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Any, Widayatsari
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Journal : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi

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PENGARUH INFLASI, EKSPOR, DAN PEMBAYARAN CICILAN UTANG LUAR NEGERI TERHADAP CADANGAN DEVISA INDONESIA TAHUN 2004-2019 Fitri, Kholifah; Anthony, Mayes; Any, Widayatsari
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi Vol 7, No 2 (2020): (Juli - Desember 2020)
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi

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Abstract

This research aims to know how the influence of inflation, exports, and payments of foreign debt installments on foreign exchange reserves in Indonesian in 2004-2019. This research uses independent variables of Inflation, Exports, and Payments of Foreign Debt Installments and dependent variable is Foreign Exchange Reserves in Indonesian. The data used in this research is annual data from 2004-2019. The analytical method used is descriptive quantitative and analyzed partially or simultaneously with multiple linear regression OLS (Ordinary Least Square) processed by using E-Views 10. The results show that, inflation, exports, and payments of foreign debt installments has a significant effect on foreign exchange reserves in Indonesian in 2004-2019. Meanwhile, inflation has a significant negative effect on foreign exchange reserves in Indonesian, exports has significant positive effect on foreign exchange reserves in Indonesian, and payments of foreign debt installments has no signifikan positive effect on foreign exchange reserves in Indonesian. In addition, it was found that the value of adjusted R2 is 84,37%%.Keywords: Foreign Exchange Reserves, Inflation, Exports, Payments of Foreign Debt Installments
PENGARUH KREDIT USAHA RAKYAT TERHADAP PENDAPATAN UMKM (STUDI KASUS PADA USAHA MIKRO BINAAN BANK BRI CABANG TAMPAN PEKANBARU TAHUN 2014 (TW 1) – 2018 (TW 4) Selfani, Rizki Sasqia; Anthony, Mayes; Any, Widayatsari
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi Vol 7, No 2 (2020): (Juli - Desember 2020)
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi

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Abstract

This study aims to determine the effect of people's business credit onUMKM income (case study on BRI Micro Business Guiding Bank BRI HandsomeBranch in 2014 (Tw 1) - 2018 (Tw 4)). The method used in this research isdescriptive and quantitative methods. The analytical model used is nonparametricstatistics, nonparametric statistics consist of several parts, namely Paired SampleTTest. This test is used to determine whether there is an average differencebetween two groups of samples that are paired (related), which means a sample buthas two different treatments. Based on the results of research about the Effect ofGiving People's Business Credit (KUR) PT Bank BRI Pekanbaru HandsomeBranch Against Micro and Small Business Revenues (UMK) in the District ofTampan it can be concluded that there are differences in MSME income before andafter the Bank BRI People's Business Credit Handsome Branch Pekanbaru Year2014 (Tw 1) - 2018 (Tw 4).Keywords: Provision of People's Business Credit (KUR), BRI Bank, HandsomePekanbaru Branch
PENGARUH UTANG LUAR NEGERI, PENANAMAN MODAL ASING LANGSUNG DAN INVESTASI PORTOFOLIO TERHADAP NILAI TUKAR RUPIAH DI INDONESIA TAHUN 2005-2019 Wanda, Julio; Any, Widayatsari; Darmayuda, Darmayuda
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi Vol 7, No 2 (2020): (Juli - Desember 2020)
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi

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This research alms to determine how much influence foreign debt, foreign direct investment and portfolio investment on the rupiah exchange rate in Indonesia. This research uses independen variables of foreign debt, foreign direct investment and portfolio investment, dependent variable is rupiah exchange rate. The data used in this research is annual data from 2005-2019. The analitical method used is descriptive quantitative and analized partially or simultaneously with multiple linear regression OLS (Ordinal Least Square) processed by using E-Views 11. The result shows that, foreign debt, foreign direct investment and portfolio investment has a significant effect on the rupiah exchange rate simultaneously. Meanwhile, foreign debt has a significant positive effect on the rupiah exchange rate, foreign direct investment has a significant negative effect on the rupiah exchange rate and portfolio investment has a positive insignificant effect on the rupiah exchange rate. In addition, it was found that the value of adjusted is 81,13%.Keywords: Rupiah Exchange Rate, Foreign Debt, Foreign Direct Investment, Portfolio Investment
PENGARUH SUKU BUNGA KEDIT KONSUMSI, PENDAPATAN DAN INFLASI TERHADAP PERMINTAAN KREDIT KONSUMSI PADA BANK PERKREDITAN RAKYAT DI PROVINSI RIAU TAHUN 2008-2019 Wa, Ratnasari Dessy; Any, Widayatsari; Hendro, Ekwarso
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi Vol 7, No 2 (2020): (Juli - Desember 2020)
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi

