Analisis Perbandingan Kinerja Keuangan Sebelum Dan Sesudah Penerapan E-Commerce

Suryani, Sely Ernawati; Nasri, Rifzaldi

doi:10.24853/jmmb.1.2.109-118

Cited by 3 publications

(5 citation statements)

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“…The population in this study are conventional commercial banks that have implemented branchless banking. In determining the sample, a purposive sampling technique was used, namely determining the sample based on a certain assessment (Sugiyono, 2018). The sample criteria used in this study are 1).…”

Section: Methodsmentioning

confidence: 99%

Comparative Analysis of Financial Performance Before and After the Implementation of Branchless Banking in Conventional Commercial Banks

Frisca widya lestari,

Nizwan Zukhri,

Darman Saputra

2023

Ekspektra J. Bisnis dan Manaj.

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This study aims to analyze the comparison of the financial performance of conventional commercial banks before and after the implementation of branchless banks, namely by measuring the ratios of Return on Assets (ROA), Operational Costs and Operating Income (BOPO), Loan to Deposit Ratio (LDR) and Capital Adequacy Ratio (CAR). This research is a comparative study with a total sample of 7 conventional commercial banks, the sampling of which uses a purposive sampling technique so that the object of research is conventional commercial banks that have not implemented Branchless Banking for five years (2010-2014) and five years after the implementation of Branchless Banking (2015- 2019). Testing the instrument using descriptive analysis and normality test, while for the analytical method using the Paired sample t-test for normally distributed data and the Wilcoxon signed rank test for abnormally distributed data through the SPSS 25 program. The results of this study indicate that based on the results of the Paired test sample t-test on the ROA, BOPO and CAR variables obtained a significance value of 0.00 <0.05, then the RAO, BOPO and CAR variables have significant differences after the implementation of Branchless Banking. Furthermore, based on the Wilcoxon signed rank test on the LDR variable, a significance value of 0.00 <0.05 was obtained, so the LDR variable had a significant difference after the implementation of Branchless Banking. Keywords: Branchless Banking, ROA, BOPO, LDR, CAR

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Section: Methodsmentioning

confidence: 99%

Comparative Analysis of Financial Performance Before and After the Implementation of Branchless Banking in Conventional Commercial Banks

Frisca widya lestari,

Nizwan Zukhri,

Darman Saputra

2023

Ekspektra J. Bisnis dan Manaj.

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“…Hasil penelitian yang sama dengan penelitian ini yaitu dari (Lahallo & Rupilele, 2021), (Ismi Ismawati et al, 2021) dan (Suryani & Nasri, 2020) menyatakaan bahwa indikator current ratio tidak memiliki perbedaan yang signifikan antara sebelum dan selama pandemi Covid-19. Variabel current ratio sering dipakai dalam suatu penelitian akan tetapi variabel ini tidak menjadi alat ukur yang mutlak karena besar kecilnya nilai CR tergantung juga dengan jenis-jenis perusahaannya.…”

Section: Perbedaan Variabel Current Ratio (Cr) Sebelum Dan Selama Ada...unclassified

“…Hasil penelitian yang sama yaitu penelitian dari (Ogbuja et al, 2020), (Nurlaily & Nasution 2021), (Suryani & Nasri, 2020) dan (Ismawati, Andri, 2020) menyatakan bahwa variabel DER tidak memiliki perbedaan yang signifikan antara sebelum dan selama pandemi. Jika DER mempunyai nilai 1 yang digolongkan rendah, maka perusahaan lebih baik tidak mengolah sumber keuangannya yang berasal dari hutang, namun apabila nilai DER diatas 1 maka digolongkan mempunyai resiko tinggi yang akan dihadapi oleh perusahaan.…”

Section: Perbedaan Variabel Debt To Equity Ratio (Der) Sebelum Dan Se...unclassified

“…Nilai rata-rata DER pada perusahaan transportasi sebelum pandemi sebesar 1,1513 dan selama pandemi sebesar 1,1247, maka mengalami penurunan sebesar 0,0266. Hasil penelitian yang sama yaitu penelitian oleh (Suryani & Nasri, 2020), (Ismi Ismawati et al, 2021) dan (Ogbuja et al, 2020) menyatakan bahwa variabel DAR tidak memiliki perbedaan yang signifikan antara sebelum dan selama pandemi Covid-19. Nilai rata-rata DER sebelum pandemi sebesar 0,47 dan selama pandemi sebesar 0,71, maka terjadi peningkatan sebesar 0,24.…”

