scholarly journals Analisis Pengaruh Risiko Pasar dan Risiko Operasional terhadap Pemberian Pinjaman

2019 ◽  
Vol 7 (2) ◽  
pp. 285-293
Author(s):  
Juliana Ahmad M. L. ◽  
Moch Arifin
Keyword(s):  
Significant Influence ◽  
Hypothesis Test ◽  
Operating Cost ◽  
T Test ◽  
Operational Cost ◽  
Operating Income ◽  
Test Variable

Based on the results of hypothesis test (t-test) variable Net Interset Margin (NIM) shows the value of significance 0.008> 0.05. This means that  is rejected and   is accepted, so it can be interpreted that there is no significant influence between Net Interset Margin (NIM) to Non Performing Loan (NPL). Based on the results of hypothesis test (t-test) variable Operational Cost Operating Income (BOPO) showed significant value of 0.001 <0.05. This means that is rejected and  accepted, so it can be interpreted that there is significant influence between Operational Income Operating Cost (BOPO) to Non Performing Loan (NPL). Based on the results of research simultaneously, it can be concluded that the significant value of 0.003 less than 0.05, and the value of 7.136 which is greater than the 3.350, indicates that  is rejected and  is accepted, so it can be concluded that the NIM, BOPO variables together have a significant influence on the NPL.

scholarly journals The Factor Affecting to Profitability of Bank Mandiri (Persero) Tbk. Period 2011-2020

2021 ◽  
Vol 5 (2) ◽  
pp. 86-98
Author(s):  
Diana Riyana Harjayanti ◽  
Ade Irma ◽  
Ratna Tri Hari Safariningsih ◽  
Fajar Gumilang Kosasih
Keyword(s):  
Significant Influence ◽  
Operating Cost ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Coefficient Of Determination ◽  
Operational Cost ◽  
Return On Assets ◽  
Operating Income ◽  
Capital Adequacy Ratio ◽  
The Relationship

The purpose of this study is to determine factors Capital Adequacy Ratio, Non-Performing Loans and Operational Cost of Operating Income, Return On Assets as profitability at PT. Bank Mandiri (Persero) Tbk. with periode 2011-2020. The research method used in this study is descriptive quantitative. The population used is the financial statements of PT. Bank Mandiri (Persero) Tbk. The sample used is data that comes from the notes to the financial statements and income statements of PT. Bank Mandiri (Persero) Tbk. in the period 2011 to 2020. Based on the results of the partial test (t test) the results is Capital Adequacy Ratio and Non Performing Loan have not a significant influence on Return On Assets and Operational Cost of Operating Income has a significant influence on Return On Assets. But base on simultan (F test) shows that the Capital Adequacy Ratio, Non Performing Loan and Operational Cost of Operating Income have a significant influence on Return On Assets. In the coefficient of determination, the value of Adjusted R Square is 92.60%, Return On Assets can be explained by the Capital Adequacy Ratio, Non-Performing Loans and Operating Cost of Operating Income, which means that the relationship between variables has a strong correlation, while the remaining 7.4% can be explained by other variables.  

scholarly journals PENGARUH BRAND IMAGE DAN HARGA TERHADAP KEPUASAN PELANGGAN VILLAGE FUTSAL MEDAN

2018 ◽  
Vol 13 (1) ◽  
Author(s):  
Luthfi Azwardy ◽  
Adelina Lubis
Keyword(s):  
Data Analysis ◽  
Customer Satisfaction ◽  
Significant Influence ◽  
Brand Image ◽  
Hypothesis Test ◽  
Linear Analysis ◽  
T Test ◽  
Coefficient Of Determination ◽  
Analysis Technique ◽  
The Relationship

This study aims to determine and prove whether the brand image and price of customer satisfaction Village Futsal Medan. Types This study is an associative questioning the relationship between two variables. Data analysis technique using multiple linear analysis with hypothesis test using t test, f test and coefficient of determination. The results of the discussion and conclusion indicate that incentives and motivation partially and siimultan have positive and significant influence to customer satisfaction of Village Futsal Medan. Keywords: Brand Image, Price, Customer Satisfaction

scholarly journals PENGARUH KOMPENSASI, STRES KERJA, DAN KOMUNIKASI TERHADAP KINERJA KARYAWAN PT BANK RAKYAT INDONESIA CABANG PUWOKERTO

Media Ekonomi ◽  
2016 ◽  
Vol 16 (2) ◽  
pp. 220
Author(s):  
Lynawati Lynawati
Keyword(s):  
Path Analysis ◽  
Work Stress ◽  
Significant Influence ◽  
Research Method ◽  
Hypothesis Test ◽  
Sampling Technique ◽  
T Test ◽  
F Test ◽  
Communication Performance ◽  
Level Of Significance

