This research was conducted with the aim to examine the effect of variable Investment Knowledge, Investment Benefit, Investment Motivation, Investment Capital Minimum and Investment Return on Investment Interest in Capital Market Study in Faculty of Economics and Business University of Mataram Student. This type of research is a associative research with quantitative methods. The sample in this study was obtained by cluster sampling method. Based on the existing criteria, there were 60 student of Faculty Economics and Business which is the sample in this study is 36 Accounting Student, 18 Management student and 6 Economics Student that became the study sample. The data source used in this study is primary data, the data analysis technique used is multiple linear regression. The results showed that the Investment Knowledge, Investment Motivation and Investment Minimum Capital whose coefficients are positive but have no significant effect on Investment Interest. Other variable in this research Investment Benefits and Investment Return coefficient was positive and significant towards the Investment Interest. Based on the results of the F test showed that the feasibility in the model obtained a significance value of 0,000 <0.05, indicating that the test model is feasible to be used in research. The predictive ability of the five variables on the Investment Interest of 50.5% as shown by the size of the adjusted R square of 0.505 while the remaining 49.5% is explained by other factors not included in the research model.
This study aims to determine the effect of Capital Adequacy proxied with Capital Adequacy Ratio (CAR), Liquidity proxied by Loan to Deposit Ratio (LDR), and Credit Risk proxied by Non Performing Loans (NPL) toward Profitability proxied by Return on Asset (ROA). Population in this study are banking companies listed on the Indonesia Stock Exchange (IDX) 2015-2017. The technique of determination of the sample using the method of purposive sampling and obtained 27 banking companies with a research period of three years to obtain 81 units of samples. Data analysis was done using Microsoft Excel 2010 and hypothesis testing in this research using Data Panel Regression Analysis with the E-Views 9.0 program and a significance level of 5%. The results of the research shows that (1) capital adequacy (CAR) has a significant positive effect on profitability (ROA), (2) liquidity (LDR) has a positive and significant effect on profitability (ROA), (3) credit risk (NPL) has a negative effect and significant to profitability (ROA).
The purpose of this research is to find out the economic impact of the Covid-19 Pandemic on the people of NTB. Community life has changed since the implementation of Large-Scale Social Restrictions (PSBB) by the Government. These changes are felt in various areas of the economy, namely income, employment, expenditure and the purchasing system carried out by the community. This research uses descriptive quantitative method. Descriptive research is research conducted with the aim of describing the conditions that took place when the research was conducted. Thus this research is able to clearly portray the economic impact experienced by the people of NTB due to the Covid-19 pandemic. Data collection is carried out using the Google Form tool which is distributed through various existing social media facilities, such as WhatsApp Groups, Facebook, and Twitter. The data scale used is the Likert Scale. Respondents in this study were individuals, namely the people of West Nusa Tenggara. The sample used in this study were 342 respondents. The results showed that most respondents felt the impact of the Covid 19 pandemic from an economic perspective. This is indicated by the answers of respondents who mostly stated that their income received had decreased but could still meet their daily needs, limited employment opportunities, increased expenditure and was dominated by the purchase of foodstuffs. Purchases made online are the choice of respondents. The conclusion of this study shows that this pandemic has a significant effect on people's lives, both those with civil servant and non-PNS backgrounds and those who live in rural and urban areas.
This research is using a descriptive quantitative study that aims to see and analyze the influence of financial literacy, financial inclusion, and financial technology on the financial behavior of SMEs in Sekupang District. This research uses a sample of 54 MSME actors in Sekupang District, Batam City. Smart PLS 3.0 Software are used on the Hypothesis testing and data processing to achieved number that can be analyze. The results obtained from the examiners are there is a significant effect of financial literacy on financial behavior, there is no significant effect of financial inclusion on financial behavior, there is no significant effect of financial technology on financial behavior.
The success of mobile money in countries such as the Philippines and Kenya has inspired Mobile Network Operators (MNOs) in Indonesia to provide similar services. T-Cash, the first mobile money scheme in Indonesia, was launched in 2007 by Telkomsel, the country's biggest MNO. As of July 2011, three MNOs in Indonesia have been granted licenses from Bank Indonesia as e-money issuers and mobile money providers: Telkomsel, Indosat, and Exelcom. However, the last two companies are still in the early stages of development.With regard to financial inclusion, mobile money has played a significant role in other developing countries as a means of making payments and sending (transferring) money, which can serve low-income and unbanked people. It can also reach people in remote areas who have limited access to formal financial services. Though providing access to mobile money does not unilaterally achieve financial inclusion, it can be considered a crucial step leading up to the next level of financial services: savings, credit, and other services.Four years after Bank Indonesia granted the first mobile money license to an MNO, the level of mobile money usage in Indonesia remains quite low. This policy memo seeks to understand why the number of mobile money users and transactions in Indonesia, as compared to the number of mobile phone subscribers, remains so low. This is probably caused by several factors; this memo will focus on whether the number of mobile money agents is a major constraint to mobile money adoption in Indonesia and how Bank Indonesia's own policies can encourage the growth of the agent network and the greater adoption of mobile money services.
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.