Section: Perbedaan Variabel Debt To Equity Ratio (Der) Sebelum Dan Se...unclassified

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Analisis Perbandingan Kinerja Keuangan Perusahaan Transportasi Sebelum dan Selama Pandemi Covid-19

Kurniawati,

Sucipto

2023

ekuitas

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The Covid-19 pandemic, which has been endemic throughout the world, is no exception in Indonesia since the beginning of 2020 until now, it has had many impacts in various fields, especially the economy. The Central Statistics Agency (BPS) noted that Indonesia's economy in the second quarter contracted by 5.32%, this condition was caused by declining growth in various businesses. This study aims to compare the financial performance of transportation companies using financial ratio analysis before and during the Covid-19 pandemic for transportation companies listed on the Indonesia Stock Exchange in 2018-2021 so that it can be a recommendation if you want to buy transportation company shares. This research is a quantitative research. In this study data collection from the Indonesia Stock Exchange (IDX) is in the form of secondary data through the official website of the Indonesia Stock Exchange in the form of financial reports. For a total sample of 15 transportation companies listed on the Indonesia Stock Exchange (IDX) during the 2018-2021 period, the sampling technique was purposive sampling. The data analysis technique used in this study was the normality test, Paired Sample T-Test, and Wilcoxon Signed Rank Test. The results showed that the condition of transportation companies before and during the Covid-19 pandemic using profitability ratios with ROA, ROE and NPM measurements did not differ before and during the Covid-19 pandemic, using liquidity ratios with CR measurements there were no differences before and during the Covid pandemic -19, and using the solvency ratio with DER and DAR measurements there is also no difference before and during the Covid-19 pandemic.

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“…Keempat, perspektif sistem informsi (Musthofa & Adiguna, 2022), (Tirtana, Zulkarnain, Kristanto, Suhendra, & Hamzah, 2020), (Armanda & Putra, 2020), (Ramadhan & Fajarita, 2020). Kelima, perspektif manajemen keuangan (Suryani & Nasri, 2020). Sedangkan kajian penelitian perspektif ekonomi, dilihat dari dampak kehadiran e-commerce terhadap pendapatan pedagang sandang belum ada dikaji.…”

Section: Pendahuluanunclassified

Dampak E-Commerce Terhadap Pendapatan Pedagang Sandang Di Pasar Batusangkar

Saputra,

Rahmadani,

Elvina

et al. 2023

JTM

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Artikel ini mengkaji dampak kehadiran e-commerce terhadap pendapatan pedagang sandang Pasar Batusangkar. Permasalahannya ialah kehadiran e-commerce menjadi penyebab utama menurunnya pendapatan usaha. Metode penelitian yang digunakan merupahkan lapangan dengan pendekatan kualitatif. Analisis data menggunakan analisis Miles And Huberman yang meliputi, reduksi data, penyajian data dan penarikan kesimpulan data. Hasil penelitian yang ditemukan dalam penelitian ini ialah menurunnya pendapatan usaha pedagang sandang Pasar Batusangkar. Dimana menurunnya pendapatan usaha, masih ada yang termasuk dalam kategori lampu hijau, dan kebanyakkan telah masuk dalam kategori lampu kuning. E-commerce akan membawa dampak yang merugikan bagi pedagang sandang konvensional dalam jangka panjang karena e-commerce akan mendoktrin otak pembeli menjadi kecanduan berbelanja online, khususnya pada generasi Z dan generasi Alfa. Oleh karena itu, pedagang sandang Pasar Batusangkar harus mengikuti tren zaman dengan beralih menggunakan e-commerce. Namun bila tidak menggunakan e-commerce maka diprediksi dalam jangka panjang pendapatan usaha pedagang sandang Pasar Batusangkar akan lebih turun drastis Kata Kunci: E-commerce, Pendapatan, Pedagang

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Analisis Perbandingan Kinerja Keuangan Sebelum Dan Sesudah Penerapan E-Commerce

Cited by 3 publications

References 0 publications

Comparative Analysis of Financial Performance Before and After the Implementation of Branchless Banking in Conventional Commercial Banks

Comparative Analysis of Financial Performance Before and After the Implementation of Branchless Banking in Conventional Commercial Banks

Analisis Perbandingan Kinerja Keuangan Perusahaan Transportasi Sebelum dan Selama Pandemi Covid-19

Dampak E-Commerce Terhadap Pendapatan Pedagang Sandang Di Pasar Batusangkar

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