Electronic Journal Fakultas Ekonomi UNIA (Universitas Islam Attahiriyah)
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ANALISIS PERBANDINGAN PEMBIAYAAN KPR TERHADAP SUKU BUNGA KOMPETITIF FIX & CAP PADA PT. BANK CENTRAL ASIA, Tbk.
Get PDFThis study aims to determine the differences and trends between home mortgage financing to competitive interest rates at PT. Bank Central Asia, Tbk. In this study, the sample used is the interest rate data in the year 2009-2016. Data collection techniques used in this study through observation and interview techniques. The analysis method used is independent t-test and trend analysis test using SPSS 20.0 for Windows program. Based on the result of research, sig-t is obtained 0,02
FAKTOR-FAKTOR DETERMINAN PINJAMAN : STUDI PADA KOPERASI SHT
Get PDFThis study aims to examine the determinant of loans based on the member characteristics. A total of 50 members made participants using purposive. Analysis techniques using non-parametric approach, cross-tabulation and chi-square test. The results of the analysis concluded that: (1) the length time as member is not related to the amount of the loan; (2) there was no difference in income levels of respondents with an average loan; (3) the use of the proceeds of the loan has no relationship with income level; (4) long been a member of a cooperative relationship with the magnitude of the average of loans.
Keywrods: financial loan, koperas
OTHER COMPREHENSIVE INCOME PADA INDUSTRI DASAR DAN KIMIA
No full textThis study is done to present how the implementation other
comprehensive income after the implementation of IFRS
(Empirical Studies in Basic Industry and Chemicals listed in
Indonesia Stock Exchange in 2012-2015). Data collection
techniques in this study is the population data that all
companies engaged in chemical and basic industry sectors
listed on the Stock Exchange resulting in 64 corporate data.
Data required in this study were obtained from the Indonesian
Capital Market Directory (ICMD) and the Indonesia Stock
Exchange (BEI). Data analysis method used is the Cross
Tabulation (Crosstab) and Cramer V with the help of the SPSS
statistical data processing program. The study concluded that
among the companies presenting and not presenting OCI
component in the Income Statement Other Kompehensif,
terdepat no significant difference. This may be explained in
Prob Significance of 0.10% less than 0.05%
Keywords: other comprehensive income, IFR
PROFITABILITY, GROWTH OPPORTUNITIES, LEVERAGE, UKURAN PERUSAHAAN, DAN KEBIJAKAN DIVIDEN
Get PDFDividend policy is one of the most important activities which investors will wait and interpret the action as a positive signal because it indicates the firm performance (a firm which distributes dividend considered has better performance). Dividend policy is a strategical decision since it will impact firm credibility and firm value. This study aims to analyze the effect of profitability, growth opportunities, leverage, and size on dividend policy in the automotive industry which listed in Indonesia Stock Exchange from 2009 to 2016. The automotive industry is one of Indonesian middle-class standard measurement and it will be the biggest automotive ASEAN market in 2019. We use secondary data and use pooling regression (panel regression) to analyze the result of the study. The result shows that profit margin, return on asset, and size has positive and statistically significant on dividend policy, growth opportunities has the negative effect and statistically significant on dividend policy, while return on equity and leverage do not affect the dividend policy.
Keywords: Profitability, growth opportunities, leverage, firm size, dividend polic
PENGUJIAN EFISIENSI PERBANKAN KONVENSIONAL DI INDONESIA MELALUI PENDEKATAN DATA ENVELOPMENT ANALYSIS (DEA)
Get PDFThe purpose of this study is to test the efficiency of conventional banking especially Bank Persero, Mix Bank and Bank Pembangunan Daerah (BPD) using a non-parametric analysis of DEA. This research calculates the value of efficiency to the Bank under the category Business Activity (BUKU) as seen from the core capital approach. The sample in this study amounted to 43 banks consisting of 4 Bank Persero, 13 of mix Bank and 26 BPD. The data is published financial statements of banks concerned with the study for 5 years starting from 2008 until 2012. Analysis of the performance efficiency using the Performance Improvement Management Software (PIM-DEAsoft-V3.2) to determine the efficiency of each bank, and then conducted a one-way ANOVA test and two-way to test differences in the average of each category of banks. Bank Persero gain greater efficiency than conventional Bank and BPD and 4th BUKU already doing business more efficient.
