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All Journal JURNAL BISNIS STRATEGI Jurnal Studi Manajemen Organisasi Diponegoro Journal of Management Jurnal Keuangan dan Perbankan Journal of Economics, Business, & Accountancy Ventura Gadjah Mada International Journal of Business BISNIS: Jurnal Bisnis dan Manajemen Islam Jurnal Manajemen Teori dan Terapan Syntax Literate: Jurnal Ilmiah Indonesia AFRE Accounting Financial Review JOURNAL OF APPLIED ACCOUNTING AND TAXATION DIJB (Diponegoro International Journal of Business) SEIKO : Journal of Management & Business Kumawula: Jurnal Pengabdian Kepada Masyarakat Jurnal Proaksi International Journal of Economics Development Research (IJEDR) Jurnal Pasar Modal dan Bisnis Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences AL-ARBAH: Journal of Islamic Finance and Banking JURNAL ILMIAH GLOBAL EDUCATION Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) e-Jurnal Apresiasi Ekonomi Research Horizon IIJSE Economic and Business Horizon
Irene Rini Demi Pangestuti
Department Of Management Faculty Of Economics And Business Universitas Diponegoro Jl. Prof. Soedarto SH, Semarang, 50275
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Social Sciences Other

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ANALISIS PENGARUH KEPEMILIKAN BANK, KONSENTRASI KEPEMILIKAN, BOPO, LDR, BANK SIZE, DAN CAR TERHADAP NON PERFORMING LOANS (Studi Empiris pada Bank Umum Konvensional di Bursa Efek Indonesia Periode 2009-2013) Putri Gantika, Fauziah; Demi Pangestuti, Irene Rini
Diponegoro Journal of Management Volume 4, Nomor 2, Tahun 2015
Publisher : Faculty of Economics and Business Diponegoro University

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Abstract

This Research aims to analyze the influence of bank ownership, ownership concentration, operating cost to operating income ratio (BOPO), Loan to Deposit Ratio (LDR), bank size, and Capital Adequacy Ratio (CAR) to credit risk that measured by NPL. Case Study on conventional commercial banks in Indonesia Stock Exchange in period 2009-2013.Research population used is conventional commercial banks in Indonesia in period 2009-2013. Taken samples of the all-purpose 24 banks by using purposive sampling method. The data used in this study were obtained from the Banking Annual Report 2009-2013. Analysis technique used is Ordinary Least Square Regression (OLS), statistical t-test and classic assumption test that includes a test of normality test, multicollinearity test, heteroskedastisitas test, autocorrelation test.The result  shows that bank ownership has significant positive association with NPL, concentration ownership has insignificant negative association with NPL, and Loan to Deposit Ratio has insignificant positive association with NPL. Operating cost to operating income ratio, bank size, and Capital Adequacy Ratio have significant negative association with NPL. The results of regression estimation show the ability of model prediction is 21,6% while the remaining 78,4% influenced by other factors outside the model.
ANALISIS PENGARUH PERTUMBUHAN GDP, TINGKAT SUKU BUNGA, PERTUMBUHAN EKSPOR, PERTUMBUHAN KREDIT DAN BOPO TERHADAP NON PERFORMING LOAN PADA BANK UMUM DI INDONESIA TAHUN 2010 - 2014 Adicondro, Yesica Yulian; Demi Pangestuti, Irene Rini
Diponegoro Journal of Management Volume 4, Nomor 3, Tahun 2015
Publisher : Faculty of Economics and Business Diponegoro University

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Abstract

This Research aims to analyze the influence of GDP growth, interest rate risk, export growth, credit growth, and operating cost to operating income ratio (BOPO) to credit risk that measured by NPL. Studies on commercial banks in Indonesia during the period 2010 – 2014. The data used in this study are monthly data from January 2010 to December 2014 were taken from various sources. This study uses multiple linear regression analysis. The result shows that the growth of GDP has a negative and significant association with NPL, the interest rate and the ratio of Operating cost to operating income  positive and significant association with NPL, export growth and no significant negative effect on the NPL. Credit growth and no significant positive effect on the NPL. The results of regression estimation show the ability of model prediction is 40,8% while the remaining 59,2% influenced by other factors outside the model.
PENGARUH STRUKTUR PASAR, KOMPETISI, DIVERSIFIKASI, KAPITALISASI, RISIKO KREDIT, DAN SIZE TERHADAP PROFITABILITAS BANK (Studi pada Bank Umum Konvensional di Indonesia Periode 2009-2013) Wahyu Widiasari, Febrina; Demi Pangestuti, Irene Rini
Diponegoro Journal of Management Volume 4, Nomor 2, Tahun 2015
Publisher : Faculty of Economics and Business Diponegoro University

