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Pengaruh Motivasi Investasi, Pemahaman Investasi Dan Minat Investasi Pada Mahasiswa Perangin Angin, Aldian Syahputra; Raj, Saran; Silitonga, Pirhot; Pandiangan, Yeni Harlianti; Siallagan, Hamonangan; Sipayung, Rizki Christian
Innovative: Journal Of Social Science Research Vol. 3 No. 5 (2023): Innovative: Journal of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

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Abstract

Indonesian people, especially students, are still very consumptive, uphold a hedonic lifestyle and forget to invest in preparation for the future amid the rapid development of the investment world. This study aims to determine the effect of investment motivation and understanding of investment on students' investment intentions. This research uses quantitative methods. The number of correspondents in this study amounted to 66 students who were taken by purposive sampling technique. Data was collected by distributing questionnaires via the Google form. This study uses the method of linear regression analysis and multiple regression with the help of the SPSS program. To analyze the effect of investment motivation (X1) and investment understanding (X2) on investment interest (Y) the t-test is used. The test results show that the influence of investment motivation and investment understanding has a significant influence on investment interest in students Medan/Universitas HKBP Nommensen with a significance value of 0.041 for investment motivation and 0.000 for investment understanding. Where the value is still less than 0.05. This study also found that investment motivation and investment understanding had an influence on student investment interest by 82.4%
Analisis Pengaruh Inflasi, Pertumbuhan Ekonomi, CAR dan Dana Pihak Ketiga Terhadap Penyaluran Kredit oleh PT. BCA Periode 2011-2022 Br. Tobing, Gresi Lusina; Sianturi, Eva Marlina; Sinurat, Erna Anjelina; Perangin Angin, Aldian Syahputra; Hasugian, Christnova; Siallagan, Hamonangan
Innovative: Journal Of Social Science Research Vol. 4 No. 1 (2024): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i1.9305

Abstract

Bank umum berhubungan dengan masyarakat dengan menghimpun dana melalui transaksi kredit. Perkreditan merupakan kegiatan yang penting baik bagi bank maupun masyarakat karena mempengaruhi aset keuangan sehingga menjadi kriteria penilaian transaksi perkreditan. Hal yang dapat dijadikan pertimbangan pemberian kredit pada penelitian ini adalah inflasi, pertumbuhan ekonomi, CAR dan DPK. Data yang telah diolah merupakan data sekunder, diperoleh dari website BCA, BI, dan BPS dan dilakukan pada PT. BCA periode 2011 hingga 2022. Pengujian hipotesis dilakukan dengan menggunakan SPSS versi 25 melalui uji analisis linear berganda. Hasil penelitian ini menunjukkan nilai signifikansi uji-t inflasi 0,466 > 0,05, signifikansi uji-t pertumbuhan ekonomi 0,199 > 0,05, signifikansi uji-t CAR 0,03 < 0,05 dan signifikansi uji-t dana pihak ketiga 0,014 < 0,05. Maka, dapat disimpulkan bahwa dana pihak ketiga dan CAR memiliki pengaruh yang positif dengan menghasilkan dampak signifikan sedangkan inflasi dan pertumbuhan ekonomi memiliki pengaruh yang positif dengan dampak yang tidak signifikan.