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All Journal PERMANA Journal of Economics, Business, & Accountancy Ventura Benefit: Jurnal Manajemen dan Bisnis Monex: Journal of Accounting Research Masyarakat Berdaya dan Inovasi Budimas : Jurnal Pengabdian Masyarakat PERMANA : Jurnal Perpajakan, Manajemen, dan Akuntansi JABKO: Jurnal Akuntansi dan Bisnis Kontemporer Konsentrasi: Jurnal Manajemen dan Bisnis Jurnal Akselerasi Merdeka Belajar dalam Pengabdian Orientasi Masyarakat (Jurnal AMPOEN)
Sujarwo, Makmur
Universitas Pancasakti Tegal
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Law, Crime, Criminology & Criminal Justice Library & Information Science Nursing Social Sciences Other

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ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI KEPUTUSAN NASABAH DALAM MEMILIH JASA PERBANKAN DI PT BANK MUAMALAT INDONESIA TBK,UNIT PELAYANAN SYARIAH TEGAL Sujarwo, Makmur
PERMANA Vol 6, No 2 (2015)
Publisher : PERMANA

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Abstract

The purpose of this research is to test the influences of attitude, motivation and religiousness on customer decision.The samples size of this research is 105 customer of Bank Muamalat Tegal. Respondent’s answer for close questions about variable that is researched in this research will be analyzed using index value and Double Regression Examination while the answer for open question will be analyzed qualitative.The results analyze shows that the attitude, motivation and religiousness have positive influence and significant for customer decision.Keywords : attitude, motivation, religiousness and customer decision.
PENGARUH RASIO LAPORAN KEUANGAN TERHADAP KEBIJAKAN PENYALURAN KREDIT PADA BANK PERKREDITAN RAKYAT KONVENSIONAL DI INDONESIA Sari, Inayah Adi; Sujarwo, Makmur
PERMANA Vol 9, No 1 (2017): Agustus
Publisher : PERMANA

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Abstract

Loan portfolio is the main activity in the banking sector. These activities generate revenue so that banks in carrying out its functions should be based on the precautionary principle. It is necessary to pay attention to factors such as the ratio of credit loans (NPL), factor capital adequacy ratio (CAR and DPK), the level of the operational efficiency of the bank (BOPO) and the level of profit generated (ROA) . reseach was done in order to determine the effect the relationship between the variables ( NPL, CAR, DPK, ROA and ROA) on the variable number of loans at BPR Konventinal in Indonesia. The method used is quantitative method. This study used cross section data in 2014 -2016 were obtained through an annual financial report on the official website of the financial services authority. This study using purposive sampling method. based on the criteria, there were 41 BPR sampled. Hypothesis testing is done by using multiple linear regression and classic assumptions. T test results showed that the variables NPL significant negative effect on the amount of lending. While the variable CAR, deposits and ROA positive and significant impact on the amount of lending and ROA has no effect on the amount of lending. Based on F test showed that the variables NPL, CAR, DPK, ROA and ROA simultaneously affect the amount of lending. The coefficient of determination shows that the predictive ability of the independent variables fifth by 82% while the remaining 18% are influenced by other variables outside the research.  Keyword: NPL, CAR, DPK, BOPO , ROA and Number of loan.
Co-Authors Adi Inayah Sari Agus Prasetyono Ahmad Farihi Amandha Oktadhianti Amirah Amirah Amirah, Amirah Ananda, Dea Annisa Sarah Dewi Dias Intan Listyani Dien Noviany Rahmatika Dimas Maulana Priya Adtya Yudha Fadilah, Imroatul Fahmi Firmansyah Farida Indriani Inayah Adi Sari Istimemonda, Ginarti Khofifah, Ikfi Laelatul Malafitri, Nurulita Maulida Dwi Kartikasari Mr. Tabrani Sari, Adi Inayah Setyowati Soebroto Shalma Kartika Sari Sri Murdiati Subekti Subekti Subekti Subekti Subekti Subekti Sulistianingsih, Endang Sumarno Sumarno Teguh Budi Raharjo Tri Sulistyani Tri Sulistyani Trisnawati, Ayu Wiyanti, Sari Yunita, Eva Anggra