Pengaruh diversifikasi pendapatan terhadap kinerja bank

Penelitian ini bertujuan untuk menguji pengaruh diversifikasi pendapatan terhadap kinerja bank. Selain itu penelitian ini juga menguji pengaruh diversifikasi pendapatan terhadap kinerja pada bank besar dan bank kecil. Diversifikasi pendapatan diukur dengan proporsi pendapatan non-bunga, pendapatan fee, dan pendapatan trading, sedangkan kinerja bank diukur dengan risiko pasar, risiko akuntansi, nilai perusahaan, dan kinerja akuntansi. Sampel penelitian adalah bank-bank yang terdaftar di Bursa Efek Indonesia periode 2004-2012. Data yang digunakan adalah data panel. Berdasarkan regresi terhadap data panel ditemukan bahwa diversifikasi pendapatan mampu menurunkan risiko pasar, dan sumber pendapatan yang mampu menurunkan risiko adalah pendapatan fee. Diversifikasi pendapatan tidak berpengaruh terhadap nilai perusahaan, namun berpengaruh positif terhadap profitabilitas. Pada bank besar ditemukan pengaruh diversifikasi pendapatan yang lebih negatif terhadap beta saham bila dibandingkan dengan bank kecil.

Pengaruh diversifikasi pendapatan terhadap kinerja bank

Penelitian ini bertujuan untuk menguji pengaruh diversifikasi pendapatan terhadap kinerja bank. Selain itu penelitian ini juga menguji pengaruh diversifikasi pendapatan terhadap kinerja pada bank besar dan bank kecil. Diversifikasi pendapatan diukur dengan proporsi pendapatan non-bunga, pendapatan fee, dan pendapatan trading, sedangkan kinerja bank diukur dengan risiko pasar, risiko akuntansi, nilai perusahaan, dan kinerja akuntansi. Sampel penelitian adalah bank-bank yang terdaftar di Bursa Efek Indonesia periode 2004-2012. Data yang digunakan adalah data panel. Berdasarkan regresi terhadap data panel ditemukan bahwa diversifikasi pendapatan mampu menurunkan risiko pasar, dan sumber pendapatan yang mampu menurunkan risiko adalah pendapatan fee. Diversifikasi pendapatan tidak berpengaruh terhadap nilai perusahaan, namun berpengaruh positif terhadap profitabilitas. Pada bank besar ditemukan pengaruh diversifikasi pendapatan yang lebih negatif terhadap beta saham bila dibandingkan dengan bank kecil.

Bank Specific Factors and Dividend Policy on BUMN Bank in Indonesia

The purpose of this study is to determine whether factors such as Return on Assets (ROA), Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), Non-Performing Loans (NPL), Debt Equity Ratio (DER), Growth of Third-Party Funds (PDPK), and Market to Book Value have a significant effect on dividend policy in state-owned or state-owned banks.  This research is development research from previous research that examined 14 banks in Indonesia (Silalahi et al, 2021).  The data analysis tool used is panel data regression.  The results of this study indicate that the seven x variables affect dividend policy by 20.78%.  Variables that have a significant effect on dividend policy are LDR/RR, CAR and MBV.  The findings in this study are that banking, especially BUMN banking, has unique characteristics compared to other industries.  Apart from the fact that banks have different cash flows from other industries, state-owned companies also have different dividend policies from non-government industries.  Therefore, these factors do not have a significant influence on dividend policy in banking companies in BUMN.Keywords: Dividend Policy, Bank BUMN, Specific Ban

Increasing Product Distribution Capacity and Financial Management Of “Kampung” Chicken Egg Business at Lau Dendang Traditional Chicken Farm

There are several types of chicken farms with various production models. In the production process, partners start by purchasing chicken seeds and providing vitamins and then raising them by providing natural animal feed in the form of vegetables and fruits from traditional markets, so they do not use manufactured animal feed such as pellets and the like. Then, the enlargement process takes 3-5 months. In the husbandry principle, partners use the cage-free principle. However, in the production process, partners still use natural equipment due to limited capital. In addition, partners' knowledge of product marketing management is still minimal, even though the concept of organic production can be a potential brand that differentiates compared to competing products. On the financial management side, the business still combines personal and business finances, there is no clear cash flow report periodically. This causes the business to have no clear profit/loss and relatively slow to develop. Through this program, the implementation team offered solutions in the form of providing machines to facilitate the distribution of goods and increase the capacity of livestock land, providing branding concepts through brands and counseling on simple business financial management principles. The targeted outputs are increased egg production capacity, reduced feed distribution and transportation costs, added value in the form of brands, and simple business financial reports

Improvement of productivity and quality of entrepreneur Bika Bakar in Medan city

In Community Service activities, partners are Bika Bakar business actors in Medan City. The business partner has been engaged in the culinary sector, especially traditional cake type foods since 1990. The type of cake food produced by this business partner is baked bika cake. The production process is carried out at home with the help of several employees and equipment that is still simple, does not have accountancy , packaging that still uses plastic bags and limited access to marketing. Promotions that are lacking make partner products unable to compete with cake products produced by large businesses. Partners still use simple tools so that the production of bika bakar is not optimal in quantity and quality of production, so that Ms. Nurmalis' roasted bika is still less popular than cakes with well-known brands. Improvement in designing good simple bookkeeping in financial management. Increasing the quality and quantity of Bika Bakar production after the addition of a furnace and an increasing number of bika cake molds and using good paper bags, as well as product development through making brands in Bika Bakar Mitra products and online marketing