This research aimed to know the influence of compensation, work stress, and communication towards employees performance and which variable among compensation, work stress, and communication have biggest influence towards employees performance. The hypothesis proposed is : 1) Compensation, work stress, and communication have significant influence towards employees performance of BRI Purwokerto Branch. 2) Compensation has biggest influence towards employees performance of BRI Purwokerto Branch compared by work stress and communication. This research was conducted at BRI Purwokerto Branch with the target is employees at its bank. Research method used survey. Data collecting method used questionnare, observation and documentation. Sampling technique used total sampling. Data analyzed method used path analysis. The first hypothesis test used F-test and t-test, while second hypothesis test used proportionate influence. Results of research showed that compensation, work stress, and communication both of partially and simultantly, have significant influence towards employees performance. It was proved by value of F-test and t-test bigger than F-table and t-table in level of significance 95%. Based from the result, so the first hypothesis was accepted. Compensation have biggest influence towards employees performance compared by work stress and communication. It was proved by value of proportionate influence is on variable of compensation. Based from that result, so the second hypothesis was accepted. Keywords: Compensation, Work stress, Communication, Performance

scholarly journals ANALISIS PEMECAHAN SAHAM (STOCK SPLIT): DAMPAKNYA TERHADAP LIKUIDITAS PERDAGANGAN SAHAM DAN PENDAPATAN PERUSAHAAN PUBLIK DI INDONESIA

2019 ◽  
Vol 3 (1) ◽  
pp. 1
Author(s):  
Susi Dwimulyani
Keyword(s):  
Logistic Regression ◽  
Stock Market ◽  
Hypothesis Test ◽  
Market Price ◽  
T Test ◽  
Stock Trading ◽  
Operating Income ◽  
Stock Split ◽  
Before And After ◽  
Kolmogorov Smirnov

<p><em>This research is designed to examine the stock split in Indonesia Capital Market. We want to get empirical evidence the relationship and the effect of stock market price and frequency of stock trading to stock split actions. We also want to know the defferences of frequency of stock trading and companies operating income, before and after stock split. Research samples were selected using purposive (judgement) sampling method<br /> among listed company in Jakarta Stocks Exchange (JSX) and ninety two companies could meet as research sample, where they are the company that listed from 2000 - 2006. Afterwards this samples classified into fourty six stock splitter companies and fourty six non stock splitter companies. Before hypothesis test, normality data test using one sample Kolmogorov Smirnov test to determine whether the data were normal or not, multicolinearity test to determine whether discovered relationship among independent variables and outocorelation test to examine the correlation error between period. The hypothesis test are tested using the logistic regression to see weather the stock market price and frequency of stock trading have significant influence to the stock split, and using the paired sample t test to compare the fourty six stock splitter companies have the increasing frequency of stock trading and operating income, before and after stock split. The result of the logistic regression showed that stock market price influence stock split but the frequency of stock trading did not. The result of paired t-test showed that there had no increasing frequency of stock trading and operating income before and after stock split.</em></p>

scholarly journals Analisis Pengaruh Service Quality, Personal Selling dan Complain Handling Melalui Satisfaction Serta Trust terhadap Customer Retention (Survei Nasabah Tabungan Bank Harda Internasional Cabang Pontianak)

2018 ◽  
Vol 7 (2) ◽  
pp. 132
Author(s):  
Nico Yudhinata Lay ◽  
Erna Listiana ◽  
Heriyadi Heriyadi
Keyword(s):  
Service Quality ◽  
Path Analysis ◽  
Significant Influence ◽  
Hypothesis Test ◽  
Personal Selling ◽  
Customer Retention ◽  
T Test ◽  
Survey Method ◽  
Test Results ◽  
Savings Bank

This study aims to determine the effects of service quality, personal selling and complain handling through satisfaction and trust on customer retention on the customer of Harda International Savings Bank, in Pontianak branch. The sample of this study consisted of 100 respondents of customers of Harda International Savings Bank, Pontianak. This associative study employed a survey method and a path analysis. The results of hypothesis test using test-F shows that the variables of service quality, personal selling, and complain handling have significant influence on satisfaction. Likewise the t-test results of hypothesis shows the variables of service quality, personal selling, and complain handling significantly influence satisfaction. Subsequently, satisfaction variable has significant influence on trust and customer retention. Meanwhile, trust variable has significant influence on customer retention.

