scholarly journals Non-Performing Loan Determinants during COVID-19 Pandemic (Case Study at Bank XYZ)

2021 ◽  
Vol 8 (12) ◽  
pp. 301-310
Author(s):  
Didi Suradi ◽  
Hermanto Siregar ◽  
Bagus Sartono
Keyword(s):  
Exchange Rate ◽  
Linear Regression ◽  
Multiple Linear Regression ◽  
Small And Medium Enterprises ◽  
External Factors ◽  
Business Sector ◽  
Net Interest Margin ◽  
Medium Enterprise ◽  
Medium Enterprises ◽  
Interest Margin

Non-Performing Loans (NPL) is a financial ratio that shows the credit risk faced as a result of granting credit and investment funds on different portfolios. This study aimed to analyze the determinants of Non-Performing Loans (NPL) before and during the Covid 19 pandemic at Bank XYZ. NPL can be caused by internal or external factors from Bank XYZ. The analytical method used is the Mixed method which combines quantitative and qualitative analysis. Data analysis used multiple linear regression method using time series data for the 1st quarter of 2013- 4th quarter of 2020. The analysis method used multiple linear regression to see the influence of internal factors are total credit, Return on Equity, Loan to Deposit Ratio, Net Interest Margin, total assets, BOPO, condition dummy before after transformation and external factors are Benchmark Interest Rate, exchange rate (exchange rate), Inflation, Industry Production Index, dummy conditions before and during the Covid 19 pandemic on Bank XYZ's NPL. The estimated regressions are the overall NPL, the Small Medium Enterprise (SME) Business Segment NPL, the Small Medium Enterprise (SME) Business Segment for the wholesales business sector, and the Small Medium Enterprise (SME) Business Segment NPL for the Retailer business sector. Data processing using E-views software version 9.0. The result of this research are factors that affect the overall NPL: Dummy Transformation, Net Interest Margin, and total assets, for the NPL for the Small and Medium Enterprises (SME) segment: total assets, dummy transformation and Net Interest Margin (NIM), NPL for the Small and Medium Enterprises (SME) business sector Wholesales: BOPO NIM, Lending growth, total assets, ROE and Dummy Transformation, for the NPL segment of Small and Medium Enterprises (SMEs) Retailer business sector: Net Interest Margin (NIM) and total assets. The impact of the COVID-19 pandemic on NPLs was most felt by the NPL all, SME business segment credit and the wholesales business sector. Keywords: covid-19 pandemic, NPL, NPL SME, retailer, wholesales.

scholarly journals PENGARUH PROFITABILITAS, UKURAN PERUSAHAAN DAN INFLASI TERHADAP RISIKO KREDIT BANK PERSERO PERIODE 2014-2018

account ◽  
2020 ◽  
Vol 6 (2) ◽  
Author(s):  
Novi Arina Nainggolan ◽  
Frianto Pandia ◽  
Ansori Ansori
Keyword(s):  
Regression Analysis ◽  
Linear Regression ◽  
Credit Risk ◽  
Multiple Linear Regression ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Analysis Method ◽  
Net Interest Margin ◽  
Positive Effect ◽  
Interest Margin

