scholarly journals Effect of Internal and External Factors on Profitability in Sharia Business Units (UUS) PT. Bank Tabungan Negara (Persero) Tbk

2021 ◽  
Vol 3 (2) ◽  
pp. 65-83
Author(s):  
Wahyudi Gusti Antony ◽  
Harlen Harlen ◽  
Yusni Maulida
Keyword(s):  
Interest Rates ◽  
Intellectual Capital ◽  
External Factors ◽  
Internal Factors ◽  
Financial Report ◽  
Analysis Techniques ◽  
Independent Variables ◽  
Business Units ◽  
Internal And External Factors ◽  
Research Period

This study studied to analyze the factors that influence the ROA at the UUS Bank BTN seen from internal factors as well as from external banks. Related to internal bank factors, namely Non Performing Financing (NPF), and Intellectual Capital, and bank external factors which contain Inflation, and Bank Indonesia Interest Rates. The research period from 2006 to 2017. The data used was obtained from the Annual Publication Financial Report with data collection techniques by means of coordination, so that the research data sample was 12. Data analysis techniques used were multiple linear regression. The results of the study show that all variables, namely NPF, Intellectual Capital, Inflation, and Interest Rate of Bank Indonesia affect ROA simultaneously. Partial inflation, and Bank Indonesia interest rates do not affect the temporary ROA of NPF, and intellectual capital influences ROA significantly. From independent independent variables that oppose the submission of opinions on the ROA owned by NPF which has the greatest influence with a coefficient of -0,353338%. Next Intellectual Capital with a coefficient of 0,107804%.

Kendala Usaha Mikro Dalam Mengakses Kredit Usaha Rakyat (KUR)

Liquidity ◽  
2018 ◽  
Vol 4 (1) ◽  
pp. 64-72
Author(s):  
Siti Maryama
Keyword(s):  
Descriptive Analysis ◽  
External Factors ◽  
Application Process ◽  
Internal Factors ◽  
Analysis Techniques ◽  
Independent Variables ◽  
Dependent Variables ◽  
Internal And External Factors ◽  
Research Analysis ◽  
Test Correlation

There are two objectives in this study: (1) to determine how micro businesses in Ciputat in accessing loan credit program (KUR) for their business development; (2) analyze the factors that can be an obstacle in accessing it. The research data obtained through questionnaires and interviews with micro entrepreneurs (traders) who are in the market Ciputat, South Tangerang Municipality. Research analysis techniques using descriptive analysis techniques and quantitative analysis. The variables in the study include independent variables/internal factors and external the dependent variables/constraints. Relationships between variables were examined by using test correlation coefficient. The study concluded that essentially the factors or constraints that may affect businesses in accessing credit consists of internal and external factors. Internal factors consist of background education, their understanding about credit, collateral owned, and the courage to apply for credit. While external factors consist of socialization of KUR, lending, collateral requirements, licensing, and credit application process. This is shown by the average of respondents agree that these factors affect or be an obstacle in accessing credit.

scholarly journals Analysis of Effects of Service Quality and Loyalty on Interest Rates of Basketball Athletes in Sahabat Basketball Club Yogyakarta

2020 ◽  
Vol 11 (2) ◽  
pp. 151-160
Author(s):  
Kukuh Hardopo Putro ◽  
Mohd Salleh Aman ◽  
Keyword(s):  
Interest Rates ◽  
Random Sampling ◽  
External Factors ◽  
Major Influence ◽  
Qualitative And Quantitative ◽  
Analysis Techniques ◽  
Using Data ◽  
Internal And External Factors ◽  
The Cost ◽  
Customer Trust

AbstractIn business, especially basketball experience an increased very rapidly, both in terms of quality and quantity in Yogyakarta. Customer as the facilities and services the user pays the cost, much influenced by several internal and external factors. These factors have a major influence on the process of the customer to pay a fee to join and dues in Basketball Clubs. This type of research is descriptive with mixed qualitative and quantitative approach, population in this study is the Athlete Club Basketball “Sahabat” of Yogyakarta, with the number of 20 people, the study sample was determined by random sampling. The technique of collecting data using questionnaires. SPSS.21 using data analysis techniques. While looking at the level of loyalty of respondents to the basketball club Yogyakarta “Sahabat”, 13 of 20 respondents said well (65%) and 7 respondents (35%) had middle loyalty. So from this study showed that customer trust is strongly influenced by the good facilities, appropriate tariffs, staff were nice, the service was very good, and therefore in this study obtained very significant results to customer satisfaction or athletes in the Club Basketball “Sahabat” of Yogyakarta.

