scholarly journals Intellectual Capital and Risk Management to Overcome Non Performing Loans

2021 ◽  
Vol 19 (1) ◽  
pp. 63-73
Author(s):  
Fika Azmi ◽  
Pratomo Cahyo Kurniawan
Keyword(s):  
Risk Management ◽  
Regression Analysis ◽  
Data Analysis ◽  
Intellectual Capital ◽  
Financial Services ◽  
Sampling Method ◽  
Business Activity ◽  
Optimal Management ◽  
Negative Effect ◽  
The Relationship

The implementation of risk management is an obligation that must be carried out by rural banks in every business activity in accordance with Financial Services Authority regulation 13/OJK.03/2015. This study aims to examine whether the implementation of risk management can strengthen or weaken the effect of intellectual capital on non-performing loans. The sampling method used the saturated method and obtained data of 26 research samples. The selected respondents were the leaders of the rural banks in Semarang City. Data analysis using Moderated Regression Analysis (MRA) shows that intellectual capital has a negative effect to non-performing loans. Furthermore, the implementation of risk management strengthens the relationship between intellectual capital and non-performing loans. This means that optimal management of intellectual capital and supported by effective risk management will reduce non-performing loans

scholarly journals The Effect of Loan and Intellectual Capital on Profitability with Credit Risk as Moderating

2019 ◽  
Vol 15 (2) ◽  
pp. 159-171
Author(s):  
Eria Latifalia Erzha ◽  
Made Sudarma ◽  
Aulia Fuad Rahman
Keyword(s):  
Regression Analysis ◽  
Data Analysis ◽  
Credit Risk ◽  
Intellectual Capital ◽  
Sample Selection ◽  
Moderating Effects ◽  
Selection Technique ◽  
Purposive Sampling ◽  
The Relationship ◽  
Positive Effect

Abstract: This study aims to examine and empirically prove the moderating effects of credit risk on the relationship between the loan and intellectual capital with profitability. The sample selection technique uses purposive sampling, and data analysis uses moderated regression analysis. The result shows that loan has a positive effect on profitability, intellectual capital has positive effect on profitability, and credit risk moderates the effect of loan and intellectual capital on profitability. Keywords: loan, intellectual capital, credit risk, bank profitability.Pengaruh Pinjaman dan Modal Intelektual Terhadap Profitabilitas dengan Risiko Kredit sebagai PemoderasiAbstrak: Penelitian ini bertujuan untuk menguji dan membuktikan secara empiris efek moderasi risiko kredit terhadap hubungan pinjaman (loan) dan intellectual capital dengan profitabilitas. Teknik pemilihan sampel menggunakan metode purposive sampling dan analisis data menggunakan moderated regression analysis. Hasil penelitian menunjukkan bahwa pinjaman berpengaruh positif terhadap profitabilitas, intellectual capital berpengaruh positif terhadap profitabilitas, dan risiko kredit memoderasi pengaruh pinjaman dan intellectual capital terhadap profitabilitas. Kata Kunci: pinjaman, loan, intellectual capital, risiko kredit, profitabilitas bank.

scholarly journals PENGARUH INTELLECTUAL CAPITAL DAN RATA – RATA PERTUMBUHANNYA (ROGIC) TERHADAP KINERJA BANK SYARIAH BERDASARKAN ISLAMICITY PERFORMANCE INDEX DI INDONESIA

2021 ◽  
Vol 16 (1) ◽  
pp. 54-68
Author(s):  
Sasiska Rani ◽  
Martha Rianty N
Keyword(s):  
Regression Analysis ◽  
Data Analysis ◽  
Intellectual Capital ◽  
Performance Index ◽  
Sampling Technique ◽  
Profit Sharing ◽  
Average Growth ◽  
Analysis Techniques ◽  
Negative Effect ◽  
Positive Effect

