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Muhammad Masruri
Dosen Universitas Muria Kudus
Economics, Econometrics & Finance

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Journal : Fokus Ekonomi

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ANALISIS NON PERFORMING LOAN DAN LOAN DEPOSIT TO RASIO TERHADAP KESEHATAN PD. BANK PERKREDITAN RAKYAT BKK KECAMATAN SEDAN KABUPATEN REMBANG Muhammad Masruri
Fokus Ekonomi : Jurnal Ilmiah Ekonomi Vol 1, No 2: Desember 2006
Publisher : STIE Pelita Nusantara Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34152/fe.1.2.%p

Abstract

The main purpose of this study is to analyze the Non Performing Loan (NPL) and the Loan to Deposit Ratio (LDR) toward the health of PD. BPR BKK Kecamatan Sedan Rembang on 2000 to 2005. The hypotheses proposed was that according to its Non Performing Loan to Deposit Ratio, PD. BPR BKK Kecamatan Sedan Rembang, was unhealthy.The operational definition of this study consists of LDR (Loan to Deposit Ratio); that is the ability to obtain profit from the saving fund to be distributed in form of credit on PD. BPR BKK Kecamatan Sedan. The Bank productifity of fund, which has a high circulation, is cash. The target of this study is PD. BPR BKK Kecamatan Sedan Rembang, and the data used, is the data from 2000 2005.The technique of data collecting used in this study are; data in form of balance of sheet, financial statement, sum of productive tangible, and the sum of assets, from the year of 2000 2005. The study was conducted using quantitative method of data collecting to analyze the Loan to Deposit Ratio (LDR) and the Non Performing Loan (NPL) from 2000 2005.The result shows the Non Performing Loan (NPL) of PD. BPR BKK Kecamatan Sedan Kabupaten Rembang on 2000 was as much as 4.35 %, on 2001 was 3.06 %, on 2002 was 1.69 %. This means that the level oc credit was health. The Non Performing Loan (NPL) on 2003 was as much as 5.43 %, 2004 as 8.86 % and 2005 as 7.43 %. This can be assumed as unhealthy. While the Loan to Deposit Ratio (LDR) on 2000 as much as 118 %, 2001 as 114 %, 2002 as 80 %, 2003 as 33 %, 2004 as 71 %, and 2005 as 89.97 %.
FAKTORFAKTOR YANG BERPENGARUH TERHADAP PENGELOLAAN ARSIP DINAMIS AKTIF PADA SUBBAGIAN UMUM SEKRETARIAT DAERAH KABUPATEN REMBANG Muhammad Masruri
Fokus Ekonomi : Jurnal Ilmiah Ekonomi Vol 2, No 1: Juni 2007
Publisher : STIE Pelita Nusantara Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34152/fe.2.1.%p

Abstract

The study uses check list data collecting method which was conducted by filling up the list of question in a way of sign marking in the column given to 54 official employees of Sub Bagian Umum Sekreatariat Daerah Kabupaten Rembang. In analyzing the data, the writer uses a multiple regression. A Relative Contribution (sumbangan Relatif/ SR) being used in testing the hypothesis, to examine the most affecting factor on dynamic and active files management. Along with a statistical software package SPSS 1.2 version.The multiple regression statistic results on Anova testing shows that the value of Fc as 9.45 > F table as 3.476, with the probability lower than 0.05. It means the regression model can be conducted in predicting the dynamic and active files management. In other words, this means that time, tools or means, and finance, at the same time, influencing toward active and dynamic filesmanagement on Sub Bagian Umum Sekretariat Daerah Kabupaten Rembang. The SPSS output shows R square as 0.363, this means that 36.3% of active and dynamic files management variation, can be explained by the three other independent variables included in A Relation Contribution. Ascalculation result in the table, this can be explained that the three independent variables set in the Relative Contribution, show SRX1 as 13.3831% and SRX2 as 63.9511%, and SRX3 as 22.6618%. This means that tools or means have the most dominant influences on active and dynamic files management on Sub Bagian Umum Sekretariat Daerah Kabupaten Rembang, with the acceptanceof SRX2 as 63.9511%.
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