scholarly journals Analisis Faktor Penyebab Terjadinya Kredit Macet

FORUM EKONOMI ◽  
2017 ◽  
Vol 19 (1) ◽  
pp. 1
Author(s):  
Andi Nursyahriana ◽  
Michael Hadjat ◽  
Irsan Tricahyadinata
Keyword(s):  
Statistical Analysis ◽  
Linear Regression ◽  
Multiple Linear Regression ◽  
Field Survey ◽  
Variable Character ◽  
Negative Effect ◽  
Variable Condition

This research aims to know the influence of debtors i.e. character of debtor, capacity, condition of economy, and collateral of debtor against non performing loans at PT Bank Tabungan Negara Cabang Bontang. This research was conducted in Bontang City. The methods used in this research was field survey by using questionnaire to 32 respondents in troubled debtor status. Sampling using cencus method. Data were analyzed by using multiple linear regression in statistical analysis with the help of the program SPSS ver. 20. Results of research conducted indicates that the variable character (X1) have significant and negative effect on non performing loans (Y), capacity (X2) have non significant and negative effect on non performing loans (Y), the variable condition of economy (X3) have non significant and negative effect on non performing loans (Y), and variable collateral (X4) have non significant and negative effect on non performing loans (Y).Keywords: non performing loan

scholarly journals PENGARUH KOMPENSASI DAN BUDAYA ORGANISASI TERHADAP TURNOVER INTENTION

2017 ◽  
Vol 20 (3) ◽  
Author(s):  
Catur Widayati ◽  
Yolanda Yunia
Keyword(s):  
Organizational Culture ◽  
Statistical Analysis ◽  
Linear Regression ◽  
Multiple Linear Regression ◽  
Turnover Intention ◽  
Sampling Technique ◽  
Significant Negative Effect ◽  
Negative Effect ◽  
Regression Tests

This study aims to determine the effect of compensation and organizational culture on turnover intention. The object of this study are employees of the company PT HadicoPersada with businesses engaged in outsourcing, located in Central Jakarta. This study was conducted on 47 respondents. The sampling technique used in this study is saturated samples. Therefore, the analysis of the data used is the statistical analysis in the form of multiple linear regression tests. These results indicate that partially, the variable compensation has a negative and significant impact on the variable turnover intention. Variable organizational culture has a significant negative effect on the variable turnover intention.

PENGARUH FAKTOR-FAKTOR INTERNAL PERBANKAN TERHADAP NON PERFORMING FINANCING PADA BANK UMUM SYARIAH

2019 ◽  
Vol 6 (2) ◽  
pp. 115-130
Author(s):  
Eka Ambara Harci Putranta ◽  
Lilik Ambarwati
Keyword(s):  
Linear Regression ◽  
Multiple Linear Regression ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Annual Reports ◽  
Regression Methods ◽  
Capital Adequacy Ratio ◽  
Negative Effect ◽  
Independent Variable

The study aims to analyze the influence of internal banking factors in the form of: Capital Adequency Ratio (CAR), Financing to Deposit Ratio (FDR) and Total Assets (TA) to Non Performing Financing at Sharia Banks. This research method used multiple linear regression analysis with the help of SPSS 16.00 software which is used to see the influence between the independent variables in the form of Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR) and Total Assets (TA) to Non Performing Financing. The sample of this study was 3 Islamic Commercial Banks, so there were 36 annual reports obtained through purposive sampling, then analyzed using multiple linear regression methods. The results showed that based on the F Test, the independent variable had an effect on the NPF, indicated by the F value of 17,016 and significance of 0,000, overall the independent variable was able to explain the effect of 69.60%. While based on the partial t test, showed that CAR has a significant negative effect, Total assets have a significant positive effect with a significance value below 0.05 (5%). Meanwhile FDR does not affect NPF.

scholarly journals Dampak Bank Specific Variables Pada Rasio Non Performing Loan Dalam Sistem Perbankan Indonesia

