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Analysis of Factors Affecting Capital Buffer in Sharia Commercial Banks in Indonesia S. Muljaningsih; Muchtolifah; Asmara, Kiky
Nusantara Science and Technology Proceedings 3rd Economics, Business, and Government Challenges 2020
Publisher : Future Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11594/nstp.2021.1307

Abstract

Capital buffer serves to anticipate the risk of unexpected banking systemic risks. Capital buffer is derived from the difference between banks’ capital adequacy ratio (CAR)and the minimum capital adequacy ratio (minimum CAR) regulated by policymakers. This research is made to know what factors affect capital buffer in Indonesia Islamic Commercial banks. These factors include Return On Equity (ROE), Non-Performing Finance (NPF), Financing to Deposit Ratio (FDR), and Gross Domestic Product (GDPG). This study uses secondary data obtained from the official website of OJK, the official website of the Islamic banks, and BPS Agency for a period of 5 years in 2014-2018 on quarterly data. The analysis technique used is Multiple Linear Regression Analysis. The results show that the Return on Equity (ROE), Non-Performing Finance (NPF), Financing to Deposit Ratio (FDR), and Gross Domestic Product (GDPG) affected Capital Buffer in Islamic Commercial Banks in Indonesia simultaneously. While it is partially obtained that the Financing to Deposit Ratio (FDR) variable has a significant and negative effect on the Capital Buffer. Return On Equity (ROE) and Non-Performing Finance (NPF) has insignificant and negative effects on the capital buffer. Gross Domestic Product Growth has an insignificant and positive effect on the capital buffer at Islamic Commercial Banks in Indonesia.
Analisis Produk Domestik Regional Bruto Kawasan Gerbangkertosusila Provinsi Jawa Timur Karenina, Silvia; Muchtolifah; Sishadiyati
JDEP (Jurnal Dinamika Ekonomi Pembangunan) Vol. 5 No. 1 (2022): JDEP (Jurnal Dinamika Ekonomi Pembangunan)
Publisher : UPN "Veteran" Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (271.449 KB) | DOI: 10.33005/jdep.v5i1.317

Abstract

The purpose of this study is to find out the effect of investment, HDI, labor, and inflation on gross regional domestic product (PDRB) in districts/cities incorporated in the Gerbangkertosusila area. Observation data was obtained from BPS East Java Province and East Java Provincial Investment Office with time series 2010-2019. Data analysis methods use multiple linear regressions. The result is known that in all districts / cities free variables consisting of investment, HDI, labor, and inflation together have a positive influence on the bound variable, namely PDRB. Keywords: investment, HDI, labor, inflation, GRD. The investment variables of Mojokerto Regency and Surabaya City have a positive and significant effect on the PDRB. Lamongan Regency investment variables have a negative and significanteffect on the PDRB, investment variables in other districts / cities do not have a significant effecton the PDRB. IPM variables in all districts / cities have a positive and significant effect on PDRB. Lamongan Regency labor variables have a negative and significant effect on PDRB, while labor variables in other districts / cities do not have a significant effect on PDRB. Inflation variables have a significant influence on the PDRB of Surabaya City.
Analisis Faktor – Faktor yang Mempengaruhi Kemiskinan di Kota Pasuruan Zakia, Nur Aini; Muchtolifah
JAE (JURNAL AKUNTANSI DAN EKONOMI) Vol 7 No 1 (2022): JAE (Jurnal Akuntansi dan Ekonomi)
Publisher : UNIVERSITAS NUSANTARA PGRI KEDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/jae.v7i1.17673

Abstract

The goal of this investigation is to identify and investigate the factors that contribute to poverty in Pasuruan City. This study employs a quantitative approach, relying on secondary data from Central Statistics Agency publications spanning the years 2011 to 2020The analytical method was multiple linear regression analysis with IBM SPSS 25. Education has no effect on poverty, population has a negative and significant effect on poverty, and the unemployment rate has no effect on poverty, according to the findings. All variables, according to the findings, have an impact on poverty.