scholarly journals ANALYSIS OF FACTORS INFLUENCING CONSUMER DECISIONS WHEN CHOOSING LIEN SERVICES AT PEGADAIAN PUBLIC CORPORATION IN EAST LOMBOK

2020 ◽  
Vol 1 (4) ◽  
pp. 535-543
Author(s):  
Handry Sudiarta Athar
Keyword(s):  
Interest Rate ◽  
Data Collection ◽  
Secondary Data ◽  
Self Esteem ◽  
Consumer Decisions ◽  
Descriptive Research ◽  
Five Factors ◽  
Credit Guarantees ◽  
Public Corporation ◽  
The Interest Rate

The aim of this study was to determine whether the interest rate variables, loan procedures, services, credit guarantees and facilities influence the customer's decision to pledge his goods at the Pegadaian Public Corporation in East Lombok. This research is a descriptive research with research location on the 23rd education road in Aikmel, East Lombok. The data collection method is a sample with a sample of 100 respondents, determined on the basis of unintended samples with the Slovenian formula. Techniques for data collection are observation and interview. Data collection tool is a questionnaire. The type of data used is quantitative data and qualitative data with data sources in the form of primary and secondary data. Based on the factor analysis, it has been found that out of the five factors investigated, four factors influence the customer's decision to pledge the goods, grouped into 3 core factors: the first factor has an own value of 1,703, a combination of variations in credit facilities and guarantees. The second factor has an eigenvalue of 1,022, in particular from the loan procedure variable. The third factor has an eigenvalue of 1.003, which is an interest rate variable. And the factor that has the greatest influence is the first factor because it has the highest self-esteem.

DETERMINAN INFLASI DI INDONESIA PERIODE 1980-2015

2016 ◽  
Vol 21 (1) ◽  
pp. 1-7
Author(s):  
Risna Risna
Keyword(s):  
Interest Rate ◽  
Interest Rates ◽  
Money Supply ◽  
Government Spending ◽  
Positive Impact ◽  
Secondary Data ◽  
Quantitative Approach ◽  
State Spending ◽  
Factors Affecting ◽  
The Interest Rate

This study aims to determine the effect of government spending, the money supply, the interest rate of Bank Indonesia against inflation.This study uses secondary data. Secondary data were obtained directly from the Central Bureau of Statistics and Bank Indonesia. It can be said that there are factors affecting inflationas government spending, money supply, and interest rates BI. The reseach uses a quantitative approach to methods of e-views in the data. The results of analysis of three variables show that state spending significantand positive impact on inflationin Indonesia, the money supply significantand negative to inflationin Indonesia, BI rate a significantand positive impact on inflation in Indonesia

scholarly journals The Impact of Interest Rate Ceilings on Microfinance Industry

2015 ◽  
Vol 2 (2) ◽  
pp. 10
Author(s):  
Ali Saleh Alshebami ◽  
D. M. Khandare
Keyword(s):  
Interest Rate ◽  
Interest Rates ◽  
Low Income ◽  
Secondary Data ◽  
Research Subject ◽  
Access To Credit ◽  
The Poor ◽  
Good Intention ◽  
The Interest Rate ◽  
The Impact

<p>Imposing ceilings on the interest rate has recently become one of the new hottest topics in microfinance industry; various debates have been discussing this issue to know the effect of interest rate ceilings on the supply of credit in particular and on microfinance industry in general. However in spite of the good intention behind these ceilings, there was no absolute result stating that ceilings have really contributed to the improvement or protection of the poor clients, indeed, these ceilings have hurt those low income people instead of helping them, due to these ceilings most of MFIs left the market or reduced their scale due to the inability to continue operating with low interest rate leaving the very poor clients without access to credit. Thus, the purpose of this paper is to review the impact of imposing such ceilings on the interest rates and to find out what alterative solutions can be employed as substitutes for them. This paper is entirely based on the secondary data collected from various records related to microfinance such as microfinance books, official websites and reports, published papers, and other sources related to the research subject.</p>

scholarly journals INFLASI DARI SUDUT PANDANG MONETER DAN FISKAL (STUDI KASUS SUMATERA BARAT)

2019 ◽  
Vol 1 (1) ◽  
pp. 131
Author(s):  
Zul Azhar ◽  
Alpon Satrianto ◽  
Nofitasari Nofitasari
Keyword(s):  
Interest Rate ◽  
Money Supply ◽  
Government Spending ◽  
Descriptive Research ◽  
Distributed Lag ◽  
Long Run ◽  
Negative Effect ◽  
Short Run ◽  
The Interest Rate ◽  
Positive Effect

