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DETERMINAN CAPITAL BUFFER: KAJIAN EMPIRIK INDUSTRI PERBANKAN NASIONAL Haryanto, Sugeng
Jurnal Ekonomi Modernisasi Vol. 11 No. 2 (2015): Juni
Publisher : Fakultas Ekonomika dan Bisnis, Universitas Kanjuruhan Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (272.21 KB) | DOI: 10.21067/jem.v11i2.872

Abstract

Penelitian ini menganalisis faktor-faktor yang mempengaruhi Capital Buffer. Di mana variabel likuiditas,  ukuran bank, Risiko (NPL), profitabilitas dan efisiensi sebagai variabel prediktor. Penelitian ini dilakukan pada bank yang go publik di Bursa Efek Indonesia, dengan periode penelitian tahun 2008-2013. Capital Buffer merupakan selisih antara CAR bank dengan ketentuan CAR. Tujuan penelitian ini adalah untuk menganalisis pengaruh likuiditas,  ukuran bank, risiko, profitabilitas dan  efisiensi terhadap Capital Buffer, baik secara simultan maupun parsial. Teknik analisis yang digunakan regresi berganda. Hasil penelitian menunjukkan bahwa secara simultan likuiditas, ukuran bank, risiko, profitabilitas dan efisiensi berpengaruh signifikan terhadap Capital Buffer. Secara parsial ukuran perusahaan, risiko dan profitabilitas berpengaruh terhadap capital buffer, sedngkan likuiditas dan efisiensi tidak berpengaruh terhadap capital buffer.
KEMAMPUAN DAN PEMANFAATAN KREDIT OLEH IRT DALAM UPAYA PENGEMBANGAN USAHA: PADA PENGUSAHA KRIPIK TEMPE Haryanto, Sugeng
Jurnal Keuangan dan Perbankan Vol 12, No 1 (2008): January 2008
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (145.423 KB) | DOI: 10.26905/jkdp.v12i1.880

Abstract

This research explained the ability and the credit use in home made business namelytempe crispy chips. The sample of this research was home made business in Tugu sub district,Trenggalek regency that made tempe crispy chips. Credit for business was a factor which hada very important role in supporting the increase of a business. Credit giving was an injectionhoped to create capital for people economy activity and to increase production. This researchintended to 1) know the ability of home made industry in taking credit from micro financeunit, and 2) know the credit used by home made industry in increasing the business. Homemade industry had an ability to take credit from a bank. They all had accepted credit fromlocal government distributed through BPR (people Credit Bank) namely credit program. Credituse was not only used for increasing business but also for fulfilling other household needs.
Respon Mikro Organisme Lokal Bonggol Pisang Terhadap Produksi Kacang Panjang (Vigna Unguiculata) Samad, Sofyan; Abdullah, Hayun; Haryanto, Sugeng; Mahmud, Shubzan Anandi
Syntax Literate Jurnal Ilmiah Indonesia
Publisher : CV. Ridwan Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (311.035 KB) | DOI: 10.36418/syntax-literate.v6i10.4312

