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INDONESIA
Terbuka Journal of Economics and Business
Published by Universitas Terbuka
ISSN : -     EISSN : 2721298X     DOI : https://doi.org/10.33830/tjeb
Core Subject : Economy,
Economics, Econometrics & Finance
Terbuka Journal of Economics and Business particularly focuses on the main problems in economics and business areas in South East Asia region as follows: Business studies Entrepreneurship Microeconomics Behavioral economics Government regulation, taxation Macroeconomics Financial markets, investment theories, banking International economics Economic development other relevant subjects
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 5 Documents
 1 
Search results for , issue "Vol. 2 No. 1 (2021)" : 5 Documents clear
The Effect of Internal Factor Toward Banking Credit Distribution Pratiwi, Pratiwi; Muktiyanto, Ali; Yayuk Priyati, Rini
Terbuka Journal of Economics and Business Vol. 2 No. 1 (2021)
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarkat-Universitas Terbuka

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (707.452 KB) | DOI: 10.33830/tjeb.v2i1.1480

Abstract

The country's economy is supported by banking institutions. This is because the benefits of credit are greater compared to other bank businesses such as savings fund deposit services fees, interbank delivery service fees and so on. Internal factors that affect lending include CAR, ROA, NPL, LDR and BOPO. This research was conducted with the aim of simultaneously testing CAR, ROA, NPL, LDR and BOPO on bank credit distribution. The research sample is the bank with the largest number of assets in Indonesia. Data were obtained from the financial statements of the Persero's commercial banks from 2013 to 2017, using the panel data regression data analysis method. The results of hypothesis testing on CAR have a positive influence on lending, ROA also has a positive effect on lending, NPL has a negative effect, LDR has a positive effect, BOPO has a negative effect, whereas if tested simultaneously, CAR, LDR, NPL, LDR and BOPO has a positive effect on lending. With regard to the above conclusions, bank management should be able to take into account the trend of financial ratios for several years, before determining the lending policy
Analysis Effect of BI Rate, Inflation, GRDP, Export Growth and Non-Performing Loans to Rural Bank (BPR) ROA in Lampung Province Subiyanto, Heru; Damiri, Johannis; Wardini, Amalia Kusuma
Terbuka Journal of Economics and Business Vol. 2 No. 1 (2021)
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarkat-Universitas Terbuka

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1049.433 KB) | DOI: 10.33830/tjeb.v2i1.1481

Abstract

Rural Credit Bank (BPR) is a financial institution that has an intermediation function with the activity of collecting funds from the public, in the form of Savings and Time Deposits, and channeling them back to the public in the form of credit. Businessly, the purpose of BPR is to make a profit. BPR's efforts to obtain profit are faced with problems, namely external problems in the form of unfavorable economic conditions and internal problems in the form of credit risk as indicated by the high Non-Performing Loans. This study aims to analyze the macroeconomic influence that is represented by BI Rate, Inflation, GRDP and Export Growth as well as Non-Performing Loans on BPR ROA in Lampung Province. This study uses multiple linear regression analysis tools with the Ordinary Least Square (OLS) method carried out using a time span from 2007 to 2017 and hypothesis testing uses t-statistics to test the partial regression coefficients and the significance of the overall effect with a level of significance of 5%. Because the data used are secondary data in the form of time series data that has wide fluctuations or instability, then testing ARCH (Autoregressive Conditional Heteroscedasticity) and GARCH (Generalized Autoregressive Conditional Heteroscedasticity) and to determine the accuracy of the model need to be tested on several classic assumptions that are underlying regression model. Testing the classic assumptions used in this study include tests of normality, heteroscedasticity, autocorrelation, and multicollinearity. During the observation period showed that the research data were normally distributed. Based on the heteroscedasticity test and the multicollinearity test, no variables found that deviate from the classical assumptions, but based on the autocorrelation test found a positive autocorrelation. This autocorrelation problem is most likely due to the small amount of data (n). Overall this shows that the available data meets the requirements to use the multiple linear regression equation model. Based on the test results the coefficient of determination obtained R2 value of 0.5164 which means that the closeness of the overall independent variable to the dependent variable is 51.64%, while the remaining 48.36% is influenced by other variables outside this regression model. Based on the F statistical test at the 95% confidence level, the calculated F value is 1.28 and the F-Prob value is 0.3805> α 5%, so it can be concluded that the overall variables of BI Rate, Inflation, GRDP, Export Growth and NPL influence ROA. Based on the t test it was concluded that the BI rate, inflation, GRDP and NPL did not have a significant negative effect on ROA, while export growth had no significant positive effect on ROA.
The Influence of Social Media Users on Purchasing Decisions on UKM in Pontianak Alfikri, Rahmat; Wardana, Dwiyadi Surya
Terbuka Journal of Economics and Business Vol. 2 No. 1 (2021)
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarkat-Universitas Terbuka

