Judul: Performance Assessment of Bank XYZ Using the Balanced Scorecard Approach in the Covid 19 Pandemic Era
Abstrak: Industri bisnis perbankan syariah harus memiliki manajemen kinerja yang maksimal sebagai penunjang produktivitas yang optimal. Perbankan syariah juga perlu melakukan penilaian kinerjaguna mengevaluasi serta mengambil keputusan manajemen untuk meningkatkan kinerja sehingga dapat meningkatkan produktivitas perusahaan. Kinerja bank syariah di Indonesia akibat pandemi covid 19 mengalami penurunan. Hal ini menarik peneliti melakukan penelitian yang bertujuan untuk meneliti penilaian kinerja Bank XYZ era pandemi covid 19 sebagai bank syariah pertama di indonesia dan pengaruh perspektif pelanggan, proses bisnis internal, serta pembelajaran dan pertumbuhan terhadap perspektif keuangan Bank XYZ . Metode penelitian yang digunakan dengan pendekatan balanced scorecard dan analisis regresi berganda. Alat analisis yang digunakan adalah software microsoft excel dan SPSS. Data yang digunakan adalah data primer berupa kuesioner dan wawancara serta data sekunder berupa laporan keuangan tahun 2008-2021. Hasil penelitian menunjukkan bahwa Penilaian kinerja Bank XYZ dengan metode balanced scorecard saat era pandemi masih dibawah skor maksimal 4. Hal ini karena indikator keuangan ROA, ROE, FDR, NPM, dan NPF Bank XYZ masih dalam kategori belum ideal, indikator pelanggan kepuasan pelanggan, pertumbuhan pelanggan, profitabilitas konsumen, dan market share belum maksimal, indikator proses bisnis internal pertumbuhan bisnis growth rate kantor dan ATM masih kurang diimbangi dengan inovasi, serta indikator pembelajaran dan pertumbuhan kepuasan karyawan, produktivitas karyawan, dan turnover employee belum efisien. Pengaruh perspektif pelanggan terhadap perspektif keuangan adalah negatif dimana semakin tinggi perspektif pelanggan maka akan menurunkan perspektif keuangan dalam indikator dana pihak ketiga yang akan disalurkan melalui pembiayaan. Pengaruh perspektif proses bisnis internal terhadap perspektif keuangan adalah negatif dimana semakin tinggi perspektif proses bisnis internal maka akan menurunkan perspektif keuangan dalam indikator jumlah kantor dan ATM guna efesiensi beban operasional. Pengaruh perspektif pembelajaran dan pertumbuhan terhadap perspektif keuangan adalah positif dimana semakin tinggi perspektif pembelajaran dan pertumbuhan maka akan meningkatkan perspektif keuangan dalam indikator produktivitas karyawan., The Islamic banking business industry must have maximum performance management to support optimal productivity. Islamic banking also needs to conduct performance appraisals to evaluate and make management decisions to improve performance so as to increase company productivity. The performance of Islamic banks in Indonesia due to the Covid 19 pandemic has decreased. This is interesting for researchers to conduct research that aims to examine the performance appraisal of Bank XYZ during the Covid 19 pandemic as the first Islamic bank in Indonesia and the influence of the customer perspective, internal business processes, and learning and growth on the financial perspective of Bank XYZ . The research method used is the balanced scorecard approach and multiple regression analysis. The analysis tools used are Microsoft Excel and SPSS software. The data used is primary data in the form of questionnaires and interviews as well as secondary data in the form of financial reports for 2008-2021. The results showed that the performance assessment of Bank XYZ using the balanced scorecard method during the pandemic era was still below the maximum score of 4. This was because the financial indicators ROA, ROE, FDR, NPM and NPF of Bank XYZ were still in the not ideal category, indicators of customer satisfaction , customer growth, consumer profitability, and market share have not been maximized,
Keyword: Balanced Scorecard, Islamic Banking, Management, Performance

Judul: Profitability Analysis of Conventional Banks and Islamic Banks in Indonesia Before and During the Covid-19 Pandemic
Abstrak: Covid-19 memiliki dampak yang sangat besar dalam bidang ekonomi termasuk sektor perbankan. Penelitian ini bertujuan untuk menganalisis perkembangan rasio keuangan dan determinan yang memengaruhi profitabilitas bank konvensional dan bank syariah di Indonesia periode triwulan I-2019 hingga triwulan IV-2020. Sampel yang digunakan terdiri dari 10 bank konvensional dan 10 bank syariah. Penelitian ini menggunakan metode data panel dengan ROA sebagai variabel dependen. Adapun variabel independen terdiri dari CAR, NPL/NPF, NIM/NOM, BOPO, LDR/FDR, pertumbuhan ekonomi, dan inflasi. Hasil analisis data menunjukkan bahwa CAR dan NIM berpengaruh positif dan signifikan, serta BOPO berpengaruh negatif dan signifikan terhadap ROA pada bank konvensional. Pada bank syariah, hanya NOM yang menunjukkan pengaruh signifikan terhadap ROA dengan arah positif., Covid-19 has a huge impact in the economic field including the banking sector. This research aims to analyze the development of financial ratios and determinants that affect the profitability of conventional banks and Islamic banks in Indonesia in the first quarter of 2019 to the fourth quarter of 2020. The sample used consisted of 10 conventional banks and 10 Islamic banks. The study used the panel data method with ROA as a dependent variable. The variables independents consist of CAR, NPL/ NPF, NIM / NOM, BOPO, LDR / FDR, economic growth, and inflation. The results of the data analysis showed that CAR and NIM had a positive and significant effect, and BOPO had a negative and significant effect on ROA on conventional banks. In Islamic banks, only NOM shows a significant influence on ROA in a positive direction.
Keyword: financial ratio, macroeconomic indicators, panel data, profitability, ROA

Judul: Biology Of Columbia Lance Nematode (Hoplolaimus Columbus Sher) On Soybean Excised Root Culture
Abstrak: S. Supramana, S. A. Lewis,.J. D. Mueller, B. A. Fortnum, and R. E. Ballard. 2001. Biology of Columbia lance nematod. ~ (Hoplolaimus columbus Sher) on soybean excised root culture. Nematropica 31 :283-2~)O. Feeding, egg development and oviposition, embryology, and postembtyonic development or Hoplolaimus col'lmbuswere observed on soybean (cultivar Hutcheson) excised root culture in Gam borg's B5 medium (pH 5.7,1.3% agar). Petri plate sterile cultures were placed inverted on a heated microscope stage (30°C) and observations were conducted using a color video camera and a time lapse digital videoca:;sette recorder. Oocytes were obsetved in each gonad 38 hours after feeding commenced and all egg possessing a terminal stalk was laid 96 hours later. Eggs were deposited it, the one-celled stag~ and a total of 217 hours (9 days) was required for a"newly laid egg to develop into a hatching second-stage juvenile at 30°C. Postembryonic development consisted of threejuvenile stages and an adult female with prior feeding occurring before molts and oviposition. The nematode fed ectoparasiticallyon the subepidermal cells and endoparasitically in the cortex and outer vascular tissue and remained at the infection site for 2·9 days. Key words: Columbia lance nematode, embryology, excised root culture, feeding behavior, HOfilo{aimus columbus, life cycle, oviposition, postembryonic development, soybean.
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