scholarly journals Construction of new financial e-commerce model for small and medium-sized enterprises financing based on multiple linear logistic regression

2021 ◽  
Vol 33 (6) ◽  
pp. 0-0

This paper expounds on the development prospects of SMEs and E-commerce finance, and illustrates the significance of developing online finance. It also introduces the commonly-used research methods of the two kinds of financial models, such as multiple linear regression method and logistic regression method, and analyzes the reasons for the financing difficulties of SMEs. Currently, the high financing cost is the main reason for the financing difficulties of SMEs. Several reasons are account for the high financing cost. Among them, high financing cost,low-efficiency financial system,long financing cycle and the loan information asymmetry account for 35%, 21%, 19% and25% respectively. In addition, this paper clarifies the advantages and disadvantages of network finance and the necessity of developing online finance.

2021 ◽  
Vol 33 (6) ◽  
pp. 1-18
Author(s):  
Ping Wang ◽  
Wei Han

This paper expounds on the development prospects of SMEs and E-commerce finance, and illustrates the significance of developing online finance. It also introduces the commonly-used research methods of the two kinds of financial models, such as multiple linear regression method and logistic regression method, and analyzes the reasons for the financing difficulties of SMEs. Currently, the high financing cost is the main reason for the financing difficulties of SMEs. Several reasons are account for the high financing cost. Among them, high financing cost,low-efficiency financial system,long financing cycle and the loan information asymmetry account for 35%, 21%, 19% and25% respectively. In addition, this paper clarifies the advantages and disadvantages of network finance and the necessity of developing online finance.


Author(s):  
Raudhatul Hidayah

The main purpose of the research was to know partially the influence of institutional ownership, collateralizable assets, debt to total assets and firm size on dividend payout ratio in firms that listed at Indonesia Stock Exchange of 2010–2011 period. The other purpose is to know simultaneously the influence of institutional ownership, collateralizable assets, debt to total assets and firm size on dividend payout ratio in firms that listed at Indonesia Stock Exchange of 2010–2011 period. The population of this research was all the firms that listed at Indonesia Stock Exchange of 2010-2011 period namely, 136 in number. The sample, 27 firms, was taken by the use of purposive sampling method. The technique of data collection used was documentation.  The data analysis made use of multiple linear regression method. The results showed that partially institutional ownership had a positive and significant effect to dividend policy. Collateralizable assets, debt to total assets and firm size partially was not significant to dividend policy. Simultaneously institutional ownership, collateralizable assets, debt to total assets and firm size had a positive and significant effect to dividend payout ratio.


Author(s):  
Raudhatul Hidayah

The main purpose of the research was to know partially the influence of institutional ownership, collateralizable assets, debt to total assets and firm size on dividend payout ratio in firms that listed at Indonesia Stock Exchange of 2010-2011 period. The other purpose is to know simultaneously the influence of institutional ownership, collateralizable assets, debt to total assets and firm size on dividend payout ratio in firms that listed at Indonesia Stock Exchange of 2010-2011 period. The population of this research was all the firms that listed at Indonesia Stock Exchange of 2010-2011 period namely, 136 in number. The sample, 27 firms, was taken by the use of purposive sampling method. The technique of data collection used was documentation. The data analysis made use of multiple linear regression method. The results showed that partially institutional ownership had a positive and significant effect to dividend policy. Collateralizable assets, debt to total assets and firm size partially was not significant to dividend policy. Simultaneously institutional ownership, collateralizable assets, debt to total assets and firm size had a positive and significant effect to dividend payout ratio.


2019 ◽  
Vol 164 ◽  
pp. 681-689 ◽  
Author(s):  
Mariusz Zapadka ◽  
Mateusz Kaczmarek ◽  
Bogumiła Kupcewicz ◽  
Przemysław Dekowski ◽  
Agata Walkowiak ◽  
...  