This study examines the effect of intellectual capital and the average growth intellectual capital (ROGIC) on the performance of Syariah Banks based on the Islamicity Performance Index in Indonesia. The Islamicity Performance Index in this study is proxied by the Profit Sharing Ratio (PSR). The sample obtained was based on the purposive sampling technique in this study, namely 10 Syairah Banks from 2015 - 2019. This study used data analysis techniques in the form of multiple regression analysis. The results show that there is a negative effect between intellectual capital on the Islamicity Performance Index, which is proxied by the Profit Sharing Ratio (PSR). The average growth of intellectual capital (ROGIC) has a positive effect on the Islamicity Performance Index, which is proxied by the Profit Sharing Ratio (PSR).

scholarly journals PENGARUH SUASANA TOKO DAN LOKASI TERHADAP MINAT BELI KONSUMEN PADA MINI MARKET XMART ULAK KARANG PADANG

2019 ◽  
Author(s):  
MUHAMMAD HUSNI HANDRI ◽  
jhon fernos
Keyword(s):  
Regression Analysis ◽  
Data Analysis ◽  
Sampling Method ◽  
Linear Regression Analysis ◽  
Sampling Technique ◽  
Multiple Linear Regression Analysis ◽  
Analysis Techniques ◽  
Independent Variables ◽  
Negative Effect ◽  
Positive Effect

ABSTRACTThis study aims to determine the effect of store atmosphere and location on consumers' buying interest in the XMART mini market of Padang Padang. The sample used is 100 consumers, the sampling technique uses saturated sampling method. Data collection used a questionnaire, while data analysis techniques were performed using multiple linear regression analysis. The results showed that the store atmosphere variable had a positive effect (4,527 > 1,6772) and significant (0,000 <0,05) on consumer buying interest. Location variables have a negative effect (-0,079) < (1,6772) and are not significant (0,937 > 0,05) to consumer buying interest. From this research, the R2 value is 0,244, it means that 24,4% of consumers' buying interest can be explained by the independent variables, namely the store atmosphere and location and the remaining 74,3% is explained by other variables.

scholarly journals The The Effect Of Profitability, Size And Liquidity on Firm Value in Consumer Goods Industry Listed on The Indonesia Stock Exchange (IDX)

2021 ◽  
Vol 2 (2) ◽  
pp. 092-106
Author(s):  
Candra Kurnia Saputri ◽  
Axel Giovanni
Keyword(s):  
Regression Analysis ◽  
Data Analysis ◽  
Consumer Goods ◽  
Firm Value ◽  
Sampling Method ◽  
Stock Exchange ◽  
Industry Sector ◽  
Analysis Technique ◽  
Consumer Goods Industry ◽  
The Relationship

This research was conducted with the aim of knowing the effect between profitability, size  and liquidity on firm value in consumer goods industry sector companies listed on the Indonesia Stock Exchange (IDX) from 2014 to 2018. This research was conducted because there are still differences in research results and  there is fluctuation in the value of the company in the consumer goods industry sector companies listed on the Indonesia Stock Exchange.  The population used in this study were companies in the consumer goods industry listed on the IDX in the 2014 - 2018 period. While the sample used in this study were 37 companies in the consumer goods industry sector which were selected using the purposive sampling method.  The data analysis technique used is multiple regression analysis in order to determine the relationship between variables.  The results of this study indicate that profitability, size and liquidity simultaneously have an influence on firm value.  Partially profitability has a positive and significant effect on firm value, size has no effect on firm value and liquidity has a negative and significant effect on firm value.

scholarly journals RISK MANAGEMENT AND BANKING PERFORMANCE WITH CORPORATE GOVERNANCE AS MODERATING VARIABLE

2021 ◽  
pp. 276
Author(s):  
Santi Hikmawati ◽  
Sutrisno Sutrisno
Keyword(s):  
Risk Management ◽  
Corporate Governance ◽  
Regression Analysis ◽  
Financial Performance ◽  
Sampling Method ◽  
Linear Regression Analysis ◽  
Control Variable ◽  
Multiple Linear Regression Analysis ◽  
Independent Variables ◽  
The Relationship

