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All Journal CASHFLOW : CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE Journal of Management, Accounting, General Finance and International Economic Issues (MARGINAL)
Nurman
Management, Faculty of Economics and Business, Makassar State University
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Social Sciences

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THE EFFECT OF INTEREST RATES ON THE DEMAND FOR MULTIPURPOSE LOAN (KSG) AT PT. BANK PERKREDITAN RAKYAT HASAMITRA DAYA MAKASSAR CITY BRANCH Devi Adnyaswari Ngabe Joyti; Agung Widhi Kurniawan; Nurman; Anwar; Andi Mustika Amin
JOURNAL OF MANAGEMENT, ACCOUNTING, GENERAL FINANCE AND INTERNATIONAL ECONOMIC ISSUES Vol. 2 No. 2 (2023): MARCH
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/marginal.v2i2.639

Abstract

Banks play a crucial role as financial institutions by collecting and distributing public funds to support national development. Conventional banks primarily generate income through interest charged on loans provided to borrowers. This study aimed to investigate the impact of interest rates on the demand for multipurpose loan (KSG) at PT. Bank Perkreditan Rakyat Hasamitra Daya, Makassar City Branch. The variables considered in this study are interest rates and the demand for multipurpose loans. The population for this study consists of all interest rate data and credit request reports for multipurpose loans at PT. Bank Perkreditan Rakyat Hasamitra Daya, Makassar City Branch. The sample includes interest rate data and credit request reports for multipurpose loan at PT Bank Perkreditan Rakyat Hasamitra Daya, Makassar City Branch, from 2015 to 2022, covering each quarter. The data collection techniques employed in this study are documentation and interviews. The analysis used to determine the relationship between the independent variables and the dependent variable includes simple linear regression, classical assumption tests, and hypothesis testing. The results of the regression equation for the impact of interest rates on the demand for multipurpose loans are as follows: Y = 17,337,852 - 75,073 X. Based on these findings, interest rates do not exhibit a significant effect on the demand for multipurpose loans. The influence of interest rates on the demand for multi-purpose credit at PT. Bank Perkreditan Rakyat Hasamitra Daya, Makassar City Branch, accounts for 38.4%. The remaining 61.6% is influenced by other factors not examined in this study.
ASSESSMENT OF FINANCIAL PERFORMANCE IN SOE BANK USING THE DUPONT SYSTEM METHOD PERIOD 2019-2021 Mar'atul Fitriyah H.; Abdi Akbar; Anwar; Anwar Ramli; Nurman
CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE Vol. 2 No. 3 (2023): APRIL
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/cashflow.v2i3.624

Abstract

Appraisal of a company's performance can be observed from both financial and non-financial perspectives. This study specifically measures financial performance by focusing on the DuPont System analysis. The DuPont system divides performance into three components: net profit margin, rate of return on assets, and rate of return on equity/capital. However, this study only considers two components of the DuPont System, namely return on assets and net profit margin. This research is of a quantitative nature with a descriptive approach. The data analyzed is derived from the financial statements of all state-owned banks, particularly the financial position statements and annual comprehensive income statements from December 31, 2019, to December 31, 2021. The results of the study indicate that, among the four banks, Bank Rakyat Indonesia (Persero) Tbk exhibits the best financial performance, while Bank Tabungan Negara (Persero) Tbk displays the lowest financial performance.
Co-Authors Abdi Akbar Agung Widhi Kurniawan Andi Mustika Amin Anwar Anwar Ramli Devi Adnyaswari Ngabe Joyti Mar'atul Fitriyah H.