FAKTOR-FAKTOR YANG MEMPENGARUHI EFEKTIVITAS DANA DESA

2018 ◽  
Vol 9 (1) ◽  
pp. 55-66
Author(s):  
Chenny Seftarita ◽  
Fakhruddin Fakhruddin ◽  
Litbang Bappeda
Keyword(s):  
Cross Section ◽  
Random Sampling ◽  
Economic Benefits ◽  
Least Square ◽  
Capital Adequacy ◽  
Cross Section Data ◽  
Ordinary Least Square ◽  
Section Data ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio

Penelitian ini bertujuan mengetahui faktor-faktor yang memengaruhi efektivitas dana desa. Data dalam penelitian ini merupakan data cross section (data satu waktu) tahun 2017. Penelitian ini menggunakan data primer dan sekunder dengan metode pengambilan sampelnya dengan area sampling dan stratified random sampling. Peralatan analisis yang digunakan adalah ordinary least square. Berdasarkan hasil penelitian yang dilakukan, pertama persepsi aparat gampong menunjukkan badan usaha milik desa dan manfaat ekonomi lainnya, manfaat dana desa, sisa lebih perhitungan anggaran dan strategi berpengaruh positif dan signifikan terhadap efektivitas dana desa sedangkan tata kelola tidak memiliki pengaruh terhadap efektivitas dana desa. Kedua, persepsi masyarakat menunjukkan badan usaha milik desa dan manfaat ekonomi lainnya, manfaat dana desa, sisa lebih perhitungan anggaran dan strategi tidak berpengaruh terhadap efektivitas dana desa sedangkan tata kelola memiliki pengaruh dan signifikan terhadap efektivitas dana desa.AbstractThis study aims to determine the factors that influence the effectiveness of village funds. The data in this study are cross section data (one time data) in 2017. This study uses primary and secondary data with the sampling method with the sampling area and stratified random sampling. The analytical tool used is ordinary least square. Based on the results of the research conducted, the first perception of village officials showed village-owned enterprises and other economic benefits, benefits of village funds, the remaining more budget and strategy calculations had a positive and significant effect on the effectiveness of village funds while governance had no influence on the effectiveness of village funds. Second, community perceptions show village-owned enterprises and other economic benefits, benefits of village funds, the remaining more budget calculations and strategies have no effect on the effectiveness of village funds while governance has an influence and significance on the effectiveness of village funds. Keywords: capital adequacy ratio, net interest margin, profitabilityKey words: capital adequacy ratio, net interest margin, profitability.

scholarly journals Dampak Pendidikan Terhadap Produktivitas dan Upah: Bukti Empiris Pasar Monopsoni di Industri Manufaktur Indonesia

2019 ◽  
Vol 12 (2) ◽  
pp. 50
Author(s):  
Nurachma Indrati Sukirno ◽  
Arie Damayanti
Keyword(s):  
Human Capital ◽  
Cross Section ◽  
Least Square ◽  
Cross Section Data ◽  
Pay Gap ◽  
Ordinary Least Square ◽  
Section Data ◽  
Rent Sharing

Teori Human Capital mengatakan bahwa tenaga kerja yang berpendidikan lebih tinggi akan mendapatkan upah yang lebih besar karena mereka memiliki produktivitas yang lebih tinggi. Namun bukti empiris menunjukkan peningkatan produktivitas tidak selalu diikuti oleh peningkatan upah. Hal tersebut menggambarkan adanya degree of monopsony yang dimiliki perusahaan kepada tenaga kerjanya. Penelitian ini meneliti adanya degree of monopsony yang berbeda antar sektor dengan cara melihat hubungan antara komposisi tenaga kerja berdasarkan level pendidikan terhadap productivity-pay gap/rent sharing yang didapatkan oleh industri manufaktur Indonesia pada kurun waktu 1996 dan 2006. Pengukuran rent sharing yaitu selisih antara produktivitas tenaga kerja dengan rata-rata pengeluaran upah tenaga kerja yang dibayarkan oleh perusahaan. Penelitian ini menggunakan pooled cross section data yang dikontrol dengan dummy tahun, dan diestimasi menggunakan metode Ordinary Least Square (OLS). Hasilnya menunjukkan bahwa sebagian sektor industri manufaktur memiliki degree of monopsony terhadap tenaga kerja yang berpendidikan menengah dan tinggi, ditunjukkan dengan rent sharing positif yang didapatkan perusahaan jika menggantikan tenaga kerja yang berpendidikan rendah dengan tenaga kerja yang berpendidikan menengah dan tinggi. Semakin tinggi level teknologi produksi suatu sektor maka semakin besar degree of monopsony sektor tersebut terhadap tenaga kerja yang berpendidikan tinggi. 

