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All Journal Dinamika Akuntansi Keuangan dan Perbankan Jurnal Ilmiah Telaah Manajemen Proceeding Fakultas Ekonomi Kompak : Jurnal Ilmiah Komputerisasi Akuntansi Jurnal Mahasiswa Pasca Sarjana Students´ Journal of Accounting and Banking Students´ Journal of Economic and Management Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan Proceeding SENDI_U Journal of Economic, Bussines and Accounting (COSTING) SEIKO : Journal of Management & Business Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan JOURNAL OF SCIENCE AND SOCIAL RESEARCH Journal of Humanities and Social Studies Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Abdi Insani Jurnal Manajemen Pendidikan dan Ilmu Sosial (JMPIS) Jurnal Manajemen dan Usahawan Indonesia Journal Evidence Of Law Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Journal of Economics and Management Scienties Jurnal REP (Riset Ekonomi Pembangunan)
Gregorius Masdjojo
Universitas Stikubank Semarang
Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Social Sciences

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FAKTOR-FAKTOR YANG MEMPENGARUHI RENTABILITAS PADA BPR DI KABUPATEN BLORA Octa Artarina, 09.05.52.0010; Masdjojo, Gregorius N.
Students Journal of Accounting and Banking Vol 2, No 1 (2013): VOL. 2 NO. 1 EDISI PERTAMA 2013
Publisher : Students Journal of Accounting and Banking

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Abstract

This aim of this research is to examine the influance of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Operating Expanse to Operational Earnings (OEOE), Non Performing Loan (NPL) to the charge of Rentability wich is proxy by Return On Assets (ROA). This research uses purposive sampling method and three banks which is comply with the criteria. During research period show as data research was normally distributed. Besed on multicolineary test, heteroscedasticity test and autocorrelation test variable digressing of classic assumption has not founded, its indicate that the available data has fulfill the condition to use multi linier regression model. Based on testing performed all the classical assumptions show the result of regression equation has assumption of normality, noproblem multikolonieritas, heterocedastity and autocorrelation. The result of analysis with t-statistical test showed that partially LDR have an positive significant impact on ROA with a significance level less than 0,05 (0,004). BOPO have an negative significant impact on ROA with a significance level less than 0,05 (0,000). While CAR, and NPL doesn’t significantly with each level of significance 0,050 and 0,535 greater than 0,05.Simultaneously based on test result of the F-Statistic variable CAR, LDR, BOPO, and NPL proved significant effect on ROA banks at significance level of 0,000 less than 0,05. Adjusted R2 value 0f 0,51 indicates predictive ability of thefive variables on ROA is 51% and the remaining 49% influence by other factors beyond the research model. Keywords: Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Operating Expanse to Operational Earnings (OEOE), Non Performing Loan (NPL) and Return on Asets (ROA).
ANALISIS RASIO KEUANGAN DALAM MEMPREDIKSI PERTUMBUHAN LABA PADA BPR MILIK PEMDA KABUPATEN KOTA JATENG DIY PERIODE 2011-2012 Riswati, 10.05.52.0012; Masdjojo, Gregorius N.
Students Journal of Accounting and Banking Vol 3, No 1 (2014): vol. 3 no. 1 edisi april 2014
Publisher : Students Journal of Accounting and Banking

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This study aims to determine the financial ratio analysis to predict profit growt in local government owned Rural Bank district of Central Java DIY on the periods 2011-2012. Variabel independent in this study consists of the Capital Adequacy Ratio (CAR), Non Performing Loans (NPL), Net Interest Margin (NIM), Operational Efficiency (BOPO), Liquidity (LDR). Dependent variable in this research is earnings growth. The sample used in this study is 28 banks PD BPR Java and PD BPR DIY for 2 periods (2011-2012). Sample taken using purposive sampling. Methods of analysis used in this study is the method of multiple regression analysis. The results of this study indicate that the variable CAR had no effect on earning growth, BOPO effect on earning growth, NIM effect on earning growth, NPL has no effect on earnings growth, and LDR has no earning growth.Keywords: CAR, BOPO, LDR, NPL, NIM,  Profit growth 
PENGARUH CAPITAL ADEQUACY RATIO (CAR), PERFORMING LOAN (NPL), ANTAR BANK PASIVA (ABP), DAN DANA PIHAK KETIGA (DPK) TERHADAP PENYALURAN KREDIT PD BPR JAWA TENGAH Vhaffrixca Aiffani, 10.05.52.0096; Masdjojo, Gregorius N.
Students Journal of Accounting and Banking Vol 3, No 1 (2014): vol. 3 no. 1 edisi april 2014
Publisher : Students Journal of Accounting and Banking

