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Journal : Journal of Financial Economics

ANALISIS PENGARUH DANA PIHAK KETIGA, SUKU BUNGA DAN INFLASI TERHADAP PENYALURAN KREDIT Riyantowo, Dianing Saleha; Arifin, Zainal; Sari, Novi Primita
Journal of Financial Economics & Investment Vol. 1 No. 3 (2021): Journal of Financial Economics & Investment
Publisher : Program Studi Ekonomi Pembangunan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (962.117 KB) | DOI: 10.22219/jofei.v1i3.19138

Abstract

The purpose of this research is to find out whether there is an influence on the variables of third party funds, interest rates, and inflation on credit distribution provided by commercial banks and to strengthen the results of previous research. The data sources for this research were obtained from the official website of the Central Statistics Agency, Bank Indonesia, and the Indonesian Banking Statistics or the Financial Services Authority. The analytical technique used is descriptive quantitative technique, it is to explain the influence between the variable lending funds and the variable third party funds, interest rates, inflation. The results of the separate test (t test) obtained The results have a significant positive effect on the third party fund variable and on the interest rate variable, while the inflation variable has a negative and insignificant effect on lending, meaning that if the inflation rate is high, lending will decrease.
ANALISIS KINERJA LAPORAN KEUANGAN PADA KOPERASI DI KECAMATAN BRONDONG KABUPATEN LAMONGAN PERIODE TAHUN 2017-2020 Rohma, Alfur; Yuli, Sri Budi Cantika; Sari, Novi Primita
Journal of Financial Economics & Investment Vol. 2 No. 2 (2022): Journal of Financial Economics & Investment
Publisher : Program Studi Ekonomi Pembangunan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jofei.v2i2.19899

Abstract

The purpose of this study was to determine the performance of BMT BIM's financial statements. The analytical method used is the analysis of liquidity ratios, solvency ratios, and profitability ratios. Data collection techniques in this study used interviews and observation. The results of this study indicate that BMT BIM in 2017-2020 as a whole produces values ​​that do not meet the standard ratio criteria. From the calculation of the liquidity ratio as measured by the cash ratio, it produces a bad ratio because BMT BIM cash is smaller so that when the obligation matures, it is difficult to pay debts. The current ratio produces quite good criteria because BMT BIM has assets that are quite liquid in paying its short-term obligations. The solvency ratio as measured by the total debt to total asset ratio is not good, because the total assets of BMT BIM are not able to contribute adequately to the total debt owned. While the profitability ratio as measured by ROI is not good because cooperatives are less able to use their assets productively so they are not able to produce maximum SHU. ROE produces good criteria because the capital owned by cooperatives is quite reliable in producing maximum residual business results.
ANALISIS PENDAPATAN ASLI DAERAH DAN DANA ALOKASI UMUM TERHADAP BELANJA MODAL MELALUI PERTUMBUHAN EKONOMI SEBAGAI VARIABEL MODERASI Solikah, Tutut; Riyanto, Wahyu Hidayat; Sari, Novi Primita
Journal of Financial Economics & Investment Vol. 4 No. 2 (2024): Journal of Financial Economics & Investment
Publisher : Program Studi Ekonomi Pembangunan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jofei.v4i2.32854

Abstract

This research aims to analyze the influence of Regional Original Income and General Allocation Funds on Capital Expenditures through Economic Growth as a moderating variable in Regencies/Cities in East Java Province in 2013-2022. The type of research used in this research is quantitative and the data used is secondary data. The data used was obtained from the Central Statistics Agency (BPS). This research uses panel data regression techniques with moderating variables (Moderating Regression Analysis) using the Eviesw program. The results of this research show that Regional Original Income has a negative and significant impact on capital expenditure and the General Allocation Fund has a positive and significant impact on capital expenditure. And Economic Growth was not able to moderate Regional Original Income towards Capital Expenditures with negative and insignificant results but Economic Growth was able to moderate the General Allocation Fund towards Capital Expenditures in East Java Province with positive and significant results.