scholarly journals Understanding Indonesian People Borrowing Money from Banks and Non-Banking Institutions

2016 ◽  
Vol 1 (3) ◽  
pp. 285
Author(s):  
Roro Hindun ◽  
Izzul Fatchu Reza

People’s borrowing behaviours are influenced by the need to fulfil their basic needs which always change in maintaining their lifestyles. This thesis analyzes the tendency of Indonesians to borrowing money, either from banks or non-banking institutions. This research was carried out using quantitative data analysis with secondary data from the Indonesian Family Life Survey panel data versions 3 and 4. The data was analyzed using STATA 12.0 software. The results of the study show that the significant factors that affect people’s behaviour in borrowing from either banks or non-banking institutions are amount of debt, assets, income, and location; while the insignificant factors are age, religion, and number of householders. Keywords: money borrowing, borrowing behaviour, debt, IFLS, STATA

2019 ◽  
Author(s):  
Ni Ketut Aryastami ◽  
Endang Achadi

Abstract Background Impaired growth in children can starts during pregnancy and continue to a few years after birth. Age of 0-2 year is considered as the critical window of growth after birth. This study aimed to investigate the influence of early growth towards growth in the pre-pubertal period. Methods The study was utilizing the Indonesian Family Life Survey panel data of 1993, 1997, and 2000, covered 13 out of 27 provinces. The sample was children aged 0-2 years (year 1993), 4-6 years (1997) and 7-9 years old (2000).The data analysis was conducted using SPSS version 13.0. Results About 77% of children who were stunting at 0-2 years and continued at age 4-6 years, remained stunting at ages 7-9 years; 59.5% who were stunting at 4-6 years, remained stunting at age 7-9 years; 10% who were normal at ages 0-2 and 4-6 years become stunting at age 7-9 years, and 16% among those who were stunting at age 0-2 year become normal at age 4-6 years. Multivariate analysis showed that children who were stunting at age 0-2 years and continued until age 4-6 years have 27 times risk of becoming stunting at age 7-9 and those who were stunting at age 4-6 years have 14 times risk. On the other hand, those who were stunting at age 0-2 years but became normal at age 4-6 years, were not related to the risk of becoming stunting at later age. Conclusion Stunted at age 7-9 years is appointed by shortness at the previous period especially when it began at age of 0-2 years and extended into age of 4-6 years. Particular concern has to be carefully interpreted for the evidence of regaining height of stunted children at 0-2 years into normal height at 4-6 years.


2019 ◽  
Author(s):  
Mila Mirza ◽  
Afriyeni Afriyeni

The purpose of this research was conducted to find out how the ratio of earning ratios on PT. Bank Pembangunan Daerah Sumatera Barat. The research method used is the method of qualitative and quantitative data analysis. The type of data used, namely secondary data obtained from Bank Indonesia and the publication of the report of the regional development banks of West Sumatra 2013 period – 2017. The results of this study showed that the rate of ROA with an average of 2.18% bank is said to still be in the position of the less healthy. The level of ROE also showed the unhealthy conditions in the bank with an average of 8.32% which means that banks are inefficient in generating net income, while the levels of NPM with an average of 3.92% banks increase whice means that the bank is said to be good at generating net income.


2019 ◽  
Author(s):  
Siska Ayu Putri ◽  
jhon fernos

The purpose of this research was to find out how Bank Soundness at PT. Ganto Nagari Rural Bank 1954 Lubuk Alung. The research method used is a method of qualitative and quantitative data analysis. The type of data used is secondary data obtained from Bank Indonesia publication reports and the Ganto Nagari Rural Bank 1954 Lubuk Alung 2016-2017 period. The results of this study indicate that the level of CAR is in a healthy position. The KAP level is in a healthy position, and the Profitability Ratio, Liquidity is also in a healthy position.


2021 ◽  
Author(s):  
Annisa Aziza Syawia ◽  
Doni Marlius

The purpose of this study was to determine how the profitability ratio at PT. BPR Lengayang Cabang Surantih. The research method used is quantitative data analysis method, where this quantitative method analyzes the calculation of the Bank's profitability level. The type of data used is secondary data obtained from reports from the Financial Services Authority and BPR Publication Reports for the 2017-2019 period. The results of this study indicate that the level of ROA (1.5%) according to BI standards is still in the very good category, so that banks can operate properly in using and utilizing their assets to generate profits. The level of ROE (23%) indicates that the bank's ability to generate net income is unhealthy. While the NPM level (51%) is in the very poor category, banks are below the average rating of BI, so they have not operated well in generating net profit.


