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ANALYSIS OF BANK INDONESIA RATE OF RETURN ON ASSETS AT THE PT. BANK MANDIRI TBK MANADO Deisy Natalia Lalujan; Frendy A.O. Pelleng; Tinneke Tumbel
JURNAL ADMINISTRASI BISNIS Vol. 4 No. 3 (2016): JURNAL ADMINISTRASI BISNIS
Publisher : Universitas Sam Ratulangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35797/jab.v4.i3.%p

Abstract

ABSTRACT: This study aimed "to determine the influence of the BI Rate to Return On Assets (ROA) at Bank Mandiri (Persero) Tbk". This research uses descriptive method with quantitative approach. The data used in this research is secondary data by source and by the dimension of time using time series data (time series). In this study, the time series of data used is the data on a monthly basis in the period January 2013 s / d December 2015. The data collected were then analyzed by applying descriptive statistical analysis techniques and simple regression analysis and correlation of product moment.The results of the study were presented as follows: (1) that in the study period, the variable BI rate positive and significant impact on Return On Asset (ROA). (2) that the increase in ROA of 12.4% co-determined or influenced by the BI rate, while the remaining 87.6% is influenced by other factors not examined in this study.Thus, it can be concluded that the hypothesis which states "It is believed that the BI Rate effect on Return On Assets (ROA) PT. Bank Mandiri (Persero) Tbk "validity can be tested empirically, as well as justify terori-the underlying theory.To optimize the reception ROA at PT. Bank Mandiri (Persero) Tbk, required government policies, especially Bank Indonesia to control the value of BI-Rate effective and competitive so as to stimulate the real sector thus encouraging the proper functioning of banks as financial services, which in turn will increase the ROA of the bank itself.Keywords: BI-Rate, Return on Assets, Bank Mandiri.
Pengaruh Efektivitas Pengendalian Intern Terhadap Tingkat Keberhasilan Kredit Pada Pt. Suzuki Finance Indonesia (SFI) Cabang Manado Ferly Olan Rumengan; Frendy A.O. Pelleng; Olivia F. Walangitan
JURNAL ADMINISTRASI BISNIS Vol. 6 No. 001 (2018): JURNAL ADMINISTRASI BISNIS UNSRAT
Publisher : Universitas Sam Ratulangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35797/jab.v6.i001.%p

Abstract

Loan activity by a finance company is an activity that has high risk, there are many problems or constraints - constraints that result in loss. Factors - factors causing the occurrence of problem loans, including bad loans, installment payments, monitoring and pengelolah internal credit, and so on. Therefore, whether the effectiveness of internal control affects the success rate of credit. This study aims to determine how much influence the effectiveness of internal control of credit success rate at PT. Suzuki Finance Indonesia Branch Manado. Credit by Rivai (2013) "Credit Control is a study conducted by account officer on the feasibility of the company, the client's business feasibility, credit needs, profitability, credit repayment and available guarantees to cover the loan application". Internal Control by Mulyadi (2013) "Internal control system includes organizational structure, methods and measures - coordinated measures to safeguard the organization's wealth, check the accuracy and reliability of accounting data, encourage efficiency and compliance with management policies". The type of research used is descriptive quantitative research using correlation coefficient analysis technique Pearson product moment and simple regression analysis. The population was 46 respondents with the data collecting 44 samples, obtained from the determination of sample size using slovin technique. Data collection was done with questionnaires distributed directly to employees and staff of 44 questionnaires. From hypothesis testing, the real research results show that there is a positive influence and significant effectiveness of internal control of credit success rate at PT. Suzuki Finance Indonesia Branch Manado. With the increased effectiveness of internal control over the credit success rate will have an impact on the increasingly tight credit and operational levels can be maximized.Keywords : Effectiveness Of Internal Control, The Success Rate Credit.