scholarly journals Analisis Pengaruh Jumlah Nasabah, Tingkat Inflasi, dan Profit Pegadaian Syariah terhadap Jumlah Pembiayaan pada PT. Pegadaian (Persero) Cabang Syariah Kota Palembang

2019 ◽  
Vol 10 (1) ◽  
pp. 21
Author(s):  
Muhammad Bahrul Ulum
Keyword(s):  
Regression Analysis ◽  
Financial Institutions ◽  
Inflation Rate ◽  
Secondary Data ◽  
Analysis Tool ◽  
The Public ◽  
Inflation Rates ◽  
Number Of Customers ◽  
The City ◽  
Mortgage Law

<p align="center"><strong>ABSTRACT</strong><em> </em></p><p><em>Financial institutions in Indonesia consist of two namely, bank financial institutions and non-bank financial institutions. In addition to functioning as an intermediary, the two institutions also have a function to channel funds to the public in the form of credit. One of the financial institutions that provide lending services to the public is PT. Pegadaian (Persero). PT. Pegadaian (Persero) develops business by opening sharia pawnshops because the majority of Indonesian people are Muslims, for example in the city of Palembang. Sharia pawnshops as a financing institution have a special purpose, namely lending money on the basis of mortgage law aimed at preventing the practice of bondage, dark pawnshops, usury, and other unnatural loans. The purpose of this study was to determine the effect of the number of customers, inflation rates, and profit of sharia pawnshops on the amount of financing at PT. Pegadaian (Persero) Palembang Syariah Branch. This study uses secondary data from the Central Statistics Agency and PT. Pegadaian (Persero) Palembang Sharia Branch in 2011-2014 and the analysis tool used is multiple regression analysis. In this study it was concluded that the profit of Islamic pawnshops had a positive and significant influence on the amount of financing at PT. Pegadaian (Persero) Syariah Branch of Palembang city, while the number of customers and the inflation rate does not significantly influence the amount of Financing at PT. Pegadaian (Persero) Palembang Syariah Branch.</em></p><p><strong><em>Keywords :</em></strong><em> The number of customers, inflation rate, profit, and the number of financing</em></p><p align="center"><strong>ABSTRAK</strong></p><p><em>Lembaga keuangan di Indonesia terdiri dari dua yaitu, lembaga keuangan bank dan lembaga keuangan non bank. Kedua lembaga ini selain memiliki fungsi sebagai lembaga intermediasi juga memiliki fungsi untuk menyalurkan dana kepada masyarakat dalam bentuk kredit. </em><em>Salah satu lembaga keuangan yang memberikan layanan pemberian pinjaman kepada masyarakat adalah PT. Pegadaian (Persero).</em><em> </em><em>PT. Pegadaian (Persero) memngembangkan bisnis dengan membuka pegadaian syariah dikarenakan masyarakat Indonesia mayoritas beragama islam, contohnya di kota Palembang. </em><em>Pegadaian syariah sebagai lembaga pembiayaan memiliki tujuan khusus yaitu penyaluran uang pinjaman atas dasar hukum gadai yang ditujukan untuk mencegah praktek ijon, pegadaian gelap, riba, serta pinjaman tidak wajar lainnya. Tujuan penelitian ini adalah untuk mengetahui pengaruh jumlah nasabah, tingkat inflasi, dan profit pegadaian syariah terhadap terhadap jumlah Pembiayaan pada PT. Pegadaian (Persero) Cabang Syariah kota Palembang. Penelitian ini menggunakan data sekunder dari Badan Pusat Statistik dan PT. Pegadaian (Persero) Cabang Syariah kota Palembang tahun 2011-2014 dan alat analisis yang digunakan adalah analisis regresi berganda. Dalam penelitian ini disimpulkan bahwa profit pegadaian syariah mempunyai pengaruh positif dan signifikan terhadap jumlah Pembiayaan pada PT. Pegadaian (Persero) Cabang Syariah kota Palembang, sedangkan jumlah nasabah dan tingkat inflasi tidak berpengaruh </em><em>secara </em><em>signifikan terhadap jumlah Pembiayaan pada PT. Pegadaian (Persero) Cabang Syariah kota Palembang.</em></p><strong><em>Kata kunci :</em></strong><em> jumlah nasabah, tingkat inflasi, profit, dan jumlah pembiayaan</em>

scholarly journals Analisis Efisiensi dan Efektivitas Anggaran “Gerdu Kempling” Sebagai Upaya Pengentasan Kemiskinan