This study aims to analyze the effect of money supply M2, interest rate, government spending and local tax on the inflation in West Sumatera. This type of research is descriptive research and secondary datain the form of time-series from quartely 1 2007 to 2017 quartely 4 using the method of Autoregresive Distributed Lag analysis. The results of this study indicate that money supply in the long run have a significant and positive effect on inflation West Sumatera. In the short run  and long run the interest rate has a significant and positive effect on inflation in West Sumatera. Government spending in the Long run has a significant and negative effect on inflation in West Sumatera. Based on the result of this study can be concluded that there is inflation in West Sumatera is monetery of phenomenon in the long run. 

scholarly journals Pengaruh Tingkat Suku Bunga, Inflasi Dan Nilai Kurs Terhadap Harga Saham Perusahaan Perhotelan Yang Terdaftar Di Bursa Efek Indonesia Per Triwulannya Periode 2016-2018

2021 ◽  
Vol 4 (2) ◽  
pp. 871-877
Author(s):  
Rahmat Dewa Bagas Nugraha ◽  
H.M Nursito
Keyword(s):  
Exchange Rate ◽  
Interest Rate ◽  
Exchange Rates ◽  
Interest Rates ◽  
Quantitative Study ◽  
Stock Prices ◽  
Stock Exchange ◽  
Secondary Data ◽  
Ratio Analysis ◽  
The Interest Rate

This study aims to determine and analyze the factors that affect stock prices through appropriate ratio analysis. As for the ratio of interest rates, inflation and exchange rates. Researchers want to know and analyze the effect partially or simultaneously between interest rates, inflation, and exchange rates on stock prices. This research is a quantitative study using secondary data. The object of this research is hotel companies listed on the Indonesia Stock Exchange for the period 2016-2018. The sample used in this study were 3 hotel with certain characteristics. The results of research simultaneously using the F test show that there is no influence between interest rates, inflation and exchange rates on stock prices because the calculated value is smaller than the table. Partially with the t test it can be concluded that there is no influence between interest rates on stock prices because the tcount value in the interest rate variable is smaller than the t table. Likewise, the t calculation of inflation and the exchange rate is smaller than the t table, so that there is no partial effect of the two variables on stock prices. Keywords: Stock Prices, Interest Rates, Inflation and Exchange Rates

scholarly journals Pengaruh Suku Bunga, Loan to Deposit Ratio (LDR) dan Pertumbuhan Kredit terhadap Inflasi di Indonesia

Jurnal Ecogen ◽  
2019 ◽  
Vol 1 (3) ◽  
pp. 557
Author(s):  
Putri Yeni ◽  
Syamsul Amar ◽  
Alpon Satrianto
Keyword(s):  
Time Series ◽  
Regression Analysis ◽  
Interest Rate ◽  
Interest Rates ◽  
Linear Regression Analysis ◽  
Secondary Data ◽  
Multiple Linear Regression Analysis ◽  
Credit Growth ◽  
Descriptive Research ◽  
Positive Effect

This study aims to analyze the influence of interest rates, Loan to Deposit Ratio (LDR) and credit growth to inflation in Indonesia. This type of research is descriptive research and uses secondary data in the form of time-series from 2007 to 2016 using the method of multiple linear regression analysis. The results of this study indicate that interest rates have a significant and positive effect on inflation in Indonesia. The Loan to Deposit Ratio (LDR) has a significant and positive effect on inflation in Indonesia. Credit growth has a significant and positive effect on inflation in Indonesia. Based on the results of this study it can be concluded that there is a significant influence between interest rates, Loan to Deposit Ratio (LDR) and credit growth to inflation in Indonesia. Keyword: Inflation, Interest Rate, Loan to Deposit Ratio (LDR), Credit Growth

scholarly journals Diskresi Hakim dalam Memutus Perkara Cerai Talak melalui Video Call pada Saat Pandemi Covid-19

2021 ◽  
Vol 1 (1) ◽  
pp. 1-5
Author(s):  
Annisa Sherin Millenia ◽  
Maman Abdurrahman ◽  
Ilham Mujahid
Keyword(s):  
Data Collection ◽  
Islamic Law ◽  
Attorney General ◽  
Secondary Data ◽  
Descriptive Research ◽  
Library Research ◽  
Principle Of Justice

