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<![CDATA[ANALISIS PENERAPAN PRINSIP “5C” TERHADAP AKURASI ANALISA KREDIT PADA PT. FIRST INDO AMERICAN LEASING ]]>
<![CDATA[Marwansyah, Sofyan]]>
<![CDATA[ MONETER - JURNAL AKUNTANSI DAN KEUANGAN Vol 1, No 2 (2014): OKTOBER 2014 ]]>
Publisher : <![CDATA[Universitas Bina Sarana Informatika ]]>
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DOI: 10.31294/moneter.v1i2.949
<![CDATA[The company is one of the economic actors. Leasing or lease is a financial company whose activities provide financing facilities. Definition of the lease based on the Ministry of Finance No.1969 / KMK.01 / 1999 Article 1, the rent-to-business (leasing) is a financing activity in the form of supply of capital goods either lease with the option-business (finance lease) or rental -guna-effort without the option (operating lease) for use by the lessee for a certain period based on periodic payments. nonperforming loans originated from the accuracy of credit analysts conduct analysis on prospective customers, the tighter the analysts to analyze the problem loans will not occur or be minor. In this study the authors will discuss the principles of Applied 5c to the accuracy of the analysis of PT First Indo American Leasing by distributing questionnaires to 30 credit analysts, the results of that discussion dipeoleh There is a strong and direct relationship between the application of the principle of 5c on the accuracy of analysis, where the better implementation 5C principle it will better the accuracy of the analysis of the provision of credit, the amount of analysis accuracy is affected by the application of the principle of 5C in your analysis process credit of 72.10% remaining 27.9% is influenced by other factors and the regression equation Y = 0.480 + 0.919 x is the regression equation significant. Keywords : accuracy analysis, principle 5 C,]]>
<![CDATA[ANALISA TINGKAT KEPUASAN NASABAH ATAS PELAYANAN JASA KEUANGAN PERDAGANGAN BERJANGKA PT. “X FUTURES” ]]>
<![CDATA[Marwansyah, Sofyan]]>
<![CDATA[ MONETER - JURNAL AKUNTANSI DAN KEUANGAN Vol 2, No 1 (2015): APRIL 2015 ]]>
Publisher : <![CDATA[Universitas Bina Sarana Informatika ]]>
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DOI: 10.31294/moneter.v2i1.1051
<![CDATA[Various types of services the company provides to customers either already regulated by law and that the company incentive to provide the best services to customers to improve satisfaction. In the author's purpose to analyze the level of customer satisfaction PT. X Future of the financial services of the company to test the multiple linear regression analysis using the data in the form of questionnaires to 30 (thirty) the customer. Based on the results of the discussion conducted by meode linear regression can be obtained the first result; There is a relationship between the services provided by the company to the Customer satisfaction level of 0961, where the better the service, the higher the level of Customer satisfaction is concerned because of the relationships formed between two (2) is a strong indicator, second; There is the influence of the service provided by the company to the Customer satisfaction level of 0961, where the quality of service provided greatly affect the level of satisfaction of the Customer due to the effect of which is formed between two (2) is a strong indicator and third; that the form of relevant and significant linear equation between the level of service to the Customer satisfaction level with the line equation y = -6.188 + 1,149x Keywords: Service, Customer Satisfaction]]>
<![CDATA[ANALISIS PEMBERIAN KREDIT, PENDAPATAN BUNGA BERSIH DAN DANA PIHAK KETIGA TERHADAP LABA PADA BANK BUMN ]]>
<![CDATA[Marwansyah, Sofyan]]>;
<![CDATA[A. Sudrajat, A. Sudrajat]]>
<![CDATA[ Aksara Public Vol 2 No 4 (2018): Desember (2018) ]]>
Publisher : <![CDATA[EDUTECH CONSULTANT ]]>