2018 ◽  
Vol 6 (1) ◽  
pp. 95-106
Author(s):  
Syahrir Wijanarko
Keyword(s):  
Secondary Data ◽  
Capital City ◽  
Analysis Tool ◽  
Envelope Analysis ◽  
The Public ◽  
Central Java ◽  
Efficiency And Effectiveness ◽  
Data Envelope Analysis ◽  
The City ◽  
Central Java Province

Kota Semarang sebagai Ibukota Provinsi Jawa Tengah menjadi magnet yang menarik masyarakat di Jawa Tengah untuk datang dan mengadu nasib demi kehidupan yang lebih baik. Besarnya jumlah penduduk di Semarang tidak diikuti oleh peningkatan kualitas sumber daya manusianya. Hal ini mengakibatkan peningkatan jumlah penduduk miskin yang tidak mampu memenuhi kebutuhan dan menjadikan banyaknya warga miskin di Kota Semarang. Hal inilah yang melatarbelakangi munculnya Program Gerdu Kempling dalam usaha mengentaskan kemiskinan di Kota Semarang. Penelitian ini mengkaji efisiensi dan efektivitas penggunaan anggaran Program Gerdu Kempling di Kota Semarang Provinsi Jawa Tengah. Tujuan penelitian ini untuk mengetahui penggunaan dana Gerdu Kempling dalam usaha mengentaskan kemiskinan di Kota Semarang. Data dalam penelitian ini merupakan data sekunder Metode dalam penelitian ini adalah deskriptif persentase, alat analisis yang digunakan adalah Data Envelope Analysis (DEA). Hasil analisis secara deskriptif persentase menunjukkan bahwa Program Gerdu Kempling belum terselenggara secara efektif. Sedangkan hasil perhitungan data penggunaan anggaran dengan DEA dalam penelitian ini menunjukan bahwa anggaran Gerdu Kempling tidak efisien dan tidak akan pernah mencapai efisiensi karena Gerdu Kempling merupakan kebijakan di sektor publik yang berbeda dengan sektor privat. Saran yang dapat diberikan dari penelitian ini yaitu sebaiknya pemerintah dan para stakeholder mampu mengintegrasikan data penerima bantuan di sistem antar SKPD.   Semarang city as a capital city of Central Java Province become a magnet that attract Central Java people for coming and try fortune for a better life. But, huge quantitie of population in Semarang not followed by quality improvement from the human resources. This cause in an increase of the number of poverty population that not able to fulfill and makes many poverty population in the city of Semarang. This research analysis the efficiency and effectiveness of Gerdu Kempling Program budget in the city of Semarang, Central Java Province. This research purposes to knowing the use of Gerdu Kempling budget in an effort to poverty alleviation of Semarang city. The data on this research is secondary data. The method of this research is deskriptive persentage and used Data Envelope Analysis (DEA) as an analysis tool. The result in deskriptive persentage way showed that Gerdu Kempling Program not effective yet. Whereas the result of calculated budget used data with DEA in this research showed that Gerdu Kempling budget not and never be efficience because Gerdu Kempling is policy in the public sector that have a difference with private sector. Advice for this research is governement and stakeholders should able to integrate favor receiver data in inter SKPD system.

scholarly journals Fiduciary Agreement Implementation in Car Credit Agreement on Financing Institutions of Mandiri Finance of Cirebon Based on Act No. 42 of 199 About Fiduciary

Jurnal Akta ◽  
2018 ◽  
Vol 5 (3) ◽  
pp. 655
Author(s):  
Ardiansyah Alrawi ◽  
Gunarto Gunarto
Keyword(s):  
Financial Institutions ◽  
Legal Protection ◽  
The Public ◽  
Legal Development ◽  
Freedom Of Contract ◽  
Legal Effect ◽  
The Moment ◽  
Credit Agreement ◽  
The City

