Ilomata International Journal of Management
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The Effect of Lending and Placement of Funds in Other Banks on the Bank's Ability to Increase Profitability
Get PDFThis study aims to determine and analyze the effect of lending and placement of funds in other banks on the ability of banks to increase profitability. The study was taken data from one of the XYZ micro banking institutions in West Sumatra, based on year-end financial data from 2009 to 2019. This research uses a quantitative approach. The data source used is secondary data in the form of financial statement data for micro banking institutions for 11 (eleven) years. The data analysis method uses the Ordinary Least Square (OLS) method. The results showed that partially lending had a negative and significant effect on increasing profitability, placement of funds in other banks had a negative and insignificant effect on the increase in profitability of XYZ micro banking. Simultaneously, the variable of credit distribution and placement of funds in other banks has a significant effect on the increase in profitability of the XYZ micro banking institutio
Moonlighting, Harm? : Student Perception of the Effect of Moonligthing, Achievement Motivation on Lecturer Performance
Get PDFThis study aims to determine students 'perceptions of the term moonlighting lecturers and find out the effect of moonlinghting on lecturers' performance which is mediated by achievement motivation. This study uses quantitative methods with path analysis based on data from 145 student respondents in private universities in Jeneponto Regency. The results of the study showed that students perceive moonlighting as a natural thing for lecturers to do as an alternative to meet the needs of lecturers. The findings indicate that moonlighting has a significant positive indirect effect which is mediated by the achievement motivation of lecturers on the performance o
Analysis of the Effect of Operating Leverage and Financial Leverage on Companies Profitability Listed on Indonesia Stock Exchange
Get PDFThe purpose of this study was to explain the influence of the Degree of Operating Leverage (DOL) and Degree of Financial Leverage (DFL) on company profitability. The population in this study was consumer goods companies listed on the Indonesia Stock Exchange in 2017-2018, with 33 sample companies selected using purposive sampling. Method research was causality research and the data used is quantitative data. The company published a complete financial report from 2017 to 2018 which could be accessed through the Indonesian Stock Exchange Website and related company websites. The data were analyzed using the SPSS 21 application. The result shows that individual testing of DOL with profitability and DFL with profitability and joint testing of DOL and DFL with profitability found that DOL and DCL did not have a significant effect on the changes in company profitability (ROE and ROA) .
 
The Effect Of Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), Non-Performing Loan (NPL), and Loan To Deposit Ratio (LDR) Against Return On Asset (ROA) In General Banks In Southeast Asia 2012-2018
Get PDFThis study aims to determine the effect of Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), Non Performing Loan (NPL), dan Loan to Deposit Ratio (LDR) in the Return On Asset (ROA) on the Commercial Banks in Southeast Asia in 2012-2018. The independent variabel used in this study is Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), Non Performing Loan (NPL), dan Loan to Deposit Ratio (LDR). The dependent variabel used is Return On Assets (ROA). The methode used in this study uses purposive sempling technique, using scondary and quantitative data. The results of the analysis show that the data used in this study have met the classical assumption test, multiple regression analysis and hypothesis testing using t test an f test and the test the coefficient of determination using SPSS version 23. Based on the results of the study it can be concluded that 1) Capital Adequacy Ratio (CAR) has a positive and significant effect on Return On Asset (ROA). 2) Net Interest Margin (NIM) has a positive and significant effect on Return On Asset (ROA). 3) Non Performing Loan (NPL) no has a positive and significant effect on Return On Asset (ROA). 4) Loan to Deposite Ratio (LDR) has a negative and significant effect on Return On Asset (ROA)
The Analysis of Cash Management to Cash Ratio At PT. Bima Indo Persada: The Analysis of Cash Management to Cash Ratio At PT. Bima Indo Persada
Get PDFThe study was conducted at PT. Bima Indo Persada in Bima City. This study aims to determine how to manage the cash at PT. Bima Indo Persada. The type of study is descriptive. The data analysis techniques used are the one-sample test analysis by determining cash in and cash out (cash flow) in the financial statements of PT. Bima Indo Persada. Judging from the results of the data tabulation at PT. Bima Indo Persada, cash management is still unstable. Therefore, PT. Bima Indo Persada experienced an increase in cash in 2014 of 16.56%. In 2015, there was an increase in cash of 32.65% and 34.08% in 2016. In the previous three years, the cash management at PT Bima Indo Persada has been well by seeing this increase. The data collection techniques in this study use 4 methods, namely the method of observation, interviews, documentation, and study of literature. The authors hope that in the future PT. Bima Indo Persada will be better than the previous year in cash management. The problems at PT. Bima Indo Persada is the cash management that has not been balanced yet. The authors also hope that PT. Bima Indo Persada establishes good partners with the various financial institutions in Indonesia and in Bima City
Effects of Pandemic Covid 19 on Indonesia Banking : (Comparison of Covid 19 With Monetary Crisis 1998)
