Analisis Kualitas Pelayanan terhadap Kepuasan Nasabah PT. WOM Finance Wonogiri

Analysis of Service Quality Towards Customer Satisfaction PT. WOM Finance Wonogiri. Thesis, Management Study Program (S1). Surakarta Batik Islamic University, 2019. This study aims to determine the effect of service quality consisting of tangibles, reliability, responsiveness, assurance, empathy simultaneously and partially on customer satisfaction at PT WOM Finance Wonogiri.. This research uses quantitative research methods. Data sources used in this study were respondents or people who responded or answered the researchers' questions, namely customers of PT. WOM Finance Wonogiri. Data collection methods used observation, questionnaire, and documentation. This study uses classical assumption test techniques, multiple linear regression analysis, and hypothesis testing (t test,f test, and coefficient of determination). The results of data analysis obtained there are tangibles,reliability, responsiveness, assurance,empathy effect simultaneously and partially to customer satisfaction at PT WOM Finance Wonogiri. Keywords: tangibles, reliability, responsiveness, assurance, empathy (empathy), customer satisfactio

Toward a process theory of entrepreneurship: revisiting opportunity identification and entrepreneurial actions

This dissertation studies the early development of new ventures and small business and the entrepreneurship process from initial ideas to viable ventures. I unpack the micro-foundations of entrepreneurial actions and new ventures’ investor communications through quality signals to finance their growth path. This dissertation includes two qualitative papers and one quantitative study. The qualitative papers employ an inductive multiple-case approach and include seven medical equipment manufacturers (new ventures) in a nascent market context (the mobile health industry) across six U.S. states and a secondary data analysis to understand the emergence of opportunities and the early development of new ventures. The quantitative research chapter includes 770 IPOs in the manufacturing industries in the U.S. and investigates the legitimation strategies of young ventures to gain resources from targeted resource-holders.Open Acces

Effect of Understanding Financial Management, Regional Financial Accounting Systems, Effectiveness of Internal Control, and Commitment Towards Financial Performance of North Sulawesi Province

This study aims to determine, the effect of understanding financial management, regional financial accounting system, effectiveness of internal control and organizational commitment towards financial performance of region and city governments in the province of North Sulawesi. The type of this research is quantitative. The population are all Regional Work Unit (SKPD) government financial managers of North Sulawesi, the respondents are 125 respondents as financial managers namely PPK-SKPD, Head of Finance and Financial Staffs. The Data method is using questionnaires and the analysis is using multiple regression analysis. The result shows that the understanding of financial management and effectiveness of internal control have a significant effect to the financial performance, while the regional financial accounting system and organizational commitment are not significant

Analisis Kinerja Pengelolaan Keuangan Daerah dan Pengaruhnya terhadap Tingkat Kemiskinan di Kota Pekanbaru

The purpose of this research is to know if the management of finance Pekanbaru city was managed well, effective and efficient and if the management of finance is influenced toward the degree of society poverty Pekanbaru city. This research was conducted by using quantitative descriptive analysis method and double linear regression analysis. The data was collected by finding references and the field research was conducted in Development Planning Agency at Sub-National Level (Bappeda) Pekanbaru city, Central Bureau of Statistics (BPS) Pekanbaru city and Local Revenue Offices (Dispenda) Pekanbaru city. The result of research shows that in the seventh years lately (2006-2012) the degree of finance autonomy still in criterion “less” with the correlation pattern with center government has characteristic “instructive”, the degree of finance competence still in criterion “less”, the finance activity is included in criterion “good”, the finance effectivity is included in effective criterion, the finance efficiency is included in criterion “efficient”, the growth of finance is included in criterion “good”, whereas the degree of poverty is not taking down thoroughly. Neither in partial nor in simultaneously the management of finance is not influenced significantly toward the degree of poverty in Pekanbaru city

Peran Barrier Memoderasi Pengaruh Motivasi dan Enabler terhadap Perilaku Berbagi Pengetahuan Pegawai

This study aims to investigate and analyze the effect of motivation, enabler and enabler on knowledge sharing behavior in Ministry of Finance with barrier as moderating variable. This study adopts a quantitative method with a sample of 100 employees of Ministry of Finance. The data employed are primary data derived from questionnaire. Moderated Regression Analysis (MRA) is used to analyse the data. From the results of the study, it was found that motivation and enabler had a significant and positive effect on the knowledge sharing behavior of Ministry of Finance employees. The results also showed that the barrier did not moderate the influence of motivation or enabler on the knowledge sharing behavior of MoF employees