Abstract. Research in this thesis is a type of descriptive research. The data used in this study is secondary data with primary legal material in the form of Al-Qur'anul Karim, Compilation of Islamic Law, Law No. 1 of 1974, Law No. 48 of 2009 on the Power of Justice. While the approach the author uses is juridical normative. The author uses data collection techniques or library research in accordance with PERMA No. 1 Year 2019 on The Administration of Cases and Hearings in the Court conducted electronically, however, the facts that occurred, the absence of the respondent at the court on the grounds that the existence of PSBB, although the call has been made officially and appropriately. In the examination of the Respondent from the attorney general the applicant submits an application to the panel of judges to continue the trial and examine the respondent via video call. The results of this study showed that the discretion of the Judge in deciding the divorce lawsuit through a video call in the Brass Religious Court, the judge prioritized the principle of justice and efficacy for the community, especially to the litigants. Abstrak. Penelitian dalam skripsi ini merupakan jenis penelitian deskriptif. Data yang digunakan dalam penelitian ini adalah data sekunder dengan bahan hukum primer berupa Al-Qur’anul Karim, Kompilasi Hukum Islam, Undang-undang No. 1 Tahun 1974, Undang-Undang No. 48 Tahun 2009 tentang Kekuasaan Kehakiman. Sementara pendekatan yang penulis gunakan adalah yuridis normatif. Penulis menggunakan teknik pengumpulan data atau library research Sesuai dengan PERMA No. 1 Tahun 2019 tentang Adminsitrasi Perkara dan Persidangan di Pengadilan dilakukan secara elektronik, Namun, Fakta yang terjadi, ketidakhadiran dari termohon di persidangan dengan alasan saat itu adanya PSBB, meskipun telah dilakukan panggilan secara resmi dan patut. Dalam pemeriksaan Termohon dari kuasa hukum pemohon mengajukan permohonan kepada majelis hakim untuk tetap melanjutkan persidangan dan memeriksa pihak termohon melalui video call. Hasil penelitian ini menunjukkan bahwa diskresi Hakim dalam memutus perkara gugatan cerai talak melalui video call di Pengadilan Agama Kuningan, hakim mengutamakan asas keadilan dan kemanfatan bagi masyarakat, khususnya kepada pihak yang berperkara.

scholarly journals ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PENYALURAN PENGARUH TINGKAT SUKU BUNGA, NISBAH BAGI HASIL DEPOSITOMUDHARABAH, DAN PERTUMBUHAN EKONOMI TERHADAPPERTUMBUHAN DEPOSITO MUDHARABAH DI BANK SYARIAH MANDIRI PERIODE 2006:01-2011:12

Media Ekonomi ◽  
2017 ◽  
Vol 20 (3) ◽  
pp. 73
Author(s):  
Iqra Aulia
Keyword(s):  
Interest Rate ◽  
Unit Root Test ◽  
Secondary Data ◽  
Dynamic Impact ◽  
Causality Test ◽  
Var Analysis ◽  
Disturbance Factor ◽  
Vector Auto Regression ◽  
The Interest Rate ◽  
Auto Regression

<p>Vector Auto Regression (VAR) is an analysis or statistic method which can be used to predict time series variable and to analyst dynamic impact of disturbance factor in the variable system. In addition, VAR analysis is very usefull to assess the interrelationship between economics variable. This research through the following test phases: unit root test, optimal lag test, granger causality test, and form a vector auto regression model (VAR). The data used in this research is interest rate (i), profit low sharing of mudharabah deposits (nBH), economic growth (gGDP, growth of mudharabah deposits volume (gVM) in the period 2006:01-2011:12. The effectiveness was measured by two indicators. This study used secondary data issued by Syariah Mandiri Bank &amp; Bank Indonesia. The result of the study shows that response velocity of variable in growth of mudharabah deposits volume (gVM) towards shock instrument of interest rate(i) until reach the final target about 4 months. Thus we can conclude that growth of mudharabah deosits volume through Interest Rate is not effective in Indonesia period of 2006:01-2011:12. Keyword: Vector Auto Regression (VAR), growth of mudharabah deposits volume (gVM), The Interest Rate.</p>

scholarly journals Community Participation Level in Development of Keseneng Tourism Village

2019 ◽  
Vol 2 (2) ◽  
pp. 376-386
Author(s):  
Adnan Abdul Safii ◽  
Amin Pujiati
Keyword(s):  
Data Collection ◽  
Community Participation ◽  
Case Study Research ◽  
Secondary Data ◽  
Skills Training ◽  
Descriptive Research ◽  
Inhibiting Factors ◽  
Participation Level ◽  
Qualitative Descriptive ◽  
The Government

