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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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PENGARUH KREDIT BERMASALAH, PORSI KREDIT, TINGKAT EFISIENSI, DAN KEMAMPUAN MODALTERHADAP PROFIRABILITAS PADA BANK PERKREDITAN RAKYAT DI SUMATERA BARAT PERIODE 2013-2016 Istiqomah Azizah, 14.05.52.0043; 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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Abstract

This study aims to analyze the effect of Non Performing Credit, Credit Portion, Efficient Level and Capital Capacity to Profitability. The population in this study are all BPRs in West Sumatra registered in the Financial Services Authority of 2013-2016.Sampling method using purposive sampling with criteria, BPR data used is secondary data taken from the OJK Publications Report, and publish the financial statementsconsistently. Due to the combined data type between cross-section and time series, the analysis method used is panel data regression analysis with Fixed Effect (FEM) and Random Effect (REM) estimation. Model selection using Hausman Test.The Hausman Test results recommend the research using Fixed Effect estimation output For hypothesis testing analysis. The result of the research shows that Problem Credit, Efficiency Level and Capital Ability have negative and significant effect to Profitability. While Credit Portion has positive and insignificant effect. The value of Adjusted R2 of 0.4017 indicates that 40.17% of the dependent variable Profitability can be explained by the independent variable of Problem Credit, Credit Portion, Efficiency Level and Capital Capability. The remaining 59.8% is explained by other factors not included in this regression model
STUDI PENYALURAN KREDIT BANK UMUM SWASTA NASIONAL DI INDONESIA PERIODE 2011-2015 Khibtiyah, 13.05.51.0192; Masdjojo, Gregorius N.
Students Journal of Economic and Management Vol 6, No 1 (2017): Vol. 6 No. 1 Edisi April 2017
Publisher : Students Journal of Economic and Management

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Abstract

This study aims to examine and analyze the influence of Saving, Capital Adequacy Ratio, Non Performing Loans, Return On Assets and Interest Rate on National Private Commercial Bank loan on the period 2011-2015. The population in this study is a national private commercial bank which are operating in Indonesia from 2011 until 2015. The samples are determined using purposive sampling technique. Data analysis was performed using panel data regression with selection between Fixed Effect Model (FEM) and the Random Effects Model (REM) through the Hausman test. Hausman test result recommends using FEM. Based on the output FEM showed that the Saving has a significant positive effect on Bank Loan, Capital Adequacy Ratio has no effect on Bank Loan, Non Performing Loans has no effect on Bank Loan, Return On Assets has no effect on Bank Loan and Interest has significant negative effect on Bank Loan. Keywords: Third Party Funds, Capital Adequacy Ratio, Non Performing Loans, Return On Assets, Interest Rate, Credit, Fixed Effect Model (FEM) And The Random Effects Model (REM).
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI KINERJA BANK UMUM SWASTA NASIONAL DEVISA DI INDONESIA (Periode 2011-2013) Mega Kusumawati, 12.05.51.0171; N Masdjojo, Gregorius
Students Journal of Economic and Management Vol 5, No 1 (2016): Vol.5 No.1 Edisi April 2016
Publisher : Students Journal of Economic and Management

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Abstract

The objective of the study is to examine the effect of Capital Adequacy Ratio, Loan to Deposit Ratio, Operating Expenses on Operating Income, Non Performing Loan and the Foreign Excange Rate to the Return On Asset. The research was conducted on National Private Commercial Bank that registered on Central Bank and the FSA. The sampling method in this study using purposive sampling method with the study period of 2011 to 2013.The data used in this research is data from  National Private Commercial Bank that meet the selection criteria. The analytical method used in this study is panel data regression analysis. The result shows that Capital Adequacy Ratio has no significan effect on Return On Asset. Loan to Deposit Ratio and Foreign Excange Rate have no significan effect on Return On Asset. Operating Expenses on Operating Income and Non Performing Loan have negative and significant effect on Return On Asset. Adjusted R Square is 0.307 this means 30,7% of the dependent variable can be explained by the independent variable, while the remaining 69.3 % is explained by other causes outside the model. Keywords: Capital Adequacy Ratio, Loan to Deposit Ratio,Operating Expenses on Operating Income, Non Performing Loan , and Foreign Exchange Rate.
ANALISIS SENSITIVITAS PAJAK DAN RETRIBUSI DAERAH TERHADAP BELANJA MODAL DAN BELANJANG BARANG DAN JASA DAERAH (Studi Kasus Keuangan Pemerintah Daerah Provinsi Jawa Tengah Periode Tahun 2009-2013) Rifiana Darmasti, 1352020059; Masdjojo, Gregorius N.
Jurnal Mahasiswa Pasca Sarjana 2015: PERIODE KEDUA 2015
Publisher : Jurnal Mahasiswa Pasca Sarjana

