scholarly journals TINGKAT PENGEMBALIAN KREDIT NASABAH UPKD DAN FAKTOR-FAKTOR YANG MEMPENGARUHINYA (Studi di Desa Pagar Agung Kecamatan Seluma Barat Kabupaten Seluma)

Author(s):  
. Maryono

This research aimed to know the rate of return credit from costumers of Pagar Agung UPKD and to know the factors which influence the rate of return credit from the costumer of Pagar Agung UPKD by using primary and secondary data. Data was taken from 35 sample of costumers by using “purposive”. The statistic analisis which been used in this research was multiple linier regression by using one tail of t-test with confidence level of 95 % (? = 0,05) and f-test with confidence level 95 % (? = 0,05). The result of research showed that the rate of return credit highly varied according to the costumers ability and willingess The result of research by using multiple linier regression showed that on the confidence level of 95 % the long term to be costumers, household income, amount of family respon sibility,  education, level of credit were influential significantly, whereas the variable of, age, consumtion and work status were not influential significantly toward the credit rate ot return. Key word : Credit, Rate of Return, Costumers.   

Author(s):  
M. Nurung ◽  
Basuki Sigit Priyono ◽  
Fera Yuniarti

The research aim to know analize of  working time and related wich the woman’s vegetable’s retailer income (case in market of Bengkulu city) the research executed on July’s 27 – Agus’t 27 2005.The objek of this research were to know: 1. The reason why the women work as vegetable's retailer, 2.The factors that related with women's working time, 3. The related between working time witht income of women as vegetable's retailer, 4. Their contribution with household income. The location of this research determined with census method in Pasar Minggu, Pasar Baru Koto I, pasar Panorama, Pasar Pagar Dewa. The responden in this  research determined with census method with respondent of 28 persons.The information, that used in this research, based on primary and secondary data. The analysis that used are deskriptive method, income analyze, Rang Spearman Corelation by using two tail of t test whit confidence level of  95% ( = 0.025) and contribution analyze. The result of the research showed that the reason why working as vegetable' retailerbecause economic, social and culture  motive. Related to working time the motivation and perception are factor relatec to working time. The result of analyses show that, the average of income was Rp 1.950.937,50 / month and the average of  income's contribution was 66,76 %.  Key words : working time, vegetable’s retailer income


2019 ◽  
Vol 2 (2) ◽  
pp. 1-14
Author(s):  
Lydia Novi Yanti

This research is conducted in order to assess the effect of competency, motivation, and communication on employee’s performance (case studies at Dinas Pekerjaan Umum dan Penataan Ruang West Bandung Regency) partially and simultaneously. There are many factors that affect the employee’s performance, but this research is only limited to the factors of competency, motivation, and communication. The researcher used primary and secondary data. The research approach used is quantitative approach which the samples are 55 civil servants which is assessed by 5 Heads of Fields and 2 Heads Sub-Division. Before analyzing, all research validity and reliability instruments are examined. After the data are valid and reliable then analyzed by using classical assumption test, partial test (t test), and simultaneous test (F test) helping by IBM SPSS version 23 software. The result of analysis showed that competency, motivation, and communication variables are affected positively significantly and partially to the employee’s performance. Competency, motivation, and communication variables simultaneously affected positively and significantly about 54,3% and the rest is about 45,7% affected by other variable that is not observed in this research.  


2018 ◽  
Vol 4 (2) ◽  
pp. 129
Author(s):  
Khairunnisa Rangkuti

The purpose of this study was to determine the effect of prices, consumer tastes, income and location / place to Requests Orchid Plant in the city of Medan, and to know the Demand Elasticity of orchids in the city of Medan. The data collected from the data Primary and Secondary Data. Based on the results of testing statistical analysis obtained by value Multiple R of 86.6%. The value of F table at the level of 0.05 is thus calculated F 2,76 = 18.801> F table = 2.76 at 95% confidence level. Furthermore, in testing T test, to see the effect of demand factors partially on the request of orchids, the value of the T-table 2.045 with a confidence level of 86.6%. X2, X3 and X4 real impact While real variables X1 No Effect on Demand (Y). Analysing the value of Elasticity, Elastic Retrieved much as 3.395> 1. Demand level of sensitivity to the independent variable (tastes, income, and location) of 3.395.