Abstract

Kacang panjang adalah sayuran meningkatkan kecerdasan. Tujuan mengetahui respon mikro organisme lokal (MOL) bonggol pisang terhadap produksi tanaman kacang panjang. Tempat di kelurahan Fitu Kecamatan Ternate Selatan dari bulan September - Oktober 2019. Bahan benih kacang panjang, air kelapa, mikro ordanisme lokal (MOL) bonggol pisang, air cucian beras, gula. Rancangan acak kelompok 1 faktor dan 3 ulangan. Perlakuan dengan 5 taraf pupuk MOL bonggol pisang yaitu tanpa MOL bonggol pisang per lite air (B0)., MOL bonggol pisang 400 ml per lite air (B1)., MOL bonggol pisang 800 ml per lite air (B2)., MOL bonggol pisang 1200 ml per lite air (B3)., MOL bonggol pisang 1400 ml per lite air (B4). Hasil analisis ragam menunjukkan pupuk organik cair mikro organisme lokal (MOL) bonggol pisang pada dosis 1400 ml (B4) menhasilkan tinggi tanaman 17 cm dan 14 helai hal ini terjadi pada umur 14 HST . Demikian juga komponen jumlah bunga terbentuk 5 bunga panen pertama dan 5 bunga panen kedua, jumlah polong terbentuk 8 polong panen pertama dan 8 polong panen kedua. Komponen panjang polong 82 cm panen pertama dan panjang polong 83 cm panen kedua. Sedangkan diameter polong 4 mm panen pertama dan diameter polong 5 mm panen kedua. Komponen bobot polong 387 g panen pertama dan 437 g panen kedua. Pupuk organik cair mikro organisme lokal bonggol pisang sangat baik untuk digunakan peningkatkan produksi tanaman kacang panjang dan tanaman hortikultura lainnya.
New Fomula Organic Liquid Fertilizer (Poc Fb) On The Production Of Lettage (Lactuca sativa L) Samad, Sofyan; A. Mahmud, Shubzan; Haryanto, Sugeng; Abdullah, Hayun
Agrikan Jurnal Agribisnis Perikanan Vol. 15 No. 1 (2022): Agrikan: Jurnal Agribisnis Perikanan
Publisher : Fakultas Pertanian, Universitas Muhammadiyah Maluku Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1253.029 KB) | DOI: 10.52046/agrikan.v15i1.1013

Abstract

Lettuce (Lactuca sativa L.) is a vegetable of the world community for salads, fresh vegetables and lettuce leaf juice. The purpose of this study was to determine the growth and production of lettuce plants. Methods: January - April 2021. Farmers' gardens in Gambesi Village, Ternate, North Maluku. Lettuce seed plant material, new formula liquid organic fertilizer (POC FB) and with treatment consisting of: Treatment without new formulation liquid organic fertilizer (POCFB) 1 liter of water/3 polybags (A1), 5 cc of POCFB treatment / 1 liter of water/3 polybags (A2)., POCFB treatment 10 cc/1 liter of water/3 polybags (A3)., POCFB treatment 15 cc/1 liter of water/3 polybags (A4)., POCFB treatment 20 cc/1 liter of water/3 polybags (A5 ). Agronomic parameters include: 1) Lettuce height (cm), 2) lettuce leaf number, 3) Length (cm), 4) Fresh weight of sample (g) with analysis of variance (Anova). The results of the analysis of variance showed that the treatment of POCFB 20 cc/L water/3 polybags (A5) affected all parameters of lettuce observation, age 10 DAP was 5 cm high, at 20 DAP the highest was 9 cm and at 30 DAP the height was 18 cm. Meanwhile, at harvest, the maximum number of lettuce leaves was 6, the longest leaf was 17 cm, and the heaviest sample weight was 118 g when compared to other treatments. Macro and micro elements in POCFB so as to encourage, accelerate the increase in size, length of lettuce.
Mampukah publikasi akuntansi lingkungan menjadi pengungkit kinerja keuangan Setiyanto, Arga Rizki; Haryanto, Sugeng; Sunardi, Sunardi
Jurnal Ekonomi Modernisasi Vol. 19 No. 3 (2023)
Publisher : Fakultas Ekonomika dan Bisnis, Universitas Kanjuruhan Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21067/jem.v19i3.9139

Abstract

The main goal of a company is profit. A great company will find the best method to make profit and also preserve nature. The objective of this study is to determine how a firm's size and age affect its financial performance through the use of environmental accounting disclosure levels. This study is a combined study with quantitative information. The object of this study is the manufacturing industry on the BEI. The results of this study are company size, age, and environmental accounting disclosure have no direct influence on the financial performance. This study also found that the level of environmental accounting disclosure is directly influenced by company size and age. In addition, this study also shows that the impact of firm size and firm age on a company's financial performance can be lowered when a company uses the disclosure strategy of environmental accounting.
The Effect of Information Quality, System Quality, Ease of Use on User Satisfaction’s Qris (Quick Response Indonesian Standard) in SME’S Rachmacandrani, Neni; Natsir, Mokhamad; Respati, Harianto; Haryanto, Sugeng; Setiyadi, Sina
Journal of Economics and Public Health Vol 2 No 1 (2023): Journal of Economics and Public Health: March 2023
Publisher : Global Health Science Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37287/jeph.v2i1.1572

