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THE INFLUENCE OF LOAN TO DEPOSIT RATIO AND CAPITAL ADEQUACY RATIO ON NON PERFORMING LOANS AT PT. WEST JAVA REGIONAL DEVELOPMENT BANK, Tbk. sartika, andi; Salam, Safaruddin
Jurnal Ekonomi Ichsan Sidenreng Rappang Vol 2 No 2 (2023): December, Hal : 186-247
Publisher : Universitas Ichsan Sidenreng Rappang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61912/jeinsa.v2i2.29

Abstract

This research aims to determine the effect of Loan To Deposit Ratio and Capital Adequacy Ratio on Non-Performing Loans at PT. West Java Regional Government Bank, Tbk. The type of data used is a quantitative data model. The data source used is secondary data. The analytical methods used are descriptive quantitative, multiple linear regression, correlation coefficient (R), coefficient of determination (R2), F test and t test. The research results show the value of the regression equation Y = 14.3929 + 0.00029X1 - 0.7005X2. The t b1 test shows that the Loan To Deposit Ratio has a positive but not significant effect on Non Performing Loans and the b2 t test shows that the Capital Adequacy Ratio has a negative and significant effect on Non Performing Loans. The F test results show that the Loan To Deposit Ratio and Capital Adequacy Ratio have a simultaneous and significant effect on Non-Performing Loans at PT. West Java Development Bank, Tbk. Hyoptheses H2 and H3 are accepted but hypothesis H1 is rejected.
PENGARUH NET LABA MARGIN DAN EARNING PER SAHAM TERHADAP HARGA SAHAM PADA PT. MANDALA MULTIFINANCE, Tbk sartika, andi; Ifwana, Ifwana
Jurnal Ekonomi Ichsan Sidenreng Rappang Vol 4 No 1 (2025): Hal
Publisher : Universitas Ichsan Sidenreng Rappang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61912/jeinsa.v4i1.122

Abstract

This study aims to examine the influence of Net Profit Margin (NPM) and Earnings Per Share (EPS) on stock prices at PT Mandala Multifinance, Tbk. The types of data used in this research are both qualitative and quantitative, with secondary data serving as the primary data source. The analytical methods employed include multiple linear regression, coefficient of determination (R²), correlation coefficient (R), as well as F-test and t-test. The results show the regression equation as follows: Y = 821.104 + 18.682X₁ + 0.680X₂ + e. The coefficient of determination (R²) is 0.043, and the correlation coefficient (R) is 0.208, indicating a very weak relationship between the independent variables and the stock price. The F-test result shows that the calculated F-value (0.14) is less than the critical F-value (5.14), indicating that NPM and EPS simultaneously have no significant effect on stock prices. Partially, the t-test results show that NPM (t-value = 0.32) and EPS (t-value = 0.12) are both lower than the critical t-value (1.943), suggesting that neither variable has a significant influence on the stock price of PT Mandala Multifinance, Tbk.