scholarly journals PENGARUH PENDAPATAN DAN SUKU BUNGA TERHADAP KEPUTUSAN PENGAMBILAN KPR PADA PT BANK TABUNGAN NEGARA (PERSERO) TBK CABANG PRABUMULIH

Author(s):  
Emi Sukmawati

This study is entitled "The Effect of Income and Interest Rates on the Decision of Taking Mortgages at PT Bank Tabungan Negara (Persero) Tbk Prabumulih Branch". The main problem in this research is how much income and interest rates influence the decision to take KPR at PT Bank Tabungan Negara (Persero) Tbk Prabumulih Branch. Determination of the sample in this study is to use the accidental sampling method, namely random sampling. The number of samples studied were 100 respondents who worked, both as private employees, BUMN employees, and Civil Servants (PNS) who were classified based on the income they received per month. The analytical method used is multiple linear regression with hypothesis testing using the F test, t test, and the coefficient of determination (R2). The results of this study concluded that income and interest rates influence the decision to take a mortgage at PT. Bank Tabungan Negara (Persero) Tbk Branch Prabumulih of 46.8%. Researchers give advice, companies engaged in housing should really pay attention to what factors are very influential in determining the buyer's decision to take a mortgage so that companies avoid unwanted problems, such as bad loans

2018 ◽  
Author(s):  
STIM Sukma

This study aims to determine whether the leadership the principal influence on Teacher Performance in School MAN 1 Medan . To determine the influence of independent variables on the dependent variable we used the coefficient of determination ( R2 ) . It is also used partial test (t test) to determine whether it is still the independent variables significantly influencing variables . Filing is done at the 95% confidence level or confidence level α = 0.05 % error ( 5 % ) . The number of objects or samples of multiple linear regression. The coefficient of determination (R2) obtained at 0.082 or 8.2% indicates that the variable Leadership able to explain the variations that occur in the performance of teachers in the School of MAN 1 Medan, while the remaining 91.8% is explained by other variables not examined in this study , Based on hypothesis testing (test T) obtained tcount Leadership for smaller 0.847 leadership variables in the appeal ttabel 1.671 and 0.421 significance value greater than 0.05, then H0 is accepted and H1 is declined, thus partially leadership variable does not affect the performance of teachers in school MAN 1 Medan


2018 ◽  
Vol 5 (1) ◽  
pp. 11
Author(s):  
Muhammad Yusra ◽  
Chairi Utami

This study aims to know the influence of Love Of Money and Machiavellian on the ethical perception of accounting students of Malikussaleh University. The data used is primary data and the sampling method used is Slovin method. The data of this research are obtained by distributing questionnaires to the respondents. The data obtained are then analyzed by using Multiple Linear Regression, Data Quality Test, Classic Assumption Test, Hypothesis Testing, and Coefficient of Determination. The results of this study indicate that simultaneously Machiavellian and Love Of Money have a significant effect on the ethical perception of accounting students of Malikussaleh Universit which is indicated by the f-count value of 12,600. While f-table (df1 = k, df2 = n-k-1, 5%) = 3.11, or in other words f-count> f-table. Partially, Love Of Money has a significant effect on the ethical perception of accounting students of Malikussaleh University in which indicated by t-count of 3.693 and T table (n-2, 5% two-sided test) = 1.990 where t-count>t-table with a significance value of 0.000 or lower than 0.05. and Machiavellian has a significant effect on the ethical perception of accounting students at -Malikussaleh University which is indicated by t-count = 2.583 and t-table (n-2, 5% two-party test) = 1.990 where t-count> t-table with the significance value 0.012 or lower than 0.05.


