scholarly journals ANALISIS DAMPAK KEBIJAKAN PENYALURAN KREDIT KEPADA UMKM TERHADAP PERTUMBUHAN KREDIT DI PROVINSI SULAWESI UTARA

2019 ◽  
Vol 20 (2) ◽  
pp. 1
Author(s):  
James Jollen Lumintang ◽  
Vekie A. Rumate ◽  
Debby Ch. Rotinsulu
Keyword(s):  
Interest Rates ◽  
Financial Risk ◽  
Linear Regression Analysis ◽  
Simple Linear Regression ◽  
Credit Growth ◽  
Business World ◽  
North Sulawesi ◽  
Important Challenge ◽  
The Government ◽  
The Impact

ABSTRAK Dunia usaha tidak terlepas dari turbulensi dan resiko keuangan, dalam perkembangan UMKM resiko menjadi lebih tinggi karena aset yang kecil membuat dana usaha habis dalam pembayaran kewajiban kredit, terutama saat inflasi dan suku bunga tinggi. Kenaikan inflasi dan suku bunga akan membuat biaya keuangan dalam usaha semakin tinggi, sehingga dapat berpengaruh pada kelangsungan usaha. Selain itu, permodalan merupakan tantangan yang paling penting dalam usaha pengembangan UMKM. Faktor modal bagi UMKM menjadi penting, sebab UMKM seringkali mendapatkan peluang usaha yang cukup besar. Namun, kondisi permodalan yang minim membuat UMKM tidak dapat mengembangkan usahanya lebih jauh lagi. Peranan penting lainnya adalah UMKM mendorong munculnya wirausaha-wirausaha baru. Wirausaha memiliki dua fungsi dalam perekonomian suatu negara yaitu fungsi makro dan mikro serta menengah. Tujuan penelitian ini adalah untuk mengetahui pengaruh Kebijakan Dampak Penyaluran Kredit Kepada UMKM berpengaruh terhadap pertumbuhan Kredit di Provinsi Sulawesi Utara.Penelitian menggunakan penelitian assosiatif dengan teknik analisis data menggukana analisis regresi linier sederhana. Hasil penelitian menunjukkan bahwa Kebijakan penyaluran kredit tidak berpengaruh terhadap pertumbuhan kredit UMKM di Sulawesi Utara. Saran yang dapat diberikan adalah Bank Indonesia perlu menurunkan tingkat bunga kredit agar pertumbuhan kredit dapat mengalami peningkatan, Pihak bank sebaiknya memberikan kelonggaran untuk kredit UMK, Pemerintah sebaiknya membantu dalam hal memberikan modal bagi UMKM dan membuka akses UMKM untuk mendapatkan modal usaha Kata kunci : kebijakan kredit, pertumbuhan kredit  ABSTRACT The business world is inseparable from turbulence and financial risk, in the development of MSMEs the risk is higher because small assets make business funds run out in payment of credit obligations, especially when inflation and high interest rates. The increase in inflation and interest rates will make the financial costs of the business higher, so that it can affect the sustainability of the business. In addition, capital is the most important challenge in developing MSMEs. The capital factor for MSMEs is important, because MSMEs often get considerable business opportunities. However, the lack of capital makes the MSMEs unable to expand their business further. Another important role is that MSMEs encourage the emergence of new entrepreneurs. Entrepreneurship has two functions in the economy of a country, namely macro and micro and medium functions. The purpose of this study was to determine the effect of the Impact Policy on Credit Distribution to MSMEs affecting the growth of Credit in North Sulawesi Province.The study used associative research with data analysis techniques using simple linear regression analysis. The results showed that the credit distribution policy did not affect the growth of MSME loans in North Sulawesi. The advice that can be given is that Bank Indonesia needs to reduce the loan interest rate so that credit growth can increase. Banks should provide concessions for MSE loans. The government should help in providing capital for MSMEs and open access for MSMEs to obtain business capital. Keywords: credit policy, credit growth

Faktor-faktor yang mempengaruhi good governance di Kelurahan Depok Sleman Yogyakarta