PENGARUH KOMPETENSI DAN SEMANGAT KERJA TERHADAP PRESTASI KERJA KARYAWAN PT. YAMAHA INDONESIA MOTOR MFG (YIMM) DIVISI PARTS CENTRE

2015 ◽  
Vol 3 (3) ◽  
Author(s):  
Nuridin, SE., MM Nuridin
Keyword(s):  
Statistical Method ◽  
Significant Influence ◽  
Confidence Level ◽  
Hypothesis Test ◽  
Research Result ◽  
T Test ◽  
Validity And Reliability ◽  
F Test ◽  
Multiple Determination ◽  
The Relationship

The purpose of this research was to determine how the relationship and influence of competence and work spirit to employees performance at PT. Yamaha Indonesia Motor Mfg (YIMM) Parts Centre Division. The method was used is quantitative statistical method by looking for test of validity and reliability of data, coefficients of correlation and regression either partially or multiple, determination coefficient and hypothesis test. Research result; From the results of this research was found that there was a relationship and influence which is significant between competence variables and work spirit to employees performance at PT. Yamaha Indonesia Motor Mfg (YIMM) Parts Centre Division between variables by using the test of F test and t test, where F count was bigger than F table (34.925> 3.2674), and also t count was bigger than t table with a confidence level of 5 % two-sided test and DF = n-2 (38-2 = 36) was obtained t table = 2.028 (t count X1 = 7.434> 2.028 and X2 = 7.364> 2.028). Conclusion: There is a significant influence that can be explained by the result obtained from the R-square is 0.666, which means that variable of competence and work spirit of employees contributed as big as 66.6% to the variable of employees performance at PT. Yamaha Indonesia Motor Mfg (YIMM) Parts Centre Division, while the remaining 33.4% was contributed by other variables which not researched. Suggestions which the author convey to company, competence is contained in the company would need to be more increased, considering the work spirit of employees is good enough.

scholarly journals PENGARUH KOMUNIKASI DAN K3 (KESELAMATAN & KESEHATAN KERJA) TERHADAP KINERJA KARYAWAN DI PT. KARYAINDO SEJATITAMA KECAMATAN SUKU TENGAH LAKITAN ULU TERAWAS KABUPATEN MUSI RAWAS

2020 ◽  
Vol 6 (1) ◽  
pp. 1-15
Author(s):  
Supriyanto Supriyanto ◽  
Stela Anggraini
Keyword(s):  
Significant Influence ◽  
Employee Performance ◽  
Hypothesis Test ◽  
Health And Safety ◽  
T Test ◽  
Normality Test ◽  
Regression Test ◽  
Linearity Test ◽  
Interview Questionnaire ◽  
Test Correlation

This study aims to determine the influence of Employee Performance at PT. Karyaindo Sejatitama Suku Tengah Lakitan Ulu Terawas Subdistrict,  Musi Rawas Regency. Technique of data collecting were observation, interview, questionnaire, and documentation. The sample of this study used saturated sampling, that was all 96 employees. Technique of data analysis is done by testing the validity test and reliability test, the classic assumption test consists of normality test, linearity test, linear regression test, correlation test, determination test, and hypothesis test. Based on the t test, the value of tcount (10,944) > ttable (1,986) then Ho is rejected and Ha is accepted. This means that communication  has a significant influence on employee performance at PT. Karyaindo  Sejatitama Suku Tengah Lakitan Ulu Terawas Subdistrict, Musi Rawas Regency. Based on the t test,  the value of  tcount (8.691)  > t ttable  (1.986)  then Ho  is  rejected and Ha is accepted. This means that K3 has a significant influence on Employee Performance at PT. Karyaindo Sejatitama Suku Tengah Lakitan Ulu Terawas Subdistrict, Musi Rawas Regency. Based on the F test, the value of Fcount (69.343) > Ftable (3.09) then Ho is rejected and Ha is accepted. This means that Communication and Health and Safety (Occupational Health & Safety) has a significant influence on Employee Performance at PT. Karyaindo Sejatitama, Suku Tengah Lakitan Ulu Terawas Subdistrict, Musi Rawas Regency.

scholarly journals PENGARUH FINANCING DEPOSITE RATIO (FDR), CAPITAL ADEQUACY RATIO (CAR), DAN BIAYA OPERASIONAL PENDAPATAN OPERASIONAL (BOPO) TERHADAP RETURN ON ASSET (ROA) PADA BANK SYARIAH MANDIRI TAHUN 2013-2017

2019 ◽  
Vol 2 (2) ◽  
Author(s):  
Luluk Anggraeni ◽  
Mr. Mushawir
Keyword(s):  
Regression Coefficient ◽  
Predictive Ability ◽  
Financial Statements ◽  
T Test ◽  
Capital Adequacy ◽  
Test Results ◽  
Operational Cost ◽  
Operating Income ◽  
Independent Variables ◽  
Capital Adequacy Ratio

