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INDONESIA
Jurnal Keuangan dan Perbankan
Published by Universitas Merdeka Malang
ISSN : -     EISSN : -     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Arjuna Subject : -
Articles 784 Documents
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PENGARUH SUKU BUNGA, JUMLAH PERUSAHAAN DAN PERTUMBUHAN EKONOMI TERHADAP PENYALURAN KREDIT MODAL KERJA BAGI UMKM DI SUMATERA SELATAN Yustini, Tien
Jurnal Keuangan dan Perbankan Vol 19, No 3 (2015): September 2015
Publisher : D-III Keuangan dan Perbankan

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Abstract

To develop micro, small and middle bussiness (MSMB) depend on Working Capital Credit (WCC). WCC depends on interest rate, the amount of company and economic growth. This study aimed to analize the effect of interest rate, the amount of company and economic growth on Working Capital Credit of MSMB in South Sumatera. To process the data used instrument statistic program of Eviews 7.2 application that will give numeric output. This study used pooled data regression test with Ordinary Least Square (OLS) and using two estimation approaches: Fixed Effect model and Random Effect model. Besides, to examines the two models, it was used Hausman Test. The result showed that interest rate has positive influence to MSMB in villages/cities in South Sumatra Province with amount of interest rate 0.311346 and probability 0.0245 because the interest rate at that time was subsidized by government, so eventhough the interest rate was high people did not get trouble to borrow money in the bank. Economic growth has positive and significant influence to MSMB as amount 1.077473 because if economic growth increases so people income will increase, then the consume will increase and the output will increase too.
BEBAN KERJA, IMPLIKASINYA TERHADAP MOTIVASI KERJA DENGAN KEMAMPUAN KERJA SEBAGAI VARIABEL INTERVENING PADA KARYAWAN BANK UMKM Azwar, Ircham Robbaq; Siswanto, S
Jurnal Keuangan dan Perbankan Vol 19, No 3 (2015): September 2015
Publisher : D-III Keuangan dan Perbankan

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Abstract

The purpose of this study was to empirically prove effects of workload veriable to job motivation trough workability as intervening variable.  This research is conducted in Bank UMKM Surabaya, East Java. The approach used here is descriptive quantitative with explanatory research method. The sample in this research was 66 respondents and the sampling technique used was probability sampling with simple random sampling approach. In this research, the data was analyzed using validity test, reliability test, T-test, F-test, and path analysis to investigate the direct and indirect effect from workload and workability variables toward the work motivation. From the F-test result, it showed positive and significant from workload and workability variables toward the work motivation, while for the T-test there is no significant effect between workload and work motivation, furthermore there is no significant effect between workload and workability, while between the workability and the work motivation, a positive and significant effect is found. In this case, workload has not directly affected significantly toward work motivation, and workload has indirectly affect the work motivation as the intervening variable.
RIBA DAN PEMBIAYAAN DALAM KONSEP HINDU Putra, I Nyoman Nugraha Ardana
Jurnal Keuangan dan Perbankan Vol 19, No 3 (2015): September 2015
Publisher : D-III Keuangan dan Perbankan

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Abstract

This research aimed to explorer usury and  financing concept of  hinduism by hermeneutic research. In order that,  data collection  in this research used documentation in hinduism manuscript as Manawa Dharmasastra and Artha Sastra. Data validation using indeepth the interview conducted literary expert, Hindu philosopher and humanist. The result shows that the concept of usury is the way of financing not opposite with dharma and  financing in Hinduism actually explain the interest rate 2 percent until 5 percent.
DUKUNGAN OPT-OUT DAN PERSEPSI NILAI E-BANKING Purnami, Ni Made
Jurnal Keuangan dan Perbankan Vol 19, No 3 (2015): September 2015
Publisher : D-III Keuangan dan Perbankan

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Abstract

The aim of this study was to determine the effect of perceived firm commitment to privacy and trust in technology on perceived value from the firm with opt-out support as moderating variable. The study was conducted in Denpasar City with  sample size of 120 e-banking user. Sample was determined by purposive sampling and data were collected by using questionnaires distributed directly. The data were processed with Moderate Regression Analysis (MRA). The results of this study indicate that perceived firm commitment to privacy and trust in technology is positively affect perceived value from the firm. Opt-out support are significantly moderate the relationship trust in technology and perceived value from the firm, and the results show a negatif coefficient, which means that the income level weaqken the influence of trust in technology on perceived value from the firm.
DETERMINANTS OF ECONOMIC EXPOSURE: AN EMPIRICAL EVIDENCE FROM THE MISCELLANEOUS COMPANIES IN INDONESIA Majid, M. Shabri Abd.; Zainul, Zaida Rizqi; Sakir, A.
Jurnal Keuangan dan Perbankan Vol 19, No 3 (2015): September 2015
Publisher : D-III Keuangan dan Perbankan

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Abstract

This research empirically measures the economic exposure of 11 selected miscellaneous companies in Indonesia. It also attempts to empirically explore the influence of firm size, export, liquidity, and leverage on the economic exposure of those companies. Annual data from 2007 to 2010, which was collected from the www.idx.co.id and www.bi.go.id were used and analyzed by the multiple linear regression to measure the economic exposure and examine the influences of the firm size, export, liquidity, and leverage on the economic exposure. Both partial (t-test) and simultaneous (F-test) hypotheses were constructed and tested using the software of SPSS for Windows. The research documented that, with the exception of the liquidity, which has a negative and significant effect partially on the economic exposure, all other variables, i.e., the firm size, export, and leverage were found to have insignificant effects. Meanwhile, based on the F-test, the research found that the firm size, export, liquidity, and leverage affected simultaneously and significantly the economic exposure of the companies. These findings imply that in order to manage their economic exposure, the companies should control these variables, especially the liquidity.
DAMPAK ELECTRONIC BANKING TERHADAP KINERJA PERBANKAN INDONESIA Margaretha, Farah
Jurnal Keuangan dan Perbankan Vol 19, No 3 (2015): September 2015
Publisher : D-III Keuangan dan Perbankan

