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PENGARUH SUKU BUNGA KEDIT KONSUMSI, PENDAPATAN DAN INFLASI TERHADAP PERMINTAAN KREDIT KONSUMSI PADA BANK PERKREDITAN RAKYAT DI PROVINSI RIAU TAHUN 2008-2019 Ratnasari Dessy Wa; Widayatsari Any; Ekwarso Hendro
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi Vol 7, No 2 (2020): (Juli - Desember 2020)
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi

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This research aims to determine the effect of interest rate of consumption credit, income and inflation to consumption credit demand on Rural Banks in Riau Province. The method used is descriptive quantitative and analyzed simultaneously and partially with OLS (ordinary least square) multiple linear regression. The result of this study shows simultaneously variable of interest rate of consumption credit, income and inflation give significant effect to consumption credit demand on Rural Banks in Riau Province. Partially, interest rate of consumption has negative and significant on consumption credit, income has positive and significant on consumption credit, however inflation has negative and insignificant on consumption credit. Value of determination coefficient shows that interest rate of consumption credit, income and inflation has effect to the consumption credit demand to 75,46% and the remaining 24,54% in effected by other factors outside this research.Keywords: Interest Rate of Consumption Credit, Income, Inflation, Credit of Consumption

PENGARUH SUKU BUNGA DEPOSITO, PRODUK DOMESTIK BRUTO (PDB) PERKAPITA DAN KURS TERHADAP OBLIGASI RITEL INDONESIA (ORI) Aritonang Maringan; Rosyetti Rosyetti; Widayatsari Any
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi Vol 7, No 2 (2020): (Juli - Desember 2020)
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi

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Indonesian Retail Bonds or commonly referred to as ORI is the state bondsissued by the Indonesian government that is sold to private persons or individualscitizens of Indonesia through a selling agent. With the aim of expanding theinvestor base in the country, as an alternative investment instruments to retailinvestors, to support the stability of the domestic financial market, support thecreation of community oriented mid and long-term investment, and realize theideals of self reliance in development financing. Bond investors are in greatdemand because it is safe (low risk). However, in addition to seeking safe,investors also expect a maximum return. This study aims to analyze how depositrates, per capita gross domestic product, and exchange rate affect the IndonesianRetail Bonds demand. The types of data used in this study was a time series datafrom 2006 to 2018 which were sourced from Bank Indonesia and Badan PusatStatistik. This study used quantitative research methods, and analyzed by usingmultiple linear regression analysis by using EViews 10 software program forWindows computers. The result showed the variable Deposito Interest Rate, PerCapita Gross Domestic Product, and Exchange Rate at once / simultaneously hada significant influence on Indonesian Retail Bonds Demand. The individual test /partial showed that Per Capita Gross Domestic Product and Exchange Rate hadpositive influence and significantly on Indonesian Retail Bonds Demand. WhileDeposito Interest Rate had negative influence and significantly on the demand forIndonesian Retail Bonds. Ability prediction of independent variable to explain thedependent variabel with value of adjusted R square equal 0,950919. This meanthat total effect from three independent variabel to dependent variabel is 95.1%while the remaining 4,9% is explained by other variables not included in thisstudy.Keyword : Indonesian Retail Bonds, Deposit Rate, Gross Domestic Product, andExchange Rate.

PENGARUH SUKU BUNGA OBLIGASI, IHSG, DAN PDB PERKAPITA TERHADAP PERMINTAAN OBLIGASI KORPORASI DI INDONESIA TAHUN 2004-2019 Syaputra Dwi Yoga; Syapsan Syapsan; Widayatsari Any
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi Vol 7, No 2 (2020): (Juli - Desember 2020)
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi

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This study aims to determine how much influence the interest rates of bonds, IHSG and GDP per capita on demand for corporate bonds. This study uses an independent variable consisting of interest rates on bonds, IHSG and GDP per capita, with the dependent variable which is the demand for corporate bonds in Indonesia The data used in this study are annual data from 2004-2019. The analytical method used is descriptive quantitative and analyzed partially or simultaneously with multiple linear regression OLS (Ordinary Least Square) approach which is processed using E-Views version 9. From the test results show that the interest rates on bonds, IHSG, and GDP per capita together have a significant effect on demand for corporate bonds in Indonesia. Meanwhile, bond interest rates have a positive and significant effect on demand for corporate bonds, ihsg has a positive and significant effect on demand for corporate bonds in Indonesia and per capita GDP has a negative and not significant effect on demand for bonds in Indonesia. In addition, the value of adjusted R 2 was 89.22%.Keywords: Carporate Bond, Interest Rate Bond, Ihsg, GDP per Capita

FAKTOR-FAKTOR YANG MEMPENGARUHI PENYALURAN KREDIT MODAL KERJA PADA BANK UMUM DI PROVINSI RIAU PERIODE 2009-2019 Zuliyan Desvani Nanda; Ekwarso Hendro; Widayatsari Any
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi Vol 7, No 2 (2020): (Juli - Desember 2020)
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi

