scholarly journals DAMPAK KRISIS GLOBAL TERHADAP NON PERFORMING LOAN BANK DEVISA NASIONAL

2016 ◽  
Vol 4 (2) ◽  
pp. 81
Author(s):  
Suharyono Suharyono ◽  
Teguh Widodo
Keyword(s):  
Key Words ◽  
Foreign Exchange ◽  
T Test ◽  
Global Crisis ◽  
Significant Difference ◽  
Before And After ◽  
Composite Rating ◽  
The Impact

Abstract: The global crisis has resulted non performing loan (NPL) increased. The measurement of the banks non performing loan ratio is applicable to assess the composite rating of a bank, as the impact of the global crisis toward non performing loan of foreign exchange banks. This study aimed to determine whether there was significant difference between foreign exchange banks non- performing loan before and after the global crisis. The Bank’s non performing loans   was measured by comparing the Non-Performing Loan to the total credit. The population of this study was 35 foreign exchange  banks.   The Hypothesis was tested by using Mann Whitney  different test and Independent Sample T Test. The research of this study showed that non performing loan of foreign exchange banks before, during, and after global crisis did not have significant difference. Key words: NPL, Bank, Foreign Exchange, Crisis, global.

scholarly journals DAMPAK KRISIS GLOBAL TERHADAP LIKUIDITAS BANK DEVISA NASIONAL

2015 ◽  
Vol 3 (2) ◽  
pp. 96
Author(s):  
Suharyono Suharyono
Keyword(s):  
Key Words ◽  
Foreign Exchange ◽  
Global Crisis ◽  
Significant Difference ◽  
Before And After ◽  
Composite Rating ◽  
The Impact ◽  
Non Parametric

Abstract: The global crisis has led banks experienced liquidity problems. The measurement of banks' liquidity ratios is useful to assess the composite rating of a bank, as the impact of the global crisis toward the liquidity of foreign exchange banks. This study aimed to determine whether there was significant difference between the liquidity of foreign exchange banks before and after the global crisis. The Bank’s liquidity was measured using liquidity ratios by comparing current assets to current liabilities. The population of this study was 35 foreign exchange banks.  The  hypothesis  was  tested  by  using  Mann  Whitney  non-parametric different-test. The research of this study showed that the liquidity of foreign exchange  banks  before  and  during  global  crisis  had  a  significant  difference. While, the foreign exchange banks liquidity during and after the global crisis, and its liquidity before and after the global crisis did not have significant difference. Key words: Liquidity, bank, foreign exchange, crisis, global.

scholarly journals DAMPAK PENERAPAN PP NOMOR 46 TAHUN 2013 ATAS PEMBAYARAN PAJAK OLEH WAJIB PAJAK KPP PRATAMA MANADO

2015 ◽  
Vol 6 (2) ◽  
Author(s):  
Yuli Rawun ◽  
Agus T. Poputra ◽  
Lintje Kalangi
Keyword(s):  
Income Tax ◽  
Government Regulation ◽  
T Test ◽  
Paired Sample ◽  
Significant Difference ◽  
Before And After ◽  
The Government ◽  
Tax Payments ◽  
The Impact ◽  
Year 2013

In an effort to increase voluntary compliance with tax obligations and encourage the contribution of revenues from the UMKM sector, the Government has issued Government Regulation No. 46 2013. The new Tax Regulation has the advantage of rates that are used less than the previous fare, ie 1% of gross turnover.Regulation No. 46 2013 taxpayer applies for personal and / or agency that has a certain gross income, ie income less than 4.8 M. The aim of this study was to analyze the impact of adoption of Government Regulation No. 46 2013 of Paying Income Tax by Taxpayers at KPP Pratama Manado. The analytical method used is using two different test samples / dependent groups (paired) or Paired Sample T Test. Paired Sample t test course used when the two groups are interconnected. Two paired sample means a sample with the same subject but have two different treatments or measurements of, for example, before and after. Results of this study indicate that there is a difference between before and after the enactment of Government Regulation No. 46 Year 2013, but the difference that causes a decrease in the amount of tax paid by individual taxpayers who use the recording but for individual taxpayers who use the books there is no significant difference. As for corporate taxpayers that difference causes an increase on the amount of income tax payments by using final tax. Thus the application of Regulation No. 46 Year 2013 needs to be socialized again to taxpayers who are not registered in the KPP Pratama Manado in order to increase the amount of income tax payments.

scholarly journals Perbandingan Financial Distress Bank Syariah Di Indonesia Dan Bank Islam Di Malaysia Sebelum Dan Sesudah Krisis Global 2008 Menggunakan Model Altman ZScore