This research aims to identify the level of community participation in the development of Keseneng Tourism Village, to know the inhibiting factors in the development of tourism villages, and to identify efforts to overcome obstacles to increase the participation of the Keseneng Village community. The design in this study is a case study research with a type of qualitative descriptive research. The data used are primary and secondary data. Data collection techniques used are observation, interviews and documentation. The data validity technique uses triangulation techniques. Trianggulation technique means using different data collection techniques to get data from the same source. The results showed that the level of community participation in the development of the Keseneng Tourism Village using the Arnstein ladder was in the stage of Placatation. Participation in the threatening stage means that the communication made by the community and the government has been done well. The community also has the opportunity to place its representatives in the development of Keseneng Tourism Village activities. The inhibiting factors in the development of Keseneng Tourism Village are lack of funding, quality of Human Resources, knowledge and insights of the community regarding tourism villages, and incomplete facilities and infrastructure. Efforts are being made to overcome obstacles by disseminating tourism, providing skills training, fostering tourism villages, participating in marketing and publishing Keseneng Tourism Village, as well as comparative studies to other tourist villages. Penelitian ini bertujuan untuk mengidentifikasi tingkat partisipasi masyarakat dalam pengembangan Desa Wisata Keseneng, mengetahui faktor penghambat dalam pengembangan desa wisata, serta mengetahui upaya dalam mengatasi hambatan untuk meningkatkan partisipasi masyarakat Desa Keseneng. Desain dalam penelitian ini adalah penelitian studi kasus dengan jenis penelitian deskriptif kualitatif. Data yang digunakan adalah data primer dan sekunder. Teknik pengumpulan data yang digunakan adalah observasi, wawancara serta dokumentasi. Teknik keabsahan data menggunakan trianggulasi teknik. Hasil penelitian menunjukkan bahwa tingkat partisipasi masyarakat pengembangan Desa Wisata Keseneng menggunakan tangga Arnstein berada pada tahap Penentraman (Placatation). Partisipasi tahap Penetraman berarti bahwa komunikasi yang dilakukan masyarakat dan pemerintah telah dilakukan dengan baik. Masyarakat juga memiliki kesempatan untuk menempatkan perwakilannya dalam kegiatan pengembangan Desa Wisata Keseneng. Faktor penghambat dalam pengembangan Desa Wisata Keseneng yaitu kurangnya pendanaan, kualitas Sumber Daya Manusia, pengetahuan dan wawasan masyarakat mengenai desa wisata, serta sarana dan prasarana belum lengkap. Upaya yang dilakukan  masyarakat dan pemerintah untuk mengatasi hambatan dengan melakukan sosialisasi kepariwisataan, memberikan pelatihan keterampilan, pembinaan desa wisata, ikut memasarkan dan mempublikasikan Desa Wisata Keseneng, serta studi banding ke desa wisata lain.  

scholarly journals Pembinaan karakter nasionalisme melalui pembiasaan menyanyikan lagu kebangsaan pra pembelajaran di SMPN 2 Megaluh Kabupaten Jombang

2021 ◽  
Vol 1 (2) ◽  
pp. 160-172
Author(s):  
Meylina Tria Ambarwati ◽  
Yuniastuti Yuniastuti ◽  
Desinta Dwi Rapita
Keyword(s):  
Data Collection ◽  
Secondary Data ◽  
Data Sources ◽  
National Anthem ◽  
Descriptive Research ◽  
New Speakers ◽  
Secondary Data Sources ◽  
Character Building ◽  
Research Type ◽  
Made In