Get PDFThe Covid 19 pandemic befell the world and Indonesia was no exception. This pandemic affects not only health but also socio-economic. When the economy is hit then the banking sector is also hit. This study attempts to look at the effects of the Covid 19 pandemic and compare it with the 1998 monetary crisis. By comparing these two crises we can see the differences and similarities of the current crisis. But the most important thing is how regulators and banking can draw lessons from the 1998 crisis to be applied to the current crisis. This research is applicative research that is by applying the existing framework to a new situation. The framework used in this study is a seven-tier system in managing bank assets and liabilities. From the results of this study can be seen the fundamental differences between the crisis of Pandemic Covid 19 and the monetary crisis of 1998. This study concludes that the banking conditions in Indonesia are currently more resistant to crisis. However, government support, especially in the adoption of macroeconomic policies, is still needed to maintain economic stability
Effect of Emotional Experience, Electronic Word of Mouth, Reputation, Customer Satisfaction on Loyalty : (Empirical Study: Lion Air)
Get PDFLion Air was chosen by the public as an airline because of its lower fares compared to other airlines. However, Lion Air also often creates problems in terms of service, namely passenger displacement due to delay. With a negative emotional experience will have an effect on reputation decline, due to electronic word of mouth by consumers who are dissatisfied with the service. This type of research uses quantitative methods. The population of this research is all consumers who have used Lion Air transportation services with a sample of 100 respondents. The data collection method uses purposive sampling method. Technical analysis using SMART PLS 3.0 consists of three types, namely instrument testing, prerequisite tests, and hypothesis testing. The results showed that consumer satisfaction is influenced by emotional experience, E-Wom is influenced by emotional experience, reputation is not influenced by emotional experience, loyalty is not influenced by customer satisfaction, E-Wom is influenced by customer satisfaction, reputation is influenced by consumer satisfaction, Loyalty is influenced by Reputation, Reputation is influenced by E-Wom, and Loyalty is also influenced by E-Wom
Bankruptcy Prediction Analysis Using the Altman Z-Score Method at PT Aneka Tambang (Persero) Tbk
Get PDFThis study aims to determine the prediction of bankruptcy in Aneka Tambang (Persero) Tbk for the period 2011 to 2018. Z-score is the independent variable (X) measuring by five ratios: working capital to total assets, retained earnings to total assets, earnings before interest and tax to total assets, the market value of equity to total liabilities, and sales to total assets. The background of this research is the government's ban on the export of raw minerals, which resulted in Aneka Tambang (Persero) Tbk no longer making overseas sales of nickel ore, which made the company's profit decline. This research method uses descriptive research with a quantitative approach, the source of the data used is secondary data based on financial reports published on the Indonesia Stock Exchange and the official website www.antam.com. The population used is the financial statement data for ten years, namely from 2009 to 2018, while the sample using for eight years, namely from 2011 to 2018. The data collection technique carried out using documentation and literature study techniques. Data analysis techniques were carried out by discriminant analysis using the Altman Z-Score method and one sample t-test analysis. The Altman Z-Score uses five variables that represent liquidity ratios X1, profitability ratios X2 and X3, and activity ratios X4, and X5. The formula Z-Score Z = 0.717 X1 + 0.847 X2 + 3.107 X3 + 0.420 X4 + 0.998 X5. With criteria, Z> 2.99 categorized as a good company. Z between 1.23 to 2.99 categorized as a company in the grey area or area of financial difficulty. Z <1.23 is categorized as a potentially bankrupt company
Influence of Inflation on Poverty in Bima City
Get PDFInflation and poverty are important indicators in the economy, the pace and growth are always strived to be low and stable so as not to cause macroeconomic diseases which will later have an impact on instability on the economy. This study aims to analyze the effect of independent variables on the dependent variable. The independent variable in this study is inflation while the dependent variable is poverty in the City of Bima in the period 2013-2018. The sample in this study is in the form of inflation and poverty data for the past 6 years, namely from 2013 to 2018. The data used in this study are in the form of a list of tables regarding inflation and poverty for 6 years obtained from the Office of the Statistics Indonesia (BPS) office in Bima City. The data used are secondary data and the method used is simple linear regression analysis, simple correlation coefficient, simple linear determination and t-test (2 parties) using SPSS Version 20.0 to get a comprehensive picture of the relationship between one variable with another variable. The results showed that inflation had no effect and was not significant on poverty in Bima City
Consumer Behavior in Online Transportation Services: A Systematic review of Business Strategies
Get PDFPurpose: The reasons for the paper are: first, recognize the components of the online transportation Services with shopper conduct (utilizing, reusing, item returns); second, comprehend the connection between Services acknowledgment and purchaser conduct; third, for Research and improvement of client support system that considers this social reaction to arrange execution results.
Design/methodology/approach: This paper depends on a precise survey of customer conduct and Services execution (particularly in the field of online transportation), which distributed in the International Journal from 2005 to 2017.
Findings: The article shows that present writing on purchaser conduct centers around the utilizing of instruments for advertising to improve client support. There are not many examinations on the utilization of purchaser Services instruments to direct buyer conduct or to deal with the execution of corporate Services. The outcome is a system that incorporates the components of transportation Services and the relationship to shopper conduct.
Originality/value: This article is a thorough audit of shopper conduct, thinking about all parts of Services execution from the point of view of business technique