Keywords: Bank Efficiency, DE
PENGARUH HARGA DAN PROMOSI GRAB TERHADAP BRAND IMAGE YANG MEMPENGARUHI KEPUTUSAN PEMBELIAN KONSUMEN PENGGUNA TRANSPORTASI BERBASIS ONLINE
Get PDFThis research aims to understand the influence of the price set and promotional activities of Grab towards consumer purchase decision of through brand image as intervening variables. This research is a quantitative research. A number of samples taken are 205 people using people purposive sampling technique. the measurement used was the questionnaire that was disseminated through Google Form and analysis using SPSS 20. The results of hypothesis analysis show that price influence significantly to brand image; promotion influence significantly to brand image; price influence significantly to purchase decision; promotion influence significantly to purchase decision, and brand image influence significantly to purchase decision.
Keywords: price, promotion, consumer purchase decision, brand imag
SISTEM SYARIAH, RISIKO DAN PROFITABILITAS BANK UMUM SWASTA NASIONAL DEVISA DI INDONESIA
Get PDFThis research have a purpose to knowing first relationship between credit risk, liquidity risk, operation risk, market risk and capital adequacy to profitability, second to analyst that a syariah priciple able to reduce impact of risk to profitability. This research taken in Bank Umum Swasta Nasional Devisa Indonesia, with using panel regression method in Eviews 9 software. The result on this research is credit risk, operation risk, liquidity risk and capital adequacy have a negatif influence to profitability, and market risk with two variables, first inflation have a negatif influence and second BI rate have a positifinfluance to profitability. Second, syariah system has to reduce influence risk to profitability, they are eliminate credit risk and BI rate risk, and decrease risk impact to profitabilit in Bank Umum Swasta Nasional Devisa Indonesia.
Keywords: credit risk, liquidity risk, operation risk, market risk and capital adequacy, profitabilit
PROSPEK PENERAPAN ZAKAT PENGURANG PAJAK PENGHASILAN SEBAGAI ALTERNATIF KEBIJAKAN FISKAL DI INDONESIA
Get PDFThe purpose of this research was to determine the effect of zakat to the state revenue if zakat is managed by the State and Prospects for Application of zakat subtracting from income tax as an alternative fiscal policy in Indonesia. This research will use descriptive qualitative method, through the study of the library (Library Research) and field observations (Field research). The results of this research are from the second year of Hijrah, Zakat and Sadaqah has become a major income of the state. The management of Zakat effectively and professionally materialized in the 9 th of after Hijriyah, when Islam had sturdy, had expanded territory and people convert to Islam When the rules of zakat has been arranged which includes; zakat collection system, the limits of charity and alms percentage rates for different goods, as well as the determination of the payroll system (rights) of officer charity. Discussion and critical analysis are described in the article.
Keywords: Zakat, pajak penghasilan, kebijakan fisca
ANALISIS TENTANG FAKTOR-FAKTOR YANG MEMENGARUHI INITIAL RETURN PADA IPO DI BURSA EFEK INDONESIA
Get PDFThe initial return on initial public offering (IPO) in Indonesian Stock Exchange (ISX) was stated to be under-pricing. However, the underpricing of initial return was still inconclusive. Some of the previous findings showed that the initial return on IPO tended to be under-priced and the expectation of the initial return to being over-pricing still could not be achieved. This study state that the initial listing price has not been related to initial return to achieve the expecting price in the long run. The influence of age of listed companies and the excess of paid in capital on an initial return of the IPO were significant, this is because the underwriter’s pressure on listed companies to put their listing price below the expecting price.
Keywords: initial public offering, stock marke
PENGARUH KOMPETENSI DAN PELATIHAN TERHADAP KINERJA REPORTER, DENGAN MOTIVASI SEBAGAI VARIABEL MEDIASI DI PT SWC
Get PDFThis paper is structured in order to determine the effect of competency, training, and motivation on the performance of the infotainment reporters at PT SWC. The research method that is used is a descriptive analysis with collecting data through literature study and observation using the questionnaires. The research is conducted among the 64 reporters of PT Shandika Widya Cinema. The survey results revealed that an effort to increase the performance of the reporter needs to improve their competencies through continuous, technical training, focused on the journalistic technique, conceptual skills, and behavior. The development focusing on the technical journalism, communication skills, and behavior among the reporter will certainly improve their performance, loyalty, and dedication, which at last will increase the performance of the company.
Keywords: competency, training, motivation, performanc