This research aims to analyze the effect of risk management on bank financial performance with corporate governance as a moderating variable. The independent variables used in this research are risk management, consist of credit risk (NPL), liquidity risk (LDR), and operating risk (OEIR). The dependent variable used is financial performance (ROA). Meanwhile, corporate governance as a moderating variable and firm size as a control variable. The regression model used are multiple linear regression analysis and moderated regression analysis. The sample was selected through purposive sampling method and 43 banks were selected as research sample. The result of this research showed that NPL and OEIR have a negative and significant impact on financial performance. Meanwhile, LDR has not significant effect on financial performance. Corporate governance was able to moderate the relationship between NPL and OEIR on financial performance, but unable to moderate the relationship between LDR on financial performance.

scholarly journals Peran Customer Delight Memoderasi Esteem Needs terhadap Niat Beli

2017 ◽  
Vol 7 (2) ◽  
pp. 847
Author(s):  
Cokorda Istri Agung Vera Nindiaputri ◽  
Ida Bagus Sudiksa
Keyword(s):  
Regression Analysis ◽  
Data Analysis ◽  
Sample Size ◽  
Sampling Method ◽  
Purchase Intentions ◽  
Analysis Technique ◽  
Customer Delight ◽  
Relationship Of ◽  
The Relationship

The purpose of this study is to analyze the role of customer delight in moderating esteem needs to consumer purchase intentions (study on Guess products). This research was conducted in Bali Province with data analysis technique of Moderation Regression Analysis (MRA). Sample size obtained by using purposive sampling method as much as 100 respondents. Based on the results of the analysis can be stated that the esteem needs and customer delight directly affect the consumer's buying intentions on Guess products. Customer delight proved to moderate the relationship of esteem needs to consumers' buying intentions on Guess products. Recommendations that can be recommended for manufacturers Guess should pay attention to the position and views of consumers will use a Guess product to be an inspiration and improve the esteem needs among the community. Guess must be correct in providing information about the advantages over Guess products so that consumers feel comfortable, confident interested and really Guess as a product that is sought and needed.

scholarly journals Analisis Faktor-Faktor yang Mempengaruhi Kebijakan Hutang

2020 ◽  
Vol 5 (2) ◽  
pp. 83
Author(s):  
Suci Meta Saputri ◽  
Widi Hariyanti ◽  
Yunus Harjito
Keyword(s):  
Regression Analysis ◽  
Data Analysis ◽  
Sampling Method ◽  
Panel Data Regression ◽  
Analysis Technique ◽  
Data Regression ◽  
Negative Effect ◽  
Company Growth ◽  
Debt Policy ◽  
Positive Effect

This study aims to analyze the effect of profitability, liquidity, asset structure and company growth on debt policy. The sample in this study amounted to 490 samples obtained from 98 companies for 5 years with purposive sampling method. The data analysis technique used in this research is panel data regression analysis technique which is processed using Eviews 9 software.The results show that profitability and liquidity have a negative effect on debt policy, while asset structure has no effect on debt policy, and company growth has a positive effect on debt policy. debt policy.

scholarly journals Social Support, Academic Satisfaction, and Student Drop Out Tendency/ Dukungan Sosial, Academic Satisfaction, dan Kecenderungan Drop Out pada Mahasiswa

2021 ◽  
Vol 18 (1) ◽  
pp. 174-187
Author(s):  
Airlangga Wicaksono Abdullah ◽  
Abdul Muhid
Keyword(s):  
Social Support ◽  
Regression Analysis ◽  
Random Sampling ◽  
Sampling Method ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Drop Out ◽  
Academic Satisfaction ◽  
Negative Effect ◽  
The Relationship

