Effect of Financial Distress Ratio in Banking Company in Indonesia: Period 2011-2015

This study aims to analyze the influence of financial ratios proxied with Non Performing Loans (NPLs), Loans to Deposit Ratio (LDR), Operational Costs to Operating Income (BOPO), and Return On Assets (ROA) to financial distress. The data used in this research is obtained from the Annual Publication Financial Report of commercial bank period 2011-2015. The population in this study were 35 commercial banks registered in the Directory of Bank Indonesia in the category of Private Foreign Exchange National Banks. After passing the stage of purposive sampling, obtained 16 (distress). The statistical method used to test the research hypothesis is logistic regression method. The results showed that all ratios simultaneously (simultaneously) have an effect on financial distress but partially have no effect. The NPL ratio has no significant positive effect, LDR ratio has no significant positive effect, BOPO ratio has negative effect is not significant and ROA ratio has negative effect is not significant. Keywords: NPL, LDR, BOPO, ROA, Financial Distress, Logistic Regressio

ANALISIS TINGKAT KESEHATAN BANK DENGAN METODE RGEC (Studi Kasus PT. Bank BNI Tbk)

ABSTRAKAnalisis Tingkat Kesehatan Bank Dengan Metode RGEC Studi Kasus PT.Bank BNI (Persero) Tbk.  Penelitian ini bertujuan untuk mengetahui bagaimana tingkat kesehatan PT Bank Negara Indonesia (Persero) Tbk. Penelitian ini diukur menggunakan pendekatan RGEC (Risk Profile, Good Corporate Governance, Earnings, Capital) pada tahun 2013-2017. Jenis penelitian yang digunakan adalah jenis penelitian deskriptif dengan pendekatan kuantitatif pada Laporan Keuangan BNI. Variabel dan pengukuran pada penelitian ini terdiri dari faktor Risk Profile, faktor Good Corporate Governance, faktor Earnings, faktor Capital. Hasil analisis menunjukkan bahwa tingkat kesehatan BNI pada tahun 2013 sampai dengan 2017 yang diukur menggunakan pendekatan RGEC dapat dikatakan bank yang sehat. Faktor Risk Profile yang dinilai melalui NPL, LDR, Cash Ratio  menggambarkan pengelolaan risiko yang telah dilaksanakan dengan baik. Faktor Good Corporate Governance BNI sudah memiliki dan menerapkan tata kelola perusahaan dengan sangat baik. Faktor Earnings atau Rentabilitas yang penilaiannya terdiri dari ROA mengalami kenaikan dan hal ini menandakan bertambahnya jumlah aset yang dimiliki BNI diikuti dengan bertambahnya keuntungan yang didapat oleh BNI. Dengan menggunakan indikator CAR, peneliti membuktikan bahwa BNI memiliki faktor Capital yang baik, yaitu diatas ketentuan Bank Indonesia sebesar 8%.Kata kunci: Tingkat Kesehatan Bank dan Metode RGE

Analysis of Financial Performance of Local Government through South Tangerang Calculation of Realization Regional Budget

Regional autonomy is the authority of the autonomous regions to organize and take care of its people, in accordance with the regulations applicable law. To assess the performance of local government (local government) in managing local financial is to perform financial ratio analysis of the financial statements and the realization of local government budgets. The purpose of this study was to determine the financial performance of South Tangerang City Government for 2010-2014 as well as to determine the level of efficiency and effectiveness of South Tangerang city government in managing its resources. The data used in this research is descriptive quantitative research that the financial statements of Local Government. Furthermore, the data will be analyzed using a number, ranging from data collection, interpretation of the data and the appearance of the resultsData used are secondary data from Revenue Budget Realization Report and Expenditure South Tangerang City in 2010-2014 After analysis, the results showed that (1) Financial performance Revenue South Tangerang City Regional are generally said to be good. This is evidenced (a) Ratio Independence Regional Income average above 100%, (b) Ratio Effectiveness and Efficiency of Local Taxes, the general effectiveness ratio average of 55.002% and the ratio of average efficiency of 5.3304%, Degree ( 2) Financial performance Regional Shopping South Tangerang City Government in general can be quite good.Keywords: Financial Performance, independence ratio, the ratio of the effectiveness of efficiency, the ratio growt

Effect of Financial Distress Ratio Banking Company in Indonesia Period 2011-2015

This study aims to analyze the influence of financial ratios proxied with Non Performing Loans (NPLs), Loans to Deposit Ratio (LDR), Operational Costs to Operating Income (BOPO), and Return On Assets (ROA) to financial distress. The data used in this research is obtained from the Annual Publication Financial Report of commercial bank period 2011-2015.The population in this study were 35 commercial banks registered in the Directory of Bank Indonesia in the category of Private Foreign Exchange National Banks. After passing the stage of purposive sampling, obtained 16 (distress). The statistical method used to test the research hypothesis is logistic regression method.results showed that all ratios simultaneously (simultaneously) have an effect on financial distress but partially have no effect. The NPL ratio has no significant positive effect, LDR ratio has no significant positive effect, BOPO ratio has negative effect is not significant and ROA ratio has negative effect is not significant. Keywords: NPL, LDR, BOPO, ROA, Financial Distress, Logistic Regressio

The Effect of Return on Equity and Earning Per Share on Stock Prices Period 2011 – 2017 (Case Study: Adaro Energy, Tbk.)

