scholarly journals The Influence of Working Capital and KUR Credit Provision on UMKM Income Level at PT. Bank Rakyat Indonesia Branch of Bintaro

2020 ◽  
Vol 1 (1) ◽  
pp. 147
Author(s):  
Hendro Waryanto

Banks develop KUR (Kredit Usaha Rakyat) to improve the competitiveness of the people's small businesses which are expected to have an impact on increasing the income and standard of living of the people towards prosperity. This study aims to determine the effect of working capital and the provision of KUR credit to the level of UMKM income at PT. Bank Rakyat Indonesia Branch of Bintaro. The method used was explanatory research with a sample of 86 respondents. The analysis technique uses statistical analysis with regression testing, correlation, determination, and hypothesis testing. The results of this study work capital have a significant effect on UMKM income levels of 20.3%, hypothesis testing obtained significance of 0,000 <0.05. The granting of KUR credit has a significant effect on UMKM income levels of 21.7%, the hypothesis test is obtained at a significance of 0,000 <0.05. Working capital and KUR credit distribution simultaneously had a significant effect on the UMKM income level of 32.9%, the hypothesis test obtained a significance of 0,000 <0.05.

Author(s):  
Ratna Dumilah

This study aims to determine the effect of working capital ratio and debt ratio to profitability at PT. Holcim Indonesia, Tbk. The method used is explanatory research. The analysis technique uses statistical analysis with regression testing, correlation, determination and hypothesis testing. The results of this study, the working capital ratio has a significant effect on profitability of 44.3%, the hypothesis test is obtained t count > t table or (2.552 > 2.306). The debt ratio has a significant effect on Rentability of 69.4%, the hypothesis test is obtained t count < t table or (-4.258 < 2.306). Working capital ratios and debt ratios simultaneously have a significant effect on Profitability obtained by the regression equation Y = 24.307 + 0.621X1 - 0.430X2 and a determination value of 96.2%, hypothesis testing obtained a calculated F value > F table or (88.636 > 4,350).


2020 ◽  
Vol 1 (1) ◽  
pp. 119
Author(s):  
Achmad Rozi

The implementation of promotional activities carried out by the company includes advertising, sales promotion, personal sales, and publicity. This study aims to determine the effect of promotion and accuracy of distribution of consumer buying interest at PT. Enzym Biotechnology Internusa. The method used was explanatory research with a sample of 96 respondents. The analysis technique uses statistical analysis with regression testing, correlation, determination and hypothesis testing. The results of this study have a significant influence on consumer buying interest of 41.1%, hypothesis testing obtained significance 0,000 <0.05. The accuracy of the distribution has a significant effect on consumer buying interest by 39.1%, the hypothesis test obtained a significance of 0,000 <0.05. Promotion and accuracy of distribution simultaneously have a significant effect on consumer buying interest of 50.2%, the hypothesis test obtained significance of 0,000 <0.05.


2020 ◽  
Vol 3 (2) ◽  
pp. 248-258
Author(s):  
Janudin Janudin ◽  
Siti Khotijah

This study aims to determine the effect and impact of the Capital Adequacy Ratio (X1 ) and Operational Expenses on Operating Income (X2 ) on Return on Assets (Y) at PT Bank Mandiri (Persero). Tbk. The method used is explanatory research. The analysis technique uses statistical analysis with regression testing, correlation, determination and hypothesis testing. The results of the research conducted indicate that the Capital Adequacy Ratio (X1 ) does not have a significant effect on Return on Assets (Y), the determination value is 74.8%, the hypothesis test is obtained by count <ttable or (- 3.851 <2.571). Operational Expense on Operating Income (X2 ) has no significant effect on Return on Assets (Y) with a determination value of 97.1%, hypothesis testing is obtained tcount <ttable or (- 13.010 <2.571). Capital Adequacy Ratio (X1 ) and Operating Expenses to Operating Income (X2 ) simultaneously have a significant effect on Return on Assets (Y), the regression equation Y = 8,202 - 0.017X1 - 0.074X2 and a determination value of 97.4%, hypothesis testing is obtained with Fcount> Ftable or (73,717> 6,590). Abstrak Penelitian ini bertujuan untuk mengetahui Pengaruh Capital Adequecy Ratio (X1) dan Beban Operasional terhadap Pendapatan Operasional (X2) Terhadap Return on Asset (Y) Pada PT. Bank Mandiri (Persero). Tbk. Metode yang digunakan adalah explanatory research. Teknik analisis menggunakan analisis statistik dengan pengujian regresi, korelasi, determinasi dan uji hipotesis. Hasil penelitian ini Capital Adequecy Ratio (X1) tidak berpengaruh signifikan terhadap Return on Asset (Y), nilai determinasi sebesar 74,8%, uji hipotesis diperoleh t hitung < t tabel atau (- 3,851 < 2,571). Beban Operasional terhadap Pendapatan Operasional(X2) tidak berpengaruh signifikan terhadap Return on Asset (Y) dengan nilai determinasi sebesar 97,1%, uji hipotesis diperoleh t hitung < t tabel atau (- 13,010 < 2,571). Capital Adequecy Ratio (X1) dan Beban Operasional terhadap Pendapatan Operasional (X2) secara simultan berpengaruh signifikan terhadap Return on Asset (Y) diperoleh persamaan regresi Y = 8,202 - 0.017X1 - 0.074X2 dan nilai determinasi sebesar 97,4%, uji hipotesis diperoleh nilai F hitung > F tabel atau (73,717 > 6,590) Kata Kunci : Capital Adequacy Ratio, Beban Operasional terhadap Pendapatan Operasional, Return on Asset