The emergence of various institutions today's economy helped spur the economy of the community. But unfortunately the growth of the economic institutions are not supported by an adequate legal development. The presence of various financial institutions helped bring a major role in economic development of society, especially the poor. These financial institutions emerged as a form of providing funds or capital goods for the public to purchase goods on payment in installments or periodically by consumers. Construction consumer finance based on an agreement with the principle of freedom of contract as legal bases for both parties. In practice financing undertaken by financial institutions poured in the form of a credit agreement. In each of providing credit to their customers finance institutions always face a risk, therefore the customer's business situation and developments to be followed continuously starts the moment the credit is given to the loan. As for giving legal protection to the parties in the process of providing collateral (guarantee), then one of them is with the enactment of Law Fiduciary. Implementation of lending followed by a fiduciary assurance processes at financial institutions in the city of Cirebon most important is the legal effect if the Borrower defaults which are expected to creditors (financial institutions) can be easily exercised fiduciary object. Constraints faced in a fiduciary guarantee is as follows: a. Any cost of making a deed by the Borrower felt heavy, incomplete b. Any requirements of the Borrower to elaborate on the type, brand and quality of the fiduciary object, c. The office registration still limited fiduciary, fiduciary registration e. The office could not provide information on everything about the guarantee with the issuance.Keywords: Financing Institution, Credit Agreements, Fiduciary.

scholarly journals PENGARUH HARGA MINYAK DUNIA TERHADAP PERTUMBUHAN EKONOMI DI INDONESIA (MODERASI VARIABEL MONETER)

2020 ◽  
Vol 2 (3) ◽  
Author(s):  
Wilda Novita Sari ◽  
Ariusni Ariusni
Keyword(s):  
Economic Growth ◽  
Regression Analysis ◽  
Exchange Rate ◽  
Data Analysis ◽  
Secondary Data ◽  
Oil Prices ◽  
Analysis Tool ◽  
Data Analysis Tool ◽  
The Exchange Rate ◽  
The Relationship

Abstract: The purpose of this research is to be able to determine the effect of world oil prices on economic growth in Indonesia by applying the exchange rate moderating variable and the BI rate as a connecting variable. Descriptive and associative research is a type of research that is used with data collection techniques through a trusted official agency website that is classified in the quarterly time series secondary data. The data year in this study was from 2006 to 2018. Data analysis was carried out through descriptive and inductive analysis with a Moderated Regression Analysis (MRA) data analysis tool accompanied by a classic assumption test and a t test. Estimation results show that there are two research results; firstly, that the exchange rate has an effect on moderating the relationship between world oil prices and economic growth in Indonesia, secondly, that the BI rate has no influence connecting world oil prices and economic growth in Indonesia. Keywords: World oil prices, economic growth, exchange rates, BI rate, Moderated Regression Analysis (MRA).

scholarly journals DETERMINANT MODEL OF COMPANY VALUE IN THE PROPERTY AND INFRASTRUCTURE SECTOR

2021 ◽  
Vol 1 (2) ◽  
pp. 175-188
Author(s):  
Rezki Zurriah ◽  
Baihaqi Ammy ◽  
Ronni Parlindungan
Keyword(s):  
Corporate Governance ◽  
Regression Analysis ◽  
Panel Data ◽  
Secondary Data ◽  
Sampling Technique ◽  
Company Size ◽  
Analysis Tool ◽  
Company Value ◽  
Good Corporate Governance ◽  
Debt Policy

The purpose of this study is to find out and test the effect of good corporate governance, company size, dividend policy, debt policy and profitability on the value of companies in the property and infrastructure sectors in 2008-2017 listed securities in Indonesia. This study is a causal study using secondary data. The population in the study amounted to 63 property and infrastructure companies registered with the IDX for the period 2008-2017. The sampling technique used in this study is purposive sampling where the entire population of 35 companies is used as data in this study. The analysis tool used in this study used regression analysis of panel data.