scholarly journals PENGARUH N-ACH DAN EFIKASI DIRI TERHADAP MINAT TEKNOPRENEUR

2021 ◽  
Vol 7 (2) ◽  
Author(s):  
Siti Marti'ah
Keyword(s):  
Academic Achievement ◽  
Family Environment ◽  
Work Experience ◽  
Self Efficacy ◽  
Random Sampling ◽  
Simple Random Sampling ◽  
External Factors ◽  
Internal Factors ◽  
Analysis Techniques ◽  
Independent Variables

Berlatar belakang keilmuan informatika para mahasiswa belum menunjukan minat menjadi seorang teknopreneur. Kegiatan-kegiatan selama proses pembelajaran, Lingkungan keluarga, masyarakat dan pendidikan merupakan faktor eksternal yang mempengaruhi seseorang memiliki minat menjadi wirausaha. Faktor lain yang dapat mempengaruhi minat teknopreneur adalah faktor internal diantaranya sikap dan mental, intensi berwirausha, efikasi diri, kebutuhan akan prestasi, kesiapan instrument, gender, prestasi akademik dan pengalaman kerja. Tujuan penelitian untuk mengetahui pengaruh efikasi diri dan N-ach terhadap minat teknopreneuer. Penelitian menggunakan pendekatan Kuantitaif serta teknik analisis menggunakan regresi berganda dengan variabel terikat yaitu minat teknopreneur sedangkan variabel bebas adalah efikasi diri dan N-Ach. Pengumpulan data menggunakan kuesioner diberikan kepada 240 mahasiswa yang telah menerima mata kuliah kewirausahaan dan dipilih secara acak sederhana. Hasil penelitian yaitu efikasi diri dan N-ach turut mempengaruhi secara signifikan minat teknoprenuer. Minat mahasiswa informatika untuk menjadi teknopreneuer sebesar 40% dipengaruhi oleh efikasi diri dan N-ach dan sebesar 60% dipengaruhi faktor lain diluar model. Kata Kunci:  Teknopreneur, Minat, Efikasi diri, N-Ach AbstractStudents with informatics backgrounds have not shown an interest in becoming a technopreneur. Activities during the learning process, family environment, and the community are external factors that affect a person having an interest in being an entrepreneur. Other factors that can influence technopreneur interest are internal factors including attitude and mentality, entrepreneurship intentions, self-efficacy, need for achievement, instrument readiness, gender, academic achievement and work experience. The aim of the research was to determine the effect of self-efficacy and N-ach on teknopreneuer's interest. The research uses a quantitative approach and analysis techniques using multiple regression with the dependent variable is technopreneur interest while the independent variables are self-efficacy and N-Ach. Data collection using a questionnaire was given to 240 students who had received entrepreneurship courses and were chosen at simple random sampling. The results of the research explain self-efficacy and N-ach also significantly influence the interest of technoprenuer. The interest of informatics students to become a technopreneuer by 40% is influenced by self-efficacy and N-ach and by 60% is influenced by other factors outside the model.Keywords: Technopreneur, Interest, Self-efficacy, N-Ach  

scholarly journals DETERMINAN PROFITABILITAS: KAJIAN PENGELOLAAN FAKTOR INTERNAL DAN EKSTERNAL PERUSAHAAN TEKSTIL DAN PRODUK TEKSTIL (TPT) YANG TERDAFTAR DI BURSA EFEK INDONESIA

2019 ◽  
Vol 5 (1) ◽  
Author(s):  
Nugraheni Siwi
Keyword(s):  
Risk Management ◽  
Interest Rates ◽  
Liquidity Risk ◽  
External Factors ◽  
Current Ratio ◽  
Internal Factors ◽  
Managerial Implication ◽  
Macroeconomic Factors ◽  
Internal And External Factors ◽  
Bearing Analysis

This research looks at the effect of internal factors or microeconomics and external factors or macroeconomic factors on profitability of textiles and textiles products companies. The result showed that partially, only current ratio and the interest rates which have significant impact on ROA. simultanously, internal and external factors have significant impact on ROA. Managerial implication based on this research are, the companies should apply liquidity risk management like mitigation on liquidity crisis and liquidity risk bearing analysis also look for another fund resources to decrease interest rates expenses.

scholarly journals The Determination Of Credit Distribution: A Case Study Of Rural Credit Banks In Indonesia

2021 ◽  
Vol 1 (1) ◽  
pp. 26
Author(s):  
Ghazali Syamni ◽  
Nasir Azis ◽  
Alifcha Novanda ◽  
Jumadil Saputra
Keyword(s):  
Interest Rates ◽  
External Factors ◽  
Capital Adequacy ◽  
Third Party ◽  
Financial Report ◽  
Operating Income ◽  
Rural Credit ◽  
Common Effect ◽  
Effect Model ◽  
Internal And External Factors

