Die Medizinische最新文献_第3页

THE EFFECTIVENESS OF RESTRUCTURING POLICY IN BUMN BANKS DURING THE PANDEMIC 大流行期间人类银行重组政策的有效性

Die Medizinische Pub Date : 2022-09-26 DOI: 10.30996/die.v13i2.7299

Liliek Nur Sulistiyowati, Putri Oktavia Sari, Ananda Nunung Purwaningsih

{"title":"THE EFFECTIVENESS OF RESTRUCTURING POLICY IN BUMN BANKS DURING THE PANDEMIC","authors":"Liliek Nur Sulistiyowati, Putri Oktavia Sari, Ananda Nunung Purwaningsih","doi":"10.30996/die.v13i2.7299","DOIUrl":"https://doi.org/10.30996/die.v13i2.7299","url":null,"abstract":"The pandemic condition has made many sectors affected, one of which is banking. Bank Indonesia is one of the central banks that provide regulatory stimulus to maintain the stability of the banking system in the form of financing relaxation policies or waivers in customer financing installments. It is hoped that the level of health of the national banking can be well conditioned. This research aims to find out whether the restructuring policy that has been programmed by the government has been effective. This research was conducted at a state-owned bank in the Madiun Residency. The method used in this study was a simple regression analysis using the help of SPSS Version 26. The results of this study show that the restructuring policy programmed by the government has been effective. It is proven by the improvement of problematic NPLs after the restructuring, where previous debtors had difficulty in paying their obligations. Restructuring of state-owned banks can be carried out in several aspects, namely reducing interest rates, unemployment of credit interest arrears, reducing principal arrears, extending the term, taking over debtor assets, and converting loans into temporary capital.","PeriodicalId":11384,"journal":{"name":"Die Medizinische","volume":"9 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-09-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"76591807","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

SIGNALLING THEORY STUDY: PREDICT FUTURE CASH FLOWS WITH EARNINGS AND CASHFLOWS IN CONSUMER GOODS INDUSTRIES BEFORE PANDEMIC ERA 信号理论研究:用盈利和流行病前消费品行业的现金流预测未来现金流

Die Medizinische Pub Date : 2022-09-26 DOI: 10.30996/die.v13i2.7298

U. Khasanah, Nur Samsi, Choiri Choiri, Z. Zainab

{"title":"SIGNALLING THEORY STUDY: PREDICT FUTURE CASH FLOWS WITH EARNINGS AND CASHFLOWS IN CONSUMER GOODS INDUSTRIES BEFORE PANDEMIC ERA","authors":"U. Khasanah, Nur Samsi, Choiri Choiri, Z. Zainab","doi":"10.30996/die.v13i2.7298","DOIUrl":"https://doi.org/10.30996/die.v13i2.7298","url":null,"abstract":"This study aims to determine which of the cash flows and earnings have a better ability to predict future cash flows in the two years after the study period. This research was conducted on consumer goods industries listed on the Indonesia Stock Stock Trade in 2016 – 2019 employing a purposive examining procedure. (Dechow, Kothari, & Watts, 1997) found that earnings have a better ability to predict future cash flows than operating cash flows themselves. Another study conducted by (Dahler & febrianto, 2007) utilizing numerous straight relapse models found that operating cash streams for the current year have a better ability than profit in anticipating future working cash streams for both bunches of companies that have positive and negative benefits. Utilizing the same model, this study concludes that earnings have a better ability to predict future cash flows than cash flows themselves. However, cash flows still have a significant ability to predict future cash flows. In expansion, this consider too succeeded in demonstrating that profit has an incremental capacity to anticipate future cash streams.","PeriodicalId":11384,"journal":{"name":"Die Medizinische","volume":"104 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-09-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"87741007","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

ANALYSIS THE EFFECT OF BRAND EXPERIENCE AND BRAND INNOVATION ON BRAND LOYALTY WITH BRAND TRUST AS A MEDIATION VARIABLE 以品牌信任为中介变量，分析品牌体验和品牌创新对品牌忠诚的影响

Die Medizinische Pub Date : 2022-09-26 DOI: 10.30996/die.v13i2.7293

Nadya Desna Maura, Januar Wibowo, C. Candraningrat, Achmad Yanu Alif Fianto

{"title":"ANALYSIS THE EFFECT OF BRAND EXPERIENCE AND BRAND INNOVATION ON BRAND LOYALTY WITH BRAND TRUST AS A MEDIATION VARIABLE","authors":"Nadya Desna Maura, Januar Wibowo, C. Candraningrat, Achmad Yanu Alif Fianto","doi":"10.30996/die.v13i2.7293","DOIUrl":"https://doi.org/10.30996/die.v13i2.7293","url":null,"abstract":"Technological developments have had a great influence on competition in the industrial world, especially in the beauty industry. To win the competition, it is important for a company to build customer loyalty. Several studies that have been conducted have found a significant relationship between brand experience and brand innovation on brand loyalty. Apart from the many studies examining the effect of brand experience and brand innovation on brand loyalty, inconsistency of results is still found where there is a group of researchers who find that there is a significant effect between brand experience and brand innovation on brand loyalty and there are other groups of researchers who find no significant effect between brand experience and brand innovation on brand loyalty. To fill this gap, this study will use the brand trust variable as a mediating variable. The purpose of this study was to further investigate the relationship between brand experience and brand innovation on brand loyalty with the brand trust variable as a mediating variable. This study uses a quantitative approach using the structural equation modeling (SEM) method to analyze the data. The object of this research is the grace and glow brand using 160 respondents located in Surabaya.","PeriodicalId":11384,"journal":{"name":"Die Medizinische","volume":"13 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-09-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"81753582","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

