scholarly journals Faktor-Faktor yang Memengaruhi Realisasi Pembiayaan Mikro (Studi Kasus PT Bank Syariah Mandiri KCP Bogor Merdeka)

Author(s):  
Samirah Ali ◽  
Ali Mutasowifin

Microfinance is one popular product of Bank Syariah Mandiri. The purpose of this study is to know factors that influence the realization of microfinance as well as the characteristics of microfinance debitors. Characteristics of microfinance debitors are dominated by male, age 31-40 years old, high school education, 2-4 people dependents family, over 2 years age of business, net income per month from Rp1,000,000 to Rp5,000,000, dominated by trading companies, 1-3 times of borrowing frequency, amount of financing is more than Rp20,000.000, value of collateral is more than Rp50,000,000, and purpose of financing is for productive activities. Using multiple linear regression analysis, F test and T test at α = 5% there are three variables affect the realization of microfinancing, namely type of business (trade), the amount of financing proposed and value of collateral.

2020 ◽  
Vol 17 (1) ◽  
Author(s):  
Novita Febriany

ABSTRACTThe purpose of this study was to examine the effect of Intellectual Capital on the Company's Financial Performance in the Kompas 100 index companies listed on the Indonesia Stock Exchange. Multiple linear regression analysis is used as the analytical technique. The results of hypothesis testing (t-test) prove that Intellectual Capital influences the Company's Financial Performance. This means that the better the Intellectual Capital owned by the compass index company 100, the higher the company's financial performance. Keywords: Intellectual Capital and Financial Performance.ABSTRAKTujuan penelitian ini adalah untuk menguji pengaruh Intellectual Capital terhadap kinerja keuangan perusahaan yang terdaftar dalam Kompas 100 index yang terdaftar pada on the Bursa Efek Indonesia. Analisis regresi berganda digunakan sebagai teknik analisis yang digunakan. Hasil pengujian hipotesis (uji t-test) menunjukkan bahwa Intellectual Capital berpengaruh positif terhadap kinerja keuangan perusahaan. Hal ini menunjukkan bahwa Intellectual Capital yang semakin baik yang dimiliki oleh perusahaan yang terdaftar dalam index Kompas 100, maka semakin tinggi pula kinerja keuangan perusahaan.


2020 ◽  
Vol 3 (1) ◽  
pp. 29-37
Author(s):  
Ni Kadek Rita Yanti ◽  
A. A. Ketut Jayawarsa ◽  
I Gde Agung Wira Pertama

This study entitled The Effect of Exchange Rate (Exchange), Inflation, and Interest Rates on Savings Against the Volume of Public Savings in Government Commercial Banks in Indonesia for the period 2013-2017. The formulation of the problem: How the Effect of Exchange Rate (Exchange), Inflation, and Interest Rate Savings Against the Volume of Public Savings at Government Commercial Banks in Indonesia Period 2013-2017 simultaneously and partially. The purpose of this study are: To analyze the effect of Exchange Rate (Exchange ), Inflation, and Interest Rate Savings Against the Volume of Public Savings in Government Commercial Banks in Indonesia Period 2013-2017 simultaneously and partially. This research was conducted at the Government Commercial Bank through the website www.bi.go.id and www.ojk.go.id. The analytical tool used is Multiple Linear Regression Analysis, F Test (F-test), and t Test (t-test), before multiple linear regression analysis is carried out descriptive analysis of data and Classical Assumption Test, Results obtained from regression multiple linear is Y = 13,069 + 0,591 X1 + 0,040 X2 + 0,843 X3.


MODUS ◽  
2016 ◽  
Vol 26 (2) ◽  
pp. 145
Author(s):  
Bahqrin Sartika ◽  
Ign Sukirno

This study aims to determine consumers’ assessment of the credibility of the endorser Agnes Monica and diferences in terms of assessment based on gender diferences and the amount of pocket money a student / month and determine the infuence of Agnes Monica credibility endorser in ads on television sympathy prepaid cards to consumers to buy. The sampling method used is a method porpusive sampling. Sample in this study were 100 respondents who are consumers who never saw Agnes Monica in prabyar sympathy card advertisement on television. To test this hypothesis, used four methods of analysis is Mean Arithmetic, One Sample t-test, independent sample T-test and Multiple Linear Regression Analysis. Results of Mean arithmetic of consumer ratings of variable attractiveness and good expertise while for variable trustworthiness is pretty good. Results of analysis Independent Sample T-test there was no diference consumer ratings were reviewed based on gender diferences. Meanwhile, when the review is based on the diference in the amount of student’s money per month showed diferences in consumer ratings for the variable expertise. Multiple Linear Regression analysis results that there is a signifcant and positive efect on the variable trustworthiness and expertise and there is no signifcant negative infuence and attractiveness to the variable.Keywords: celebrity endorser credibility, attractiveness, trustworthiness, expertise, buying interest.