2016 ◽  
Vol 8 (3) ◽  
Author(s):  
Anita Carolina ◽  
Muhammad Madyan
Keyword(s):  
Linear Regression ◽  
Multiple Linear Regression ◽  
Credit Rating ◽  
Multiple Linear Regression Model ◽  
Sampling Technique ◽  
Total Sample ◽  
Partial Regression Coefficient ◽  
Significance Level ◽  
Significant Negative Effect ◽  
Negative Effect

Conventional banks are vulnerable to non-performing loans, because the credit is the main source income of a bank. Credit risk may still occur, even though the bank's management has made efforts based credit rating 5C. The purpose of this study was to determine how much influence the variable CAR, LAR, NIM, and ROE against Non-Performing Loans (NPL) in the banking companies listed on BEI. The sampling technique used is purposive sampling with criteria: (1) a conventional commercial bank listed on the BEI 2009-2013 period, (2) the bank that issued the annual financial statements in a row in the period from 2009 to 2013, and (3) bank which has a data completeness NPL, CAR, LAR, NIM, and ROE in the period 2009-2013. Data obtained from the annual report of each bank in 2009-2013. There are a total sample of 29 banks. The analysis technique used is multiple linear regression and hypothesis testing using t-statistic to test the partial regression coefficient and F-statistic to test the effect simultaneously with a significance level of 0.05. Before being tested by multiple linear regression, first performed classical assumption of normality test data. The results showed that there were no deviations from the classical assumption test. This indicates that the available data is normal or eligible to be used as a multiple linear regression model. From the analysis, CAR and ROE have significant negative effect on the NPL and LAR have not significant negative effect on the NPL, while variable NIM have significant positive effect on the NPL.

scholarly journals Consumer Behavior Towards Purchase Intention of Seafood Processed Products in The Province of West Nusa Tenggara

2022 ◽  
Vol 10 (01) ◽  
pp. 2864-2870
Author(s):  
Zulkieflimansyah ◽  
Muhammad Nurjihadi ◽  
Jayanti Mandasari ◽  
Ayu Levia Tryana ◽  
Rozzy Aprirachman
Keyword(s):  
Consumer Behavior ◽  
Linear Regression ◽  
Multiple Linear Regression ◽  
Purchase Intention ◽  
Ordinal Data ◽  
Purchasing Decisions ◽  
Negative Effect ◽  
Seafood Products ◽  
Marine Products ◽  
Processed Products

This study aims to analyze the variables that influence purchasing decisions for processed marine products in the Province of West Nusa Tenggara. Determination of the number of respondents who will be the sample using the 10% Margin of Error (MOE) method with a total of 100 respondents consisting of several districts in West Nusa Tenggara Province. The analytical tool used in this research is Multiple Linear Regression to see the relationship between the independent variable and the dependent variable. The research was conducted using a Likert scale on each research variable with ordinal data and transformed into intervals using the  Method Successive Interval (MSI), using the MS.excel application, while the Multiple Linear Regression data processing used the Stata application. The result of this research is that the consumer behavior of processed seafood in West Nusa Tenggara Province is slightly different from the conventional theory of consumer behavior, where the brand has a negative effect on purchasing decisions of 0.2129039 points, and convenience has a negative effect on purchasing decisions of 0.1199636 points. Meanwhile, price, packaging, promotion, benefits, and consumer traditions have a positive effect on purchase intention. Processed seafood products in West Nusa Tenggara Province have different consumer characteristics from other products in general.

scholarly journals Analisis Pengaruh Karakteristik Individu, Karakteristik Organisasi dan Karakteristik Pekerjaan Terhadap Kepuasan Kerja Pegawai /Guru SUPM Negeri Pariaman

2021 ◽  
pp. 51-56
Author(s):  
Yernawilis ◽  
A.Noesyirwan ◽  
Wirawan ◽  
Harisjon
Keyword(s):  
Job Satisfaction ◽  
Data Analysis ◽  
Statistical Analysis ◽  
Linear Regression ◽  
Multiple Linear Regression ◽  
Quantitative Research ◽  
Job Characteristics ◽  
Individual Characteristics ◽  
Organizational Characteristics ◽  
Analysis Technique

