{"repository":{"name":"Ready \u2014 Repository Academic Digitech University","url":"https:\/\/www.repository.digitechuniversity.id","description":"Repository Academic Digitech University - Pusat penyimpanan digital dan pencarian publikasi ilmiah untuk civitas akademika Digitech University","institution":"Digitech University","country":"Indonesia","language":"id","contact":"publisher@digitechuniversity.id"},"documents":[{"id":1085,"title":"PENGARUH EFISIENSI OPERASIONAL DAN KREDIT BERMASALAH TERHADAP KINERJA KEUANGAN: BUKTI EMPIRIS DARI INDUSTRI PERBANKAN","slug":"pengaruh-efisiensi-operasional-dan-kredit-bermasalah-terhadap-kinerja-keuangan-bukti-empiris-dari-industri-perbankan-FwBRQn","url":"https:\/\/www.repository.digitechuniversity.id\/repository\/pengaruh-efisiensi-operasional-dan-kredit-bermasalah-terhadap-kinerja-keuangan-bukti-empiris-dari-industri-perbankan-FwBRQn","pdf_url":"https:\/\/www.repository.digitechuniversity.id\/documents\/1085\/download","abstract":"This study aims to examine and analyze the effect of operational efficiency, proxied by the Operating Expenses to Operating Income ratio (BOPO), and credit risk, proxied by the Non-Performing Loan (NPL) ratio, on banking financial performance measured by Return on Assets (ROA). The population in this study covers all conventional banking institutions listed on the Indonesia Stock Exchange (IDX). Using a purposive sampling method, samples were selected based on consistent financial reporting and consecutive publications during the observation period. The data analysis method employed is multiple linear regression analysis to test the variables both partially and simultaneously. The theoretical framework of this research is rooted in Stewardship Theory to explain the BOPO efficiency ratio, as well as Information Asymmetry Theory and Risk-Return Trade-Off Theory to explain the NPL credit risk variable. The partial results indicate that BOPO has a negative and significant effect on ROA, suggesting that high operational inefficiency decreases bank profitability. Similarly, NPL exhibits a negative and significant effect on ROA, signifying that an accumulation of non-performing loans forces banks to increase provision costs, which erodes net profit. Simultaneously, BOPO and NPL exert a significant effect on banking financial performance. These findings provide practical contributions for bank management in formulating integrated risk mitigation strategies in the era of financial digitalization to maintain profitability stability.","authors":["Enang Suherman","Ida Jalilah Fitria"],"affiliation":"Digitech University","category":"Jurnal Ilmiah (Ketik Manual \/ Lainnya)","journal_name":"JURNAL MANAJEMEN MODAL INSANI DAN BISNIS (JMMIB)","tags":["Financial performance","Return on  Assets (ROA).","BOPO","Non-Performing Loan (NPL)","Banking."],"published_at":"2026-08-06T04:45:06+00:00","doi":null,"downloads":0,"views":7},{"id":1084,"title":"MEMBANGUN WEBSITE CMS DENGAN LARAVEL & UI\/UX Panduan Lengkap Cara Membuat Website CMS PHP yang User-Friendly, Fleksibel, dan Multi-Platform","slug":"membangun-website-cms-dengan-laravel-uiux-panduan-lengkap-cara-membuat-website-cms-php-yang-user-friendly-fleksibel-dan-multi-platform-N9J5Gd","url":"https:\/\/www.repository.digitechuniversity.id\/repository\/membangun-website-cms-dengan-laravel-uiux-panduan-lengkap-cara-membuat-website-cms-php-yang-user-friendly-fleksibel-dan-multi-platform-N9J5Gd","pdf_url":"https:\/\/www.repository.digitechuniversity.id\/documents\/1084\/download","abstract":"Perkembangan pesat ekosistem digital menuntut adanya Sistem Manajemen Konten (Content Management System \/ CMS) yang tidak hanya tangguh secara fungsional, tetapi juga fleksibel, mudah distandarisasi, dan memiliki pengalaman pengguna (UI\/UX) yang intuitif. Buku dan dokumentasi teknis ini hadir sebagai panduan komprehensif bagi pengembang perangkat lunak\u2014mulai dari tingkat pemula hingga mahir\u2014dalam merancang dan membangun CMS modern berbasis PHP menggunakan framework Laravel yang modular dan skalabel.\r\n\r\nPembahasan dalam buku ini berfokus pada dua pilar utama pengembangan web modern: arsitektur sistem yang berorientasi masa depan dan desain antarmuka yang berpusat pada pengguna (user-centered design). Pada aspek backend, panduan ini mengupas tuntas penerapan API-First Architecture (Headless CMS) yang memungkinkan inti sistem manajemen konten tidak hanya melayani situs web monolitik, melainkan siap dikembangkan dan diintegrasikan secara mulus ke berbagai platform lain, seperti aplikasi mobile (Android\/iOS), aplikasi desktop, hingga sistem IoT.\r\n\r\nPada aspek frontend dan UI\/UX, pembaca dibimbing untuk memahami dan menerapkan prinsip desain yang ergonomis, aksesibel, dan responsif. Penggunaan CSS modern dengan pendekatan utility-first (seperti Tailwind CSS) dipaparkan secara praktis mulai dari perancangan tata letak (layout) dasbor admin, struktur navigasi, hingga manajemen tabel data yang interaktif.\r\n\r\nMelalui perpaduan teori arsitektur perangkat lunak, standar clean code, dan studi kasus implementasi nyata, karya ini diharapkan dapat menjadi referensi utama dalam menciptakan produk CMS yang efisien, mudah dirawat (maintainable), nyaman digunakan (user-friendly), dan siap ditingkatkan skalanya ke level enterprise.","authors":["Dhafa Nazula Permadi, MTCNA. CADE. CSA. CEH."],"affiliation":"Informatika, Teknologi Informasi, Edukasi, Digitech University","category":"Buku","journal_name":null,"tags":["PHP","Laravel","CMS","UI\/UX Design","API-First Architecture","Headless CMS","Tailwind CSS","Pengembangan Web."],"published_at":"2026-08-06T01:38:30+00:00","doi":null,"downloads":0,"views":20}],"metadata":{"total_documents":2,"last_updated":"2026-08-07T01:34:32+00:00","sitemap_url":"https:\/\/www.repository.digitechuniversity.id\/sitemap.xml"}}