scholarly journals The Effect of Debt Financing and Equity Financing on Expense Ratio Profit

2021 ◽  
Vol 2 (1) ◽  
pp. 8-14
Author(s):  
Deni Sunaryo
Keyword(s):  
Commercial Banks ◽  
Regression Models ◽  
Sampling Method ◽  
Research Data ◽  
Debt Financing ◽  
Test Results ◽  
Linear Regression Models ◽  
Equity Financing ◽  
Expense Ratio ◽  
Multiple Linear Regression Models

This study aims to determine the effect of Debt Financing and Equity Financing on the Profit Expense Ratio. The population in this study is Sharia Commercial Banks registered in Bank Indonesia from 2011 to 2018 as many as 11 banks while the sample is determined by the purposive sampling method and meets the criteria of 2 companies. The analytical method used is multiple linear regression models. This method is also called quantitative because the research data is in the form of numbers and analysis using statistics. Regression analysis results obtained an f-value of 4.155 which means that simultaneously has a significant effect on the profit expense ratio. Partial test results with the t-test showed that debt financing was obtained t-value 1,803> t table 1,687 and significant 0.009 <0.05. then it can be said that debt financing has a significant effect on the profit expense ratio. For equity financing obtained t-value 2.913> t table 1.687 and significant 0.045 <0.05. then it can be said that equity financing has a significant effect on the profit expense ratio.

scholarly journals MULTIPLE REGRESSION : DETEMINANT ON PROFITABILITY AT ISLAMIC COMMERCIAL BANKS IN INDONESIA

2020 ◽  
Vol 1 (1) ◽  
pp. 21-30
Author(s):  
Dodi Tisna Amijaya ◽  
Siti Komariah
Keyword(s):  
Economic Growth ◽  
Commercial Bank ◽  
Commercial Banks ◽  
Regression Models ◽  
Sampling Method ◽  
Financial Statements ◽  
Islamic Banking ◽  
Linear Regression Models ◽  
Analysis Technique ◽  
Multiple Linear Regression Models

The Islamic financial system is potential to be a locomotive of the national economy and be able to overcome gaps.  One of them is Islamic banking which is increasingly developing in Indonesia. The development of Islamic banking is expected to increase economic growth.  For this reason, Islamic banking is needed which has a healthy financial performance. This study aims to analyze the effect of NPF, CAR, and FDR on Profitability at Islamic Commercial Banks. The data used in this study were obtained from Islamic commercial bank financial statements which are recorded in the OJK for 2015-2018. The population in this study is 14 Sharia Commercial Banks in Indonesia, and using the purposive sampling method, there are 12 bank samples which will be examined. The analysis technique used in this study is multiple linear regression models. The results showed that NPF, CAR and FDR had a significant effect on profitability.

scholarly journals Use of E-Money and Debit Cards in Student Consumption Behavior

2019 ◽  
Vol 125 ◽  
pp. 03013
Author(s):  
Dewi Fatmasari ◽  
Waridin ◽  
Akhmad Syakir Kurnia ◽  
Rizaldi amin
Keyword(s):  
Regression Models ◽  
Daily Activities ◽  
Consumption Expenditure ◽  
Test Results ◽  
Linear Regression Models ◽  
Electronic Money ◽  
Consumption Behavior ◽  
Consumption Expenditures ◽  
Multiple Linear Regression Models ◽  
Debit Cards

IAIN Sharia Banking Student Sheikh Nurjati consumes high students, but in conducting transactions students are less in utilizing electronic money and debit card facilities in daily activities so that the problem is how the e-money and e-money are used. the use of debit cards against student consumption expenses. This system of payment transactions using electronic money and debit cards will affect a person's behavior in spending or consumption behavior. This study aims to investigate the use of e-money and debit cards in consumption expenditures and how it affects the consumption expenditure. This research applied a quantitative method by using a questionnaire as an instrument to collect the data. Further, the data were then analyzed by applying multiple linear regression models. As result, it was revealed that partially using e-money in students’ consumption behavior had a negative and an insignificant influence, while using debit cards had a positive and significant influence on students’ consumption behavior. Thus, based on the F test results, it is proved that using e-money and debit cards together have a significant impact on students’ consumption behavior.

scholarly journals Simplicity, Price, Quality of Service and Safety Towards The Decision to Purchase Products Through Shopee.id Application

2020 ◽  
Vol 5 (1) ◽  
pp. 71-82
Author(s):  
Nursiam Nursiam ◽  
Anastasia Auti Merry Yanissa ◽  
Kurnia Rina Ariani
Keyword(s):  
Quality Of Service ◽  
Regression Models ◽  
Sampling Method ◽  
Total Sample ◽  
Accounting Students ◽  
Linear Regression Models ◽  
Purchasing Decisions ◽  
Analysis Techniques ◽  
Multiple Linear Regression Models