The Impact of Instagram Social Media and e-Mouth of words as a Marketing Strategy on Purchasing Decisions Instagram社交媒体和e-Mouth作为一种营销策略对购买决策的影响

Die Medizinische Pub Date : 2022-09-26 DOI: 10.30996/die.v13i2.7296

E. H. Prastiwi

引用次数: 0

Analysis Of The Influence Of Third-Party Funds (DPK), Capital Adequacy Ratio (CAR), Return On Asset (ROA), Loan To Deposit Ratio (LDR) And Non Performing Loan (NPL) On The Distribution Of Banking Credit 第三方资金(DPK)、资本充足率(CAR)、资产收益率(ROA)、存贷比(LDR)和不良贷款(NPL)对银行信贷分配的影响分析

Die Medizinische Pub Date : 2022-03-29 DOI: 10.30996/die.v13i1.6370

Angga Dutahatmaja

{"title":"Analysis Of The Influence Of Third-Party Funds (DPK), Capital Adequacy Ratio (CAR), Return On Asset (ROA), Loan To Deposit Ratio (LDR) And Non Performing Loan (NPL) On The Distribution Of Banking Credit","authors":"Angga Dutahatmaja","doi":"10.30996/die.v13i1.6370","DOIUrl":"https://doi.org/10.30996/die.v13i1.6370","url":null,"abstract":"Research Objective: the purpose of this study is to examine the dominant factors that affect the amount of bank credit. The selection of these factors is based on the results of previous research studies. The purpose of this study was to determine the effect of third party funds (DPK), capital adequacy ratio (CAR), return on assets (ROA), non-performing loans (NPL) and loan to deposit ratio (LDR) on bank lending partially. \u0000Research Method: this research method uses quantitative research methods. The number of samples in this study were three state-owned banks registered with the OJK, namely Bank BRI, Bank BNI and Bank Mandiri for the period 2018-2020 (quarterly data). The data analysis methods used are classical assumption test, multiple regression analysis and t test with SPSS 26 program. \u0000Research Result: the results of this study that the variables of Third Party Funds and Loan toDeposit Ratio variables have a positive and significant effect on lending while the variables ofCapital Adequacy Ratio, Return to Assets and Non Performing Loans have no effect on lending. \u0000 \u0000Keywords: third party funds, capital adequacy ratio, return on assets, non-performing loans, loan to deposit ratio, lending","PeriodicalId":11384,"journal":{"name":"Die Medizinische","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-03-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"82983911","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

EFFECT OF THE APPLICATION OF RISK MANAGEMENT ON FINANCIAL PERFORMANCE CASE STUDY ON PT. BANK ABG, TBK 风险管理对财务绩效的影响——以泰克银行为例

Die Medizinische Pub Date : 2022-03-29 DOI: 10.30996/die.v13i1.6367

Tuk Yulianto

{"title":"EFFECT OF THE APPLICATION OF RISK MANAGEMENT ON FINANCIAL PERFORMANCE CASE STUDY ON PT. BANK ABG, TBK","authors":"Tuk Yulianto","doi":"10.30996/die.v13i1.6367","DOIUrl":"https://doi.org/10.30996/die.v13i1.6367","url":null,"abstract":"The economic recession that occurred in Indonesia in 2020 due to the Covid-19 pandemic has suppressed the performance of the national banking system. Almost all banking performance indicators experienced a significant decline. This condition also applies to PT. Bank ABG Tbk (ABG Bank) . To mitigate the risk of losses arising from bank business activities, the Financial Services Authority (OJK) since January 2004 has required every commercial bank to implement risk management effectively. This study aims to determine whether the application of risk management at Bank ABG is proxyed by the ratio of Operating Costs to Operating Income (BOPO) for operational risk, the ratio of Non Performing Loans (NPL) for credit risk and Loan to Deposit Ratio (LDR) for liquidity risk. , has a significant effect on the profitability of ABG Bank which is proxy by the ratio of Return on Assets (ROA). This research is a case study, using quantitative methods with secondary data sourced from the financial statements of ABG Bank for 2018-2020 which are accessed directly from ABG Bank. The analysis technique uses multiple linear regression. The results of the study concluded that there was a very high influence between the implementation of Risk Management on Financial Performance and the variable that had a significant effect was Operational Risk (BOPO). Meanwhile, credit risk (NPL) and liquidity risk (LDR) have no significant effect. \u0000 \u0000Keywords: Bank, Risk Management, Financial Performance.","PeriodicalId":11384,"journal":{"name":"Die Medizinische","volume":"257 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-03-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"76535343","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

