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All Journal JRAK (Jurnal Riset Akuntansi dan Bisnis) (e-Journal) Jurnal Penkomi : Kajian Pendidikan dan Ekonomi EKONOMIKA45
Christnova Hasugian
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Humanities Economics, Econometrics & Finance Education Social Sciences

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AKIBAT HUKUM BAGI BANK BILA KEWAJIBAN MODAL INTI MINIMUM TIDAK TERPENUHI Renaldi Vandoli Situmorang; Jhon Petrus Sihombing; Ruth Indah Silitonga; Silvie Simanjuntak; Yosua Pande Raja Sitorus; Christnova Hasugian; E Hamonangan Siallagan
Jurnal PenKoMi : Kajian Pendidikan dan Ekonomi Vol 7 No 1 (2024): Jurnal Penkomi : Kajian Pendidikan dan Ekonomi
Publisher : Sekolah Tinggi Keguruan dan Ilmu Pendidikan (STKIP) Bima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33627/pk.v7i1.1793

Abstract

Tujuan dari penelitian ini adalah membahas implikasi dari kewajiban modal inti minimum, langkah hukum dalam pemenuhan modal inti minimum dan konsekuensi hukum apabila persyaratan mengenai modal inti minimum tidak terpenuhi. Penelitian ini menggunakan paradigma konstrukstivitis dengan metode penelitian deskriptif kualitatif. Hasil penelitian adalah pencapaian modal inti minimum dapat dicapai melalui berbagai pilihan, antara lain penambahan modal disetor, peningkatan laba, atau melakukan merger, konsolidasi, dan akuisisi. Kenyataannya, merger dan konsolidasi bukanlah pilihan utama bagi bank untuk mencapai modal inti minimal. Bank dapat mencapai modal inti seminimal mungkin dengan menambah modal baru atau meningkatkan keuntungan. Hal ini disebabkan proses merger, konsolidasi, dan akuisisi mempengaruhi kinerja bank dan menimbulkan risiko kegagalan bank yang signifikan. Kewajiban modal minimum sebesar Rp 100 miliar merupakan kebijakan untuk menjaga kelangsungan bank dalam pengelolaan risiko, yang erat kaitannya dengan peran bank sebagai lembaga yang terpercaya dalam menyalurkan dana dari dan ke masyarakat. tanggal 31 Desember 2010. Implikasi hukum bagi bank yang beroperasi dengan modal inti minimal 100 miliar dan tidak leluasa mengajukan konversi izin menjadi BPR.
Pengaruh Suku Bunga Deposito Terhadap Perkembangan Dana Deposito Amelia Marbun; Anju Rayman Lumban Gaol; Febtri Basaria Marbun; Rolinda Lumban Gaol; Ruth Marselina Sihombing; Christnova Hasugian; Hamonangan Siallagan
EKONOMIKA45 :  Jurnal Ilmiah Manajemen, Ekonomi Bisnis, Kewirausahaan Vol. 10 No. 2 (2023): Juni : Jurnal Ilmiah Manajemen, Ekonomi Bisnis, Kewirausahaan
Publisher : Fakultas Ekonomi Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/ekonomika45.v10i2.2174

Abstract

Deposits as a financial instrument have become the main choice among the public and business people in the modern economy. providing security and stable profits. The main factor that influences the decision to place funds in deposits is the interest rate offered by financial institutions. This strategic decision requires careful consideration in the dynamics of an economy that continues to develop. This research aims to investigate how deposit interest rates influence people's and companies' decisions in placing their funds, as well as the impact of changes in interest rates on the development of deposit funds. This research will also explore factors that can moderate the influence of deposit interest rates on the development of deposit funds. It is hoped that this research can provide better insight for stakeholders in managing their financial portfolios effectively in the context of dynamic financial markets. The research stage begins with a literature study which includes a literature review on the influence of deposit interest rates on the development of deposit funds. Sample selection was carried out to determine the bank or financial institution that would be the focus of the research. The research variables involve deposit interest rates as the independent variable and the development of deposit funds as the dependent variable. The data collection method is carried out by collecting historical data on deposit interest rates and the development of deposit funds from sources such as central banks, financial institutions, or economic databases. Annual or quarterly financial data from selected banks is the focus of the analysis. The results of the discussion conclude that deposit interest rates influence public and company decisions in placing funds. Competitive interest rates increase the attractiveness of deposits as a safe investment. Company decisions are influenced by liquidity considerations and capital requirements for long-term investments. Changes in interest rates influence the growth or shrinkage of deposit funds, with rising interest rates increasing the attractiveness of deposits.
Analisis Mekanisme Penyelenggara Kliring Lokal Manual Pada Kantor Perwakilan Bank Indonesia Provinsi Sumatera Utara Lamtiur Simamora; Gulo, Ayu Lestari; Lumban Gaol, Ayu Indah; Gultom, Intan Angelina; Br Sinambela, Putri Yulia; Christnova Hasugian; Hamonangan Siallagan
JRAK (Jurnal Riset Akuntansi dan Bisnis) Vol. 10 No. 1 (2024): JRAK Jurnal Riset Akuntansi dan Bisnis Januari 2024
Publisher : LPPM POLITEKNIK LP3I BANDUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38204/jrak.v10i1.1811

