Stock price movements are interesting to discuss, because from these price movements investors will get capital gains. Problems arose, however, when Covid-19 hit the world, especially in Indonesia. The purpose of this study, then, is to determine whether there is a relationship and difference in return and risk between Economic Value Added (EVA) and Market Value added (MVA) portfolios in the Indonesian stock market. The sample used is 24 stocks with daily stock return data for the 2015-2020 period. The results of the study found something new, namely that there was a relationship and difference between returns and risks in the EVA and MVA portfolios in Indonesia. In addition, the research succeeded in forming EVA and MVA portfolios that exceeded market returns in Indonesia. The best strategy that investors can apply in investing is to use an active strategy, especially during conditions, such as the Covid-19 pandemic, which have an impact on high market fluctuation.
Banyak instansi yang sekarang ini telah menggunakan platform teknologi informasi untuk mengetahui tingkat kehadiran pegawainya. Dalam contoh kasus pada salah satu instansi pemerintah di Garut, data kehadiran pegawai dari setiap unit kerja yang tersebar di beberapa kecamatan dikirimkan oleh bagian personalia melalui surat elektronik ke kantor pusat. Penelitian yang dilakukan dimaksudkan untuk pengembangan sebuah sistem yang bisa menyajikan informasi presensi pegawai di seluruh unit kerja kepada pengguna informasi di kantor pusat. Metode pengembangan yang digunakan pada penelitian ini yaitu Rational Unified Proccess dengan menggunakan model Unified Modeling Language. Dalam penelitian ini dibuat sebuah sistem informasi yang dapat menyajikan informasi presensi pegawai berdasarkan data presensi dari fingerprint unit kerja yang lokasinya saling berjauhan. Platform memberikan kemudahan dalam pengolahan dan peyajian informasi kehadiran pegawai.
This study aims to analyze the effect of loan to deposit ratio, credit risk on profitability and net interest margin as moderating variables. The research was conducted on the national banking industry. The research population is the banking industry that goes public on the Indonesia Stock Exchange. The sampling technique used was purposive sampling. The research period is 2017-2019 with a sample of 37 banks. The number of pairs of data analyzed was 111 data. The data analysis technique used moderated regression analysis (MRA), with Net Interest Margin as the moderating variable. The results showed that the Loan to deposit ratio had an effect on profitability in a positive direction. Credit risk has a negative effect on bank profitability. Net interest margin is able to strengthen the relationship between loan to deposit ratio and credit risk with profitability. Penelitian ini bertujuan untuk menganalisis pengaruh Loan to deposit ratio, risiko kredit terhadap profitabilitas dan net interest margin sebagai variable moderasi. Penelitian dilakukan pada industry perbankan nasional. Populasi penelitian adalah industri perbankan yang go public di Bursa Efek Indonesia. Teknik sampling digunakana purposive sampling. Periode penelitian tahun 2017-2019 dengan jumlah samel 37 bank. Jumlah pasang data yang dianalisis sebanyak 111 data. Teknik analisis data menggunakan moderated regression analysis (MRA), dengan Net Interest Margin sebagai variable moderating. Hasil penelitian menunjukkan Loan to deposit ratio berpengaruh terhadap profitabilitas dengan arah positif. Risiko kredit berpengaruh negative terhadap profitabilitas bank. Net interest margin mampu memperkuat hubungan antara Loan to deposit ratio dan risiko kredit dengan profitabilitasDOI: https://doi.org/10.26905/afr.v4i1.6154
The development of the integrity zone (ZI) is an effort to maintain integrity as a state civil apparatus in carrying out public services for the community. This activity aims to assist and facilitate performance assessors of the integrity zone (ZI) implementation at the Sabo Technical Center. The implementation of the activity uses two methods, online by using Zoom Meetings and in-person meetings with tutors, technical assistance, and evaluation desks. Carried out effectively for six intermittent working days in September 2021, this activity is located at the Sabo Technical Center, Yogyakarta. The results of the initial evaluation of the implementation of the development of the integrity zone (ZI) on the leveraging component of strengthening public services, for each aspect that becomes the assessment indicator, includes the service standard rate of 85.33; service culture excellence rate of 88.26 and; service satisfaction assessment rate of 91.67. The impact of the implementation of this activity includes increasing implementation team understanding of various regulations that become the harborage of the development of the integrity zone (ZI); governance improvisation of integrity zone (ZI) development documents; improvise infrastructure facilities in public service rooms by meeting the minimum standards set; and presentation improvements on the website owned by the Sabo Technical Center.
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