scholarly journals Impact of Liquidity, Ownership, Global Financial Crisis, and Capital Adequacy Ratio on Indonesian Banking Profitability Period 2007-2016

The Winners ◽  
2020 ◽  
Vol 21 (1) ◽  
pp. 43
Author(s):  
Agustinus Winoto ◽  
Yosman Bustaman
Keyword(s):  
Financial Crisis ◽  
Global Financial Crisis ◽  
Control Variable ◽  
Least Square Method ◽  
Least Square ◽  
Capital Adequacy ◽  
Ordinary Least Square ◽  
Dummy Variable ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio

The purpose of the research was to analyse the effect of liquidity, ownership, and global financial crisis on Indonesian Banking profitability. The research focused on conventional bank exclude sharia-bank and rural bank/BPR, owned by foreign-party, local-party or mixed-party, period 2007 to 2016. Data were retrieved from Indonesia Bank regulator which is Otoritas Jasa Keuangan’s website. For liquidity, liquidity ratio, loan to funding ratio, and cash ratio were used. Meanwhile ownership and global financial crisis used dummy variable. The research divided bank to foreign and mixed party, and local bank in the years of crisis that were 2008 and 2009. Ordinary Least Square method were used with Net Interest Margin as dependent variable, a control variable, and capital adequacy ratio. The result finds that there is no significant connection between liquidity and ownership on profitability, while crisis has significant connection on profitability. 

scholarly journals ANALISIS PENGARUH CAR, NPL, NIM, BOPO, LDR TERHADAP ROA (Studi Pada Bank Pembangunan Daerah Di Indonesia Periode 2015-2018)

2020 ◽  
Vol 4 (1) ◽  
Author(s):  
Adhista Setyarini
Keyword(s):  
Linear Regression ◽  
Significant Influence ◽  
Least Square ◽  
Capital Adequacy ◽  
Ordinary Least Square ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Multi Linear Regression ◽  
Level Of Significance ◽  
Interest Margin

This research is performed on order to test the influence of the variable Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Net Interest Margin (NIM), Biaya Operasional/Pendapatan Operasional (BOPO), Loan to Deposit Ratio (LDR) toward Return On Asset (ROA).Methodology research as the sample used purposive sampling, sample was accrued 26 Bank Pembangunan Daerah in Indonesia. Data analysis with multi linear regression of ordinary least square and hypotheses test used t-statistic and F-statistic at level of significance 5%, a classic assumption examination which consist of data normality test, multicolinearity test, hetersoskedasticity test and autocorrelation test is also being done to test the hypotheses.During research period show as variabel and data research was normal distributed. Based on test, multicolinearity test, hetersoskedasticity test and autocorrelation test classic assumption deviation has no founded, this indicate that the available data has fulfill the condition to use multi linear regression model. This result of research show that variable NPL did not influence ROA. Variable CAR, NIM, and LDR positive significant influence toward ROA. Variable BOPO negative significant influence toward ROA. Prediction capability from these five variable toward ROA is 63,6% where the balance 36,4% is affected to other factor which was not to be entered to research model.Key Words : Return On Asset (ROA), Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Net Interest Margin (NIM), Biaya Operasional/Pendapatan Operasional (BOPO), Loan to Deposit Ratio (LDR).