PENGARUH PROFITABILITAS, UKURAN PERUSAHAAN DAN INFLASI TERHADAP RISIKO KREDIT BANK PERSERO PERIODE 2014-2018Novi Arina [email protected] [email protected] [email protected] Studi Keuangan dan Perbankan Terapan Politeknik Negeri Jakarta   ABSTRACT This study examines the effect of profitability, bank size and inflation on credit risk PerseroBank period 2014-2018. Indicators used are Net Interest Margin (NIM), Bank Size, Inflation and NonPerforming Loan (NPL). The analysis method used in multiple linear regression analysis processedby using SPSS 25. The result of this study partially indicate that the profitability has positivesignificant effect on credit risk and inflation has negative significant effect on credit risk, while banksize has positive effect but no significant on credit risk. Simultaneously profitability, bank size andinflation have significant effect on credit risk of 56,2% and the remaining 43,8% is required by othervariables not used in this study.   Keywords: Profitability, Bank Size, Inflation, Credit Risk  ABSTRAKPenelitian ini bertujuan untuk mengetahui pengaruh profitabilitas, ukuran perusahaan daninflasi terhadap risiko kredit bank persero di Indonesia periode 2014-2018. Indikator yang digunakanadalah Net Interest Margin (NIM), Bank Size Inflasi dan Non Performing Loan (NPL). Metodeanalisis yang digunakan adalah analisis regresi linear berganda yang diolah dengan menggunakanprogram SPSS 25. Hasil penelitian ini secara parsial menunjukkan bahwa profitabilitas berpengaruhpositif signifikan terhadap risiko kredit serta ukuran perusahaan tidak berpengaruh signifikan terhadaprisiko kredit. Sedangkan inflasi berpengaruh negatif signifikan terhadap risiko kredit. Secara simultanprofitabilitas, ukuran perusahaan dan inflasi berpengaruh signifikan terhadap risiko kredit sebesar56,2%  dan sisanya sebesar 43,8% dipengaruhi oleh variabel lain yang tidak digunakan dalampenelitian ini. Kata kunci: profitabilitas, ukuran perusahaan, inflasi dan risiko kredit

scholarly journals FAKTOR FAKTOR YANG MEMPENGARUHI PENDAPATAN UMKM PANDAN WANGI DI DESA TUMBAKBAYUH KECAMATAN MENGWI KABUPATEN BADUNG

2020 ◽  
Vol 2 (1) ◽  
pp. 67-73
Author(s):  
I Made Hary Kusmawan ◽  
Ni Putu Juniari
Keyword(s):  
Linear Regression ◽  
Multiple Linear Regression ◽  
Small And Medium Enterprises ◽  
Simultaneous Effect ◽  
Analysis Technique ◽  
Saturated Sample ◽  
Medium Enterprises ◽  
Sample Method ◽  
The Village

Micro, Small and Medium Enterprises (MSMEs) are an important part of a country's economy. This important role has encouraged many countries including Indonesia to continue to strive to develop MSMEs. The objectives of this study were(1) To determine whether the length of business had a partial effect on the income of Pandan Wangi MSMEs in Tumbakbayuh Village, Mengwi District, Badung Regency, (2) To determine whether the number of workers had a partial effect on the income of Pandan Wangi MSMEs in the Village. Tumbakbayuh, Mengwi District, Badung Regency, and (3) To find out whether the length of effort and the number of workers have a simultaneous effect on the income of Pandan Wangi MSMEs in Tumbakbayuh Village, Mengwi District, Badung Regency. The samples in this study were all Pandan Wangi SMEs in Tumbakbayuh Village, Mengwi District, Badung Regency using the saturated sample method, with the analysis technique using multiple linear regression. Based on the results of the analysis of the length of business, it has a partial effect on the income of SMEs Pandan Wangi in Tumbakbayuh Village, Mengwi District, Badung Regency, because the t-count value is greater than the t-table value or the -t-count value is smaller than the -t table value, the number of workers has a partial effect. on the income of Pandan Wangi MSMEs in Tumbakbayuh Village, Mengwi District, Badung Regency, because the t count value is greater than the t table value or the -t count value is smaller than the -t table value, the length of business and the number of workers have a simultaneous effect on the income of MSMEs Pandan Wangi in Tumbakbayuh Village, Mengwi District, Badung Regency, because the calculated F value is greater than the F table value.

scholarly journals The Influence of Training, Education and Assistance on UMKM Revenues in the Technical Executing Unit (TEU) PLUT of Micro and Small and Medium Enterprises Cooperatives South Sulawesi Province

2019 ◽  
Vol 1 (1) ◽  
pp. 22-32
Author(s):  
Muhammad Batri
Keyword(s):  
Linear Regression ◽  
Multiple Linear Regression ◽  
Small Businesses ◽  
Small And Medium Enterprises ◽  
Existing Problems ◽  
South Sulawesi ◽  
Medium Enterprises

