Pegadaian Digital Service

2021 ◽  
Vol 4 (3) ◽  
pp. 708-725
Author(s):  
Ning Karnawijaya ◽  
Siti Rokhaniyah
Keyword(s):  
Quantitative Method ◽  
Secondary Data ◽  
T Test ◽  
Financial Inclusion ◽  
Empirical Testing ◽  
Strong Correlations ◽  
Digital Service ◽  
Before And After ◽  
The Right ◽  
Quantitative And Qualitative Methods

This study aims to determine the effect of Pegadaian Digital Service (PDS) on the financial inclusion of sharia business segments. The study was conducted using secondary data and analyzed by quantitative and qualitative methods. Quantitative method used the t-test to determine the significance of the effect of PDS on the financial inclusion of sharia business segments. The t-test was conducted two years before the release of PDS (2016-2017) and the two years after released of PDS (2018-2019). Sharia business segments in this study are sharia pawn bussiness (rahn) and micro fiducia sharia business (Arrum and Amanah). Furthermore, qualitative analysis is to find the right modeling for optimizing PDS in increasing financial inclusion in sharia business segments. The results showed that in the two years after the released of PDS the turnover, outstanding loan, and mu'nah revenue had a very significant increasing. There were strong correlations and significant differences in the achievement of turnover, outstanding loans, and mu’nah revenue between before and after the PDS, both in sharia pawn business (Rahn), Arrum and Amanah products. The results of empirical testing proved that PDS was supporting the acceleration of financial inclusion programs, especially in the sharia business segment at PT. Pegadaian. Optimizing PDS in increasing financial inclusion in sharia business segments can be done by developing a product based PDS optimization model.

scholarly journals Analisis Makro Ekonomi Sebelum dan Sesudah Penerapan Redenominasi Mata Uang

2018 ◽  
Vol 5 (2) ◽  
pp. 153-162
Author(s):  
Maria Febrida ◽  
Lesta Karolina Br. Sebayang
Keyword(s):  
Economic Growth ◽  
Foreign Direct Investment ◽  
Exchange Rate ◽  
Direct Investment ◽  
Quantitative Method ◽  
T Test ◽  
Before And After ◽  
Dependent Sample

Rencana redenominasi rupiah di Indonesia menjadikan pengalaman beberapa negara yang telah menerapkan redenominasi mata uang penting untuk ditinjau dari sisi makro ekonomi saat sebelum dan sesudah redenominasi sehingga menjadi dasar pertimbangan bagi Indonesia mengambil keputusan dalam rencana penerapan redenominasi rupiah. Tujuan penelitian ini untuk mengetahui ada tidaknya perbedaan kondisi inflasi, nilai tukar, ekspor, penanaman modal asing (PMA) dan pertumbuhan ekonomi 1 tahun sebelum dan 1 tahun sesudah menerapkan redenominasi pada 20 negara yang telah menerapkan redenominasi. Penelitian ini menggunakan metode penelitian kuantitatif dengan alat analisis uji beda dua rata-rata sampel berpasangan. Hasil analisis menunjukkan bahwa pada variabel nilai tukar terdapat perbedaan antara sebelum dan sesudah redenominasi yaitu nilai tukar semakin lemah setelah penerapan redenominasi, sedangkan pada variabel inflasi, ekspor, PMA, dan pertumbuhan ekonomi tidak terdapat perbedaan sebelum dan sesudah redenominasi.   Rupiah redenomination which planned by Indonesia make the experience of countries that have implemented the currency redenomination is important to be reviewed in terms of macroeconomic before and after the redenomination so that it becomes a basic consideration for Indonesia to take decisions in the plan of implementation rupiah redenomination. The purpose of this study is to determine whether there is difference in the conditions of inflation, exchange rate, exports, foreign direct investment (FDI) and economic growth in the current 1 year before and 1 year after implementing the redenomination in the 20 countries that have implemented the currency redenomination. This study used a quantitative method, with analysis dependent sample t-test which showed that there is a difference between before and after redenomination in exchange rate variable is getting weaker after the implementation of the redenomination, while there is no difference before and after the redenomination in inflation, exports, FDI, and economic growth.

scholarly journals The Announcement of Sharia Bank’s Conditional Merger Agreement. How Investor Reacted?

