JWM Jurnal Wawasan Manajemen最新文献_第6页

PERBANDINGAN PREDIKSI FINANCIAL DISTRESS DENGAN MENGGUNAKAN MODEL ALTMAN, SPRINGATE DAN OHLSON 从奥、斯普林盖特和奥尔森模型看困境金融产品

JWM Jurnal Wawasan Manajemen Pub Date : 2017-05-16 DOI: 10.20527/jwm.v4i3.96

Fairuz Zabady Zainal Abidin Putera, Fifi Swandari, Dian Masita Dewi

{"title":"PERBANDINGAN PREDIKSI FINANCIAL DISTRESS DENGAN MENGGUNAKAN MODEL ALTMAN, SPRINGATE DAN OHLSON","authors":"Fairuz Zabady Zainal Abidin Putera, Fifi Swandari, Dian Masita Dewi","doi":"10.20527/jwm.v4i3.96","DOIUrl":"https://doi.org/10.20527/jwm.v4i3.96","url":null,"abstract":"The lowering of coal price and the uncertainty of world oil prices affect the high operational costs of coal enterprises. The Continuous lowering of coal prices causes financial distress. Financial distress is defined as financial condition before the bankcruptcy.The purpose of this research are to predict and compare the financial distress among the models of Altman, Springate and Ohlson at coal mining company listed on the Indonesia Stock Exchange in the period of 2008 - 2014. This type of research is included in a comparative. The population are the coal companies financial statements listed on the Indonesian Stock Exchange (BEI) in the period 2008-2014. The sampling with used purposive sampling which acquired 7 companies. Data analysis used Altman, Springate and Ohlson’s models. The hypothesis is tested Kruskal-Wallis test. The results of research showed that Springate’s model has better accuracy than Altman model and Ohlson model. Results hypothesis testing with the Kruskal-Wallis test concluded there were no differences among the financial distress the model Altman, Springate and Ohlson models at coal mining companies in the Indonesia Stock Exchange in the period 2008-2014.","PeriodicalId":31176,"journal":{"name":"JWM Jurnal Wawasan Manajemen","volume":"4 1","pages":"217-230"},"PeriodicalIF":0.0,"publicationDate":"2017-05-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"48847441","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}

引用次数: 5

Pengaruh Kecerdasan Intelektual (IQ), Kecerdasan Emosional (EQ), Kecerdasan Spiritual (SQ) Terhadap Kinerja Pegawai Inspektorat Provinsi Kalimantan Selatan 面对南加里曼丹省监察官的智力（IQ）、情商（EQ）、精神智力（SQ）

JWM Jurnal Wawasan Manajemen Pub Date : 2017-05-16 DOI: 10.20527/jwm.v4i3.99

Hari Nugroho Akimas, Ahmad Alim Bachri

{"title":"Pengaruh Kecerdasan Intelektual (IQ), Kecerdasan Emosional (EQ), Kecerdasan Spiritual (SQ) Terhadap Kinerja Pegawai Inspektorat Provinsi Kalimantan Selatan","authors":"Hari Nugroho Akimas, Ahmad Alim Bachri","doi":"10.20527/jwm.v4i3.99","DOIUrl":"https://doi.org/10.20527/jwm.v4i3.99","url":null,"abstract":"This Research is to analyze the effect of Intellectual Quotient (IQ), Emotional Quotient (EQ), and Spiritual Quotient (SQ) to the employee performance of Inspectorate South Kalimantan Province. All of The employee are involved as the samples, 81. Data are the perception of the employee regarding the variables. Technique of analysis is using multiple linear regression. Tests involved are Model Test (F), t Test, and classic Assumption test. Significant Test is connected to pvalue. The results show that (1) Intellectual Quotient (IQ) is influencing insignificantly to the employee performance; (2) Emotional Quotient (EQ) is influencing insignificantly to the employee performance; (3) Spiritual Quotie nt (SQ) is influencing significantly to the employee performance. The results also indicate that such effects need further research. Variables should be considered are attitude, operating standar and Technology. Keywords: Intellectual Quotient (IQ), Emotional Quotient (EQ), and Spiritual Quotient (SQ), Employee Performance","PeriodicalId":31176,"journal":{"name":"JWM Jurnal Wawasan Manajemen","volume":"4 1","pages":"259-272"},"PeriodicalIF":0.0,"publicationDate":"2017-05-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"46899762","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}

