scholarly journals The Effect of Lending and Placement of Funds in Other Banks on the Bank's Ability to Increase Profitability

2020 ◽  
Vol 1 (4) ◽  
pp. 166-176
Author(s):  
Nasfi ◽  
Eka Febrianti ◽  
Asnah ◽  
Sabri

This study aims to determine and analyze the effect of lending and placement of funds in other banks on the ability of banks to increase profitability. The study was taken data from one of the XYZ micro banking institutions in West Sumatra, based on year-end financial data from 2009 to 2019. This research uses a quantitative approach. The data source used is secondary data in the form of financial statement data for micro banking institutions for 11 (eleven) years. The data analysis method uses the Ordinary Least Square (OLS) method. The results showed that partially lending had a negative and significant effect on increasing profitability, placement of funds in other banks had a negative and insignificant effect on the increase in profitability of XYZ micro banking. Simultaneously, the variable of credit distribution and placement of funds in other banks has a significant effect on the increase in profitability of the XYZ micro banking institution

2019 ◽  
Vol 7 (3) ◽  
pp. 173-184
Author(s):  
Joventus Partogi Silaen Joventus ◽  
Haryadi Haryadi ◽  
Emilia Emilia

This study aims to analyze the influence and look at the Fed Rate, Inflation in Indonesia, and the NIKKEI 225 Index on the Composite Stock Price Index (JCI). The data used in this study is secondary data obtained from Bank Indonesia, Investing.com, library sources, journals, and other scientific articles. The analytical method used in this study is the multiple linear regression analysis method using the Ordinary Least Square (OLS) method. Data is processed using software using monthly data with the research period from January 2016-December 2017 sourced from the internet, scientific journals, and books. The results of this study indicate that partially the FED Rate variable has a negative effect on the JCI, Inflation has a negative effect on the JCI, and the NIKKEI 225 Index has no effect on the NIKKEI 225 Index. Meanwhile, simultaneously all variables affect the JCI. Keywords: Fed Rate, Inflation, NIKKEI 225 Index, IDX


2018 ◽  
Vol 5 (3) ◽  
pp. 262-268
Author(s):  
Agnes Marisca Dian Sari

The aims of this research were to find out the effects of poverty on cigarette consumption in Central Java in 2013 and to recognize the effects of tax cigarette on cigarette consumption in Central Java in 2013. The type of the data used was secondary data. The analysis method used was the regression of Ordinary Least Square (OLS) with the cross section data of 2013 in 35 Districts of Central Java Province.The research results show that when the Poverty Line increases, it increases cigarette consumption. The variable on Poverty Line has effect on cigarette consumption in Central Java in 2013. The variable of cigarette tax has positive insignificant value. The variables of poverty and cigarette tax are able to explain the level of cigarette consumption of 0.1263%, and the remaining variables are explained by the other variables. F- statistic is 2,31, F-table is 1,37, and t-table is 2.034. Based on the research results, it can be concluded that there is a significant association between cigarette consumption and poverty in Central Java in 2013. When cigarette consumption rose, it increased the poverty in Central Java in 2013. The association between cigarette consumption and cigarette tax in Central Java in 2013 was not significant but had positive value. It means that the tax policy in Central Java is not able to reduce cigarette consumption in Central Java in 2013. Although there has been a cigarette tax, the cigarette consumption continues to increase.