scholarly journals ANALISIS PENGARUH RASIO-RASIO KEUANGAN PERBANKAN TERHADAP KINERJA PERBANKAN

2018 ◽  
Vol 6 (4) ◽  
pp. 76
Author(s):  
Agus Agus
Keyword(s):  
Time Series ◽  
Cross Section ◽  
Random Sampling ◽  
Capital Adequacy ◽  
Stratified Random Sampling ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Interest Margin

ABSTRAKTujuan dari penelitian ini adalah untuk mengetahui pengaruh Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Biaya Operasional Pendapatan Operasional (BOPO) , Net Interest Magin (NIM) dan Loan to Deposit Ratio (LDR) terhadap Return On Asset (ROA) baik secara parsial maupun simultan pada perbankan yang telah go public pada periode 2012 – 2016 dan selalu memperoleh laba pada 5 tahun terakhir tersebut. Metode penelitian yang digunakan adalah proportionate stratified random sampling, dengan sampel sebanyak 25 bank dan data diperoleh dari Bank Indonesia dan Otoritas Jasa Keuangan. Teknik analisa yang digunakan adalah analisa regresi linear berganda dengan menggunakan perangkat lunak Eviews 7.0 untuk analisa regresi dan uji hipopenelitian , karena data yang digunakan adalah data panel , yaitu data yang mengkombinasikan data time series dan cross section. Hasil penelitian menunjukkan bahwa Capital Adequacy Ratio (CAR) tidak berpengaruh terhadap Return On Asset (ROA). Non Performing Loan (NPL) berpengaruh negatif dan signifikan terhadap Return On Asset (ROA)sebesar 26,37% dan sisanya 73,63% dipengaruhi faktor lain. Biaya Operasional Pendapatan Operasional (BOPO) berpengaruh negatif dan signifikan terhadap Return On Asset (ROA) sebesar 81,98% dan sisanya 18,02% dipengaruhi oleh faktor lain. Net Interest Margin (NIM) berpengaruh positif dan signifikan terhadap Return On Asset (ROA) sebesar 49,86% dan sisanya sebesar 50,14% dipengaruhi faktor lain. Loan to Deposit Ratio (LDR) tidak berpangaruh terhadap Return On Asset (ROA). Nilai F hitung lebih besar dari F tabel yaitu 163,49 > 2,29 dengan nilai signifikan 0,000 < 0,05, maka h0 ditolak dan h1 diterima. Hal ini menunjukkan bahwa variabel Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Biaya Operasional Pendapatan Operasional (BOPO) , Net Interest Magin (NIM) dan Loan to Deposit Ratio (LDR) secara bersama-sama berpengaruh signifikan terhadap Retur On Asset (ROA). Sedangkan persamaan regresi berganda adalah Y = 8,0603 - 0,0055 X1 – 0,0661 X2 – 0,0817 X3 + 0,2365 X4 – 0,0053 X5Kata Kunci : Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Biaya Operasional Pendapatan Operasional (BOPO) , Net Interest Magin (NIM), Loan to Deposit Ratio (LDR) dan Return On Asset (ROA)

scholarly journals PENGARUH NET INTEREST MARGIN (NIM), BEBAN OPERASIONAL PENDAPATAN OPERASIONAL (BOPO), CAPITAL ADEQUACY RATIO (CAR), DAN NON PERFORMING LOAN (NPL) TERHADAP PROFITABILITAS PERUSAHAAN PERBANKAN BURSA EFEK DI NEGARA INDONESIA, MALAYSIA, DAN THAILAND

2017 ◽  
Vol 29 (1) ◽  
pp. 9-19
Author(s):  
Juhasdi Susono
Keyword(s):  
Time Series ◽  
Cross Section ◽  
Operating Cost ◽  
Capital Adequacy ◽  
Series Data ◽  
Independent Variables ◽  
Pooled Data ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Interest Margin