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Abstract

This study is conducted to examine the determinants of conventional commercial banks profitability in Indonesia for the period 2009 to 2013. The purpose of this study was to analyze the influence of market share, competition, diversification, capitalization (equity to total asset ratio), credit risk (non performing loans), and size toward Return on Asset (ROA) as a measure of bank profitability. The analysis technique used is Ordinary Least Square (OLS) method of multiple linear regression. The results are (1) market share on deposits has positive significant effect on ROA. (2) lerner index has positive significant effect ROA (3) HHI diversification has positive significant effect on ROA. (4) capitalization has positive significant effect on ROA.(5) credit risk has negative significant effect on ROA. (6) size has positive significant effect on ROA.
PENGARUH LIQUIDITY, FIRM SIZE, GROWTH OPPORTUNITY, FINANCIAL DISTRESS, LEVERAGE DAN MANAGERIAL OWNERSHIP TERHADAP AKTIVITAS HEDGING DENGAN INSTRUMEN DERIVATIF (Studi Kasus Pada Perusahaan Nonfinansial Yang Terdaftar Di BEI Periode 2010-2014) Sianturi, Crissy Norris; Demi Pangestuti, Irene Rini
Diponegoro Journal of Management Volume 4, Nomor 4, Tahun 2015
Publisher : Faculty of Economics and Business Diponegoro University

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Abstract

Hedging by using derivative instruments is one of the common risk management used by company to protect their assets from risk of exchange rate and interest rates. This study aimed to determine the effect of liquidity, firm size, the  growth opportunity, financial distress, leverage and managerial ownership on hedging activity using derivative instruments at non-financial companies listed on the Indonesia Stock Exchange in 2010-2014.The population of the study is a data non-financial companies listed on Indonesia Stock Exchange in 2010-2014 The sample in this study amounted to 93 companies by using purposive sampling. This study using logistic regression analysis techniques, to determine the variables that affect of the use of derivative instruments as hedging activity.The results of this study showed that there are three variables that affect significantly hedging activity using derivative instruments. Variable firm size and leverage have positive affect on hedging activity using derivative instruments, and variable financial distress have negative affect on hedging activity using derivative instruments. Whereas for the other variables did not influence the hedging activity using derivative instruments.
PENGARUH DPK, ROA, CAR, NPL, DAN JUMLAH SBI TERHADAP PENYALURAN KREDIT PERBANKAN (Studi Pada Bank Umum Go Public di Indonesia Periode 2008-2011) Oktaviani, Oktaviani; Rini Demi Pangestuti, Irene
Diponegoro Journal of Management Volume 1, Nomor 4, Tahun 2012
Publisher : Faculty of Economics and Business Diponegoro University