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<![CDATA[A Bank as a means of intermediation in the world economy today is growing day by day, one of the bank's function is to collect funds from third parties and redistribute in the form of Credit, where in this activity the bank get interest income so that bank has profit in the form of profit earned. in this research the authors want to know the relationship and influence either partially or stimultaneously between third party funds, lending, and interest income to Earnings of State Banks period 2007 to 2016 where the data authors take from the data summary financial statements listed on the website idx. The method used in this study using multiple linear regresion analysis with the first step to test the classical assumptions first processed using SPSS software version 21, the results obtained that partial lending has an influence of 45.2% on earnings, Interest Revenues by Partial has an influence of 41.4% on Profit, Third Party Funds partially have the effect of 72.2% On Profit, while credit, Interest Income and Third Party Funds Simultaneously have the effect of 93.3% of Profit.]]>
<![CDATA[THE EFFECT OF PRODUCT INNOVATION ON SAMSUNG SMARTPHONE PRODUCT PURCHASE DECISIONS THROUGH BRAND EQUITY AS INTERVENING VARIABLES IN THE TOKOPEDIA MARKETPLACE ]]>
<![CDATA[Suleman, Dede]]>;
<![CDATA[Zuniarti, Ida]]>;
<![CDATA[Marwansyah, Sofyan]]>;
<![CDATA[Kuspriyono, Taat]]>;
<![CDATA[Riftiasari, Dinar]]>;
<![CDATA[Rusiyati, Sri]]>;
<![CDATA[Suharyadi, Dedi]]>;
<![CDATA[Ariawan, Joko]]>
<![CDATA[ Journal of Industrial Engineering & Management Research Vol. 2 No. 5 (2021): October 2021 ]]>
Publisher : <![CDATA[AGUSPATI Research Institute ]]>
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DOI: 10.7777/jiemar.v2i5.209
<![CDATA[Buying choices are contemplations that exist inside a person to work out something to look for through an interaction of thought with different accessible choices. There are many components that impact buying choices where each buyer needs an item which will address all issues. In this manner, inside the choice to search for Cell phone items, shoppers likewise need items that have total innovation that follows the days, so makers are needed to in any case improve on their items. This investigation utilizes a quantitative methodology and SEM PLS examination strategy utilizing the Keen PLS 3 investigation instrument. during this examination, purposive inspecting method was utilized. The populace during this examination were all Samsung cell phone shoppers who made buys through the Tokopedia commercial center during 2020. on account of the wide populace inclusion, the populace during this investigation isn't known definitely, so during this examination the creators utilized a limitless populace, in the wake of figuring the example during this examination. This examination is 100 respondents. The consequences of this examination demonstrate that there's a positive and critical impact of item development variable on brand value, there's no impact of item advancement variable on buying choices, there's a positive and huge impact of brand name value on buying choices and there's a positive and huge impact of item development on buy choices through brand value.]]>
<![CDATA[Dampak Kebijakan BI Rate Repo 7 Days terhadap Kinerja Bank Pemerintah ]]>
<![CDATA[Sofyan Marwansyah]]>;
<![CDATA[Sri Rusiyati]]>
<![CDATA[ Jurnal Ecodemica : Jurnal Ekonomi Manajemen dan Bisnis Vol 3, No 2 (2019): Jurnal Ecodemica: Jurnal Ekonomi, Manajemen dan Bisnis ]]>
Publisher : <![CDATA[LPPM Universitas BSI ]]>
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DOI: 10.31294/jeco.v3i2.6345
<![CDATA[The policy to overcome the inflation lane is usually the central bank uses an interest rate policy called the BI Rate, but the BI Rate policy is deemed ineffective for banks because it requires a long time to a year, so the central bank issues a 7-day BI Rate Repo with the aim to effective in carrying out financial system policies. The purpose of this writing is first; to determine the influence of BI Rate Repo policy on Capital Ratios and Profitability ratios of Government banks, second; to see if there are significant differences in capital performance and profitability of government banks due to the 7 Days BI Rate repo policy. The research results obtained that the BI Rate has a negative significant relationship to the capital ratio (CAR) while the profitability ratio (ROE) has a positive significant relationship; The BI Rate affects the Capital Ratio (CAR) of 27.6% while the Profitability Ratio is 17.2%; The Capital Ratio Rate (CAR) has a significant difference between before the BI Rate Repo policy and after the policy which has increased from 18.65 to 20.42; The profitability ratio (ROE) has a significant difference between before the BI Rate Repo policy and after the policy, which decreased from 20.24 to 16.59. ]]>