An Agent-Based Model to Forecast the Inflation Rate in the Eurozone

2017 ◽  
pp. 72-92
Author(s):  
Juan Luis Santos ◽  
Jagoda Anna Kaszowska ◽  
Tomás Mancha Navarro
Keyword(s):  
Financial Institutions ◽  
Inflation Rate ◽  
Phillips Curve ◽  
Supply And Demand ◽  
Single Agent ◽  
Market Equilibrium ◽  
Agent Based Model ◽  
Agent Based ◽  
Long Run ◽  
Inflation Rates

The aim of the agent-based model presented in this chapter is to explain the determinants of inflation and to forecast the inflation rate in the Eurozone for the next five years. The behaviors of agents and their expectations are interrelated and explained by macroeconomic models applied to heterogeneous agents of three classes: individuals, companies and financial institutions. In addition, the behavior of public sector and central bank is also modeled with a single agent of each kind. Once the quantitative easing policy is implemented, the quantitative theory of money expects higher inflation rates in the long run. Inflation should remain low taking into account the Phillips-Curve. Last, according to the Aggregated Supply and Demand as well as to the Money Market equilibrium, the behaviors modeled allow forecasting low inflation. However, an external shock, as it would be an increase in the price of important commodities, can alter the inflation rate to a great extent.

scholarly journals COLLECTIVE MEMORY “JUM’AT KELABU” DI BANJARMASIN (PERSPEKTIF RESOLUSI KONFLIK ATAS PERISTIWA 23 MAY 1997)

2017 ◽  
Vol 16 (2) ◽  
pp. 75
Author(s):  
Husnul Khotimah
Keyword(s):  
Collective Memory ◽  
Secondary Data ◽  
Peace Building ◽  
The Public ◽  
Post Conflict ◽  
Strategic Role ◽  
The Public Sphere ◽  
Friday Prayer ◽  
The City

This paper intends to explore the events of the conflict on 23 May 1997 from the aspect of the peaceful resolution. Where a peace-building effort is needed to maintain a peaceful situation. With the collective memory being represented in the present mass, it is part of the form of efforts in fostering post-conflict sustainable peace. Through the elements of society (Non-Governmental Actor) the memory of conflict is represented in the public sphere as a form of warning against forgetting over history.The role of a non-governmental actor in peacebuilding has a strategic role in resolving conflicts and building peace post-conflict. There are three things raised in this research that is: The incident of conflict "Jum'at Kelabu" in the city of Banjarmasin in 1997, a collective memory form of conflict that built elements of society after the conflict, and the views of elements of society to the collective memory that was represented in the present in the effort to build peacebuilding. This research is a qualitative research, using a sociology-historical approach. The method used in data collection is through observation, interview, and documentation as secondary data. From the results of data analysis, the following results are obtained: the conflict that occurred in Banjarmasin city has a long chronology, the cause of this conflict is an unclear campaign route, the party base that controls Banjarmasin, because the mass of one the OPP that interfere with the Friday prayer, and aggressiveness of campaign participants. The form of peacebuilding efforts of the elements of society is to take peaceful action down the street, discussion/dialogue, and watching a documentary film. Elements of society argue that bringing back the memory of the conflict has two impacts: negative and positive impacts on people’s lives thereafter. These efforts need to be built to create an awareness that the conflict is painful, unpleasant and disturbing so hopefully it will never happen again.

scholarly journals Analisis Perkembangan Indeks Harga Konsumen di Kota Medan

2020 ◽  
Vol 3 (2) ◽  
pp. 412-418
Author(s):  
Sari Wulandari ◽  
Muhammad Dani Habra
Keyword(s):  
Price Index ◽  
Inflation Rate ◽  
Consumer Price Index ◽  
Commodity Prices ◽  
Household Expenditure ◽  
The Public ◽  
Goods And Services ◽  
City Community ◽  
The Subject ◽  
The City

The Consumer Price Index (CPI) is one of the important economic indicators that can provide information about the development of prices of goods and services (commodities) paid by consumers or the public especially the city community. This study aims to analyze the Development of the Consumer Price Index in Medan City. The benefits of this research are a description of the fluctuations in commodity prices for basic needs of the community at the level of consumers or retail traders. This type of research is descriptive qualitative. The subject in this study is the Central Statistics Agency and the object in this study is the Consumer Price Index through seven groups of household expenditure in 2018-2019. The results showed that the development of price indices in Medan City tends to fluctuate from seven types of household expenditure groups. During the January-December 2019 period the highest inflation of the seven types of expenditure was foodstuffs. Keywords: Consumer Price Index, Inflation Rate

scholarly journals DETERMINANT INFLATION ON MURABAHAH FINANCING IN SHARIA BANKS IN INDONESIA 2015-2019