Micro, Small and Medium Enterprises (MSMEs) in Makassar City are growing and increasing, but there are also some that do not survive the existing problems. This study aims to (1) to determine the effect of training, education and mentoring partially on the income of Micro and Small and Medium Enterprises in the Technical Executing Unit (TEU) PLUT of Micro and Small and Medium Enterprises Cooperatives of South Sulawesi Province; (2) to determine the effect of training, education and assistance simultaneously on the income of Micro and Small and Medium Enterprises in Technical Executing Unit (TEU) PLUT of Micro and Small and Medium Enterprises Cooperatives in South Sulawesi Province (3) to find out the most dominant variables affecting the income of Micro and Small Businesses in Technical Executing Unit (TEU) PLUT of Micro and Small and Medium Enterprises Cooperatives in South Sulawesi Province. The data of this study were obtained through a questionnaire by taking 70 respondents. Analysis of the data used in this study is Multiple Linear Regression using SPSS version 22. The results of this study indicate that the variables of training, education and mentoring have a positive and significant effect partially and simultaneously on the income of Micro and Small and Medium Enterprises in the Technical Executing Unit (TEU) PLUT of Micro and Small and Medium Enterprises Cooperatives in South Sulawesi Province. The most dominant variable influencing the income of Small and Medium Enterprises in Technical Executing Unit (TEU) PLUT of Micro and Small and Medium Enterprises Cooperatives in South Sulawesi Province is 'Training'.  

scholarly journals Pengaruh Dimensi Keadilan, Sosialisasi Pajak, Sanksi Pajak, Penghasilan Wajib Pajak dan Pemeriksaan Pajak Terhadap Kepatuhan WPOP UMKM

2019 ◽  
Vol 28 (2) ◽  
pp. 1550
Author(s):  
Putu Nadiani Putri Utama ◽  
Putu Ery Setiawan
Keyword(s):  
Linear Regression ◽  
Theory Of Planned Behavior ◽  
Multiple Linear Regression ◽  
Attribution Theory ◽  
Income Tax ◽  
Research Method ◽  
Small And Medium Enterprises ◽  
Test Analysis ◽  
Tax Audit ◽  
Medium Enterprises

This study aims to determine the effect of the dimensions of justice, socialization of taxes, tax sanctions, income taxpayers, and tax audits of individual taxpayer compliance Micro, Small and Medium Enterprises (MSMEs) registered at the Pratama Tax Service Office (KPP) Gianyar in 2017. The theories used in this study are Attribution Theory and Theory of Planned Behavior. A total of 100 MSME Personal Taxpayers registered at KPP Pratama Gianyar were selected as respondents using the Slovin formula. The research method used was accidental sampling using media questionnaires and technical analysis of the data of this study using classical assumption test analysis and multiple linear regression. The results of this study indicate that the dimensions of justice, tax socialization, tax sanctions, income of taxpayers, and tax audits have a positive and significant effect on taxpayer compliance with individual SMEs. Keywords: UMKM taxpayer compliance, dimensions of justice, socialization, sanctions, income, tax audit.

scholarly journals AN ANALYSIS OF FACTOR THAT INFLUENCE THE LEVEL OF KNOWLEDGE OF SMES ABOUT ACCOUNTING OF SMES (A CASE STUDI AT SMES IN SUBANG REGENCY)

2019 ◽  
pp. 15
Author(s):  
Virly Ramdhani ◽  
Sri Mulyati ◽  
Trisandi Eka Putri
Keyword(s):  
Regression Analysis ◽  
Linear Regression ◽  
Multiple Linear Regression ◽  
Small And Medium Enterprises ◽  
Linear Regression Analysis ◽  
Research Result ◽  
Multiple Linear Regression Analysis ◽  
Analysis Tool ◽  
Knowledge Level ◽  
Medium Enterprises

