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All Journal Dinamika Akuntansi Keuangan dan Perbankan Jurnal Ilmiah Telaah Manajemen Proceeding Fakultas Ekonomi Kompak : Jurnal Ilmiah Komputerisasi Akuntansi Jurnal Mahasiswa Pasca Sarjana Students´ Journal of Accounting and Banking Students´ Journal of Economic and Management Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan Proceeding SENDI_U Journal of Economic, Bussines and Accounting (COSTING) SEIKO : Journal of Management & Business Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Manajemen dan Usahawan Indonesia
Gregorius Masdjojo
Universitas Stikubank Semarang
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Social Sciences

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FAKTOR-FAKTOR YANG MEMPENGARUHI RENTABILITAS PADA BPR DI KABUPATEN BLORA Octa Artarina, 09.05.52.0010; Masdjojo, Gregorius N.
Students Journal of Accounting and Banking Vol 2, No 1 (2013): VOL. 2 NO. 1 EDISI PERTAMA 2013
Publisher : Students Journal of Accounting and Banking

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Abstract

This aim of this research is to examine the influance of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Operating Expanse to Operational Earnings (OEOE), Non Performing Loan (NPL) to the charge of Rentability wich is proxy by Return On Assets (ROA). This research uses purposive sampling method and three banks which is comply with the criteria. During research period show as data research was normally distributed. Besed on multicolineary test, heteroscedasticity test and autocorrelation test variable digressing of classic assumption has not founded, its indicate that the available data has fulfill the condition to use multi linier regression model. Based on testing performed all the classical assumptions show the result of regression equation has assumption of normality, noproblem multikolonieritas, heterocedastity and autocorrelation. The result of analysis with t-statistical test showed that partially LDR have an positive significant impact on ROA with a significance level less than 0,05 (0,004). BOPO have an negative significant impact on ROA with a significance level less than 0,05 (0,000). While CAR, and NPL doesn’t significantly with each level of significance 0,050 and 0,535 greater than 0,05.Simultaneously based on test result of the F-Statistic variable CAR, LDR, BOPO, and NPL proved significant effect on ROA banks at significance level of 0,000 less than 0,05. Adjusted R2 value 0f 0,51 indicates predictive ability of thefive variables on ROA is 51% and the remaining 49% influence by other factors beyond the research model. Keywords: Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Operating Expanse to Operational Earnings (OEOE), Non Performing Loan (NPL) and Return on Asets (ROA).
ANALISIS RASIO KEUANGAN DALAM MEMPREDIKSI PERTUMBUHAN LABA PADA BPR MILIK PEMDA KABUPATEN KOTA JATENG DIY PERIODE 2011-2012 Riswati, 10.05.52.0012; Masdjojo, Gregorius N.
Students Journal of Accounting and Banking Vol 3, No 1 (2014): vol. 3 no. 1 edisi april 2014
Publisher : Students Journal of Accounting and Banking

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This study aims to determine the financial ratio analysis to predict profit growt in local government owned Rural Bank district of Central Java DIY on the periods 2011-2012. Variabel independent in this study consists of the Capital Adequacy Ratio (CAR), Non Performing Loans (NPL), Net Interest Margin (NIM), Operational Efficiency (BOPO), Liquidity (LDR). Dependent variable in this research is earnings growth. The sample used in this study is 28 banks PD BPR Java and PD BPR DIY for 2 periods (2011-2012). Sample taken using purposive sampling. Methods of analysis used in this study is the method of multiple regression analysis. The results of this study indicate that the variable CAR had no effect on earning growth, BOPO effect on earning growth, NIM effect on earning growth, NPL has no effect on earnings growth, and LDR has no earning growth.Keywords: CAR, BOPO, LDR, NPL, NIM,  Profit growth 
PENGARUH CAPITAL ADEQUACY RATIO (CAR), PERFORMING LOAN (NPL), ANTAR BANK PASIVA (ABP), DAN DANA PIHAK KETIGA (DPK) TERHADAP PENYALURAN KREDIT PD BPR JAWA TENGAH Vhaffrixca Aiffani, 10.05.52.0096; Masdjojo, Gregorius N.
Students Journal of Accounting and Banking Vol 3, No 1 (2014): vol. 3 no. 1 edisi april 2014
Publisher : Students Journal of Accounting and Banking