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Abstract

Credit is one way to develop the economic of our country. Commercial bank can get more revenue from interest income from lending. This research aims to analyze influence of variables Third Party of Fund (DPK), Return On Assets (ROA), Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), and Certificate of Bank Indonesia (SBI) toward of amount banking credit. The number of samples in this study are 22 Commercial Bank uses purposive sampling method. It is a method to found sample with various measurement. All the sample are companies that listed in Indonesia Stock Exchange for period 2008 to 2011 which apply polled data method and collects data are about 88 data observation. Data analysis that used in this study are multiple regression liniear and assumption classic tests which consist of normality test, multicolieniarity test, autocorrelation test and heterocedasticity test. Hypotesis testing uses F-test and t- test. Based on the result of analysis shows independent variables (Third Party of Fund (DPK), Return On Assets (ROA), Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), and Certificate of Bank Indonesia (SBI)) simultanieously effect Credit of Banking. Whereas partially, Third Party of Fund (DPK) and Capital Adequacy Ratio (CAR) have positive and significant impact on Credit of Banking. In Other Hand, Certificate of Bank Indonesia  (SBI) has negative and significant impact on Credit of Banking. At Last, Return On Assets (ROA) and Non Performing Loan (NPL) have positive and insignificant influence to Credit of Banking. The value of adjusted R square is 0,978 and it means independent variables can explain the dependent variable as much as 97,8%, while the remaining amount of 2,2% is influenced by other factors which not included in the model.
ANALISIS PENGARUH CAR, DANA PIHAK KETIGA (DPK), NIM, dan LDR TERHADAP PROFITABILITAS PERBANKAN DENGAN LDR SEBAGAI VARIABEL INTERVENING Pardede, Desi Natalia; Demi Pangestuti, Irene Rini
Diponegoro Journal of Management Volume 5, Nomor 3, Tahun 2016
Publisher : Faculty of Economics and Business Diponegoro University

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Abstract

The aim of this research is to identify and analyze the determinants of return on Assets (ROA) in General Banking of Indonesia in the period of 2010 – 2014. ROA is dependent variable in this research, as profitability indicator. There are three independent variables that used, which are Capital Adequacy Ratio (CAR), Third Party Funds (TPF), Net Interest Margin (one year before) (NIMt-1), and an intervening variable which is Loan to Deposit Ratio (LDR). Sampling technique used is purposive sampling with criteria as General Banking in Indonesia who provide annual reports and traded on Indonesia Stock Exchange (IDX) during period 2010 through 2014 and forwarded to Bank Indonesia. Obtained by amount sampel as much 28 companies from 42 banking company in Indonesia 2010-2014  period. Analyzed with Path Analysis technique. The data is analyzed using SPSS 20 program.The result of this study proving that TPF and NIMt_1 have positive relationship and statistically significant toward LDR. CAR has negative relationship and insignificant toward LDR. CAR and LDR have positive and significant relationship toward ROA. TPF  has positive relationship and insignificant toward ROA. NIMt_1 has negative relationship and significant toward ROA. Then, TPF and NIMt_1 has significant relationship toward ROA mediated by LDR as intervening variable.
ANALISIS PENGARUH CAR, DANA PIHAK KETIGA (DPK), NPL, dan LDR TERHADAP PROFITABILITAS PERBANKAN DENGAN LDR SEBAGAI VARIABEL INTERVENING Wityasari, Meryta; Demi Pangestuti, Irene Rini
Diponegoro Journal of Management Volume 3, Nomor 4, Tahun 2014
Publisher : Faculty of Economics and Business Diponegoro University

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Abstract

The aim of this research is to identify and analyze the determinants of return on Assets (ROA) in General Banking of Indonesia in the period of 2009 – 2013. ROA is dependent variable in this research, as profitability indicator. There are three independent variables that used, which are Capital Adequacy Ratio (CAR), Third Party Funds (TPF), Non Performing Loan (one year before) (NPLt-1), and an intervening variable which is Loan to Deposit Ratio (LDR). Sampling technique used is purposive sampling with criteria as General Banking in Indonesia who provide annual reports and traded on Indonesia Stock Exchange (IDX) during period 2009 through 2013 and forwarded to Bank Indonesia. Obtained by amount sampel as much 22 companies from 36 banking company in Indonesia 2009-2013  period. Analyzed with Path Analysis technique. The data is analyzed using AMOS 21 program.The result of this study proving that NPLt-1 and LDR have positive relationship and statistically significant. The CAR and TPF have positive and significant relationship toward ROA. NPLt-1 has negative relationship and significant toward ROA. Then, there isn’t variable which has significant relationship toward ROA mediated by LDR as intervening variable.
ANALISIS RASIO KINERJA KEUANGAN TERHADAP FINANCIAL SUSTAINABILITY BANK PERKREDITAN RAKYAT (BPR) DI JAWA TENGAH (Periode 2010-2014) Rianasari, Septi; Demi Pangestuti, Irene Rini
Diponegoro Journal of Management Volume 5, Nomor 2, Tahun 2016
Publisher : Faculty of Economics and Business Diponegoro University

