Decision of the Use of Debt to Increase Prosperity of Company Owner in Foreign Company and Domestic Company on Indonesian Stock Exchange

The capital structure is a combination of debt and equity that was used by the company. Differences in capital structure, decision-making are influenced by the type of the company, whether the company is Foreign or Domestic. The Foreign company, majority shareholders are foreigners, in addition, most management using foreign management. This is the opposite of the Domestic company, if the Domestic company, majority shareholder is a person or agency that originated from within the country and management is the management in the country. The company\u27s debt USAge decision characteristic of Foreign and Domestic companies can be seen from Debt to Equity Ratio (DER), it will have an effect on the prosperity of the company\u27s share owners. Based on the results of the analysis, show that Debt to Equity Ratio in the Foreign and Domestic company have the same height. The average DER of Foreign company was 85,1467 percent and DER of Domestic company was 86,8667 percent. While the prosperity company owner can be seen since Return on Equity (ROE) in the Foreign company since that Domestic company. The average ROE of Foreign company was 37,75093 percent and ROE of Domestic company was 20,53147 per cent. Based on the test results shown that there is a difference in impact in the use of debt (DER) to the financial performance (ROE) between Domestic and Foreign company. The difference is seen from the two companies, the elasticity of the visible that ROE of Foreign company is more sensitive to changes cause DER than Domestic company

The Effect of Sharia Financial Literacy on the Decision of the Use of Service Products in the Sharia Pawn in Yogyakarta

This study discusses to analyze the influence of Islamic financial literacy on the decision to use Islamic financial product services. The diverse educational backgrounds, ages, and occupations of students make them need literacy guidance to make decisions in choosing sharia pawn products that are suitable for the family’s financial needs. The population in this study is Sharia Pawn in Sariharjo, Yogyakarta. Data in the form of primary data using questionnaires and distributed as many as 111 results. The sampling technique was purposive sampling. This research is a quantitative study with data analysis methods using multiple linear regression. The results showed that Islamic finance affects decisions in the use of service products in Islamic pawn where the coefficient of determination (R2) is 83.4%, which means 83.4% of the variation in the decision to use products in sharia pawn following 3 supporting variables such as Knowledge and Understanding of Managing Finance (X1), Expertise and Skills in Managing Finance (X2), and Beliefs or Belief in Sharia Pawn (X3). While the remaining 16.6% was approved by other variables not approved in this study. Keywords: Sharia Financial Literacy; Sharia Pawn; Customer Decisio

The Use of Social Capital in Borrower Decision-Making

By looking beyond the financial characteristics of borrowers, this research brings to light the social factors that influence a borrower's choice of a lender and mortgage product. Previous research has indicated that distinct channels exist that funnel borrowers into lower or higher cost loan products (Apgar, Bendimerad, and Essene 2007). But little is known as to how borrowers seek out or are directed to such channels. A particular concern that this paper hopes to address is why black borrowers disproportionately have higher priced products.Some research indicates that even when credit worthiness is controlled for, blacks are overrepresented in the subprime sector and in higher-cost products (Bocian, Ernst, and Li 2006). Through in-depth interviews with 32 borrowers, this research (1) highlights how borrowers seek mortgage credit and evaluate their mortgage options, and (2) demonstrates how borrowers make use of their social networks (friends and family) when making their decisions.The preliminary findings indicate that borrowers' preferences and subsequent demands for mortgage products were shaped by the informal and formal advice they received. Those borrowers who consulted the most diverse sources of information had loans with lower interest rates. Those borrowers who received advice only from family and friends did not fare as well as those who received help from credit counselors. Thus, arguably, their loan outcomes varied not just based on if they consulted others, but especially whom they consulted. When given the right advice, potential homebuyers make better decisions in choosing both a lender and a loan

Knowledge re-use for decision support

Effective decision support has already been identified as a fundamental requirement for the realisation of Network Enabled Capability. Decision making itself is a knowledge-intensive process, and it is known that right decisions can only be reached based on decision maker's good judgement, which in turn is based on sufficient knowledge. It is not unusual for decision makers to make incorrect decisions because of insufficient knowledge. However, it is not always possible for decision makers to have all the knowledge needed for making decisions in complex situations without external support. The re-use of knowledge has been identified as providing an important contribution to such support, and this paper considers one, hitherto unexplored, aspect of how this may be achieved. This paper is concerned with the computational view of knowledge re-use to establish an understanding of a knowledge-based system for decision support. The paper explores knowledge re-use for decision support from two perspectives: knowledge provider's and knowledge re-user's. Key issues and challenges of knowledge re-use are identified from both perspectives. A structural model for knowledge re-use is proposed with initial evaluation through empirical study of both experienced and novice decision maker's behaviour in reusing knowledge to make decisions. The proposed structural model for knowledge re-use captures five main elements (knowledge re-uers, knowledge types, knowledge sources, environment, and integration strategies) as well as the relationships between the elements, which forms a foundation for constructing a knowledge-based decision support system. The paper suggests that further research should be investigating the relationship between knowledge re-use and learning to achieve intelligent decision support

Using decision analysis: connecting "classroom" and "field"

This paper reports on the findings of a small-scale research project investigating the views of social work students on the use of decision analysis. After giving the context of the research, the article reports on what was found when students, who had just completed a Decision Making and Risk module, were asked for their opinions on the component parts of decision analysis, its use as a practice tool and their attitudes to using it on placement. The research found that the respondents in general took a critical and supportive stance towards the use of decision analysis in social work and, with extra teaching and a positive approach from their practice assessor, would be happy to use decision analysis. When the same group of students completed a follow-up questionnaire on a placement recall day, half of them had thought about using decision analysis but only three had gone on to discuss this with their practice assessors. Some issues in relation to connecting 'classroom' and 'field' are identified and the paper concludes that a number of further steps would be necessary to realise the potential of decision analysis to help students be more systematic and analytical in their approach to decision makin

Usage Degree of the Capabilities of DSS in Al-Aqsa University of Gaza

Abstract— This study aimed to identify the degree of use of the capabilities of decision-support systems in Palestinian institutions higher education, Aqsa University in Gaza - a case study. The study used a analytical descriptive approach, and the researchers used the of questionnaire tool to collect the data, the researchers using stratified random sample distributed (150) questioners to the study population and (126) was obtained back with rate of 84%. The study showed that the most important results are: that senior management supports the existence of decision support systems and that there is approval by the respondents on the paragraphs of the use of the capabilities of decision support systems in general. And that there are no significant differences between the averages of the answers of respondents differences about the degree of use of decision support systems capabilities attributed to personal data. The study also concluded a series of recommendations including: increasing the adoption of the senior management decision support in their decision-making systems. And increased regulatory attention to the potential available to decision support systems directly to the senior management in the Palestinian universities in the Gaza Strip. There is an increased interest in the physical and technical possibilities available for the use of decision support systems. There is an increased interest in human potential available for the use of decision support systems. Investment of information available to universities in building the capacities of integration techniques and other information technology capabilities. The empowerment of human resources in universities and participating in making decisions concerning the construction of the capabilities of information technology

Improving the capabilities and use of strategic decision making tools.

Recent research has shown that a substantial proportion of local authorities do not use models for strategy formulation or scheme design and appraisal. Models were perceived to be unable to reflect the range of policy instruments which local authorities now use; and were seen as too complex for local authority staff and stakeholders to use themselves. To overcome these issues the MARS model has been enhanced to provide a transparent and easy to use tool with a flight simulator front-end. This paper describes the model along with improvements to the representation of public transport by inclusion of quality and crowding factors and the incorporation of urban heavy rail