2018 ◽  
Vol 13 (1) ◽  
Author(s):  
Kurnia Ningsih
Keyword(s):  
Good Governance ◽  
Linear Regression Analysis ◽  
Technology Training ◽  
Simple Linear Regression ◽  
Business World ◽  
Managerial Values ◽  
Financial Governance ◽  
The Government ◽  
Quantitative And Qualitative Methods ◽  
Positive Effect

One important principles of good governance in public services is public participation. since good governance is a conception of a clean, democratic, and effective governmental administration, it regulate a synergistic and constructive relationship between the government, private business world and society. This research combines both quantitative and qualitative methods as mixed methods. Based on simple linear regression analysis results, it is found that technological training, participation in law and government, financial governance and assets and development of managerial values have a significant positive effect on implementation of good governance. The advice in this research is the application of technology training should be done effectively, with technological training to the employees themselves, especially in the use of computerization and internet in order to achieve tujuan that want to be achieved by trade and industry service.Keywords:good governance, technology training, participation in law and government

scholarly journals EVALUATION OF STATE AID AND ITS CREATED VALUE FOR DISABLED PEOPLE IN LITHUANIA

2021 ◽  
Vol 22 (4) ◽  
pp. 905-922
Author(s):  
Laura Girlevičienė ◽  
Alina Kvietkauskienė
Keyword(s):  
Regression Analysis ◽  
Social Exclusion ◽  
Social Issues ◽  
Linear Regression Analysis ◽  
State Aid ◽  
Simple Linear Regression ◽  
Disabled People ◽  
The Disabled ◽  
The Government ◽  
The Impact

Countries facing social issues related to the disabled apply various measures to solve them, including State aid. However, the application of these measures does not always enable them to achieve the goals of state policy or to improve indicators such as the integration of the disabled into the labor market and reduction of social exclusion. In order to evaluate the effectiveness of State aid usage and influence on the implementation of disabled employment policies, this research develops a set of social and economic indicators to reflect the examined issue, allow for the assessment of the situation of the target group, and envisage areas of improvement. To evaluate the impact of State aid on the selected indicators, a simple linear regression analysis is performed. According to our evaluations, we establish that in order for the government to solve problems of poverty by employing disabled people, questions of financial capacity as well as the effectiveness of allowances for the disabled should be addressed. The expected effects of this measure are a growing number of employed disabled people and reduction of poverty and social exclusion among disabled people.

To be more philanthropic when joining the government-controlled business association? Evidence from Chinese private firms

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Youliang Yan ◽  
Xixiong Xu
Keyword(s):  
Communist Party ◽  
Corporate Philanthropy ◽  
Emerging Market ◽  
Private Firms ◽  
Theoretical Understanding ◽  
Business World ◽  
Content Type ◽  
Business Association ◽  
The Government ◽  
The Impact

Purpose The purpose of this paper is to investigate whether and how affiliation with the government-controlled business association, namely, China Federation of Industry and Commerce (CFIC), affects corporate philanthropy in an emerging market. Design/methodology/approach Through an analysis of survey data gathered from Chinese private firms, this paper conducts multiple regressions to examine the impact of the CFIC membership on corporate philanthropy. Findings Empirical results show that the CFIC membership of private entrepreneurs is significantly positively associated with corporate philanthropy. Moreover, this study finds that the provincial marketization level and the firm Communist Party branch attenuate the positive association between CFIC membership and corporate philanthropy, indicating that the effect of CFIC on corporate philanthropy is more pronounced in regions with lower marketization level and firms without Communist Party branch. The findings are robust to various alternate measures of corporate philanthropy and remain valid after controlling for potential endogeneity. Practical implications Firms will be more active in corporate philanthropy to respond to the government’s governance appeal when they join the CFIC. This highlights the implications of political connections and in particular on the value of government-controlled business associations in the Chinese business world. Originality/value This study extends the literature on the determinants of corporate philanthropy and deepens the theoretical understanding of the governance role of business association with Chinese characteristics.

scholarly journals Obligasi Bencana Alam Dengan Suku Bunga Stokastik Dan Pendekatan Campuran