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Abstract

This study aims to analyze and describe the sensitivity of taxes and retribution on capital expenditures and goods and services expenditures. To test the hypothesis, this research used panel data regression with hausman test as a determinant method of the appropriate regression model to be used. Taxes and retribution are the independent variables, while capital expenditures and goods and services expenditures are the dependent variables. The results showed that the capital expenditure only sensitive to retribution while goods and services expenditure sensitive to tax and retribution. Keywords: Tax, Retribution, Capital Expenditures, Goods and Services Expenditures
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

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jep.v16i1.939

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.
FAKTOR-FAKTOR YANG MEMPENGARUHI SETORAN LPPL RADIO PADA LPPL RADIO KABUPATEN/KOTA SE-JAWA TENGAH Sadaruddin, Tubagus Muhammad; N. Masdjojo, Gregorius
Proceeding Fakultas Ekonomi 2014
Publisher : Proceeding Fakultas Ekonomi

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Abstract

This study aims to analyze the factors that affect deposit LPPL (Local Public Broadcasting) Radioon Radio LPPL Regency/City in Central Java. Some researchers emphasize the effect of the regulation isa factor, the budget ceiling given by the budget, the number of HR employees and deposit targetsmandated by the respective local government district/city. The population in this study was 32 LPPLRadio districts/cities in Central Java. In addition, this study uses panel data time series for the past threeyears, starting in 2011, 2012 and 2013. This study uses multiple methods approach, the approaches are :Pooled Least Square (PLS), Fixed Effect Model (FEM) and Random Effect Model (REM). The modeltesting uses Chow Test and Hausman Test. The hypothesis testing, conducted through partial test basedon t test. The results showed that model tends to use FEM. Based on that estimation model was found thatonly two variables that were significant namely regulation and deposit targets at 5% significance level.Beside that amaount of human resources was significant at 10% significance level. The rest that is thebudget was insignificant.Keywords: Deposits of LPPL Radio, budgets, HR
PERKEMBANGAN K’EMANDIRIAN KEUANGAN DAERAH KABUPATEN/KOTA DI PROVINSI NUSA TENGGARA TIMUR PERIODE 2008 - 2012 Putri, Adelia; Masdjojo, Gregorius N.
Proceeding Fakultas Ekonomi 2014
Publisher : Proceeding Fakultas Ekonomi

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Abstract

The regional autonomy which included fiscal decentrahzaflon requires having financial wdependence. Fiscal decentralization will give authonty to the local govcrinent to explore the potential of the area and obtain the transfer of the center in terms of fiscal balanceSource of funds used for the cousuuioa consists of Local Revenue, General Allocation Fund. Special Allocation Fund and Revenue Sharing. The obj of this research is South Lst Nusa Pnwu’ice This study med to analyie the influence of Local Revenue prowrh General AIICICaIUW Famd pmwth Snecial Allocation Fund crnih and Reenue Sharing growth to Local Financial Independence Basal on calculation with panel data regression is found that Local Revenue growth has posiuve and significant impact on Local Financial Independence. General Allocation Fund growth has negative and ngnhlican( Impact on Local Financial Independence. Special Allocation Fund trowth has negative and significant impact on Local FinancLal Independence, Revenue Sharing growth has not significant impact on Local Fmancial Independence &ev words Local Revenue. General Aioconon Fw Special Allocation FumL lkvcnia’ £wanng. Local Frnwicii1 lndependesr.e
THF KEYNESIAN AND THE MONETARY APPROACH TOWARDS THE DYNAMICS OF FOREIGN EXCHANGE RESERVE THROUGh THE BALANCE OF PAYMENT INVESlIGATION AN EMPIRICAL STUDY IN INDONESIA ON THE PERIOD I983-2008 Masdjojo, Gregorius N.
Proceeding Fakultas Ekonomi 2014
Publisher : Proceeding Fakultas Ekonomi