This study aims to determine the effect of Net Interest Margin (NIM), Operational Income Operating Cost (BOPO), Capital Adequacy Ratio (CAR), and Non-Performing Loan (NPL) on banking stock exchange company profitability in Indonesia, Malaysia and Thailand. This research was a quantitative, aimed to work out a systematically explain on the facts and properties of object in the research then merger was done between related variables in it with the presentation of secondary data from the financial statements of banking companies in Indonesia, Malaysia and Thailand. The population used in this study was banking company listed in Indonesia, Malaysia and Thailand stock exchanges in the period of 2010 to 2016. The sample used in this study as many as 24 banking companies in Indonesia, Malaysia and Thailand using purpose sampling method to obtain a representative sample that matches the criteria that have been made. In this study, data analysis method used was panel data (pooled data) which is a combination of time-series data and data between individuals or space (cross section) in banking companies in Indonesia, Malaysia and Thailand. Research Results for banking companies in Indonesia gained value of R square model of 0.222 percent, means that the variation of the profit that can be explained by the independent variables in the analysis of NIM, BOPO, CAR and NPL of 22.20 percent of the remaining 78.80 percent explained by other factors not studied here. Next, In Malaysia R value of this model square of 0.335 percent means that the variation of the profit that can be explained by the independent variables in the analysis of NIM, BOPO, CAR and NPL of 33.50 percent on the remaining 66.50 percent explained by other factors not included in the study this. While in Thailand, R square value of this model was 0.266 percent means that the variation of the profit that can be explained by the independent variables in the analysis of NIM, BOPO, CAR and NPL of 26.60 percent of 73.40 percent was explained by other factors not discussed in this study.   Abstrak   Penelitian ini bertujuan untuk untuk mengetahui pengaruh Net Interest Margin (NIM), Biaya Operasional Pendapatan Operasional (BOPO), Capital Adequacy Ratio (CAR), dan Non Performing Loan (NPL) terhadap pofitabilitas perbankan di negara indonesia, malaysia, dan thailand. Penelitian ini merupakan penelitian kuantitatif yang tujuanya untuk mengerjakan suatu yang di jelaskan secara sistematis tentang fakta-fakta serta sifat dalam suatu objek dalam penelitian kemudian melakukan penggabungan antar variabel yang terkait di dalamnya dengan penyajian data sekunder dari laporan keuangan dari perusahaan perbankan di negara indonesia, malaysia dan thailand. Populasi yang di gunakan pada penelitian ini adalah perusahaan perbankan yang terdaftar di bursa efek indonesia, malaysia dan thailand dalam kurun waktu 2010 sampai 2016. Sampel yang di gunakan dalam penelitian ini sebanyak 24 perusahaan perbankan di negara indonesia, malaysia, dan thailand dengan menggunakan metode purpose sampling tujuanya untuk memperoleh sampel representatif yang sesuai kriteria yang sudah di pastikan. Pada penelitian ini, metode analisa data yang digunakan adalah data panel (pooled data) yang merupakan gabungan dari data antar waktu (time series) dan data antar individu atau ruang (cross section) di perusahaan perbankan di negara indonesia, malaysia dan thailand. Hasil Penelitian untuk perusahaan perbankan di negara indonesia Nilai R square model ini sebesar 0,222 persen artinya bahwa variasi dari profit yang dapat dijelaskan oleh variabel bebas yang di analisis yaitu NIM, BOPO, CAR dan NPL sebesar 22.20 persen sisanya sebesar 78.80 persen dijelaskan oleh faktor lain yang tidak dimasukkan dalam penelitian ini. Selanjutnya Di negara malaysia Nilai R square model ini sebesar 0,335 persen artinya bahwa variasi dari profit yang dapat dijelaskan oleh variabel bebas yang di analisis yaitu NIM, BOPO, CAR dan NPL sebesar 33.50 persen sisanya sebesar 66.50 persen dijelaskan oleh faktor lain yang tidak dimasukkan dalam penelitian ini. Sedangkan di negara thailand. Nilai R square model ini sebesar 0,266 persen artinya bahwa variasi dari profit yang dapat dijelaskan oleh variabel bebas yang di analisis yaitu NIM, BOPO, CAR dan NPL sebesar 26.60 persen sisanya sebesar 73.40 persen dijelaskan oleh faktor lain yang tidak dimasukkan dalam penelitian ini.

