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ANALISIS PROSEDUR PENJAMINAN KREDIT PADA PT JAMINAN KREDIT DAERAH (JAMKRIDA) KALTIM TAHUN 2018 Makmur Makmur; Aris Tri Cahyono; Novita Novita
Jurnal Eksis Vol 15, No 2 (2019)
Publisher : Politeknik Negeri Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The purpose of this research is to find out the credit guarantee procedure used by PT Jamkrida Kaltim. The analytical tools used in this study are business feasibility, complementary credit, substitution of compensation, temporary takeover of the risk of bad credit, involvement of three parties, subrogation receivables, and credit control cooperation. The results of this study indicate that the credit guarantee procedures found at PT Jamkrida Kaltim still have a difference in principle, namely the principle of substituting collateral between work practices at PT Jamkrida Kaltim and the principle according to Yasabari and Dewi in a book entitled Credit Guaranteed to Bring UKMK to Access Financing.
Pengaruh Pengetahuan, Reputasi, Religiusitas, dan Motivasi terhadap Minat Menabung pada PT Bank Syariah Indonesia KCP Bung Tomo: (Studi pada Masyarakat Kelurahan Sungai Keledang) Aris Tri Cahyono; Dina Rahmawanti
Jurnal EKSIS Vol. 18 No. 1 (2022): APRIL
Publisher : Politeknik Negeri Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46964/eksis.v18i1.300

Abstract

This study uses quantitative methods. The data collection technique in this study used a questionnaire distribution technique. The sample in this study were 114 respondents. Data analysis techniques that will be used in this study are Validity Test, Reliability Test, Multiple Linear Regression Test, t Test, f Test, Correlation Coefficient, Coefficient of Determination and using IBM SPSS Version 23 software. The results of this study partially knowledge variables have a significant effect on interest in saving at PT Bank Syariah Indonesia KCP Bung Tomo, seen from Tcount > Ttable (2.812 > 1.981) and sig value of 0.006 <0.05, partially reputation variable has no significant effect on interest in saving at PT Bank Syariah Indonesia KCP Bung Tomo , seen from Tcount < T table (1,249 < 1,981) and sig value of 0,214 > 0,05, partially religiosity variable has no significant effect on interest in saving at PT Bank Syariah Indonesia KCP Bung Tomo, seen from Tcount < T table (1,279 < 1,981) and the sig value of 0.204 > 0.05, partially the motivation variable has a significant effect on the interest in saving at PT Bank Syariah Indonesia onesia KCP Bung Tomo, seen from Tcount > T table (2,423 > 1,981) and sig value of 0.017 < 0.05, simultaneously the variables of knowledge, reputation, religiosity and motivation affect interest in saving at PT Bank Syariah Indonesia KCP Bung Tomo, seen from Fcount > Ftable (10,955 > 2,45) and the sig value is 0.000 < 0.05.
Pengaruh Pemahaman Bagi Hasil dan Kepercayaan terhadap Minat Menjadi Nasabah Bank Syariah Tahun 2022 Aris Tri Cahyono; Eko Adi Widyanto; Indah Alifia Anjani
Jurnal EKSIS Vol. 19 No. 1 (2023): APRIL
Publisher : Politeknik Negeri Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46964/eksis.v19i01.394

Abstract

Penelitian ini bertujuan untuk menganalisis dan mengetahui faktor yang mempunyai pengaruh terhadap minat menjadi nasabah bank syariah karena dalam aktivitasnya bank sangat membutuhkan kepercayaan dari masyarakat. Alat analisis yang digunakan uji heteroskedasitas, analisis regresi linier berganda, uji T, Uji F dan Uji R2. Hasil penelitian ini menunjukan bahwa secara parsial variabel pemahaman bagi hasil, kepercayaan berpengaruh positif dan signifikan terhadap minat menjadi nasabah bank syariah. Secara simultan pemahaman bagi hasil dan kepercayaan terhadap minat menjadi nasabah bank syariah berpengaruh positif dan signifikan.
Co-Authors Dina Rahmawanti Eko Adi Widyanto Indah Alifia Anjani Makmur Makmur Novita Novita