This study aims to determine the effect of convenience, price, service quality and safety on product purchasing decisions through the shopee.id application. The method used in this study is a quantitative method. Respondents in this study were accounting students for the 2016 class of the Faculty of Economics and Business, University of Muhammadiyah Surakarta, where sampling used the incidental sampling method, with a total sample of 81 respondents. Data analysis techniques used multiple linear regression models. The results of this study indicate that ease, price, and quality of service affect the product purchase decision through the Shopee.id application with each sig value of 0,033; 0,000; and 0,000. Meanwhile, security has no effect on product purchasing decisions through the shopee.id application with a sig value of 0,087. Keywords : ease, price, quality of service, security, decision on purchasing product.

scholarly journals Pengaruh pengawasan fungsional, pengelolaan keuangan, dan kejelasan sasaran anggaran terhadap akuntabilitas kinerja inspektorat kota malang

2021 ◽  
Vol 8 (2) ◽  
Author(s):  
Maria Novriana Mina ◽  
Anwar Made ◽  
Rita Indah Mustikowati
Keyword(s):  
Financial Management ◽  
Regression Models ◽  
Quantitative Research ◽  
Sampling Method ◽  
Primary Data ◽  
Sampling Techniques ◽  
Data Sampling ◽  
Linear Regression Models ◽  
Performance Accountability ◽  
Multiple Linear Regression Models

This research was conducted to examine and determine the effect of functional supervision, financial management, and clarity of budget targets on the performance accountability of the Inspectorate of Malang. This type of research is quantitative research, the source of the data used is primary data, sampling techniques using total sampling method, then analyzed with multiple linear regression models. The results showed that functional oversight, financial management and clarity of budget objectives simultaneously affect performance accountability, functional supervision partially influences performance accountability, financial management influences performance accountability and clarity of budget targets affects performance accountability

scholarly journals ANALISIS PENGARUH FUNGSI INTERMEDIASI PERBANKAN TERHADAP PERTUMBUHAN EKONOMI DI INDONESIA TAHUN 2008 - 2011

2013 ◽  
Vol 11 (2) ◽  
pp. 147
Author(s):  
. Anjarwati
Keyword(s):  
Economic Growth ◽  
Interest Rate ◽  
Linear Regression ◽  
Multiple Linear Regression ◽  
Regression Models ◽  
Coefficient Of Determination ◽  
Test Results ◽  
Linear Regression Models ◽  
Independent Variables ◽  
Multiple Linear Regression Models

This study aims to analyze the development of intermediation to economic growth in Indonesia and a significant test whether or not the effect of intermediation on economic growth. From the test results obtained by the coefficient of determination (R2) for multiple linear regression models for 0.916. It means that the independent variables can explain the variation in the dependent variable 91.6% together, then variable t can be seen that variable Interest Rate Loans and lending have a significant effect on economic growth, It is proved that t-count > t-table. Lending to the variable (X1) 7,944 t > t table 2.026, and for variable Interest Rate Loans (X2) 4.521 t-count > t table 2.026. From the analysis has been conducted simultaneously indicates that those independent variables have a significant effect on economic growth, with simultaneous F test results are calculated F value > F 204.012> 3.25. it means that Ho is rejected.

scholarly journals BUDAYA ORGANISASI, KOMUNIKASI, DAN MOTIVASI SEBAGAI DETERMINASI TERHADAP KINERJA PEGAWAI KANTOR CAMAT BATAM KOTA

2019 ◽  
Author(s):  
Surya Akbar
Keyword(s):  
Organizational Culture ◽  
Hypothesis Testing ◽  
Regression Models ◽  
Sampling Method ◽  
Employee Performance ◽  
Test Results ◽  
Linear Regression Models ◽  
District Office ◽  
City District ◽  
Spss Software

This study aimed to get empirical evidence of the influence of organizational culture, communication, and motivation on employee performance in Batam City District Office. In the stages of testing in this study using the sampling method used is the census. The sample in this study was 43 Employees Head Office Batam City. Methods of data collection conducted by questionnaire. Hypothesis testing is performed using linear regression models and test the T-statistic. Hypothesis testing is done by using SPSS software. Based on the results of testing the first hypothesis, it is known that the organizational culture significantly influence employee performance Batam City District Office. And the results of the second test, it is known that the communication is not significant to the performance of the staff of the Head of Batam. And a third test results, it is known that motivation has a significant influence on employee performance Batam City District Office

scholarly journals PENGARUH PENGGUNAAN E-FILING DAN PEMAHAMAN PERPAJAKAN TERHADAP KEPATUHAN PENYAMPAIAN SPT TAHUNAN WPOP (Studi Pada WPOP Pekerja Bebas Di Kota Salatiga )