2020 ◽  
Vol 10 (1) ◽  
pp. 113
Author(s):  
Raden Roro Ayumetarini

This study aims to determine the effect of service quality and price on customer satisfaction at Kartika Candra in Jakarta. The method used was explanatory research with a sample of 96 respondents. The analysis technique uses statistical analysis with regression testing, correlation, determination and hypothesis testing. The results of this study the quality of service significantly influence customer satisfaction by 40.6%, hypothesis testing obtained significance 0,000 <0.05. Price significantly influence customer satisfaction by 40.0%, the hypothesis test obtained significance of 0,000 <0.05. Service quality and price simultaneously have a significant effect on customer satisfaction by 50.3%, hypothesis testing obtained significance 0,000 <0.05.


2020 ◽  
Vol 1 (1) ◽  
pp. 175
Author(s):  
Ahmad Nurhadi

This study aims to determine the effect of product prices and promotions on purchasing decisions of Mitsubishi brand cars at PT. Srikandi Diamond Motors Tangerang Branch. The method used was explanatory research with a sample of 96 respondents. The analysis technique uses statistical analysis with regression testing, correlation, determination and hypothesis testing. The results of this study the price of products significantly influence the decision to purchase a Mitsubishi brand car by 42.7%, the hypothesis test obtained significance of 0,000 <0.05. Promotion has a significant effect on the decision to purchase a Mitsubishi brand car of 43.1%, the hypothesis test obtained a significance of 0,000 <0.05. Product prices and promotions simultaneously have a significant effect on purchasing decisions of Mitsubishi brand cars by 53.5%, hypothesis testing obtained significance of 0,000 <0.05.


2020 ◽  
Vol 7 (1) ◽  
pp. 1
Author(s):  
Elizabeth Tika Kristina Hartuti ◽  
Cornelia Dumarya Manik

The company tries to create a product of course with good quality so consumers are interested in buying the product being sold. This study aims to determine the effect of consumer perceptions, innovation and product quality on purchasing decisions of tourists consuming traditional getuk goreng food in Sokaraja Tengah Village, Sokaraja District. The method used was explanatory research with a sample of 96 respondents. The analysis technique uses instrument testing, classical assumption test, regression testing, correlation coefficient, coefficient of determination and hypothesis testing. The results of this study consumers' perceptions significantly influence purchasing decisions by 31.9%, hypothesis testing obtained significance 0,000 <0.05. Innovation has a significant effect on purchasing decisions by 41.4%, hypothesis testing obtained significance 0,000 <0.05. Product quality has a significant effect on purchasing decisions by 26.9%, hypothesis testing obtained significance 0,000 <0.05. Consumer perception, innovation and product quality simultaneously have a significant effect on purchasing decisions by 50.1%, the hypothesis test obtained significance of 0,000 <0.05. Purchasing decisions significantly influence consumer satisfaction by 45.5%, hypothesis testing obtained significance 0,000 <0.05.