Abstract

The aim of this research is to determine the mechanism for implementing clearing at the Bank Indonesia Representative Office (KPW) of North Sumatra Province. In analyzing the data, the author used a qualitative data analysis method as a research method that explains descriptively the clearing implementation mechanism at the Bank Indonesia Representative Office, North Sumatra Province. Clearing as one of the payment and collection services for customers at the Bank Indonesia Representative Office of North Sumatra Province, in its implementation carries out the process of debit clearing activities. Based on the explanation of the existing clearing implementation mechanism and determined by the Bank Indonesia Representative Office of North Sumatra Province, it can be concluded that the clearing implementation mechanism implemented is in accordance with the systems and mechanisms of the Bank Indonesia National Clearing System (SKNBI) and has been well realized, so that the level the occurrence of mistakes or mistakes can be minimized. However, sometimes the clearing implementation experiences obstacles that hinder the clearing process. The obstacle in question is a disruption in connection with the national clearing organizer (Central BI Office) in carrying out online clearing because there are too many clearing participants carrying out online clearing. This has an impact on clearing activities which causes delays both in obtaining data and in sending clearing data.
Analisis Pengaruh Pembiayaan Surat Berharga Negara (SBN) Terhadap Tingkat Kemiskinan Indonesia: Masa Normal Dan Masa Pandemi Covid-19 (2020-2023) Greace Havana Tamba; Tarigan, Gideon; Simanjuntak, Hendra Inbowo; Br Siahaan, Viona Tasya; Hamonangan Siallagan; Christnova Hasugian
JRAK (Jurnal Riset Akuntansi dan Bisnis) Vol. 10 No. 1 (2024): JRAK Jurnal Riset Akuntansi dan Bisnis Januari 2024
Publisher : LPPM POLITEKNIK LP3I BANDUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38204/jrak.v10i1.1813

Abstract

When the country is experiencing a fiscal deficit, especially during a crisis, the issuance of government bonds is considered a necessity, predominantly to finance productive sectors. This paper aims to analyze the effect of financing originating from Government Bonds (SBN) on poverty levels in Indonesia. The analysis is carried out over a period from normal times (2012- 2019) to the Covid-19 pandemic crisis (2020-2022). The method of this study is explanatory research through a quantitative approach and multiple linear regression in this study using SPSS 25. The findings from this study are that there has been an increase in SBN and government allocation on social assistance spending. Generally, social assistance policies have also proven effective in reducing the percentage of poverty in the entire community, especially rural communities, yet have not been able to reduce urban poverty. Meanwhile, at the time of Covid 19 Pandemic, the increase of SBN cannot automatically eradicate poverty, as the social assistance budget does not have a significant effect on the percentage of poverty in urban areas.
Co-Authors Amelia Marbun Anju Rayman Lumban Gaol Br Siahaan, Viona Tasya Br Sinambela, Putri Yulia E Hamonangan Siallagan Febtri Basaria Marbun Greace Havana Tamba Gulo, Ayu Lestari Gultom, Intan Angelina Hamonangan Siallagan Jhon Petrus Sihombing Lamtiur Simamora Lumban Gaol, Ayu Indah Renaldi Vandoli Situmorang Rolinda Lumban Gaol Ruth Indah Silitonga Ruth Marselina Sihombing Silvie Simanjuntak Simanjuntak, Hendra Inbowo Tarigan, Gideon Yosua Pande Raja Sitorus