2021 ◽  
Vol 12 (2) ◽  
pp. 253-262
Author(s):  
Risa Ratna Gumilang ◽  
Dikdik Nadiansyah

This research is motivated by a mismatch between theories regarding stock price movements that are influenced by inflation rates and BI Rate with conditions that occur in the field. In theory, when stock prices increase, it will be influenced by falling inflation and the BI Rate, and vice versa. But this is different from the conditions that occur in the field. This research aims to examine and determine the effect of inflation and BI Rate on the LQ45 company stock prices. This study uses the quantitative method by using the secondary data. From the results of the study using the t test, inflation has a tcount 0.828 and a Sig. 0.417. This shows that partially, inflation does not have a significant effect on stock prices. While the BI Rate has a value of -2.511 and a Sig. 0.020. This shows that partially, the BI Rate has a significant effect on stock prices. In correlation, inflation has a Sign value. (2-tailed) 0.068. This shows that in correlation, inflation does not have a significant relationship to the BI Rate. Simultaneously (F test), inflation and the BI Rate have a Fcount value of 5.005 and a Sig. (2-tailed) of 0.017. This shows that simultaneously, inflation and the BI Rate have a significant effect on stock prices.


2018 ◽  
Vol 13 (2) ◽  
pp. 95-104
Author(s):  
Riris Prantika Putri ◽  
Heriberta Heriberta ◽  
Emilia Emilia

This study aims to analyze the development of inflation, foreign direct investment (FDI) and government expenditure to economic growth in Indonesia also to identify and analyze the effect of inflation, FDI and government expenditure to economic growth in Indonesia. The data used is secondary data in the form of time series. Based on the data obtained, the average development of economic growth in Indonesia during the period 2000-2017 was 5.29%. Based on the F test the independent variables tend to influence the dependent variable. In the t-test is known that inflation does not affect the economic growth in Indonesia, while FDI and government expenditure has a positive and significant impact on economic growth in Indonesia. The R2 value is 0,594602, amounting to 59.46% means that economic growth is affected by inflation, FDI and government expenditure, 40.54% influenced by other factors that were not included in this study


2020 ◽  
Vol 9 (1) ◽  
Author(s):  
Yahya - Yahya ◽  
Zenitha - Maulida ◽  
Yusra - Yusra ◽  
Lidya - Makmur

The aim of this study is to investigate the influence of price and service quality toward the customer satisfaction of Batik Air Banda Aceh. 96 respondents of this study are collected through a questionnaire. The hypothesis was tested using multiple linear regression, F-test, and t-test, to know simultaneously and partially the influence of independent variable toward the dependent variable at a 95% confidence level (α = 0.05). The result, based on the t-test and partial test, shows that price and service quality influence the customer satisfaction level of Batik Air in Banda Aceh. Implication and suggestion also discussed in this study.


Author(s):  
Daryono Soebagiyo ◽  
Maulidyah Indira Hasmarini ◽  
Chuzaimah Chuzaimah

The objectives of this research are: to analyze influence of employment level, the other population burden level and the education level influences the unemployment in Central Java Province, as well as to find out how big the influence of each variable in short and long term, namely, job opportunity, the other population burden level and the education level i.e. elementary school, secondary school and high school toward unemployment in Central Java. This research was conducted in central Java, with secondary data which supported by the primary data from interviewing result with competent party.This research used Adaptive Expectancy Model as its analysis tools, namely, rationalization model which proposed by Nerlove (as in the Econometrics Gujarati book), namely, called as Stock Adjustment Model or Partial Adjustment Model (PAM)The result of this research acquired is for lower education, labor recruitment still can be done to decrease the unemployment level in the province. While for middle educational level, there is obstacle in recruitment of labors, even though; it still can be overcome because of the little relative. Yet, for the higher education, even though, in this analysis concluded that none of independent variable which used has the significant influence toward the dependent variable of unemployment, this is enabled because the higher education tends to search for the job not only in solely Central Java Province, but also they can search for the job in the other province that has leading sector of effort agreeing with that education. The higher education level is, then the lower the influence of burden level will not influence unemployment level either in short or long term is.


