scholarly journals Analisa Suku Bunga Dan Nilai Jaminan Terhadap Resiko Kredit KPR

2018 ◽  
Vol 6 (2) ◽  
pp. 124-129
Author(s):  
Muhamad Gustaman ◽  
Bambang Rahardjo

Credit risk is the inability of the customer to pay installments on time or due. This study aims to determine the effect of interest rates and the total value of collateral, on the risk of bad credit. Data obtained from published financial statements published by IDX with the period of 2013 to 2017. The sampling technique used in this study was purposive sampling. The number of samples is 4 banking companies listed on the Indonesia Stock Exchange. The analytical method used in this study is multiple linear regression, correlation, and coefficient of determination to obtain a comprehensive picture of the relationship between variables one with other variables. Based on testing the hypothesis by using the statistical t-test and the F test results showed that the interest rate has no effect and is not significant to bad credit, while the guarantee value has a positive and significant effect on bad credit and simultaneously there is a significant influence of interest rates and collateral value on bad credit

ProBank ◽  
2018 ◽  
Vol 3 (2) ◽  
pp. 17-21
Author(s):  
Heriyanta Budi Utama ◽  
Florianus Dimas Gunurdya Putra Wardana

The purpose of this study was to obtain empirical evidence about the effect of leverage, inflation and Gross Domestic Product (GDP) of the share price at PT. Astra Autopart, Tbk. companies in Indonesia Stock Exchange in 2011-2015. The sampling technique in this study using a purposive sampling. With the technique of purposive  sampling, all the members of the research samples by criteria. Samples that meet the criteria are used research data. Then followed the classic assumption test and test hypotheses by linear regression. The results of this study demonstrate the regression results in regression equation that Y = 2605,424 + 1561,550 X1 + 2,338 X2 + 38,994X3. T test results showed that the leverage anda GDP (Gross Domestic Product) is positive and significant effect on stock prices, while inflation is not positive and significant effect on stock prices. F test results showed that jointly leverage variables, inflation and GDP variables affecting the stock price significantly. The test results R2 (coefficient of determination) found that the variable leverage, inflation and GDP able to explain 35,4% of the stock price variable, while the remaining 64,6% is explained by other variables.Keywords: leverage, inflation, GDP, and the share priceThe purpose of this study was to obtain empirical evidence about the effect of leverage, inflation and Gross Domestic Product (GDP) of the share price at PT. Astra Autopart, Tbk. companies in Indonesia Stock Exchange in 2011-2015.The sampling technique in this study using a purposive sampling. With the technique of purposive  sampling, all the members of the research samples by criteria. Samples that meet the criteria are used research data. Then followed the classic assumption test and test hypotheses by linear regression.The results of this study demonstrate the regression results in regression equation that Y = 2605,424 + 1561,550 X1 + 2,338 X2 + 38,994X3. T test results showed that the leverage anda GDP (Gross Domestic Product) is positive and significant effect on stock prices, while inflation is not positive and significant effect on stock prices. F test results showed that jointly leverage variables, inflation and GDP variables affecting the stock price significantly. The test results R2 (coefficient of determination) found that the variable leverage, inflation and GDP able to explain 35,4% of the stock price variable, while the remaining 64,6% is explained by other variables.Keywords: leverage, inflation, GDP, and the share price


2021 ◽  
Vol 4 (1) ◽  
pp. 82
Author(s):  
Adris Kuncoro ◽  
Dhini Suryandari

This research aims to examine the relationship between KAP size, institutional ownership, and the audit committee on the quality of financial reports. 616 Indonesian Stock Exchange (IDX) companies in 2018 became the population in this study. Purposive sampling as a sampling technique resulted in 547companies. Using inferential logistic regression analysis and using descriptive statistical analysis hypothesis testing methods with IBM SPSS version 25 tools. This study found that the KAP size and the audit committee has a positive effect on the quality of financial reports. Institutional ownership does not affect the quality of financial reports. Simultaneously, KAP size, institutional ownership, and audit committee influence the quality of financial reports. This study concludes that partially, KAP size and audit committee has a positive effect on the quality of financial reports. Simultaneously, KAP size, institutional ownership, and audit committee affect the quality of financial reports. Further research suggests using other proxies, other periods, and other variables.