2017 ◽  
Vol 6 (1) ◽  
Author(s):  
Nining Purwaningsih

This research aims to know the effect of leadership, competence and motivation on employees performance. The sample size of this research is 63 employees out of 167 employees of PT Tunas Mandiri Migas. The sampling method used is random sampling. The data gathering technique applied is questionnaire. The data analysis techniques used are multiple linear regression, t test and F test. The result of this study shows that leadership, competence and motivation simultaneously influence the employees performance. The result also shows that partially leadership and competence influence the employees performance. Whereas motivation partially does not influence the employees performance.Penelitian ini bertujuan untuk mengetahui pengaruh kepemimpinan, kompetensi dan motivasi terhadap kinerja karyawan. Ukuran sampel penelitian ini adalah 63 karyawan dari 167 karyawan PT Tunas Mandiri Migas. Metode pengambilan sampel yang digunakan adalah random sampling. Teknik pengumpulan data yang digunakan adalah kuesioner. Teknik analisis data yang digunakan adalah regresi linier berganda, uji t dan uji F. Hasil penelitian ini menunjukkan bahwa kepemimpinan, kompetensi dan motivasi secara simultan mempengaruhi kinerja karyawan. Hasil penelitian juga menunjukkan secara parsial kepemimpinan dan kompetensi mempengaruhi kinerja karyawan. Sedangkan motivasi secara parsial tidak mempengaruhi kinerja karyawan.


Author(s):  
Faulia Faulia ◽  
Meiffa Herfianti ◽  
Andriyani Prawitasari

The purpose of this study is to determine the influence of the atmosphere and the location on consumer buying interest at Kampung Kecil Restaurant of Bengkulu City. The sample in this study was 65 consumers who bought at Kampung Kecil Restaurant of Bengkulu City. Collecting data using a questionnaire and the analytical method used is multiple linear regression, determination test and hypothesis testing. The results of the study show a positive regression direction with the equation Y = 7.005 + 0.512 (X1) + 0.295 (X2). The determination test is 0.826 or 82.6% of Buying Interest at Kampung Kecil Restaurant of Bengkulu City while the remaining 0.174 or 17.4% is influenced by other variables that are not included in this research model. The atmosphere has a significant influence on consumer buying interest at Kampung Kecil Restaurant of Bengkulu City, this is evidenced by the results of the t test showing a significant value of 0.001 is less than 0.05 meaning H0 is rejected and Ha is accepted. Location has a significant influence on consumer buying interest at Kampung Kecil Restaurant of Bengkulu City, this is evidenced by the results of the t test showing a significant value of 0.000 is less than 0.05 meaning H0 is rejected and Ha is accepted. Atmosphere (X1) and Location (X2) together have a significant influence on consumer buying interest (Y) at at Kampung Kecil Restaurant of Bengkulu City, this is evidenced by F test showing a significant value of 0.000 is less than 0.05.


2018 ◽  
Vol 3 (1) ◽  
pp. 110-125
Author(s):  
Novi Theresia Kiak ◽  
Septina Nuro

The implementation of regional autonomy is not only focused on central grants in the form of balancing funds. The regions can be self-sufficient to take care of their own households including local financial independence by utilizing and utilizing, and managing the potentials in the regions in order to improve public services to the community and regional development. The purpose of this research is to know whether there is influence of Local Original Income (PAD), General Allocation Fund (DAU) and Special Allocation Fund (DAK) to the level of Financial Independence of Banyuwangi Regency either partially or simultaneously. The population in this research is Banyuwangi Regency using secondary data in the form of Budget Realization Report (BRR) of Banyuwangi Regency in 2012 - 2016. Hypothesis testing in this research use multiple linear regression with t test, F test and coefficient of determination. The data that have been collected is analyzed first by testing the classical assumption then hypothesis tested by SPSS 20.0.


2021 ◽  
Vol 9 (1) ◽  
pp. 1-14
Author(s):  
Ade Tiara Yulinda ◽  
Erwin Febriansyah ◽  
Fenti Sukma Riani

This study aims to determine the effect of store's atmosphere and product quality on purchasing decisions Nick Coffee Consumers in Bengkulu City. This research is a quantitative study with a sample of 100 respondents, using accidental sampling technique . Data collection techniques using observation and questionnaires. Data analysis techniques using classical assumption test, multiple linear regression, coefficient of determination (R2) and hypothesis testing. The results of this study can be seen from the multiple linear regression test with calculations are performed using SPSS, the comparison between  the  (n-k-1) = 100-2-1 = 97 (1.9826).) . From the results of hypothesis testing that Store's Atmosphere (X1) has a positive effect on purchasing decisions on Nick Coffee consumers in Bengkulu City , with T test results showing a significance value of 0,000 <0.050 and Product Quality (X2) has a positive effect on purchasing decisions on Nick Coffee City consumers Bengkulu , with the T test results showing a significance value of 0,000 <0.050 . Testing the hypothesis of the T test and F test shows that the Store's Atmosphere and Product Quality have a significant effect on purchasing decisions with a significance level <0.05. This means that Ho was refused Ha was accepted. In other words Store's Atmosphere and Product Quality have a significant effect both partially and jointly on purchasing decisions at Nick Coffee Bengkulu City . This is evidenced by the f test showing a significance value of 0.000 <0.05.


