Analisa Faktor Internal Penyebab NPL Kredit Mikro

2020 ◽  
Vol 1 (1) ◽  
pp. 46-58
Author(s):  
Faisal Salistia
Keyword(s):  
Linear Regression ◽  
Research Method ◽  
Standard Procedure ◽  
Economic Conditions ◽  
Survey Method ◽  
Business Units ◽  
Internal Condition ◽  
Regression Approach ◽  
Credit Analysis

The role of BPRs in providing capital assistance to MSME business units, still has to deal with the internal management of the bank's own management. This must be understood because one of the factors to assess the health of a BPR is to look at the NPL (Non- Performing Loan) ratio, calculated from the total loans that fall into the non-current category, divided by the total credit given. Where is the maximum ratio determined by Bank Indonesia, which is below 5%. This means that if a BPR has an NPL ratio above 5%, then it can be assumed that there is a failure in implementing an inefficient and ineffective lending strategy. Therefore, it is necessary to examine the factors that influence the high NPL of rural banks (BPR), especially from credit lending strategies. In addition, economic conditions and business competition and forecasting of future conditions, conduct training for AO to sharpen credit analysis, ensure that the process of submission and disbursement of credit quickly and easily provides various alternative options for debtors to pay their credit, providing standard procedure for granting credit, conducting a survey of the place of business against the submission of business credit. The research objective is to analyze 1) the influence of BP's internal conditions on the lending strategy. 2) Analyzing the effect of Credit Giving Strategy on Non-Performing Loans. The research method uses a survey method with a multiple linear regression approach to obtain information on the influence of both of these. The results of the study show that 1) the internal condition of the BPR has a positive and significant effect on the lending strategy (the condition of the organization within the organization and formally has direct and specific implications on BPR). 2) that the lending strategy has a negative and significant effect on NPL. The lending strategy applied by BPRs is a means to control the development of credit thrown into the market by the BPR.

Analisa Faktor Internal Penyebab NPL Kredit Mikro: Studi Kasus PT BPR Wahana Sentra Artha Majalengka

2018 ◽  
Vol 1 (1) ◽  
pp. 49-60
Author(s):  
Faisal Salistia
Keyword(s):  
Linear Regression ◽  
Research Method ◽  
Standard Procedure ◽  
Economic Conditions ◽  
Survey Method ◽  
Business Units ◽  
Internal Condition ◽  
Regression Approach ◽  
Credit Analysis

The role of BPRs in providing capital assistance to MSME business units, still has to deal with the internal management of the bank's own management.  This must be understood because  one of  the factors  to assess  the health  of  a  BPR is to look at the NPL (Non- Performing Loan) ratio, calculated from the total loans that fall into the non -current category, divided by the total credit given. Where is the maximum ratio determined by Bank Indonesia, which is below 5%. This means that if  a BPR has an NPL ratio above 5%, then it can be assumed that there is a failure in implementing an inefficient and ineffective lending strategy. Therefore, it is necessary to examine the factors that influence the high NPL of rural banks (BPR), especially  from  credit  lending  strategies.  In  addition,  economic conditions  and business competition and forecasting of future conditions, conduct training for AO to sharpen credit analysis, ensure that the process of submission and disbursement of credit quickly and easily provides various alternative options for debtors to pay their credit, providing standard procedure for  granting credit, conducting  a  survey of  the place of  business against the submission of business credit. The research objective is to analyze 1) the influence of BP's internal conditions on the lending strategy. 2) Analyzing the effect of Credit Giving Strategy  on Non -Performing Loans. The research method uses a survey method with a multiple linear  regression approach to obtain information on the influence of both of these. The results of the study show that 1) the internal condition of the BPR has a positive and significant effect on the lending strategy (the condition  of the organization  within the organization and formally has direct and specific implications on BPR). 2) that the lending strategy has a negative and significant effect on NPL. The lending strategy applied by BPRs is a means to control the development of credit thrown into the market by the BPR.

scholarly journals PENERAPAN INFORMASI AKUNTANSI DIFERENSIAL DALAM PENGAMBILAN KEPUTUSAN MEMBELI ATAU MEMBUAT SENDIRI PRODUK SETENGAH JADI PADA UD. BERKAT ANUGERAH