Abstract

This study aims to determine the effect of information quality, system quality, and ease of transaction on QRIS user satisfaction in Batik Blimbing Malang MSMEs. The population of this research is consumers of Batik Blimning Malang City who use the QRIS (Quick Response Indonesian Standard) application. The sampling method used in this study was random sampling method, namely by using a simple random sampling technique. The number of samples in this study was 103. The model and data collection used a questionnaire. The analytical method used is multiple regression analysis. The results of the study found that information quality did not significantly influence QRIS user satisfaction. Then, system quality and ease of transaction have a positive and significant effect on satisfaction. Ease of transaction is the most dominant variable affecting user satisfaction.
Determinants of Risk in Indonesian Islamic Banking: An Empirical Investigation Haryanto, Sugeng; Safriliana, Retna; Ridloah, Siti; Ariefudin, Muhammad Umar; Khotimah, Lidia Khusnul
Share: Jurnal Ekonomi dan Keuangan Islam Vol 13, No 1 (2024)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v13i1.20758

Abstract

Islamic banking has witnessed significant growth globally, including in Indonesia, with expansions in both fund mobilization and financing activities. This study analyzes the determinants of risk in Indonesian Islamic banks from 2009 to 2022, focusing on the effects of financing-to-deposit ratio (FDR), financing growth, efficiency, company size, capital adequacy ratio (CAR), and third-party fund (DPK), on non-performing financing (NPF). Utilizing unbalanced panel data and multiple linear regression, the research finds that financing growth and efficiency have negligible effects on risk. In contrast, FDR, company size, CAR, and DPK significantly influence it. Higher FDR is linked to increased risk, while larger banks and higher CAR are associated with reduced risk. The results suggest that Islamic banks should balance financing and deposits to manage risk effectively and emphasize the importance of efficient operations and sustainable growth. This research is limited to the internal aspects of banks as determinants of FDR. Future research could examine external factors and alternative risk measures to deepen the understanding of risk in Islamic banking.==============================================================================================================ABSTRAK – Determinan Risiko Perbankan Syariah di Indonesia: Suatu Kajian Empiris. Perbankan syariah mengalami pertumbuhan yang signifikan secara global, termasuk di Indonesia, terutama dalam hal mobilisasi dana dan aktivitas pembiayaan. Studi ini menganalisis faktor-faktor penentu risiko pada perbankan syariah di Indonesia periode 2009 - 2022. Secara spesifik, kajian ini menguji pengaruh FDR, pertumbuhan pembiayaan, efisiensi, ukuran perusahaan, CAR dan DPK terhadap pembiayaan bermasalah. Dengan menggunakan data panel tidak seimbang (unbalance) dan regresi linier berganda, penelitian ini menemukan bahwa pertumbuhan pembiayaan dan efisiensi tidak memiliki pengaruh yang signifikan terhadap risiko. Sebaliknya, FDR, ukuran perusahaan, CAR, dan DPK memberikan pengaruh yang signifikan terhadapnya. FDR berkorelasi positif dengan peningkatan risiko, sementara ukuran perusahaan dan CAR berkorelasi negatif dengan pengurangan risiko. Kajian ini menyarankan agar bank-bank syariah menyeimbangkan antara pembiayaan dengan simpanan sehingga dapat mengelola risiko secara efektif dengan penekanan pada efisiensi operasional dan pertumbuhan berkelanjutan. Penelitian ini dibatasi pada aspek internal bank sebagai determinan FDR. Penelitian selanjutnya dapat mengkaji faktor-faktor eksternal dan ukuran risiko alternatif untuk memperdalam pemahaman tentang risiko dalam perbankan syariah.
Memasyarakatkan Bunga Telang Sebagai Pewarna Alami Pembuatan Makanan Dan Minuman Di Desa Yamli Kec. Gane Barat Selatan Halmahera Selatan Arifin, Tuti Handayani; Suwarno, Kuwad; Soenarsih DAS, Sri; Haryanto, Sugeng; Syafi, Sartika; Melati, Rima; Mandea, Abd. Rahmat; ., Suleyman; Darmawan, M.
Jurnal Pengabdian Khairun Vol 3, No 2 (2024)
Publisher : Universitas Khairun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33387/jepk.v3i2.9073

