{"title":"Analysis Financial Performance Using the Camel Method at PT. Bank Sulselbar Period 2015-2021","authors":"Karmila, Zainal Ruma, Nurman, Anwar Ramli, Andi Mustika Amin","doi":"10.47353/ecbis.v1i4.30","DOIUrl":"https://doi.org/10.47353/ecbis.v1i4.30","url":null,"abstract":"This study aims to determine the financial performance of PT. Bank Sulselbar from 2015 to 2021 using the CAMEL method, to see if PT. Bank Sulselbar is in a healthy or unhealthy predicate. This type of research is a quantitative descriptive research. The sample used in this study is the financial statements of PT. Bank Sulselbar for the 2015-2021 period. Data collection used documentation techniques. The data analysis used is the CAMEL analysis set by Bank Indonesia. The results of this study indicate that the health level of PT. Bank Sulselbar for the 2015 to 2021 period is in the healthy predicate. This can be seen from the results of research on the CAMEL aspect for the last 7 years 2015-2021 consecutively for 2015 it was 71.62, in 2016 it was 77.28, in 2017 it was 70.66, in 2018 it was 70.90, in 2018 it was 70.90. In 2019 it was 69.70, in 2020 it was 69.53, and in 2021 it was 69.87. Based on the provisions of Bank Indonesia regarding the criteria for assessing the soundness of a bank, PT. Bank Sulselbar is in the interval 66-<81 with the Healthy Enough predicate for 2015-2021.","PeriodicalId":331012,"journal":{"name":"Economics and Business Journal (ECBIS)","volume":"40 3-4","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-04-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"134288860","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}
Vira Ayustina, Chalid Imran Musa, Nurman, Anwar, Ahmad Ali
{"title":"The Effect of Non Performing Loan (NPL) and Loan to Deposit Ratio (LDR) Return on Assets (ROA) in PT. Bank Sulselbar","authors":"Vira Ayustina, Chalid Imran Musa, Nurman, Anwar, Ahmad Ali","doi":"10.47353/ecbis.v1i3.32","DOIUrl":"https://doi.org/10.47353/ecbis.v1i3.32","url":null,"abstract":"The purpose of this research is totest and analyze the effect of Non Performing Loans (NPL) and Loan to Deposit Ratio (LDR) on Return On Assets (ROA) at PT. Sulselbar Bank. The techniques for collecting secondary data are obtained from the Financial Data at PT. Sulselbar Bank. The population is the financial statements at PT. Bank Sulselbar from August 2017 to December 2021, and the samples taken are monthly data for 4 (four) years and 5 (five) months. So, the amount of data obtained is 53. The results of the research have been tested on classic assumptions such as the assumption of normality, the assumption of multicollinearity and the assumption of heteroscedasticity. By applying multiple linear regression techniques in the process of analyzing the data. The results showed that partially Non Performing Loans (NPL) had a negative and insignificant effect on Return on Assets (ROA) and Loan To Deposit Ratio (LDR) had a positive and insignificant effect on Return on Assets (ROA). Simultaneously Non Performing Loans (NPL) and Loan to Deposit Ratio (LDR) have a positive effect","PeriodicalId":331012,"journal":{"name":"Economics and Business Journal (ECBIS)","volume":"117 19 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-04-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126407379","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}
Muhammad Imaduddin As'ad, Agung Widhi Kurniawan, Anwar, Anwar Ramli, Andi Mustika Amin
{"title":"Analysis of Financial Distress of Cigarette Sub Sector Companies Listed on the Indonesia Stock Exchange Period 2017-2021","authors":"Muhammad Imaduddin As'ad, Agung Widhi Kurniawan, Anwar, Anwar Ramli, Andi Mustika Amin","doi":"10.47353/ecbis.v1i3.24","DOIUrl":"https://doi.org/10.47353/ecbis.v1i3.24","url":null,"abstract":"This study aims to determine the potential for bankruptcy experienced by industrial companies in the cigarette sub-sector in 2017-2021. This type of research uses descriptive quantitative with a population of issuers in the cigarette sub-sector during 2017-2021. Sampling using purposive sampling method to get 4 companies. Data collection was carried out using documentation techniques. Data analysis techniques using the First Altman Z-Score. The results showed that in the last five years the potential for bankruptcy in cigarette sub-sector companies was low because there was only one company that had the potential to go bankrupt, namely PT. Bentoel Internasional Investama Tbk. The company is in a vulnerable precautionary zone for bankruptcy during 2018-2019 and there are indications that the company is experiencing financial difficulties in 2020. The company PT. Gudang Garam Tbk, PT. Hanjaya Mandala Sampoerna, PT. Wismilak Inti Makmur Tbk, has no potential for bankruptcy.","PeriodicalId":331012,"journal":{"name":"Economics and Business Journal (ECBIS)","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-03-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130340307","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}
