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All Journal MATRIK: JURNAL MANAJEMEN, STRATEGI BISNIS, DAN KEWIRAUSAHAAN Benefit: Jurnal Manajemen dan Bisnis Falah : Jurnal Ekonomi Syariah
Ahmad Aziz Putra Pratama
Magister Sains Manajemen, Departemen Manajemen, Fakultas Ekonomi Dan Bisnis, Universitas Airlangga, Indonesia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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MODAL, TINGKAT LIKUIDITAS BANK, NPL DAN PERTUMBUHAN KREDIT PERBANKAN INDONESIA Rahmat Setiawan; Ahmad Aziz Putra Pratama
Matrik : Jurnal Manajemen, Strategi Bisnis dan Kewirausahaan Volume 13 Nomor 1 Tahun 2019
Publisher : Universitas Udayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (247.307 KB) | DOI: 10.24843/MATRIK:JMBK.2019.v13.i01.p10

Abstract

Tujuan dari penelitian ini adalah untuk menguji pengaruh modal bank terhadap pertumbuhan kredit dengan moderasi tingkat likuiditas dan kualitas kredit perusahaan perbankan yang terdaftar di Bursa Efek Indonesia (BEI). Penelitian ini menggunakan model regresi linier berganda dan Moderated Regression Analysis (MRA). Data diperoleh dari laporan keuangan perusahaan yang diterbitkan pada periode 2010-2016. Variabel dependen dalam penelitian ini adalah pertumbuhan kredit yang diproksi dengan Pertumbuhan Kredit Bersih. Variabel independen menggunakan modal bank diproksi dengan Capital Adequacy Ratio (CAR). Variabel moderasi dalam penelitian ini menggunakan tingkat likuiditas yang diproksi dengan rasio likuiditas dan kualitas kredit yang diproksi dengan Non Performing Loan (NPL). Selain itu, variabel pengendali dalam penelitian ini adalah ukuran perusahaan yang diproksikan dengan logaritma total aset. Hasil penelitian menunjukkan bahwa modal bank berpengaruh positif signifikan terhadap pertumbuhan kredit, sedangkan rasio likuiditas memperkuat pengaruh positif modal bank terhadap pertumbuhan kredit dan kredit macet memitigasi dampak positif modal bank terhadap pertumbuhan kreditKata Kunci: capital adequacy ratio, ukuran perusahaan, liquidity ratio, pertumbuhan kredit bersih, non performing loan
Penguatan Pengaruh Modal Bank Terhadap Pertumbuhan Kredit Melalui Pengelolaan Likuiditas Ahmad Aziz Putra Pratama
Benefit: Jurnal Manajemen dan Bisnis Volume 4 No 2 Desember 2019
Publisher : Program Studi Manajemen Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/benefit.v4i2.9125

Abstract

The purpose of this research is to examine the effect of bank capital on lending  growth with moderation of liquidity level of banking companies listed in Indonesian Stock Exchange. This study used multiple linear regression model and Moderated Regression Analysis (MRA). Data obtained from the company's financial report published in 2010-2016 period. Dependent variable in this research is lending growth proxied with Net Loans Growth. Independent variable used bank capital proxied with Capital Adequacy Ratio (CAR). Moderating variable in this research used liquidity level proxied with liquidity ratio. In addition, controlling variables in this study are firm size proxied with  logarithm of total assets and credit quality proxied with Non Performing Loan (NPL). The results showed that bank capital has significant positive effect on lending  growth, while the liquidity ratio strengthens positive influence of bank capital on lending growth. Size control variable has significant positive effect on lending growth while NPL variable has no significant effect on lending growth.
The Factors that Influence the Community Preference Using Financial Technology Services in Sharia Financial Institutions Ahmad Aziz Putra Pratama
Falah: Jurnal Ekonomi Syariah Vol. 5 No. 1 (2020): FEBRUARY 2020
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jes.v5i1.11533

Abstract

This research aims to investigate the factors that influence community preference in using financial technology services in sharia financial institutions. This research uses a descriptive quantitative method through multi-linear regression analysis. The respondents of the research are Rembang people who use sharia fintech services with 1,171 respondents. The sample is selected through incidental sampling. The results show that perceived ease, perceived benefit, and attitude influence the community preference using financial technology services in sharia financial institutions.
Co-Authors RAHMAT SETIAWAN