ANALISIS FAKTOR – FAKTOR YANG MEMPENGARUHI PERMINTAAN KREDIT KEPEMILIKAN RUMAH TYPE 36 PADA BANK TABUNGAN NEGARA (BTN) DI SURABAYA

Housing credit demand in the economy affect the development, it is indicated by the extent of housing development in suburban areas. Housing is also the one area of development that the government is always associated with the population problem. Financing institutions in trust by the government in financing the Housing Loan (mortgage) one of which is the BTN (National Savings Bank) to provide home loans people. his study aims to determine whether the per capita income factor (X1), Interest Rate mortgage (X2), Inflation (X3), house price average - average (X4), affect the demand for mortgage loans on BTN type 36 in Surabaya. This study uses secondary data are derived from the Office of National Statistics Agency Surabaya branch waktu10 year period, beginning in 2001-2010. Meanwhile, the analytical techniques used is multiple linear regression analysis using the tools of computer programs Statistics Programme For Social Science (SPSS) Version 13.0 which showed significant effect between the independent variables and the dependent variable. Significant assay results of the Independent Variables Analysis of Some Factors Affecting Demand Mortgage Type 36 By BTN In Surabaya (Y), it can be seen that the inflation variable (X3) is the most dominant variable effect on Housing Loan Acceptance By BTN In Surabaya . By looking at the results of the coefficient of per capita income independent variable (X1), Interest Rate mortgage (X2), Price Average - Average house (X4) is a variable that is not dominant to request Housing Loan Bank BTN In Surabaya

ANALISIS RASIO LIKUIDITAS DAN KUALITAS AKTIVA TERHADAP CAPITAL ADEQUENCY RATIO (CAR) PADA BANK SWASTA NASIONAL DI SURABAYA

Studies using this secondary data with the period of time four years (2007-2010), where the data is taken from Bank Indonesia. For the analysis of the data using a tool with a computer using SPSS (Statistical Program for Social Science) version 13.0. Analysis of the filter used in this research is Regresi linear hypothesis and test filter is used t test and F test statistics Based on the results of the analysis and strewn hypothesis prompted Simult free variables, the Investing Policy ratio (X1), Loan To Deposit ratio (X2), active productive problem (X3) and Non Performing Loan (X4) significant variables to be bound by Capital ratio adequency Same Bank the private National in Surabaya (Y) with the results Fhitung CPA = 4.594> Ftabel = 3,48. Whereas strewn in one partial Investing Policy ratio (X1), no effect on adequency Capital ratio (Y) were private banks in the national count of Surabaya t = 0.574 t table = 1.812, the variable active productive problem (X3) effect on adequency Capital ratio (Y) were private banks in the national Surabaya t = -2.270 count> t table = 2.228 and non-performing loan (X4) have a significant influence on the filter adequency Capital ratio (Y) were private banks in the national count of Surabaya t = 2.754> t table = 2.228. Four independent variables X1, X2, X3, X4, then the variable most dominant effect for the variable Y is the variable X4 with R2 values of 0.431 or 43.1%

ANALISIS PENGARUH PENDAPATAN ASLI DAERAH, DANA ALOKASI UMUM, DAN DANA ALOKASI KHUSUS TERHADAP BELANJA MODAL

Belanja Modal yang termasuk belanja daerah perlu diperhitungkan karena terkait dengan infrastruktur pembangunan dan fasilitas umum, belanja modal yang dapat mempengaruhi kinerja berbagai instansi pemerintah. Belanja Modal menjadi syarat utama dalam memberikan standar pelayanan minimal kepada publik pemerintah daerah. Oleh karena itu penelitian ini bertujuan untuk mengetahui pengaruh terhadap Pendapatan Asli Daerah, Dana Alokasi Umum, Dana Alokasi Khusus di Provinsi Jawa Timur tahun 2009-2019. Data yang digunakan dalam penelitian ini adalah data sekunder tahunan yang bersifat time seriesyang diperoleh dari Laporan Realisasi Anggaran Pendapatan dan Belanja Daerah di Provinsi Jawa Timur Tahun 2009 sampai 2019. Metode analisis yang digunakan dalam penelitian ini adalah analisis regresi linier berganda. Bersadarkan hasil penelitian yang diperoleh menunjukkan bahwa secara simultan yaitu pendapatan asli daerah, dana alokasi umum, dana alokasi khusus, berpengaruh terhadap belanja modal di provinsi jawa timur tahun 2009-2019. Sedangkan secara parsial pendapatan asli daerah berpengaruh positif terhadap belanja modal, untuk dana alokasi umum tidak berpengaruh terhadap belanja modal di provinsi jawa timur, begitu pula dengan dana alokasi khusus tidak berpengaruh terhadap belanja modal di provinsi jawa timur

