scholarly journals PROSPEK GAGAL SUKSES PINJAMAN UMKM MELALUI PEER-TO-PEER LENDING PADA LENDINGCLUB

2019 ◽  
Vol 24 (1) ◽  
pp. 21
Author(s):  
Wibi Andriansyah ◽  
Agung Winarno
Keyword(s):  
Logistic Regression ◽  
Regression Analysis ◽  
Logistic Regression Analysis ◽  
Financial Services ◽  
Peer To Peer ◽  
Income Ratio ◽  
Negative Effect ◽  
Peer Lending ◽  
Lending Activity ◽  
Revolving Credit

Peer-to-peer lending as an innovation of financial services is a genuine opportunity for SMEs who are experiencing difficulties in accessing loans to formal financial institutions. The asymmetric information issue on peer-to-peer lending activity can lead to a credit risk that may cause a default loan. This research is a kind of associative research with the form of causal relationship. the purpose of this study is to determine the factors that influence the success of SMEs loans on Peer to peer lending activities. Samples obtained from the LendingClub platform using purposive sampling method. Analysis In this study using logistic regression analysis. Based on logistic regression analysis, it is found that loan amount, loan term, debt-to- income ratio, delinquency in last 2 year, inquiries in the last 6 month, and revolving credit utilization have a significant negative effect on the success of the loan. while annual income is not significant effect on the success of the loan.

scholarly journals Peer-to-Peer Lending Syariah dan Dampaknya terhadap Kinerja serta Kesejahteraan Pelaku Usaha Mikro dan Kecil (UMK) pada Masa Pandemi Covid-19

Al-Muzara ah ◽  
2021 ◽  
Vol 9 (1) ◽  
pp. 109-127
Author(s):  
Aphylla Planifolia Harp ◽  
Resfa Fitri ◽  
Yekti Mahanani
Keyword(s):  
Logistic Regression ◽  
Regression Analysis ◽  
Logistic Regression Analysis ◽  
Family Income ◽  
Peer To Peer ◽  
T Test ◽  
Before And After ◽  
P2p Lending ◽  
Asset Growth ◽  
Paired T Test

Peer-to-Peer (P2P) lending is one of the mechanisms to overcome capital problems for the MSE sector, especially during the Covid-19 pandemic. P2P lending has the highest asset growth compared to other financial technology (fintech) schemes and mostly preferred by the majority of population. As a country with a majority Muslim population, people prefer to use sharia P2P lending, but its role has not been widely documented in the literature. MSEs are business enterprises that contribute greatly to the national gross domestic product (GDP) and absorb the most labor. This study aims to analyze the effect of sharia (P2P) lending on the performance and welfare of MSEs during the Covid-19 pandemic. The method of analysis consists of paired t-test, OLS and logistic regression analysis. Paired t-test results show that there are differences in turnover, profits, operating costs, and the number of MSE workers before and after receiving financing. OLS analysis shows that the amount of financing, business costs, labor, and length of business affect changes in MSE turnover. The results of the logistic regression analysis show that the average family income and the amount of savings significantly affect the welfare of MSE actors.

scholarly journals The effect of loan granted factor on peer-to-peer lending (funded loan) in Indonesia

2020 ◽  
Vol 17 (4) ◽  
pp. 165-174
Author(s):  
Fajri Kurniawan ◽  
Chandra Wijaya
Keyword(s):  
Logistic Regression ◽  
Interest Rate ◽  
Financial Services ◽  
Binary Logistic Regression ◽  
Peer To Peer ◽  
Funding Decision ◽  
Significance Level ◽  
Peer Lending ◽  
And Gender ◽  
Loan Amount

This study aims to determine whether the loan granted factor can affect peer-to-peer lending in Indonesia. The factors investigated in this research are the loan amount, loan period, interest rate, gender, and loan history using the data from registered and licensed peer-to-peer lending by the Financial Services Authority or Otoritas Jasa Keuangan (OJK) on November 2019. By examining 1,006 loans, the analytical method used is binary logistic regression with a significance level of alpha 0.05. The results of this research are loan amount, loan period, and loan history have the strongest impact on borrowers’ loan funding decision, suggesting that these loan characteristics can signal information that standard measures are used for loan funding. However, interest rate and gender have no significant effect on loan granted. Overall, loan funding decisions are based on proper and relevant signals given by loan characteristics.