This study aims to determine the effect of individual characteristics, organizational characteristics and job characteristics on job satisfaction of employees / teachers of SUPM Negeri Pariaman. This type of research is a causative quantitative research. The sample used was 90 respondents. The data analysis technique used in this research is multiple linear regression, with the help of the SPSS version 16 program. Based on the statistical analysis used, the results are: 1) individual characteristics have no effect on job satisfaction of employees / teachers of SUPM Negeri Pariaman, 2) organizational characteristics have a significant effect on job satisfaction of SUPM Negeri Pariaman employees / teachers, and 3) job characteristics have a significant effect on job satisfaction of SUPM Negeri Pariaman teachers. The contribution value of the influence of individual characteristics, organizational characteristics and job characteristics on job satisfaction is 53.8%, while the remaining 46.2% is influenced by other variables not included in this study.

scholarly journals Pengaruh Komitmen dan Pendapatan Terhadap Kebersamaan Pegawai Negeri Sipil Di Kota Pekanbaru

2015 ◽  
Vol 1 (3) ◽  
pp. 261-268
Author(s):  
Novita Novita
Keyword(s):  
Civil Society ◽  
Statistical Analysis ◽  
Linear Regression ◽  
Private Sector ◽  
Multiple Linear Regression ◽  
Research Method ◽  
Government Employees ◽  
The Public ◽  
Need Support ◽  
Factor Income

Abstract: Mental revolution for civil servants is an important part that is inseparable and as a form of an example for the private sector and civil society in order to build cohesiveness or togetherness. Not optimal sense of suspected dipengruhi by a factor of commitment and factor income. This research method using kunatitatif and analyzed with multiple linear regression statistical analysis. Penenlitian of results proved that the commitments and revenues provide positive and significant impact on the unity government employees in providing services to the public. Problems togetherness of employees is a form of mental changes and revolutions that need to get serious attention and become the focus means. Therefore, need support in various circles. Keywords: Commitment, Revenue and Togetherness

scholarly journals The Influence of E-Commerce, Product Prices and Product Design on Purchasing Decisions in Souvenir Shop Tauko Medan

2019 ◽  
Vol 2 (3) ◽  
pp. 388-395
Author(s):  
Nurul Nadzfah Nanda
Keyword(s):  
Data Analysis ◽  
Statistical Analysis ◽  
Linear Regression ◽  
Data Collection ◽  
Multiple Linear Regression ◽  
Product Design ◽  
Descriptive Analysis ◽  
Purchasing Decisions ◽  
Online Purchases ◽  
Survey Approach

Purchasing decisions made by consumers in Tauko Medan have decreased, this can be seen in the number of sales in Tauko Medan. The purpose of this study was to determine and analyze the influence of e-commerce, product prices and product design on purchasing decisions in Tauko Medan. Data collection in this study was carried out through a survey approach by distributing questionnaires. The population of this research were 399 people of Tauko Medan customers who had made  online purchases. The number of research samples were 80 people. The method of data analysis used descriptive analysis and statistical analysis of multiple linear regression. Research results showed that simultaneously e-commerce, product prices and product design have a positive and significant effect on purchasing decisions in Tauko Medan. Partially e-commerce has a positive and significant effect on purchasing decisions in Tauko Medan. Likewise, the price of products partially had a positive and significant effect on purchasing decisions in Tauko Medan. Partially product design had a positive and significant effect on purchasing decisions in Tauko Medan. Of the three variables e-commerce was dominant in influencing purchasing decisions in Tauko Medan.

scholarly journals Analysis of Influence Financial Ratios on Sharia Banking Performance in Indonesia (Empirical Study at Bank Muamalat Indonesia, Bank Syariah Mandiri, and Bank Mega Syariah)

2016 ◽  
Vol 4 (2) ◽  
pp. 135
Author(s):  
Shulhah Nurullaily
Keyword(s):  
United States ◽  
Regression Analysis ◽  
Linear Regression ◽  
Empirical Study ◽  
Multiple Linear Regression ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
The United States ◽  
Negative Effect ◽  
The Impact