PRAKTEK AKUNTANSI DAN PELAPORAN KEUANGAN KOPERASI: STUDI KASUS PADA KOPERASI PRIMER UPN “VETERAN" JAWA TIMUR

Cooperative effort is directly related to business interests of members to improve the business and welfare of members. Like other business entities, cooperatives can make efforts as other business entities, such as trade, manufacturing, financial services, and financing, insurance services, transportation services, professional services, and other services. Accounting treatment arising from transactions between the cooperative relationship with its members and other transaction- spesific cooperative business entity shall be guided by PSAK No 27, while a general nature are treated with reference to the other PSAK. This situation may create a less cooperative management understand how to make proper accounting in accordance with PSAK. It is mainly experienced by medium and small cooperatives located in rural or small town

Penentuan Sektor Ekonomi Unggulan dengan Analisis Overlay di Kota Surabaya

People's well-being can be improved through the use of regional leading sectors. The amount of regional output based on the performance of individual or overall economic sectors to determine the size of regional economic growth is known as Gross Regional Domestic Product (GRDP). Based on GRDP data from 2015 to 2020, a study was conducted in Surabaya with the goal of identifying the leading sectors, understanding the performance of economic sectors, understanding the grouping of sectors, and understand the role of leading sectors for the return of regional economic conditions. The research method is based on a quantitative approach using the LQ analysis method, shift share, and Klassen typology, followed by overlay analysis to reach conclusions. According to the calculations, 11 economic sectors were identified as superior in the LQ analysis, 1 economic sector received positive results in both components in the shift share analysis, and 4 economic sectors were classified as Quadrant 1 in the Klassen typological classification. Referring to these results, the financial services and insurance sectors are the only sectors that meet positive results in all three analysis tools. So, according to overlay analysis, the financial services and insurance sector in Surabaya is a leading economic sector that can be used to improve the economy due to the covid-19 pandemi

Changes in Inflation and Exchange Rates on Investment Decisions in Sectoral Shares on the Indonesia Stock Exchange

This research was conducted on the basis of different perceptions regarding the influence of domestic macroeconomics on stock prices. The independent variables used in this study are inflation and exchange rates, while the dependent variable used is the share price of the Indonesia Stock Exchange's Sectoral Index. This study uses monthly data from January 2018 to December 2020. The analysis technique used is multiple regression analysis. There are three findings in this research. First, inflation has a partial effect on most of the sectoral indices except for the Basic Industry Sector Index, the Financial Sector Index and the Trade Sector Index. Second, the Exchange Rate has a partial effect on most of the Sectoral Indices except for the Mining Sector Index and the Trade Sector Index. Third, inflation is the most dominant variable affecting the eight sectoral indices, while the rest is dominated by exchange rates.This research was conducted on the basis of different perceptions regarding the influence of domestic macroeconomics on stock prices. The independent variables used in this study are inflation and exchange rates, while the dependent variable used is the share price of the Indonesia Stock Exchange's Sectoral Index. This study uses monthly data from January 2018 to December 2020. The analysis technique used is multiple regression analysis. There are three findings in this research. First, inflation has a partial effect on most of the sectoral indices except for the Basic Industry Sector Index, the Financial Sector Index and the Trade Sector Index. Second, the Exchange Rate has a partial effect on most of the Sectoral Indices except for the Mining Sector Index and the Trade Sector Index. Third, inflation is the most dominant variable affecting the eight sectoral indices, while the rest is dominated by exchange rates