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This research aims to determine the effect of interest rate of consumption credit, income and inflation to consumption credit demand on Rural Banks in Riau Province. The method used is descriptive quantitative and analyzed simultaneously and partially with OLS (ordinary least square) multiple linear regression. The result of this study shows simultaneously variable of interest rate of consumption credit, income and inflation give significant effect to consumption credit demand on Rural Banks in Riau Province. Partially, interest rate of consumption has negative and significant on consumption credit, income has positive and significant on consumption credit, however inflation has negative and insignificant on consumption credit. Value of determination coefficient shows that interest rate of consumption credit, income and inflation has effect to the consumption credit demand to 75,46% and the remaining 24,54% in effected by other factors outside this research.Keywords: Interest Rate of Consumption Credit, Income, Inflation, Credit of Consumption
PENGARUH SUKU BUNGA OBLIGASI, IHSG, DAN PDB PERKAPITA TERHADAP PERMINTAAN OBLIGASI KORPORASI DI INDONESIA TAHUN 2004-2019 Yoga, Syaputra Dwi; Syapsan, Syapsan; Any, Widayatsari
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi Vol 7, No 2 (2020): (Juli - Desember 2020)
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi

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This study aims to determine how much influence the interest rates of bonds, IHSG and GDP per capita on demand for corporate bonds. This study uses an independent variable consisting of interest rates on bonds, IHSG and GDP per capita, with the dependent variable which is the demand for corporate bonds in Indonesia The data used in this study are annual data from 2004-2019. The analytical method used is descriptive quantitative and analyzed partially or simultaneously with multiple linear regression OLS (Ordinary Least Square) approach which is processed using E-Views version 9. From the test results show that the interest rates on bonds, IHSG, and GDP per capita together have a significant effect on demand for corporate bonds in Indonesia. Meanwhile, bond interest rates have a positive and significant effect on demand for corporate bonds, ihsg has a positive and significant effect on demand for corporate bonds in Indonesia and per capita GDP has a negative and not significant effect on demand for bonds in Indonesia. In addition, the value of adjusted R 2 was 89.22%.Keywords: Carporate Bond, Interest Rate Bond, Ihsg, GDP per Capita
PENGARUH INFLASI, EKSPOR, DAN PEMBAYARAN CICILAN UTANG LUAR NEGERI TERHADAP CADANGAN DEVISA INDONESIA TAHUN 2004-2019 Fitri, Kholifah; Anthony, Mayes; Any, Widayatsari
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi Vol 7, No 2 (2020): (Juli - Desember 2020)
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi

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Abstract

This research aims to know how the influence of inflation, exports, and payments of foreign debt installments on foreign exchange reserves in Indonesian in 2004-2019. This research uses independent variables of Inflation, Exports, and Payments of Foreign Debt Installments and dependent variable is Foreign Exchange Reserves in Indonesian. The data used in this research is annual data from 2004-2019. The analytical method used is descriptive quantitative and analyzed partially or simultaneously with multiple linear regression OLS (Ordinary Least Square) processed by using E-Views 10. The results show that, inflation, exports, and payments of foreign debt installments has a significant effect on foreign exchange reserves in Indonesian in 2004-2019. Meanwhile, inflation has a significant negative effect on foreign exchange reserves in Indonesian, exports has significant positive effect on foreign exchange reserves in Indonesian, and payments of foreign debt installments has no signifikan positive effect on foreign exchange reserves in Indonesian. In addition, it was found that the value of adjusted R2 is 84,37%%.Keywords: Foreign Exchange Reserves, Inflation, Exports, Payments of Foreign Debt Installments
PENGARUH SUKU BUNGA DEPOSITO, PRODUK DOMESTIK BRUTO (PDB) PERKAPITA DAN KURS TERHADAP OBLIGASI RITEL INDONESIA (ORI) Maringan, Aritonang; Rosyetti, Rosyetti; Any, Widayatsari
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi Vol 7, No 2 (2020): (Juli - Desember 2020)
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi

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Abstract

Indonesian Retail Bonds or commonly referred to as ORI is the state bondsissued by the Indonesian government that is sold to private persons or individualscitizens of Indonesia through a selling agent. With the aim of expanding theinvestor base in the country, as an alternative investment instruments to retailinvestors, to support the stability of the domestic financial market, support thecreation of community oriented mid and long-term investment, and realize theideals of self reliance in development financing. Bond investors are in greatdemand because it is safe (low risk). However, in addition to seeking safe,investors also expect a maximum return. This study aims to analyze how depositrates, per capita gross domestic product, and exchange rate affect the IndonesianRetail Bonds demand. The types of data used in this study was a time series datafrom 2006 to 2018 which were sourced from Bank Indonesia and Badan PusatStatistik. This study used quantitative research methods, and analyzed by usingmultiple linear regression analysis by using EViews 10 software program forWindows computers. The result showed the variable Deposito Interest Rate, PerCapita Gross Domestic Product, and Exchange Rate at once / simultaneously hada significant influence on Indonesian Retail Bonds Demand. The individual test /partial showed that Per Capita Gross Domestic Product and Exchange Rate hadpositive influence and significantly on Indonesian Retail Bonds Demand. WhileDeposito Interest Rate had negative influence and significantly on the demand forIndonesian Retail Bonds. Ability prediction of independent variable to explain thedependent variabel with value of adjusted R square equal 0,950919. This meanthat total effect from three independent variabel to dependent variabel is 95.1%while the remaining 4,9% is explained by other variables not included in thisstudy.Keyword : Indonesian Retail Bonds, Deposit Rate, Gross Domestic Product, andExchange Rate.
PENGARUH TOTAL ASET DAN FINANCING TO DEPOSITO RATIO (FDR) TERHADAP EMBIAYAAN BANK UMUM SYARIAH DI INDONESIA PRIODE 2015-2019 Mohamad, Iskandar Fadly; Any, Widayatsari; Rahmat Richard, Rahmat Richard
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi Vol 7, No 2 (2020): (Juli - Desember 2020)
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi

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Abstract

This study aims to determine the effect of Total Assets and Financing to Deposit Ratio (FDR) on financing at Islamic commercial banks in Indonesia. This study uses secondary data from BUS sharia financial reports published by the Financial Services Authority (OJK) in the form of quarterly from January 2015 to December 2019. The method used in this study is to use the classical assumption test method, multiple linear regression analysis and using the test t or partial test and F test or simultaneous test. The results showed that the variable Total Assets and Financing to Deposit Ratio (FDR) affected the financing where the Sig value on the Total Assets and FDR variables was 0.011 and 0.000 <0.05 and had a tcount of 2.844 and 4.601> ttable of 2.1098 where partially a positive and significant effect on financing. While simultaneously all variables have a sig value of 0,000 where sig value <0.05 and Fcount value of 177.882 where> Ftable value of 3.59, meaning that together the variable total assets and FDR significantly influence the Financing of Sharia Commercial Banks in Indonesia .Keywords: Total Assets, Financing to Deposit Ratio (FDR), Financing
PENGARUH INFLASI, EKSPOR, DAN PEMBAYARAN CICILAN UTANG LUAR NEGERI TERHADAP CADANGAN DEVISA INDONESIA TAHUN 2004-2019 Fitri, Kholifah; Anthony, Mayes; Any, Widayatsari
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi Vol 7, No 2 (2020): (Juli - Desember 2020)
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research aims to know how the influence of inflation, exports, and payments of foreign debt installments on foreign exchange reserves in Indonesian in 2004-2019. This research uses independent variables of Inflation, Exports, and Payments of Foreign Debt Installments and dependent variable is Foreign Exchange Reserves in Indonesian. The data used in this research is annual data from 2004-2019. The analytical method used is descriptive quantitative and analyzed partially or simultaneously with multiple linear regression OLS (Ordinary Least Square) processed by using E-Views 10. The results show that, inflation, exports, and payments of foreign debt installments has a significant effect on foreign exchange reserves in Indonesian in 2004-2019. Meanwhile, inflation has a significant negative effect on foreign exchange reserves in Indonesian, exports has significant positive effect on foreign exchange reserves in Indonesian, and payments of foreign debt installments has no signifikan positive effect on foreign exchange reserves in Indonesian. In addition, it was found that the value of adjusted R2 is 84,37%%.Keywords: Foreign Exchange Reserves, Inflation, Exports, Payments of Foreign Debt Installments
PENGARUH KREDIT USAHA RAKYAT TERHADAP PENDAPATAN UMKM (STUDI KASUS PADA USAHA MIKRO BINAAN BANK BRI CABANG TAMPAN PEKANBARU TAHUN 2014 (TW 1) – 2018 (TW 4) Selfani, Rizki Sasqia; Anthony, Mayes; Any, Widayatsari
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi Vol 7, No 2 (2020): (Juli - Desember 2020)
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to determine the effect of people's business credit onUMKM income (case study on BRI Micro Business Guiding Bank BRI HandsomeBranch in 2014 (Tw 1) - 2018 (Tw 4)). The method used in this research isdescriptive and quantitative methods. The analytical model used is nonparametricstatistics, nonparametric statistics consist of several parts, namely Paired SampleTTest. This test is used to determine whether there is an average differencebetween two groups of samples that are paired (related), which means a sample buthas two different treatments. Based on the results of research about the Effect ofGiving People's Business Credit (KUR) PT Bank BRI Pekanbaru HandsomeBranch Against Micro and Small Business Revenues (UMK) in the District ofTampan it can be concluded that there are differences in MSME income before andafter the Bank BRI People's Business Credit Handsome Branch Pekanbaru Year2014 (Tw 1) - 2018 (Tw 4).Keywords: Provision of People's Business Credit (KUR), BRI Bank, HandsomePekanbaru Branch
Co-Authors Anthony, Mayes Darmayuda, Darmayuda Fitri, Kholifah Hendro, Ekwarso Maringan, Aritonang Mohamad, Iskandar Fadly Nanda, Zuliyan Desvani Rabiatul, Kaswina Irya Rahmat Richard, Rahmat Richard Rita, Iyan Yani Rosyetti, Rosyetti Selfani, Rizki Sasqia Shinta, Sulistyani Indah Syapsan, Syapsan Wa, Ratnasari Dessy Wanda, Julio Yoga, Syaputra Dwi