Analysis of Factors Affecting the Loan to Funding Ratio at Commercial Banks Listed on Indonesia Stock Exchange Year 2011 - 2016

The capital market is one of the long-term alternative funding options for companies, including companies in the banking sector.This study aims to identify and analyze the influence of Cap (Capital Adequacy Ratio (CAR), Non Performing Loan (NPL) and Operational Costs to Operating Income (BOPO) affecting Loan To Funding Ratio (LFR) as well as to know and analyze the factors that most influence on Loan To Funding Ratio (LFR) at Commercial Banks listed on the Indonesia Stock Exchange. The type of research used in this study is quantitative approach. The quantitative approach bases the study of empirical rational principles. The quantitative approach bases the study of empirical rational principles. Therefore, before doing the research the researcher must find the problem and hypothesis to be tested based on the criteria specified and the analytical tool used multiple linear regression to know the relation of Capital Adequacy Ratio, Non Performing Loan (NPL), Operating Cost to Operational Revenue (BOPO) on financial performance is measured using the Loan to Funding Ratio (LFR) ratio. The result of the research shows that Capital Adequacy Ratio (CAR) has significant influence to Loan to Funding Ratio (LFR), Non Performing Loan (NPL) has significant effect to Loan to Funding Ratio (LFR), BOPO has no significant effect on Loan to Funding Ratio (LFR) at Commercial Commercial Banks listed on the Indonesia Stock Exchange. While Capital Adequacy Ratio, Non performing Loan and BOPO there is a simultaneous or simultaneous relationship to Loan to Funding Ratio (LFR) at Commercial Bank Commercial listed in Indonesia Stock Exchange  Keywords: Non performing Loan, BOPO, Loan to Funding Rati

Accountability in Health care Services: A Study at Community Lung Health Care Center of Makassar, Indonesia

This research is a qualitative descriptive study that aims to provide an overview of the accountability of health services at Community Lung Health Care Center of Makassar. There are eight informants as the main data source and documents as secondary data sources. Data were collected through in-depth interviews and document review. Miles and Huberman data analysis was used for data analysis. The findings revealed that there were twelve indicators of service to health services at Community Lung Health Care Center of Makassar. The results of the study examined the achievement of the realization of the indicator towards the target achieved. The obstacles found in the process of health services are the patient's lack of knowledge about health services which are offered at at Community Lung Health Care Center of Makassar, the need for a change in status to a special pulmonary hospital and increasing the capacity of human resources. There are some ways to figure out the obstacles; large-scale promotions, status change drafting teams, and training for health worker need to be held

MICROLOAN CONSTRAINTS IMPOSED BY COMMERCIAL BANK BRANCHES IN THE SOUTH AND WEST SULAWESI PROVINCE

This study is aimed to identify possible constraints to which loan officers assigned in state and regional development bank branches are unwillingness to supply loan to micro businesses, as well as to how an integrated constraints is built to affect loan officers’ judgment and decision to grant loan to those micro customers.  The sampling covered 122 loan officers assigned in four state banks and five different regional banks. All of these are based within South and West Sulawesi Province in Indonesia. On the basis of the statistical analysis result using LISREL Program 9.2, The three paths indicated a positive and significant relationship with a different coefficient parameter for each.  The external-specific condition affects positively and significantly the internal-specific condition, and the external-specific condition also affects positively and significantly the loan officer judgment(s) and decision(s), the internal-specific condition affects positively and significantly the loan officer judgment(s) and decision(s) as well.Â

MICROLOAN CONSTRAINTS IMPOSED BY COMMERCIAL BANK BRANCHES IN THE SOUTH AND WEST SULAWESI PROVINCE

This study is aimed to identify possible constraints to which loan officers assigned in state and regional development bank branches are unwillingness to supply loan to micro businesses, as well as to how an integrated constraints is built to affect loan officers’ judgment and decision to grant loan to those micro customers.  The sampling covered 122 loan officers assigned in four state banks and five different regional banks. All of these are based within South and West Sulawesi Province in Indonesia. On the basis of the statistical analysis result using LISREL Program 9.2, The three paths indicated a positive and significant relationship with a different coefficient parameter for each.  The external-specific condition affects positively and significantly the internal-specific condition, and the external-specific condition also affects positively and significantly the loan officer judgment(s) and decision(s), the internal-specific condition affects positively and significantly the loan officer judgment(s) and decision(s) as well.