scholarly journals STRATEGI PENANGGULANGAN KEMISKINAN DI KOTA JAKARTA TIMUR

2019 ◽  
Vol 9 (1) ◽  
Author(s):  
Sarjono Sarjono ◽  
Sri Hartoyo ◽  
Dedi Budiman Hakim
Keyword(s):  
Logistic Regression ◽  
Regression Analysis ◽  
Logistic Regression Analysis ◽  
Complex Problem ◽  
Poor Household ◽  
Factors Affecting ◽  
Negative Effect ◽  
Household Members ◽  
The Government ◽  
Cycle Of Poverty

ABSTRACTPoverty is one of a complex problem that remains unresolved in the state of Indonesia. The government of East Jakarta Municipallity has taken much effort to break the cycle of poverty, but the rate of poverty in East Jakarta City is still fluctuating. This study aimed to analyze the factors affecting the chances of poor household growt. Based on Logistic Regression Analysis demonstrated that gender and a number of household members positively have a significant effect on the chance of poor household development, while the number of productive members in household have a negative effect. Keywords : Logistic Regression, PovertyABSTRAKKemiskinan merupakan salah satu masalah yang kompleks yang belum terpecahkan di Indonesia. Pemerintah Kota Jakarta Timur telah melakukan berbagai upaya untuk mengatasi masalah kemiskinan, namun angka kemiskinan di Kota Jakarta Timur masih fluktuatif. Tujuan dari penelitian ini adalah untuk menganalisis faktor-faktor yang menyebabkan terjadinya rumah tangga miskin. Hasil Analisis Regresi Logistik menunjukan bahwa gender dan besaran anggota rumah tangga berpengaruh positif dan signifikan terhadap kejadian rumah tangga miskin sedangkan proporsi anggota rumah tangga yang bekerja, berpengaruh negatif dan signifikan terhadap kejadian rumah tangga miskin. Kata kunci: Kemiskinan, Regresi Logistik

scholarly journals The ability of organization commitment and moderate worked motivation by the effect of budget goal clarity in budgetary inaccuracy

2019 ◽  
Vol 6 (3) ◽  
pp. 11-17 ◽  
Author(s):  
I Gusti Ayu Dewi Indira Sari ◽  
A.A.N.B. Dwirandra
Keyword(s):  
Logistic Regression ◽  
Regression Analysis ◽  
Organizational Commitment ◽  
Test Data ◽  
Logistic Regression Analysis ◽  
Sampling Method ◽  
Binary Logistic Regression ◽  
Binary Logistic Regression Analysis ◽  
Goal Clarity ◽  
Negative Effect

In term of designing activity and budgeting for organization, the goal of this research is to explore and understand the effects of budget goal clarity on the inaccuracy of budgeting that moderate by organizational commitment and worker motivation. Population of research is all department under the postgraduate program of Udayana University. Samples are choosing by total sampling method and data that collected should meet with pre-request of assumption test.  Data were analyzed by Binary Logistic Regression Analysis. The result of this research showed that: (1) budget goal clarity is negative significant effect the budgeting unaccuracy; (2) organizational commitment are increased the negative effect of budgeting goals on  budget unaccuracy; (3) worked motivation increased the negative effect of the clarity of budgeting on budgeting unaccuracy.

ANALISIS HUBUNGAN SARANA, PENGETAHUAN, DAN SIKAP BIDAN PRAKTIK MANDIRI DENGAN KEPATUHAN MENJALANKAN STANDAR PELAYANAN ANTENATAL CARE DI KOTA PADANGSIDIMPUAN

2019 ◽  
Vol 2 (1) ◽  
pp. 27-33
Author(s):  
Megawati Sinambela ◽  
Evi Erianty Hasibuan
Keyword(s):  
Logistic Regression ◽  
Regression Analysis ◽  
Antenatal Care ◽  
Pregnant Women ◽  
Logistic Regression Analysis ◽  
Care Service ◽  
Multivariate Logistic Regression Analysis ◽  
Bivariate Analysis ◽  
Cross Sectional ◽  
The North

