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Tingkat Suku Bunga, Brand Image Dan Kepercayaan Terhadap Penyaluran Kredit Di Pt. Bank Mandiri (Persero) Tbk Cabang Mandiraja Kabupaten Banjarnegara Siti Maesaroh; Asih Suciati
Medikonis Vol 19 No 1 (2019): Juli 2019
Publisher : Sekolah Tinggi Ilmu Ekonomi Tamansiswa Banjarnegara

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ABSTRACT Lending at PT. Bank Mandiri (Persero) Tbk Branch Mandiraja has fluctuations every year. Based on data, amount of lending in 2016 of 413 customers. In 2017 decreased to 386 customers. And in 2018 an increase of 462 customers. The occurrence of fluctuations is caused by several factors, including interest rates, brand image and trust. This study aims to analyze the influence of interest rates, brand image and trust in lending at PT. Bank Mandiri (Persero) Tbk Branch Mandiraja Banjarnegara regency. This study used a questionnaire with 82 respondents as total sample. The sampling method used is probability sampling. The analytical method used in this research was multiple linier regression analysis. The result showed that the interest rate variable had a negative and not significant effect on lending. The brand image variable had a positive and not significant effect on lending. The variable of trust had a positive and significant effect on lending. Based on the result of the R square test showed that interest rate, brand image and trust simultaneously affect the lending by 38,8%. Meanwhile, the remaining 61,2% show that the on lending variables is influente by other variable not includein this research.

PENGARUH EKONOMI KELUARGA, LINGKUNGAN TEMAN SEBAYA, DAN KESADARAN MASYARAKAT DALAM PENGAMBILAN KEPUTUSAN UNTUK MELANJUTKAN PENDIDIKAN KE PERGURUAN TINGGI (Studi pada SMK Swasta di Kecamatan Banjarnegara) Siti Maesaroh
Medikonis Vol 20 No 1 (2020): Januari 2020
Publisher : Sekolah Tinggi Ilmu Ekonomi Tamansiswa Banjarnegara

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ABSTRACT This research was conducted at some private Vocational Schools in Banjarnegara district. The purpose of the study was to examine the influence of family economic income, peer environment, and public awareness in decision making to continue their higher education at collage. At some reasons, students in private Vacational Schools in Banjarnegara basicly need to work for economic reasons, because some parts of region are still classified as families with low economic income. On the other reason students in the region should be more focused and eager to work to help lift their family’s economy, but in this case students also still make the decision to continue their education to collage. The data used in this research were primary data which was obtained through questionnaires. The sampling technique was the probability sampling technique. Data analysis in this research used multiple regression analysis with SPSS 24. In this research indicated that the family economic income affected decision making, peer environment did not affect the decision making, public awareness affects the decision making. Family economic income variables, peer environment, and community awareness simultaneously affected decision making as much as 52.4%, and the remaining 47.6% was influenced by other variables excluded in this study.

PENGARUH DAYA TARIK WISATA TERHADAP MINAT KUNJUNGAN WISATAWAN DI SERULINGMAS INTERACTIC ZOO PADA SAAT DIKELOLA PIHAK BUMD Siti Maesaroh; Isna Maulana Cahyaningrum
Medikonis Vol 11 No 1 (2020): Juli 2020
Publisher : Sekolah Tinggi Ilmu Ekonomi Tamansiswa Banjarnegara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52659/medikonis.v11i1.24

ABSTRACT This research aims to determine the influence of tourist attraction partially and simultaneous to the interest of visitors the facilities, services, tourist destinations and event in Serulingmas Interactive Zoo. The method in this sampling is used the Slovin formula, data analysis methods used is multiple linear regression analyses, using the help of SPSS programmes. The test results of the hypothesis, indicating that the facility variable (X1) has a significant positive effect on the interest of visitors. The service variables (X2) have significant positive impact on the interest of visitors. The tourist destination variables (X3) is not significant to the interest of visitors. Event variables (X4) is not significant to the interest of visitors. Based on the results of the research can be partially inferred that there is a positive and significant relationship between facilities and the interest of visitors, there is a positive and significant relationship between the service and the interest of visitors, there is a positive and insignificant relationship between tourist destinations and the interest of visitors, there is a positive and insignificant relationship between events and the interest of visitors. Simultaneously all variables are influential and significant to the interest of visitors. This determination test (R ²) shows that a variable of visitors interest can be influenced by variable facilities, services, tourist destinations and events while the rest are influenced by other variables that are not filed in this research

LINGKUNGAN KERJA, BUDAYA ORGANISASI DAN BEBAN KERJA TERHADAP KINERJA PEGAWAI SMP ISLAM TERPADU PERMATA HATI BANJARNEGARA Siti Maesaroh; Ulfa Marselina
Medikonis Vol 12 No 1 (2021): Januari 2021
Publisher : Sekolah Tinggi Ilmu Ekonomi Tamansiswa Banjarnegara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52659/medikonis.v12i1.32

ABSTRACT Every company needs an organization. Important factors that can affect the performance of these employees can be a work problem, work environment and work culture of the workplace. This study aims to determine whether the work environment, cultural organization, and workload are related to the performance of employees at SMP IT Permata Hati Banjarnegara. This study uses quantitative by collecting primary data obtained by requesting questionnaires to employees. The population data used is the population of individuals and teachers of SMP IT Permata Hati Banjarnegara numbering 40 people with the sample used is a saturated sample so that the total number of research samples is there. The results showed a positive and significant work environment on the performance of SMP IT Permata Hati Banjarnegara. Organizational Culture does not have a positive and significant effect on the performance of SMP IT Permata Hati Banjarnegara. Positive and significant workload on the performance of employees at SMP IT Permata Hati Banjarnegara. The work environment, organizational culture and workload have a significant influence on employee performance.

DETEKSI KECURANGAN LAPORAN KEUANGAN DENGAN DIAMOND FRAUD THEORY PADA PERUSAHAAN SEKTOR TRANSPORTASI YANG TERDAFTAR DI BURSA EFEK INDONESIA Walid Rudianti; Siti Maesaroh
Fokus Ekonomi : Jurnal Ilmiah Ekonomi Vol 17, No 2: Desember 2022
Publisher : STIE Pelita Nusantara Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34152/fe.17.2.313 - 329

The characteristics of the quality of financial reports are that financial statements must be reliable, the reliability of information in financial statements is influenced by several factors, namely honest presentation, substance over form, neutrality, sound judgment, completeness. However, there are still companies that commit fraud in financial statements. Fraud is an unlawful act that contains elements of intent, malicious intent, fraud, concealment and abuse of trust, with the aim of taking illicit profits which can be in the form of money, goods/wealth, and others. Fraud financial statements can be detected using the Diamond Fraud Theory. This study aims to determine the factors that influence financial statement fraud. The population of this study are transportation companies listed on the Indonesia Stock Exchange in 2015 – 2018. The number of companies listed is 27 companies, after sampling using purposive sampling where only companies that earn profits are included in the research sample. From the entire population, a sample of 8 companies was obtained, with observations for 4 years, data were obtained from 32 companies' financial statements. The results of this study state that partially pressure, opportunity and rationalization have no effect on financial statement fraud, while the capability variable has an influence on financial statement fraud. The results simultaneously state that pressure, opportunity, rationalization and capability affect financial statement fraud.

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