Kecukupan Modal, Loan to Deposit Ratio, Pertumbuhan Nasabah dan Profitabilitas
Abstract
The importance of the existence of LPDs in traditional villages requires LPDs to always maintain the stability of their profit growth, so it is important for LPDs to know the factors that influence their profitability. The research aims to analyze and determine the influence of capital adequacy, loan to deposit ratio and customer growth on LPD profitability in Denpasar City during the 2019-2021 period. The population in the study were all LPDs in Denpasar City with a total sample of 34 LPDs taken using the purposive sampling method. The research uses secondary data, namely financial reports obtained from LPLPD Denpasar City, and the data is analyzed using multiple linear regression analysis. The research results show that capital adequacy and customer growth have no effect on LPD profitability in Denpasar City, the loan to deposit ratio has a positive effect on LPD profitability in Denpasar City.
Keywords: Capital Adequacy; Loan to Deposit Ratio; Customer Growth; Profitability
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References
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Alnajjar, A. Z. A., & Othman, A. H. A. (2021). The Impact of Capital Adequacy Ratio (CAR) on Islamic Banks’ Performance in Selected MENA Countries. International Journal of Business Ethics and Governance, 116–133. https://doi.org/10.51325/ijbeg.v4i2.70
Anggari, N. L. S., & Dana, I. M. (2020). The Effect of Capital Adequacy Ratio, Third Party Funds, Loan to Deposit Ratio, Bank Size on Profitability in Banking Companies on IDX. American Journal of Humanities and Social Sciences Research (AJHSSR), 4(12), 334–338.
Anggreni, N. K., & Rahyuda, H. (2021). Capital Adequacy Ratio, Net Interest Margin, and Loan to Deposit Ratio on Profitability of Microfinance Institution (Empirical Study at Kintamani, Bali, Indonesia). American Journal of Humanities and Social Sciences Research, 5(4), 567–571. www.ajhssr.com
Antari, D. A. D. (2018). Pengaruh Pertumbuhan Tabungan, Deposito, Kredit dan Pertumbuhan Nasabah Terhadap Profitabilitas pada Lembaga Perkreditan Desa (LPD) di Kecamatan Sukawati. Universitas Mahasaraswati Denpasar.
Ariani, M. W., & Ardiana, P. A. (2015). Pengaruh Kecukupan Modal, Tingkat Efisiensi, Risiko Kredit, dan Likuiditas Pada Profitabilitas LPD Kabupaten Badung. E-Jurnal Akuntansi Universitas Udayana. 13.1 (2015), 1(ISSN: 2302-8556), 30.
Budhathoki, Bahadur, P., Rai, Kumar, C., Lamichhane, Prasad, K., Bhattarai, Ganesh, Rai, & Arjun. (2020). The Impact of Liquidity, Leverage, and Total Size on Banks’ Profitability: Evidence from Nepalese Commercial Banks. Journal of Economics and Business, 3(2). https://doi.org/10.31014/aior.1992.03.02.219
Darmawan, K., & Suartana, I. W. (2018). Tingkat Kecukupan Modal, Pertumbuhan Kredit, dan Risiko Operasional Pada Profitabilitas Lembaga Perkreditan Desa. E-Jurnal Akuntansi, 25, 1156. https://doi.org/10.24843/eja.2018.v25.i02.p13
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Devi, ni putu dian lisna, Kempramareni, P., & Ernawatinigsih, ni putu lisa. (2019). Pengaruh modal, tingkat kredit yang disalurkan, pertumbuhan nasabah dan rasio bopo terhadap rentabilitas ekonomi. EJournal UNMAS, 1(1), 17–36.
Dharma, I. G. O. W., Yuesti, A., & Sudiartana, I. M. (2019). Pengaruh Perputaran Kas, Penyaluran Kredit, Pertumbuhan Tabungan, dan Kecukupan Modal Terhadap Profitabilitas LPD di Kota Denpasar Periode 2013-2016. Jurnal Sains, Akuntansi, Manajemen (JSAM), 1(3).
Djaya, N. K., & Yanuarti, I. (2021). The Influence of Capital Adequacy Ratio and Non-Performing Loan on Profitability of Commercial Banks Listed on The Indonesia Stock Exchange in 2017-2019. Business Excellence and Management, 11(4), 80–94.