Antenatal care is a service provided to pregnant women to monitor, support maternal health and detect mothers whether normal or problematic pregnant women. According to the WHO, globally more than 70% of maternal deaths are caused by complications of pregnancy and childbirth such as hemorrhage, hypertension, sepsis, and abortion. Based on data obtained from the profile of the North Sumatra provincial health office in 2017, in the city of Padangsidimpuan in 2017 the coverage of ANC visits reached (76.58%) and had not reached the target in accordance with the 2017 Provincial Health Office strategy plan (95%). This type of research was an observational analytic study with a cross sectional design. The population in this study were independent practice midwives who were in the Padangsidimpuan, the sample in this study amounted to 102 respondents. The technique of collecting data used questionnaires and data analysis used univariate, bivariate and multivariate analysis with logistic regression analysis. Based on bivariate analysis showed that there was a relationship between facilities, knowledge and attitudes of independent midwives with compliance with the standards of antenatal care services with a value of p <0.05. The results of the study with multivariate logistic regression analysis showed that the factors associated with the compliance of independent midwives in carrying out antenatal care service standards were attitudes with values (p = 0.026).

scholarly journals Efficacy of flurbiprofen axetil for preventing postanesthetic shivering in patients undergoing gynecologic laparotomy surgeries

2020 ◽  
Vol 6 (1) ◽  
Author(s):  
Atsushi Kotera
Keyword(s):  
Logistic Regression ◽  
Regression Analysis ◽  
Postoperative Pain ◽  
Logistic Regression Analysis ◽  
Pain Control ◽  
Multivariate Logistic Regression Analysis ◽  
Multivariate Logistic Regression ◽  
Postoperative Pain Control ◽  
Flurbiprofen Axetil ◽  
Postanesthetic Shivering

Abstract Background Postanesthetic shivering is an unpleasant adverse event in surgical patients. A nonsteroidal anti-inflammatory drug has been reported to be useful in preventing postanesthetic shivering in several previous studies. The aim of this study was to evaluate the efficacy of flurbiprofen axetil being a prodrug of a nonsteroidal anti-inflammatory drug for preventing postanesthetic shivering in patients undergoing gynecologic laparotomy surgeries. Method This study is a retrospective observational study. I collected data from patients undergoing gynecologic laparotomy surgeries performed between October 1, 2019, and September 30, 2020, at Kumamoto City Hospital. All the patients were managed with general anesthesia with or without epidural analgesia. The administration of intravenous 50 mg flurbiprofen axetil for postoperative pain control at the end of the surgery was left to the individual anesthesiologist. The patients were divided into two groups: those who had received intravenous flurbiprofen axetil (flurbiprofen group) and those who had not received intravenous flurbiprofen axetil (non-flurbiprofen group), and I compared the frequency of postanesthetic shivering between the two groups. Additionally, the factors presumably associated with postanesthetic shivering were collected from the medical charts. Intergroup differences were assessed with the χ2 test with Yates’ correlation for continuity category variables. The Student’s t test was used to test for differences in continuous variables. Furthermore, a multivariate logistic regression analysis was performed to elucidate the relationship between the administration of flurbiprofen axetil and the incidence of PAS. Results I retrospectively examined the cases of 141 patients aged 49 ± 13 (range 21-84) years old. The overall postanesthetic shivering rate was 21.3% (30 of the 141 patients). The frequency of postanesthetic shivering in the flurbiprofen group (n = 31) was 6.5%, which was significantly lower than that in the non-flurbiprofen group (n = 110), 25.5% (p value = 0.022). A multivariate logistic regression analysis showed that administration of flurbiprofen axetil was independently associated with a reduced incidence of postanesthetic shivering (odds ratio 0.12; 95% confidence interval, 0.02-0.66, p value = 0.015). Conclusions My result suggests that intraoperative 50 mg flurbiprofen axetil administration for postoperative pain control is useful to prevent postanesthetic shivering in patients undergoing gynecologic laparotomy surgeries.

scholarly journals Prior Admissions as a Risk Factor for Readmission in Patients Surgically Treated for Femur Fractures: Implications for a Potential Hip Fracture Bundle