引用次数: 8

STRATEGI UKM. PENGERAJIN BATIK TULIS DALAM MEMASARKAN BATIK TULIS SIDOARJO (STUDI KASUS PADA UKM.PENGERAJIN BATIK TULIS DI DESA JETIS, KECAMATAN SIDOARJO) 中小企业的战略。UKM的案例研究。(JETIS村SIDOARJO附近蜡染店)

JWM Jurnal Wawasan Manajemen Pub Date : 2017-05-16 DOI: 10.20527/JWM.V4I3.98

I. Shandi, Lisa Yusita

{"title":"STRATEGI UKM. PENGERAJIN BATIK TULIS DALAM MEMASARKAN BATIK TULIS SIDOARJO (STUDI KASUS PADA UKM.PENGERAJIN BATIK TULIS DI DESA JETIS, KECAMATAN SIDOARJO)","authors":"I. Shandi, Lisa Yusita","doi":"10.20527/JWM.V4I3.98","DOIUrl":"https://doi.org/10.20527/JWM.V4I3.98","url":null,"abstract":"Batik is a cultural heritage of Indonesia and this has been recognized by the Organization of Education, Science and Culture of the United Nations (UNESCO), in which UNESCO recognized batik as a world cultural heritage from Indonesia. In Sidoarjo which is supporting the city of Surabaya, turned out to have the highest number of SMEs. Various Small and Medium Enterprises, crafts and culinary thousands spread over 18 districts in Sidoarjo. One of the crafts that are typical of that Batik Sidoarjo Sidoarjo. In Sidoarjo, there is a village of SMEs. batik craftsmen called Kampoeng Batik Jetis. The purpose of this study was to determine what strategy do UKM.Pengerajin Batik in Kampung Jetis Sidoarjo batik Jetis in marketing and also to know what the most effective strategies that do UKM.Pengerajin batik Write in the village Jetis Sidoarjo in marketing Jetis batik. The type of research is explanatory research (explanatory research) that explain the causal relationship between the variables through hypothesis testing. While the expected outcomes of this research is to contribute to science and the development of marketing concepts and materials expected to be used as a reference for further research or faculty beginners, especially those interested in doing research on the strategy of SMEs (small and medium enterprises). Keywords: Marketing Strategy Batik SMEs","PeriodicalId":31176,"journal":{"name":"JWM Jurnal Wawasan Manajemen","volume":"4 1","pages":"247-258"},"PeriodicalIF":0.0,"publicationDate":"2017-05-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"46094851","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}

引用次数: 0

Pengaruh Nilai-Nilai Agama, Kualitas Layanan, Promosi, Dan Kepercayaan Terhadap Keputusan Menjadi Nasabah Bank Syariah Di Banjarmasin 宗教价值观、服务质量、晋升和信仰的影响成为班雅尔马辛伊斯兰银行的客户

JWM Jurnal Wawasan Manajemen Pub Date : 2016-09-02 DOI: 10.20527/JWM.V4I2.84

R. Yulianti, Marijati Sangen, Ahmad Rifani

{"title":"Pengaruh Nilai-Nilai Agama, Kualitas Layanan, Promosi, Dan Kepercayaan Terhadap Keputusan Menjadi Nasabah Bank Syariah Di Banjarmasin","authors":"R. Yulianti, Marijati Sangen, Ahmad Rifani","doi":"10.20527/JWM.V4I2.84","DOIUrl":"https://doi.org/10.20527/JWM.V4I2.84","url":null,"abstract":"The purpose s of this study are (1) to know and analyze the influence of religious values, quality of service, promotion, and trust simultaneously against the decision of becoming customer of Bank Syariah in Banjarmasin, (2) to find out and to analyze the influence of religious values against the decision of customer of Bank Syariah in Banjarmasin, (3) to identify and to analyze the effect of quality of service to customer of Bank Syaria decision in Banjarmasin, (4) determine and analyze the effect of promotions to decision of customer of Bank Syariah in Banjarmasin, (5) to determine and to analyze the effect s of confidence in the decision of customer of Bank Syariah in Banjarmasin. This study used non-probability sampling and purposive sampling techniques, by taking sample s of 100 respondents who became customers of Bank BPD Kalsel Syariah, Bank Syariah Mandiri, Bank BRI Syariah and Bank BNI Syariah, of which 25 persons were taken of each bank as samples. This research was descriptive. The data were collected by distributing questionnaires, while data analysis method used was multiple linear regression. The results of research proved that religious values, quality of service, promotion, and beliefs had significant effects simultaneously against the decisions of the customers of Bank Syariah in Banjarmasin, religious values significantly influenced the decisions of the customers of Bank Syariah in Banjarmasin, service quality significantly influenced the decisions of the customers of Bank Syariah in Banjarmasin, promotions significantly affected on the decisions to become the customers of Bank Syariah in Banjarmasin, and trust significantly influenced the decisions of the customers of Bank Syariah in Banjarmasin. Keywords: Values of Religion, Quality of Service, Promotion, Trust, and the Decisions Become Customer","PeriodicalId":31176,"journal":{"name":"JWM Jurnal Wawasan Manajemen","volume":"4 1","pages":"127-138"},"PeriodicalIF":0.0,"publicationDate":"2016-09-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"67666543","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}