Eklof, J., Podkorytova, O., & Malova, A. (2020). Linking customer satisfaction with financial performance: an empirical study of Scandinavian banks. Total Quality Management and Business Excellence, 31(15), 1684–1702. https://doi.org/10.1080/14783363.2018.1504621
Erlangga, O. P., & Mawardi, I. (2017). Pengaruh Total Aktiva, Capital Adequacy Ratio (CAR), Finance To Deposit Ratio (FDR) Dan Non Performing Financing (NPF) Terhadap Return On Assets (ROA) Bank Umum Syariah Di Indonesia Periode 2010-2014. Jurnal Ekonomi Syariah Teori Dan Terapan, 3(7), 561. https://doi.org/10.20473/vol3iss20167pp561-574
Fadikpe, A. A. A., Danquah, R., Aidoo, M., Chomen, D. A., Yankey, R., & Dongmei, X. (2021). Linkages between social and financial performance: Evidence from Sub-Saharan Africa microfinance institutions. PLoS ONE, 17(3 March), 1–24. https://doi.org/10.1371/journal.pone.0261326
Fadun, O. S., & Oye, D. (2020). Impacts of Operational Risk Management on Financial Performance: A Case of Commercial Banks in Nigeria. Fadun and Oye / International Journal of Finance & Banking Studies, 9(1), 2020. www.ssbfnet.com/ojshttps://doi.org/10.20525/ijfbs.v9i1.634
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Hallunovi, A., & Berdo, M. (2018). The Relationship between Risk Management and Profitability of Commercial Banks in Albania. Asian Themes in Social Sciences Research, 1(2), 44–49. https://doi.org/10.33094/journal.139.2018.12.44.49
Hermuningsih, S. (2013). Pengaruh Profitabilitas, Growth Opportunity, Struktur Modal Terhadap Nilai PPerusahaan Pada Perusahaan Publik Di Indonesia. Buletin Ekonomi Moneter Dan Perbankan, 1–22. https://doi.org/10.1177/027046769801800106
Korri, N. T. L., & Baskara, I. G. K. (2019). Pengaruh Capital Adequacy Ratio, Non Performing Loan, Bopo, Dan Loan To Deposit Ratio Terhadap Profitabilitas. E-Jurnal Manajemen Universitas Udayana, 8(11), 6577. https://doi.org/10.24843/ejmunud.2019.v08.i11.p10
Kumar, V., Acharya, S., & Ho, L. T. H. (2020). Does monetary policy influence the profitability of banks in new zealand? International Journal of Financial Studies, 8(2), 1–17. https://doi.org/10.3390/ijfs8020035
Kusumastuti, W. I., & Alam, A. (2019). Analysis of Impact of Car , Bopo , Npf on Profitability of Islamic Banks. Journal of Islamic Economic Laws, 2(1), 30–59.
Mbona, R. M., & Yusheng, K. (2019). Financial statement analysis: Principal component analysis (PCA) approach case study on China telecoms industry. Asian Journal of Accounting Research, 4(2), 233–245. https://doi.org/10.1108/AJAR-05-2019-0037
Nuryanto, U. W., Salam, A. F., Sari, R. P., & Suleman, D. (2020). Pengaruh Rasio Kecukupan Modal, Likuiditas, Risiko Kredit dan Efisiensi Biaya Terhadap Profitabilitas Pada Bank Go Public. Jurnal Akuntansi Dan Keuangan, 7(1), 1–9. https://doi.org/10.52005/aktiva.v2i2.67
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Olalekan, L. I., Olumide, M. L., & Irom, I. M. (2018). Financial Risk Management and The Profitability: An Empirical Evidence From Commercial Banks in Nigeria. Sahel Analyst, 117–137.
Putri, I. G. A. N. K., & Mustanda, I. K. (2019). Pengaruh Kecukupan Modal, Likuiditas, Dan Non Performing Loan Terhadap Profitabilitas Pada Lpd Di Kota Denpasar. E-Jurnal Manajemen Universitas Udayana, 8(6), 3360. https://doi.org/10.24843/ejmunud.2019.v08.i06.p03
Rahmi, Y., & Sumirat, D. E. (2021). A Study of The Impact of ALMA to Profitability During The Covid-19 Pandemic. International Journal of Business Economics and Law, 24(3), 54–65. https://www.ijbel.com/wp-content/uploads/2021/04/IJBEL24-036.pdf
Riyadi, S. (2006). Banking Assets and Liability Management (Edisi Keti). Lembaga Penerbit Fakultas Ekonomi Universitas Udayana.
