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All Journal YUME : Journal of Management International Journal of Ethno-Sciences and Education Research
Soecipto, Soecipto
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Religion Humanities Economics, Econometrics & Finance Education Health Professions Languange, Linguistic, Communication & Media Mathematics Social Sciences Transportation Other

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Pengaruh Suku Bunga, Inflasi dan Pandemi Covid-19 terhadap NPL pada Bank Perkreditan Rakyat di Kota Batam Hesniati1, Hesniati; Lim, Desmond; Rinika, Desy; Soecipto, Soecipto; Evajelista, Verlyn
YUME : Journal of Management Vol 5, No 2 (2022)
Publisher : Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/yum.v5i2.1695

Abstract

Wabah COVID-19 telah menjadi bumerang bagi dunia, dan dengan cepat mengganggu aktivitas bisnis. Hampir semua sektor bisnis terdampak pandemi dan kebanyakan sektor usaha hampir mati dan perlu pembenahan untuk berubah. Terutama pada sektor ekonomi yang lebih mengacu pada keuangan, atau lebih dikenal sebagai sektor perbankan, merupakan salah satu sektor yang terdampak. Dalam penelitian ini akan diketahui Inflasi dan tingkat suku bunga telah mempengaruhi NPL BPR sejak pandemi COVID-19 dimulai. ROA digunakan untuk mengukur efektivitas perusahaan dalam memperoleh keuntungan dengan memanfaatkan aset yang diisi. Dengan kata lain, rasio ini digunakan untuk mengukur kemampuan manajemen dalam memperoleh laba secara keseluruhan. Penelitian ini membahas tentang pengaruh suku bunga, inflasi, ROA dan pandemi Covid-19 terhadap Non-Performing Loan (NPL) dengan 28 BPR konvensional yang berada di kota Batam sebagai sampel penelitian. Penelitian dilakukan dengan bantuan aplikasi Eviews sebagai media pengujian.Kata Kunci: NPL, Inflasi, Suku Bunga, ROA dan Pandemi Covid-19
DUMPSTER DIVING THREAT IN PERSONAL DATA LEAKAGE CASE IN INDONESIA Noval, Sayid Muhammad Rifki; Soecipto, Soecipto; Jamaludin, Ahmad; Listiawati, Erna
International Journal of Ethno-Sciences and Education Research Vol. 3 No. 2 (2023): International Journal of Ethno-Sciences and Education Research (IJEER)
Publisher : Research Collaboration Community (Rescollacom)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46336/ijeer.v3i2.419

Abstract

It is a big job for law enforcement to be able to deal with fraud crimes and data leaks that are increasing at this time. Social engineering attacks are considered to be one of the modes used by perpetrators in carrying out their actions. If the current prevention efforts always link social engineering with phishing, an activity that is closely related to technological sophistication, it is necessary to know another form of social engineering that deserves attention, namely dumpster diving. A term that describes the activity of “scavenging” a target's trash in search of valuable information. Dumpster diving is often underestimated because some people think that if the waste that has been disposed of will not be used by others, it will even have a threatening impact. The habit of throwing away records and documents without being destroyed makes it a target for perpetrators to collect information which will then be used in attacking their targets. Several countries have considered regulating the designation of waste that has the potential to be misused, including regarding the security of personal data. Therefore, this article aims to provide an alternative policy for the Indonesian government, in order to consider the issuance of regulations that protect victims who are affected by losses due to the use of waste by perpetrators.
Co-Authors AHMAD JAMALUDIN Evajelista, Verlyn Hesniati1, Hesniati Lim, Desmond Listiawati, Erna Rinika, Desy Sayid Muhammad Rifqi Noval