2016 ◽  
Vol 7 (1) ◽  
pp. 49-62
Author(s):  
Dian Anggraini ◽  
Yasir Wijaya
Keyword(s):  
Interest Rates ◽  
Natural Disaster ◽  
Financial Risk ◽  
Bond Price ◽  
Federal Reserve Bank ◽  
Aggregate Distribution ◽  
Disaster Loss ◽  
Reserve Bank ◽  
Mixed Approach ◽  
The Impact

This study contains the group claims model as discussed by (Lee, 2007)  for the pricing of natural disaster bonds. This research was conducted with several stages. First make the formula of bond price with stochastic interest rate and disaster event following non homogeneous poisson process. It further estimates the parameters of disaster loss data from the Insurance Information Institute (III) from 1989 to 2012 and interest rates from the Federal Reserve Bank. Because the determination of aggregate distribution is difficult to be exact, numerical calculation is done by mixed approach method (Gamma and Inverse Gaussian) to determine the solution of natural disaster bond price. Finally, shows how the impact of financial risk and disaster risk on the price of natural disaster bonds.

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 The Impact of Chinese Purchases of U.S. Government Debt on the Treasury Yield Curve

2011 ◽  
Vol 11 (4) ◽  
pp. 1850244 ◽  
Author(s):  
Radhames A. Lizardo ◽  
Andre Varella Mollick
Keyword(s):  
Interest Rates ◽  
Yield Curve ◽  
Government Debt ◽  
Ceteris Paribus ◽  
Business World ◽  
Monthly Data ◽  
Percent Increase ◽  
Out Of Sample ◽  
The Impact ◽  
Side Variable

Examining monthly data from May of 1985 to May of 2008, we find that increases in Chinese purchases of U.S government debt lead to decreases in Treasury yields. The effect is stronger as the maturity increases: a one percent increase in purchases of U.S. Treasuries by Chinese investors lowers the two-year (ten-year) Treasury yield by 10 to 38 basis points (39 to 55 basis points) on average, ceteris paribus . Overall, the demand-side variable capturing Chinese purchases of U.S. Treasuries improves the cointegrating properties of U.S. interest rates. In-sample and out-of-sample forecasts reinforce that the model with Chinese purchases greatly outperforms basic models of the yield curve. This study has implications for the business world since we document that Chinese investors contribute to lower U.S. Treasury yields and thus to lower U.S. interest rates in general.

scholarly journals PENGARUH OPERASI MONETER TERHADAP INFLASI DI INDONESIA

2020 ◽  
Vol 5 (1) ◽  
pp. 142
Author(s):  
Nurul Jannah
Keyword(s):  
Monetary Policy ◽  
Regression Analysis ◽  
Research Design ◽  
Quantitative Research ◽  
Linear Regression Analysis ◽  
Statistical Test ◽  
Simple Linear Regression ◽  
Analysis Techniques ◽  
Independent Variable ◽  
The Government

This study aims to determine whether there is a significant influence between monetary operations on inflation in Indonesia. This research was also conducted to find out how monetary policy in Indonesia resolves the inflationary problems that occur. The independent variable in this study is monetary operations. Monetary operations in this study include conventional and sharia monetary operations. The dependent variable in this study is inflation. The research design used is quantitative research design using simple linear regression analysis techniques supported by the classical assumption test and statistical test with the help of SPSS v22 program. The sample of this study was monetary operations and Inflation from January 2017 to Mei 2020. The result of this research showed that the data are normally distributed, and free from multicollinearity. Then this research also shows that monetary operations have significant effect on inflation. Based on the research that has been carried out, it is known that this research is very important to be carried out as a reference for the government in solving the problem of inflation in Indonesia, considering that monetary operations are policies issued by the government in minimizing inflation.

scholarly journals The Impact of Financial Performance, Financial Risk, Liquidity, and Corporate Governance on Corporate Value

2020 ◽  
Vol 1 (2) ◽  
pp. 154
Author(s):  
Yunita Karlina ◽  
Andreas Lako
Keyword(s):  
Corporate Governance ◽  
Financial Performance ◽  
Financial Risk ◽  
Negative Impact ◽  
Positive Impact ◽  
Linear Regression Analysis ◽  
Percent Level ◽  
Analysis Data ◽  
Corporate Value ◽  
The Impact