2013 ◽  
Vol 8 (4) ◽  
Author(s):  
Phamela D Tampubolon ◽  
David Paul Elia Saerang ◽  
Agus Toni Poputra
Keyword(s):  
Research Method ◽  
Accounting Information ◽  
Third Party ◽  
Economic Conditions ◽  
Short Term ◽  
Descriptive Research ◽  
Course Of Action ◽  
Management Measure ◽  
The Cost

Amid competition is so rapid and uncertain economic conditions, every company is required to be more efficient in order tobe more efficient in orderto survive and all of it can not be separated from the role of management.  Management measure which is occupied to measure the success or failure of the company is profit. To produce an efficient profit differential accounting information requires management to select the best course of action among alternatives available. The purpose of this study is to analyze the application of differential accounting information in the decision to buy or make your own semi-finished products on UD. Berkat Anugerah. This study uses a descriptive research method. The result of the analysis of research conducted on UD. Berkat Anugerah seen from the cost accounting showed diferential role in the short-term decision making, where the company should buy semi-finished products from third party cost incurred due to lower than producing its own.

scholarly journals PENGARUH PERAN KELOMPOK TANI TERHADAP KOHESIVITAS DI KELOMPOK TANI TRANGGULASI DESA BATUR, KECAMATAN GETASAN, KABUPATEN SEMARANG

2020 ◽  
Vol 14 (1) ◽  
pp. 28
Author(s):  
Eunice Gabriella ◽  
Sriroso Satmoko ◽  
Dyah Mardiningsih
Keyword(s):  
Linear Regression ◽  
Multiple Linear Regression ◽  
Farming System ◽  
The Other ◽  
Survey Method ◽  
Regression Test ◽  
Organic Vegetables ◽  
Vegetable Farming ◽  
Farmer Groups

The advanced farmer group that have many members, did not guarantee that the members of the group has intemacy value. Closed relation farmer members group would be shown by the strength of the farmer group role. The research aim was to identify the farmer groups role and the cohesiveness of organic vegetable farming system. The other research aim was to analyze the role of farmers groups influence on the cohesiveness of Tranggulasi organic vegetables farming system. The research was conducted at Tranggulasi farmer group, Desa Batur on 12-29 Mey 2018. Survey method was used and samples were conducted with 32 people of active members in farmer gtoup. The results showed that the farmer groups roles as learning class was in good category with percentage 53%, coorperation action was 63%, and unit of production was 69%. The cohesiveness of organic vegetable farming was good category with percentage 81%. Multiple linear regression test showed that the learning class, cooperation action, and unit of production, has significant effect on the cohesiveness of organic vegetable farming.

scholarly journals DIVERSIFIKASI KREDIT, MONITORING, DAN KINERJA PERBANKAN DI INDONESIA

2020 ◽  
Vol 6 (1) ◽  
Author(s):  
Iin Emy Prastiwi ◽  
Anik Anik Anik
Keyword(s):  
Credit Risk ◽  
Research Method ◽  
Monitoring And Evaluation ◽  
Diversification Strategy ◽  
Bank Profitability ◽  
The Government ◽  
The Right ◽  
Banking Credit ◽  
Credit Analysis

ABSTRACT This study aims to determine the banking credit diversification strategy that can control credit risk and credit diversification can increase the profitability of banks in Indonesia. This study also aims to discuss the role of monitoring in the implementation of diversification and its impact on the performance of Indonesian banks. The theoretical benefits of this research contribute to banks, especially in evaluating banking diversification strategy policies. Is the credit diversification strategy can reduce credit risk and improve banking performance or vice versa. For customers / investors, this research is one of the information that can be considered in choosing a safe bank in terms of the level of credit risk and bank profitability. This research method uses descriptive qualitative analysis. The results of this study indicate that credit diversification is the right strategy applied to banks in Indonesia. The government needs to implement further policies that support the implementation of credit diversification, such as conducting credit analysis, monitoring and evaluation.

The Influence of the Role of Agricultural Extension Agents on the Socio-Economic Conditions of Farmers in "Ngawi" Farmers Groups in Kumpai Batu Atas Village, South Arut District, West Kotawaringin Regency

AGRIFOR ◽  
2019 ◽  
Vol 18 (1) ◽  
pp. 13
Author(s):  
Shofiyah Shofiyah ◽  
Risca Permatasari ◽  
Aminatun Aminatun
Keyword(s):  
Regression Analysis ◽  
Linear Regression ◽  
Multiple Linear Regression ◽  
Linear Regression Analysis ◽  
Agricultural Extension ◽  
Multiple Linear Regression Analysis ◽  
Economic Conditions ◽  
Primary Data ◽  
Extension Agents