2021 ◽  
Vol 2 (2) ◽  
pp. 136-146
Author(s):  
Syamsuddin Syamsuddin ◽  
Versiandika Yudha Pratama
Keyword(s):  
Event Study ◽  
Stock Price ◽  
Abnormal Return ◽  
Secondary Data ◽  
T Test ◽  
Event Window ◽  
Paired Sample ◽  
Average Abnormal Return ◽  
Significant Difference ◽  
Before And After

This study aims to determine there is a difference in average abnormal return of BRI Syariah before and after the signing of the Conditional Merger Agreement (CMA), which is on October 12th, 2020. This research used event study for method and the data in this study are secondary data in the form of stock price data of BRI Syariah. The event window in this study for 11 (eleven) working days which is 5 (five) days before the event, 1 (one) day when the event occurs and 5 (five) days after the signing of the Conditional Merger Agreement (CMA) BUMN sharia bank. Meanwhile, the estimated period is set for 120 exchange days, namely at t-125 to t-6. Test conducted by paired sample t-test. The results of the paired sample t-test showed that there is no significant difference between the average abnormal return of BRI Syariah shares before and after the signing of the Conditional Merger Agreement. It can be concluded that neither the market nor investors reacted to the signing of the Conditional Merger Agreement (CMA) that occurred at BRI Syariah Bank.

scholarly journals Analisis Perbandingan Kinerja Keuangan Dan Ekonomi Sosial Bank Syariah Antara Sebelum Dan Sesudah Ditetapkannya Fatwa MUI Tentang Haramnya Bunga Bank

2017 ◽  
Vol 3 (12) ◽  
pp. 973
Author(s):  
Lia Auliah Rachmah ◽  
Nisful Laila
Keyword(s):  
Social Performance ◽  
Secondary Data ◽  
T Test ◽  
Quantitative Approach ◽  
Islamic Banks ◽  
Financial Reports ◽  
Significant Difference ◽  
Before And After

This study aims to find out the comparison between the performance of Islamic Banks including financial performances such as the ratio of ROA, ROE, FDR and CAR as wells economic and social performance such as MMR ratio before and after the determination of fatwa regarding the prohibition against bank interest. Quantitative approach and independent sample t-test has been used in this study. The data is a secondary data which was obtained by collecting the annual financial reports. The result of the independent sample t-test shows that there are significant differences between the performance of the Islamic banks before and after the fatwa on the ratio of ROE, FDR and MMR. Whereas on the ratio of ROA and CAR have no significant difference before and after the fatwa.

scholarly journals Differences in stock return, corporate value, and risk based on the SRI-KEHATI index status in Indonesia Stock Exchange

2015 ◽  
Vol 5 (2) ◽  
pp. 161
Author(s):  
Kukuh Fertion
Keyword(s):  
Stock Return ◽  
Quantitative Method ◽  
Sampling Method ◽  
Stock Exchange ◽  
Secondary Data ◽  
T Test ◽  
Corporate Value ◽  
Public Companies ◽  
Purposive Sampling ◽  
Analysis Technique

Recent studies are paid attention to see whether there is a difference among the factors related to stock in companies listed in stock exchange. Therefore, it is also salient to do the same research so that more evidence can be gathered. The purpose of this research is to find the differences in stock return, corporate value, and risk between the compa-nies listed on SRI-KEHATI Index and those, which are not listed in SRI-KEHATI Index. This research uses secondary data taken from public companies listed on Indo-nesia Stock Exchange (BEI). The population consists of the companies listed on SRI-KEHATI Index to be compared with the companies listed in Indonesia Stock Exchange (BEI) from 2010 to 2013. The purposive sampling method is used in this study accord-ing to the criteria of assessment. The quantitative method is used to analyze this study. The signaling theory is the basic theory of this research. The analysis technique is using independent sample t-test. The result indicates that there is no difference in stock return, corporate value, and risk between the companies listed and those which are not listed on SRI-KEHATI index.

scholarly journals Pengaruh Inflasi Dan BI Rate Terhadap Harga Saham Perusahaan LQ45 Pada Bursa Efek Indonesia