2018 ◽  
Vol 5 (1) ◽  
pp. 74-85
Author(s):  
Zummy Anselmus Dami ◽  
Paula Alfa Loppies

The purpose of this research is to investigate the relationship between significance or know the academic efficacy and procrastination academic with achievement students academic of project study guidance and counseling, Teaching and Education Faculty University PGRI East Nusa Tenggara. The number of samples used in the study as much as 92 students drawn from population 1180 includes force 2009 as much as much as 102 students 2010 force 205 students, 2011 as much as 368 students, and force as many as 505 2012 student. The sampling technique used is the purposive sampling technique. Tool collecting data using a detailed questionnaire with Likert scale, which consists of a detailed questionnaire for academic procrastination and academic efficacy. While the achievement of student learning is measured based on the CPI. The analysis used in this study is the technique of correlation of Product Moment with the help of SPSS Version 18.0. The first hypothesis test results showed that the relationship between academic procrastination and academic achievement, known (r) correlation coefficient between academic procrastination and academic achievement of 0.015 with p 0.890 > 0.05 negative correlation, direction and with the guidelines of the wear level of significance of 5%, obtained p 0.890 > 0.0.5 then correlation between academic procrastination and academic achievement is declared not significant. The second hypothesis test results showed a relationship between academic efficacy with academic achievement, known coefficient of correlation (r) between academic efficacy and academic achievement -0.004 0.970 > with p 0.05, direction correlation negative and wear guidelines significance level 5%, obtained p 0.970 > 0.05 then correlation between academic efficacy with academic achievement is expressed is not significant. While the third hypothesis test results showed the absence of significant correlation between academic procrastination and academic efficacy simultaneously toward academic achievement with the retrieved R square (coefficient of determination) of 0000, and the coefficient correlation of 0.015 with 0.990 > p 0.05. Further, it is known from the Fcount of 0.010 of Ftable of 3.10, so that H0 is accepted and Ha was rejected.


2017 ◽  
Vol 4 (1) ◽  
pp. 61 ◽  
Author(s):  
Siti Umiatun ◽  
Carmudi Carmudi ◽  
Christiani Christiani

Silica is an element that is useful to the organism especially Diatoms (Chrysophyta: Bacillariophyceae). The sources of Silica in waters derive from weathering rock-containing silica. Diatoms are a phytoplankton that able to live as a phytobenthos distributed globally in all types of waters. The purpose of this study was to determine; the silica content, the abundance of diatoms, and the relationship between the content of silica and the abundance of diatoms in the Pelus River Banyumas. This research was conducted as a survey and samples were collected using composite sampling technique at 5 stations. Samples were collected three times with 2 weeks intervals. Two main parameters (diatoms abundance and silica content) and ten supporting parameters (temperature, current velocity, pH, DO, BOD, COD, TSS, TDS, nitrate, and ortofosfat of waters) were measured. Data of analysis calculated in this study including regression correlation analysis to determine the relationship of the silica content and the abundance of diatoms. The silica concentration in the Pelus River waters varies between 112.48-175.00 mg.l-1 with an average of 146 mg.l-1. The total abundance of benthic diatoms was 44,442 ind.cm-2. The highest diatoms abundance was at station II (11,128 ind.cm-2), the lowest was at Station IV (6,828 ind.cm-2). The relationship between silica contained in the waters and abundance of diatoms indicated by the value of R2 (coefficient of determination) by 0.38 or 38%. The abundance of Diatoms are affected 62% by the available silica in the environment, and the rest 38% e rest are determined by other factors.


2020 ◽  
Vol 14 (1) ◽  
Author(s):  
Galih Abi Nugroho ◽  
Sri Hermuningsih

This study aims to determine the effect of the rupiah exchange rate, inflation and interest rates in sub construction and building service companies listed on the Indonesia Stock Exchange for the 2014-2018 period. The nature of this research is a quantitative approach because the data used are in the form of numbers in statistical analysis. The population is construction and building companies listed on the Indonesia Stock Exchange. The sample used was panel data, with time series data of 5 years and cross section data of 12 companies. The sampling technique was obtained by using purposive sampling technique. Data collection techniques using documentation, while data analysis techniques using multiple linear regression analysis supported by the classical assumption test that is normality test, multicollinearity test, heteroscedasticity test and autocorrelation test. In this study also used the Sobel test. Based on the results of data analysis, it shows that: (1) Rupiah exchange rate has a positive and not significant effect on stock return (2) Inflation has a negative and significant effect on stock return (3) Interest rates have a negative and significant effect on stock return, (4) simultaneously, rupiah exchange rate, inflation and interest rates have a significant effect on stock return. The results of the coefficient of determination (R2) of 12.1% while the remaining 87.9% is influenced by other variables outside the model.Keywords: Rupiah Exchange Rate, Inflation, Interest Rates, Stock Return