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Bank is the financial institution possessing function as the financial intermediary. Bank accepts the money savings from the society and then redistributes them upon the credit. The credit distribution creates opportunity to complete investment, distribution, and also the consumption of good and service, considering that the entire activities are related to the money usage. This research uses PD BPR in Central Java in 2012 (by annual). The analysis technique used is doubled linier regression, whereas the hypothesis test uses t-test to examine the variable influence jointly upon the significance level of 5%. Based upon the research, there is a result that the Capital Adequacy Ratio (CAR) has a positive and not significant effect, the Non-Performing Loan (NPL) has no effect on bank lending. While Interbank Liabilities (ABP) and Third Party Funds (DPK) a significant positive effect on lending PD BPR. To increase lending should perform optimally fund raising, optimizing the usability of financial resources (capital) owned, and have a good credit management that NPLs are in a low level and within the limits required by Bank Indonesia.Keywords: the banking credit distribution, Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Interbank Liabilities (ABP), and Third Party Funds (DPK) 
KAJIAN FAKTOR-FAKTOR YANG MEMPENGARUHI PENYALURAN KREDIT PERBANKAN: STUDI KASUS PADA PD. BPR DI JAWA TENGAH PERIODE 2011-2012 Umirotul Fauziah, 10.05.52.0127; Masdjojo, Gregorius N.
Students Journal of Accounting and Banking Vol 3, No 2 (2014): Vol. 3 No. 2 Edisi Oktober 2014
Publisher : Students Journal of Accounting and Banking

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This research aims to analyze factors which affect the Credit that granted by bank, especially in Regional Rural Banks Company, Central Java. These factors include the Customer Saving, Capital Adequacy Ratio, Non Performing Loan and the Inter-bank Liabilities. In this study, researchers used purposive sampling and obtain samples of 24 banks. The data used in the form of quarterly financial statements. The method used in the estimation is panel data regression analysis. software used in the data processing is Eviews 7.0. The results of the panel data estimation using Fixed Effect method (FEM) indicates that the customer saving positive and significant effect on the Credit, Capital Adequacy Ratio  has significant negative effect on Credit, while the Non Performing Loan and Inter-bank liabilities Loans has not significant effect on the PD BPR in Central Java, 2011-2012. Keywords: Customer Saving, Capital Adequacy Ratio, Non-Performing Loans, Inter-Bank Liabilities and Credit
PENGARUH DANA PIHAK KETIGA, CAPITAL ADEQUACY RATIO, RETURN ON ASSETS , DAN NON PERFORMING LOAN TERHADAP PENYALURAN KREDIT PADA BPR KONVENSIONAL DI PROVINSI BALI TAHUN 2016 Zulfa Maulida Rifki Fitria, 14.05.52.0243; N. Masdjojo, Gregorius
Students Journal of Accounting and Banking Vol 7, No 1 (2018): Vol.7 No.1 2018 EDISI APRIL 2018
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This research aims to analyze the factors that influence the distribution of credit on BPR Conventional of Bali quarter-IV (December 2016). The dependent variable in this research is the distribution of credit, while the independent variables in this research are DPK (third-party funds), CAR (Capital Adequacy Ratio), ROA (Return On Assets), dan NPL (Non Performing Loan). This type of research is a cross section, the data used are secondary data from  OJK that is the publication of the report BPR Conventional. The sampling technique used was purposive sampling so that from 137 BPR Conventional obtainable 130 BPR Conventional. A method of data analysis in this research using multiple linear regression analysis using OLS and processed with SPSS program 21. The results of this research show that the DPK and ROA positive and significantly against the distribution of credit. While the CAR negative effect and significantly against the distribution of credit, and the NPL negative effects and insignificant against the distribution of credit.Keywords: the distribution of credit, third-party Funds (DPK), Capital Adequacy Ratio (CAR), Return On Assets (ROA), Non Performing Loan (NPL).
PENGARUH KREDIT BERMASALAH, PORSI KREDIT, TINGKAT EFISIENSI, DAN KEMAMPUAN MODALTERHADAP PROFIRABILITAS PADA BANK PERKREDITAN RAKYAT DI SUMATERA BARAT PERIODE 2013-2016 Istiqomah Azizah, 14.05.52.0043; N. Masdjojo, Gregorius
Students Journal of Accounting and Banking Vol 7, No 1 (2018): Vol.7 No.1 2018 EDISI APRIL 2018
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This study aims to analyze the effect of Non Performing Credit, Credit Portion, Efficient Level and Capital Capacity to Profitability. The population in this study are all BPRs in West Sumatra registered in the Financial Services Authority of 2013-2016.Sampling method using purposive sampling with criteria, BPR data used is secondary data taken from the OJK Publications Report, and publish the financial statementsconsistently. Due to the combined data type between cross-section and time series, the analysis method used is panel data regression analysis with Fixed Effect (FEM) and Random Effect (REM) estimation. Model selection using Hausman Test.The Hausman Test results recommend the research using Fixed Effect estimation output For hypothesis testing analysis. The result of the research shows that Problem Credit, Efficiency Level and Capital Ability have negative and significant effect to Profitability. While Credit Portion has positive and insignificant effect. The value of Adjusted R2 of 0.4017 indicates that 40.17% of the dependent variable Profitability can be explained by the independent variable of Problem Credit, Credit Portion, Efficiency Level and Capital Capability. The remaining 59.8% is explained by other factors not included in this regression model
DETERMINAN PROFITABILITAS PADA BPR DI JAWA TENGAH TAHUN 2012 – 2017 Siti Khotimah, 15.05.52.0363; Masdjojo, Gregorius N
Students' Journal of Accounting and Banking Vol 8 No 1 (2019): Vol. 8 No. 1 April 2019
Publisher : Students' Journal of Accounting and Banking