2021 ◽  
Vol 12 (2) ◽  
pp. 253-262
Author(s):  
Risa Ratna Gumilang ◽  
Dikdik Nadiansyah
Keyword(s):  
Significant Relationship ◽  
Stock Prices ◽  
Stock Price ◽  
Quantitative Method ◽  
Secondary Data ◽  
T Test ◽  
F Test ◽  
Company Stock ◽  
A Value ◽  
Inflation Rates

This research is motivated by a mismatch between theories regarding stock price movements that are influenced by inflation rates and BI Rate with conditions that occur in the field. In theory, when stock prices increase, it will be influenced by falling inflation and the BI Rate, and vice versa. But this is different from the conditions that occur in the field. This research aims to examine and determine the effect of inflation and BI Rate on the LQ45 company stock prices. This study uses the quantitative method by using the secondary data. From the results of the study using the t test, inflation has a tcount 0.828 and a Sig. 0.417. This shows that partially, inflation does not have a significant effect on stock prices. While the BI Rate has a value of -2.511 and a Sig. 0.020. This shows that partially, the BI Rate has a significant effect on stock prices. In correlation, inflation has a Sign value. (2-tailed) 0.068. This shows that in correlation, inflation does not have a significant relationship to the BI Rate. Simultaneously (F test), inflation and the BI Rate have a Fcount value of 5.005 and a Sig. (2-tailed) of 0.017. This shows that simultaneously, inflation and the BI Rate have a significant effect on stock prices.

scholarly journals Effectiveness Of Baby Massage On The Increase Of Baby Weight Aged 6 - 12 Months In Gayaman Village, Mojoanyar District, Mojokerto Regency

2020 ◽  
Vol 9 (2) ◽  
pp. 708-715
Author(s):  
Titiek Idayanti ◽  
Rina Widiyawati
Keyword(s):  
Health Workers ◽  
Sampling Technique ◽  
Optimal Growth ◽  
T Test ◽  
Test Results ◽  
Before And After ◽  
Study Population ◽  
The Right ◽  
Provide Health Education ◽  
Paired T Test

The study population was all babies aged 6-12 months who experienced underweight. Samples were taken using a total sampling technique of 28 respondents. Data were collected by observation and subsequently tested using paired t-test. The average change in respondents’ weight before and after the baby massage is 114 grams. Paired t-test results show ρ value = 0.011 (95% CI: -.2005 - -. 0281). ρ value = 0.011 < α = 0.05, indicating that H0 is rejected and H1 is accepted. Therefore, there is an effect of baby massage on baby growth aged 6-12 months in Gayaman Village, Mojoanyar District, Mojokerto Regency. It is recommended for health workers to provide health education regarding the way to do the right baby massage to support in providing knowledge and expertise to parents in doing baby massage independently at home to help to reach the optimal growth process, especially the baby’s weight gain.

scholarly journals ANALISIS PERBEDAAN RETURN SAHAM SEBELUM DAN SESUDAH PENGUMUMAN RIGHT ISSUE

2014 ◽  
Vol 4 (2) ◽  
pp. 121
Author(s):  
Masdalena Masdalena ◽  
Aftoni Sutanto
Keyword(s):  
Stock Returns ◽  
Stock Exchange ◽  
T Test ◽  
Test Results ◽  
Test Analysis ◽  
Event Window ◽  
Before And After ◽  
Sample Test ◽  
The Right ◽  
Rights Issue

This research aims to determine whether there are differences in stock returns before and after the announcement of the rights issue on the Indonesia Stock Exchange 2009-2013 period. This study was conducted on 43 companies listed in the Indonesia Stock Exchange right issues in the year 2009 to 2013, with a purposive sampling method. This research used the t-test analysis test by way Paired Sample Test with the observation period (event window) there are 20 days, t-10 (10 days prior to the announcement of the rights issue) and t + 10 (10 days after the announcement of the right issue). The announcement of the test results are known to contain information because the announcement led to market tereaksinya indicated by the presence pf abnormal return that occurred and the results of t-test menunjukkan significance value 0.036<α0.05 to distinction stock returns 10 days prior to the stock return 10 days after the announcement of the right issue. This that information is not leaked.

