Agus Arifin
Economics Department, Faculty of Economics and Business, Jenderal Soedirman University

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Journal : Economic Development Analysis Journal

Measuring Moral Hazard Behaviour and its Determinants Within Credit Installment Agus Arifin; FX. Sugiyanto; Wahyu Widodo
Economics Development Analysis Journal Vol 7 No 4 (2018): Economics Development Analysis Journal
Publisher : Economics Development Department, Universitas Negeri Semarang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/edaj.v7i4.25976

Abstract

Non performing loans (NPL) is an indicator of debtor’s inability in credit repayment which indicates the presence of asymmetric information that might cause moral hazard. This research aims to measure the level of moral hazard and its determinants of micro and small enterprises debtors of Bank Jateng which have NPL. The data were collected from 58 debtors who were selected using simple random sampling. Rating scale method was used to measure the level of moral hazard while regression was used to analyze variables determining moral hazard. The research found that (1) the level of debtor’s moral hazard tends to be medium-to-high, (2) bank monitoring, debtor’s age, and business size are significant variables determining moral hazard. Hence, the research suggests that (1) the bank needs to apply some specific treatments to debtors with high moral hazard, (2) bank monitoring needs to be increased thus debtors are not comfortable to carry out moral hazard, (3) young debtors tend to be more daring to do moral hazard hence it needs special attention and treatment to them, (4) the debtors with larger scale business have the potential to do moral hazard therefore treatment needs to be differentiated with the smaller ones.
The Determinants and Valuation of Owabong Waterpark Tourist Destination Agus Arifin; Rakhmat Priyono
Economics Development Analysis Journal Vol 10 No 3 (2021): Economics Development Analysis Journal
Publisher : Economics Development Department, Universitas Negeri Semarang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/edaj.v10i3.46278

Abstract

This research analyzes the the economic valuation of Owabong development which focuses on two objectives, namely analyzing the determinants of tourist visits to Owabong using travel cost method and multiple regression technique, and determining willingness to pay of Owabong tourists using contingent valuation method. It is quantitative research where by using incidental sampling technique the primary data were collected from 96 respondents—tourists—and completed by secondary data from relevan institutions. The results are that (1) the variables that determine the number of visits to Owabong are travel costs, individual visitor income, and visitor perceptions of the facilities at Owabong; (2) willingness to pay (WTP) for Owabong visitors on weekdays can be a recommendation for entrance ticket increase of 20 percent, that is IDR30,000, while on weekends visitors don't want an increase in entrance ticket, which is still IDR35,000.