<![CDATA[ANALISIS BIAYA OPERASIONAL DAN PENDAPATAN OPERASIONAL TERHADAP RETURN ON ASSETS PADA PT BANK TABUNGAN NEGARA (PERSERO) TBK ]]>
<![CDATA[Sofyan Marwansyah]]>
<![CDATA[ MONETER - JURNAL AKUNTANSI DAN KEUANGAN Vol 2, No 2 (2015): OKTOBER 2015 ]]>
Publisher : <![CDATA[Universitas Bina Sarana Informatika ]]>
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DOI: 10.31294/moneter.v2i2.972
<![CDATA[Earnings or profitability of the business and is used to measure the level of business efficiency and profitability achieved by bank.Untuk maintain a decent level of profitability, the bank must earn to cover the costs and the bank must strive constantly maintain a certain level of income by taking into account risk factors dihadapi.metode research used in the preparation of this thesis is the observation method is to do a street vendor in the State Savings Bank (Persero) Tbk, study the documentation that is by collecting several topics related to the study of books, internet sites, as well as collect data annual basis through the period 2003-2013 financial statements of the bank in the form of balance sheet and profit / loss have been published and simple linear regression analysis method through IBM SPSS Statistics software 21.Tujuan of this research was to determine the relationship, influence, and the regression equation formed from Operating Expenses and Operating Income (ROA) on Return On Assets (ROA) .From the results of analysis showed that the ROA has a weak relationship and not the direction of the ROA amounted to -0.039, and ROA have a significant effect on ROA of 47.7% while the remaining 52.3% is influenced by other factors. The regression equation that can be formed is y = 4,793-0,039x. Keywords: Operating Costs and Operating Income (BOPO), Return on Assets (ROA)]]>
<![CDATA[Analisis Pemberian Kredit terhadap Pendapatan Bunga Bersih Pada PT Bank DKI ]]>
<![CDATA[Yohana Marsaulina Manurung]]>;
<![CDATA[Sofyan Marwansyah]]>
<![CDATA[ MONETER - JURNAL AKUNTANSI DAN KEUANGAN Vol 4, No 2 (2017): Oktober 2017 ]]>
Publisher : <![CDATA[Universitas Bina Sarana Informatika ]]>
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DOI: 10.31294/moneter.v4i2.2341
<![CDATA[ Credit is a bank product that provides greater benefits than other bank products. The amount of credit granted by the bank affects the income level earned in a period, one of which is net interest income. The purpose of this research is to know the relationship between crediting and net interest income of PT Bank DKI. The author uses quantitative analysis by using the correlation coefficient test method, test coefficient of determination, and test the regression equation processed using SPSS software. The data of credit disbursement and net interest income obtained from Annual Report in the form of balance sheet and income statement of PT Bank DKI for the period of 2005-2015. By doing the analysis, it can be seen the correlation relationship between the provision of credit and net interest income is significant because the value of Sig. Of 0.000 <0.05 and has a strong and unidirectional relationship to net interest income because the value of correlation coefficient formed at 0.980. The effect of lending and net interest income is significant because the value of Sig. Amounted to 0,000 <0.05 and net interest income was influenced by the lending of 96.1% and the remaining 3.9% influenced by other factors. And the regression equation that formed between giving credit to net interest income is significant because the value of Sig. Of 0.000 <0.05.]]>
<![CDATA[ANALISIS NON PERFORMING LOAN TERHADAP RETURN ON ASSET PADA BANK MANDIRI PERIODE 2007-2012 ]]>
<![CDATA[Sofyan Marwansyah]]>;
<![CDATA[Rani Kurniasari]]>
<![CDATA[ MONETER - JURNAL AKUNTANSI DAN KEUANGAN Vol 1, No 1 (2014): APRIL 2014 ]]>
Publisher : <![CDATA[Universitas Bina Sarana Informatika ]]>
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DOI: 10.31294/moneter.v1i1.940