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Abstract

This Research aims to analyze the influence of Return on Assets Previous Year (𝑅𝑂𝐴𝑡−1), Non  Performing Loan (NPL),  Cash  Ratio,  Loan to Deposit Ratio  (LDR),  Bank  Size,  Deposit Mobilization and Bank Age to financial sustainability as measured by the Financial Sustainability Ratio (FSR). Case Study on Rural Banks (BPR) in Central Java during the period 2010-2014.The population of the research is rural banks (BPR) in Central Java during the period 2010-2014. 45 samples were taken by using purposive sampling method. The data used were obtained from the annual report of Rural Banks during 2010-2014. The analysis technique used is multiple linear regression analysis, statistical F-test, ststistical t-test, and classical assumption test that includes normality test, multicollinearity test, heteroscedasticity test and autocorrelation test.The results shows that the Return on Assets Previous Year (𝑅𝑂𝐴𝑡−1) has  positive and significant  effect  to  Financial  Sustainability,  Non  Performing  Loan  (NPL)  has  negative  and significant effect to Financial Sustainability, Cash Ratio has negative and significant effect to Financial Sustainability, Loan to Deposit Ratio (LDR) has positive and not significant effect toFinancial Sustainability, the Bank Size has positive and significant effect to Financial Sustainability, the Deposit Mobilization and Bank Age has negative and not significant to Financial Sustainability. The results of regression estimation shows the predictive ability of the model is 42.8%, while the remaining 57.2% is influenced by other factors outside the model.
PENGARUH PRODUK DOMESTIK BRUTO, JUMLAH UANG BEREDAR, INFLASI, CURRENT ACCOUNT, FINANCIAL ACCOUNT, DAN HARGA MINYAK DUNIA TERHADAP KURS RUPIAH PER DOLAR AMERIKA SERIKAT TAHUN 2002-2012 Hakim, Nurul; Demi Pangestuti, Irene Rini
Diponegoro Journal of Management Volume 2, Nomor 2, Tahun 2013
Publisher : Faculty of Economics and Business Diponegoro University

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Abstract

Exchange rate is an important issue to provide foreign Investment and foreign funding. Butsince free-floating axchange rate system has been applied in Indonesia, the movement of Rupiah against the US Dollar is hard to predicted. This condition brings many argumentations about the reasons behind the exchange rate instability whether it is caused by economic factors or by non- economic factors. By recognizing the causes, it will be easier for the fund seeker and investor of Indonesia to formulate the solution.This study aimed to analyze the influence of GDP, Money Supply, inflation, current account, financial account, and world oil prices to the exchange rate of Rupiah per U.S. Dollar. This study was made as there are differences between the results of research with each other and so can be used to predict fluctuations in the exchange rate of Rupiah per U.S. dollar.This study uses multiple linear regression statistic to test the hypothesis. The variable used in this study is Rupiah per U.S. Dollar, GDP, Money Supply, inflation, current account, financialaccount, and world oil prices. Type of data used in the form of time series data that restricted tothe data of each variable quarterly starting from the period Q1 2002 to Q4 2012 period.The results showed that the Money Supply and financial account has significant positive effect on Rupiah per U.S. Dollar exchange rate. While world oil prices has significant negativeeffect on the exchange rate of Rupiah per U.S. Dollar. Meanwhile, GDP, inflation, and current account does not affect the exchange rate of Rupiah per U.S. Dollar. In addition it was found thatthe value of adjusted R square is 64,9%. This means that 64.9% of the movement of Rupiah perU.S. Dollar exchange rate can be predicted from the six variables, while at 35,1% is explained by other variables outside the model.
PENGARUH RASIO PROFITABILITAS, LEVERAGE, SIZE, DAN SALES GROWTH TERHADAP RETURN SAHAM YANG DIMEDIASI OLEH DIVIDEN (Studi pada Perusahaan Manufaktur yang Terdaftar di BEI Periode Tahun 2012-2014) Pramana, Michael Sandra; Demi Pangestuti, Irene Rini
Diponegoro Journal of Management Volume 5, Nomor 3, Tahun 2016
Publisher : Faculty of Economics and Business Diponegoro University