2020 ◽  
Vol 1 (1) ◽  
pp. 165
Author(s):  
Jasmani Jasmani ◽  
Denok Sunarsi

Along with the many types of bread that appear now, one of which is white bread. Companies are required to make bread products that can meet the wishes of the community. This study aims to determine the effect of product mix, promotion mix and brand image on consumer purchasing decisions of Sari Roti products in South Tangerang. The method used was explanatory research with a sample of 96 consumers. The analysis technique uses statistical analysis with regression testing, correlation, determination, and hypothesis testing. The results of this study the product mix significantly influence consumer purchasing decisions by 30.3%, the hypothesis test obtained significance 0,000 <0.05. The promotion mix has a significant effect on consumer purchasing decisions by 41.2%, the hypothesis test obtained significance 0,000 <0.05. Brand image has a significant effect on consumer purchasing decisions by 26.8%, hypothesis testing obtained significance 0,000 <0.05. Product mix, promotion mix, and brand image simultaneously have a significant effect on consumer purchasing decisions by 49.3%, hypothesis testing obtained significance of 0,000 <0.05.


2020 ◽  
Vol 7 (1) ◽  
pp. 65
Author(s):  
Triyadi Triyadi

Fulfillment of customer desires becomes very important in determining the quality of service, because what determines whether or not the quality of service is not producers or companies but consumers. This study aims to determine the effect of promotion and service quality on customer satisfaction at PT. Surya Karya Prima in Jakarta. The method used was explanatory research with a sample of 100 respondents. The analysis technique uses statistical analysis with regression testing, correlation, determination and hypothesis testing. The results of this study have a significant effect on customer satisfaction by 38.7%, hypothesis testing obtained significance 0,000 <0.05. Service quality has a significant effect on customer satisfaction by 48.5%, the hypothesis test obtained significance 0,000 <0.05. Promotion and quality of service simultaneously have a significant effect on customer satisfaction by 56.0%, hypothesis testing obtained significance 0,000 <0.05.


2020 ◽  
Vol 3 (2) ◽  
pp. 238-247
Author(s):  
Hestu Nugroho Warasto ◽  
Nining Setyaningsih

This study aims to determine the effect of Current Ratio and Return On Assets on Debt to Equity Ratio at PT Duta Anggada Realty. The method used is explanatory research. The analysis technique with statistical analysis with regression testing, correlation, determination and hypothesis testing. The results of this study Current Ratio does not significantly influence the Debt to Equity Ratio, Determination value of 21.5%, the hypothesis test obtained tcount <ttable or (-1,480 < 2,306). Return On Assets has no significant effect on Debt to Equity Ratio Determination value of 13.9%, the hypothesis test obtained tcount <ttable or (-1,138 < 2,306). Current Ratio and Return On Assets simultaneously have no significant effect on Debt to Equity Ratio obtained by the regression equation Y = 36,963 - 0,409 X1 - 24,424 X2 and the determination value of 39.2%, the hypothesis test obtained the value of Fcount < Ftable or (2.259 < 4,350). Abstrak Penelitian ini bertujuan untuk mengetahui Pengaruh Current Ratio dan Return On Asset Terhadap Debt to Equity Ratio Pada PT. Duta Anggada Realty.Metode yang digunakan adalah explanatory research. Teknik analisis menggunakan analisis statistik dengan pengujian regresi, korelasi, determinasi dan uji hipotesis. Hasil penelitian ini Current Ratio tidak berpengaruh signifikan terhadap Debt to Equity Ratio, nilai Determinasi sebesar 21,5%, uji hipotesis diperoleh t hitung < t tabel atau (-1,480 < 2,306). Return On Asset tidak berpengaruh signifikan terhadap Debt to Equity Ratio nilai Determinasi sebesar 13,9%, uji hipotesis diperoleh t hitung < t tabel atau (-1,138 < 2,306). Current Ratio dan Return On Asset secara simultan tidak berpengaruh signifikan terhadap Debt to Equity Ratio diperoleh persamaan regresi Y = 36,963 - 0,409X1 - 24,424X2 dan nilai determinasi sebesar 39,2%, uji hipotesis diperoleh nilai F hitung < F tabel atau (2,259 < 4,350). Kata Kunci : Current Ratio, Return on Asset, Debt to Equity Ratio


2020 ◽  
Vol 6 (2) ◽  
pp. 207
Author(s):  
Dede Andi

This research aims to study the training and placement of employees at PT. Bank Danamon Tbk, Kuningan-Jakarta. The method used is explanatory research with a sample of 55 respondents. The analysis technique uses statistical analysis with regression testing, evaluation, determination and hypothesis testing. The results of this study significantly improved employee performance by 48.3%, the hypothesis test obtained significance of 0,000 <0.05. Significant job placement on employee performance by 34.4%, hypothesis testing obtained significance of 0,000 <0.05. Training and work placement is significant on employee performance by 56.2%, hypothesis testing obtained significance 0,000 <0.05.


Sign in / Sign up

Export Citation Format

Share Document