<![CDATA[The banking industry is an important sector in the national development that serves as a financial intermediary between parties who have surplus funds to those who need funds. Factors that affect the profitability of the bank can be sourced from a variety of performance indicators indicated profitability . Important profitability ratio for banks is Return On Assets (ROA). ROA is important for banks because ROA is used to measure the company's effectiveness in generating profits by exploiting its assets. ROA is the ratio of profit before tax to total assets. The larger the ROA shows the better performance of the company, because the level of return the greater. In this study the authors wanted to see whether there is a relationship between the NPL on ROA and whether there is influence between NPL on ROA at Bank Mandiri period from 2006 to 2012, the discussion of the results obtained that the variable NPL (Non Performing Loan) has a relationship to the ROA of -0.906, this shows that the NPL has strong relationships and the opposite direction on ROA, ROA variables significantly influenced by variables NPL (Non Performing Loan) of 82.05 % , while the remaining 17.95 % is influenced by other factors and views of the regression equation obtained for Y = 3.48 to 0.95 X , this shows that if there is no value then the value of ROA will NPLs amounted to 348 , if the value of NPLs increase by 1 unit , then it will reduce the value of ROA of 0.95 units Keyword: Analysis of Non-performing loan, ROA]]>
<![CDATA[ANALISIS CURRENT RATIO TERHADAP DEBT TO ASSET RATIO PADA PERUSAHAAN PROPERTY DAN REAL ESTATE ]]>
<![CDATA[sofyan marwansyah]]>
<![CDATA[ MONETER - JURNAL AKUNTANSI DAN KEUANGAN Vol 4, No 1 (2017): April 2017 ]]>
Publisher : <![CDATA[Universitas Bina Sarana Informatika ]]>
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DOI: 10.31294/moneter.v4i1.1389
<![CDATA[Each company generally has the financial statements as a form of management of the operational activities for a specific period. After the financial statements are prepared based on the relevant data, and performed with the correct accounting procedures, it will show the condition of the company's financial statements sebenarnya.Agar more meaningful and understandable to stakeholders then need to do the financial analysis. Financial statement analysis is performed to measure and determine sajauh where the performance of a company at the moment. In this final project research is interested to analyze some of the commonly used ratio is the ratio of liquidity and solvency. This study aims to determine whether the liquidity ratio effect on solvency ratios simultaneously and partially. Independent variables used in this study is the current ratio (X) and the dependent variable is the debt to asset ratio (Y) .Rancangan research is hypothesis testing, with a sample of 20 property and real estate company listed on the Indonesia Stock Exchange year period 2010 to 2012. the data were processed using linear regression analysis using SPSS version 21. Based on the analysis performed on each - each variable, it can be concluded that the current ratio and debt to asset ratio has a relationship being and in the opposite direction to the value of R obtained by -0439. debt to asset ratio is influenced by the current ratio amounted to 19.2% the remaining 80.8% is influenced by other factors. regression line formed dalah Y = 0512-0042 X.]]>
<![CDATA[ANALISIS PERBANDINGAN RASIO RETURN ON ASSETS PADA BANK BJB DAN BANK BUKOPIN ]]>
<![CDATA[Sofyan Marwansyah]]>
<![CDATA[ MONETER - JURNAL AKUNTANSI DAN KEUANGAN Vol 3, No 1 (2016): April 2016 ]]>
Publisher : <![CDATA[Universitas Bina Sarana Informatika ]]>
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DOI: 10.31294/moneter.v3i1.1042
<![CDATA[The bank's financial statements show the financial condition of banks overall. Based on the report can be calculated a number of financial ratios which is commonly used as the basis of assessment the health of banks and assessment of bank performance. Financial ratios that can be used as the analysis is profitability ratio. methods of data collection are observation, interviews and documentation. The data used is secondary data from the consolidated balance sheet, consolidated statements and reports asset quality of BJB bank and Bukopin Bank. The purpose of the research are to determine homogeneity of variance and analyze differences in profitability ratio of BJB bank and Bukopin bank period 2010 to 2014 by using ratio analysis ROA, BOPO and NIM and data analysis techniques used homogeneity of variance test and independent samples t-test. The results showed that variance of ROA BJB bank and Bukopin bank have equal variances with calculated F value of 1,274 and P-value of 0,289 and thereis differences mean of the ROA significant with t value of 4,614> 2,306 Keywords : Financial ratio, Profitability ratio, ROA]]>