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Abstract

This study aims to analyze the effect of Return On Equity (ROE), Debt Equity Ratio (DER), size, and sales growth toward stock return with using Dividend Payout Ratio (DPR) as mediator variable, case study on manufacture company in Indonesian Stock Exchange during period 2012-2014. Reseacrh population used manufacture company in Indonesian Stock Exchange during period 2012-2014. Taken samples of the all purpose 30 companies by using purposive sampling method. The data used in this study were obtained from the Indonesian Capital Market Directory (ICMD) 2011-2015. IDX Company Report and www.idx.co.id. Analysis technique used Ordinary Least Square Regression (OLS), statictics t-test, sobel test, and classics assumption test that includes of normality test, multicollinearity test, heteroskedastisitas test, and autocorrelation test. The result shows that ROE has positive association with DPR, DER has negative association with DPR, size has positive association with DPR, sales growth hasn’t association with DPR, DPR has positive association with stock return, and the other variable hasn’t association with stock return. The result of path analysis and sobel test also showed that DPR may mediate the effect of ROE and size on stock return.
Co-Authors Aditya Tri Hardiyawan, Aditya Tri Advento Johanes Pangomo Ajeng Nurmalasari Al Hazmi, Muhammad Zaky Afkar Amie Kusumawardhani, Amie Andri Ismatullah Gani Ardian, Rico Arfinda Piradipta Suharno, Arfinda Piradipta Ariyani, Hilma Faza Augusty Tae Ferdinand Basthiani, Ikrimah Anggita Budi Rahman Clara Dewi Novitasari, Clara Crissy Norris Sianturi, Crissy Norris Cynthia Rahma Fatiha, Cynthia Rahma Cyrena, Maudhita Desi Natalia Pardede, Desi Natalia Dinar Nur Septiyanto Ega Arminta Ega Arminta Fachry Abda El Rahman Fauziah Putri Gantika, Fauziah Febrina Wahyu Widiasari, Febrina Gloria Anindya Perwitaningtyas, Gloria Anindya Hariyanti, Nunik Harjum Muharam Hersugondo Hersugondo Idris Idris Imam Indra Permana Indana, Dina Intan Puspitasari Intan Puspitasari Isdiputra, Feisal Johanis Darwin Borolla Kinasih, Raras Sekar Lhadualiese Sidauruk, Lhadualiese Luthfiati, Fitria Makusara, Kumaralalita Marpaung, Clier Romi Marpaung, Netti Natarida Melati Lindasari, Melati Meryta Wityasari, Meryta Meygawan Nurseto Aji Michael Sandra Pramana, Michael Sandra Michael Sitorus, Michael Mochammad Chabachib Mudzakir, Fahmi Utomo Muhammad, Yusuf Muninggar, Aliya Inggita Prameswari Mussadun Mussadun, Mussadun Nashirah, Azizah Fatin Nida ‘Ul Chasanah, Fatihah Nugrahandini, Yuliastanti Nurul Hakim, Nurul Oktaviani oktaviani Otto Fitriandy Pradhipta, Rama Dwika Prianka Ratri Nastiti, Prianka Ratri Priono, Andri Puji Irawan, Puji Putra, Aditya Mahendra Putri, Aisya Sylvana Rahmadani, Salsabila Gading Ramadhan, Iqbal Ryan Retno Susanti Risky Diba Avrita, Risky Diba Robinson robinson Robiyanto Safitri, Maria Sarah Dewi Fathinna, Sarah Dewi Septi Rianasari, Septi Simanjuntak, Tagora Bangkit Pahala Siwa Adnyana, Ida Bagus Putu Soares, Ersilda Dos Santos Mota Soegiono Soegiono Sugeng Wahyudi, Sugeng Suryanegara, Arya Susilo Toto Raharjo Swaskarina, Neisya Hafizha Triana, Tika Tsabit, Ilhaam Anggra Za’im Wafdayanti, Haasya Wakhidah Kurniawati Widiastuti, Cahyaning Ajeng Wisesa, Baskara Bayu Wisnu Mawardi Yesica Yulian Adicondro, Yesica Yulian Yesy Hartina Alusia, Yesy Hartina Yudha, Aji Yudistira, Eka Maisa Yuwana Sari, Rida