The data analysis technique using panel data regression. The results showed that of simultaneously CAR, LDR, BOPO, and NPL have an effect on the ROA. Partially CAR, LDR, and BOPO have a negative effect on ROA, while the NPL variable has no effect on ROA. The implications of this research is that so that the Rural banks determines the appropriate credit distribution ceiling based on the capital consideration held.
During the period 2006-2019 many rural banks were liquidated by Indonesia Deposit Insurance Corporation (LPS) which have an impact on the performance of rural banks. This study aims to determine the effect of CAR, LDR, OCOI and NPL on the ROA of Rural Banks in Indonesia. The results of the study show that CAR, LDR, and OER have a significant effect on ROA. Every increase in operating costs will result in a decrease in pre-tax profit which results in a decrease in ROA. NPL has no significant effect on ROA. because rural bank has a large CAR ratio to cover credit risk.
A research to study a long term influence of soil management systems on water availability-related soil properties has been carried out in Darmaga Bogor. The experiment was conducted in area with conventional intensive tillage system (OTI) and conservation tillage systems (OTK) in dry-farming agriculture in the clay soils (Oxic Dystrudepts) with seasonal crops rotation. The two tillage systems have been practice in the area for more than 12 years. Water retention characteristics and penetrability of soil from the two tillage system were compared. Conventional intensive tillage system appreciably reduced soil organic matter content as compared to conservation tillage. Similar tendency is also found for water retention characteristics. Field capacity, available water capacity, and field water contents are lower in OTI than in OTK, whereas soil penetrability is higher in OTI than that in OTK. A relatively high differences of soil penetrability in the soil profile under intensive tillage system has been observed, possibly due to the compaction of the sub soil.
This study aims to find out how the online business transformation in Micro, Small and Medium Enterprises (MSMEs) during the Covid-19 pandemic. The Covid-19 pandemic has made the majority of economic sectors, especially MSMEs stagnant. The majority of MSME actors cannot develop and many end up in bankruptcy. This is what makes MSME business actors change their sales strategy through digitalization schemes. The digitization scheme is by utilizing a marketplace (intermediary) and using social media as a marketing technique. In addition, digital MSME actors must be able to synergize with netizens in marketing products and services. Thus, the digital MSME development scheme can be an alternative to saving business actors in the midst of the Covid-19 pandemic. This research uses descriptive qualitative method. The formulation of the problem in the research is: how MSMEs adapt to the online business transformation in the era of the Covid-19 pandemic, the impact of MSME turnover on the Covid-19 pandemic, and how big the impact of the COVID-19 The pandemic is on the MSME workforce. This study argues that the development of digital MSMEs has become an alternative to saving as well as developing digital entrepreneurship in Indonesia during the Covid-19 pandemic
The business environment in the retail experience turbulence, strong now many companies to reduce the impact outlets greater losses. Reduction in earnings a problem most of all , and this has potential in bankruptcy retail company in the future This research is analyzing about retail companies affected by the deterioration in performance that has been registered in Indonesia Stock Exchange. Model and data processing used to calculate potential harm is a model altman z score and models springate. Discussion result there is a retail companies go public has the potential to be the calculated use bankruptcy model altman z score as well as a model springate namely pt modern. international. Information , proceedings in potential for bankruptcy at annual report is not disclosure , was recommended to the stakeholders to oblige any new issuers give this information in the annual financial report made that release every year. To be accurate information and credible over the companies condition the truth.
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