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All Journal Journal on Education SENGKUNI Journal (Social Science and Humanities Studies)
Jevan Andreas Talahaturusun
Universitas Ciputra Surabaya
Humanities Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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Pengaruh DPR Dan NPM Terhadap ROE Pada Situasi Casa Rendah Cliff Kohardinata; Luky Patricia Widianingsih; Jennifer Jennifer; Jevan Andreas Talahaturusun
SENGKUNI Journal (Social Science and Humanities Studies) Vol 4, No 1 (2023)
Publisher : Perkumpulan Dosen Muda (PDM) Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37638/sengkuni.4.1.%p

Abstract

This study aims to examine the effect of the DPR (dividend payout ratio), NPM (Net profit Margin) on ROE (return to equity) in low CASA conditions. The research method used to examine the effect of DPR and NPM on ROE in banks with low CASA (Current Account Saving Account)  is multiple linear regression method with a quantitative approach. The theory used is the bird-in-the-hand theory and the profit-margin theory. The bird-in-the-hand theory explains the tendency of investors to choose to receive dividends rather than capital gains. The profit-margin theory explains that the cause of business depression is the inability of entrepreneurs to earn income that exceeds expenses and continue the business without suffering losses and bankruptcy. The results of the study show that the DPR and NPM have a significant positive effect on ROE at banks with low CASA.
Pengaruh Financial Technology terhadap Indeks Pembangunan Manusia di Indonesia Jevan Andreas Talahaturusun; Cliff Kohardinata; Luky Patricia Widianingsih
Journal on Education Vol 6 No 1 (2023): Journal On Education: Volume 6 Nomor 1 Tahun 2023
Publisher : Departement of Mathematics Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joe.v6i1.4334

Abstract

This research aims to determine the effect of financial technology (FinTech) in the form of P2P loans on the human development index with the use of credit as a control variable. These two usage variables are because credit from the banking side and P2P loans from the FinTech side are expected to provide access to public funding to improve community welfare. The method used in this research is quantitative using a multiple linear regression approach. The data used is documentation of fintech lending statistical reports and banking statistics from the Financial Services Authority and human development index data from the Central Statistics Agency. The population in this study was all provinces in Indonesia and the sample used was 33 provinces in Indonesia from 2021-2022. The results of the research show that financial technology (P2P loans) has a significant positive effect on the human development index.
Co-Authors Cliff Kohardinata Jennifer Jennifer Luky Patricia Widianingsih