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The main objective of this research is to analyze the effect of the change on the National Income, the Domestic Credit, the Exchange Rate and the Interest Rate to the change of the Foreign Exchange Reserve. The research analyze based on the Keynesian Balance of Pavmcnt Theory (KBPT) and the Monetary Approach to the Balance of Payment (MAHP) The KHPT was oriented to the short term analysis and the MABP was onented to the long temi analysis The data is analyzed by the Error Correction Model (ECM). The results showed that in thc long run the National Income, the Domcsuc Credit, the Exchange Rate and the Interest Rate can change the Foreign Exchange Reserve significantly partially and simultaneously. The results showed that the effect of the independent variables so the Foreign Exchange Reserve is the same as the hypotheses ofthc KHPT and MARl’. It can be concluded from Error Correction Term (ECI’) valuc that in indonesia the economy needs 6-7 quartals (1.5 years to reach the new equilibrium. Keywords: The Foreign Exchange Reserve, The Keynesian Balance of Payment Theory and The Monetary Approach to the Balance of Payment. The Error Correcnon Model
PENGARUH KREDIT BERMASALAH, PORSI KREDIT, TINGKAT EFISIENSI, DAN KEMAMPUAN MODALTERHADAP PROFIRABILITAS PADA BANK PERKREDITAN RAKYAT DI SUMATERA BARAT PERIODE 2013-2016 Azizah, Istiqomah; Masdjojo, Gregorius N.
Proceeding SENDI_U 2018: SEMINAR NASIONAL MULTI DISIPLIN ILMU DAN CALL FOR PAPERS
Publisher : Proceeding SENDI_U

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Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Kredit Bermasalah, Porsi Kredit, Tingkat Efisien dan Kemampuan Modal terhadap Profitabilitas. Populasi dalam penelitian ini adalah seluruh BPR di Sumatera Barat yang terdaftar di Otoritas Jasa Keuangan tahun 2013-2016. Metode pengambilan sampel menggunakan purposive sampling. Data dianalisis dengan metode analisis regresi data panel dengan estimasi Fixed Effect (FEM) dan Random Effect (REM).Pemilihan model menggunakan Uji Hausman. Hasil Uji Hausman merekomendasikanpenelitian ini menggunakan output estimasi Fixed Effect untuk pengujian hipotesis. Hasil penelitian menunjukkan bahwa Kredit Bermasalah, Tingkat Efisiensi dan Kemampuan Modal berpengaruh negatif dan signifikan terhadap Profitabilitas. Sedangkan Porsi Kredit berpengaruh positif dan tidak signifikan. Nilai Adjusted R2 sebesar 0,4017menunjukkan bahwa 40,17% variabel dependen Profitabilitas dapat dijelaskan oleh variabel independen Kredit Bermasalah, Porsi Kredit, Tingkat Efisiensi dan Kemampuan Modal. Sisanya 59,8% dijelaskan oleh faktor lain yang tidak termasuk dalam model regresi ini.
DETERMINAN PROFITABILITAS PADA BPR DI JAWA TENGAH TAHUN 2012 – 2017 Siti Khotimah, 15.05.52.0363; Masdjojo, Gregorius N
Students' Journal of Accounting and Banking Vol 8 No 1 (2019): Vol. 8 No. 1 April 2019
Publisher : Students' Journal of Accounting and Banking

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This study aims to examine and analyze the influence of Credit Provided, Interbank Assets, Non Performing Loans, Savings, Deposits and Capital Adequacy Ratio on Profitability of Rural Banks 2012 - 2017. This study uses purposive sampling. Based on these criteria, a sample of 28 banks was obtained with an observation period of 6 years. Because this type of data is a combination of "Cross-section" and "Time-series" data, the data analysis uses panel data regression analysis. The estimation process uses the Fixed Effect Model (FEM) and Random Effect Model (REM) methods. Selecting the best model uses the "Haussman Test". The results of data analysis are based on the recommended Haussman Test to use the REM method. The results showed that the Credit Provided, Interbank Assets and Deposits did not affect Profitability, Non Performing Loans had a significant negative effect on Profitability, Savings and Capital Adequacy Ratio had a significant positive effect on Profitability.
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