<em>The purpose of this study is to investigate the impact of financial ratios and macroeconomic variables toward SME’s credit on banking sector in Indonesia. In this research, financial ratio variables are the capital adequacy ratio, non performing loan, operating expenses per operating income, third party fund, return on assets, and business credit program. Macroeconomic variables is inflation, the gross domestic product, interest rate of working capital, and interest rate of investment. The research’s samples are banks in Indonesia that are divided based on their types in the period of 2004-2014. The method uses panel data multiple linear regression with random effect model. The results of this study are that CAR, NPL, and BOPO has a significantly negative effect on SME’s credit; DPK, ROA, KUR, inflation, and GDP have a significantly positive effect on SME’s credit. Interest rate of working capital has a significantly negative effect on SME’s credit and interest rate investments do not have a significantly effect on SME’s credit.</em>
Besar (PSBB) yang berdampak pada proses belajar mengajar di berbagai jenjang pendidikan menjadi terganggu akibat dari peliburan sekolah sebagai antisipasi penyebaran COVID-19 sejalan dengan implementasi Peraturan Menteri Kesehatan (Permenkes) RI Nomor 9 Tahun 2020, proses kegiatan belajar mengajar di berbagai instansi pendidikan dihentikan sementara dan digantikan pembelajaran secara daring seperti yang diberlakukan oleh Universitas Pamulang dengan menerapkan E-Learning. Penelitian ini bertujuan untuk menjelaskan aspek-aspek yang relevan dengan fenomena yang diamati dengan mendeskripsikan gambaran pengaruh motivasi dan minat belajar mahasiswa terhadap metode pembelajaran E-Learning pada Program Studi Sarjana Akuntansi Universitas Pamulang T.A 2020/2021 melalui kegiatan observasi, serta kuesioner yang dilanjutkan dengan uji validitas dan uji reliabilitas. Jenis penelitian ini tergolong dalam penelitian kuantitatif. Analisis data yang digunakan dalam penelitian ini berupa statistik deskriptif dan kausalitas. Hasil penelitian ini menunjukkan bahwa terdapat pengaruh yang positif dan signifikan motivasi dan minat belajar terhadap metode pembelajaran E-Learning. Dengan kata lain, aktifitas pembelajaran E-Learning akan berjalan maksimal apabila motivasi dan minat belajar mahasiswa dapat terjaga dengan baik.
Banking institutions are one pillars of the country's economy. His role as a regulator of financial traffic is the cause. Therefore, banks cannot fail, especially bankruptcy. The impact is triggering inflation and deflation that disrupt the economic system and crisis. A bitter experience occurred in 1998. The state suffered losses and triggered a social crisis. Since then, Indonesia has continued to maintain banking institutions to remain healthy and stable. This study aims to present information on banking performance, so it can be useful for parties. Proof efforts use a quantitative approach. Research data sourced from OJK. The results showed that the bank's performance was relatively good. But the last ten years showed a downward trend. The bank is able to maintain capital adequacy, good management of credit burden and risk, so as to increase interest income. But this has not been able to optimize profit and liquidity
The problem that is owned by entrepreneurs who are members of the tiered oriflamm product community in Cigudeg village is the lack of understanding of recording financial statements, especially simple financial statements. The service team decided to provide continuous training for 1 month which was divided into 3 periods, namely the 13th of 20.20 and October 27, 2019. This continuity needs to be done to provide a deeper effect for the trainees so that the trainees can maximize the training material to be reversed in the business being run, so that all income and expenses can be neatly recorded, which in turn can find out how much money you get each month. The material will be provided by Pamulang university lecturers who are experienced in teaching Accounting. In addition, the determination of sources is also based on the background of each instructor so that the instructor can provide teaching materials in a way that is easily understood by the trainees so that the trainees can capture the concepts in recording financial statements simply and apply these records in conducting their business with recording every day. Provision of teaching materials continuously has not given maximum results as the service team expected, so it was decided that training needs to be held longer and in-depth again to have a significant influence on the ability of entrepreneurs who are members of the oriflamme community so that the bookkeeping can be run by each member of both lines above and below the line in the community in the village of Cigudeg. Keywords: Simple financial repor; Financial literacy
scite is a Brooklyn-based organization that helps researchers better discover and understand research articles through Smart Citations–citations that display the context of the citation and describe whether the article provides supporting or contrasting evidence. scite is used by students and researchers from around the world and is funded in part by the National Science Foundation and the National Institute on Drug Abuse of the National Institutes of Health.
hi@scite.ai
10624 S. Eastern Ave., Ste. A-614
Henderson, NV 89052, USA
Copyright © 2024 scite LLC. All rights reserved.
Made with 💙 for researchers
Part of the Research Solutions Family.