Sari, A. . P. A. M. P., & Suindari, N. M. (2020). Kesehatan Lpd, Jumlah Nasabah, Dan Suku Bunga Terhadap Profitabilitas Dengan Variabel Pemediasi Pertumbuhan Aset. Akurasi : Jurnal Studi Akuntansi Dan Keuangan, 3(2), 130–150. https://doi.org/10.29303/akurasi.v3i2.52
Sari, F. N., & Endri, E. (2019). Determinants of Return on Assets (ROA) On Conventional Banks Listed On Indonesian Stock Exchange (IDX) Period 2013-2017. IOSR - Journal of Business and Management, 21(4), 52–62. https://doi.org/10.9790/487X-2104025262
Shabani, H., Morina, F., & Misiri, V. (2019). The Effect of Capital Adequacy on Returns of Assets of Commercial Banks in Kosovo. European Journal of Sustainable Development, 8(2), 201. https://doi.org/10.14207/ejsd.2019.v8n2p201
Suputri, N. M. N., Novitasari, N. L. G., & Dewi, N. L. P. S. (2021). Pengaruh tingkat perputaran kas, tingkat perputaran kredit, biaya operasional pendapatan operasional (bopo), tingkat kecukupan modal, dan jumlah nasabah terhadap profitabilitas. Jurnal Kharisma, 3(1), 313–322.
Sutika, I. K., & Sujana, I. K. (2013). Analisis Faktor Kinerja Yang Mempengaruhi Profitabilitas Pada Lembaga Perkreditan Desa. E-Jurnal Akuntansi Universitas Udayana, 1, 68–84.
Uddin, M. K. (2022). Effect of Leverage, Operating Efficiency, Non-Performing Loan, and Capital Adequacy Ratio on Profitability of Commercial Banks in Bangladesh. European Journal of Business and Management Research, 7(3), 289–295. https://doi.org/10.24018/ejbmr.2022.7.3.1463
Wiagustini, N. L. P. (2014). Manajemen Keuangan (J. Atmaja (ed.)). Udayana University Press.
Wibawa, I. N. P., & Astika, I. B. P. (2019). Penilaian Tingkat Kesehatan Lembaga Perkreditan Desa Se-Kecamatan Denpasar Utara Tahun 2016-2017. Jurnal Akuntansi, 30(1), 490–503.
Widari, N. P. A., Sunarwijaya, I. K., & Apriada, I. K. (2021). Pengaruh risiko kredit, jumlah nasabah, bopo, kecukupan modal terhadap profitabilitas lpd di kota denpasar. JURNAL KHARISMA, 3(1), 435–443.
Widyastuti, U., Dedi, P. E. S., & Zulaihati, S. (2017). Internal Determinants of Commercial Bank Profitability In Indonesia. Mediterranean Journal of Social Sciences, 8(3), 219–223. https://doi.org/10.5901/mjss.2017.v8n3p219
Yuliana, & Pertiwi, D. A. (2020). Pengaruh Tingkat Suku Bunga Kredit dan Jumlah Nasabah Terhadap Profitabilitas pada KBPR Bumi Arta Perbankan di Indonesia saat ini berkembang dan tumbuh dengan pesat sehingga menjadi salah satu sektor penting dalam petumbuhan ekonomi . Bankadal. Journal of Finance and Accounting Studies, 2(1), 11–29.
Zaidanin, J. S. Al, & Zaidanin, O. J. Al. (2021). The impact of credit risk management on the financial performance of United Arab Emirates commercial banks. International Journal of Research in Business and Social Science (2147- 4478), 10(3), 303–319. https://doi.org/10.20525/ijrbs.v10i3.1102
Alalade, Y. S. P. D., Ogbebor, P. I. P. D., & Akwe, M. P. S. (2020). Liquidity Risk and Profitability of Listed Deposit Money Banks in Nigeria. Research Journal of Finance and Accounting, 11(8), 126–139. https://doi.org/10.7176/rjfa/11-8-13
Alfin, N. A., & Hartono, U. (2018). Pengaruh Faktor Internal dan Makroekonomi Terhadap Risiko Kredit Pada Bank Periode 2012-2016. Jurnal Ilmu Manajemen (JIM), 6(3), 73–83. https://jurnalmahasiswa.unesa.ac.id/index.php/jim/article/view/23825
Alnajjar, A. Z. A., & Othman, A. H. A. (2021). The Impact of Capital Adequacy Ratio (CAR) on Islamic Banks’ Performance in Selected MENA Countries. International Journal of Business Ethics and Governance, 116–133. https://doi.org/10.51325/ijbeg.v4i2.70
Anggari, N. L. S., & Dana, I. M. (2020). The Effect of Capital Adequacy Ratio, Third Party Funds, Loan to Deposit Ratio, Bank Size on Profitability in Banking Companies on IDX. American Journal of Humanities and Social Sciences Research (AJHSSR), 4(12), 334–338.