引用次数: 4

Pengaruh Partisipasi Karyawan Pada Pelatihan PLN Corporate University Terhadap Kompetensi dan Kinerja Karyawan 员工参与公司电力培训对员工表现的影响

JWM Jurnal Wawasan Manajemen Pub Date : 2016-09-02 DOI: 10.20527/JWM.V4I2.85

R. Hussein, Laila Refiana Said, Rini Rahmawati

{"title":"Pengaruh Partisipasi Karyawan Pada Pelatihan PLN Corporate University Terhadap Kompetensi dan Kinerja Karyawan","authors":"R. Hussein, Laila Refiana Said, Rini Rahmawati","doi":"10.20527/JWM.V4I2.85","DOIUrl":"https://doi.org/10.20527/JWM.V4I2.85","url":null,"abstract":"This research aims to analyze the influence of employees participation in the training of PLN Corporate University (X) as the exogenous variable toward competence (Y1) and employees performance (Y2) as the endogenous variable at PLN Corporate University Udiklat Banjarbaru. The method of this research used descriptive quantitative research by distributing questionnaires to 120 employees who have followed the training. The samples were chosen by using accidental sampling. The variable measurement technique used Likert scale with weight scale from 1 to 5. In order to find out the effects of variable X to variable Y1 and Y2, Structural Equation Modelling (SEM) was used as an analytical technique. The result of research concluded that (1) there was a positive and significant influence of the exogenous variable (X) on the endogenous variables (Y1 and Y2); (2) PLN employees participation in Corporate University training (X) influences the competences of employees (Y1) by 43,6%, which has a direct influence on the performance of employees by 33% and has the indirct effects by 15,7%; (3) the competence variable (Y1) influences the employees performance by 36,1%. Keywords: Corporate University, training, competence, performance.","PeriodicalId":31176,"journal":{"name":"JWM Jurnal Wawasan Manajemen","volume":"4 1","pages":"139-151"},"PeriodicalIF":0.0,"publicationDate":"2016-09-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"67666567","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}

引用次数: 2

Faktor-Faktor Yang Mempengaruhi Struktur Modal (Studi kasus pada Perusahaan Manufaktur yang terdaftar di Bursa Efek Indonesia Periode 2011 – 2014) 影响资本结构的因素(2011 - 2014年印尼证券交易所上市的制造公司案例研究)

JWM Jurnal Wawasan Manajemen Pub Date : 2016-09-02 DOI: 10.20527/jwm.v4i2.83

Mukhlan Khariry, Meina Wulansari Yusniar

{"title":"Faktor-Faktor Yang Mempengaruhi Struktur Modal (Studi kasus pada Perusahaan Manufaktur yang terdaftar di Bursa Efek Indonesia Periode 2011 – 2014)","authors":"Mukhlan Khariry, Meina Wulansari Yusniar","doi":"10.20527/jwm.v4i2.83","DOIUrl":"https://doi.org/10.20527/jwm.v4i2.83","url":null,"abstract":"This study aimed to analyze and test the effect s of firm size, tangible asset s , profitability, asset growth, sales growth and financial risks to the capital structure of the companies listed on the Indonesia Stock Exchange period 2011-2014. Methods used in this research was quantitative method using manufacturing companies listed on the Indonesia Stock Exchange (BEI) in the period of 2011-2014 as the research population. The samples of 54 companies were selected by using purposive sampling method. The study hypothesis was tested by multiple linear regression which have fulfilled classical assumption test. The results showed that firm size (X1), asset growth (X4), and financial risks (X6) had significant influence with the positive directional effect towards the capital structure. Profitability factor (X3) had significant influence with the negative directional effect towards the capital structure. Meanwhile, the factors of tangible asset (X2) and sales growth (X5) had no significant effect towards the capital structure. Keywords: Firm size, tangible asset, profitability, asset growth, sales growth, financial risk and capital structure.","PeriodicalId":31176,"journal":{"name":"JWM Jurnal Wawasan Manajemen","volume":"4 1","pages":"113-125"},"PeriodicalIF":0.0,"publicationDate":"2016-09-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"67667001","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}