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This study aims to examine and analyze the influence of Credit Provided, Interbank Assets, Non Performing Loans, Savings, Deposits and Capital Adequacy Ratio on Profitability of Rural Banks 2012 - 2017. This study uses purposive sampling. Based on these criteria, a sample of 28 banks was obtained with an observation period of 6 years. Because this type of data is a combination of "Cross-section" and "Time-series" data, the data analysis uses panel data regression analysis. The estimation process uses the Fixed Effect Model (FEM) and Random Effect Model (REM) methods. Selecting the best model uses the "Haussman Test". The results of data analysis are based on the recommended Haussman Test to use the REM method. The results showed that the Credit Provided, Interbank Assets and Deposits did not affect Profitability, Non Performing Loans had a significant negative effect on Profitability, Savings and Capital Adequacy Ratio had a significant positive effect on Profitability.
PENGARUH KREDIT BERMASALAH, PORSI KREDIT, TINGKAT EFISIENSI, DAN KEMAMPUAN MODALTERHADAP PROFIRABILITAS PADA BANK PERKREDITAN RAKYAT DI SUMATERA BARAT PERIODE 2013-2016 Istiqomah Azizah, 14.05.52.0043; N. Masdjojo, Gregorius
Students' Journal of Accounting and Banking Vol 7 No 1 (2018): Vol.7 No.1 2018 EDISI APRIL 2018
Publisher : Students' Journal of Accounting and Banking

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Abstract

This study aims to analyze the effect of Non Performing Credit, Credit Portion, Efficient Level and Capital Capacity to Profitability. The population in this study are all BPRs in West Sumatra registered in the Financial Services Authority of 2013-2016.Sampling method using purposive sampling with criteria, BPR data used is secondary data taken from the OJK Publications Report, and publish the financial statementsconsistently. Due to the combined data type between cross-section and time series, the analysis method used is panel data regression analysis with Fixed Effect (FEM) and Random Effect (REM) estimation. Model selection using Hausman Test.The Hausman Test results recommend the research using Fixed Effect estimation output For hypothesis testing analysis. The result of the research shows that Problem Credit, Efficiency Level and Capital Ability have negative and significant effect to Profitability. While Credit Portion has positive and insignificant effect. The value of Adjusted R2 of 0.4017 indicates that 40.17% of the dependent variable Profitability can be explained by the independent variable of Problem Credit, Credit Portion, Efficiency Level and Capital Capability. The remaining 59.8% is explained by other factors not included in this regression model
PENGARUH DANA PIHAK KETIGA, CAPITAL ADEQUACY RATIO, RETURN ON ASSETS , DAN NON PERFORMING LOAN TERHADAP PENYALURAN KREDIT PADA BPR KONVENSIONAL DI PROVINSI BALI TAHUN 2016 Zulfa Maulida Rifki Fitria, 14.05.52.0243; N. Masdjojo, Gregorius
Students' Journal of Accounting and Banking Vol 7 No 1 (2018): Vol.7 No.1 2018 EDISI APRIL 2018
Publisher : Students' Journal of Accounting and Banking