Ahmad Maulana Putra, Zainal Ruma, Muhammad Ilham Wardhana Haeruddin, Amiruddin Tawe, Muh. Ichwan Musa
{"title":"The Influence of Product Quality, Price, and After-Sales Service on the Purchase Decision of Honda Matic Motorcycle","authors":"Ahmad Maulana Putra, Zainal Ruma, Muhammad Ilham Wardhana Haeruddin, Amiruddin Tawe, Muh. Ichwan Musa","doi":"10.47353/ecbis.v1i3.27","DOIUrl":"https://doi.org/10.47353/ecbis.v1i3.27","url":null,"abstract":"The purpose of this study was to determine the effect of product quality, price, and after-sales service on purchasing decisions for Honda brand Matic Motorbikes individually and simultaneously. The sample used was 100 students of the Faculty of Economics and Business who had been selected based on predetermined criteria. Data collection techniques were carried out by questionnaire and literature study. The data analysis technique consists of validity test, reliability test, classical assumption test which consists of normality test, multicollinearity test, and heteroscedasticity test, multiple linear analysis test, hypothesis testing, determinant coefficient test. All independent variables have a correlation that is in the same direction as the dependent variable (purchase decision). The most dominant variable influencing purchasing decisions is the product quality variable. Which means that the dependent variable purchasing decisions can be explained by variables consisting of product quality, price, and after-sales service, the rest is explained by other variables that are not examined.","PeriodicalId":331012,"journal":{"name":"Economics and Business Journal (ECBIS)","volume":"17 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-03-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125085964","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}
Karmila Maharani, Romansyah Sahabuddin, Tenri S.P. Dipoatmodjo, Burhanuddin, Zainal Ruma
{"title":"The Effect of Job Satisfaction and Employee Commitment on Employee Performance at the Social Service of Makassar City","authors":"Karmila Maharani, Romansyah Sahabuddin, Tenri S.P. Dipoatmodjo, Burhanuddin, Zainal Ruma","doi":"10.47353/ecbis.v1i3.28","DOIUrl":"https://doi.org/10.47353/ecbis.v1i3.28","url":null,"abstract":"This study aims to (1) determine the effect of job satisfaction on employee performance, (2) determine the effect of employee commitment on employee performance, (3) determine the effect of job satisfaction and employee commitment jointly on employee performance at the Makassar City Social Service . The data used in this study are primary and secondary data with a total sample of 69 respondents. This study used a quantitative approach and was analyzed using multiple linear regression analysis with the help of SPSS 22 data processing to prove three hypotheses. The results of this study prove that the variable Job Satisfaction has a significant effect on Employee Performance with a t count of 2.964 > t table of 1.996. The Employee Commitment variable has a significant effect with a t count of 2.943 > t table of 1.996. Based on the results of this study it is also known that the independent variables jointly or simultaneously have a positive and significant effect on the dependent variable, namely Employee Performance at the Makassar City Social Service. Therefore, if job satisfaction and employee commitment continue to be improved, it will certainly increase employee performance.","PeriodicalId":331012,"journal":{"name":"Economics and Business Journal (ECBIS)","volume":"17 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-03-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115504409","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}
Muhammad Rifqi Azhar, Anwar, Muh. Ichwan Musa, Siti Hasbiah, Muhammad Ilham, Wardhana Haeruddin, Siti Musa, Muhammad Hasbiah, Ilham Wardhana, Haeruddin