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This study aims to determine how far Third Party Funds, Non-Performing Loans, and BI interest rates affecting the optimal distribution of Working Capital Loans at Public Banks in Riau Province during the period 2009 to 2019. This study uses independent variables of Third-Party Funds, bad loans risk or Non Performing Loans, and BI Interest Rate,and dependent variable is distribution of Working Capital Loansat Public Banks in Riau Province during the period 2009 to 2019. The data used in this research is quarter data from Q.1 2008-Q.42019. Data analysis techniques that used in this study is a multiple linear regression analysis or Ordinary Least Square (OLS), while hypothesis testing uses t-test to partially test the influence of variables and the F-test to test the effect of variables simultaneously with a significance level of 5%. The results of statistical tests with the - F test show that Third Party Funds, Non Performing Loans, and BI interestrates affect simultaneously or jointly on the distribution of Working Capital Loans at Public Banks in Riau Province period 2009-2019. While the results of statistical tests with the t-test show that the Third Party Funds variable have a significant positive effect on the distribution of Working Capital Loans, the Non Performing Loans variable does not affect the distribution of Working Capital Loans, and the BI interest rates variable have a significant negative effect on the distribution of Working Capital Loans.Keywords: : Distribution of Working Capital Loans, Public Banks, Third Party Funds, Non Performing Loans, and BI Interest Rates.

PENGARUH TOTAL ASET DAN FINANCING TO DEPOSITO RATIO (FDR) TERHADAP EMBIAYAAN BANK UMUM SYARIAH DI INDONESIA PRIODE 2015-2019 Iskandar Fadly Mohamad; Widayatsari Any; Rahmat Richard Rahmat Richard
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi Vol 7, No 2 (2020): (Juli - Desember 2020)
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi

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This study aims to determine the effect of Total Assets and Financing to Deposit Ratio (FDR) on financing at Islamic commercial banks in Indonesia. This study uses secondary data from BUS sharia financial reports published by the Financial Services Authority (OJK) in the form of quarterly from January 2015 to December 2019. The method used in this study is to use the classical assumption test method, multiple linear regression analysis and using the test t or partial test and F test or simultaneous test. The results showed that the variable Total Assets and Financing to Deposit Ratio (FDR) affected the financing where the Sig value on the Total Assets and FDR variables was 0.011 and 0.000 <0.05 and had a tcount of 2.844 and 4.601> ttable of 2.1098 where partially a positive and significant effect on financing. While simultaneously all variables have a sig value of 0,000 where sig value <0.05 and Fcount value of 177.882 where> Ftable value of 3.59, meaning that together the variable total assets and FDR significantly influence the Financing of Sharia Commercial Banks in Indonesia .Keywords: Total Assets, Financing to Deposit Ratio (FDR), Financing

PENGARUH INFLASI, EKSPOR, DAN PEMBAYARAN CICILAN UTANG LUAR NEGERI TERHADAP CADANGAN DEVISA INDONESIA TAHUN 2004-2019 Kholifah Fitri; Mayes Anthony; Widayatsari Any
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi Vol 7, No 2 (2020): (Juli - Desember 2020)
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi

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This research aims to know how the influence of inflation, exports, and payments of foreign debt installments on foreign exchange reserves in Indonesian in 2004-2019. This research uses independent variables of Inflation, Exports, and Payments of Foreign Debt Installments and dependent variable is Foreign Exchange Reserves in Indonesian. The data used in this research is annual data from 2004-2019. The analytical method used is descriptive quantitative and analyzed partially or simultaneously with multiple linear regression OLS (Ordinary Least Square) processed by using E-Views 10. The results show that, inflation, exports, and payments of foreign debt installments has a significant effect on foreign exchange reserves in Indonesian in 2004-2019. Meanwhile, inflation has a significant negative effect on foreign exchange reserves in Indonesian, exports has significant positive effect on foreign exchange reserves in Indonesian, and payments of foreign debt installments has no signifikan positive effect on foreign exchange reserves in Indonesian. In addition, it was found that the value of adjusted R2 is 84,37%%.Keywords: Foreign Exchange Reserves, Inflation, Exports, Payments of Foreign Debt Installments

PENGARUH DANA PIHAK KETIGA (DPK), NON PERFORMING LOAN (NPL), DAN INFLASI TERHADAP PENYALURAN KREDIT UMKM PADA PERBANKAN DI PROVINSI RIAU PERIODE 2014.QI-2019.QIV Sulistyani Indah Shinta; Iyan Yani Rita; Widayatsari Any
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi Vol 7, No 2 (2020): (Juli - Desember 2020)
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi

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This study aims to determines the influence of Third Party Funds (TPF), Non Performing Loan (NPL), and Inflation to MSME Credit Distribution on Banks in Riau Province period 2014.QI-2019.QIV. The data used in this study are quarterly data from 2014 to 2019. The analytical method used is descriptive quantitative and analyzed with multiple linear regression model of Ordinary Least Square (OLS) approach using the tools of the computer statistical program Eviews version 10. The research results obtained are TPF, NPL and inflation together (simultaneously) affect the distribution of MSME Credit with a significance level of 5%. Partially, TPF have a positive and significant effect on MSME Credit Distribution, Inflation have a negative and significant effect on MSME Credit Distribution, while NPL has a negative and not significant effect on MSME Credit Distribution. Variations of factors that affect MSME Credit Distribution are explained by the TPF, NPL, and inflation together have an effect of 83,48% (adjusted R2 = 0.8348) while the remaining 16,52% is explained by other variables not included in this study.Keywords: TPF, NPL, Inflation, and MSME Credit Distribution

PENGARUH EKSPOR DAN UTANG LUAR NEGERI TERHADAP CADANGAN DEVISA DI INDONESIA TAHUN 2005-2019 Abqori Irwandi Rhobi; Ekwarso Hendro; Widayatsari Any
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi Vol 7, No 2 (2020): (Juli - Desember 2020)
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi

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This study aims to determine the influence of exports and foreign debt on foreign exchange reserves in Indonesia. This study uses independent variables consisting of exports and foreign debt, with the dependent variable, namely foreign exchange reserves. The data used in this study are annual data from 2005- 2019. The analytical method used is descriptive quantitative with multiple linear regression OLS (Ordinary Least Square) approach which is processed using EViews version 10. The test results show that exports and foreign debt simultaneously have a significant effect on foreign exchange reserves in Indonesia. Meanwhile, exports have a positive and significant effect on foreign exchange reserves in Indonesia and foreign debt has a positive and significant effect on foreign exchange reserves in Indonesia. In addition, the value obtained from the adjusted R2 is 93.35%.Keywords: Foreign Reserves, Exports, Foreign Debt.

ANALISIS LITERASI DAN INKLUSI PERBANKAN SYARIAH PADA MAHASISWA/I STRATA-1 FAKULTAS EKONOMI DAN BISNIS UNIVERSITAS RIAU Kaswina Irya Rabiatul; Rosyetti Rosyetti; Widayatsari Any
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi Vol 7, No 2 (2020): (Juli - Desember 2020)
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi

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This research aims to know at Islamic banking literacy in Strata-1 students of the Faculty of Economics and Business, University of Riau, to know the inclusion of Islamic banking in Strata students of the Faculty of Economics and Business, University of Riau, and to know the relationship between banking literacy and inclusion syariah for Strata-1 students of the Faculty of Economics and Business, University of Riau. This research used Slovin techniques and simple random sampling, so 100 samples were selected. The analytical method used in this research is quantitativee descriptive method and Pearson correlation analysis with the help of SPSS statistical tools. 24. The results of this study indicate that Islamic banking literacy in Strata-1students of the Faculty of Economics and Business, University of Riau is in the sufficient literate category, namely 74,61%, the inclusion of Islamic banking in Strata-1 students of the Faculty of Economics and Business, University of Riau is at medium category by 54%, and based on the test based on what has been done it can be seen that there is a significant positive relationship between Islamic banking literacy and Islamic banking inclusion.Keywords: Islamic banking literacy, Islamic banking inclusion.

ANALISIS KOMPARASI EFISIENSI BANK UMUM KONVENSIONAL (BUK) DAN BANK UMUM SYARIAH (BUS) DI INDONESIA Margolang Irhas Muhammad; Widayatsari Any; Isbah Ufira
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi Vol 8, No 2 (2021): (Juli - Desember)
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi

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The purpose of this study was to analyze the difference in efficiency values between Conventional Commercial Banks and Islamic Commercial Banks. Banking efficiency is measured by calculating the ratio between output and input. Input variables include total assets and third party funds, and output variables include financing and interest income. This study uses a non-parametric approach to calculate the number of inputs used by banks to produce different outputs using the Data Envelopment Analysis (DEA) method. The technical efficiency score using DEA is in the form of a percentage, if the efficiency value reaches 100% then the bank has achieved efficiency. To test the hypothesis in this study using the Independent Sample Test analysis. The samples used are Conventional Commercial Banks and Islamic Commercial Banks in the BUKU I-III category for the period 2015 to 2020. From the results of DEA analysis using DEA-CRS data processing in BUKU I and BUKU III, it is found that there are differences in efficiency values where Conventional Commercial Banks are more efficient. While in BUKU II there is no difference in efficiency values. Furthermore, from the analysis of hypothesis testing using SPSS 24.0 in the BUKU I-III category, it was found that there was an insignificant difference between the efficiency values of Conventional Commercial Banks and Islamic Commercial Banks.Keywords : analysis, Exchange rate, interest rates, financial, and stock price

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