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Abstract

This research aims to analyze the factors that influence the distribution of credit on BPR Conventional of Bali quarter-IV (December 2016). The dependent variable in this research is the distribution of credit, while the independent variables in this research are DPK (third-party funds), CAR (Capital Adequacy Ratio), ROA (Return On Assets), dan NPL (Non Performing Loan). This type of research is a cross section, the data used are secondary data from  OJK that is the publication of the report BPR Conventional. The sampling technique used was purposive sampling so that from 137 BPR Conventional obtainable 130 BPR Conventional. A method of data analysis in this research using multiple linear regression analysis using OLS and processed with SPSS program 21. The results of this research show that the DPK and ROA positive and significantly against the distribution of credit. While the CAR negative effect and significantly against the distribution of credit, and the NPL negative effects and insignificant against the distribution of credit.Keywords: the distribution of credit, third-party Funds (DPK), Capital Adequacy Ratio (CAR), Return On Assets (ROA), Non Performing Loan (NPL).
“PENGARUH LDR, NPM, CAR DAN UKURAN PERUSAHAAN PADA PROFITABILITAS BANK UMUM SWASTA NASIONAL DEVISA 2014-2017 Felix Ananta Santoso, 14.05.52.0072; Masdjojo, Gregorius N
Students' Journal of Accounting and Banking Vol 7 No 2 (2018): vol.7 no.2 oktober 2018
Publisher : Students' Journal of Accounting and Banking

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This study aims to examine and analyze the effect of Loan to Deposit Ratio, Net Profit Margin, Capital Adequancy Ratio and Company Size on the Profitability of National Private foreign exchange Banks 2014-2017. This study uses purposive sampling method in sample selection, with sample criteria being companies registered in Indonesia Stock Exchange during the 2014-2017 period. Based on these criteria, a sample of 15 banks was obtained with a period of four years of observation. Because the type of research data is a combination of "Cross-section" and "Time-series" data, the data analysis uses panel data regression analysis method. The estimation process uses the Fixed Effect Model (FEM) and Random Effect Model (REM) methods. Selection of the best model using the "Haussman Test". The results of the data analysis based on the Hausman Test are recommended to use the FEM method, the average of the Bank's Profitability, the bank with the highest average profitability during the period 2014 - 2017 is PT. Bank MNC International, while banks with the lowest average bank profitabilityPT. Bank Nusantara Parahyangan. The results showed that the Loan to Deposit Ratio had a significant positive effect on the Bank's Profitability, Net Profit Margin had a significant positive effect on Bank Profitability, Capital Adequacy Ratio had no significant positive effect on Bank Profitability, Company Size had a significant negative effect on Bank Profitability. Keyword : Bank Profitability (ROA), Loan to Deposit Ratio (LDR), Net Profit Margin (NPM), Capital Adequancy Ratio (CAR) and Company Size (SIZE)..
Co-Authors 09.05.52.0010 Octa Artarina 10.05.52.0012 Riswati 10.05.52.0096 Vhaffrixca Aiffani 10.05.52.0127 Umirotul Fauziah 12.05.51.0171 Mega Kusumawati, 12.05.51.0171 12.42.02.0038 Endah Purbarini 1352020059 Rifiana Darmasti, 1352020059 Agus Budi Santosa Akuarista, Arum Antono Adhi Ayudya Shita Devi Azizah, Istiqomah Azizah, Istiqomah Bambang Sudiyatno Darodjat , Tubagus Achmad Dina Fadhilah Elen Puspitasari Endah Purbarini Endah Purbarini, Endah Felix Ananta Santoso, 14.05.52.0072 Fika Nurul Hidayati Fitika Andraini Istiqomah Azizah, 14.05.52.0043 Istiqomah Azizah, 14.05.52.0043 Kartika, Fitria Yuliani Khibtiyah, 13.05.51.0192 Khibtiyah, 13.05.51.0192 Kusbiantoro, Shefira Afdeana Listiyorini Wahyu Widati Luqman Hakim Merly Rosetiyana, 14.05.52.0275 Muammar Fahmi Nabila Sabrina Asma Sinaga Sinaga Noviani, Anita Nurhayat , Ida Octa Artarina Putri, Adelia Rahmadyaningrum, Ulfa Ramadhani, Laila Mustika Ratnasari, Revita Evi Rokh Eddy Prabowo Rokh Eddy Prabowo Sadaruddin, Tubagus Muhammad Septiyana, Auliya Sinta Trisna Yanti Sinta Trisna Yanti, 15.05.52.0057 Siti Khotimah, 15.05.52.0363 Sri Isnowati Sri Isnowati Sugino Sugino Sukartono Sukartono Suleni, Imam Sunny Safryani Thamrin, Andrew Titiek Suwarti Tjua, Stefanie Monika Viana, Ceacilia Erieka Widyarini, Tiya Ayu Wijayanti, Rr. Murni Indah Yudhi Prasetyo, Yudhi Yuli Priastuti, Wahyu Yuli Priastuti, Wahyu Yunarsih Yunitasari, Wijdanti Zulfa Maulida Rifki Fitria, 14.05.52.0243 Zulfa Maulida Rifki Fitria, 14.05.52.0243