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Abstract

The purpose of this research is to determine the effect of banking service to bank profitability.  A dependend variable ratio in this research is internet banking. It  is to test the effect of Return on Asset (ROA), Return on Equity (ROE), Operating Expenses towards Operating Income and Performance. Another ratio, that was used as a variable control, is asset. The method of data analysis is binary logistic regression. The object of the research is 68 banks in Indonesia. Those banks are divided into two groups, bank with and without internet banking. The result of this research shows that there is influence on internet banking service to effeciency profitability and different grouping. Finance Manager and Investor should pay attention the effect of ROA, ROE, BOPO and Asset.
ANALISIS PENGARUH STRUKTUR MODAL TERHADAP KINERJA KEUANGAN PERUSAHAAN Achmad Komara; Sri Hartoyo; Trias Andati
Jurnal Keuangan dan Perbankan Vol 20, No 1 (2016): January 2016
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (293.579 KB) | DOI: 10.26905/jkdp.v20i1.141

Abstract

AbstractAt this time, business growth requires proper companys financial strategy, especially by managing the capitalstructure to meet funding need of business operations. This research describes the impact of capital structure onfinancial performance of finance company listed on the Indonesia Stock Exchange during the years 2009-2013. The dependent variable in this study is financial performance composed of return on assets ratio (ROA),return on equity ratio (ROE) and price-to-earnings ratio (PER).While the independent variable in the form ofcapital structure is the ratio of debt to total assets (DAR) and the ratio of debt to total equity (DER). The resultof panel data regression analysis showed that the capital structure has negative significant effect on financialperformance of ROA and ROE, but has positive significant effect on PER. Based on these results, the financecompanies should apply the precautionary principle in managing capital resources coming from debt financing,because the increased component of excessive debt in the capital structure of the company could lead to anincrease in the financial burden that affects the reduction in companys profit.
PENGARUH KINERJA PERUSAHAAN, CORPORATE GOVERNANCE, DAN KARAKTERISTIK EKSEKUTIF TERHADAP KOMPENSASI EKSEKUTIF Suherman Suherman; Yoseph Y. P Pardede; Umi Mardiyati
Jurnal Keuangan dan Perbankan Vol 20, No 1 (2016): January 2016
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (97.322 KB) | DOI: 10.26905/jkdp.v20i1.138

Abstract

Abstract The objectives of this research are 1)to examine the effect of firm performance on executive compensation, 2)to investigate the effect of corporate governance on executive compensation, and 3)to find out the effect of execu-tive characteristics on executive compensation. Sample of this research consists of 46 firms (157 observations) listed on Kompas100 index between 2010 and 2013. Controlling for firm size, the results show that 1)ROA has positive and significant effect on executive compensation, but NPM and Tobins Q do not, 2)institutional ownership and independent commissioner do not have significant effect on executive compensation, and 3)ex-ecutive age and gender do not have significant effect on executive compensation.
PENGARUH RASIO KEUANGAN DAN PERUBAHAN PAJAK DIVIDEN TERHADAP DIVIDEND PAYOUT RATIO PERUSAHAAN TERBUKA Cahyo Dwi Sulistiyo; Sri Hartoyo; Tb Nur Ahmad Maulana
Jurnal Keuangan dan Perbankan Vol 20, No 1 (2016): January 2016
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (84.516 KB) | DOI: 10.26905/jkdp.v20i1.145

Abstract

AbstractThe objective of this research was to analyse influence company performance ratio such as ROA, DER, Size,EPS, Current Ratio, Growth and changes in dividend tax rates to Dividend Payout Ratio. The variables testedusing panel regression analysis. Research conducted on 40 emitens included in LQ 45 index of Indonesia StockExchange (ISE) with years of research covering 2006 to 2012. The panel regression results show that thevariables ROA, Current Ratio, Size, andGrowth showed a significant effect on dividend payout ratio,while thevariable DER, EPS, and Tax have no significant effect on the dividend payout ratio but all the variablesimultaneously influential to dividend payout ratio.
DAMPAK CORPORATE GOVERNANCE TERHADAP KEPUTUSAN DIVIDEN (Literature Review Pada Negara-negara di Asia, Australia dan Afrika) Nur Hidayati; Hadi Sunaryo
Jurnal Keuangan dan Perbankan Vol 20, No 1 (2016): January 2016
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (128.813 KB) | DOI: 10.26905/jkdp.v20i1.146

Abstract

AbstractThis study aimed to analyze the impact of corporate governance towards dividend policy in several countriesn Asia, Australia, and Africa. Focusing on literature review and analyzing the result with theoretical andpractical implication disscussed in this paper. Based on paper review, we generalize corporate governancehave significant and negative effect towards dividend policy. But we realize that result from such countriestudied show neither confirmation or rejection to subtitutive theory. There are also conceptual model proposedrom literature review from previous empirical result about effect of corporate governance toward dividend policy.Suggest for future research discussed to gain valuable information about corporate governance anddividend policy.

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