scholarly journals ANALYSIS OF MONETARY FACTORS ON THE INCOME OF COASTAL FISHERMAN’S IN THE COVID-19 WEST ACEH REGENCY

2021 ◽  
Vol 2 (3) ◽  
pp. 37-50
Author(s):  
Leli Putri Ansari ◽  
Ivon Jalil ◽  
Yasrizal Yasrizal
Keyword(s):  
Quantitative Research ◽  
Price Index ◽  
Consumer Price Index ◽  
Least Square ◽  
Operational Cost ◽  
Cross Section Data ◽  
Price Inflation ◽  
Ordinary Least Square ◽  
Section Data ◽  
Aceh Province

This research aimed to analyze fisherman’s income according to monetary factors during covid-19 pandemic in coastal areas of West Aceh Regency in Aceh Province, Indonesia. This research applied cross-section data over 2021 by utilizing descriptive quantitative research and OLS model analysis (Ordinary Least Square). Research revealed monetary factors in term of the inflation of groceries price had negative influenced to the fisherman income at West Aceh Regency, mean while the variable of diesel price had positive influenced to fisherman income. During covid-19 pandemic, there was the increasing of groceries price (inflation) at 1,06 times or the consumer price index (CPI) of groceries price at 106 percent but the price of diesel was still same as before covid-19 pandemic because fisherman used subsidized fuel at Rp 5.150/liter. However, the quota of subsidized diesel did not fulfill the fisherman needs so that they must buy non subsidized diesel. It was impacted on the fishing operational cost which was bigger than fisherman income. Moreover, during covid-19 pandemic the average of fisherman income decrease at IDR 1.500.000-IDR 3.000.000 each trip compared with before covid-19 pandemic at IDR 5.000.000- IDR 7.000.000 each trip. It was caused by low fish price which was caused by the decreasing of fish demand.

scholarly journals APLIKASI TEORI PERILAKU MANAJEMEN PADA BANK MILIK PEMERINTAH DI INDONESIA

2018 ◽  
Vol 9 (2) ◽  
pp. 187
Author(s):  
Chaerani Nisa
Keyword(s):  
Granger Causality ◽  
Behavior Management ◽  
Central And Eastern Europe ◽  
Least Square ◽  
Capital Adequacy ◽  
Causality Test ◽  
Vector Autoregressive ◽  
Ordinary Least Square ◽  
Capital Adequacy Ratio ◽  
Result Show

<p>This paper analyzed the behavior management in state owned bank in Indonesia. The behavior management, which is divided into four hypothesis which are, bad management, bad luck, skimping and moral hazard. This hypothesis is tested using four variables, which are efficiency, non-performing loan and capital adequacy ratio. Meanwhile, the Granger Causality test is using to find out which behavior management is happened. This concept then applied in ordinary least square model. As modification, this research use VAR (Vector Autoregressive). Since VAR also using granger causality basic concept. The result show that bad luck hypothesis happened. This is similar with the condition in India, Nordic, Central and Eastern Europe.</p>

scholarly journals ANALYSIS OF FACTORS AFFECTING THE RETURN ON ASSETS OF BANK LISTED IN INDONESIA STOCK EXCHANGE PERIOD 2008-2011

2017 ◽  
Vol 13 (2) ◽  
pp. 93
Author(s):  
Wito Wito
Keyword(s):  
Firm Size ◽  
Stock Exchange ◽  
Operational Efficiency ◽  
Least Square ◽  
Capital Adequacy ◽  
Efficiency Ratio ◽  
Return On Assets ◽  
Factors Affecting ◽  
Ordinary Least Square ◽  
Capital Adequacy Ratio