2017 ◽  
Vol 2 (2) ◽  
pp. 285
Author(s):  
Umi Sartika

ABSTRACT  The research aims to investigate empirically the influence of selected macroekonomic variables. The research design is associative. Independent variabel  are  inflation, Bank Indonesia certificate rate, the exchange rate of IDR, World Oil Price and World Gold Price on Indonesia Composite Index and Jakarta Islamic Index at The Indonesia Stock Exchange (IDX). This paper examines the direct effect of selected macroeconomic variabel on Indonesia Composite Index and Jakarta Islamic Index. The data is taken from the monthly closing price of each dependent and independent variables. The sampling method used in this study is the sample saturated and obtained a sample of 60 months of data closing price. The data used are secondary data collection methods of data documentation. The analysis which used in this research is multiple linier regression analysis, F test and t test. The result of calculations using Eviews 8, showed that: the result hypothesis F test, obtained value of Fcompute > Ftable, means that there is the influence of inflation, Bank Indonesia certificate rate, the exchange rate of IDR, World Oil Price and World Gold Price together on Indonesia Composite Index and Jakarta Islamic Index. While result of the hypothesis t test, showed that inflation, Bank Indonesia certificate rate, the exchange rate of IDR, World Oil Price and World Gold Price partially had not influence on Indonesia Composite Index and Jakarta Islamic Index


2021 ◽  
Vol 1 (1) ◽  
pp. 102
Author(s):  
Kasmiri Kasmiri ◽  
Kamal Nurjaman

ABSTRAKBank Syariah Mandiri sebagai lembaga keuangan terus berupaya menciptakan laba bersih dari setiap transaksi keuangan nasabahnya, sehingga upaya untuk menjaga perusahaan tetap memperoleh laba memerlukan evaluasi dari kedua instrumen keuangan bank di atas. Tujuan dari artikel ini yaitu untuk menganalisis seberapa besar pengaruh variabel Dana Pihak Ketiga dan variabel Ekuitas terhadap Laba pada Bank Syariah Mandiri Periode 2012-2019. Penelitian ini menggunakan pendekatan kuantitatif dengan metode deskriptif dan asosiatif. Data yang digunakan merupakan data sekunder yang bersumber dari data laporan keuangan triwulan Bank Syariah Mandiri periode tahun 2012 sampai 2019. Hasil penelitian menyimpulkan bahwa secara parsial Dana Pihak Ketiga (DPK) tidak berpengaruh signifikan terhadap Laba pada Bank Syariah Mandiri periode 2012-2019. Hal ini dapat dilihat pada hasil uji t (parsial) variabel X1 (DPK) diperoleh t hitung lebih kecil daripada t tabel (0,649 < 2,045), sedangkan Ekuitas berpengaruh signifikan terhadap Laba pada Bank Syariah Mandiri. Hal ini dapat dilihat pada hasil uji t (parsial) variabel X2 (Ekuitas) diperoleh thitung lebih besar daripada t tabel (2.120> 2.045), dengan nilai signifikansi lebih kecil dari 0,05 (0,043< 0,05).Berdasarkan hasil uji F, disimpulkan bahwa secara simultan DPK dan Ekuitas berpengaruh signifikan terhadap Laba Bank Syariah Mandiri periode 2012-2019. Hasil uji F (simultan) diperoleh Fhitung lebih besar daripada F tabel (9.047 > 3.328) dengan nilai signifikansi lebih kecil daripada 0.05 (0.001< 0.05 ). Berdasarkan hasil uji koefisien determinasi (R2), besarnya pengaruh DPK dan Ekuitas terhadap Laba Bank Syariah periode 2012-2019 sebesar 61 %, sedangkan sisanya sebesar 39 % dipengaruhi variabel lainnya yang tidak diteliti dalam penelitian ini. ABSTRACTBank Syariah Mandiri as a financial institution continues to strive to create a net profit from each of its customers' financial transactions, so efforts to keep the company profitable requires an evaluation of the two bank financial instruments above. The purpose of this article is to analyze how much influence the Third Party Funds and Equity variables have on Profits at Bank Syariah Mandiri for the 2012-2019 period. This research uses a quantitative approach with descriptive and associative methods. The data used is secondary data sourced from Bank Syariah Mandiri quarterly financial report data for the period 2012 to 2019. The results of the study conclude that partially Third Party Funds (TPF) have no significant effect on Profits at Bank Syariah Mandiri for the period 2012-2019. This can be seen in the results of the t test (partial) variable X1 (TPF) obtained t count smaller than t table (0.649 <2.045), while equity has a significant effect on profit at Bank Syariah Mandiri. This can be seen in the results of the t test (partial) variable X2 (Equity) obtained t count greater than t table (2.120> 2.045), with a significance value less than 0.05 (0.043 <0.05). Based on the results of the F test, it is concluded that simultaneously TPF and equity have a significant effect on the profit of Bank Syariah Mandiri for the period 2012-2019. The results of the F test (simultaneous) obtained Fcount greater than F table (9,047> 3,328) with a significance value smaller than 0.05 (0.001 <0.05). Based on the test results of the coefficient of determination (R2), the effect of TPF and Equity on the Profit of Islamic Banks for the 2012-2019 period was 61% while the remaining 39% was influenced by other variables not examined in this study.


