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All Journal Accounting and Business Journal
Sari, Warsani Purnama
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education

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Journal : Accounting and Business Journal

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THE EFFECT OF TOTAL SAVINGS, AMOUNT OF DEPOSITS, AND INTEREST RATE ON THE AMOUNT OF CREDIT PROVIDED BY PT. BPR MITRADANA MADANI MEDAN Sari, Warsani Purnama; Lores, Linda; Bizlanie, Tizka
Accounting and Business Journal Vol 3 No 1 (2021): ACCOUNTING AND BUSINESS JOURNAL
Publisher : Lembaga Jurnal & Seminar Universitas Pembangunan Panca Budi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54248/abj.v3i1.1224

Abstract

This study aims to determine the effect of the amount of savings, amount of deposits, and interest rates on the amount of credit at PT. BPR Mitradana Madani Medan, either partially or simultaneously. This type of research is an associative study. The type of data used in this research is quantitative data and the data source in this study is secondary data. The sample in this study is the total amount of savings, deposits, credit and average of interest rates per month for the period August 2014-August 2018. The techniques that researchers do to collect the data needed in the study are observation and study documentation. The data analysis technique used in this study is analysis multiple regression. The results of this study indicate that the variable amount of savings (X1) partially has a significant positive effect on the amount of credit (Y). While the variable amount of deposits (X2) has no positive and no significant effect on the amount of credit (Y). And the interest rate variable (X3) partially has a significant negative effect on the amount of credit (Y). And based on the F test, simultaneously the amount of savings, amount of deposits, and interest rates have a positive and significant effect on the amount of credit given by PT. BPR Mitradana Madani Medan.
The Effect Of Financial Literacy And Inclusion Finance On Msme Performance (Case Study On Msmes Medan Districtsandpaper) Sari, Warsani Purnama; Prayudi, Ahmad; Ramadani, Mawaddah; Pribadi, Teddi
Accounting and Business Journal Vol 6 No 1 (2024): ACCOUNTING AND BUSINESS JOURNAL
Publisher : Lembaga Jurnal & Seminar Universitas Pembangunan Panca Budi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54248/abj.v6i1.4807

Abstract

The study purpose to analyze the influence of financial literacy and financial inclusion on the performance of MSMEs in Medan Amplas District, both partially and simultaneously. The type of research used in this research is quantitative research using an associative approach. The population and sample in this research were 107 MSMEs in Medan Amplas District. The type of data used in this research is quantitative data. The data source used in this research is primary data. The data collection method used in this research is a questionnaire. The data analysis method used is multiple linear regression analysis using the SPSS (Statistical Program For Social Science) technique version 17. The research results show that partially and simultaneously financial literacy and financial inclusion have a positive and significant effect on the performance of MSMEs in Medan Amplas District.
Co-Authors Bizlanie, Tizka Lores, Linda Prayudi, Ahmad Pribadi, Teddi Ramadani, Mawaddah