2017 ◽  
Vol 3 (11) ◽  
pp. 900
Author(s):  
Siti Zulaikah ◽  
Nisful Laila
Keyword(s):  
Financial Distress ◽  
Quantitative Method ◽  
T Test ◽  
Islamic Banks ◽  
Z Score ◽  
Global Crisis ◽  
Significance Level ◽  
Purposive Sampling ◽  
Significant Difference ◽  
Before And After

This study aims to find out the comparison between the prediction of financial distress of Islamic Banks in Indonesia and that of Islamic Banks in Malaysia before and after the global crisis 2008 using quantitative method and purposive sampling. The prediction of financial distress was done by using Altman Z-score measuring. The technique used to examine the financial distress is Mann-Whitney, and for those after the crisis were examined using Independent sample T-test. The result of this research shows that there is a significant difference between Islamic banks in Indonesia and those in Malaysia either before or after the global crisis 2008 with 5% significance level. The Islamic banks in Indonesia are in secure zone either before or after the crisis. However, the Islamic banks in Malaysia are in grey areawhich cannot be made sure of the bankruptcy either before or after the crisis.

scholarly journals THE IMPACT OF IFRS ADOPTION ON EARNINGS MANAGEMENT IN BANKING COMPANIES IN INDONESIA STOCK EXCHANGE

2016 ◽  
Vol 13 (2) ◽  
pp. 176
Author(s):  
Prima Santy ◽  
Tawakkal Tawakkal ◽  
Grace T. Pontoh
Keyword(s):  
Earnings Management ◽  
Stock Exchange ◽  
Research Result ◽  
Control Variable ◽  
T Test ◽  
Test Analysis ◽  
Ifrs Adoption ◽  
Significant Difference ◽  
Before And After ◽  
The Impact

The issue of the IFRSadoption as a standard that can lead to a reduction of earnings management. The research aimed to give empirical evidence concerning the impact of the IFRS adoption on earnings management, and the test of the difference level of earnings management between before and after the IFRS adoption. The research scope focused on the implementation of IFRS adoption particularly in PSAK No. 50 and PSAK No. 55 (revised 2006) concerningfinancial instruments. The research objects were the banking companies listed in Indonesia Stock Exchange for 4 years (2008-2011), i.e. as many as 23 banks. Samples were taken by using the purposive sampling technique. The main variables in this research are IFRS and earnings management,and includes several control variable, among others are, size, financial leverage, market to book value and institutional investors. The data were analyzed usingmultiple regression analysis and different t-test analysis. The research result indicates that the IFRS adoption has not effect the decreaseon the earnings management.Among the four control variables, the variable institutional investor is found not to have theeffect on earnings management, whereas the other three variables haveeffect.The result of the different t-test analysis also indicates that statistically there is not significant difference on the level of the earnings management between before and after IFRS adoption. Thus, based on this study concluded that the adoption of IFRS still allow for the occurrence of earnings management.

scholarly journals The Impact of Peer-to-Peer (P2P) Lending on Business Development of Small and Medium-Sized Enterprises

2021 ◽  
Vol 5 (2) ◽  
pp. 201
Author(s):  
Rindah Febriana Suryawati ◽  
Duhita Paramaramya Putri Nurdana
Keyword(s):  
Financial Institution ◽  
Peer To Peer ◽  
T Test ◽  
Least Square ◽  
Significant Difference ◽  
Before And After ◽  
P2p Lending ◽  
Peer Lending ◽  
The Impact ◽  
Paired T Test

The problem faced by most micro-entrepreneurs in Indonesia is financing business. Peer-to-peer (P2P) lending is a non-bank financial institution that can be an alternative source of financing because of the requirements and easy application usage. This study aims to analyze the impact of peer-to-peer lending on business expenses, business turnover, total employment, total sales of products, and profits before and after obtaining a peer-to-peer lending loan and analyze factors affecting the increase in business turnover after getting a loan through peer-to-peer lending. The methods used in this study include the descriptive analysis method, paired t-test, and ordinary least square (OLS). The paired t-test results indicate that there is a significant difference between business expenses, business turnover, the amount of labor, the number of product sales, and profit before and after obtaining a peer-to-peer lending loan. The result of analysis with the OLS method shows that the length of business and expenditure of the business has a significant effect on the development of respondents' business turnover.

scholarly journals Analysis of Effectiveness of Amnesty Program as a Response Tool in Containment of the Impact of “Cult Related” Activities in Niger Delta Region