2017 ◽  
Vol 15 (2) ◽  
Author(s):  
Bambang Winarso

Government policies in helping dairy farmers in an effort to meet the capital needs of breeding them is through a policy program Kredit Usaha Pembibitan Sapi (KUPS). KUPS is skim credit used to finance the development of cattle breeding and dairy cattle by businesses with subsidized interest rates. The problems that the distribution KUPS seen through the eyes of a banking institution is (a) the availability of information prospective potential borrowers are still minimal (b) the legality of ownership of assets (c) cattle breeding company still slightly. KUPS program has been rolled out since 2010, meaning that until 2014 the program has been running five (5) years. But the realization of its lending until September 2014, reached 15.42% of the amount of the ceiling of Rp 4.00 trillion. The realization can be said to be too small or fails. Of course there is the small achievements of the bank as an institution that is authorized to distribute funds would need to act professionally and carefully. Given the experience of lending a mass program past such cases KUT (Kredit Usaha Tani) end up with less encouraging. Instead the main purpose of the program is awakened, just the opposite of credit are understood as government social assistance by the debtor (the farmer). So it is very natural that the bank hand is always cautious. The study was conducted in West Sumatra in 2014, data analysis used data a simple cross-tabulation using the primary data and secondary data from interviews with respondents either breeders penmanfaat KUPS and banking institutions as channeling KUPS Keywords: Beef Cattle Development, Venture Capital, KUPS


2015 ◽  
Vol 4 (1) ◽  
pp. 79
Author(s):  
Nurmi Siringo ◽  
Ali Anis ◽  
Ariusni Ariusni

This study aims to determine the effect of inflation, Loan To Deposit Ratio, and economic growth of the Non-Performing Loan in Rural Bank of West Sumatra.The type of data in this research is secondary data that is both quantitative and Time Series Data from the years 2005-2013. Data were analyzed with regression methods and estimation OLS (Ordinary Least Square).The results showed that: (1) inflation is not a significant negative effect on the Bank's Non-Performing Loan Rural West Sumatera (2) Loan To Deposit Ratio was not significant positive effect on Non-Performing Loans in the Bank Rural West Sumatera  (3) economic growth significant negative effect on Non-Performing Loans in the Rural Bank of West Sumatra, (4) inflation, Loan To Deposit Ratio and economic growth together significant effect on Non-Performing Loans in the Rural Bank of WestKeywords : Inflation, Loan To Deposit Ratio, economic growth.


Agrotek ◽  
2018 ◽  
Vol 3 (1) ◽  
Author(s):  
Kunto Wibowo

<em>The agricultural sector</em><em> is a strategic sector in Manokwari regency. The agricultural sector provides a major contribution in the regional economy, an economic base of rural people, dominate the life of most residents in this region and provider of food and raw materials for other sectors. The purpose of this study was to determine how big the contribution of different sub-sectors that exist in the agricultural sector, which analyzes sectors influential in changing the economic structure of agriculture in the area and know the potential commodities that can be developed in an effort to enhance the role of the agricultural sector. The research method used through literature study and analysis of secondary data sourced from the relevant authorities. To find out how big the factors that influence changes in economic structures of domination of the agricultural sector into non-agricultural sector estimates used Ordinary Least Square (OLS). For the determination of the potential commodities that can be seeded used method approach Location Quotient (LQ). The results showed the greatest contribution of the different sub-sectors within the agricultural sector contained in the food crops sub-sector. Based on the rate of growth per year, plantation crops sub-sector occupied the highest positions. The sectors that provide real impact on the agricultural sector's contribution to the regional gross domestic product �of the building sector and services sector. Potential commodities that can be developed in different areas in Manokwari regency include food crops and pulses, vegetables and fruits and livestock including cows, goats, pigs and chicken.</em>


Author(s):  
Muhammad Usman

The goal of this study is to explore the impact of high tech exports on economic growth of Pakistan. To examine this relationship, data are collected from World Bank database, State Bank of Pakistan data source and Statistical Bureau of Pakistan. Time span of study is consisting of 20 years from 1995 to 2014. By using ordinary least square (OLS) with robust standard error, results confirm that there is a positive and statistically significant impact of high tech exports on economic growth. Although Pakistan is an agriculture country and its economic growth is largely depend upon farming, but for long run economic growth, Pakistan has to increase its high tech exports.