PENGARUH JUMLAH PENDUDUK, PENGANGGURAN DAN PENGELUARAN PEMERINTAH TERHADAP KEMISKINAN DI KABUPATEN TIMOR TENGAH SELATAN

Tujuan utama dari adanya pembangunan nasional ialah mensejahterakan masyarakat. Berkurangnya angka kemiskinan menjadi salah satu tolak ukur dari efektifnya program yang dijalankan dalam pelaksanaan pembangunan nasional. Penelitian ini berjudul “Pengaruh Jumlah Penduduk, Tingkat Pengangguran Terbuka, dan Pengeluaan Pemerintah Terhadap Jumlah Penduduk Miskin di Kabupaten Timor Tengah Selatan Provinsi Nusa Tenggara Timur”. Tujuan penelitian ini adalah untuk mengetahui Pengaruh Jumlah Penduduk, Tingkat Pengangguran Terbuka Terhadap Jumlah Penduduk Miskin Di Kabupaten Timor Tengah Selatan Provinsi Nusa Tenggara Timur. Metode analisis yang digunakan pada penelitian ini ialah regresi linear berganda dengan menggunakan asumsi klasik BLUE. Penelitian ini menggunakan data time-series dengan kurun waktu tahun 2010 hingga dengan tahun 2019. Pengolahan data menggunakan alat bantu program komputer SPSS versi 25.0 for windows. Berdasarkan hasil penelitian maka diperoleh hasil, jumlah penduduk tidak berpengaruh dan tidak signifikan terhadap jumlah penduduk miskin di Kabupaten Timor Tengah Selatan, sedangkan pengangguran dan pengeluaran pemerintah berpengaruh positif dan signifikan terhadap jumlah penduduk miskin Kabupaten Timor Tengah Selatan

PENGARUH NILAI TUKAR, PRODUKSI KARET INDONESIA DAN HARGA KARET INDONESIA TERHADAP EKSPOR KARET INDONESIA PERIODE TAHUN 2008 - 2019

Indonesia merupakan negara eksportir karet terbesar kedua di dunia. Ekspor karet salah satu komoditas perkebunan yang diandalkan Indonesia untuk memberikan kontribusi lebih ke pendapatan devisa negara. Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh nilai tukar rupiah terhadap dollar Amerika Serikat, produksi karet Indonesia dan harga karet Indonesia terhadap ekspor karet Indonesia periode tahun 2008-2019. Jenis penelitian yang digunakan penelitian kuantitatif. Data yang digunakan bersifat time series berupa data sekunder yang diperoleh dari instansi terkait seperti Badan Pusat Statistik Indonesia, Direktorat Jenderal Perkebunan, dan Pusat Data dan Informasi Pertanian. Teknik analisis yang digunakan adalah analisis regresi linier berganda dan menggunakan uji BLUE. Hasil penelitian menunjukkan bahwa : 1) Produksi Karet Indonesia berpengaruh terhadap perkembangan Ekspor Karet Indonesia. 2) Sedangkan Nilai Tukar Rupiah terhadap Dollar Amerika Serikat dan Harga Karet Indonesia tidak berpengaruh terhadap Ekspor Karet Indonesia.Indonesia merupakan negara eksportir karet terbesar kedua di dunia. Ekspor karet salah satu komoditas perkebunan yang diandalkan Indonesia untuk memberikan kontribusi lebih ke pendapatan devisa negara. Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh nilai tukar rupiah terhadap dollar Amerika Serikat, produksi karet Indonesia dan harga karet Indonesia terhadap ekspor karet Indonesia periode tahun 2008-2019. Jenis penelitian yang digunakan penelitian kuantitatif. Data yang digunakan bersifat time series berupa data sekunder yang diperoleh dari instansi terkait seperti Badan Pusat Statistik Indonesia, Direktorat Jenderal Perkebunan, dan Pusat Data dan Informasi Pertanian. Teknik analisis yang digunakan adalah analisis regresi linier berganda dan menggunakan uji BLUE. Hasil penelitian menunjukkan bahwa : 1) Produksi Karet Indonesia berpengaruh terhadap perkembangan Ekspor Karet Indonesia. 2) Sedangkan Nilai Tukar Rupiah terhadap Dollar Amerika Serikat dan Harga Karet Indonesia tidak berpengaruh terhadap Ekspor Karet Indonesia