2020 ◽  
Vol 5 (1) ◽  
pp. 113
Author(s):  
Yunan Surono ◽  
Saiyid Syeikh ◽  
Ade Rinaldi

This research aims to analyze the effect of simultaneous capital adequacy ratio, return on asset, loan to deposit ratio and non performing loan on the net profit of government public banks in Indonesia Stock Exchange. The effect of partial capital adequacy ratio, return on asset, loan to deposit ratio and non performing loan on the net profit of government public banks in Indonesia Stock Exchange. The research methodology is descriptive and quantitative analysis methods. Data used is secondary data. The population become object in this research is government public bank period of year of 2014-2018. Amount sample the used is the fourth (4)  government public bank and still stand up during period of perception and also publicized of year of 2014-2018 by Indonesian Stock Exchange the analysis multiple regression, hypotesis test so determinant coefficient F test  and  t test. The object of this research is foreign exchange bank listed on the Stock Exchange Indonesia 2014-2018. The sampel in the receach is PT Bank Negara Indonesia,Tbk (BBNI), PT Bank Rakyat Indonesia,Tbk (BBRI), PT Bank Tabungan Negara,Tbk (BBTN), PT Bank Mandiri,Tbk (BMRI), Results of multiple regression equation is Y =  11,469 + 1,30X1  +  1,599X2  - 5,069X3  + 0,481X4  + e,  F test result, it is known that  capital adequacy ratio, return on asset, loan to deposit ratio and non performing loan simultaneously on the net profit. F count larger than F table (52,763 > 3,06) or comparing the significant level of 0.05 then (0.000 < 0.05) then Ho is rejected and Ha accepted. Based on the results of the t test capital adequacy ratio, return on asset and loan to deposit ratio have significant effect between the net profit  (tcount> ttable).Conclusion is the capital adequacy ratio, return on asset, loan to deposit ratio and non performing loan simultaneously on the net profit.. While partially have variable capital adequacy ratio, return on asset and loan to deposit ratio have significant to net profit


Sign in / Sign up

Export Citation Format

Share Document