<p>This research aims to analyze the influence of the non-performing loan, loan to deposit ratio, operational efficiency ratio, capital adequacy ratio and firm size on return on assets banking company listed on the Indonesia stock exchange during the period 2008-2011.</p><p>The Sample used in this study is as much as 23 companies, whereas the methods of analysis used is multiple regression based on ordinary least square (OLS)</p><p>The results showed that based on the test-t, it can be inferred that the non-performing loan, the operational efficiency ratio and firm size effect significantly to profitability (as measured by return on assets). While the loan to deposit ratio and capital adequacy ratio was not significant effect of the return on asset banking company. In the meantime, based on test-F all independent variables influence significantly to return on asset banking company listed on the Indonesia stock exchange period 2008-2011</p>

scholarly journals Determinants of E-Banking in Nepal

2019 ◽  
Vol 22 (2) ◽  
pp. 89-94
Author(s):  
Kamal Prakash Adhikari
Keyword(s):  
Research Design ◽  
Cross Section ◽  
Random Sampling ◽  
Sampling Method ◽  
Cross Section Data ◽  
Section Data ◽  
Time Savings

 This study tries to examine the determinants of e-banking in Nepal. Descriptive and causal research design was used in this study. Primary cross-section data were collected. Non-random sampling method was applied in this study. One hundred structured questionnaires were administered to respondents to gather data. This research confirmed that convenience, time savings, security and communication are the determinants of e-banking in Nepal.

scholarly journals ANALISIS PENGARUH KECUKUPAN MODAL, EFISIENSI, LIKUIDITAS, NPL, DAN PPAP TERHADAP ROA BANK

2018 ◽  
Vol 14 (1) ◽  
pp. 1-18
Author(s):  
Krisna Hidajat
Keyword(s):  
Linear Regression ◽  
Least Square ◽  
Capital Adequacy ◽  
Ordinary Least Square ◽  
Normality Test ◽  
Capital Adequacy Ratio ◽  
Independent Variable ◽  
Multi Linear Regression ◽  
Level Of Significance ◽  
Research Period

This research  is performed  in order  to test the influence  of  the  variable, Capital Adequacy Ratio (CAR), Biaya Operasi terhadap Pendapatan Operasi (BOPO), Loan to Deposit Ratio (LDR), Non Performing Loan (NPL), and Pembentukan Penyisihan Aktiva Produktif (PPAP) toward Return on Asset (ROA).Methodology reseach as the sample used sensus. Sample was accuired 23 banking company listed in JSX over period 2010-2013. Data analysis with multi linear regression of ordinary least square and hypotheses test used t-statistic dan F-statistic at level of significance  5%, a classic assumption  examination  which consist  of data  normality  test,  multicolinierity  test,  heteroskedasticity  test  and autocorrelation test is also being done to test the hypotheses.During research  period show' as variable and data research was normal distributed.  Based  on  multicolinierity  test,  heteroskedasticity  test  and autocorrelation test classic assumption deviation has not founded, tihis indicate that the available data has fulfill  the condition to use multi linear regression model. Empirical evidence show as CAR. BOPO and LDR toward ROA banking listed in JSX over period 2010-2013  at level of significance less than 5% (as 0,01%,0,01% and 0,6% each). While,  two  independent  variable  NPL,  and PPAP  not influence toward R0A at level of significance more than 5% at 88,2% and 72,7%. Where it was proved that together this research is performed in order to test the influence  of the variable  CAR,  BOPO,  LDR,  NPL and PPAP  to have influence toward banking ROA in JSX at level less than 5% (with level of significance 0,05). Prediction capability from these seven variable toward ROA is 35,1% where the balance (64,9%) is affected to other factor which was not to be entered to research model. 

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