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Journal : Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences

Criminal Law Policy in Efforts to Combat Narcotics Crimes by Minors Musran Musran; Hamdan Azhar Siregar
Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences Vol 4, No 4 (2021): Budapest International Research and Critics Institute November
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v4i4.2696

Abstract

This study aims to examine the effect of Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL), Loan to Deposit Ratio (LDR), and Operating Costs on Operating Income (BOPO) on the profitability of Commercial Banks.  The population used in this study is Bank BRI in 2009-2018.  The data in the study were obtained from the financial statements in 2009-2018.  The analytical method used is multiple linear analysis with the classic assumption test which includes autocorrelation test, multicollinearity test, and heteroscedasticity test using SPSS version 25.0 for windows. The results showed that the variables CAR, NPL, LDR, and OEOI affect the profitability of Bank BRI. The objective of this research is to identify the effect of capital adequacy ratio (CAR), non-performing loan (NPL), loan to deposit ratio (LDR), and operational costs for operating income (BOPO) on commercial bank profitability. People's Bank of Indonesia/State-Controlled Bank (Bank BRI) was utilized as the population for this study from 2009 to 2018. Financial statements from 2009 to 2018 were used to collect data for the study. Multiple linear analysis with classical assumption tests was utilized to conduct the analysis, which included autocorrelation, multicollinearity, and heterocedasticity tests. SPSS version 25.0 for Windows was used to assist with the analysis. The findings indicated that CAR, NPL, LDR, and BOPO all had an effect on the profitability of a People's Bank of Indonesia/State-Controlled Bank (Bank BRI).
Implementation of the Partnership System in Improvement Competitiveness of Cooperative Business in Pasir Jambu Village, Pasir Jambu District, Bandung Regency Hamdan Azhar Siregar; Otom Mustomi
Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 5, No 2 (2022): Budapest International Research and Critics Institute May
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v5i2.5489

Abstract

Cooperatives in Indonesia through a partnership system are felt to be increasingly urgent to implement if it is considered that the indications of the country's economy are not yet optimal. Because it has not been maximized, it is very important to immediately improve the business climate in order to create a conducive and healthy economic climate. The problems in this research are, How is the implementation of partnerships in increasing the competitiveness of cooperative businesses, especially in Pasirjambu village, Pasirjambu district, Bandung district. What factors hinder the development of cooperatives in Pasirjambu village, Pasirjambu district, Bandung, while the purpose of this study is to know and analyze how the implementation of the partnership system in increasing the competitiveness of cooperative businesses, especially in Pasirjambu village, Pasirjambu district, Bandung district. In this study, the method used was the empirical normative legal research method, namely research conducted by conducting secondary research first and then proceeding with conducting research on primary data in the field. Results and discussion the creation of such an economic climate allows economic activity to develop. Evenly, both investment activities, production and distribution activities as well as other economic activities. The role of the law is very important to create certainty in the legal relationship of the parties who enter into a partnership, therefore the law must be able to encourage and be able to provide legal certainty in increasing competitiveness. In increasing competitiveness in the form of partnerships without a definite rule of law, the relationship between the two parties suffers from setbacks and uncertainty. Conclusion The perspective of partnership implementation, based on legal aspects that can provide justice, with the aim of empowering small businesses, cooperatives in nation building, namely equitable development, employment and business opportunities, income distribution, and increasing business capacity, increasing competitiveness, increasing exports, equitable ownership business and strengthen the structure of the national economy. Through the national business partnership movement, all development actors will jointly renew their determination to mobilize all potentials and strengths to accelerate the rate of growth of the just Indonesian nation.