2021 ◽  
Vol 1 (1) ◽  
pp. 39-49
Author(s):  
Erick S Yahya ◽  
Supandi Rahman
Keyword(s):  
Regression Analysis ◽  
Inflation Rate ◽  
Secondary Data ◽  
Third Party ◽  
Coefficient Of Determination ◽  
Positive Coefficient ◽  
Simple Regression Analysis ◽  
Simple Regression

This study aims to know the effect of inflation on Murabahah (sale-purchase agrrement between the bank and the customer with known profit) financing in Sharia banks in Indonesia. The data in this study are secondary data from the official website of each Sharia bank and then analyzed by using simple regression analysis. The finding shows that the inflation rate has a positive and significant effect on Murabahah financing in Sharia banks in Indonesia. The positive coefficient indicates that an increase in inflation will make people greatly desire to apply for Murabahah financing because they are worried about a greater increase in inflation in the following year. This aldo occurs because the increase in inflation makes people save a lot in Sharia banks, so that banks must optimally use these funds in the form of financing operations of what is called Murabaha financing. The coefficient of determination is 0.9871, meaning that 98.71% of Murabahah financing in Sharia banks in Indonesia is explained by the inflation rate. Meanwhile, 1.29% is the variability of other variables on Murabahah financing, such as banking profit variables, CAR ratios, NPF ratios, and third party funds.

scholarly journals Analisis Faktor yang Mempengaruhi Ketepatan Waktu Pelaporan Keuangan Perusahaan Property dan Real Estate di BEI Tahun 2011-2014.

2020 ◽  
Vol 13 (2) ◽  
Author(s):  
Muhammad Hidayatullah ◽  
Rani Eka Diansari
Keyword(s):  
Logistic Regression ◽  
Regression Analysis ◽  
Real Estate ◽  
Sampling Method ◽  
Stock Exchange ◽  
Secondary Data ◽  
Public Ownership ◽  
Financial Report ◽  
The Public ◽  
Independent Variable

This study aims to examine factors that influence the timeless of financial report. The independent variable of this research are profitability, firmsize, and the public ownership, while the dependent variable is timeless. The population of this research are property and real estate companies which are listed in Indonesian Stock Exchange 2011-2014. The sample in this research is taken by using purposive sampling method with some carracteristics and consist of 30 companies. This research used secondary data from www.idx.co.id and the method of analysis used logistic regression analysis. The results show that the profitability is significantly influenced to the timeless of financial report, while both the firmsize and public ownership are not significantly influenced the timeless of financial report.

scholarly journals Analisis Penentuan Lokasi Pengembangan Kawasan Pemakaman Umum di Kota Banjarbaru Kalimantan Selatan

2021 ◽  
Vol 5 (1) ◽  
pp. 1-14
Author(s):  
Wiyoga Triharto
Keyword(s):  
Secondary Data ◽  
Land Suitability ◽  
The Other ◽  
Suitability Analysis ◽  
City Development ◽  
The Public ◽  
Location Determination ◽  
New Locations ◽  
The City ◽  
New Location

The need for burial land in the City of Banjarbaru is increasing along with the population growth every year. On the other hand, the availability of land for public cemeteries that does not increase is a problem. The way to overcome this problem is to develop a cemetery in a suitable new location. In achieving the objectives, the authors first collect and summarize primary and secondary data and conduct a literature review and applicable laws and regulations, followed by collecting data on the physical condition / environmental baseline. Second, determine the location of the public cemetery based on the land suitability score. The analysis on this target uses land suitability analysis using GIS. Third, analysis of population and mortality predictions. The analysis uses an analysis of the number of occupations and the size of the area. From the analysis, it is known that several new locations for burial development are still possible. Namely located in Sungai Tiung Village and Cempaka Village, Cempaka District and Gantung Manggis Village and East Landasan Ulin Village, Landasan Ulin District.   Keywords : Banjarbaru City, Development of Public Cemeteries, Location Determination Analysis min.

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