The credit distribution is a vital banking intermediation functions in which banks serve as intermediaries for debtors and creditors. Credit distribution to customers is dependent upon internal and external factors. This research is conducted to examine the influence of internal and external factors on credit distribution at Indonesian’s rural credit banks in particular rural credit banks in Java and Sumatra. The data used in this study are a financial report of rural credit banks in Java and Sumatera from the period 0f 2014-2016 accessed from Bank Indonesia’s website. Inflation data obtained from the Central Bureau of Statistics. This study applies a panel regression model with the common effect model as the best model. The results of the study show that inflation is the single external factor that influences the distribution of assets in BPR, while interest rates (Bank Indonesia’s certificates) do not affect credit distribution. Meanwhile, internal factors which include Operational Costs to Operating Income, third-party funds, Capital Adequacy Ratio, concurrently affect credit distribution in rural credit banks in Indonesia, especially Java and Sumatra.

scholarly journals Credit Constraints for Microfinance Sector in Pakistan, an Analysis of Internal and External Factors

2015 ◽  
Vol 47 ◽  
pp. 164-173
Author(s):  
Muhammad Mohsin Khan
Keyword(s):  
Financial Services ◽  
Credit Constraints ◽  
External Factors ◽  
Poor People ◽  
Language Awareness ◽  
Internal Factors ◽  
Independent Variables ◽  
Employment Generation ◽  
Internal And External Factors ◽  
The Impact

Microfinance is considered to be an effective tool for poverty alleviation, employment generation, income generation and income equality. It is a financial service provided to poor people who do not have any other source of funds or have access to financial services. The purpose of this research paper is to determine the credit constraints that are facing by microfinance sector in Pakistan. The data is collected through structured questionnaires from 250 respondents who are employees of MFBs/ MFIs keeping in view three broad categories of theoretical framework including internal factors having sub variables like operational cost, HR capacity, innovation and external factors having sub variables like competition, language, awareness as independent variables and a dependent variable having sub variable that is credit constraints for microfinance sector. Regression analysis has been used to determine the impact of independent variables i.e. internal and external factors on dependent variable that is credit constraints. The study found that there is a significant impact of internal and external factors on the credit constraints facing the microfinance sector. Based on the results it is recommended that concerned authorities should give due importance to all sub variables of internal and external factors in order to minimize the issue of credit constraints facing the microfinance sector.

scholarly journals Faktor-Faktor yang Mempengaruhi Minat Teknopreneur Melalui Motivasi pada Mahasiswa

2020 ◽  
Vol 5 (1) ◽  
Author(s):  
Siti Marti'ah ◽  
Berta Dian Theodora
Keyword(s):  
Path Analysis ◽  
External Factors ◽  
Quantitative Approach ◽  
Analysis Method ◽  
Study Program ◽  
Internal Factors ◽  
Entrepreneurial Motivation ◽  
Independent Variables ◽  
Internal And External Factors

<em>Entrepreneur day participants for 3 years in general have always increased in number, but unfortunately the number of participants in the technopreneurship business field is less than expected, in 2019 there were 3 participants out of 160 participants. This amount is relatively small so that a research is needed concerning on what factors can influence student’s motivation and interest in becoming a technopreneur in informatics students. This study used a quantitative approach to the path analysis method with independent variables, namely internal and external factors, entrepreneurship motivation as an intervention variable and technopreneur interest as the dependent variable. The research sample wad students who had taken entrepreneurship courses in the informatics study program as many as 300 students. The results showed that internal factors and external factors influenced entrepreneurial motivation by 36.4%. Entrepreneurial interest was directly influenced by internal factors and entrepreneurial motivation, while external factors did not directly affect the interests of technopreneur and needed to be through entrepreneurial motivation.</em>

STRATEGI MENINGKATKAN LOYALITAS KONSUMEN MAKANAN KHAS KOTA CURUP KABUPATEN REJANG LEBONG

2019 ◽  
Author(s):  
Onsardi Onsardi
Keyword(s):  
Swot Analysis ◽  
Raw Materials ◽  
External Factors ◽  
Consumer Loyalty ◽  
Internal Factors ◽  
The Public ◽  
Typical Food ◽  
Internal And External Factors