2019 ◽  
pp. 1-16
Author(s):  
Ngozi Rodney Nwaogu ◽  
Vincent Weli ◽  
Mbee Daniel Mbee
Keyword(s):  
Niger Delta ◽  
T Test ◽  
Probability Level ◽  
Delta Region ◽  
Mean Values ◽  
Niger Delta Region ◽  
Significant Difference ◽  
Before And After ◽  
Pearson's Correlation ◽  
The Impact

Background of Study: Cult related activities such as inter and intra cult clashes have been prevalent in communities in Niger Delta Region of Nigeria. The clashes which are violent in nature are carried out by youths who belong to one cult group or the other. The clashes occur when members of a cult group attack members of another or other cult groups or invade a community in order to take control of an area and the proceeds accruing from crude oil exploitation and exploration by multi- national oil companies. Among the major cult groups perpetrating the violent acts include Deybam, Deywell, Iceland and Greenland. Due to the violent clashes many lives have been lost, properties destroyed, women raped, residents displaced, houses burnt and residents kidnapped/abducted. These affected socio-economic activities and livelihood means of the people.  Materials and Methods: This research analyzes the effectiveness of amnesty program as a response tool in mitigating cult related activities in Niger Delta region. Specifically, the study examines the magnitude of cult impact, relationship between frequency of cult attacks and fatalities, and examines the impact of cult activities before and after the amnesty. Adopting Cross- sectional research resign and using data chiefly collected from Nigerian Police, a total of 36 communities were purposively selected from 2 States in Niger Delta where amnesty was offered in 2016. The data were subjected to Pearson’s correlation and T-test statistical analysis. Results: Pearson’s correlation showed that there was a positive significant relationship between cult attacks and fatalities over a ten year period, with r = 0.83 at 99% probability level. The Student’s t-test showed a statistically significant difference on cult attacks before and after amnesty with t-cal of 2.55> t-tab of 2.01 at 95% probability level. The t-test also showed a statistically significant difference on cult fatalities before and after amnesty with t-cal of 2.41> t- tab of 2.01 at 95% probability level. Findings further revealed that mean values of cult attacks (3.20) and fatalities (2.70) after the amnesty were greater than mean values of cult attacks (2.13) and fatalities (1.37) before the amnesty. Conclusion: This showed that despite the amnesty, cult impact was still high in the study area and it was concluded that administration of amnesty is not an effective response tool to mitigation and containment of cult related activities in Niger Delta region, owing to its poor implementation and the desire to join cult groups by many youths who felt that joining the cult group will accord them protection and power over others. It is recommended that government should involve the local communities in designing an intervention program for youths.

scholarly journals Analyzing the Impact of Large Dams on Seismicity Patterns around Their Locations

2021 ◽  
Vol 68 (1) ◽  
pp. 3-17
Author(s):  
Mina Parvizishad ◽  
Simin Naseri ◽  
Ramin Nabizadeh ◽  
Abdollah Sohrabi Bidar ◽  
Amir Hossein Mahvi ◽  
...  
Keyword(s):  
Statistical Analysis ◽  
T Test ◽  
Dam Construction ◽  
Seismicity Patterns ◽  
Regional Seismicity ◽  
Large Dams ◽  
Significant Difference ◽  
Before And After ◽  
The Mean ◽  
The Impact

Abstract Dam construction is one of the most popular solutions for managing water resources. In recent years, changes in patterns of regional seismicity associated with large impoundment dams have raised concerns among environmentalists. In this study, five large dams located in Iran were studied from this perspective. The Gutenberg-Richter, linear regression and T-test were used to examine the seismic changes in the radius of 100 km of each of the dams during a twenty-five-year period before and after the construction of the dams. The results revealed that the seismicity level and relative density of large and small earthquakes in three of these dams have increased after dam construction. A significant difference between the magnitude of earthquakes, as well as the number of earthquakes before and after the construction of dams in the region, was recognized. However, the results of the T-test statistical analysis indicated that the mean depth of the earthquakes and their distance from the dams before and after construction have not changed significantly. Overall, these results indicated that the construction of large impoundment dams has been associated with some changes in patterns of regional seismicity. The findings would guide researchers to further investigate the type of impacts that dam construction may have on seismicity patterns.

scholarly journals The Influence of Football Training Based on Big Data on Physical Function and Football Skills

2022 ◽  
Vol 2022 ◽  
pp. 1-8
Author(s):  
Changjun Hu ◽  
Yang Sun
Keyword(s):  
Big Data ◽  
Physical Function ◽  
T Test ◽  
The Third ◽  
Standing Long Jump ◽  
Significant Difference ◽  
Before And After ◽  
Long Jump ◽  
Football Training ◽  
The Impact