2020 ◽  
Vol 3 (2) ◽  
pp. 129-143
Author(s):  
Tituk Diah Widajantie ◽  
Saiful Anwar

This research was conducted for knowing the influence of motor vehicle tax bleaching program, taxpayer awareness, tax socialization, and tax administration service toward taxpayer compliance to pay motor vehicle tax (Pajak Kendaraan Bermotor- PKB) at SAMSAT office of Surabaya Selatan. The total sample for this study was 100 respondents calculated using the sampling method namely simple random sampling. Collected data using a questionnaire distributed to respondents. Hypothesis testing in this research used multiple linear regression in SPSS 23. The analysis results show that motor vehicle tax bleaching program, taxpayer awareness, and tax administration service influence taxpayer compliance in paying PKB. Meanwhile, tax socialization does not have an effect on taxpayer compliance in completing the PKB.


2017 ◽  
Vol 10 (2) ◽  
pp. 222
Author(s):  
Maswar Patuh Priyadi ◽  
Suwitho Suwitho

The objective of this study is to investigate the simultaneous and the partial effect of service factors consist of reliability, responsiveness, assurance and emphaty on satisfaction of BRI customer in East Java. This study  uses the sample of BRI customer lived in branch office of Kediri, Sumenep, Banyuwangi and Bojonegoro based on purposive random sampling method. Data is estimated using multiple linear regression model.The empirical result of study by partial t-test show that reliability not influence satisfaction, but another factors like responsiveness, assurance and emphaty influence satisfaction of  BRI costumer. The result by simultaneous F-test show that reliability, responsiveness, assurance and emphaty influence satisfaction of BRI customer.


2019 ◽  
Vol 1 (2) ◽  
pp. 153-162
Author(s):  
Chairul Riza Nasution ◽  
Yusniar Lubis ◽  
Rahma Sari Siregar

The purpose of this study is to know any socio economic factors that affect investment (education costs) of the children of implementing employees at PTPN III Kebun Hulu, Nagori Village, Banjar Hulu, Ujung Padang District, Simalungun Regency. The sampling method is done by Purposive method. The analytical method used is multiple linear regression test with SPSS 18 tools. Socio-economic factors that affect investment (education costs) simultaneously are age, number of children, funds and education on investment (education costs) at PT Perkebunan Nusantara III Kebun Dusun Hulu. This can be seen from the t test, where t-test 2.333 t-table 2.045 at α = 5%. By parsial age variable not have an effect on to invesment ( expense of education) can be seen test of  t, where t-hitung (-1,047) t-tabel (2,045), by parsial variable of amount of  child  not have an effect on to invesment (expense of education) where t-hitung (-1,568)   t-tabel  (2,045), by parsial earnings of executor employees not have an effect on to invesment (expense of education) where t-hitung (0,180) t-tabel (2,045), by parsial education variable not have an effect on to invesment (expense of education), where t-hitung (0,910) t-tabel (2,045).


2018 ◽  
Vol 10 (2) ◽  
pp. 222-245
Author(s):  
Maswar Patuh Priyadi ◽  
Suwitho Suwitho

The objective of this study is to investigate the simultaneous and the partial effect of service factors consist of reliability, responsiveness, assurance and emphaty on satisfaction of BRI customer in East Java. This study  uses the sample of BRI customer lived in branch office of Kediri, Sumenep, Banyuwangi and Bojonegoro based on purposive random sampling method. Data is estimated using multiple linear regression model.The empirical result of study by partial t-test show that reliability not influence satisfaction, but another factors like responsiveness, assurance and emphaty influence satisfaction of  BRI costumer. The result by simultaneous F-test show that reliability, responsiveness, assurance and emphaty influence satisfaction of BRI customer.


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