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All Journal JURNAL MAKRO MANAJEMEN International Journal of Economics, Business and Accounting Research (IJEBAR)
Sidharta, Yudi
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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THE THE EFFECT OF INTEREST RATE, ADMINISTRATIVE FEES, AND RISK ON ONLINE LENDING DECISIONS ON FINTECH LENDING APPLICATIONS Sidharta, Yudi; Nurdina, Nurdina; Putri, Nabila Maulidya
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 8, No 4 (2024): IJEBAR, VOL. 08 ISSUE 04, DECEMBER 2024
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v8i4.16178

Abstract

This study aims to determine and analyze the effect of interest rate variables, administrative costs, and risk on online loan-taking decisions. The approach used is quantitative method with primary data obtained through questionnaires. The research population includes all borrowers on the fintech lending platform in Surabaya City, while the research sample consists of borrowers of fintech lending applications (Akulaku and Kredivo) in Surabaya City (272 samples). The sampling technique used was purposive sampling. This study contributes by integrating the influence of interest rates, administrative costs, and risk in one model to understand the collective influence on fintech lending user decisions. In addition, this study fills the gap of previous research by analyzing the contradictions in the results of previous studies related to the factors that influence credit decisions, as well as presenting a new perspective with a focus on fintech lending platforms in Surabaya City. The results showed that the variables of interest rates, administrative costs, and risk affect the decision to take online loans
THE THE EFFECT OF INTEREST RATE, ADMINISTRATIVE FEES, AND RISK ON ONLINE LENDING DECISIONS ON FINTECH LENDING APPLICATIONS Sidharta, Yudi; Nurdina, Nurdina; Putri, Nabila Maulidya
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 8 No 4 (2024): IJEBAR, VOL. 08 ISSUE 04, DECEMBER 2024
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v8i4.16178

Abstract

This study aims to determine and analyze the effect of interest rate variables, administrative costs, and risk on online loan-taking decisions. The approach used is quantitative method with primary data obtained through questionnaires. The research population includes all borrowers on the fintech lending platform in Surabaya City, while the research sample consists of borrowers of fintech lending applications (Akulaku and Kredivo) in Surabaya City (272 samples). The sampling technique used was purposive sampling. This study contributes by integrating the influence of interest rates, administrative costs, and risk in one model to understand the collective influence on fintech lending user decisions. In addition, this study fills the gap of previous research by analyzing the contradictions in the results of previous studies related to the factors that influence credit decisions, as well as presenting a new perspective with a focus on fintech lending platforms in Surabaya City. The results showed that the variables of interest rates, administrative costs, and risk affect the decision to take online loans
ANALISIS PERILAKU MANAJEMENLABA PADA PERUSAHAAN YANG MELAKUKAN RIGHT ISSUE DI BEI Sidharta, Yudi
Makro Jurnal Manajemen Dan Kewirausahaan Vol 2, No 1 (2017): JURNAL MAKRO MANAJEMEN
Publisher : Universitas Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53712/jmm.v2i1.209

Abstract

Abstrak Penelitian ini merupakan penelitian dibidang akuntansi khususnya dalam bidang pasar modal yang memfokuskan padaright issue dalam kaitannya dengan praktik earnings management. Pada saat perusahaan menawarkan saham tambahan, manajemen perusahaan akan berupaya agar saham yang ditawarkan direspon positif oleh pasar. Manajemen sering memanfaatkan momen tersebut untuk melakukan rekayasa atas laba akuntansi. Sampel yang digunakan adalah perusahaan manufaktur yang terdaftar di Bursa Efek Indonesia periode waktu 2009 – 2015.Perbedaan dengan penelitian-penelitian sebelumnya, penelitian ini tidak dilakukan pembandingan discretionary acrual antara perusahaan yang melakukan right issue.Penelitian ini secara time series akan membandingkan kenaikan dan penurunan kinerja sebelum dan sesudahright issue.Dari penelitian ini berhasil dibuktikan bahwa rata-rata discretionary accrualantara perusahaan sampel (setelah melakukan right issue) lebih besar bila dibandingkan dengan perusahaan kontrol (sebelum melakukan right issue).Dengan demikian, hipotesis yang diajukan dapat diterima dimana rata-rata perusahaan yang menawarkan saham tambahan melakukan manajemen laba.
Co-Authors Nurdina Nurdina Putri, Nabila Maulidya