Anggreni, N. K., & Rahyuda, H. (2021). Capital Adequacy Ratio, Net Interest Margin, and Loan to Deposit Ratio on Profitability of Microfinance Institution (Empirical Study at Kintamani, Bali, Indonesia). American Journal of Humanities and Social Sciences Research, 5(4), 567–571. www.ajhssr.com
Antari, D. A. D. (2018). Pengaruh Pertumbuhan Tabungan, Deposito, Kredit dan Pertumbuhan Nasabah Terhadap Profitabilitas pada Lembaga Perkreditan Desa (LPD) di Kecamatan Sukawati. Universitas Mahasaraswati Denpasar.
Ariani, M. W., & Ardiana, P. A. (2015). Pengaruh Kecukupan Modal, Tingkat Efisiensi, Risiko Kredit, dan Likuiditas Pada Profitabilitas LPD Kabupaten Badung. E-Jurnal Akuntansi Universitas Udayana. 13.1 (2015), 1(ISSN: 2302-8556), 30.
Budhathoki, Bahadur, P., Rai, Kumar, C., Lamichhane, Prasad, K., Bhattarai, Ganesh, Rai, & Arjun. (2020). The Impact of Liquidity, Leverage, and Total Size on Banks’ Profitability: Evidence from Nepalese Commercial Banks. Journal of Economics and Business, 3(2). https://doi.org/10.31014/aior.1992.03.02.219
Darmawan, K., & Suartana, I. W. (2018). Tingkat Kecukupan Modal, Pertumbuhan Kredit, dan Risiko Operasional Pada Profitabilitas Lembaga Perkreditan Desa. E-Jurnal Akuntansi, 25, 1156. https://doi.org/10.24843/eja.2018.v25.i02.p13
Das, N. M., & Rout, B. S. (2020). Banks’ capital adequacy ratio: a panacea or placebo. Decision, 47(3), 303–318. https://doi.org/10.1007/s40622-020-00255-5
Devi, ni putu dian lisna, Kempramareni, P., & Ernawatinigsih, ni putu lisa. (2019). Pengaruh modal, tingkat kredit yang disalurkan, pertumbuhan nasabah dan rasio bopo terhadap rentabilitas ekonomi. EJournal UNMAS, 1(1), 17–36.
Dharma, I. G. O. W., Yuesti, A., & Sudiartana, I. M. (2019). Pengaruh Perputaran Kas, Penyaluran Kredit, Pertumbuhan Tabungan, dan Kecukupan Modal Terhadap Profitabilitas LPD di Kota Denpasar Periode 2013-2016. Jurnal Sains, Akuntansi, Manajemen (JSAM), 1(3).
Djaya, N. K., & Yanuarti, I. (2021). The Influence of Capital Adequacy Ratio and Non-Performing Loan on Profitability of Commercial Banks Listed on The Indonesia Stock Exchange in 2017-2019. Business Excellence and Management, 11(4), 80–94.