ASSESSMENT OF LOAN TO DEPOSIT RATIO SOE BANK (PERSERO) BASED ON FINANCIAL RATIO 基于财务比率的国有银行存贷比评估

Die Medizinische Pub Date : 2022-03-29 DOI: 10.30996/die.v13i1.6369

Angga Rizka Lidiawan

{"title":"ASSESSMENT OF LOAN TO DEPOSIT RATIO SOE BANK (PERSERO) BASED ON FINANCIAL RATIO","authors":"Angga Rizka Lidiawan","doi":"10.30996/die.v13i1.6369","DOIUrl":"https://doi.org/10.30996/die.v13i1.6369","url":null,"abstract":"This study was conducted to examine the effect of Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Net Interest Margin (NIM) on Loan to Deposit Ratio (LDR). The research object of the State-Owned Enterprise Bank and the research data variables are sourced from financial reports that have been published and accessed through their respective web addresses. The data analysis technique used multiple linear regression with least squares equation and hypothesis testing using t-statistics to test the partial regression coefficients and F-statistics to test the significance of the effect together with a significance level of 5%. In addition, the classical assumption test was also carried out which included normality test, multicollinearity test, heteroscedasticity test and autocorrelation test. The results showed that the NIM variable showed a significant effect on LDR. The NPL variable has a significant negative effect on LDR. The CAR variable has a positive but not significant effect on LDR. The predictive ability of these three variables on the LDR in this study was 51.1%, while the remaining 48.9% was influenced by other factors that were not included in the research model. \u0000 \u0000Keywords : Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), Non Perfoming Loan (NPL), Net Interest Margin (NIM)","PeriodicalId":11384,"journal":{"name":"Die Medizinische","volume":"120 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-03-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"80576023","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

IMPROVING THE QUALITY OF WOMEN'S COOPERATIVE FINANCIAL REPORTS IN THE DISTRICT OF ANTI GRESIK REGENCY WITH ACTION RESERCH APPROACH 用行动研究法提高防疫区妇女合作社财务报告的质量

Die Medizinische Pub Date : 2022-03-29 DOI: 10.30996/die.v13i1.6372

Ujang Syaiful Hidayat

{"title":"IMPROVING THE QUALITY OF WOMEN'S COOPERATIVE FINANCIAL REPORTS IN THE DISTRICT OF ANTI GRESIK REGENCY WITH ACTION RESERCH APPROACH","authors":"Ujang Syaiful Hidayat","doi":"10.30996/die.v13i1.6372","DOIUrl":"https://doi.org/10.30996/die.v13i1.6372","url":null,"abstract":"The Women's Cooperative (KOPWAN) Bina Citra Wanita is a legal entity cooperative that has a savings and loan business unit. KOPWAN is a form of joint effort based on the principles of kinship and mutual cooperation. However, problems arise when it comes to providing precise and accurate financial reports, in accordance with SAK ETAP (Financial Accounting Standards for Entities Without Public Accountability). These activities require extra work from KOPWAN administrators who double as housewives. This often creates conflicts of its own in dividing the time because the financial statements made are still using conventional methods. This condition is not balanced with the increasing number of activities because the number of members served is increasing. The purpose of this study will be to examine the extent to which the implementation of computerized-based financial reporting with accounting software can improve the quality of KOPWAN financial report information. This study uses an action research approach. The results of the study indicate that Accounting Software is quite effective and efficient in helping management make financial reports quickly, precisely and accurately and reduce fraud. In addition, it is able to save time and energy so that it does not interfere with the activities of mothers in carrying out domestic and public activities. \u0000 \u0000Keywords: action research, SAK ETAP, Accounting Software","PeriodicalId":11384,"journal":{"name":"Die Medizinische","volume":"30 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-03-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"87151428","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

DISCLOSURE AND IMPLEMENTATION OF CORPORATE SOCIAL RESPONSBILITY (CSR) INDONESIAN SHARIA BANK IN ISLAMIC RELIGIOUS INSTITUTIONS IN BUTON ISLANDS (Case Study at BSI KCP Baubau) 企业社会责任的披露与实施印尼伊斯兰银行在布顿群岛的伊斯兰宗教机构(以BSI KCP Baubau为例)

Die Medizinische Pub Date : 2022-03-29 DOI: 10.30996/die.v13i1.6374

La Marihi ‏‏‎ ‏‏‎ ‏‏‎ ‏‏‎

引用次数: 0

ANALYSIS OF MONETARY POLICY ON ECONOMIC GROWTH IN INDONESIA DURING THE OUTBREAK OF COVID-19 新冠肺炎疫情期间印尼货币政策对经济增长的影响分析

Die Medizinische Pub Date : 2022-03-29 DOI: 10.30996/die.v13i1.6365

Amalia Wahyuni

引用次数: 0