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Bank is the financial institution possessing function as the financial intermediary. Bank accepts the money savings from the society and then redistributes them upon the credit. The credit distribution creates opportunity to complete investment, distribution, and also the consumption of good and service, considering that the entire activities are related to the money usage. This research uses PD BPR in Central Java in 2012 (by annual). The analysis technique used is doubled linier regression, whereas the hypothesis test uses t-test to examine the variable influence jointly upon the significance level of 5%. Based upon the research, there is a result that the Capital Adequacy Ratio (CAR) has a positive and not significant effect, the Non-Performing Loan (NPL) has no effect on bank lending. While Interbank Liabilities (ABP) and Third Party Funds (DPK) a significant positive effect on lending PD BPR. To increase lending should perform optimally fund raising, optimizing the usability of financial resources (capital) owned, and have a good credit management that NPLs are in a low level and within the limits required by Bank Indonesia.Keywords: the banking credit distribution, Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Interbank Liabilities (ABP), and Third Party Funds (DPK) 
KAJIAN FAKTOR-FAKTOR YANG MEMPENGARUHI PENYALURAN KREDIT PERBANKAN: STUDI KASUS PADA PD. BPR DI JAWA TENGAH PERIODE 2011-2012 Umirotul Fauziah, 10.05.52.0127; Masdjojo, Gregorius N.
Students Journal of Accounting and Banking Vol 3, No 2 (2014): Vol. 3 No. 2 Edisi Oktober 2014
Publisher : Students Journal of Accounting and Banking

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This research aims to analyze factors which affect the Credit that granted by bank, especially in Regional Rural Banks Company, Central Java. These factors include the Customer Saving, Capital Adequacy Ratio, Non Performing Loan and the Inter-bank Liabilities. In this study, researchers used purposive sampling and obtain samples of 24 banks. The data used in the form of quarterly financial statements. The method used in the estimation is panel data regression analysis. software used in the data processing is Eviews 7.0. The results of the panel data estimation using Fixed Effect method (FEM) indicates that the customer saving positive and significant effect on the Credit, Capital Adequacy Ratio  has significant negative effect on Credit, while the Non Performing Loan and Inter-bank liabilities Loans has not significant effect on the PD BPR in Central Java, 2011-2012. Keywords: Customer Saving, Capital Adequacy Ratio, Non-Performing Loans, Inter-Bank Liabilities and Credit
PENELUSURAN FLYPAPER EFFECT PADA BELANJA OPERASI DAN BELANJA MODAL PEMERINTAH KOTA DI INDONESIA PERIODE 2010-2012 Endah Purbarini, 12.42.02.0038; Masdjojo, Gregorius N
Jurnal Mahasiswa Pasca Sarjana 2014: PERIODE PERTAMA 2014
Publisher : Jurnal Mahasiswa Pasca Sarjana

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This research aims to analyze the possibility of flypaper effect on Operating Expenditure (OE) and Capital Expenditure (CE) of the City Government in Indonesia. The research also tested the effect of the Original Regional Revenue (ORR) and the General Allocation Fund (GAF) against OE and CE  in the period Of 2010-2012. The data used is the realization of the City Governments Budget Report, which provided the sample, which was published through the website www.djpk.depkeu.go.id. The sampling method used is a purposive sampling method with the total sample 56 City Government in Indonesia.  Types of data used are secondary data is data panel (pooling of data) as it is an aggregation of data time series and cross section. Then data analysis use  panel data regression which is estimated by  Fixed Effect Model (FEM) and Random Effect Model (REM). The selection model based on  Hausman testing criteria. Then the research has to use REM estimation. The results of this research indicate that the ORR and GAF have  positive and  significant effect on OE. Furthermore this research find that flypaper effect occurs in OE.  It shows that the impact of GAF  change to the OE change is more than 1% . It is significant. But the GAF is not significant to the CE. The ORR have a positive and significant effect on CE. Furthermore this research find that flypaper effect does not occur on CE. Key words :  The General Allocation Fund (GAF), The Original Regional Revenue (ORR), Operating Expenditure (OE), Capital Expenditure (CE), Flypaper Effect.
IMPLEMENTASI KEBIJAKAN ALOKASI DANA DESA DI 10 DESA WILAYAH KECAMATAN REMBANG KABUPATEN REMBANG Prasetyo, Yudhi; N. Masdjojo, Gregorius
Proceeding SENDI_U 2015: SEMINAR NASIONAL MULTI DISIPLIN DAN CALL FOR PAPERS
Publisher : Proceeding SENDI_U