In order to actively respond to the government’s call to scientifically create campus football culture, combine the characteristics of football sports, and improve people’s understanding of the mental and intellectual functions of football, this article focuses on the impact of football training on physical function and football technology. Based on the understanding of related theories, the experiment on the impact of football training on physical function and football technology was carried out. The experimental results showed that the weight, height, and BMI increased significantly during the period of football training ( P < 0.05 ). The independent sample T test showed that there were no significant differences in height, weight, and BMI between the two groups before and after training; the standing long jump performance of the control group after training showed an upward trend, but the significance level was not statistically significant. Three months later, the time for the experimental team to complete the eight-character dribble test in football training was reduced from 20.51 seconds to 15.57 seconds. The independent sample T test found that there was no significant difference in the physical fitness of the two groups before training and the changes in football skills of the subjects before and after training. Then, the clustering algorithm in the big data was used to analyze the data of the experimental group. The standing long jump has the highest performance; the second category belongs to the third level, and the third category belongs to the second level.

scholarly journals EFFECTIVENESS OF "SM" TOOL TO REDUCE DETERGENT LEVELS IN LAUNDRY WASTEWATER

2020 ◽  
Vol 39 (4) ◽  
pp. 199-202
Author(s):  
Tri Marthy Mulyasari
Keyword(s):  
Liquid Waste ◽  
T Test ◽  
P Value ◽  
Clean Water ◽  
Significant Difference ◽  
Before And After ◽  
Health Quality ◽  
The Impact ◽  
Paired T Test

Introduction: The use of detergent every year is increasing in line with the population growth rate in Indonesia. The impact of excessive use of detergent will result in pollution and damage to ecosystems and aquatic biota. The nature of detergents is to damage microorganisms. The dominant laundry waste comes from softeners and detergents. The research aimed to analyze the effectiveness of the "SM" tool to reduce detergent levels in laundry wastewater. Methods: This type of research was pre-experimental with a one-shot case study design. The independent variable was a tool to recycle laundry liquid waste into clean water "SM." The dependent variable was the detergent level (MBAS). The sample came from the laundry in the Kecamatan Baturraden area. Replication was carried out six times. Analyzing differences in detergent levels before and after being treated with the "SM" tool. The analysis used a paired T test. Result and discussion: The experimental results showed the “SM” tool could treat 960 liters of wastewater/day. The physical quality of the water after being treated using the “SM” tool, the water was colorless or clear, but it still smelled slightly fragrantly. The average level of detergent level checks before processing was 2.52 mg/L and after processing was 0.01 mg/L. The effective detergent parameter (MBAS) decreased by 99.51%, categorized as quite effective. The analysis using the paired T Test showed the p value of 0.239 with the lower and upper values being at one pole, meaning there was a significant difference between detergent levels before and after being processed utilizing the "SM" tool. Conclusion: Detergent levels (MBAS) after processing met the chemical quality requirements of clean water in accordance with Regulation of the Minister of Health Number 32 of 2017 concerning Environmental Health Quality Standards and Water Health Requirements for Sanitation Hygiene, Solus Per Aqua and Public Bathing Needs.

scholarly journals Impact of Halal Certification on The Performance of Food Small Medium Enterprises

2019 ◽  
Vol 18 (2) ◽  
pp. 116-123 ◽  
Author(s):  
Ida Giyanti ◽  
Erna Indriastiningsih
Keyword(s):  
Performance Measures ◽  
T Test ◽  
Profit Margin ◽  
Operational Performance ◽  
Subjective Data ◽  
Significant Difference ◽  
Before And After ◽  
Small Medium Enterprises ◽  
Medium Enterprises ◽  
The Impact

The purpose of this paper is to analyze the impact of halal certification on the performance of food small-medium enterprises (SMEs). Specifically, this research aims to prove empirically whether there are significant differences in (1) profit margin of SMEs before and after obtaining a halal certificate; (2) profit margin between halal certified and non-certified SMEs; and (3) operational performance between halal certified and non-certified SMEs. Operational performance measures used in this study include production capacity, product quality, sales, net profit, amount of customers, customers' loyalty, and market share. A survey was conducted in 85 food SMEs in Surakarta city. Administered questionnaires were used to collect primary data from SMEs' managers. The differences regarding profit margin were analyzed using paired sample t-test and independent sample t-test. We determined the operational performance differences through non-parametric tests, namely the Mann Whitney U-test. Results based on objective data showed that there was no significant difference in the profit margin of SMEs before and after obtaining a halal certificate as well as between halal certified and non-certified SMEs. Results based on mean rank differences of subjective data of performance using the Mann Whitney U test showed that there were significant differences concerning all performance measures between halal certified and non-certified SMEs.

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