This research was carried out in Kumpai Batu Atas Village, South Arut District, Kotawaringin Barat Regency. This study aims to determine the influence of the role of agricultural extension agents on the socio-economic conditions of farmers. Data analysis method uses Likert scale, descriptive analysis, multiple linear regression analysis, f-test and determination coefficient. The data collected in this study are primary data and secondary data.The socio-economic conditions of farmers in "ngawi" farmer groups consist of the age of farmers 30-40 years (12%), 41-50 years (24%), 51-60 years (48%); education consists of elementary school (64%), junior high school (32%), S1 (4%); income level range <Rp. 1,500,000 (34%), Rp. 1,500,000 - Rp. 2,500,000 (64%),> Rp. 2,500,000 - Rp. 3,000,000 (12%) and the work of the farmer respondent all (100%) earns a living as farmer.                 The results showed the hypothesis testing together had a fcount of 0.087 smaller than the value of ftabel of 3.44 which means that Ha was rejected and H0 was accepted, this indicates that the independent variable includes the factors of instructor as educator, facilitator and supervisor together- the same does not affect the dependent variable, namely the socio-economic conditions of the farmers. Based on the results of multiple linear regression analysis obtained equation Y = 1.64 + 0.35 X1 + 0.13 X2 + 0.05 X3 + e which indicates a positive influence between the instructor factors as educators, facilitators and supervisors on the social economic conditions of farmers. The coefficient of determination (R2) obtained shows that 11.1% of socioeconomic conditions can be influenced by the extension factor as an educator, facilitator and supervisor.

scholarly journals Prediction of fecal indicator organism concentrations in rivers: the shifting role of environmental factors under varying flow conditions

2019 ◽  
Vol 31 (1) ◽  
Author(s):  
Ilona Herrig ◽  
Wolfgang Seis ◽  
Helmut Fischer ◽  
Julia Regnery ◽  
Werner Manz ◽  
...  
Keyword(s):  
Water Quality ◽  
Linear Regression ◽  
Fecal Indicators ◽  
Flow Conditions ◽  
Fecal Indicator ◽  
Microbial Water Quality ◽  
Bacterial Indicator ◽  
Regression Approach ◽  
Riverine Systems

Abstract Background Fecal indicator organisms such as Escherichia coli, enterococci, and coliphages are important to assess, monitor, and predict microbial water quality in natural freshwater ecosystems. To improve predictive modelling of fecal indicators in surface waters, it is vital to assess the influence of autochthonous and allochthonous environmental factors on microbial water quality in riverine systems. To better understand how environmental conditions influence the fate of fecal indicators under varying weather conditions, the interdependencies of environmental parameters and concentrations of E. coli, intestinal enterococci, and somatic coliphages were studied at two rivers (Rhine and Moselle in Rhineland-Palatinate, Germany) over a period of 2 years that exhibited contrasting hydrological conditions. Both riverine sampling sites were subject to similar meteorological conditions based on spatial proximity, but differed in hydrodynamics and hydrochemistry, thus providing further insight into the role of river-specific determinants on fecal indicator concentrations. Furthermore, a Bayesian multiple linear regression approach that complies with the European Bathing Water Directive was applied to both rivers’ datasets to test model transferability and the validity of microbial water quality predictions in riverine systems under varying flow regimes. Results According to multivariate statistical analyses, rainfall events and high water discharge favored the input and dissemination of fecal indicators in both rivers. As expected, concentrations declined with rising global solar irradiance, water temperature, and pH. While variations in coliphage concentrations were predominantly driven by hydro-meteorological factors, bacterial indicator concentrations were strongly influenced by autochthonous biotic factors related to primary production. This was more pronounced under low flow conditions accompanied by strong phytoplankton blooms. Strong seasonal variations pointed towards bacterial indicator losses due to grazing activities. The Bayesian linear regression approach provided appropriate water quality predictions at the Rhine sampling site based on discharge, global solar irradiance, and rainfall as fecal indicator distributions were predominantly driven by hydro-meteorological factors. Conclusions Assessment of microbial water quality predictions implied that rivers characterized by strong hydrodynamics qualify for multiple linear regression models using readily measurable hydro-meteorological parameters. In rivers where trophic interactions exceed hydrodynamic influences, such as the Moselle, viral indicators may pose a more reliable response variable in statistical models.

scholarly journals The role of internal and external factors in the performance of brazilian companies and its evolution between 1990 and 2003