Development Of Creative Industry Eco-Print As an Effort to Improving The Quality and Productivity Business Business Hand Craft Shans's Craft in Medan

With creativity, items that have no value and are often considered trash can be turned into a product with high economic value, for example leaves. Shanti Permatasari as a creative industry player for home handicrafts created by Shan's Craft uses leaves as raw materials to make various products using the Eco-print technique. Eco-print is a method of coloring and printing natural motifs on fabrics that utilizes leaves or flowers that grow in the yard as a substitute for chemical liquids and is also environmentally friendly. Coloring using natural elements will not cause environmental damage. The development of creative industries is needed to foster community creativity, especially during the current Covid-19 pandemic. Creative industries in the form of handicrafts get enough attention, especially as souvenirs and souvenirs. With the existing potential, the production of the Shan's Craft creation house in the form of handicrafts using the Eco-print technique needs to be supported to increase production and marketing more seriously. Although this business has promising opportunities, there are obstacles in the production process due to the limited space of the workshop which limits the space for movement, production, and even for displaying product displays. In terms of financial management, businesses still combine personal finance and business finance, there is no clear cash flow report on a regular basis. This causes the business to have no clear advantages/disadvantages and is relatively slow to develop. Through this service program, the implementation team offers solutions in the form of expansion and construction of product display rooms for promotional needs, creation of online media accounts as a means of digital promotion, and financial management training and simple bookkeeping of financial statements. The targeted outputs are increased production and sales of eco-print batik, maximum utilization of product display space in reaching the target market, and expanding the market through the use of online media such as social media and e-commerce

Training of alphanumeric filing system and electronic filing to teachers and administrative staffs of junior high school in Dolok Ilir

The archiving process uses a certain system in the preparation, maintenance of records so that they can be recovered quickly and precisely and easily for destruction of archives based on certain criteria. The archive itself has enormous benefits for educational organizations, because the archive is information on activities carried out by schools. Archives in schools need to be well managed, so that archives can be used effectively and efficiently and have good accessibility. The arrangement of archives usually has several problems including, documents cannot be recovered because they are lost, the number of documents is always increasing every day, the storage area for documents is too small compared to the number of documents, so the space is insufficient, not to mention the lack of staff capacity, and the system. The storage is not in accordance with the principles of archiving. For this reason, this service is aimed at providing knowledge and skills in arranging archives in accordance with RI archiving principles, namely using an alphanumeric archive storage system, through training followed by practice and evaluation. Adequate archive facilities and infrastructure are needed in schools for this training. After the dedication was carried out, teachers and administrative staff experienced an increase in knowledge and skills in compiling personal archives and schools got the facilities and infrastructure that supported archiving. Furthermore, an evaluation of the application of archiving in schools is carried out in order to determine its effectiveness in school management

PENINGKATAN DAYA SAING USAHA JASA PENYEDIA MAKANAN DAN MINUMAN DENGAN PENDEKATAN MANAJEMEN DI MOTHERLAND COFFEE

Motherland Coffee merupakan salah satu merek kopi gerobak pada awal pendiriannya, namun pemilik usaha kafe ini menemukan rekan usaha yang memberikannya lokasi untuk dikelola sesuai merk kafe yang pernah berkembang. Pengelola terdiri dari lima orang dengan konsep kerja paruh waktu dan pembagian tugas secara merata. Secara manajemen usaha kafe belum memiliki pembagian kerja berdasarkan konsep Manajemen yang memadai. Pembagian kerja bukan pada basis spesialisasi dan berbasis kebersamaan. Pada aspek SDM personil yang mengelola belum memiliki standar spesifikasi jabatan dan deskripsi pekerjaan. Pada aspek keuangan, penjualan dicatat secara harian dengan menggunakan aplikasi “QASIR” yang menampilkan statistik produk terjual dan nilai transaksi. Namun, pencatatan laporan keuangan seperti neraca, laba rugi, dan arus kas belum diterapkan. Untuk meningkatkan ekspansi operasional, maka diperlukan konsep usaha yang matang agar dapat mencari sumber pendanaan baik dari investor maupun perbankan.Solusi yang ditawarkan untuk permasalahan organisasi antara lain dengan pendekatan Manajemen Fayol yakni merumuskan struktur organisasi, deskripsi pekerjaan, spesifikasi jabatan. Pada aspek pemasaran adalah dengan merumuskan teknik promosi pemasaran digital. Secara manajamen keuangan solusi yang ditawarkan adalah dengan pencatatan transaksi untuk laporan keuangan, dan business plan sebagai alat untuk mendapatkan sumber modal bagi ekspansi operasional usaha