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (587.135 KB) | DOI: 10.33830/tjeb.v2i1.1482

Abstract

There are 57% of the 100 instragram social media users who are used as respondents, with the method of retrieving Accidental Simple Random Sampling, the data obtained is processed using Structural Equation Modeling (SEM) through the IBM Amos v26 program. The purpose of this study is to analyze the extent to which social media users influence purchase decisions. Findings. It is derived from the marketing dimension that Online Communities, Interaction, and Sharing of Content have no positive effect on Social Media, but Accessibility and Credibility have a positive effect on Social Media. Social Media has an influence on Purchasing Decisions, and social media cannot be said to be an intervening variable that affects the relationship between independent variables and dependent variables into indirect and un observable and measurable relationships.
The Moderating Role of Self Efficacy Toward Multiple Role Conflict and Job Performance A. A. R. P. Sari, Raden; Haziroh, Awanis L.; Putra, Febrianur I. F. S.; Pramadanti, Amanda D.
Terbuka Journal of Economics and Business Vol. 2 No. 1 (2021)
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarkat-Universitas Terbuka

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (274.736 KB) | DOI: 10.33830/tjeb.v2i1.1506

Abstract

The focus of this study is to provide empirical evidence of the moderating effect of self efficacy on the relation of multiple role conflict on employee performance. In addition, this study also examines the effect of multiple role conflict and self-efficacy on job performance. One hundred female employees from four commercial/government banks were sampled in this study. Sampling using purposive sampling technique with the criteria have been working for more than one year, married and already have children. Data were collected through questionnaires and processed using Moderated Regression Analysis (MRA). The results showed that multiple role conflicts have a significant negative effect on job performance, self-efficacy has a significant positive effect on job performance. Meanwhile, self-efficacy is not able to weaken or strengthen the influence of multiple role conflicts on job performance, in other words, self-efficacy fails to become a moderating variable in this study.
The Influence of Price and Product Quality on Purchase Decisions on Thrift Clothes at Shabira Store, Tulang Bawang Regency Safitri Malik, Annisa; Jayanti, Afrida; F Sanjaya, Vicky
Terbuka Journal of Economics and Business Vol. 2 No. 1 (2021)
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarkat-Universitas Terbuka

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (418.83 KB) | DOI: 10.33830/tjeb.v2i1.2560

Abstract

The purpose of this study was to determine the effect of price and product quality on purchasing decisions. The subject used in this study is a picture of a secondhand shop from the Shabira Store, Tulang Bawang Regency. The method used is a questionnaire instrument, the sample used is consumers at the Shabira Store, Tulang Bawang Regency, totaling 66 respondents. The statistical test used is PLS-based Structural Equation Modeling. Validity test using Factor Loading then Reliability Test using Cronbach'c Alpha, Composite Reliability and Average Variance Extracted (AVE) values. Thus, all the results of the index items used in this study are valid and reliable, thus

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