The economy in Indonesia is dominated by small and medium enterprises (SMEs), so some opinion state that small and medium enterprises (SMEs) are able to increase nation’s economic system from both income and employment. Institute of Indonesia Chartered Accountants created a new Financial Accounting Standards (FAS) to facilitate SMEs in making financial reports that SAK EMKM (Micro Small and Medium Entities) made more simple than SAK ETAP. The research method undertaken by the author in this paper is quantitative descriptive method using multiple linear regression analysis tool, the survey was conducted to 100 respondents of SMEs in Subang district. The data used are ordinal and interval data. Statistical methods for testing the data author used the SPSS 22 program. By using multiple linear regression analysis obtained equation Y = 2,189 + 0,091X1 + 0,031X2 + 0,418X3 + 0,163X4 - 0,047X5 + 0,004X6 + e. From the research result, it is known that social environment and cultural environment and economic variables have significant effect to knowledge level of Accounting of SMEs, while education, information / mass media, experience, and age variables have no effect on knowledge level of Accounting of SMEs. These variables simultaneously affect the knowledge level of Accounting of SMEs.

scholarly journals The Effect of the Application of Total Quality Management, Supply Chain Management, and Entrepreneurship Orientation on Operational Performance

2021 ◽  
Vol 3 (1) ◽  
pp. 63-72
Author(s):  
Siti Nur Latifah ◽  
Wijayanti Wijayanti ◽  
Esti Magiyanti Utami
Keyword(s):  
Linear Regression ◽  
Multiple Linear Regression ◽  
Entrepreneurial Orientation ◽  
Small And Medium Enterprises ◽  
Operating Performance ◽  
Sampling Technique ◽  
Total Sample ◽  
Operational Performance ◽  
Total Quality ◽  
Medium Enterprises

Small and medium enterprises in the food sector in the pandemic era were significantly affected, so SMEs need to improve their performance, so they are not significantly affected. This study aims to examine the effect of implementing TQM on the operational performance of Food SMEs, examining the effect of SCM application on the operational performance of Food SMEs, and examining the effect of the application of entrepreneurial orientation on the operational performance of Food SMEs in Wonosobo Regency. This study used a purposive sampling technique and obtained a total sample of 120 people. This study used a survey research design and data collection was carried out using a questionnaire. Data analysis was performed using multiple linear regression. The results of multiple linear regression and hypothesis testing show that the TQM variable has a positive and significant effect on operating performance. The SCM variable has a positive and significant effect on operating performance. The entrepreneurial orientation variable has a positive and significant effect on operating performance.

scholarly journals FACTORS AFFECTING MICRO SMALL AND MEDIUM ENTERPRISES (MSMEs) REVENUE OF PEOPLE’S BUSINESS CREDIT (KUR) RECEIVERS IN DONGGALA REGENCY

2017 ◽  
Vol 3 (2) ◽  
Author(s):  
Ary Widdodo ◽  
Rustam Abd Rauf ◽  
Lien Damayanti
Keyword(s):  
Regression Analysis ◽  
Linear Regression ◽  
Multiple Linear Regression ◽  
Sampling Method ◽  
Small And Medium Enterprises ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Snowball Sampling ◽  
Factors Affecting ◽  
Medium Enterprises

This research aims to determine the factors affecting micro small and medium enterprises (MSMEs) revenue of people’s business credit (KUR) receivers in Donggala Regency. Factors that allegedly influenced the income of MSMEs of KUR recipients include turnover, length of business, number of manpower and number of KUR.This research was conducted in December 2016 until January 2017 in Donggala Regency. The number of samples used are 43 debtors from Bank Nasional Indonesia (BNI), Bank Rakyat Indonesia (BRI) and Bank Mandiri. The sample is using snowball sampling method, and the data analyzed using Multiple Linear Regression Analysis. Based on the analysis result, it can be concluded that the factors that influence the revenue of MSMEsof KUR receiver are the turnover, the number of labor and the KUR number while the old factor of business does not affect the revenue of MSMEs receiving KUR

scholarly journals IMPRESSION OF NON-PERFORMING LOAN, LOAN TO DEPOSIT RATIO, AND NET INTEREST MARGIN AGAINST PROFITABILITY