2017 ◽  
Vol 12 (2) ◽  
Author(s):  
Prielly Natasya Kartini Widjaja ◽  
Linda Lambey ◽  
Stanley Kho Walandouw

Tax is the highest revenue of the country that. Therefore, government continues to increase the source of revenue derived from taxes. However, in reality there are many taxpayers who do not obey tax laws by evading their taxes. Tax Evasion is a taxpayer's act who always tries to minimize the tax payable by violating the provisions of tax laws. The purpose of this research is to find out the effect of tax discrimination and tax audit of tax evasion. Data were collected by questionnaires. Questionnaires were filled up by 100 tax payers in KPP Pratama Bitung. Technique sampling is non probability sampling with convenience sampling or accidental sampling method. This research used multiple linear regression method and SPSS software version 21.0 was utilized. The result shows tax discrimination has no effect on tax evasion and tax audit influence on tax evasion.Keywords: discrimination, tax audit, tax evasion.


Risks ◽  
2021 ◽  
Vol 9 (9) ◽  
pp. 166
Author(s):  
Grażyna Szustak ◽  
Witold Gradoń ◽  
Łukasz Szewczyk

The aim of this article is to analyze and assess the impact of the pandemic on the finances of households in Poland, compared to other CEE countries (including Czech Republic, Slovakia and Hungary), with particular emphasis on changes in the level of their savings, which are considered to be the foundation for the development of the indicated research group. There is no doubt that the pandemic had an impact on the situation of households, which is mainly visible in the labor market (rising unemployment), and thus the question arises to what extent have the households’ approaches to financial decisions changed because of this situation? The propensity to save was taken into account as a main aspect of this problem, because it has, among others, a big impact on the financial well-being (in a broader sense). Using the multiple linear regression method, the factors that influence the level of household savings were determined. The results of the research show that these factors are different in the analyzed countries and have a different impact on the level of the explained variable, which is the gross saving rate. The research should also be treated as a preliminary one. It constitutes a contribution to in-depth research with the use of more sophisticated statistical and econometric methods, which will allow for the better assessment of the examined issue.


AITI ◽  
2020 ◽  
Vol 17 (1) ◽  
pp. 42-55
Author(s):  
Radius Tanone ◽  
Arnold B Emmanuel

Bank XYZ is one of the banks in Kupang City, East Nusa Tenggara Province which has several ATM machines and is placed in several merchant locations. The existing ATM machine is one of the goals of customers and non-customers in conducting transactions at the ATM machine. The placement of the ATM machines sometimes makes the machine not used optimally by the customer to transact, causing the disposal of machine resources and a condition called Not Operational Transaction (NOP). With the data consisting of several independent variables with numeric types, it is necessary to know how the classification of the dependent variable is NOP. Machine learning approach with Logistic Regression method is the solution in doing this classification. Some research steps are carried out by collecting data, analyzing using machine learning using python programming and writing reports. The results obtained with this machine learning approach is the resulting prediction value of 0.507 for its classification. This means that in the future XYZ Bank can classify NOP conditions based on the behavior of customers or non-customers in making transactions using Bank XYZ ATM machines.  


Author(s):  
Fahreza Nasril ◽  
Dian Indiyati ◽  
Gadang Ramantoko

The purpose of this study was to answer the research question "How is the prediction of Talent Performance in the following year with the application of People Analytics?" and knowing the description of employees who are potential talents, the resulting performance contributions, to the description of the development and retention efforts needed by Talent in order to be able to maintain their future performance and position as Talents compared to the previous People Analytics method using predictive analysis, namely prediction of Talent Performance in the year next. In this study, data analysis using the Multivariate Logistic Regression method is used to get the Prediction of the Performance of Talents who become the object of research in the form of individual performance quickly and precisely in accordance with the patterns drawn by individual Performance score data in previous years. And can provide insight regarding the projected strategies that need to be done to maintain the improvement of individual talent performance in the years of the assessment period. It also helps management in making decisions about the right Talent development program and determining which Talents are priorities. The population in this study were the talents of employees of PT. Angkasa Pura II (Persero) with a managerial level consisting of: Senior Leader, Middle Leader, and First Line Leader who has a Person Grade (PG) range of 13 to 21. The sample used is Middle Leader level talent with specified criteria and through a process data cleansing. The results of this study indicate that the variable that significantly affects the performance of the following year is the performance of the previous 2 years. Then prediction analysis can be done using these independent variables with the Multinomial Logistic Regression method, and to get prediction results with better accuracy can be done by the Random Forest method.


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