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DETERMINASI TINGKAT SUKU BUNGA DASAR KREDIT MIKRO (STUDI KASUS PADA BANK BUMN DAN BANK UMUM SWASTA NASIONAL DI INDONESIA PERIODE MARET 2013 – OKTOBER 2014) Indah Sulistyawati; Ajeng Kartika Galuh
Jurnal Ilmiah Mahasiswa FEB Vol 3, No 2: Semester Genap 2014/2015
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

This research aims to find out the effect of cost of loanable fund, overhead cost, MSME’s risk  and  loan  to  deposite  ratio  on  micro  base  lending  rate  in  state  owned  bank  and  foreign exchange commercial bank.   Panel data  regression  is used  to analyze  this data  research. Using this method,  it can be analyzed  the  impact of    factors which are determines micro base  lending rate in fixed effect model. The results of this research are only MSME’s risk is determining micro base  lending  rate  in  state  owned  bank  and    foreign  exchange  commercial  bank’s  micro  base lending rate is determined by overhead cost, MSME’s risk and loan to deposite ratio. Keyword: Micro Base Lending Rate, Cost of Loanable Fund, Overhead Cost, MSME’s risk, Loan to Deposite Ratiio, Panel Data Regression.
Rasio Lendutan Geser terhadap Lendutan Lentur dan Pengaruhnya terhadap Kekakuan Lentur (EI) pada Balok Kayu Ratio of Shear to Bending Deflection and Its Influence to Bending Stiffness (EI) of Timber Beam Indah Sulistyawati
Jurnal Ilmu dan Teknologi Kayu Tropis Vol 4, No 2 (2006): Jurnal Ilmu dan Teknologi Kayu Tropis
Publisher : Masyarakat Peneliti Kayu Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (278.425 KB) | DOI: 10.51850/jitkt.v4i2.276

Abstract

Bending Stiffness values which is expressed in EI can be obtained by using bending test of beam in laboratory. Base on value of deflection that was entered to one particular equation, can be calculated the bending stiffness. Usually bending test in laboratory was conducted with beam put down above two simple placements by giving one point loading in the middle span or two points loading in one-third span each. The deflection was measured in the middle of span. In the calculation of bending stiffness, usually used the deflection of the bending moment only. In fact, there was deflection caused by shear load, so total deflection in the middle span is bending deflection plus shear deflection. The shear deflection on beams with certain length and dimension was compared to bending deflection that has different value to each other. The test of Acacia mangium timber beam showed that comparison value has variety; it can reach more than 15%. This matter will influence the value of the bending stiffness of beam. By including shear deflection higher bending stiffness value will be obtained, so it will yield more economical design.The objective of this research was to determine ratio of shear to bending deflection, and the influence of calculation of bending stiffness if shear deflection on the beam with certain dimension and length of span is calculated.
Menduga Modulus Geser dengan Memanfaatkan Modulus Elastisitas Contoh Uji Ukuran Pemakaian dan Bebas Cacat Predicting Shear Modulus Using the Elasticity Modulus of Full-Scale and Small-Clear Wood Specimen Indah Sulistyawati; Abdul Muhar Husin; Surjono Surjokusumo
Jurnal Ilmu dan Teknologi Kayu Tropis Vol 3, No 1 (2005): Jurnal Ilmu dan Teknologi Kayu Tropis
Publisher : Masyarakat Peneliti Kayu Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (225.277 KB) | DOI: 10.51850/jitkt.v3i1.300

Abstract

To predict the elasticity modulus of wood, an assumption is made that all of deflection is due to the bending moment. Actually the total deflection of a beam made up of a bending and shear component. The composition of the bending deflection has EI as the bending stiffness factor and for the shear deflection has a GA as the shear stiffness factor, where E is the elasticity modulus, I is the moment of inertia, G is the shear modulus and A is the cross sectional area of a beam. The shear modulus of wood can be determined by using the true elasticity modulus of full-scale specimen test and the apparent elasticity modulus of small-clear specimen test of the beam with single load at mid-point for simply supported beam. From the comparison of them the shear modulus of wood can be obtained. The result of this research shown that the shear modulus of Acacia mangium is 1/17.45 multiplies by the elasticity modulus.
Pengaruh Disiplin Kerja dan Kepuasan Kerja Terhadap Kinerja Karyawan Pada PT. HAHA Spektrum Indonesia Depok Indah Sulistyawati; Rosento Rosento
Journal of Management and Creative Business Vol. 2 No. 3 (2024): July : Journal of Management and Creative Business
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/jmcbus.v2i3.2907

Abstract

This research is to determine the effect of Work Discipline and Job Satisfaction on Employee Performance at PT. HAHA Indonesian Spectrum. The research design used by the author uses quantitative methods. The sampling technique uses a saturated sampling technique. Data collection for the results of respondents' answers in the questionnaire used a Likert scale. The total sample is 40 employees at PT. HAHA Spektrum Indonesia and tested using SPSS Version 20. The results of the hypothesis test calculation obtained an F value of 11.191. It can be concluded that the hypothesis (H3) states that there is a positive and significant influence between work discipline and job satisfaction on the performance of PT employees. HAHA Indonesian Spectrum. This is because the calculated F value of 11.191 is greater than the F table of 3.250. And it is supported by a significant value of 0.000 where the condition for accepting this hypothesis is a significant value of less than 0.05. From the test results between the independent variables, namely work discipline and job satisfaction with the dependent variable, namely employee performance, it can be seen that F count is (11.191) F table (3.250) and a significant value of 0.000 < 0.05.