Estimating revenues from tax reform in transition economies

Quantitative analysis is a key aspect of the design and evaluation of tax policy. To make informed decisions, policymakers should know how much revenue is collected and from whom. The tax reform planned for transition economies should include the introduction not only of new tax structures but also of new models to estimate revenues. Preliminary methodologies can be developed in time to influence the current discussions on the design of tax legislation. These efforts will also lay the groundwork for the further development of data bases and models that will be used to evaluate tax policy in the years ahead. ; This paper provides an introduction to quantitative techniques for analyzing tax reforms. Section I discusses three interrelated functions of tax analysis departments. These functions are (1) forecasting tax receipts, (2) estimating revenues resulting from changes in tax laws, and (3) analyzing the economic effects of tax laws. Section II lays out a general conceptual framework for preparing these analyses. Section III presents examples of relatively simple techniques for forecasting, estimation, and analysis for a value-added tax. Section IV offers conclusions.International finance ; Tax reform

Statistics of Risk Aversion

Information about risk preferences from investors is essential for modelling a wide range of quantitative finance applications. Valuable information related to preferences can be extracted from option prices through pricing kernels. In this paper, pricing kernels and their term structure are estimated in a time varying approach from DAX and ODAX data using dynamic semiparametric factor model (DSFM). DSFM smooths in time and space simultaneously, approximating complex dynamic structures by basis functions and a time series of loading coefficients. Contradicting standard risk aversion assumptions, the estimated pricing kernels indicate risk proclivity in certain levels of return. The analysis of the time series of loading coefficients allows a better understanding of the dynamic behaviour from investors preferences towards risk.Dynamic Semiparametric Estimation, Pricing Kernel, Risk Aversion.

Fokus Brasilien - Vor den Wahlen am 3. Oktober 2010

Project finance is a financing arrangement for projects, and it is characterised by the creation of a legally independent project company financed with non- or limited recourse loans. It is observed that the popularity of project finance is increasing in the recent decades, despite of the impact of Asian financial crisis. Especially in emerging markets, project finance is very common among the public-private partnership projects. It is possible that project finance yields some benefits in project management that other forms of funding are not able to provide. This research aims to explore the impacts of project finance on the risk management of projects, as well as the mechanisms of the effects of various factors on project risk management. The research starts with a quantitative analysis which consists of project data from 32 projects in recent years. The regression analysis on these quantitative data reveals that factors such as the separation of legal entity and existence of third-party guarantees can effectively reduce the borrowing rates of the projects. The borrowing rates, expressed in terms of credit spreads over LIBOR, are regarded as a proxy for the overall risk level of the projects. The qualitative section which involves five structured interviews further explores the relationships of the attributes of project finance on project risk management. The interviewees largely agrees on the effects of the separation of legal entity, non- or limited recourse loans, and the existence of third-party guarantees in managing political and country risks, business risks, and principal-agency risks. The involvement of a larger number of stakeholders in the projects enable the project to enhance its risk management ability by gaining external expertise and knowledge, influences on government policies, and more importantly, closer supervisions on project activities. Apart from revealing the important features of project finance, and the potential benefits it may yield on project risk management, the effectiveness of these features are also discussed. The study also examines the relationships between these features and the common risk factors which may affect all projects. Some recommendations to enhance the benefits of project finance and reduce the associated transaction costs are made based on this study

Active vs. Passive Portfolio Management

In the finance community there is a huge debate about whether or not active portfolio managers can provide better returns than passive managers. While active managers often provide excess returns, the costs of running an active fund offset whatever gains were made in the market. The objective of this report is to figure out whether or not active funds provide larger returns than passive funds on a cost adjusted basis. This report will identify which type of fund is a more cost effective investment, as well as identify different properties of funds and how they operate. The goal of doing this research is to provide information to the average investor, rather than a multi-millionaire, about what kind of fund may be more appropriate for them to invest in. To successfully complete this project I collected quantitative fund data from fidelity, and qualitative information from various finance and business journals. After running a multivariate analysis of variance on my data I found that passive funds in the 1 year period provided significantly greater returns than active funds on a cost adjusted basis. Next, over the 3 year period, there was no significant difference between the returns of active and passive stock funds. However, during the 5 year period return active funds proved to be a more cost effective investment strategy. From my results I have concluded that active portfolio management is not a more cost effective investment tool than passive management