal Perbankan dan Keuangan","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-08-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128428710","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"PENGARUH EDUKASI, MANFAAT, REKOMENDASI PASAR MODAL SYARIAH TERHADAP MINAT BERINVESTASI MAHASISWA FEBI IAIN KUDUS","authors":"Shofiatul Adiba Oktavia, Risalatul Mu'ayanah, Kharis Fadlullah Hana","doi":"10.37058/banku.v1i2.2062","DOIUrl":"https://doi.org/10.37058/banku.v1i2.2062","url":null,"abstract":"ABSTRACTThe research was conducted aimed to examine the influence of education, benefits, and recommendations on student interest in investing in the Islamic capital market. The method used in this research is descriptive quantitative method by jumping directly into the field (field research). The population used in this study were students of the Islamic Economics and Business Faculty of IAIN Kudus Islamic Economics study program consisting of 6 classes, Islamic Accounting 2 classes, and Islamic Banking 2 classes. The sampling technique is done using simple random sampling techniques or samples taken simply from a random population without regard to strata in the population. The sample in this study were 5 people from each class. The data analysis technique used is multiple linear regression test in the form of the coefficient of determination test, F test, and t test through SPSS. Methods of data collection using questionnaire distribution techniques. The results of this study have shown that the education and recommendation variables have no significant effect, while the benefit variable has a significant effect on the investment interest variable of the Islamic Economics and Business Faculty students of IAIN Kudus.Keywords: education; benefits; recommendations; investment interest. ABSTRAKPenelitian dilakukan bertujuan untuk menguji adanya pengaruh edukasi, manfaat, dan rekomendasi terhadap minat mahasiswa dalam berinvestasi di pasar modal syariah. Metode yang digunakan pada penelitian ini adalah metode kuantitatif deskriptif dengan cara terjun langsung ke lapangan (field research). Populasi yang digunakan pada penelitian ini adalah mahasiswa Fakultas Ekonomi dan Bisnis Islam IAIN Kudus program studi Ekonomi Syariah yang terdiri dari 6 kelas, Akuntansi Syariah 2 kelas, dan Perbankan Syariah 2 kelas. Teknik pengambilan sampel dilakukan menggunakan teknik simple random sampling atau sampel yang diambil secara sederhana dari populasi secara acak tanpa memperhatikan strata yang ada dalam populasi. Sampel pada penelitian ini adalah 5 orang dari masing-masing kelas. Untuk teknik analisis data yang digunakan adalah dengan uji regresi linier berganda berupa uji koefisien determinasi, uji F, serta uji t melalui SPSS. Metode pengumpulan data dengan teknik sebar angket atau kuisioner. Hasil penelitian ini telah menunjukkan bahwa variabel edukasi dan rekomendasi tidak berpengaruh signifikan, sedangkan variabel manfaat berpengaruh signifikan terhadap variabel minat berinvestasi mahasiswa Fakultas Ekonomi dan Bisnis Islam IAIN Kudus.Kata Kunci: edukasi; manfaat; rekomendasi; minat investasi.","PeriodicalId":237752,"journal":{"name":"BanKu: Jurnal Perbankan dan Keuangan","volume":"646 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-08-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"120861396","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"PENGARUH RASIO GAP DAN RASIO VALUTA ASING TERHADAP PROFITABILITAS (Penelitian pada PT Bank Central Asia Tbk)","authors":"E. Mulyani","doi":"10.37058/banku.v1i2.2065","DOIUrl":"https://doi.org/10.37058/banku.v1i2.2065","url":null,"abstract":"ABSTRACTCredit management and foreign exchange play an important role in increasing bank income. One reason is because people tend to be more sensitive to credit policies including credit interest and foreign currency movements. Based on this phenomenon, this research was conducted. The aim is to determine the effect of gap ratios and foreign exchange ratios on profitability (Return on Assets). The method used in this research is descriptive analysis method. The data used are secondary data in the form of financial statements (Balance Sheet and Income) of PT Bank BCA (Persero) Tbk from 2010 to 2019. The analytical tool used is multiple regression, coefficient of determination and hypothesis testing. The results showed that the Gap and Foreign Exchange Ratios simultaneously had a significant effect on profitability (Return on Assets). While partially only the gap ratio has a significant effect, while the foreign exchange ratio has no significant effect on profitability (Return On Assets).Keywords: gap ratio; foreign exchange ratio; profitability. ABSTRAKPengelolaan kredit dan valuta asing memegang peranan penting dalam meningkatkan pendapatan bank Salah satu penyebabnya adalah karena masyarakat cenderung lebih peka terhadap kebijakan kredit termasuk bunga kredit dan pergerakan mata uang asing. Berdasarkan fenomena tersebut penelitian ini dilakukan. Tujuannya adalah  untuk mengetahui pengaruh rasio gap dan rasio valuta asing terhadap Profitabilitas (Return On Assets). Metode yang digunakan dalam penelitian ini adalah metode descriptive analysis. Data yang digunakan adalah data sekunder berupa laporan keuangan ( Neraca dan Laba Rugi)  PT Bank BCA (Persero) Tbk periode 2010 sampai dengan 2019. Alat analisis yang digunakan adalah Regresi berganda, koefisien determinasi dan uji hipotesis. Hasil penelitian menunjukkan bahwa Rasio Gap dan Valuta Asing secara simultan berpengaruh  signifikan terhadap profitabilitas (Return On Assets). Sedangkan secara parsial hanya rasio gap yang berpengaruh secara signifikan, sedangkan rasio valuta asing berpengaruh tidak signifikan terhadap profitabilitas ( Return On Assets) .  Kata Kunci: rasio gap; rasio valuta asing; profitabilitas.","PeriodicalId":237752,"journal":{"name":"BanKu: Jurnal Perbankan dan Keuangan","volume":"86 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-08-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125955193","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}