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FAKTOR-FAKTOR YANG MEMPENGARUHI RETURN ON ASSET (ROA) PADA KOPERASI MEGA, KECAMATAN KEDIRI, KABUPATEN TABANAN Ni Putu Sudarsani; I Made Hary Kusmawan; I Wayan Terimajaya
Jurnal Ilmiah Satyagraha Vol. 6 No. 1 (2023): Jurnal Ilmiah Satyagraha
Publisher : Universitas Mahendradatta

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Abstract

The purposes of this study are 1) To analyze the effect of Non PerformingLoans (NPL) on Return On Assets (ROA) in the Mega Cooperative, Kediri District,Tabanan Regency. 2) To analyze the effect of Capital Adequacy Ratio (CAR) on ReturnOn Assets (ROA) in the Mega Cooperative, Kediri District, Tabanan Regency. 3) Toanalyze the effect of Loan to Deposit Ratio (LDR) on Return On Assets (ROA) in the Mega Cooperative, Kediri District, Tabanan Regency. 4) To analyze the effect ofOperational Cost per Operational Income (BOPO) Return On Assets (ROA) on the MegaCooperative, Kediri District, Tabanan Regency. Multiple linear regression analysis was used to test the effect of NonPerforming Loans (NPL), Capital Adequency Ratio (CAR), Loan to Deposit Ratio(LDR), Operational Income Operating Costs (BOPO) on Return on Assets (ROA) inMultipurpose Savings and Loan Cooperatives . In this study, the defensive variables wereNPL (X1), CAR (X2), LDR (X3), BOPO (X4) while the independent variable was ROA(Y) The research results show 1) The value of the regression coefficient for NonPerforming Loans (NPL) is -0.007, the value of this regression coefficient is negativewhich indicates that there is no unidirectional relationship between the variable NonPerforming Loans (NPL) and Return On Assets (ROA). 2) The value of the regressioncoefficient for Capital Adequacy Ratio (CAR) is -0.013, the value of this regressioncoefficient is negative which indicates that there is no unidirectional relationship betweenthe Capital Adequacy Ratio (CAR) variable and Return On Assets (ROA). 3) The valueof the regression coefficient Loan to Deposit Ratio (LDR) is -0.005, the value of thisregression coefficient is negative which indicates there is no unidirectional relationshipbetween the Loan to Deposit Ratio (LDR) variable and Return On Assets (ROA). 4) Themagnitude of the regression coefficient value of Operational Income Operating Expenses(BOPO) is -0.017, the value of this regression coefficient is negative which indicatesthere is no unidirectional relationship between the variable Operating Income OperatingExpenses (BOPO) to Return On Assets (ROA).
Peran Faktor Sosiodemografi Terhadap Kemiskinan Di Provinsi Bali Pratiwi, I Gusti Ayu Made Agung Mas Andriani; Kusmawan, I Made Hary
Jurnal Ilmiah Sains Sosial, Kewirausahaan dan Kebudayaan Vol. 2 No. 1 (2024): JIS SIWIRABUDA Maret 2024
Publisher : Universitas Tabanan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58878/jissiwirabuda.v2i1.276

Abstract

The problem of poverty is still a problem faced by countries/regions in various parts of the world. Bali Province is one of them, especially since the Covid-19 pandemic hit and had a tremendous effect on the economy. As a province that relies on the tourism sector, the Covid-19 pandemic has hit the foundations of the economy so that statistical data shows that poverty in Bali Province tends to fluctuate and increase over the last three years. This research is focused on discussing the description of sociodemographic factors regarding poverty in Bali Province. The objectives of this research include knowing the total population, literacy rate, and per capita expenditure partially and simultaneously on poverty in Bali Province. The approach used in this research is a quantitative approach. This research uses secondary data obtained from BPS Bali Province. The data used in this research is time series data for each Regency/City in Bali Province from 2018-2022. This research uses data processing tools, namely Microsoft Excel and SPSS. The research results show that: 1) population size has a partial positive and significant effect on poverty in Bali Province; 2) literacy rates have a negative and partially insignificant effect on poverty in Bali Province; 3) per capita expenditure has a partially negative and significant effect on poverty in Bali Province; and 4) population, literacy rate, and per capita expenditure simultaneously have a positive and significant effect on poverty in Bali Province.
Peran Literasi Keuangan Bagi Ibu Rumah Tangga Dalam Meningkatkan Kesejahteraan Keluarga Pratiwi, I Gusti Ayu Made Agung Mas Andriani; Suarbawa, I Wayan; Kusmawan, I Made Hary
Jurnal Ilmiah Sains Sosial, Kewirausahaan dan Kebudayaan Vol. 3 No. 1 (2025): JIS SIWIRABUDA Maret 2025
Publisher : Universitas Tabanan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58878/jissiwirabuda.v3i1.378

Abstract

Abstract tells the basic content of writing clearly and briefly, so it can be used as guidance for the readers in determining the level of relevance towards their need in a short time. Abstract should be informative and give clear statement about the problem, approach or suggested solution, and the result that shows the solution of the problem. The abstract should 90 until 200 words longer. Abstract should be written in past tense and use nomenclature standard. It is suggested to use keywords that shows the knowledge field related to the research.