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FAKTOR-FAKTOR YANG MEMPENGARUHI NERACA PEMBAYARAN INDONESIA Amanda C. Anisa; Yusbar Yusuf; Anthony Mayes
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi Vol 4, No 1 (2017): Wisuda Februari
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi

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This study aims to determine the factors that affect Indonesia's balance of payments in 1996-2015. The study consists of three independent variables (exchange rates, gross domestic product, and net exports) and one dependent variable (balance of payments). Indonesia's balance of payments (BOP) is the listing on the economic transactions that occur between the population and not the population of Indonesia in a certain period. The data used are annual data from the years 1996-2015. The analytical method used is multiple linear regression using SPSS version 20.0. The research results obtained are exchange rates, gross domestic product, and net exports together (simultaneously) the effect on the balance of payments with a significance level of 5%. Partially exchange rates had a negative effect on the balance of payments, while the variable gross domestic product and net exports partially positive effect on the balance of payments. Variation factors that affect the balance of payments is explained by exchange rates, gross domestic product, and simultaneously affect net exports amounted to 52.3% (R2 = 0.523), while the remaining 47.7% is explained by other variables not included in this study. Between exchange rates, gross domestic product, and net exports, those three independent variables have significant effect on the balance of payments.Keywords : Balance of Payments, Exchange Rate, Gross Domestic Product, Net Exports
FAKTOR-FAKTOR YANG MEMPENGARUHI PENYALURAN PEMBIAYAAN BERBASIS BAGI HASIL PADA BANK SYARIAH MANDIRI INDONESIA PERIODE 2003-2015 Novia Nurbiaty; Tri Sukirno Putro; Anthony Mayes
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi Vol 4, No 1 (2017): Wisuda Februari
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi

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The research aims to find out how to the influence of Non Performing Finance, equivalent rate of profit sharing and third parties fund towards profit and loss sharing financing at Bank Syariah Mandiri Indonesia. This research uses secondary data obtained from the financial statement published, that is official website Bank Syariah Mandiri Indonesia registered at Bank Indonesia from 2003 to 2015 time span. In this research that became the dependent variable is the profit and loss sharing financing. While being independent variables is the Non Performing Finance, equivalent rate of profit sharing and third parties fund. The analysis used in this research is the multiple linear regression analysis. Tests conducted on the hypothesis and the reliability of the data (assuming classical) using significant level of 5%. The results indicate the Non Performing Finance negative and no significant affect on profit and loss sharing financing as evidenced by the negative t value of -0,487 and a significant value 0,638 > 0,05. Equivalent rate of profit sharing is positive and no significant affect on profit and loss sharing financing as evidenced by the positive t value of 1,536 and significant value 0,159 > 0,05. Third parties fund is positive and significant affect on profit and loss sharing financing as evidenced by the positive t value of 9,806 and significant value 0,000 < 0,05.Keywords : Profit and Loss Sharing Financing, NPF, Equivalent Rate of Profit Sharing and Third Parties Fund
FAKTOR-FAKTOR YANG MEMPENGARUHI SUKU BUNGA DEPOSITOBERJANGKA DUABELAS BULAN PADA BANK PEMERINTAH INDONESIA PERIODE 2005-2015FAKTOR-FAKTOR YANG MEMPENGARUHI SUKU BUNGA DEPOSITOBERJANGKA DUABELAS BULAN PADA BANK PEMERINTAH INDONESIA PERIODE 2005-2015 Siti Nurjanah; Tri Sukirno Putro; Anthony Mayes
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi Vol 4, No 1 (2017): Wisuda Februari
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi

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This research aims to find out how to the influence of interst rates of BI Rate, inflation and loan to deposit ratio (LDR) towards twelve month term deposit interest rates at Indonesia’s goverment bank. This research uses secondary data obtained from the data Banking Statistics Indonesia and the Indonesian Financial Statistics published in the statistical data of Bank Indonesia from 2005 to 2015 time span. The analytical method used is multiple regression analysis. Testsconducted on the hypothesis and the reliability of the data (assuming classical) using significance level of 5%. These results indicate the BI Rate positive and significant impact on interest rates of time deposits as evidenced by the positive tvalue of 4.364 and a significant value 0.003 <0.05. Inflation is negative and significant effect on the interest rates on time deposits as evidenced by the negative t value of -2.486 and significant value of 0.042 <0.05. LDR and no significant negative effect on interest rates on time deposits as evidenced by the negative t value at -0945 and significant value of 0.376> 0.05.Keywords: Interest BI Rate, Inflation, LDR (Loan to Deposit Ratio) and Deposit Interest Rates
Analisis Permintaan Kredit Pensiun Pada Bank BTPN Cabang Pekanbaru Ardiansyah Siregar; Anthony Mayes; Rosyetti &#039;
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi Vol 1, No 2 (2014): wisuda oktober 2014
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi

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This study aims to analyze the Pension Credit Demand in BTPN held in Pekanbaru of Riau Province. The population in this study is the Bank Pekanbaru City Bank customers who make pension credit loan people amounted to 1,688 customers, samples are taken using Slovin formula with the results of the sample amounted to 95 customers. Data analysis techniques in this study by using Quantitative Descriptive Method models performed in this study is the Multiple Linear Regression there are some tests performed in this study: Classical Test Assumptions, Multicollinearity Test, Test heterocedastity, autocorrelation test, Normality Test, Test of Significance, Test t Test, F-acquired research F.Hasil count (58,059)> F table (3,095) and sugnifikansi (0,000) <0.05 means that the income and interest rates positive effect on the demand for pension credit BTPN Pekanbaru. While known t count of -1.718 with a significance of 0.089. Thus t (-1.718) <t table (1.986) and significant (0.089)> 0.05 means that the interest rate does not affect the demand for credit. Based on observations made observations most consumers just do not know how much the interest rate offered by the Bank and the Bank Pekanbaru they do not want to know the amount of mortgage interest rates being offered, this is because not all serve Bank of pension credit, which has only BTPN services Retirement credit.Keywords: Demand for Loans, Income, Interest Rates, Pension Credit
ANALISIS PEMILIHAN SUMBER MODAL PEDAGANG DI PASAR SIMPANG BARU PEKANBARU Sandres Siahaan; Anthony Mayes; Any Widayatsari
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi Vol 1, No 1 (2018): Wisuda Februari 2018
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi

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This research aims to find out the source of merchants capital in Simpang Baru Market Pekanbaru, the factors that influence the selection of the merchants capital source, and whether the Bank Financial Institution has done its job and function properly to channel credit to small business actors.The type of data used is primary data obtained by distributing questionnaires and having interviews to the merchants and data analysis method used is descriptive method, data obtained from the questionnaire is processed by percentage form and put in a table that has been provided.The result of the research showed that the majority of the merchants prefer to use their own sources of capital due to the stigma attached to high bank lending rates and a long bureaucratic path.Keywords : Trader, source capital, Bank lending
Pengaruh Produk Domestik Bruto Riil, Nilai Tukar dan Tingkat Suku Bunga Riil Terhadap Inflasi di Indonesia Periode 1994-2013 Sarwedi Alamsyah; Anthony Mayes; Rosyetti &#039;
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi Vol 2, No 1 (2015): Wisuda Februari 2015
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi

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One of the problems in almost all countries in the world is the difficulty of maintaining the stability of the economy. Various policies, both fiscal policy and monetary policy carefully planned and then carried out to obtain the various targets of economic growth is expected to bring prosperity to the community. One of the efforts the fulfillment of the economic growth target is done by controlling the rate of inflation, both at regional and at national level. The inflation rate in the right figure is able to bring the economy towards positive growth. The purpose of this study was to determine the effect of the Gross Domestic Product (GDP) real exchange rate and real interest rates on inflation in this Indonesia.Penelitian using secondary data types. Analysis method used is the method of quantitative analysis using multiple regression analysis SPSS version 18.0. Results show the results of research conducted simultaneous real gross domestic product, the exchange rate, and real interest rates have a significant effect terhadapinflasi inflation in Indonesia for the period 1994-2013 with F 0.000 and 125.606 with sig R2sebesar value 0.952 which means 95.2% Inflation in Indonesia is influenced by real gross domestic product, the exchange rate, and the rate of the real man, while the remaining 4.8% is influenced by other factors not addressed in this study.Keywords: Gross Domestic Product (GDP) of the Rill, Exchange Rate, Real Interest Rate, Inflation.
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PENGGUNAAN BRIZZI BANK RAKYAT INDONESIA DI KOTA PEKANBARU Yulia Margaretha Manullang; Anthony Mayes; Yusni Maulida
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi Vol 1, No 1 (2018): Wisuda Februari 2018
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi

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This research was in order to know the factors that affect Brizzi's demand and to know which factors are the most dominant in influencing Brizzi's demand. Conducted at PT. Bank BRI Pusat Jalan Jendral Sudirman Pekanbaru City Riau Province. Where the population is customers in PT. Bank BRI Pusat Pekanbaru which amounted to 104 people. The sample used in this research is 104 people taken with census method and data processing using multiple linear regression method with SPSS program. Based on the results of the test if the data by using multiple linear regression can be taken several conclusions, namely: Based on the results of a quantitative descriptive test note that one of the factors that influence the use of Brizzi is income. Revenue is positively related to the use of Brizzi. So it can be concluded that the higher the income a person will be the more often he uses Brizzi, Benefits Brizzi positively related to the use of brizzi. So it can be concluded that the more benefits of the brizzi itself, the more people will use brizzi, the ease is positively related to the use of brizzi. So it can be concluded that the easier the brizzi is used it will be more and more people use the brizzi, Revenue is the most dominant factor affecting the use of brizzi, Publishing brizzi relationship with monetary policy is that if more people use brizzi then the money supply will be less reducing inflation then the economy will increase.Keyword : Earnings, Benefits, Convenience, And Use of Brizzi
ANALISIS HUBUNGAN KAUSALITAS JUMLAH UANG BEREDAR DAN DEFISIT ANGGARAN TERHADAP INFLASI DI INDONESIA PADA TAHUN 2002-2017 Ayu Melia Astuti; Anthony Mayes; Any Widayatsari
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi Vol 1, No 1 (2018): Wisuda Februari 2018
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi

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This study aims to determine whether there is a significant reciprocal relationship between the money supply and the budget deficit against inflation in Indonesia in 2002-2017. This study uses time series data periodically during the period 2002 to 2017. In this study using the method of quantitative analysis using econometric model, VAR (Vector Auto Regression). This research uses Eviews 7.0 analysis tool. Unit roots test results show that the money supply, budget deficit and non-stasionary rate at the level, but money supply data, budget deficit and stationary inflation at first difference level. The cointegration test results show that the relationship between the money supply, budget deficit and inflation in Indonesia has no long-run equilibrium relationship. Granger Causality Test results show that there is a causality relationship between the money supply to inflation, but there is no causality relationship between budget deficit and money supply as well as inflation and budget deficit, Implementation Response Function Based on the results, it is found that the money supply has a negative effect against inflation. While the result of variance decomposition shows that the role of money supply, budget deficit and significant inflation.Keywords : money supply, defisit budget, inflation
ANALISIS PRODUK DOMESTIK BRUTO (PDB), SUKU BUNGA BI (BI RATE), DAN INFLASI TERHADAP INVESTASI ASING LANGSUNG (PMA) DI INDONESIA TAHUN 2006-2015 Muhammad Akmal Fadilah; Tri Sukirno Putro; Anthony Mayes
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi Vol 4, No 1 (2017): Wisuda Februari
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi

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This study aims to determine the effect of the gross domestic product, the BI rate, and inflation on Foreign Direct Investment in Indonesia 2006-2015. The study consists of three independent variables (gross domestic product, the BI rate, and inflation) and one dependent variable (foreign direct investment). Foreign direct investment is the international flow of capital from a country where the company is establishing or expanding a company in another country. The data used are annual data from 2006-2015. The analytical method used is multiple linear regression using SPSS version 20.0. The research results obtained are GDP, BI rate, and inflation together (simultaneously) the effect on foreign direct investment with significance level of 5%. Partially BI rate has a negative effect on foreign direct investment, while the variable GDP and inflation partially positive effect on foreign direct investment. Variation factors that influence foreign direct investment is explained by GDP, the BI rate, and inflation together influential amounted to 98.0% (R2 = 0.98), while the remaining 2.0% is explained by other variables not included in this research. Between the three variables (GDP, BI rate, and inflation), the variable GDP and inflation have a significant effect on foreign direct investment.Keywords : Foreign Direct Investment, GDP, BI rate, Inflation
PENGARUH SUKU BUNGA KREDIT DAN PRODUK DOMESTIK REGIONAL BRUTO TERHADAP PENYALURAN KREDIT PERBANKAN BANK UMUM DI RIAU Suci Tesa Fitria; Anthony Mayes; Darmayuda &#039;
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi Vol 2, No 2 (2015): Wisuda Oktober 2015
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi

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Riau is a province that is actively regional development. The development aims to create a society that is advanced and independent Riau. The conditions need support from the banks, particularly in terms of lending. The purpose of this study was to determine lending rates and gross domestic regional product of the loan portfolio of commercial banks in Riau. The results showed that mortgage interest rates and gross domestic regional product significantly influence the commercial bank lending in Riau. Partially, variable lending rates both working capital loans, investment loans, and consumer loans, has a negative and not significant effect on total loans in Riau. While gross domestic regional product variable has a positive and significant impact on working capital loans, investment credit and consumer loans,. Simultaneously, the variable mortgage interest rates and gross domestic regional product has a significant effect on bank lending of commercial banks in Riau.Keywords: Lending Rates, Gross Domestic Regional Product, Commercial Banks, Riau.