The purpose of this study is to know the Return On Equity (ROE), Earning Per Share (EPS) and the Share Price of PT. Adaro Energy, Tbk. and to determine the effect of Return On Equity (ROE), Earning Per Share (EPS) both partially and simultaneously on the stock price of PT. Adaro Energy, Tbk.  2011 – 2017 period.  This study uses secondary data, namely data taken indirectly from the source. The research method uses a quantitative descriptive approach and tests the classical assumptions which include, normality test, multicollinearity test, autocorrelation test, heteroscedasticity test, and data analysis including simple linear regression, multiple linear regression, test coefficient of determination, and hypothesis test (t and F) . The partial test results (t test) for the ROE variable on stock prices obtained thitung = 2.522 <2.570 with a significant 0.053> 0.05 which means that Ho is accepted and H1 is rejected where ROE does not have a significant effect on stock prices, while for EPS variables on stock prices obtained thitung 4.316> 2.570 with a significance of 0.008 <0.05, which means that Ho is rejected and H2 is accepted where EPS has a significant influence on the Stock Price. Simultaneous tests (Test F) obtained Fcount 9,430> 6,94 with a significance number of 0,031 <0,05, which means that Ho is rejected and H3 is accepted where there is a significant effect between ROE and EPS simultaneously on Stock Prices. The Coefficient of Determination (KD) is indicated by the number 0.825 which concludes that ROE and EPS contribute 82.5% to the Stock Price, while the remaining 17.5% is influenced by other variables not examined. Keywords: Return On Equity (ROE), Earning Per Share (EPS), and Stock Price. DOI: 10.7176/RJFA/10-10-14 Publication date:May 31st 201

Analisis Sifat-sifat Permukaan Birnessiteyang Dipreparasi dari Dua Agen Pereduksi Berbeda

The layered manganese oxides having birnessite structure have been successfully synthesized using the two different types of reducing agents by solid-state ceramic method. The reducing agent used in this study was oxalic acid and glucose. Birnessite synthesized has been characterized using XRD, SEM and methylene blue adsorption. The XRD results indicated that the two types of reducing agents produced mainly birnessite phases with different crystallinity .Birnessites synthesized from two reducing agents have different surface properties as indicated from data of SEM and methylene blue adsorption

Preparasi Mangan Oksida Hasil Pertukaran Kation Mg 2+ dengan K-birnessite yang Disintesis Menggunakan Reduktor Glukosa

Todorokite is a family of tunneled manganese oxide with 3x3 tunnel framework. It could beprepared through a precursor Mg-birnessite by reflux method. In this study, K-birnessite was prepared by ceramic routes using glucose as reducing agent. K-birnessite was then ion-exchanged with Mg 2+ to form Mg-birnessite. The typical reaction conditions for ion-exchanged K + with Mg 2+ were as follows: contact times of 10, 12, 14, 16 and 18 hours with 16 hours for the optimum replacement ion K + with ion Mg 2+ . The total replacement of ion K + by ion Mg 2+ was 94,32%. Data from the X-ray diffraction pattern showed the formation of todorokite at 2Ө = 9,02o with d-spacing 9,79Å, but the peak for K-birnessite also appeared at an angle 2Ө = 12,57o with d-spacing 7,03Å. Thermal analysis of Mg-birnessite was observed by TG-DTA curve that showed the weight loss of Mg-birnessite about 20%. DTA curve also showed endotermic peak at 900oC, which indicated the transformation phase from layered to tunneled structure

Peran Koperasi Dalam Mengembangkan Potensi Ekonomi Anggota Dan Masyarakat Di Desa Sindanglaya Kecamatan Tanjung Siang Kabupaten Subang Jawa Barat

Tujuan dari Pengabdian kepada Masyarakat (PKM) ini adalah untuk mengetahui peran koperasi dalam mengembangkan potensi ekonomi anggota dan masyarakat di Desa Sindanglaya Kecamatan Tanjung Siang Subang Jawa Barat. Metode yang digunakan dalam PKM ini adalah penyuluhan kepada.  masyarakat desa Sindnaglaya Tanjung Siang Subang, tentang :pemahaman masyarakat terhadap peran koperasi dalam mengembangkan potensi ekonomi anggota. dan pemahaman masyarakat terhadap peran koperasi dalam mengembangkan potensi ekonomi masyarakat. Hasil dari pelaksanaan PKM ini, diharapkan masyarakat desa Sindanglaya Kecamatan Tanjung Siang Kabupaten Subang Jawa Barat dapat memahami secara optimal peran sebagai anggota koperasi dan masyarakat desa dalam mengembangkan potensi ekonomi yang ada di wilayahya, sehingga terbentuknya masyarakat yang mandiri dan sejahtera

Analysis of Financial Performance: Case Study of Pt. X Employee Cooperative

This study aims to determine the level of health, growth and business prospects of the employees of the PT. X cooperative. The results of this study indicate that employees of general health level PT. X are in the category "moderately healthy" obtaining the average score of 68.00. Based on the result of a common size analysis of the balance sheet and operating result for the 2014-2018 period, PT. X did not experience significant growth and was really stable. Although based on the analysis of the segment report, the multipurpose loan business is the business with the most prospects for development.Este estudio tiene como objetivo determinar el nivel de salud, crecimiento y perspectivas comerciales de los empleados de la cooperativa PT. X. Los resultados de este estudio indican que los trabajadores de nivel de salud general PT. X se encuentran en la categoría “moderadamente saludable” obteniendo la puntuación media de 68,00. Basado en el resultado de un análisis de tamaño común del balance general y resultado operativo para el período 2014-2018, PT. X no experimentó un crecimiento significativo y se mantuvo realmente estable. Si bien se basa en el análisis del informe de segmento, el negocio de préstamos multipropósito es el negocio que tiene más perspectivas de desarrollo