2020 ◽  
Vol 4 (1) ◽  
pp. 27-31
Author(s):  
Miryam Alawiyah ◽  
Dedy Wijaya Kusuma ◽  
Fetri Setyo Liyundira
Keyword(s):  
Linear Regression ◽  
Multiple Linear Regression ◽  
Sampling Method ◽  
Third Party ◽  
Test Results ◽  
Return On Assets ◽  
Purposive Sampling ◽  
Net Interest Margin ◽  
Period Data ◽  
Interest Margin

This study aims to determine the effect of Net Performing Loans, Loan to Deposit Ratio, and Net Interest Margin on profitability. Profitability is proxied by Return On Assets (ROA). Whereas the factor for the existence of Net Performing Loans (NPL) is proxied by non-performing loans, the Loan to Deposit Ratio (LDR) factor is proxied by third-party fund distribution, and the Net Interest Margin (NIM) factor is net interest income proxied. The population in this study amounted to 25 Rural Banks (BPR) in the Jember Regency, and for the study, the sample was 19 People's Credit Banks (BPR) in the Jember Regency, which were selected using the purposive sampling method for the 2017-2018 period. Data were analyzed using multiple linear regression. Based on the test results, it was concluded that the components of the Net Performing Loan (NPL), Loan to Deposit Ratio (LDR), and Net Interest Margin (NIM) affect the profitability using the Return on Assets (ROA) ratio. This proves that Non-Performing Loans (NPLs), Loans to Deposit Ratio (LDR), and Net Interest Margin (NIM) can be used to measure how much income the Bank earns.

scholarly journals The Influence of Consumer Behavior, Competitive Advantages on the Performance of MSMEs during Covid-19

2020 ◽  
Vol 5 (6) ◽  
pp. 625-629
Author(s):  
Siti Nurmaliki ◽  
Setyo Riyanto
Keyword(s):  
Regression Analysis ◽  
Linear Regression ◽  
Competitive Advantage ◽  
Multiple Linear Regression ◽  
Consumer Behaviour ◽  
Small And Medium Enterprises ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Competitive Advantages ◽  
Medium Enterprises

The study aimed to demonstrate changes in consumer behaviour, a competitive advantage over the performance of businesses, micro, small and medium enterprises (MSMEs) in the middle of the pandemic Covid-19. This study was conducted by spreading the questionnaire to 110 respondents. This research uses descriptive methods and quantitative approaches to see the influence between consumer behaviour, a competitive advantage over MSME performance. Data is processed using multiple linear regression analysis methods using the SPSS 16.0 application. The results showed that consumer behaviour, competitive advantage significantly impacted SME's performance in the middle pandemic Covid-19.

scholarly journals ANALISIS SPASIAL INDUSTRI KECIL DAN MENENGAH DI PROPINSI NUSA TENGGARA TIMUR

2011 ◽  
Vol 9 (2) ◽  
pp. 156
Author(s):  
Zainal Arifin
Keyword(s):  
Regression Analysis ◽  
Linear Regression ◽  
Multiple Linear Regression ◽  
Raw Materials ◽  
Small And Medium Enterprises ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Explanatory Variables ◽  
Business Units ◽  
Medium Enterprises

This study aims to identify patterns of spatial concentration of Small and Medium Enterprises in East Nusa Tenggara judging by the amount of labor and production as well as the factors that affect the employment period 2005-2009. Analysis tools used include: Spatial Analysis, Geographic Information Systems, and multiple linear regression. This study found that the distribution of Small and Medium Enterprises in East Nusa Tenggara is not evenly distributed geographically, when viewed from the employment and production quantities. In some  counties and cities experienced employment and production quantities are high, while some others were experiencing employment and production quantities are low. It also reinforced the results of multiple linear regression analysis with panel data with the result that all explanatory variables X1 (business units), X2 (investment), X3 (production) and X4 (raw materials) are able to explain to the employment of Small and Medium Industries in East Nusa Tenggara.

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