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Abstract

Implementation of Policy of ADD in Subdistrict of Rembang of Regency of Rembang have walked enough is fluent.But that way if hooked;correlated farther with attainment of target of execution of Allocation of Countryside Fund (ADD) in Subdistrict of Rembang of Regency of Apex still not yet optimal. As for factors influencing execution ofADD in Subdistrict of Rembang of Regency of Rembang cover communications, resource ability, executor attitude,bureaucracy structure, environmental and also size measure and policy target. Among/Between the factors, result ofthis research lay open that factor of ability of sumberdaya and also factor of size measure and target of very strongpolicy have an effect on to implementation of policy of policy of ADD in Subdistrict of Rembang of RembangRegency.Keyword : Allocation of Countryside Fund, Resource Ability, Executor Attitude, Bureaucracy Structure.
Flypaper Effect on Operating Expenditure and Capital Expenditure of the City Government in Indonesia Purbarini, Endah; Masdjojo, Gregorius N.
Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan Vol 16, No 1 (2015): JEP Juni 2015
Publisher : Universitas Muhammdaiyah Surakarta

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Abstract

This research analyze the possibility of flypaper effect on Operating Expenditure (OE) and Capital Expenditure (CE) of the City Government in Indonesia. The research also tested the effect of the Original Regional Revenue (ORR) and the General Allocation Fund (GAF) against OE and CE in the period of 2010-2012. Types of data used was the data panel, which is a combination data 2010-2012 time series and cross section 56 city. This research used panel data regression analysis which is estimated by Fixed Effect Model (FEM) and Random Effect Model (REM). The results of this research indicate that the ORR and GAF have positive and significant effect on OE. Furthermore this research find that flypaper effect occurs in OE. But the GAF is not significant to the CE. The ORR have a positive and significant effect on CE. Furthermore this research find that flypaper effect does not occur on CE.
KAJIAN PERTUMBUHAN PENDAPATAN ASLI DAERAH KABUPATEN/KOTA SE JAWA TENGAH PERIODE 2008-2012 Akuarista, Arum; N. Masdjojo, Gregorius
Proceeding SENDI_U 2015: SEMINAR NASIONAL MULTI DISIPLIN DAN CALL FOR PAPERS
Publisher : Proceeding SENDI_U

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Abstract

This study aims to analyze the influence of Regional Expenditure, Gross Regional Product, andInvestment to the Local Revenue in Central Java Province during the period 2008-2012. Thedata used in this study is a secondary data including Regional Expenditure, Gross DomesticProduct, Investment, and Local Revenue from the 35 District / City in Central Java on the period2008-2012. Based on Haussman test, then the data was analysed by Fixed Effect Model (FEM)based on panel data multiple regression analysis method. This research found that theExpenditure has no significant effect to the Local Revenue. Gross Regional Product andInvestment have significant positive effect on the Local Revenue.Keywords: Regional Expenditures, Gross Regional Product, Investment, Local Revenue, FixedEffect Model (FEM, Random Effect Model (REM).
EFEKTIVITAS KINERJA KEUANGAN DAN NON KEUANGAN PADA POLA PENGELOLAAN KEUANGAN BADAN LAYANAN UMUM DAERAH (PPK BLUD)RSUD AMBARAWA KABUPATEN SEMARANG Yuli Priastuti, Wahyu; Masdjojo, Gregorius Nasiansenus
Proceeding SENDI_U 2017: SEMINAR NASIONAL MULTI DISIPLIN ILMU DAN CALL FOR PAPERS
Publisher : Proceeding SENDI_U

