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All Journal CASHFLOW : CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE Journal of Management, Accounting, General Finance and International Economic Issues (MARGINAL)
Mustika Amin, Andi
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Social Sciences

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THE EFFECT OF INTEREST RATES ON THE DEMAND FOR MULTIPURPOSE LOAN (KSG) AT PT. BANK PERKREDITAN RAKYAT HASAMITRA DAYA MAKASSAR CITY BRANCH Ngabe Joyti, Devi Adnyaswari; Widhi Kurniawan, Agung; Nurman; Anwar; Mustika Amin, Andi
JOURNAL OF MANAGEMENT, ACCOUNTING, GENERAL FINANCE AND INTERNATIONAL ECONOMIC ISSUES Vol. 2 No. 2 (2023): MARCH
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/marginal.v2i2.639

Abstract

Banks play a crucial role as financial institutions by collecting and distributing public funds to support national development. Conventional banks primarily generate income through interest charged on loans provided to borrowers. This study aimed to investigate the impact of interest rates on the demand for multipurpose loan (KSG) at PT. Bank Perkreditan Rakyat Hasamitra Daya, Makassar City Branch. The variables considered in this study are interest rates and the demand for multipurpose loans. The population for this study consists of all interest rate data and credit request reports for multipurpose loans at PT. Bank Perkreditan Rakyat Hasamitra Daya, Makassar City Branch. The sample includes interest rate data and credit request reports for multipurpose loan at PT Bank Perkreditan Rakyat Hasamitra Daya, Makassar City Branch, from 2015 to 2022, covering each quarter. The data collection techniques employed in this study are documentation and interviews. The analysis used to determine the relationship between the independent variables and the dependent variable includes simple linear regression, classical assumption tests, and hypothesis testing. The results of the regression equation for the impact of interest rates on the demand for multipurpose loans are as follows: Y = 17,337,852 - 75,073 X. Based on these findings, interest rates do not exhibit a significant effect on the demand for multipurpose loans. The influence of interest rates on the demand for multi-purpose credit at PT. Bank Perkreditan Rakyat Hasamitra Daya, Makassar City Branch, accounts for 38.4%. The remaining 61.6% is influenced by other factors not examined in this study.
ANALYSIS OF STOCK PORTFOLIO PERFORMANCE USING THE SHARPE, TREYNOR AND JENSEN METHODS: (Study on stocks included in the Jakarta Islamic Index 70 on the Indonesia Stock Exchange for the period 2019-2022) Marwah, Andi; Anwar; Ramli, Anwar; Nurman; Mustika Amin, Andi
CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE Vol. 2 No. 4 (2023): JULY
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/cashflow.v2i4.693

Abstract

This study aims to find out whether using the single index method will produce an optimal portfolio of Jakarta Islamic Index 70 (JII70) stocks listed on the IDX for the 2019-2022 period and continue to assess its performance using the Sharpe Ratio, Treynor and Jensen methods to find out the best method in assessing the performance of stock portfolios formed in a period. The selection of this research sample was used based on purposive random sampling technique. This study used the One Way of Variance by Rank Kruskal-Wallis different test. In this study, the Sharpe, Treynor, and Jensen values were standardized through the Z-score transformation (standardized) followed by the Mean Rank difference test between treatments. The test results using the Kruskal-Wallis test were obtained with a probability of 0.000. It is known that the probability of testing ≤ 0.05. These results indicate that there are significant differences between the tests with the Sharpe, Treynor, and Jensen methods. Thus, the null hypothesis H0 in this study was rejected. The test results between the three treatment differences in mean rank, showed no significant difference between each treatment because Jensen had the lowest difference in mean rank to Sharpe and Treynor. Jensen's method has a mean difference the lowest rank against Sharpe and Treynor, meaning that Jensen is the most consistent with indifference. Based on the results of the issuer's Jensen method analysis.
Co-Authors Anwar Anwar Ramli Marwah, Andi Ngabe Joyti, Devi Adnyaswari Nurman Widhi Kurniawan, Agung