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All Journal Dinamika Hukum Jurnal STIE Semarang (Edisi Elektronik) JURNAL CAPITAL : Kebijakan Ekonomi, Manajemen dan Akuntansi
Fandil, Fandil
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice

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PENYELESAIAN KREDIT MACET PT. BPR ARTO MORO SEMARANG MELALUI EKSEKUSI HAK TANGGUNGAN Fandil, Fandil; Fitika Andraini
Jurnal Ilmiah Dinamika Hukum Vol 22 No 1 (2021): Vol. 22 No. 1 Edisi April 2021
Publisher : Fakultas Hukum Universitas Stikubank

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35315/dh.v22i1.8433

Abstract

The provision of credit / loans by credit-giving institutions, both banks and other financial institutions, is intended as an effort to make a profit, so the lending institution views credit / loans as a reliable source of income or profit. In connection with the issue of credit / loan provision, credit institutions such as PT. BPR Arto Moro Semarang as the party that lends money (creditors) needs to get a guarantee as a condition for the loan that the debtor will receive on condition that he gives interest when repaying the loan. In practice, the obstacles that PT. BPR Arto Moro Semarang, especially for debtors with guarantees by using the Deed of Providing Mortgage Rights (APHT) which is registered with the National Land Agency (BPN), if the credit is jammed and failed to promise, the bank will take the final step in accordance with applicable law, namely implementing execution of mortgage rights through the Office of State Wealth and Auction Services (KPKNL) or through the District Court (PN). The type of research used in this research is normative juridical. Juridical research, is used, among other things, to analyze various legal theories and laws and regulations related to the juridical review of the accounts payable agreement as a principal agreement with guarantees of insurance rights at PT. BPR Arto Moro Semarang. Juridical means that this research emphasizes the science of law. Meanwhile, normative is this research that examines the rules that apply in society. Thus normative juridical is an approach to the study of legal problems from the aspect of applicable legal regulations. The results of this study are: the settlement of bad credit tied to mortgage rights at PT. BPR Arto Moro Semarang after performing credit rescue through 3R (rechedulling, restructuring and reconditioning). Before the execution of mortgage rights is carried out, non-litigation measures by way of selling collateral based on mutual agreement based on paragraph (2) article 20 of the Mortgage Rights Law. During 2018 to 2020 Mortgage Execution can contribute to the settlement of non-performing loans as much as 45% or Rp. 15,731,212,000, - from an amount of Rp. 34,964,970,686, -. Meanwhile, the occurrence of bad credit is due to internal factors: a. Loans not fully channeled for business, b. Business management skills are still lacking, c. Very tight business competition. External factors are due to unstable economic conditions, which consequently have an impact on the ability of customers to pay off their debts. Keywords : Bad credit, collateral, execution, and mortgage.
PENGARUH PROFITABILITAS, STRUKTUR AKTIVA DAN UKURAN PERUSAHAAN TERHADAP STRUKTUR MODAL SEKTOR CONSUMER NON-CYCLICALS Handayani, Dewi Sri; Fandil, Fandil; Rochmawan, Mohammad Laksono Tri
JURNAL CAPITAL : Kebijakan Ekonomi, Manajemen dan Akuntansi Vol 6 No 1 (2024): jurnal capital
Publisher : Sekolah Tinggi Ilmu Ekonomi Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33747/capital.v6i1.207

Abstract

The capital structure is a description of the company's finances for sources of financing by calculating the difference between own capital and long-term debt. The purpose of this study is to determine the factors that influence the capital structure of Consumer Non-Cyclicals sector companies listed on the Indonesia Stock Exchange in 2019-2021. The population in this study were all Consumer Non-Cyclicals sector companies listed on the Indonesia Stock Exchange totaling 57 companies. The sample in this study used purposive sampling so that a sample of 30 companies was obtained. The dependent variable in this study is Capital Structure, the independent variables are Profitability (X1), Capital Structure (X2) and Firm Size (X3). The analytical method uses multiple linear regression analysis. Based on the results of data analysis it was concluded that Profitability has no effect on Capital Structure with a significance value of 0.137 > 0.05. Asset structure has no effect on capital structure with a significance value of 0.667 > 0.05. Firm size has an effect on Capital Structure with a significance value of 0.004 <0.05. The coefficient of determination is 8.8%. Advice that can be given to investors is to pay attention to the Company Size ratio because it affects the Capital Structure of the company, so that investment will be more profitable. For future researchers to be able to replace or add other types and sectors so that more accurate results are obtained.
PENGARUH LIKUIDITAS, PROFITABILITAS DAN LEVERAGE TERHADAP KUALITAS LABA PADA PERUSAHAAN PROPERTY DAN REAL ESTATE Handayani, Dewi Sri; Pranoto, Sarastanto Aulia Heru; Fandil, Fandil
JURNAL STIE SEMARANG Vol 17 No 1 (2025): Jurnal STIE Semarang
Publisher : Sekolah Tinggi Ilmu Ekonomi Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33747/stiesmg.v17i1.781