2018 ◽  
Vol 6 (3) ◽  
pp. 123-130
Author(s):  
Utami Utami ◽  
Uluan Silaen

Banks are business entities that collect funds from the public in the form of deposits and channel them to the public in the form of credit and / or other forms of improving the standard of living of the people. This study aims to determine the effect of credit risk and operational risk on profitability. Profitability ratios measured using return on asset assets and credit risk and operational risk are measured by non-performing loans (NPL) and BOPO. Data obtained from published financial statements published by Bank Indonesia with a period of time from 2008 to 2017. The sampling technique used in this study was purposive sampling. The number of samples is 3 banking companies listed on the Indonesia Stock Exchange. The analytical method that will be used in this study is multiple linear regression to obtain a comprehensive picture of the relationship between one variable and another. Based on hypothesis testing using statistical t test and f test the results of the research show that Non Performing Loans (NPL) have a significant effect on Profitability, while BOPO does not have a significant effect on Profitability and simultaneously there is a significant influence of Non Performing Loans (NPL) and BOPO on Profitability. Keywords: Non Performing Loan (NPL), BOPO and Return on Assets (ROA)


2021 ◽  
Vol 1 (1) ◽  
pp. 32-47
Author(s):  
Ema Muawanah ◽  
Imronudin Imronudin

This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), and Financing to Deposit Ratio (FDR) on Profitability (Case Study on Islamic Commercial Banks in Indonesia). This research used secondary data in the form of Islamic Commercial Bank financial statements. The population in this study is Islamic Commercial Banks listed on the Indonesia Stock Exchange in 2016-2018. The sampling technique employed was purposive sampling. A sample of 3 banks was obtained. Multiple linear regression was used. Classical assumption analysis was done prior to data analysis. Hypothesis testing used t-test, F test, and the coefficient of determination (R2). The results of this study indicated that CAR has a positive and significant effect on profitability, NPF has a negative and significant effect on profitability and FDR has a negative and no significant effect on profitability. Meanwhile, the independent variables together have an effect on profitability. The result of the coefficient of determination test shows that 61.1% of the profitability of Islamic Commercial Banks in Indonesia is explained by the variables of CAR, NPF, and FDR, while the remaining 38.4% is explained by other variables outside the model.


2021 ◽  
Vol 4 (2) ◽  
pp. 828-837
Author(s):  
Yosi Tiani ◽  
Nanu Hasanuh

This study aims to prove and analyze the effect of Current Ratio and Debt to Equity Ratio to Return on Equity in basic industrial and chemical sub-sector manufacturing companies listed on the Indonesia Stock Exchange from 2016 to 2018.These are 76 companies listed on the Indonesia Stock Exchange 2016-2018. Of the 76 listed companies, 10 companies were selected using purposive sampling. The data used in this study are secondary data, with how to collect the information needed from idx in the form of financial statements for 2016-2018. The method used to analyze the relationship between independent variables with the dependent variable is multiple regression method, and assumption test. Results of the discussion shows that simultaneously the independent variables: Current Ratio and Debt to Equity Ratio with the F test, jointly affects the Return on Equity. Result partially with the t test, the variable Current Ratio and Debt to Equity Ratio have an effect against Return on Equity. Keywords : ROE, Debt to Equity Ratio, Current Ratio


2021 ◽  
Vol 4 (1) ◽  
pp. 20
Author(s):  
Mahdi Hendrich

This study attempts to examine how much influence these two variables, namely ROA and ROE, on stock prices, especially in manufacturing companies of the type of "Consumer Goods" listed on the Indonesia Stock Exchange, the Malaysia Stock Exchange and the Thailand Stock Exchange. The sampling technique used was purposive sampling based on certain criteria or considerations. The sample taken is the financial statements of 9 companies that have been determined in accordance with the provisions of sampling with the period 2017-2019. The result shows that, simultaneously, Return On Asset (ROA) and Return On Equity (ROE) have a positive effect on stock prices in manufacturing companies in Indonesia. The coefficient of determination (R2) of 0.238 indicates that each share price is influenced by the ROA, ROE and State variables of 23.8% while the remaining 76.2% is influenced by other variables not examined.


2014 ◽  
Vol 5 (1) ◽  
Author(s):  
Andi Kari

The research purposes to measure the level of job satisfaction and motivation and its influence on employee engagement PNS administrative staff of Bandung State Polytechnic, amounting to 293 employees spread across 15 units and work.Determination by cluster random sampling technique method and samples were taken at random (random) that required 168 samples. Methods of research done by the survey, the data obtained by distributing questionnaires to the pegawaits. While the research model depicted in the form of the relationship between variables: Variable Satisfaction (X1) and work motivation (X2) on Employee Engagement (Y).The results generally show that the effect of the level of employee satisfaction "high", the level of employee motivation "very high", and the level of employee engagement "very high". Anova test results showed a difference in strata on aspects of job satisfaction, work motivation, and engagement of employees, but not significantly. Regression Test Results and Test t, partially shows that three variables affect each other positively. F test results and the coefficient of determination shows that simultaneous job satisfaction and motivation influence employee engagement.


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