Eklof, J., Podkorytova, O., & Malova, A. (2020). Linking customer satisfaction with financial performance: an empirical study of Scandinavian banks. Total Quality Management and Business Excellence, 31(15), 1684–1702. https://doi.org/10.1080/14783363.2018.1504621
Erlangga, O. P., & Mawardi, I. (2017). Pengaruh Total Aktiva, Capital Adequacy Ratio (CAR), Finance To Deposit Ratio (FDR) Dan Non Performing Financing (NPF) Terhadap Return On Assets (ROA) Bank Umum Syariah Di Indonesia Periode 2010-2014. Jurnal Ekonomi Syariah Teori Dan Terapan, 3(7), 561. https://doi.org/10.20473/vol3iss20167pp561-574
Fadikpe, A. A. A., Danquah, R., Aidoo, M., Chomen, D. A., Yankey, R., & Dongmei, X. (2021). Linkages between social and financial performance: Evidence from Sub-Saharan Africa microfinance institutions. PLoS ONE, 17(3 March), 1–24. https://doi.org/10.1371/journal.pone.0261326
Fadun, O. S., & Oye, D. (2020). Impacts of Operational Risk Management on Financial Performance: A Case of Commercial Banks in Nigeria. Fadun and Oye / International Journal of Finance & Banking Studies, 9(1), 2020. www.ssbfnet.com/ojshttps://doi.org/10.20525/ijfbs.v9i1.634
Hadian, N., & Phety, D. T. O. (2021). The Effect of Non-Performing Loan and Loan to Deposit Ratio on Return on Assets in The Banking Industry. Turkish Journal of Computer and Mathematics Education, 12(8), 791–798. https://doi.org/10.56457/jimk.v9i1.91
Hallunovi, A., & Berdo, M. (2018). The Relationship between Risk Management and Profitability of Commercial Banks in Albania. Asian Themes in Social Sciences Research, 1(2), 44–49. https://doi.org/10.33094/journal.139.2018.12.44.49
Hermuningsih, S. (2013). Pengaruh Profitabilitas, Growth Opportunity, Struktur Modal Terhadap Nilai PPerusahaan Pada Perusahaan Publik Di Indonesia. Buletin Ekonomi Moneter Dan Perbankan, 1–22. https://doi.org/10.1177/027046769801800106
Korri, N. T. L., & Baskara, I. G. K. (2019). Pengaruh Capital Adequacy Ratio, Non Performing Loan, Bopo, Dan Loan To Deposit Ratio Terhadap Profitabilitas. E-Jurnal Manajemen Universitas Udayana, 8(11), 6577. https://doi.org/10.24843/ejmunud.2019.v08.i11.p10
Kumar, V., Acharya, S., & Ho, L. T. H. (2020). Does monetary policy influence the profitability of banks in new zealand? International Journal of Financial Studies, 8(2), 1–17. https://doi.org/10.3390/ijfs8020035
Kusumastuti, W. I., & Alam, A. (2019). Analysis of Impact of Car , Bopo , Npf on Profitability of Islamic Banks. Journal of Islamic Economic Laws, 2(1), 30–59.
Mbona, R. M., & Yusheng, K. (2019). Financial statement analysis: Principal component analysis (PCA) approach case study on China telecoms industry. Asian Journal of Accounting Research, 4(2), 233–245. https://doi.org/10.1108/AJAR-05-2019-0037
Nuryanto, U. W., Salam, A. F., Sari, R. P., & Suleman, D. (2020). Pengaruh Rasio Kecukupan Modal, Likuiditas, Risiko Kredit dan Efisiensi Biaya Terhadap Profitabilitas Pada Bank Go Public. Jurnal Akuntansi Dan Keuangan, 7(1), 1–9. https://doi.org/10.52005/aktiva.v2i2.67
Octaviany, N. I., Ainol, & Nuntufa. (2022). Analisis Peran Manajemen Risiko Pembiayaan Murabahah dalam Meningkatkan Profitabilitas dan Jumlah Nasabah di BMT Maslahah Cabang Besuk Agung. Jurnal Pendidikan Dan Konseling, 4(4), 1349–1358.
Olalekan, L. I., Olumide, M. L., & Irom, I. M. (2018). Financial Risk Management and The Profitability: An Empirical Evidence From Commercial Banks in Nigeria. Sahel Analyst, 117–137.
Putri, I. G. A. N. K., & Mustanda, I. K. (2019). Pengaruh Kecukupan Modal, Likuiditas, Dan Non Performing Loan Terhadap Profitabilitas Pada Lpd Di Kota Denpasar. E-Jurnal Manajemen Universitas Udayana, 8(6), 3360. https://doi.org/10.24843/ejmunud.2019.v08.i06.p03
Rahmi, Y., & Sumirat, D. E. (2021). A Study of The Impact of ALMA to Profitability During The Covid-19 Pandemic. International Journal of Business Economics and Law, 24(3), 54–65. https://www.ijbel.com/wp-content/uploads/2021/04/IJBEL24-036.pdf
Riyadi, S. (2006). Banking Assets and Liability Management (Edisi Keti). Lembaga Penerbit Fakultas Ekonomi Universitas Udayana.
