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Any, Widayatsari
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Economics, Econometrics & Finance

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FAKTOR-FAKTOR YANG MEMPENGARUHI PENYALURAN KREDIT MODAL KERJA PADA BANK UMUM DI PROVINSI RIAU PERIODE 2009-2019 Nanda, Zuliyan Desvani; Hendro, Ekwarso; 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 far Third Party Funds, Non-Performing Loans, and BI interest rates affecting the optimal distribution of Working Capital Loans at Public Banks in Riau Province during the period 2009 to 2019. This study uses independent variables of Third-Party Funds, bad loans risk or Non Performing Loans, and BI Interest Rate,and dependent variable is distribution of Working Capital Loansat Public Banks in Riau Province during the period 2009 to 2019. The data used in this research is quarter data from Q.1 2008-Q.42019. Data analysis techniques that used in this study is a multiple linear regression analysis or Ordinary Least Square (OLS), while hypothesis testing uses t-test to partially test the influence of variables and the F-test to test the effect of variables simultaneously with a significance level of 5%. The results of statistical tests with the - F test show that Third Party Funds, Non Performing Loans, and BI interestrates affect simultaneously or jointly on the distribution of Working Capital Loans at Public Banks in Riau Province period 2009-2019. While the results of statistical tests with the t-test show that the Third Party Funds variable have a significant positive effect on the distribution of Working Capital Loans, the Non Performing Loans variable does not affect the distribution of Working Capital Loans, and the BI interest rates variable have a significant negative effect on the distribution of Working Capital Loans.Keywords: : Distribution of Working Capital Loans, Public Banks, Third Party Funds, Non Performing Loans, and BI Interest Rates.
PENGARUH DANA PIHAK KETIGA (DPK), NON PERFORMING LOAN (NPL), DAN INFLASI TERHADAP PENYALURAN KREDIT UMKM PADA PERBANKAN DI PROVINSI RIAU PERIODE 2014.QI-2019.QIV Shinta, Sulistyani Indah; Rita, Iyan Yani; 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 determines the influence of Third Party Funds (TPF), Non Performing Loan (NPL), and Inflation to MSME Credit Distribution on Banks in Riau Province period 2014.QI-2019.QIV. The data used in this study are quarterly data from 2014 to 2019. The analytical method used is descriptive quantitative and analyzed with multiple linear regression model of Ordinary Least Square (OLS) approach using the tools of the computer statistical program Eviews version 10. The research results obtained are TPF, NPL and inflation together (simultaneously) affect the distribution of MSME Credit with a significance level of 5%. Partially, TPF have a positive and significant effect on MSME Credit Distribution, Inflation have a negative and significant effect on MSME Credit Distribution, while NPL has a negative and not significant effect on MSME Credit Distribution. Variations of factors that affect MSME Credit Distribution are explained by the TPF, NPL, and inflation together have an effect of 83,48% (adjusted R2 = 0.8348) while the remaining 16,52% is explained by other variables not included in this study.Keywords: TPF, NPL, Inflation, and MSME Credit Distribution
ANALISIS LITERASI DAN INKLUSI PERBANKAN SYARIAH PADA MAHASISWA/I STRATA-1 FAKULTAS EKONOMI DAN BISNIS UNIVERSITAS RIAU Rabiatul, Kaswina Irya; 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

This research aims to know at Islamic banking literacy in Strata-1 students of the Faculty of Economics and Business, University of Riau, to know the inclusion of Islamic banking in Strata students of the Faculty of Economics and Business, University of Riau, and to know the relationship between banking literacy and inclusion syariah for Strata-1 students of the Faculty of Economics and Business, University of Riau. This research used Slovin techniques and simple random sampling, so 100 samples were selected. The analytical method used in this research is quantitativee descriptive method and Pearson correlation analysis with the help of SPSS statistical tools. 24. The results of this study indicate that Islamic banking literacy in Strata-1students of the Faculty of Economics and Business, University of Riau is in the sufficient literate category, namely 74,61%, the inclusion of Islamic banking in Strata-1 students of the Faculty of Economics and Business, University of Riau is at medium category by 54%, and based on the test based on what has been done it can be seen that there is a significant positive relationship between Islamic banking literacy and Islamic banking inclusion.Keywords: Islamic banking literacy, Islamic banking inclusion.
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