The purpose of this study is to analyze the impact of financial performance, financial risk, liquidity, and corporate governance (CG) on the corporate value in the period t0 and t+1. The proxy for financial performance, financial risk, liquidity, and corporate governance is respectively return on equity (ROE), debt to assets ratio (DAR), current ratio (CR), and corporate governance perception index (CGPI). The proxy for corporate value is price to book value (PBV). The method for analysis data is multiple linear regression analysis. The results show that financial performance has positive impact on the corporate value in the period t0 and t+1 on one percent level of significance. However, financial risk and liquidity have positive impact on the corporate value in the period t0 and t+1 but the impact is not statistically significant. CG shows different impact on the corporate value in the period t0 and t+1 in which it indicates negative impact in the period t0 but positive impact in the periode t+1. The impacts are however statistically insignificant. Generally, the results indicate that financial performance is the main factor that increases corporate value.

scholarly journals DAMPAK PEMAHAMAN WAJIB PAJAK ATAS PP NOMOR 46 TAHUN 2013 TERHADAP PENERIMAAN PAJAK PENGHASILAN PASAL 21 PADA KPP PRATAMA KOTAMOBAGU

2015 ◽  
Vol 4 (1) ◽  
pp. 163
Author(s):  
Speny Ria Manengkey ◽  
Sifrid Pangemanan ◽  
Winston Pontoh
Keyword(s):  
Linear Regression ◽  
Income Tax ◽  
Government Regulation ◽  
Linear Regression Analysis ◽  
Tax Revenue ◽  
Simple Linear Regression ◽  
Regression Test ◽  
Result Show ◽  
The Government ◽  
Test Result

Tax is a matter that must be well understood by everyone. Because tax hold an important role in the economy of a country. State revenues from taxation were very helpful all existing development. This research is do in KPP Pratama Kotamobagu and on taxpayer in the region Amurang. The variables used in this study were twu variables, namely understanding the taxpayer on the Government Regulation No. 46 of 2013 (X) and income tax revenue article 21 (Y). Data collection method used in this study were questionnaires and interviews. Technical analysis of data using simple linear regression analysis. From simple linear regression test result show that understanding the taxprayer on Government Regulation No. 46 of 2013 had a considerable influence on the acceptance of income tax on KPP Pratama Kotamobagu.

scholarly journals PERAN DANA PIHAK KETIGA DALAM MEMEDIASI PENGARUH NET INTEREST MARGIN TERHADAP PERTUMBUHAN KREDIT PADA PERBANKAN YANG GO PUBLIC DI BURSA EFEK INDONESIA

2020 ◽  
Vol 21 (1) ◽  
pp. 51
Author(s):  
Pristin Prima Sari ◽  
Ardian Prima Putra
Keyword(s):  
Interest Rates ◽  
Stock Exchange ◽  
Bank Lending ◽  
Third Party ◽  
Bank Credit ◽  
Process Data ◽  
Credit Growth ◽  
Net Interest Margin ◽  
The Government ◽  
Interest Margin

AbstractsThe study found empirical proof the role of third party funds (DPK) mediate the influence of net interest margin (NIM) on bank credit growth listed in Indonesia Stock Exchange on 2015-2018. The study uses data from the bank�s annual financial statements. The Study covers 22 commercial banks resulting in 88 bank-year observations. Research using Smartpls 3.0 statistical tools to process data and path analysis to compute data. The results obtained are third party funds (DPK) that can positively mediate the influence of net interest margin (NIM) on credit growth. The greater DPK create the profitability of bank interest rates increases bank credit growth. Partially Net interest margin (NIM) and third party funds (DPK) can increase bank credit growth. Net interest margin (NIM) also can increase the amount of third party funds (DPK). This study is useful for bank management to make decisions on determining bank margins, obtaining third party funds (DPK) and credit, for the government for study and mapping materials related to bank lending and the amount of bank interest rates, for further research is for reference material related to factors affecting lending.Keywords : Net Interest Margin, Third Party Fund, Credit, IDX

Sign in / Sign up

Export Citation Format

Share Document