Abstract

Abstract. This study investigates the impact of liquidity, profitability, and leverage on earnings quality in property and real estate companies listed on the Indonesia Stock Exchange (IDX) for the 2020–2023 period. Using purposive sampling, 11 companies with a total of 44 observations were selected. The analysis employs multiple linear regression through SPSS 22. Results reveal that liquidity and leverage have no significant effect on earnings quality, while profitability exhibits a negative and significant influence. These findings suggest that companies with lower profitability struggle to maintain sustainable earnings. The study highlights the importance of profitability management and offers recommendations for investors and policymakers. Future research is encouraged to explore additional variables such as corporate governance and extend the study period.Keywords: earnings quality, liquidity, profitability, leverage Abstraksi. Penelitian ini mengkaji pengaruh likuiditas, profitabilitas, dan leverage terhadap kualitas laba pada perusahaan properti dan real estate yang terdaftar di Bursa Efek Indonesia (BEI) periode 2020–2023. Dengan teknik purposive sampling, 11 perusahaan dengan total 44 observasi dipilih. Analisis menggunakan regresi linier berganda melalui SPSS 22. Hasil menunjukkan bahwa likuiditas dan leverage tidak berpengaruh signifikan terhadap kualitas laba, sedangkan profitabilitas memiliki pengaruh negatif yang signifikan. Temuan ini mengindikasikan bahwa perusahaan dengan tingkat profitabilitas rendah cenderung kesulitan menjaga laba berkelanjutan. Penelitian ini menyoroti pentingnya manajemen profitabilitas serta memberikan rekomendasi bagi investor dan pembuat kebijakan. Penelitian selanjutnya diharapkan dapat mengeksplorasi variabel tambahan seperti tata kelola perusahaan dan memperpanjang periode penelitian.
PENGARUH KENAIKAN UPAH MINIMUM REGIONAL (UMR) DAN JUMLAH PENDUDUK TERHADAP PENERIMAAN PAJAK BUMI DAN BANGUNAN (PBB) Heru Pranoto, Sarastanto Aulia; Handayani, Dewi Sri; Fandil, Fandil
JURNAL CAPITAL : Kebijakan Ekonomi, Manajemen dan Akuntansi Vol 7 No 1 (2025): jurnal capital
Publisher : Sekolah Tinggi Ilmu Ekonomi Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33747/capital.v7i1.265

Abstract

This study aims to analyze the effect of the increase in the Regional Minimum Wage (UMR) and the number of residents on the revenue of Land and Building Tax (PBB) in South Semarang District, Semarang City in 2021–2023. This study uses a quantitative method with a descriptive approach and multiple linear regression analysis. Primary data were obtained by distributing questionnaires to 100 respondents, which were determined by random sampling techniques based on the Slovin formula. The results of the analysis show that UMR has a positive and significant effect on PBB revenue with a significance value of <0.05. Meanwhile, the number of residents does not have a significant partial effect on PBB revenue. However, simultaneously UMR and population have a significant effect on PBB revenue in South Semarang District. The coefficient of determination (Adjusted R²) shows that the independent variables are able to explain the variation in PBB revenue by a fairly high percentage. Based on these findings, it is recommended that local governments consider the dynamics of UMR in policies to increase regional tax revenue and pay attention to population growth patterns as supporting factors in the long term.
Co-Authors Fitika Andraini Handayani, Dewi Sri Heru Pranoto, Sarastanto Aulia Pranoto, Sarastanto Aulia Heru Rochmawan, Mohammad Laksono Tri