引用次数: 9

Pengaruh Karakteristik Budaya Organisasi, Locus of Control dan Disiplin Kerja Terhadap Kinerja Karyawan Studi Pada Perusahaan Daerah Pengelola Air Limbah (PD PAL) Kota Banjarmasin. 本组织文化特征、控制和工作纪律对班雅尔马森市下水道管理公司(PD PAL)的研究工作绩效的影响。

JWM Jurnal Wawasan Manajemen Pub Date : 2016-09-02 DOI: 10.20527/JWM.V4I2.81

Dessy Rosiana, Ahmad Alim Bachri, Maya Sari Dewi

{"title":"Pengaruh Karakteristik Budaya Organisasi, Locus of Control dan Disiplin Kerja Terhadap Kinerja Karyawan Studi Pada Perusahaan Daerah Pengelola Air Limbah (PD PAL) Kota Banjarmasin.","authors":"Dessy Rosiana, Ahmad Alim Bachri, Maya Sari Dewi","doi":"10.20527/JWM.V4I2.81","DOIUrl":"https://doi.org/10.20527/JWM.V4I2.81","url":null,"abstract":"This research was aimed to simultaneously analyze the significantly positive effect of organizational culture characteristics, locus of control and work discipline towards employee performance at PD PAL Banjarmasin; also to partially analyze the significantly positive effect of organizational culture characteristics, locus of control, and work discipline towards employee performance at PD PAL Banjarmasin. The type of this research was explanatory research. All population became the samples in this research. The information collection of 53 employees who acted as the respondents in this research was done by using questionnaire arranged in 5 Likert Scale. The data analysis used multiple linear regression analysis, multiple determination coefficient, as well as F test and t test. The result of this research showed that the variable of organizational culture characteristics, locus of control and work discipline simultaneously has a significantly positive effect towards employee performance at PD PAL Banjarmasin. The organizational culture characteristics partially does not have a positive and significant effect towards employee performance. Partially the locus control has a significantly positive effect towards employee performance. Work discipline partially has a significantly positive effect towards employee performance. The implication to the management, based on the result of this research, is (1) the implementation of the organizational culture characteristics needs to be socialized among employee of PD PAL, and (2) a strong control on the locus control and discipline is needed to improve the employee performance. Keywords: Organizational Culture Characteristics, Locus of Control, Work Discipline, Employee Performance","PeriodicalId":31176,"journal":{"name":"JWM Jurnal Wawasan Manajemen","volume":"4 1","pages":"91-102"},"PeriodicalIF":0.0,"publicationDate":"2016-09-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"67666119","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}

引用次数: 2

Pengaruh Customer Experience Terhadap Customer Satisfaction Pada Pengguna Smartphone Android ( Studi pada Mahasiswa Politeknik Negeri Banjarmasin) 客户体验面对安卓智能手机用户的客户满意度

JWM Jurnal Wawasan Manajemen Pub Date : 2016-09-02 DOI: 10.20527/jwm.v4i2.86

Ronny Mantala, M. Firdaus

{"title":"Pengaruh Customer Experience Terhadap Customer Satisfaction Pada Pengguna Smartphone Android ( Studi pada Mahasiswa Politeknik Negeri Banjarmasin)","authors":"Ronny Mantala, M. Firdaus","doi":"10.20527/jwm.v4i2.86","DOIUrl":"https://doi.org/10.20527/jwm.v4i2.86","url":null,"abstract":"Android smartphones are the cellular products that currently become phenomenal and popular among students. The customers’ experiences and the influence on the users’ satisfactions are interesting topics to be investigated. This research was conducted to investigate and to analyze the influence of customers’ experience dimensions, such as: users’ sensing, feeling, thinking, acting and relation by their satisfaction, both simultaneously and partially on the students of Politeknik Negeri Banjarmasin. Non-probability sampling method was used through purposive method sampling for 60 samples. The hypothesis was tested through doubled linear regression analysis. The first tested hypothesis results were found that the independent-variables of customers’ experience, such as: sensing, feeling, thinking, acting, and relation which directly influenced their satisfaction among students as the users. The second tested hypothesis results showed that only three variables of customer experience (sensing, thinking, and relation) that significantly influenced the customers’ satisfaction; furthermore, the feeling and acting variables did not directly influence customers’ satisfaction significantly. These results also showed that the relation variable dominantly contributed to customers’ satisfaction partially if this variable was compared with other variables (sensing, feeling, thinking and acting). Keywords: Customers’ experience , customers’ satisfaction","PeriodicalId":31176,"journal":{"name":"JWM Jurnal Wawasan Manajemen","volume":"4 1","pages":"153-164"},"PeriodicalIF":0.0,"publicationDate":"2016-09-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"67666705","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}