2006 ◽  
Vol 10 (spe) ◽  
pp. 117-136 ◽  
Author(s):  
André Ribeiro Gonçalves ◽  
Rogério H Quintella
Keyword(s):  
External Factors ◽  
Economic Conditions ◽  
Factors Associated ◽  
Business Units ◽  
Economic Climate ◽  
The Many ◽  
Internal And External Factors ◽  
Over Time

This work studies the variance of the return over assets (ROA) of 1,664 Brazilian organizations between 1996 and 2003. This variance is divided into in factors associated with differences between business units, imdustries and economic conditions. The model is also calculated dividing the overall period into four year intervals so as to follow the evolution of the factors over the years. Results show that the main source of the variation in the performance can be attributed to differences among companies. The weight of this element increases over time. Surprisingly, considering the many and frequent crises suffered in the last couple of years, the role of the economic climate is slight and similar to that found by other authors for the American market.

scholarly journals PENGARUH MANAJEMEN ASET TERHADAP OPTIMALISASI PEMANFATAAN ASET TETAP BADAN PENGELOLAAN KEUANGAN DAN ASET DAERAH KABUPATEN TANAH BUMBU

KINDAI ◽  
2021 ◽  
Vol 16 (3) ◽  
pp. 523-541
Author(s):  
Muhammad Ridwan
Keyword(s):  
Regression Analysis ◽  
Linear Regression ◽  
Multiple Linear Regression ◽  
Asset Management ◽  
Research Method ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Survey Method ◽  
Management Agency ◽  
Fixed Assets

Abstract. This study aims to determine and analyze the Influence of inventory, legal audit and asset assessment in partially and simultaneously to the optimization of fixed assets in the Regional Financial and Asset Management Agency of Tanah Bumbu Regency. This research method uses a survey method with 63 respondents and then analyzes the data using the instrument test and multiple linear regression analysis. The results showed that the Inventory has a partial influence to the optimization of fixed assets, which is indicated by t count as 9,122. Legal audit partially influences to the optimization of fixed assets, which is indicated by t count as 8.452. The asset assessment has a partial Influence to the optimization of fixed assets, which is indicated by t count as 2.513. Inventory, Legal audit and Asset Assessments are simultaneously influence to the optimization of fixed assets in the Regional Financial and Asset Management Agency of Tanah Bumbu Regency, which is indicated by F count as 81.750.   Keywords: Inventory, Legal audit, Asset Assessment and Optimization of fixed assets.   Abstrak. Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh inventarisasi, legal audit dan penilaian secara parsial dan secara simultan terhadap optimalisasi aset tetap di Badan Pengelolaan Keuangan dan Aset Daerah Kabupaten Tanah Bumbu. Metode penelitian ini menggunakan metode survey dengan jumlah responden sebanyak 63 orang kemudian dilakukan analisis data dengan menggunakan uji instrument dan analisis regresi liniear berganda. Hasil penelitian menunjukkan bahwa Inventarisasi berpengaruh secara parsial terhadap optimalisasi aset tetap yang ditunjukkan dengan nilai t hitung sebesar 9,122. Legal audit berpengaruh secara parsial terhadap optimalisasi aset tetap yang ditunjukkan dengan nilai t hitung sebesar 8,452. Penilaian berpengaruh secara parsial terhadap optimalisasi aset tetap yang ditunjukkan dengan nilai t hitung sebesar 2,513. Inventarisasi, Legal audit dan Penilaian berpengaruh secara simultan terhadap optimalisasi aset tetap Badan pengelolaan keuangan dan aset daerah yang ditunjukkan dengan nilai F hitung sebesar 81,750.   Kata kunci: Inventarisasi, Legal audit, Penilaian dan Optimalisasi Aset

scholarly journals Faktor-Faktor Non-Performing Financing (NPF) di Bank Umum Syariah Indonesia

2020 ◽  
Vol 24 (3) ◽  
pp. 452
Author(s):  
Khofidlotur Rofi’ah, Alvira ‘Aina A’yun
Keyword(s):  
Linear Regression ◽  
Research Method ◽  
Quantitative Research ◽  
Data Series ◽  
Monthly Data ◽  
Independent Variables ◽  
Regression Approach

