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All Journal Jurnal Ilmiah Manajemen Kesatuan Jurnal Aplikasi Bisnis Kesatuan
Silaen, Uluan
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Analisis Pengaruh Risiko Kredit dan Risiko Operasional Terhadap Profitabilitas Bank Utami, Utami; Silaen, Uluan
Jurnal Ilmiah Manajemen Kesatuan Vol 6 No 3 (2018): JIMKES Edisi Desember 2018
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v6i3.293

Abstract

Banks are business entities that collect funds from the public in the form of deposits and channel them to the public in the form of credit and / or other forms of improving the standard of living of the people. This study aims to determine the effect of credit risk and operational risk on profitability. Profitability ratios measured using return on asset assets and credit risk and operational risk are measured by non-performing loans (NPL) and BOPO. Data obtained from published financial statements published by Bank Indonesia with a period of time from 2008 to 2017. The sampling technique used in this study was purposive sampling. The number of samples is 3 banking companies listed on the Indonesia Stock Exchange. The analytical method that will be used in this study is multiple linear regression to obtain a comprehensive picture of the relationship between one variable and another. Based on hypothesis testing using statistical t test and f test the results of the research show that Non Performing Loans (NPL) have a significant effect on Profitability, while BOPO does not have a significant effect on Profitability and simultaneously there is a significant influence of Non Performing Loans (NPL) and BOPO on Profitability. Keywords: Non Performing Loan (NPL), BOPO and Return on Assets (ROA)
Pelaksanaan Pemberian Kredit Angsuran Sistem Gadai Pada Pt. Pegadaian (Persero) Upc Mall Merdeka Bogor Triana, Elis; Silaen, Uluan; Hernusa, Hardini Lestiani
Jurnal Aplikasi Bisnis Kesatuan Vol 1 No 2 (2021): JABKES Edisi Desember 2021
Publisher : Program Vokasi dan LPPM IBI Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jabkes.v1i1.789

Abstract

Krasida adalah pemberian Kredit dengan angsuran bulanan untuk keperluan konsumtif dan produktif dengan jaminan emas yang menjadi solusi tepat mendapatkan fasilitas kredit dengan cara cepat, mudah dan murah. Tujuan penelitian ini adalah untuk mengetahui seperti apa pelaksanaan dalam pemberian kredit angsuran sistem gadai (krasida) pada PT Pegadaian UPC Mall Merdeka dengan mengetahui apa saja syarat – syarat yang harus dipersiapkan oleh calon nasabah agar bisa melakukan pengajuan kredit ini, mengetahui bagaimana mekanisme pemberian kredit angsuran sistem gadai (krasida) pegadaian, mengetahui kendala apa saja yang di hadapi pegadaian dalam pelaksanaan pemberian kredit angsuran sistem gadai (krasida) dan bagaimana solusi yang diberikan. Hasil penelitian menunjukkan bahwa pelaksanaan atas pemberian kredit angsuran sistem gadai (krasida) pada PT Pegadaian UPC Mall Merdeka sangat cepat, mudah, dan murah bagi nasabah dan calon nasabahnya. Keywords : krasida , pelaksanaan pemberian kredit.
Co-Authors Elis Triana, Elis Hernusa, Hardini Lestiani Utami Utami