The effect of trading volume, trading frequency, and order imbalance on the stock price volatility of LQ45 company in 2017-2019

The Effect of Trading Volume, Trading Frequency, and Order Imbalance on the Stock Price Volatility of LQ45 Company in 2017-2019 (Supervised by Cepi Pahlevi and Andi Aswan). The volatility of a stock will also reflect the risks and opportunities that investors can obtain. The Risks can come from the external of the company, and the specific risks are called non-systematic risk. Non-systematic risk can be avoided through diversification, while systematic risk is unavoidable, and every company will definitely be affected. Besides paying attention to risk, investors also need to pay attention to other indicators in technical analysis that will affect stock price volatility, such as trading volume, trading frequency, and the absolute differences between demand and supply volume (order imbalance). These indicators will assist investors in making decisions to make transactions in the capital market. This research aimed to analyze the effect of trading volume, trading frequency, and order imbalance on the stock price volatility of LQ45 company in 2017-2019. The research design used in this research was quantitative research. This research was conducted on LQ45 company in the IDX. The population in this research was all the companies listed on LQ45 in 2017-2019. The sampling technique used the purposive sampling technique. The results showed that there was an effect of trading volume, trading frequency, and order imbalance on stock price volatility of LQ45 company in 2017-2019; therefore, it is recommended that the potential investors who want to invest in stocks need to pay attention to the factors that influence stock price volatility, those are trading volume and orders imbalance because those factors are proven to have a significant effect on stock price volatility in companies listed in the LQ45 index

PENGEMBANGAN MODEL SENAM KEBUGARAN JASMANI LEGAH (LANSIA SEHAT BUGAR BAHAGIA) BERBASIS TARI TRADISIONAL SULAWESI-SELATAN

Kebugaran jasmani yang berhubungan dengan kesehatan terdiri dari lima komponen dasar adalah daya tahan kardiovaskuler, kekuatan otot, daya tahan otot, flexibility dan komposisi tubuh. Tujuan dari penelitian ini adalah untuk mengetahui model kebugaran jasmani yang sesuai pada lansia dengan senam LEGAH. secara khusus tujuan dari penelitian pengembangan ini adalah: 1) Mengembangkan model senam kebugaran untuk lansia yang efektif dan menyenangkan berbasis tari padduppa Sulawesi Selatan. 2) Model senam kebugaran jasmani berbasis tari padduppa sulawesi selatan ini diharapkan efektif meningkatkan kebugaran daya tahan Jantung Paru pada lansia. Penelitian ini menggunakan model penelitian dan pengembangan (Research and Development). Partisipan yang terlibat dalam penelitian ini berjumlah 80 lansiayang rata- rata usianya 63 tahun. Instrumen pengumpulan data dengan pada saat ujicoba kelompok kecil dan besar menggunakan kuesioner untuk mengetahui kebermanfaatan produk. Sedangkan uji efektivitas menggunakan metode Rockport dengan prosedur lintasan datar sepanjang 1,6 km, alat pencatat waktu (stop watch), dan sepatu olahraga. Semua partisipan mengikuti tes kebugaran jasmani untuk mengetahui kebugaran mereka. Berdasarkan hasil ujicoba kelompok kecil dan besar menyatakan bahwa model senam yang dikembangkan bermanfaat untuk latihan kebugaran jasmani pada lansia. Sedangkan pada uji efektivitas menyatakan bahwa model latihan senam paddupa lebih efektiv dalam meningkatkan kebugaran jasmani daya tahan jantung paru pada lansia. Kesimpulan dalam penelitian ini yaitu model latihan senam LEGAH yang dipadukan dengan tarian dapat meningkatkan kebugaran jasmani daya tahan jantung paru lansia dengan penerapan selama 8 minggu. Health-related physical fitness consists of five basic components, namely cardiovascular endurance, muscle strength, muscle endurance, flexibility and body composition. The purpose of this study was to find out the appropriate physical fitness trainingmodel for the elderly with LEGAH gymnastics. Specifically, the objectives of this developmentresearch are: 1) To develop an effective and fun fitness gymnastic model for the elderly based on the South Sulawesi Padduppa dance. 2) The South Sulawesi Padduppa dance-based fitnessgymnastic model is expected to be effective in increasing fitness in the elderly. This study usesa research and development model (Research and Development). The participants involved in this study were 80 elderly people with an average age of 63 years. Data collection instruments at the time of small and large group trials used questionnaires to determine the usefulness of the product. While the effectiveness test uses the Rockport method with a 1.6 km flat track procedure, a stop watch, and sports shoes. All participants took a physical fitness test to determine their fitness. Based on the results of small and large group trials, it was stated that the exercise model developed was useful for fitness training in the elderly. Meanwhile, the effectiveness test stated that the paddupa exercise model was more effective in increasing physical fitness in the elderly. The conclusion in this study is that the LEGAH exercise model combined with dance can improve the physical fitness of the elderly by applying it for 8 weeks