Abstract: The purpose of carrying out this research is to determine the relationship between social support and academic satisfaction with the tendency to drop out of students at UIN Sunan Ampel Surabaya. This research uses correlational quantitative method. Researchers used a Likert scale to measure social support and academic satisfaction with the tendency to drop out of students. With 135 subjects from a total population of 4467 students, researchers used the random sampling method to obtain the research sample. The data collection method used was a gform questionnaire (questionnaire). The method used to test the hypothesis is multiple linear regression analysis. The results of the regression analysis show that social support has no effect on the tendency to drop out. while academic satisfaction has a negative effect on the tendency to drop out.Keywords: Social Support; Academic Satisfaction; The Trend of Drop OutAbstrak: Tujuan dari dilaksanakannya penelitian ini adalah untuk mengetahui hubungan antara dukungan sosial dan academic satisfaction dengan kecenderungan drop out pada mahasiswa UIN Sunan Ampel Surabaya. Penelitian ini menggunakan metode kuantitatif korelasional. Peneliti menggunakan skala likert untuk mengukur dukungan sosial dan academic satisfaction terhadap kecenderungan drop out pada mahasiswa. Dengan subjek berjumlah 135 dari total populasi 4467 mahasiswa, peneliti menggunakan metode random sampling untuk mendapatkan sampel penelitian. Metode pengumpulan data yang digunakan adalah angket google form (kuesioner). Metode yang digunakan untuk uji hipotesis adalah analisis regresi linear berganda. Hasil analisis regresi menunjukan bahwa dukungan sosial tidak memiliki pengaruh terhadap kecenderungan drop out, sedangakan academic satisfaction memiliki pengaruh negatif terhadap kecenderungan drop out.Kata kunci: Dukungan Sosial; Kepuasan Akademik; Kecenderungan Drop Out

scholarly journals PENGARUH PARTISIPASI ANGGARAN TERHADAP SLACK ANGGARAN DENGAN PENEKANAN ANGGARAN DAN KETIDAKPASTIAN LINGKUNGAN SEBAGAI VARIABEL MODERATING (SURVEI PADA HOTEL BERBINTANG DI KOTA BOGOR)

2018 ◽  
Vol 4 (1) ◽  
pp. 35
Author(s):  
Indra Cahya Kusuma ◽  
Hendri Hidayat
Keyword(s):  
Regression Analysis ◽  
Multiple Regression Analysis ◽  
Multiple Regression ◽  
Quantitative Method ◽  
Sampling Method ◽  
Luxury Hotels ◽  
Negative Effect ◽  
Relationship Of ◽  
The Relationship ◽  
The City

This study aimed to examine the effect of budget participation on slack budgetary with budget emphasisand the uncertainty of the environment as moderating variable on the luxury hotels in the city of Bogor.Designs in this research is quantitative method with the approach of causality or causal. This research isusing purposive sampling method, the number of samples in this study were 48 respondents. Methods ofdata analysis using multiple regression analysis by SPSS 20.0 software program.The results shows thatbudget participation give negative effect and significant on the budget slack and environmental uncertaintymoderating (strengthening) the relationship of participation to the slack budget. while budget emphasis onthe research is not a moderating variable. Simultaneously budget participation, budget emphasis andenvironmental uncertainty had a significant effects on the slack budget.

scholarly journals STRUKTUR KEPEMILIKAN, KEBIJAKAN HUTANG DAN NILAI PERUSAHAAN : KEBIJAKAN DIVIDEN SEBAGAI VARIABEL MODERATING

2020 ◽  
Vol 1 (1) ◽  
pp. 68-88
Author(s):  
Eka Mira Rismayanti ◽  
Yusralaini ◽  
Devi Safitri
Keyword(s):  
Regression Analysis ◽  
Firm Value ◽  
Sampling Method ◽  
Dividend Policy ◽  
Institutional Ownership ◽  
Managerial Ownership ◽  
Analysis Method ◽  
Negative Effect ◽  
The Relationship ◽  
Debt Policy

The purpose of this research were to analyze the effect of managerial ownership, institutional ownership and debt policy of the fims value with dividend policy as moderation. Population on this research is all companies listed in IDX 2015-2017. This research sample selected by using the purposive sampling method, there are 228 sample. The analysis method of this research is multiple regression analysis and moderated regression analysis while hypothesis tested by using SPSS 25. The result of this research shows that: managerial ownership has negative effect on firm value. Institutional ownership has an effect on firm value. Debt policy has no effect on firm value. Dividend policy is able to moderated the relationship between managerial ownership and firm value. Dividend policy is able to moderated the relationship between institutional ownership and firm value. Dividend policy is not able to moderated the relationship between debt policy and firm value.

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