C Handoyo Wibisono, C Handoyo
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PERBANDINGAN GAYA HIDUP ETNIS CINA Wijayaputra, Ngurah Wisnu; Wibisono, C Handoyo
Modus Journals Vol 25, No 1 (2013): MODUS
Publisher : Faculty of Economics Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24002/modus.v25i1.550

Abstract

This study aims to determine the lifestyle of ethnic Chinese and ethnic Bali in Yogyakarta and the diference in his lifestyle. The research was conducted by taking a sample of Chinese and Balinese masyarakatetnis in Yogyakarta and aged between 20 to 49 years. The results of this study showed no diference between ethnic Balinese lifestyle with ethnic Chinese. The results of this study also showed a diference in price awareness and confdence between ethnic Balinese ethnic Chinese.Keywords : lifestyle of ethnic, consumer behavior
Financial Technology in Indonesia: Effect of Risk on Financial Performance in Peer-To-Peer Lending Putri, Bella Marcelina; Wibisono, C Handoyo
KINERJA Vol. 26 No. 2 (2022): KINERJA
Publisher : Faculty of Business and Economics Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24002/kinerja.v26i2.6185

Abstract

This study aims to acquire empirical evidence related to the effect of risk on financial performance in peer-to-peer lending in Indonesia. By exploring the financial statements throughout 2019-2020. The test uses a panel data regression model, the Common Effect Model as the selected estimation regression model. Financial risk is measured by Operating Income Operating Expenses (BOPO), Net Interest Margin (NIM), Loan to Deposit Ratio (LDR), Debt to Asset Ratio (DAR), Debt to Equity Ratio (DER), and Capital Adequacy Ratio (CAR). In contrast, financial performance is measured by Return on Assets (ROA) and Return on Equity (ROE). The results of this study showed that the solvency risk projected by DAR, DER, and CAR had proven to influence the profitability of peer-to-peer lending in Indonesia projected by both ROA and ROE.
Financial Technology in Indonesia: Effect of Risk on Financial Performance in Peer-To-Peer Lending Putri, Bella Marcelina; Wibisono, C Handoyo
KINERJA Vol. 26 No. 2 (2022): KINERJA
Publisher : Faculty of Business and Economics Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24002/kinerja.v26i2.6185

Abstract

This study aims to acquire empirical evidence related to the effect of risk on financial performance in peer-to-peer lending in Indonesia. By exploring the financial statements throughout 2019-2020. The test uses a panel data regression model, the Common Effect Model as the selected estimation regression model. Financial risk is measured by Operating Income Operating Expenses (BOPO), Net Interest Margin (NIM), Loan to Deposit Ratio (LDR), Debt to Asset Ratio (DAR), Debt to Equity Ratio (DER), and Capital Adequacy Ratio (CAR). In contrast, financial performance is measured by Return on Assets (ROA) and Return on Equity (ROE). The results of this study showed that the solvency risk projected by DAR, DER, and CAR had proven to influence the profitability of peer-to-peer lending in Indonesia projected by both ROA and ROE.