The purpose of this research is to examine the influence of Capital Adequacy Ratio (CAR), Financing Deposit Ratio (FDR), and Operational Cost of Operating Income (ROOP) to Bank Syariah Mandiri The sample in this research is obtained by purposive sampling The criteria of the banks collected in this study are the Financial Statements of the End of the Month of the Month (March, June, September, and December) for the years 2013-2016 and the Final Financial Statements of the Quarterly Months (March, June, and September) for 2017 at Bank Syariah Independent. Result of t test show that CAR variable obtained by regression coefficient equal to -0,753 with significance value equal to 0,463 so that CAR have no effect to ROA. FDR obtained regression coefficient of 1,500 with a significance value of 0.154 so that FDR does not affect the ROA. BOPO obtained regression coefficient of -10.663 with a significance value of 0.000 so that significant effect on ROA. F test results show that CAR, FDR, and BOPO variables simultaneously affect the ROA is indicated with a significance value of less than 0.05 is 0.000. The result of R² test shows that the predictive ability of four independent variables (CAR, FDR, BOPO, ROA) is 96.30%, while the rest of 3.70% is influenced by factors not examined in this research.Keywords:  Financing Deposite Ratio (FDR), Capital Adequacy Ratio (CAR), Biaya Operasional Pendapatan Operasional (BOPO) dan Return On Asset (ROA) 

PENGARUH STRATEGI PEMBELAJARAN EKSPOSITORI OLEH GURU PAK TERHADAP MOTIVASI BELAJAR SISWA KELAS XII SMA SWASTA HKBP 1 TARUTUNG KABUPATEN TAPANULI UTARA T.P. 2019/2020

2020 ◽  
Vol 18 (1) ◽  
pp. 89-96
Author(s):  
Pestaria Sihombing
Keyword(s):  
High School ◽  
Student Learning ◽  
Learning Strategies ◽  
Significant Influence ◽  
Hypothesis Test ◽  
T Test ◽  
Learning Motivation ◽  
Statistical Research ◽  
Private High School ◽  
Academic Year

                This study aims to determine the level of propensity of Expository Learning Strategies by PAK Teachers and the level of student learning motivation tendencies in HKBP 1 Tarutung Private High School 2019/2020 academic year, as well as to determine the positive and significant influence between Expository Learning Strategies by PAK Teachers on learning motivation XII grade students of HKBP 1 Tarutung North Tapanuli Utara District High School 2019/2020 academic year.               The hypothesis of this study is: there is a positive and significant influence of expository learning by PAK teachers on the learning motivation of class XII students of HKBP 1 Tarutung North Tapanuli North High School in 2019/2020. This type of research is quantitative descriptive inferential statistical research. The population in this study were all students of class XII HKBP 1 Tarutung Private High School who were Protestant Christians totaling 164 people and the sample was taken 50% of 164 people totaling 82 people. The research instrument was a closed questionnaire.               The result of a simple linear equation is Y = 62,59 + 0,424x. T test results show that the t-test value is 3,075 and t-table = 1,667, so the t-count value ˃ ttable (3,075 1,667) can be obtained. Furthermore, the analysis of the data for the hypothesis test with the f test obtained the value of fcount ˃ ftabel (9,46 3,11) so that it can be concluded that the hypothesis is accepted and based on the results of the coefficient of determination obtained the magnitude of the influence of expository learning by PAK teachers on the learning motivation of class XII high school students Private HKBP 1 Tarutung Utara Tapanuli Regency 2019/2020 Academic Year is 10,56% and another 89,44% is obtained from other inherent factors which are not examined in this study.Keywords: Expository Learning Strategies By PAK Teachers, Student Learning Motivation

scholarly journals ECONOMIC ANALYSIS OF A PRODUCTIVE UNIT OF FAMILY-BASED ORGANIC COFFEE

2019 ◽  
Vol 14 (2) ◽  
pp. 261
Author(s):  
Hélio Orlando Menegueli ◽  
Jéferson Luiz Ferrari ◽  
Haloysio Mechelli de Siqueira ◽  
Ringo Souza Batista
Keyword(s):  
Economic Analysis ◽  
Operating Cost ◽  
Cost Benefit ◽  
Cost Ratio ◽  
Operational Cost ◽  
Operating Income ◽  
Certified Organic ◽  
Family Based ◽  
Organic Coffee ◽  
Santa Maria

The objective of this study was to analyze the economic analysis of a family-based organic coffee production unit, called Rossmann Grange, located in the municipality of Santa Maria de Jetibá/ES, Brazil, certified organic since 2001 using the records of cost and production for the period from 2006 to 2016. The following indicators were evaluated: total operational cost; net operating income; profit and cost ratio. The results obtained were: total operating cost of R $ 476.14/bag; net operating income of R$ 3,022.66/ha; index operating cost benefit of 1.27; and profitability of the invested capital of 26.53%.

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