2019 ◽  
Author(s):  
Serly Kurnia Illahi ◽  
Marlina

ABSTRAKThis study aims to determine the understanding of tax regulations and motivation of taxpayers with tax compliance. The object of this research is the Padang Satu Primary Tax Office. The number of questionnaires in this study amounted to 92 questionnaires. The data from this study come from primary data obtained from the Padang Satu Primary Tax Office. Data analysis using multiple linear regression analysis. Based on the results of the study, not all positive variables are seen from the results of the t-test and the significance level is smaller than 0.05. for further research, it is expected to add research variables and the amount of data so that research is more accurate.Keyword:Understanding of Tax Regulations, Motivation of Taxpayers, Compliance of Taxpayers


2020 ◽  
Vol 5 (02) ◽  
pp. 145
Author(s):  
Yudi Agus Setiawan ◽  
Dina Prasetyaningrum

The aim of this research was to determine and analyze the influence of the Work Environment, Compensation, and Work Motivation on the performance of the employees of PT Braling Wisnu Satriya Purbalingga. The hypotheses of this research are 1) Work environment has a significant effect on employee performance at PT Braling Wisnu Satriya Purbalingga, 2) Compensation has a significant effect on employee performance at PT Braling Wisnu Satriya Purbalingga, 3) Work motivation has a significant effect on employee performance at PT Braling Wisnu Satriya Purbalingga. To test the effect of the independent variable on the dependent variable, multiple linear regression analysis was used, and based on the results of the analysis, the t₁ value was 2.653, t₂ was 4.682, t was 2.627 and each t was greater than t table (1.672), which means that Ho rejected or Ha accepted, so based on the t test, the first, second, and third hypotheses are accepted.  Keywords: Work Environment, Compensation, Work Motivation, Employee Performance


2016 ◽  
Vol 8 (2) ◽  
pp. 80-89
Author(s):  
Feilany Tali ◽  
Liliana Dewi

The purpose of this research is to know the influence of Entrepreneurial Motivation and  Entrepreneurship Education toward Entrepreneurial Intention on Faculty of Business Management, Ciputra University. The sample were used 93 students. This research used a quantitative research, random sampling and data was collect by questionnaire. The analysis technique used correlation pearson, cronbach alpha, multiple linear regression, t test, F test, and classical assumptions test. The result of multiple linear regression analysis is Ŷ = 0,750 + 0,585X1 + 0,240 X2, that means entrepreneurial intention influenced by entrepreneurial motivation and entrepreneurship education. Based on the results of study, it was found: 1) entrepreneurial motivation have positive and significant impact on entrepreneurial intention; based on multiple linear regression analysis (t test), is known tcount> ttable (5.331> 1.818) and the significance value <0.05(0,000). 2) entrepreneurship education have positive and significant impact on entrepreneurial intention; based on multiple linear regression analysis (t test), is known tcount> ttable (3,077 > 1,818) and the significance value <0.05 (0,003). 3) entrepreneurial motivation and entrepreneurship education together have a strong influence and direction of entrepreneurial intention (44.6%), while 54.4% are influenced by other variables not examined by researcher.


2020 ◽  
Vol 1 (3) ◽  
pp. 171-180
Author(s):  
Agau Lenin ◽  
Achmad Syamsudin

Purpose, - The purpose of this study was to determine and to know the effect of work motivation and discipline on employee performance at Fairuz Hotel in Palangka Raya.Design/methodology/approach - The research method used was qualitative, quantitative by using Multiple Linear Regression analysis techniques. The population and sample in this study were all of the Employees' Performance at Fairuz Hotel in Palangka Raya, totaling 30 people. Findings - This research shows the results partially (t-test): a) Motivation has significant and significant effect on Employee Performance, b) Work Discipline has a significant and significant effect on Employee Performance, and simultaneously the results of the study show Work Motivation and Discipline have a significant effect on Employee Performance in this study R2 = 0.532 or 53.2%.


2020 ◽  
Vol 4 (2) ◽  
pp. 312
Author(s):  
Mustika Mustika ◽  
Muhammad Amali

This research aims to find out how much motivation and work experience influence on employee productivity, the population in this study is all employees on cv. Citra Proteksindo Jambi City. Data analysis using multiple linear regression analysis, T test, F test, R². The results of the study show that Motivation and Work experience simultaneously affect employee productivity, and partially motivation has no effect on employee productivity while work experience affects employee productivity. 


2021 ◽  
Vol 1 (1) ◽  
pp. 63-80
Author(s):  
Likdanawati Likdanawati ◽  
Hamdiah Hamdiah ◽  
Saiful Harif

This study aims to determine and analyze the Effect of Leadership Style, Incentives and Motivation on Employee Work Achievement at the Langsa City Office of Environmental Sanitation (BLHK). The research sample of 45 respondents Officer at the Office (BLHK). The variable used is the dependent variable is Employee Job Performance. while the independent variables are Leadership Style, Incentives and Motivation. This study uses multiple linear regression analysis tools. Hypothesis testing using the F test found that the variables of Leadership Style, Incentives and Motivation have a significant effect together on Employee Job Performance. While the t test or partially states that the variables of Leadership Style, Incentives and Motivation have a positive and significant effect on Employee Job Performance.


2018 ◽  
Vol 2 (1) ◽  
pp. 19-26
Author(s):  
Hariadi Subagja ◽  
Estin Roso Pristiwaningsih ◽  
Joko Irsan Sanyoto ◽  
Agus Hadi Prayitno

This research aimed to know consider of consumer to decide of buying fried chicken and to know the dominan factor what it influence of buying decision in x company. The research was conducted at the two outlets, they were Gajah Mada street Number 74 dan Roxy Square Hayam wuruk street, Jember. The research method used was survey wtih 75 respondents that took by purposive sampling. The data result were analyzed using multiple linear regression analysis, F-test, and t-test. The result of analysis showed Y= 3,040 - 0,103X1 + 0,473X2 + 0,060X3 + 0,133X4 + 1,170X5. That equation means every level of consumer buying decision by X1 (price) equal to -0,103, X2 (taste) equal to 0,473, X3 (promotion) equal to 0,060, X4 (life style) equal to 0,133, and X5 (desain interior) equal to 1,170. The result of F-test showed that all of variabels has significant. 


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