{"title":"Analysis of Strategies in Increasing Competitiveness at E11evenkick Academy in Makassar City","authors":"Muhammad Rifqi Azhar, Anwar, Muh. Ichwan Musa, Siti Hasbiah, Muhammad Ilham, Wardhana Haeruddin, Siti Musa, Muhammad Hasbiah, Ilham Wardhana, Haeruddin","doi":"10.47353/ecbis.v1i3.20","DOIUrl":"https://doi.org/10.47353/ecbis.v1i3.20","url":null,"abstract":"Strategy Analysis in Increasing Competitiveness at E11evenkick Academy in Makassar City. Thesis Faculty of Economics and Business, Makassar State University Supervised by Anwar and Muh. Ichwan Musa. This study aims to determine strategies for increasing competitiveness at E11evenkick Academy in Makassar City. The type of research used is descriptive qualitative. Descriptive, namely research that aims to describe the nature, circumstances, phenomena, of an individual or group that you want to study. Qualitative research emphasizes quality not quantity and the data collected does not come from questionnaires but comes from interviews, direct observation and other related documents, and in this study the respondents are known as resource persons. The findings of this study explain that E11evenkick Academy is being faced with threats from outside the company but currently these threats can be suppressed and minimized by maximizing and optimizing the internal strengths of E11evenkick Academy. Based on the SWOT analysis, E11 Evenkick Academy is in quadrant II of the SWOT diagram. The strategy that must be implemented is to use the company's strengths to take advantage of long-term opportunities by way of a diversification strategy. The diversification strategy in question is how E11evenkick Academy can increase growth, sales and profits through expanding its market sector. This strategy will serve as the basis for E11evenkick Academy to increase competitiveness, especially in Makassar City.","PeriodicalId":331012,"journal":{"name":"Economics and Business Journal (ECBIS)","volume":"167 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-03-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115068010","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":"The Influence of Transformational Leadership Style and Work Motivation on Employee Performance at Religious Court Office Sinjai District","authors":"Nurfaaizah, Chalid Imran Musa, Zainal Ruma, Agung Widhi Kurniawan, Uhud Darmawan Natsir","doi":"10.47353/ecbis.v1i3.26","DOIUrl":"https://doi.org/10.47353/ecbis.v1i3.26","url":null,"abstract":"This study aims to find out how the influence of transformational leadership style and work motivation on employee performance at the Sinjai District Religious Court Office. The population and this study were 40 employees of the Sinjai District Religious Court. Data collection was carried out using the method of interviews, documentation and distribution of questionnaires. The data analysis technique used is multiple linear regression analysis using Statistical Product and Service Solution (SPSS).","PeriodicalId":331012,"journal":{"name":"Economics and Business Journal (ECBIS)","volume":"8 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-03-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126652086","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":"Analysis of financial Ratio for Predicting Profit Changes at PT. Indofood Sukses Makmur Tbk","authors":"Hartini, Chalid Imran Musa, Nurman, Romansyah Sahabuddin, Burhanuddin","doi":"10.47353/ecbis.v1i3.25","DOIUrl":"https://doi.org/10.47353/ecbis.v1i3.25","url":null,"abstract":"This study aims to test whether the variables Liquidity (CR), Solvency (DAR), and Profitability (ROA) have an influence on Profit Changes at PT. Indofood Sukses Makmur Tbk. The population in this study is all financial report data of PT. Indofood Sukses Makmur Tbk for the 2014-2021 period in each quarter, while the samples in this study are statements of financial position and profit/loss reports. The documentation technique is the data collection technique used. The collected data were analyzed using financial ratios which were then entered into the multiple linear regression equation. Based on the results of this analysis, it can be seen that partially the current ratio and debt to assets ratio do not have a significant effect on changes in earnings. These results are inconsistent with (H1) and (H2) which say the current ratio and debt to asset ratio partially have an influence on changes in earnings. It is also known that partially the return on assets has a significant effect on changes in earnings. These results are in accordance with (H3) which says return on assets has an influence on changes in earnings. From the results of this analysis it can also be seen that simultaneously the current ratio, debt to assets ratio, and return on assets do not have a significant effect on changes in earnings. This result is inconsistent with (H4) which states that the current ratio, debt to asset ratio, and return on assets simultaneously have an influence on changes in earnings.","PeriodicalId":331012,"journal":{"name":"Economics and Business Journal (ECBIS)","volume":"24 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-03-08","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125663714","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}