Abstract

Bertujuan untuk memasyarakatkan bunga telang (Clitoria ternatea) sebagai pewarna alami dalam pembuatan makanan dan minuman di Desa Yamli, Kecamatan Gane Barat Selatan, Kabupaten Halmahera Selatan Program Studi Agroteknologi Fakultas Pertanian Universitas Khairun melalui pendekatan partisipatif, kegiatan ini melibatkan masyarakat lokal untuk memahami manfaat dan teknik pengolahan bunga telang sebagai pewarna. Capaian dari kegiatan ini menunjukkan bahwa bunga telang dapat diterima sebagai bahan pewarna alami yang menarik dan sehat, serta memiliki prospek untuk dikembangkan dalam produk makanan dan minuman lokal. Diharapkan bahwa pengenalan bunga telang sebagai pewarna alami ini tidak hanya meningkatkan nilai ekonomi masyarakat setempat, tetapi juga mengurangi ketergantungan pada pewarna sintetis yang berpotensi berbahaya bagi kesehatan.
Efficiency and Rentability of Islamic Banks in Indonesia Haryanto, Sugeng; Bachtiar, Yanuar; Khotami, Wildani
INOVATOR Vol 9 No 1 (2020): MARET
Publisher : prodima@fe.uika-bogor.ac.id

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/inovator.v9i1.2972

Abstract

This study aims to analyze the influence of macroeconomic factors, efficiency, risk, financing to deposit ratio and CAR on the rentability of Islamic banks. This research is a quantitative descriptive. The study period was conducted in 2010-2019, with quarterly data. The data source is secondary data. Data collection techniques are done by documentation. Data is taken from www.ojk.go.id and www.bi.go.id. The type of data used is quantitative data. The research variables are rentability, efficiency, financing risk, FDR, Capital Adequacy Ratio (CAR) and macroeconomic data in the form of GDP and inflation. Rentability is measured by Nett operating margin (NOM), bank efficiency is measured using BOPO and financing risk is measured by non-performing financing (NPF). The analysis technique used is multiple linear regression. The results showed that the GDP variable did not affect rentability. Efficiency, risk, and CAR affect rentability. FDR does not affect rentability.
Growth and Productivity of Tidore Local Chili (Capsicum sp) with Green Fertilizer on Marginal Soil Type in Campus IV Area of Khairun University Abdullah, Hayun; Mahmud, Shubzan Andi; Haryanto, Sugeng; Abdullatif, Zauzah
Agrikan Jurnal Agribisnis Perikanan Vol. 17 No. 2 (2024): Agrikan: Jurnal Agribisnis Perikanan
Publisher : Fakultas Pertanian, Universitas Muhammadiyah Maluku Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52046/agrikan.v17i2.2207

Abstract

This study explores the potential of weeds as a source of green fertilizer to increase the growth and production of local Tidore chilli plants (Capsicum annuum L) on marginal land. Using a Random Group Design, five green manure treatments were tested, namely without green manure (control), Clotalaria juncea, Ageratum conyzoides, Cassia tora, and Colopogonium mucanoides. The analysis showed that using Crotalaria juncea green fertilizer significantly impacted plant height, number of primary branches, petioles, and flowers and fruits. This green fertilizer also increases the fruit's fresh weight, with the highest average reaching 296.50 g in the 4th harvest. These findings show that using weeds as green fertilizer can be a sustainable alternative to improve soil fertility and agricultural productivity on marginal land.