Sari, A. . P. A. M. P., & Suindari, N. M. (2020). Kesehatan Lpd, Jumlah Nasabah, Dan Suku Bunga Terhadap Profitabilitas Dengan Variabel Pemediasi Pertumbuhan Aset. Akurasi : Jurnal Studi Akuntansi Dan Keuangan, 3(2), 130–150. https://doi.org/10.29303/akurasi.v3i2.52
Sari, F. N., & Endri, E. (2019). Determinants of Return on Assets (ROA) On Conventional Banks Listed On Indonesian Stock Exchange (IDX) Period 2013-2017. IOSR - Journal of Business and Management, 21(4), 52–62. https://doi.org/10.9790/487X-2104025262
Shabani, H., Morina, F., & Misiri, V. (2019). The Effect of Capital Adequacy on Returns of Assets of Commercial Banks in Kosovo. European Journal of Sustainable Development, 8(2), 201. https://doi.org/10.14207/ejsd.2019.v8n2p201
Suputri, N. M. N., Novitasari, N. L. G., & Dewi, N. L. P. S. (2021). Pengaruh tingkat perputaran kas, tingkat perputaran kredit, biaya operasional pendapatan operasional (bopo), tingkat kecukupan modal, dan jumlah nasabah terhadap profitabilitas. Jurnal Kharisma, 3(1), 313–322.
Sutika, I. K., & Sujana, I. K. (2013). Analisis Faktor Kinerja Yang Mempengaruhi Profitabilitas Pada Lembaga Perkreditan Desa. E-Jurnal Akuntansi Universitas Udayana, 1, 68–84.
Uddin, M. K. (2022). Effect of Leverage, Operating Efficiency, Non-Performing Loan, and Capital Adequacy Ratio on Profitability of Commercial Banks in Bangladesh. European Journal of Business and Management Research, 7(3), 289–295. https://doi.org/10.24018/ejbmr.2022.7.3.1463
Wiagustini, N. L. P. (2014). Manajemen Keuangan (J. Atmaja (ed.)). Udayana University Press.
Wibawa, I. N. P., & Astika, I. B. P. (2019). Penilaian Tingkat Kesehatan Lembaga Perkreditan Desa Se-Kecamatan Denpasar Utara Tahun 2016-2017. Jurnal Akuntansi, 30(1), 490–503.
Widari, N. P. A., Sunarwijaya, I. K., & Apriada, I. K. (2021). Pengaruh risiko kredit, jumlah nasabah, bopo, kecukupan modal terhadap profitabilitas lpd di kota denpasar. JURNAL KHARISMA, 3(1), 435–443.
Widyastuti, U., Dedi, P. E. S., & Zulaihati, S. (2017). Internal Determinants of Commercial Bank Profitability In Indonesia. Mediterranean Journal of Social Sciences, 8(3), 219–223. https://doi.org/10.5901/mjss.2017.v8n3p219
Yuliana, & Pertiwi, D. A. (2020). Pengaruh Tingkat Suku Bunga Kredit dan Jumlah Nasabah Terhadap Profitabilitas pada KBPR Bumi Arta Perbankan di Indonesia saat ini berkembang dan tumbuh dengan pesat sehingga menjadi salah satu sektor penting dalam petumbuhan ekonomi . Bankadal. Journal of Finance and Accounting Studies, 2(1), 11–29.
Zaidanin, J. S. Al, & Zaidanin, O. J. Al. (2021). The impact of credit risk management on the financial performance of United Arab Emirates commercial banks. International Journal of Research in Business and Social Science (2147- 4478), 10(3), 303–319. https://doi.org/10.20525/ijrbs.v10i3.1102
Published
2023-08-30
How to Cite
PUSPANINGRUM, Ni Luh Putu Andra; DIANTINI, Ni Nyoman Ayu.
Kecukupan Modal, Loan to Deposit Ratio, Pertumbuhan Nasabah dan Profitabilitas.
E-Jurnal Akuntansi, [S.l.], v. 33, n. 8, p. 1986-1999, aug. 2023.
ISSN 2302-8556.
Available at: <https://ojs.unud.ac.id/index.php/akuntansi/article/view/103120>. Date accessed: 09 may 2024.
doi: https://doi.org/10.24843/EJA.2023.v33.i08.p02.
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