2021 ◽  
Vol 12 (1) ◽  
pp. 34-51
Author(s):  
Fadillah Achmad Resandi ◽  
Ika Kristianti
Keyword(s):  
Linear Regression ◽  
Data Collection ◽  
Regression Models ◽  
Sampling Method ◽  
Hypothesis Test ◽  
Questionnaire Data ◽  
Linear Regression Models ◽  
The Individual ◽  
Positive Effect ◽  
Multiple Linear Regression Models

The purpose of this study to determine the effect of using e-filing and understanding of taxation on compliance of annual taxpayer reporting of the individual taxpayer in the Salatiga. The population of this research is non-employee individual taxpayers who are registered in KPP Pratama Salatiga. The sample used is 100 respondents and data collection techniques using an incidental sampling method. The questionnaires were distributed using google form and given directly to respondents. The collected questionnaire data was tested with validity, reliability, and classical assumption tests. Hypothesis test using the T-test with multiple linear regression models. The results of this study indicate that (1) the use of e-filing has a positive effect on compliance with the annual taxpayer reporting of non-employee individual taxpayers in Salatiga. (2) Understanding taxation has a positive effect on compliance with the annual taxpayer reporting of non-employee individual taxpayers in Salatiga.

scholarly journals THE EFFECT OF ORGANIZATIONAL CULTURE, LEADERSHIP STYLE, WHISTLEBLOWING SYSTEMS, AND KNOW YOUR EMPLOYEE ON FRAUD PREVENTION IN SHARIA BANKING

2020 ◽  
Vol 5 (1) ◽  
pp. 108
Author(s):  
Suharto Suharto
Keyword(s):  
Organizational Culture ◽  
Leadership Style ◽  
Regression Models ◽  
Descriptive Analysis ◽  
Research Data ◽  
Linear Regression Models ◽  
Key Factors ◽  
Internal Auditor ◽  
Fraud Prevention ◽  
Multiple Linear Regression Models

This study aims to get better knowledge on how to prevent fraud in sharia banking. The key factors in determining fraud prevention are organizational culture, leadership style, whistleblowing systems, and know your employee. This research involves 73 respondents in the scope of internal auditor. This research applies a survey using questionaire. The method used to process and analyze research data are descriptive analysis and multiple linear regression models. The results show that organizational culture has no significant effect on fraud prevention, but leadership style, whistleblowing systems, and know your employee have a positive significant effect on fraud prevention. Furthermore, organizational culture, leadership style, whistleblowing systems, and know your employee simultaneously have an effect on fraud prevention in sharia banking.

scholarly journals PENGARUH INFLASI, BI RATE, SUKU BUNGA KREDIT UMKM TERHADAP NON PERFORMING LOAN KREDIT UMKM PADA BANK UMUM

2020 ◽  
Vol 8 (2) ◽  
pp. 156
Author(s):  
Suharna Suharna
Keyword(s):  
Interest Rate ◽  
Linear Regression ◽  
Multiple Linear Regression ◽  
Commercial Banks ◽  
Regression Models ◽  
Inflation Rate ◽  
Secondary Data ◽  
The Other ◽  
Linear Regression Models ◽  
Multiple Linear Regression Models

This study aims to obtain empirical evidence on the influence of inflation, rate of Bank Indonesia, and credit interest rate on non - performing SMEs credit loan at Commercial Banks. This study uses secondary data obtained from quarterly OJK reports and Bank Indonesia monthly reports for the period of 2014 - 2018. Multiple linear regression models are used to test the hypotheses of this study. It was found that the inflation rate and the rate of Bank Indonesia individually doesn't have a siignificant influence on non - performing SMEs credit loans. On the other hand, it was found that credit interest rate has a signifinicant influence on non - performing SMEs credit loans.

FAKTOR DETERMINAN PENYALURAN KREDIT BANK PERSERO

2018 ◽  
Vol 23 (1) ◽  
pp. 60-71
Author(s):  
Wigiyanti Masodah
Keyword(s):  
Interest Rate ◽  
Linear Regression ◽  
Interest Rates ◽  
Regression Models ◽  
Linear Regression Models ◽  
Negative Impacts ◽  
Main Activity ◽  
The Impact ◽  
The Given ◽  
Multiple Linear Regression Models

Offering credit is the main activity of a Bank. There are some considerations when a bank offers credit, that includes Interest Rates, Inflation, and NPL. This study aims to find out the impact of Variable Interest Rates, Inflation variables and NPL variables on credit disbursed. The object in this study is state-owned banks. The method of analysis in this study uses multiple linear regression models. The results of the study have shown that Interest Rates and NPL gave some negative impacts on the given credit. Meanwhile, Inflation variable does not have a significant effect on credit given. Keywords: Interest Rate, Inflation, NPL, offered Credit.

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