This study aims to examine the performance of Sharia Banking in Indonesia after experiencing slowing growth due to the impact of the United States crisis in 2008/2009. Factors used to measure the performance of sharia banking represented by ROA are CAR, NPF, BOPO, NM and FDR. This research uses multiple linear regression analysis with sample of research of Bank Muamalat, Bank Mega Syariah, and Bank Syariah Mandiri with the period of research from the first quarter 2008 to the fourth quarter 2011. The result of this research that is NM and FDR have positive significant effect on ROA, while BOPO has a significant negative effect on ROA, CAR and NPF have no influence on ROA.

scholarly journals Pengaruh Time Budged Pressure Dan Skeptisisme Profesional Auditor Terhadap Kualitas Audit

2019 ◽  
Vol 1 (4) ◽  
pp. 1933-1948
Author(s):  
Miranty Eka Oktavia ◽  
Herlina Helmy
Keyword(s):  
Data Analysis ◽  
Linear Regression ◽  
Multiple Linear Regression ◽  
Sampling Method ◽  
Audit Quality ◽  
Primary Data ◽  
Significant Negative Effect ◽  
Analysis Technique ◽  
West Sumatra ◽  
Negative Effect

The research aims to know the: Influence of time budged pressure and skepticism of auditors to audit quality. The population in this research were Inspectorate of West Sumatra Provinc. The sample is determined by total sampling method, that all apparaturs of Inspektorate of West Sumatera Province. The data used in this research is primary data. This research used quetionnaires instrument as much as 32 respondents. Data analysis technique used is multiple linear regression. The result showed that: (1) Time budged pressure has significant negative effect on audit quality, where the tcount  -2,268 < ttable  2,048407 at sig 0,031 < α 0,05, (2) skepticism didn’t significant effect on audit quality, the tcount 0,442 < ttable  2,048407 in sig 0,662 > α 0,05.         

scholarly journals PENGARUH NON PERFORMING LOAN (NPL) DAN LOAN TO DEPOSIT RATIO (LDR) TERHADAP RETURN ON ASSET (ROA) PADA PERUSAHAAN PERBANKAN YANG TERDAFTAR DI BURSA EFEK INDONESIA

2020 ◽  
pp. 220-230
Author(s):  
Randi Siregar ◽  
Sabeth Sembiring
Keyword(s):  
Linear Regression ◽  
Multiple Linear Regression ◽  
Quantitative Research ◽  
Negative Impact ◽  
Coefficient Of Determination ◽  
Regression Analyses ◽  
Independent Variables ◽  
Significant Negative Impact ◽  
Negative Effect ◽  
Positive Effect

The purpose of this research was conducted to know the influence of: (1) Simultaneous Non Performing Loan and Loan to Deposit Ratio against Return On Asset, (2) Partial Non-Performing Loan against Return On Asset and (3) partial Loan to Deposit against Return On Asset Corporate Banking the Go Public period 2010 – 2012.The research uses quantitative research plans. The research subject is a banking company that go public from 2014 – 2016 and the objects are Non Performing Loan, Loan to Deposit Ratio and Return On Asset.Data collected using documentation methods and analyzed with multiple linear regression analyses. The results showed that (1) Non Performing Loan and Loan to Deposit Ratio simultaneously had significant effect on Return On Asset.(2) Non Performing Loan partially negative effect on Return On Asset, (3) Loan to Deposit Ratio positively affects the Return On Asset of the banking company listed on the Indonesia Stock Exchange.The value of the coefficient of determination (adjusted R2) of 0.323 or 32.3%, this translates to 32.3% of ROA variations that can be explained by variations of independent variables of the NPL and LDR.The remaining 67.7% is explained by other reasons outside of the regression model.Based on the results of multiple linear regression analyses indicating that the NPL has a significant negative impact on ROA, LDR has a significant and positive effect on Roa, NPL and LDR.

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