scholarly journals Perbandingan Financial Distress Bank Syariah Di Indonesia Dan Bank Islam Di Malaysia Sebelum Dan Sesudah Krisis Global 2008 Menggunakan Model Altman ZScore

2017 ◽  
Vol 3 (11) ◽  
pp. 900
Author(s):  
Siti Zulaikah ◽  
Nisful Laila
Keyword(s):  
Financial Distress ◽  
Quantitative Method ◽  
T Test ◽  
Islamic Banks ◽  
Z Score ◽  
Global Crisis ◽  
Significance Level ◽  
Purposive Sampling ◽  
Significant Difference ◽  
Before And After

This study aims to find out the comparison between the prediction of financial distress of Islamic Banks in Indonesia and that of Islamic Banks in Malaysia before and after the global crisis 2008 using quantitative method and purposive sampling. The prediction of financial distress was done by using Altman Z-score measuring. The technique used to examine the financial distress is Mann-Whitney, and for those after the crisis were examined using Independent sample T-test. The result of this research shows that there is a significant difference between Islamic banks in Indonesia and those in Malaysia either before or after the global crisis 2008 with 5% significance level. The Islamic banks in Indonesia are in secure zone either before or after the crisis. However, the Islamic banks in Malaysia are in grey areawhich cannot be made sure of the bankruptcy either before or after the crisis.

scholarly journals Financial Inclusion in Ethiopia: Is It on the Right Track?

2020 ◽  
Vol 8 (2) ◽  
pp. 28 ◽  
Author(s):  
Tekeste Berhanu Lakew ◽  
Hossein Azadi
Keyword(s):  
Financial Institutions ◽  
Low Income ◽  
Secondary Data ◽  
Financial Inclusion ◽  
East African ◽  
African Countries ◽  
Regulatory Guidelines ◽  
The Government ◽  
The Right ◽  
The Impact

It is important to evaluate the impact of Ethiopia’s financial inclusion strategy since it has been launched in 2014. Accordingly, this paper assesses the extent to which the target has been met. The main aim of this study is to measure the success or failure of Ethiopia’s financial inclusion in comparison with other countries in East Africa. Using secondary data, this study revealed that Ethiopia’s financial inclusion is not as successful as other East African countries. This study also found that Ethiopians prefer informal saving clubs rather than formal financial organs. This preference, combined with unemployment and low income, is the barrier to the financial inclusion strategy. Based on the findings, identifying and addressing root causes should be done by removing distance, cost, credit, and documentation barriers. Moreover, the findings showed that access to public transit can also expand the reach of formal financial institutions by encouraging more people to physically access financial institutions. This study recommended access to formal financial organs as a core to financial institutions. Access to formal financial organs should be boosted through increasing financial institutions. Educating individuals about their financial circumstances were also recommended so that people can increase their formal saving uptake. This paper also recommended that the government develop regulatory guidelines for the functioning of financial institutions. The main outcome, therefore, is that financial institutions could be more transparent and predictable, reduce costs, and simplify the rules for entering the market.

scholarly journals Analisis Kinerja Keuangan Perusahaan Sebelum dan Sesudah Right Issue di BEI

2018 ◽  
Vol 7 (3) ◽  
pp. 1623
Author(s):  
Guido Gian Layuk Runtung ◽  
I Putu Yadnya
Keyword(s):  
Data Analysis ◽  
Financial Performance ◽  
Research Data ◽  
T Test ◽  
Financial Ratios ◽  
Paired Sample ◽  
Analysis Technique ◽  
Significant Difference ◽  
Before And After ◽  
The Right

The Purpose of this study was to analyze the diffrences in financial performance before and after right issue. Right issue a corporate action by the company by issuing new shares offered to existing shareholders. Sampling in this study using method purposive sampling. The samples in this research are 33 companies that conduct period 2011 – 2015. The financial performance in will be analysis through the five financial ratios namely CR, DER, TAT, ROA, and PER. This research data analysis technique using paired sample t test and Wilcoxon signed ranks test. The results showed that significant diffrences in TAT ratio before and after the right issue. While the research for the ratios of CR, DER, ROA, and PER showed no significant difference before and after right issue. These result indicate that the company’s financial performance two years after the right issue is more efficient in utilizing company’s assets in order to increase sales.

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