We Batary Pada, M. Ilham Wardhana Haeruddin, Nurman, Anwar Ramli, Uhud Darmawan Natsir
{"title":"Analysis Financial Performance at PT. Bank Sulselbar Period 2017-2021","authors":"We Batary Pada, M. Ilham Wardhana Haeruddin, Nurman, Anwar Ramli, Uhud Darmawan Natsir","doi":"10.47353/ecbis.v1i3.23","DOIUrl":"https://doi.org/10.47353/ecbis.v1i3.23","url":null,"abstract":"This study aims to determine the financial performance of PT. Bank Sulsebar for the 2017-2021 period is based on three types of ratios, namely liquidity ratios, solvency ratios and profitability ratios. The population in this study is the financial statements of PT. Sulselbar Bank. The sample in this study is the financial statements of PT. Bank Sulselbar Period 2017-2021. The data collection technique used is documentation. The data analysis technique used is descriptive quantitative method and financial ratio analysis. The results of this study indicate that the calculation of the ratio of liquidity and profitability ratios of PT. Bank Sulselbar is above the standard of the banking industry. Calculation of the solvency ratio of PT. Bank Sulselbar is below the standard of the banking industry. So it can be concluded that the financial performance of PT","PeriodicalId":331012,"journal":{"name":"Economics and Business Journal (ECBIS)","volume":"699 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-03-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122983005","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":"Comparison of Business Income on Tajuk and Manjung Short Onion Farming in Tande Village Majene Regency West Sulawesi","authors":"Ahmad Fausi, Deddy Ibrahim Rauf","doi":"10.47353/ecbis.v1i3.22","DOIUrl":"https://doi.org/10.47353/ecbis.v1i3.22","url":null,"abstract":"Red onion is a vegetable commodity that has high economic value in terms of fulfilling national consumption and sources of income. There are 2 types of shallots planted by farmers in the Tande Village, namely Tajuk and Manjung. There fore we want to see which variety is more profitable. This study aims: (1) to compare the productivity of Tajuk and Manjung shallot farming in Tande Village, East Banggae District, East Banggae Regency (2) to determine the comparison of Tajuk and Manjung shallot farming income in Tande Village, East Banggae District, East Banggae Regency. The research method used is by means of purposive sampling by way of consideration that is having a lot of farmer groups. The samples in this study were 20 farmers of the Tajuk variety and 20 samples of the Manjung variety of shallot farmers. The results showed that (1) the average shallot productivity for the Tajuk variety (Sipatuo Farmers Group) on a 3.40 ha land area was 3.42 tons/ha with an average production of 11.53 tons, and on a 1 ha land area the average the average productivity is 8.50 tons/ha with a total production of 8.50 tons. Whereas for the Manjung variety (Lestari Green Farming Group) the average productivity on a land area of 3.25 Ha is 3.18 Tons/Ha with a total production of 10.32 Tons, - the average shallot productivity on 1 Ha land is 7.90 Tons /Ha with total production of 7.90 tons. (2) the average income of Tajuk shallot farmers is greater than the average income of Manjung shallot farmers. The average income of shallot crowns on a land area of 3.40 Ha is Rp. 79,694,286 the average income of farmers on 1 Ha of land is Rp. 132,486,668. Whereas for the Manjung variety, the average income on a land area of 3.25 is Rp. 63,679,020, - the average income of farmers on 1 Ha of land is Rp. 120,517,501.","PeriodicalId":331012,"journal":{"name":"Economics and Business Journal (ECBIS)","volume":"12 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-03-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"117015963","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}