This study is based on the eroding sense of nationalism that is increasingly fading among the younger generation that makes the planting of nationalism values in the world of education is now beginning to be improved. This study aims to know the development of nationalism character, supporting factors, obstacles experienced, and how to overcome the obstacles experienced in the application of nationalism character building through habituation singing the pre-learning national anthem. This study uses qualitative approach with descriptive research type. The data sources used in this study are primary and secondary data sources. The data collection techniques in this study used non-participant observations, interviews, and documentation. Data analysis in this study was conducted by data collection. reduction of data, presentation of data, and withdrawal of conclusions. The implementation of singing the national anthem of Indonesia Raya to foster the character of nationalism in students at SMP Negeri 2 Megaluh is in accordance with Permendikbud No.21 Year 2015 on the Rules of The First Day of School Admission. The supporting factor in the development of nationalism character through habituation to sing the pre-learning national anthem at SMP Negeri 2 Megaluh is the existence of adequate facilities. The obstacles owned by SMP Negeri 2 Megaluh in carrying out the policy of singing the national anthem of Indonesia Raya to foster the character of nationalism in students are the lack of seriousness of students, speakers that do not function properly, and the lack of strict sanctions. The efforts that will be made in overcoming the obstacles of fostering the character of nationalism through habituation to sing the pre-learning national anthem at SMP Negeri 2 Megaluh are to reward, buy some new speakers, and give a reprimand to teachers who are less assertive. Kajian ini didasarkan atas terkikisnya rasa nasionalisme yang semakin lama semakin memudar dikalangan generasi muda yang membuat penanaman nilai-nilai nasionalisme dalam dunia pendidikan sekarang ini mulai ditingkatkan. Pendidikan karakter nasionalisme menjadi langkah efektif untuk membangun rasa semangat nasionalisme para generasi muda. Kajian ini bertujuan mengetahui pembinaan karakter nasionalisme, faktor pendukung, kendala yang dialami, dan cara mengatasi kendala yang dialami dalam penerapan pembinaan karakter nasionalisme melalui pembiasaan menyanyikan lagu kebangsaan pra pembelajaran. Kajian ini menggunakan pendekatan kualitatif dengan jenis penelitian deskriptif. Sumber data yang digunakan dalam kajian ini adalah sumber data primer dan sekunder. Teknik pengumpulan data pada kajian ini menggunakan observasi non partisipan, wawancara, dan dokumentasi. Analisis data dalam kajian ini dilakukan dengan pengumpulan data. reduksi data, penyajian data, dan penarikan kesimpulan. Pelaksanaan menyanyikan lagu kebangsaan Indonesia Raya untuk menumbuhkan karakter nasionalisme dalam diri peserta didik di SMP Negeri 2 Megaluh sudah sesuai dengan Permendikbud No.21 Tahun 2015 tentang Aturan Hari Pertama Masuk Sekolah. Faktor pendukung dalam pembinaan karakter nasionalisme melalui pembiasaan menyanyikan lagu kebangsaan pra pembelajaran di SMP Negeri 2 Megaluh adalah dengan adanya fasilitas yang sudah memadai. Kendala yang dimiliki oleh SMP Negeri 2 Megaluh dalam melaksanakan kebijakan menyanyikan lagu kebangsaan Indonesia Raya untuk menumbuhkan karakter nasionalisme dalam diri peserta didik adalah kurangnya kesungguhan siswa, speaker yang tidak berfungsi dengan baik, dan kurangnya sanksi tegas. Upaya yang akan dilakukan dalam mengatasi kendala pembinaan karakter nasionalisme melalui pembiasaan menyanyikan lagu kebangsaan pra pembelajaran di SMP Negeri 2 Megaluh adalah memberikan reward, membeli beberapa speaker baru, dan memberikan teguran kepada guru yang kurang tegas.

scholarly journals Determinan Suku Bunga dan Likuiditas Bank Terhadap Pertumbuhan Kredit di Indonesia

Jurnal Ecogen ◽  
2020 ◽  
Vol 3 (2) ◽  
pp. 200
Author(s):  
Yeniwati Yeniwati
Keyword(s):  
Interest Rate ◽  
Interest Rates ◽  
Commercial Banks ◽  
Secondary Data ◽  
Least Square ◽  
Bank Credit ◽  
Credit Growth ◽  
Ordinary Least Square ◽  
Banking Community ◽  
The Interest Rate

This study aims to determine the effect of the interest rate (BI rate) on bank credit growth in Indonesia, liquidity on bank credit growth in Indonesia and determine the effect of interest rates and liquidity on bank credit growth in Indonesia. The method used in this study is Ordinary Least Square (OLS) using secondary data from 2009 Quarter I to 2018 Quarter IV. The results of the analysis showed that there was an influence between interest rates on bank credit growth in Indonesia, there was an influence between liquidity on bank credit growth in Indonesia. Together there is an influence between interest rates and bank liquidity on the growth of bank credit in Indonesia. The policy implication of this research is that Bank Indonesia must maintain the benchmark interest rate set in order to trigger an increase in bank credit growth. In addition, Bank Indonesia must monitor the liquidity of commercial banks in Indonesia so that the trust of the banking community is even greaterKeywords : interest rate, Liquidity, Credit

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