Author(s):  
Rahul Singh Gautam ◽  
◽  
Venkata Mrudula Bhimavarapu ◽  
Dr. Shailesh Rastogi ◽  
◽  
...  

The composition of digitalization and financial technology has brought about a new development model for the agriculture sector. What is the impact of digitization on India’s farmers? To answer this issue, this article examines the effects of digitalization on farmers in India using secondary data from 2018 to 2020, based on the idea of digitalization. It analyses the transmission of digitalization among Indian farmers using panel data analysis. The conclusions are as follows: Farmers' income can be significantly increased by digitalization, and farmers' digitization has resulted in agriculture sector development and contributed to economic progress.


Author(s):  
Dewanta Arya Nugraha ◽  
Arifian Dimas ◽  
C Cari ◽  
A Suparmi ◽  
Widha Sunarno

<p><strong>Abstract: </strong>This study aims to analyze the POE learning model for understanding physics concepts. The method used in this research is a meta-analysis. Meta-analysis is research that examines the results of similar studies. Data obtained from national and international journal documents taken by purposive sampling based on conformity with the research theme. Data analysis using quantitative data analysis with presentations and qualitative data analysis in the form of descriptions of research results found. Based on data analysis, it found that the POE learning model can improve students' understanding of concepts.</p><p> </p><p><strong>Abstrak: </strong>Penelitian ini bertujuan untuk menganalisis model pembelajaran POE terhadap pemahaman konsep fisika. Metode yang digunakan dalam penelitian ini adalah meta analisis. Meta analisis merupakan penelitian yang mengkaji hasil penelitian yang sejenis. Data diperoleh dari dokumen-dokumen jurnal nasional maupun internasional yang diambil secara purposive sampling berdasarkan kesesuaian dengan tema penelitian. Analisis data menggunakan analisis data kuantitatif dengan presentasen dan analisis data kualitatif berupa deskripsi-deskripsi hasil penelitian yang ditemui. Berdasarkan analisis data ditemukan bahwa model pembelajaran POE dapat meningkatkan pemahaman konsep siswa</p>


Al Adzka ◽  
2018 ◽  
Vol 8 (1) ◽  
pp. 77
Author(s):  
Berkati Berkati

The purpose of this study was to determine the increase in the ability of teachers in preparing Learning Implementation Plans (RPP) through academic supervision. This research is a school action research with steps: planning, implementation, observation, and reflection. This research is planned to consist of two cycles. This research was carried out at MIN Amkoteng Subdistrict Anjir Muara, Barito Kuala District, South Kalimantan Province. Quantitative data analysis was used to determine the increase in the value of the practice of making RPP by teachers based on the standards set by the Ministry of National Education. The results of the study show that the teacher's ability to prepare RPP can be improved by academic supervision; collaboration between teachers and Supervisors of Primary Schools can be well established and useful in fostering teachers to improve their abilities in preparing RPP; the complete document II of the Education Unit (KTSP) MIN Amkoteng curriculum is complete, in the form of RPP collection documents; and this academic supervision can be used as a model in the following years in terms of drafting RPP, and can be used as an example for other schools.


2021 ◽  
Vol 2 (1) ◽  
pp. 15-22
Author(s):  
Erna Olua ◽  
Diana Setyaningsih ◽  
Yohana B. Pabendan

The purpose of this study was to describe the increase in numeracy skills of 0-10 through the Abacus Media for Group B children in Integrated PAUD Nagallo Marannu, Puncak Jaya Regency, Academic Year 2017/2018. This research was conducted on group B children, amounting to 16 people. This research is an action research with the method of Kemmis and Taggart which consists of 4 stages, namely (plan, act, observe and reflect). This study consisted of 2 cycles, each of which consisted of 3 meetings. Data collection techniques using observation, field notes, and documentation. Data analysis using quantitative and qualitative. Quantitative data analysis was performed with statistical descriptions to compare pre-cycle to cycle II. Qualitative analysis is carried out by analyzing data from observations, field notes and verified documentation. The results showed that there was an increase in the ability to count numbers 0-10 through the abacus media with a score in the pre-cycle of 46.35% increasing to 66.66% in the first cycle and an increase of 82.29 in the second cycle with the very well developed category.


Sign in / Sign up

Export Citation Format

Share Document