2014 ◽  
Vol 3 (4) ◽  
pp. 130
Author(s):  
NI MADE METTA ASTARI ◽  
NI LUH PUTU SUCIPTAWATI ◽  
I KOMANG GDE SUKARSA

Statistical analysis which aims to analyze a linear relationship between the independent variable and the dependent variable is known as regression analysis. To estimate parameters in a regression analysis method commonly used is the Ordinary Least Square (OLS). But the assumption is often violated in the OLS, the assumption of normality due to one outlier. As a result of the presence of outliers is parameter estimators produced by the OLS will be biased. Bootstrap Residual is a bootstrap method that is applied to the residual resampling process. The results showed that the residual bootstrap method is only able to overcome the bias on the number of outliers 5% with 99% confidence intervals. The resulting parameters estimators approach the residual bootstrap values ??OLS initial allegations were also able to show that the bootstrap is an accurate prediction tool.


2020 ◽  
Vol 4 (2) ◽  
pp. 165-182
Author(s):  
Aep soleh Soleh

This study investigates the impact of fuel price adjusment on changes in fuel consumption and inflation in Indonesia. This study uses secondary data obtained from the Ministry of Energy and Mineral Resources, the Ministry of Finance, the Ministry of Trade, Bank Indonesia, the Central Bureau of Statistics (BPS), and PT Pertamina (Persero) from 2006 to 2016 and analyzed by using Ordinary Least Square (OLS) method. Research showed, if the government increases Premium Gasoline's price by 10%, in average its consumption would decrease around 2,99 %. However, if the Pertamax Gasoline's price increases, the consumption of Premium Gasoline would also increase due to substitution effect. Every 10% increase in Subsidized Diesel's price, in average its consumption would decrease around 4,80 % and vice versa. However, if the Pertamina dex's price increases, the consumption of Subsidized Diesel would also increase due to substitution effect. Moreover, IDR1.000/L increase in Premium Gasoline's Price would contribute 1,10 % to the inflation rate. On the other hand, increase in Subsidized Diesel's price does not contribute to the inflation rate.


2020 ◽  
Vol 1 (2) ◽  
Author(s):  
Rahmadsyah Rahmadsyah

<p class="BodyAbstract">Sea transportation has an important role in the development of the community because the flow of goods and the traffic of people (passengers) by sea can run smoothly.  With the smooth traffic of goods and passengers, this certainly makes it easier for people to meet their needs. Sea transportation activities are inseparable from the risk of unexpected events, one of which is ship accident.  Based on this background the authors are interested in conducting research with the title "Responsibility of Carrier Against the Owner of Goods Due to Accidents in Sea Transportation, formulation of the problem: 1. How is the responsibility of the carrier to the owner of goods in the event of damage to goods due to accidents in sea transportation?, 2. How Compensation for compensation if there is a loss in transporting goods by sea?  In this paper the research method used is a normative juridical approach, descriptive analytical research specifications, the main data source uses secondary data, the data analysis method uses qualitative methods.  Research and discussion results are as follows: 1. Maintain the safety of the goods transported from the time of receipt until the time of delivery and has become the responsibility of the carrier if the goods are wholly or partly unable to be delivered or damaged The transporter is obliged to compensate for the loss of the goods being transported 2. If an accident occurs in sea transport recipient of goods does not receive the goods as stated in the agreement of the consensus of the recipient is obliged to make a claim letter to the shipping company within the specified time by explaining the loss suffered.</p>


2019 ◽  
Vol 4 (1) ◽  
pp. 44-46
Author(s):  
Wilson Bangun

Economic growth as a mesurement and reflect of the people prosperity. Employee production factor have a better contribution if  to compare with capital and technology production factors on Indonesian economic growth. However, Indonesian workforce quality is lowest in ASEAN-5. The research methodology is using the Cobb-Douglas production function with the Ordinary Least Square (OLS), the using equation formulation: lnY = ln a + bi  +e. This research using data is secondary data: production factors using data of progressing of FDI and domestic investment, source of  the World Bank, 2004-2016; Employment is using data of progressing of Indonesia workforce,  sourced from the Biro Pusat Statistik Republik Indonesia, 2004-2016. The research results show that influence of the production factors toward Indonesia economic growth is strongly. This researchs aim to knowledge a large the contribution of production factors on Indonesian Economic growth.


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