The development and management of student literacy data have become a central issue discussed recently; its purpose is to support the Government's agenda to improve the national economy, including Indonesia. We searched for data online on several sources related to financial literacy in student countries and the goals of increasing the country's economy. We examine this location under the lychee phenomenon approach. We involve a comprehensive data coding system, evaluation, and interpretation of data to get relevant conclusions and valid answers to problems. Based on the existing data and discussion of the results, we can conclude that efforts to develop student literacy are significantly carried out by every Government, not only by Indonesia but by several other developed countries; this is because, as much as possible, the Government develops literacy governance for generations of students, so they will get a generation that can improve national economic development. Hopefully, these results can be helpful for further studies by academics, decision-makers, and the wider community.
This study aims to determine the difference in financial performance between state-owned banks and national private banks listed on the Indonesia Stock Exchange (IDX) in 2017 – 2019. The financial performance variables studied consisted of Capital Adequacy Ratio (CAR), Net Profit Margin (NPM). and Return On Assets (ROA). The population of this study were all banks listed on the Indonesia Stock Exchange (IDX) in 2015–2019. Of all banks listed on the Indonesia Stock Exchange (IDX) in 2015–2019, 29 banks met the criteria as samples in this study, which consists of 5 state-owned banks and 24 privately-owned banks. The research hypothesis was tested by using the analysis technique of the T-Test and Mann-Whitney Test. The results showed that from the aspect of the Capital Adequacy Ratio (CAR) it was not proven that there was a significant difference in performance between state-owned banks and private banks. Judging from the aspect of Net Profit Margin (NPM) and Return On Assets (ROA), it is proven that there is a significant difference in performance between state banks and private banks. Based on the results of this study, it is recommended that investors or potential investors always consider aspects of Net Profit Margin (NPM) and Return On Assets (ROA) in making investment decisions, while the Capital Adequacy Ratio (CAR) factor can be ignored.
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