The title of this study is the Strategy of Increasing Consumer Food Loyalty in CurupCity, Rejang Lebong Regency (Case Study in "Henvian" Typical Food Industry). Thisresearch is based on the importance of strategies in increasing business and consumerloyalty to products sold.Strategies to increase business and consumer loyalty can bedone with a SWOT analysis. Place of this research is the "Henvian" shop that sellstypical Rejang lebong food. The method used in this study is descriptive qualitative.Informants in this study were people who were considered to know for certain about theHENVIAN Specialty Food Store in Curup City, Rejang Lebong Regency. The dataanalysis technique used in this study is a SWOT analysis to determine the strengths,weaknesses, opportunities and threats in a typical Rejang Lebong food business.By using SWOT analysis techniques that consist of strengths (weakness), weaknesses(weakness), opportunities (opportnity) and threats (threath). The results of this studycan be concluded that the internal factors that are the strength of the marketing strategyare the quality of the product that is good at a price affordable to the public andtourists, service that is friendly and responsive to consumer needs, as well astechnological advancements that facilitate the promotion of business. Internal factorsthat are a weakness are often lack of stock, there are some products that do not meet thestandard packaging, the product shelf life is short, employees do not use uniforms.External factors that become opportunities are a fairly high economic community,abundant raw materials while external factors that are a threat are the manycompetitors, an unstable economy, the price of basic needs increases. Based on theresults of the SWOT analysis of internal and external factors, the strategy used is toimprove product quality by improving the appearance of packaging and quality ofcontent and quality of service by providing uniforms to employees and providingstandards of service to consumers. .Keywords: Strategy, Consumer Loyalty, SWOT

FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT BERWIRAUSAHA MAHASISWA STAI MUHAMMADIYAH TULUNGAGUNG

2021 ◽  
Vol 5 (1) ◽  
Author(s):  
Mendah Nur Kumala ◽  
Mei Santi ◽  
Hasan Sultoni
Keyword(s):  
Family Environment ◽  
Sampling Technique ◽  
Self Esteem ◽  
External Factors ◽  
Test Reliability ◽  
Primary Data ◽  
Internal Factors ◽  
Surrounding Environment ◽  
Environment Education ◽  
Internal And External Factors

One alternative to reduce the unemployment rate in Indonesia is to foster entrepreneurship in college students because this is expected to be an educated young entrepreneur who is able to start his own business, and be able to open up jobs for others. The formulation of the problem include: what are internal factors (income, self-esteem, motivation) and whether external factors (family environment, surrounding environment, education, and opportunities) influence the interest in entrepreneurship of STAI Muhammadiyah Tulungagung students ?. This study aims to determine internal factors (income, self-esteem, motivation) and external factors (family environment, surrounding environment, education, and opportunities) affect the entrepreneurial interest of STAI Muhammadiyah Tulungagung students. The approach used is a quantitative approach to the type of associative research. The population and sample in this study were students of STAI Muhammadiyah Tulungagung which consisted of 50 students who had taken Entrepreneurship courses and students who had been entrepreneurs. Sampling using a purposive sampling technique. The data source is primary data. Data collection was carried out through questionnaires. The measurement uses a Likert scale. The next stage, the results of the questionnaire were analyzed with multiple linear regression which serves to prove the research hypothesis. The data that has met the validity test, reliability test, and the classic assumption test are processed to produce a regression equation. Based on the results of the study showed that internal and external factors partially had a positive and significant effect on the entrepreneurial interest of STAI Muhammadiyah Tulungagung students. With an adjusted R2 value of 0.407 so the magnitude of the influence of internal and external factors on entrepreneurial interest is 40.7% while the remaining 59.3% is influenced by other factors not examined in this study.Keywords: Factors, Interests, Entrepreneurship, STAI Muhammadiyah Tulungagung

METHODOLOGY FOR CHOOSING THE ORGANIZATIONAL STRUCTURE OF ENTERPRISE MANAGEMENT

2020 ◽  
Vol 10 (9) ◽  
pp. 2003-2012
Author(s):  
O.V. Karpets ◽  
◽  
A.V. Sinitsyn ◽  
A.V. Firsova ◽  
◽  
...  
Keyword(s):  
Organizational Structure ◽  
Economic Activity ◽  
Organizational Structures ◽  
External Factors ◽  
Enterprise Management ◽  
Urgent Problem ◽  
Internal Factors ◽  
The Moment ◽  
Internal And External Factors

This article discusses the problem of choosing the correct and effective organizational structure of enterprise management for its correct functioning. The existing types of organizational structures of enterprise management, which are used in practice today, are analyzed, and their positive, negative sides and the type of enterprises for which they can be used are revealed. Along with this, this article discusses and describes methods for choosing an organizational structure for an enterprise. Also, during the study, internal and external factors were identified that affect the choice of an organizational structure. Based on the analysis, a methodology for choosing the most effective type of organizational structure for enterprises was drawn up. The question of choosing an organizational structure is acute for every manager at the very beginning of the operation of an enterprise, because the quality of performance of functions, both of individual divisions and of the entire enterprise as a whole, directly depends on this. Among many types of organizational structures in this study, the types of organizational structures that are most adaptable to changes in external and internal factors are identified. This study provides methods and tools for selecting the appropriate organizational structure for any enterprise. At the moment, some methods, be it goal structuring or computer modeling, are not widely used, which in turn makes it difficult to choose an effective organizational structure for enterprise management. The choice of an effective organizational structure is an extremely urgent problem today for every entrepreneur, who is interested in the stable economic activity of his or her enterprise.

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