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PERBANDINGAN KINERJA BANK DEVISA DAN BANK NON DEVISA DI INDONESIA Budi Firmansyah, 08.05.52.0083 Tri Aji; Farchan, Farchan
Students Journal of Accounting and Banking Vol 1, No 1 (2012): Vol. 1 No. 1 Edisi Pertama 2012
Publisher : Students Journal of Accounting and Banking

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This studyaims to determine whether there are significant differencesbetween Bank bank Non Foreign Exchange Foreign exchange with theuse of financial ratio analysi and statistical analysis. Financial ratio analysisusing theReturnon Assets (ROA), Return on Equity (ROE), Operating Expenses to Operating Income (BOPO), and the Loan to Deposit Ratio (LDR).While the statistic alanalys is using two different test average (independent sample t-test). The data used as research material is secondary data from financial statements obtained from Bank Indonesia during the period 2006-2009.The result isno significant difference between Bank Bank Non Foreign Exchange Foreign Exchange with during the period 2006-2009 when measured using ther atio of LDR and ROA, butthe ratio of ROE and BOPO there are significant differencesbetween Bank Bank Non Foreign Exchange and Foreign Exchange during the period 2006-2009.Where is the profitability ratio is representedby ROA,ROE, and BOPO. While liquidity ratios are representedby the LDR. Forfur ther study when taking the title or the same topic and use this study as a referenceit is advisable to add financial ratio stestedor seekcomparable periodsbefore and after the crisis and before and after or apolicy that affects the macro toget the results moreaccurate.Keywords: Performance compar is on Bank BUSN Non Foreign Exchange and Foreign Exchange, LDR, ROA, ROE,
PENGARUH KUALITAS LAYANAN DAN KUALITAS PRODUK TERHADAP KEPUASAN NASABAH (Studi kasus pada nasabah BPR BKK Jepara Cabang Kecamatan Kota) Adi Candra Agus S, 08.05.51.0118; Farchan, Farchan
Students Journal of Economic and Management Vol 1, No 1 (2012): VOL. 1 NO. 1 EDISI PERTAMA 2012
Publisher : Students Journal of Economic and Management

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Research with the tittle "The Influence of Service Quality and Product Quality Of Customer Satisfaction" done for the purpose to analyze customer satisfaction in Jepara Branch BPR BKK city. The population in this study is BPR BKK Jepara who use services and products provided by the BPR. Sampling was done by using "purposive sampling", ie sampling technique was done on purpose to record the sample representative of the population and the number of samples taken as many as 100 persons / respondents. The data collected was analyzed using: Factor analysis to test the validity of the statement items, Cronbach Alpha formula to test the reliability of the instrument, a regression analysis to examine the degree of influence of each independent variable on the dependent variable then the coefficient of determination and F-test is used to test the goodness of the model (Goodness of Fit). Based on data analysis and hypothesis testing results obtained: (1) that the partial variable service quality has positive and significant impact on customer satisfaction, (2) product quality variables have a positive and significant impact on customer  satisfaction, (3) the variable quality of service and product quality with both positive and significant impact on customer satisfaction. Of the five indicators of service quality variables are physical evidence, reliability, responsiveness, assurance, and empathy are the most dominant influence on customer satisfaction is empathy. The test results coefficient determinant is known that the variable quality of service and product quality can explain variation of 56.2% for customer satisfaction BPR BKK Jepara, while the remaining 43.8% is influenced by other variables not included in this study.Key words: Quality of Service, Quality Products and Customer Satisfaction.
PENGARUH CAR, NPL, NIM, LDR TERHADAP TINGKAT PROFITABILITAS BANK NON DEVISA DI INDONESIA TAHUN 2005-2009 Edo Pratama, 08.05.51.0068; Farchan, Farchan
Students Journal of Economic and Management Vol 1, No 1 (2012): VOL. 1 NO. 1 EDISI PERTAMA 2012
Publisher : Students Journal of Economic and Management

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Abstract

This study aims to analyze the influence of variable capital adequacy ratio (CAR), net interest margin (NIM), non performing loans (NPL) and loan to deposit ratio (LDR) to profirabilitas. Testing the hypothesis in this study using multiple regression analysis (Multiple Regression) Samples used in this study as many as 16 non-bank foreign exchange banking institution with a purposive sampling technique, which is a technique based on the criteria for the determination of the sample. Criteria are banks that submit financial statements in 2005 until 2009. data collection techniques were tested using OLS regression method. The results after a partial test of the hypothesis shows that the CAR, NPL and the LDR is shown to have a negative effect but not significant. NIM is shown to have a positive effect on profitability but significant. NIM thus able to increase profitability. Keywords: Capital Adequacy Ratio (CAR), non-performing loans (NPLs), Net Interest Margin (NIM), and the Loan to Deposit Ratio (LDR), profitability (ROA)