2021 ◽  
Vol 12 ◽  
pp. 215145932199616
Author(s):  
Robert Erlichman ◽  
Nicholas Kolodychuk ◽  
Joseph N. Gabra ◽  
Harshitha Dudipala ◽  
Brook Maxhimer ◽  
...  
Keyword(s):  
Logistic Regression ◽  
Regression Analysis ◽  
Hip Fracture ◽  
Logistic Regression Analysis ◽  
Hip Fractures ◽  
Surgical Procedure ◽  
Hospital Admissions ◽  
Fracture Care ◽  
Increased Risk ◽  
Payment Models

Introduction: Hip fractures are a significant economic burden to our healthcare system. As there have been efforts made to create an alternative payment model for hip fracture care, it will be imperative to risk-stratify reimbursement for these medically comorbid patients. We hypothesized that patients readmitted to the hospital within 90 days would be more likely to have a recent previous hospital admission, prior to their injury. Patients with a recent prior admission could therefore be considered higher risk for readmission and increased cost. Methods: A retrospective chart review identified 598 patients who underwent surgical fixation of a hip or femur fracture. Data on readmissions within 90 days of surgical procedure and previous admissions in the year prior to injury resulting in surgical procedure were collected. Logistic regression analysis was used to determine if recent prior admission had increased risk of 90-day readmission. A subgroup analysis of geriatric hip fractures and of readmitted patients were also performed. Results: Having a prior admission within one year was significantly associated (p < 0.0001) for 90-day readmission. Specifically, logistic regression analysis revealed that a prior admission was significantly associated with 90-day readmission with an odds ratio of 7.2 (95% CI: 4.8-10.9). Discussion: This patient population has a high rate of prior hospital admissions, and these prior admissions were predictive of 90-day readmission. Alternative payment models that include penalties for readmissions or fail to apply robust risk stratification may unjustly penalize hospital systems which care for more medically complex patients. Conclusions: Hip fracture patients with a recent prior admission to the hospital are at an increased risk for 90-day readmission. This information should be considered as alternative payment models are developed for hip fracture care.

scholarly journals Study on the relationship of depression, anxiety, lifestyle and eating habits with the severity of reflux esophagitis

2021 ◽  
Vol 21 (1) ◽  
Author(s):  
Rongxin Wang ◽  
Jing Wang ◽  
Shuiqing Hu
Keyword(s):  
Quality Of Life ◽  
Logistic Regression ◽  
Regression Analysis ◽  
Logistic Regression Analysis ◽  
Reflux Esophagitis ◽  
Eating Habits ◽  
Positive Correlation ◽  
Relationship Of ◽  
The Relationship

Abstract Background The etiology of reflux esophagitis (RE) is multi-factorial. This study analyzed the relationship of depression, anxiety, lifestyle and eating habits with RE and its severity and further explored the impact of anxiety and depression on patients’ symptoms and quality of life. Methods From September 2016 to February 2018, a total of 689 subjects at Xuanwu Hospital Capital Medical University participated in this survey. They were divided into the RE group (patients diagnosed with RE on gastroscopy, n = 361) and the control group (healthy individuals without heartburn, regurgitation and other gastrointestinal symptoms, n = 328). The survey included general demographic information, lifestyle habits, eating habits, comorbidities, current medications, the gastroesophageal reflux disease (GERD) questionnaire (GerdQ), the Patient Health Questionnaire-9 depression scale and the General Anxiety Disorder-7 anxiety scale. Results The mean age and sex ratio of the two groups were similar. Multivariate logistic regression analysis identified the following factors as related to the onset of RE (p < 0.05): low education level; drinking strong tea; preferences for sweets, noodles and acidic foods; sleeping on a low pillow; overeating; a short interval between dinner and sleep; anxiety; depression; constipation; history of hypertension; and use of oral calcium channel blockers. Ordinal logistic regression analysis revealed a positive correlation between sleeping on a low pillow and RE severity (p = 0.025). Depression had a positive correlation with the severity of symptoms (rs = 0.375, p < 0.001) and patients’ quality of life (rs = 0.306, p < 0.001), whereas anxiety showed no such association. Conclusions Many lifestyle factors and eating habits were correlated with the onset of RE. Notably, sleeping on a low pillow was positively correlated with RE severity, and depression was positively related to the severity of symptoms and patients’ quality of life.

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