引用次数: 9

Analisis Layanan Purna Jual Terhadap Kepuasan Pelanggan Alat Berat Kobelco Cabang Banjarmasin 基于硬件客户满意度的全方位销售服务分析

JWM Jurnal Wawasan Manajemen Pub Date : 2016-09-02 DOI: 10.20527/JWM.V4I2.82

Makhfida Iswari, Nuril Huda

{"title":"Analisis Layanan Purna Jual Terhadap Kepuasan Pelanggan Alat Berat Kobelco Cabang Banjarmasin","authors":"Makhfida Iswari, Nuril Huda","doi":"10.20527/JWM.V4I2.82","DOIUrl":"https://doi.org/10.20527/JWM.V4I2.82","url":null,"abstract":"Downturn in unit sales of heavy equipment nationwide since 2011 to 2015, also experienced by PT. Daya Kobelco CMI Branch of Banjarmasin, South Kalimantan. One of the company's efforts to maintain unit sales are expected to improve after-sales service that will satisfy the customers to keep buying the unit Kobelco. Based on the background of the problem this study aims to examine the effect of after-sales service to customersatisfaction. The quantitative research approach, with multiple linear regression analysis (Multiple rergression analysis). The study population is the entire customer (customer) who has made a purchase Kobelco unit at least three times in PT. DKCMI Branch of Banjarmasin, South Kalimantan, by using Slovin formula is obtained sample 175 respondents, the sampling method using accidental sampling. A number of tests performed, test the research instrument through validity and reliability test, then test the classical assumption (normality test, multicollinearity, and heteroscedasticity) . And then to test the significance of inter-variable effect of using uji F and uji t. Results penilitian concluded, Sales Service Customer Satisfaction influence on after-sales service PT. Daya Kobelco CMI Branch Banjarmasin. Keywords: After Sales Service, Field Technical Assistance, Spare parts Distribution, Customer Care, Customer Satisfaction","PeriodicalId":31176,"journal":{"name":"JWM Jurnal Wawasan Manajemen","volume":"4 1","pages":"103-112"},"PeriodicalIF":0.0,"publicationDate":"2016-09-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"67666991","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}

引用次数: 1

Perbandingan NPL, LDR, CAR, ROA, dan BOPO Antara Bank BNI Dan Bank BUMN Lain BNI银行和BUMN银行不良贷款、LDR、CAR、ROA和BOPO的比较

JWM Jurnal Wawasan Manajemen Pub Date : 2016-09-02 DOI: 10.20527/jwm.v4i2.87

T. Wahyuningsih, Fifi Swandari

{"title":"Perbandingan NPL, LDR, CAR, ROA, dan BOPO Antara Bank BNI Dan Bank BUMN Lain","authors":"T. Wahyuningsih, Fifi Swandari","doi":"10.20527/jwm.v4i2.87","DOIUrl":"https://doi.org/10.20527/jwm.v4i2.87","url":null,"abstract":"This study aims to analyze the differences in financial performance of Bank BNI and other BUMN Banks by the measuring the ratio of Non Performing Loan (NPL), Loan to Deposit Ratio (LDR), Adecuacy Capital Ratio (CAR), Return on Assets (ROA) and BOPO. The study was conducted by using descriptive analysis method. The results of this study explained that the performance NPL, LDR, and Bank BNI's CAR on average during the past eight semesters was still better than BUMN Banks on average, while the performance of ROA and BOPO remained below the average Revenues and Operating Expenses of Operational Income of Bank BUMN. The results also showed that all BUMN banks still showed good and healthy performance and in accordance with the provisions set by Bank Indonesia. This study also presented the strategy undertaken by Bank BNI to improve its financial performance, that is, the business synergy of all units unit, growth in good-quality assets, optimization of the customer engagement, strengthening the network and develop alliances, optimization of existing resources and simplification of processes, and enhancing customer experiences through improving processes and business models to digital banking. Keywords: Non-Performing Loans , Loan to Deposit Ratio , Capital Adequacy Ratio , Return on Assets , Revenues and Operating Expenses of Operational Income , Bank BNI , Bank BUMN.","PeriodicalId":31176,"journal":{"name":"JWM Jurnal Wawasan Manajemen","volume":"4 1","pages":"165-173"},"PeriodicalIF":0.0,"publicationDate":"2016-09-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"67666724","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}

引用次数: 2