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This study aims to determine whether Ambarawa hospital had a level of efficiency and effectiveness both in financial and non-financial performance.This study used secondary data obtained from the financial statements in 2012 through 2014 of Ambarawa Government Hospital. Measurement of financial and non financial performance was governed by Decree of the Minister of Health No. 1164/Menkes/SK/X/2007. We found that the financial performance gained weight value from 2012 to 2014 amounted to 16.7; 18.2 and 18.7. Those indicated that the financial performance of Ambarawa Goverment Hospital as Regional Public Service Institution well. While non-financial performance gained weight value from 2012 to 2014 amounted to 68.25; 73.95 and 74.15. Based on these calculations in the category was HEALTHY AA. Cost calculation recovey Rate (CRR) in 2012 which is 104% continued to rise until 2014 is 143%. This suggests that the hospital was able to support it operations by the revenue it received. As for Level Independence of Ambarawa Goverment Hospital as Regional Public Service Institution in 2012 scored 104% and continues to increase until 2014 at 307%. This shows that as Regional Public Service Institution able to finance operating costs and investment costs, but on the other hand the level of dependence on subsidies from the budget continued to increase from 2012 to 2014. Keywords: Public Service Board, the financial performance indicators and non-financial, recovey Cost Rate (CRR), Level of Independence, efficiency and effectiveness
PENGARUH DANA PIHAK KETIGA, CAPITAL ADEQUACY RATIO, RETURN ON ASSETS , DAN NON PERFORMING LOAN TERHADAP PENYALURAN KREDIT PADA BPR KONVENSIONAL DI PROVINSI BALI TAHUN 2016 Zulfa Maulida Rifki Fitria, 14.05.52.0243; N. Masdjojo, Gregorius
Students Journal of Accounting and Banking Vol 7, No 1 (2018): Vol.7 No.1 2018 EDISI APRIL 2018
Publisher : Students Journal of Accounting and Banking

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This research aims to analyze the factors that influence the distribution of credit on BPR Conventional of Bali quarter-IV (December 2016). The dependent variable in this research is the distribution of credit, while the independent variables in this research are DPK (third-party funds), CAR (Capital Adequacy Ratio), ROA (Return On Assets), dan NPL (Non Performing Loan). This type of research is a cross section, the data used are secondary data from  OJK that is the publication of the report BPR Conventional. The sampling technique used was purposive sampling so that from 137 BPR Conventional obtainable 130 BPR Conventional. A method of data analysis in this research using multiple linear regression analysis using OLS and processed with SPSS program 21. The results of this research show that the DPK and ROA positive and significantly against the distribution of credit. While the CAR negative effect and significantly against the distribution of credit, and the NPL negative effects and insignificant against the distribution of credit.Keywords: the distribution of credit, third-party Funds (DPK), Capital Adequacy Ratio (CAR), Return On Assets (ROA), Non Performing Loan (NPL).
Co-Authors 09.05.52.0010 Octa Artarina 10.05.52.0012 Riswati 10.05.52.0096 Vhaffrixca Aiffani 10.05.52.0127 Umirotul Fauziah 12.05.51.0171 Mega Kusumawati, 12.05.51.0171 12.42.02.0038 Endah Purbarini 1352020059 Rifiana Darmasti, 1352020059 Akuarista, Arum Ayudya Shita Devi Azizah, Istiqomah Azizah, Istiqomah Dina Fadhilah Endah Purbarini Endah Purbarini, Endah Felix Ananta Santoso, 14.05.52.0072 Fika Nurul Hidayati Imam Suleni Istiqomah Azizah, 14.05.52.0043 Istiqomah Azizah, 14.05.52.0043 Kartika, Fitria Yuliani Khibtiyah, 13.05.51.0192 Khibtiyah, 13.05.51.0192 Listiyorini Wahyu Widati Merly Rosetiyana, 14.05.52.0275 Muammar Fahmi Nabila Sabrina Asma Sinaga Sinaga Noviani, Anita Octa Artarina Putri, Adelia Sadaruddin, Tubagus Muhammad Sinta Trisna Yanti Sinta Trisna Yanti, 15.05.52.0057 Siti Khotimah, 15.05.52.0363 Sugino Sugino Sukartono Sukartono Sunny Safryani Titiek Suwarti Wijayanti, Rr. Murni Indah Yudhi Prasetyo, Yudhi Yuli Priastuti, Wahyu Yuli Priastuti, Wahyu Yunarsih, Yunarsih Zulfa Maulida Rifki Fitria, 14.05.52.0243 Zulfa Maulida Rifki Fitria, 14.05.52.0243