The bank's task is as an intermediary institution that is funding and lending. OJK Data shows that each year financing in Sharia banks continues to increase. Therefore sharia banking should prevent the minimum financing to occur and be obliged to know what the factors of the NPF are in order to maintain banking health. The purpose of this research is to know the NPF factors in Indonesia's Sharia bank. The research method used in this research is to use quantitative research with a double linear regression approach. The data used in this study was a monthly data series from the year 2014-2018. The variables used in this study are NPF as variable dependent and CAR, FDR, inflation, SBIS, BOPO as independent variables. The result in the study was the CAR and FDR impactful negative and significant to the NPF, inflation and SBIS impact negative and insignificant, while BOPO influential positive and significant.

scholarly journals Pelaksanaan Program Praktek Kerja Industri Dalam Penguasaan Kompetensi Keahlian Administrasi Perkantoran

2019 ◽  
Vol 4 (2) ◽  
pp. 264
Author(s):  
Rika Lisnawati ◽  
Adman Adman
Keyword(s):  
Data Analysis ◽  
Linear Regression ◽  
Research Method ◽  
Survey Method ◽  
Simple Linear Regression ◽  
Industrial Work ◽  
Analysis Technique ◽  
Regression Test ◽  
Work Programs ◽  
And Control

This research is motivated by low level of competency skill of Office Administration skill by learner on Office Administration. The purpose of this study is to obtain a description of the effectiveness of the implementation of industrial work programs, obtain a description of the level of control of the competence of office administration expertise by learners, and to determine whether there is influence from the effectiveness of the implementation of industrial work programs to mastering the competence of administrative office skills by participants educate. This study uses a quantitative approach. The research method used is explanatory survey method. Data collection techniques were conducted through questionnaires. Members of the sample are 58 learners who have implemented prakerin program on Office Administration. Data analysis technique used in this research is simple linear regression test. Based on the results of research, obtained information that the implementation of industrial work programs in the category of very effective and control of the competence of office administration by students are in the high category. In addition, the results of the study prove that there is a positive and significant influence between the effectiveness of prakerin implementation to the mastery of the competence of office administration expertise by the learners of 17.78% in the Office Administration. Based on the results of the research, the authors suggest that the parties involved in the implementation of prakerin maintain and or improve the effectiveness of prakerin implementation in order to improve the mastery of the competence of administrative skills of the Office by the learners, especially in the supervision and guidance by the school / industry supervisor / mentor to the participants educated during prakerin implementation.ABSTRAKPenelitian ini dilatarbelakangi rendahnya tingkat penguasaan kompetensi keahlian Administrasi Perkantoran oleh peserta didik pada Program Keahlian Administrasi Perkantoran. Tujuan dari penelitian ini adalah untuk memperoleh gambaran mengenai efektivitas pelaksanaan program praktek kerja industri, memperoleh gambaran mengenai tingkat penguasaan kompetensi keahlian administrasi perkantoran oleh peserta didik, dan untuk mengetahui apakah ada pengaruh dari efektivitas pelaksanaan program praktek kerja industri terhadap penguasaan kompetensi keahlian administrasi perkantoran oleh peserta didik. Penelitian ini menggunakan pendekatan kuantitatif. Metode penelitian yang digunakan adalah metode survey eksplanasi. Teknik pengumpulan data dilakukan melalui kuesioner. Anggota sampel yaitu 58 peserta didik yang sudah melaksanakan program prakerin pada Program Keahlian Administrasi Perkantoran. Teknik analisis data yang digunakan dalam penelitian adalah uji regresi linier sederhana. Berdasarkan hasil penelitian, didapatkan informasi bahwa pelaksanaan program praktek kerja industri berada pada kategori sangat efektif dan penguasaan kompetensi administrasi perkantoran oleh peserta didik berada pada kategori tinggi. Selain itu, hasil penelitian membuktikan bahwa terdapat pengaruh yang positif dan signifikan antara efektivitas pelaksanaan prakerin terhadap penguasaan kompetensi keahlian administrasi perkantoran oleh peserta didik sebesar 17,78% pada pada Program Keahlian Administrasi Perkantoran. Berdasarkan hasil penelitian, maka sarannya adalah  agar pihak-pihak yang terlibat dalam pelaksanaan prakerin mempertahankan dan atau meningkatkan efektivitas pelaksanaan prakerin guna meningkatkan penguasaan kompetensi keahlian Administrasi Perkantoran oleh peserta didik terutama dalam aspek pengawasan dan bimbingan oleh tenaga/pembimbing dari pihak sekolah dan industri terhadap peserta didik selama pelaksanaan prakerin.

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