PENGARUH KEMUDAHAN, KEMANFAATAN, DISKON, DAN CASHBACK TERHADAP KONSUMSI MAHASISWA MENGGUNAKAN E-WALLET

Penggunaan E-wallet sebagai salah satu alat pembayaran non tunai menjadi semakin berkembang. Meskipun demikian, masih terdapat kelompok masyarakat yang masih enggan menggunakannya salah satunya karena pertimbangan risiko. Penelitian ini bertujuan untuk menganalisa pengaruh persepsi kemudahan penggunaan, persepsi kemanfaatan, persepsi diskon dan cashback, terhadap tingkat pengeluaran mahasiswa dengan menggunakan e-wallet. Penelitian ini menggunakan sample terdapat 70 Mahasiswa yang menjadi sampel dengan menjawab daftar pertanyaan melalui kusioner online yang disebar. Penelitian ini menggunakan teknik analisis kuantitatif dengan metode regresi linear berganda. Berdasarkan hasil penelitian, persepsi kemudahan penggunaan, dan persepsi kemanfaatan berpengaruh positif namun tidak signifikan terhadap persentase konsumsi. Sedangkan, variabel persepsi diskon dan cashback berpengaruh positif dan signifikan terhadap persentase konsumsi Mahasiswa menggunakan e-wallet

The Effect Of Good Corporate Governance On Company Value With Financial Performance As An Intervening Variable For Subsector Metal And Mineral Companies Listed On Indonesian Stock Exchange Period 2016-2021

This study aims to determine the effect of good corporate governance on firm value with financial performance as an intervention variable in metal and mineral mining sub-sector companies listed on the Indonesian stock exchange in 2016-2021. The population in this study are companies listed as metal and mineral mining sub-sector companies. This research was conducted by retrieving the company's financial data information that has been published by the company or the Indonesia Stock Exchange on its website with a quantitative method. The sample of this study used a purposive sampling method where the sampled companies had to meet complete data requirements from 2016 to 2021. In analyzing the research data using the SPSS version 25 application. The results of the study found that the influence of institutional ownership, managerial ownership, independent commissioners and returns on equity has a significant effect on firm value. Meanwhile, financial performance as an intervening variable cannot influence institutional ownership, managerial ownership, independent commissioners and audit committees on price-to-book value

Hubungan Tingkat Depresi dengan Kualitas Hidup Pasien Gagal Ginjal Kronik di Rumah Sakit Umum Kota Makassar

Gagal ginjal kronik (GGK) adalah suatu proses patofisiologis dengan etiologi yang beragam, mengakibatkan penurunan fungsi ginjal yang progresif, dan umumnya berakhir dengan gagal ginjal. Selanjutnya, gagal ginjal adalah suatu keadaan klinis yang ditandai dengan penurunan fungsi ginjal yang ireversibel, pada suatu derajat yang memerlukan terapi pengganti ginjal yang tetap, berupa dialisis atau transplantasi ginjal. Tujuan penelitian adalah untuk mengetahui hubungan tingkat depresi dengan kualitas hidup pasien gagal ginjal kronik di RSU Kota Makassar. Penelitian ini menggunakan metode analisa dengan pendekatan cross sectional . Sampel yang dipilih sebanyak 30 responden yang merupakan pasien gagal ginjal kronik di RSU Kota Makassar. Data diambil dengan menggunakan kuesioner. Data di analisis menggunakan chi-square dengan nilai alpa (0.0001) Karakteristik responden di Rumah Sakit Umum Kota Makassar dari 30 responden sebanyak 25 responden atau 83.3 %, tidak depresi dan memiliki kualitas hidup baik dan tidak ada responden yang tidak depresi memiliki kualitas hidup buruk. Sementara ada 5 responden atau 16.7 % dari 30 responden yang depresi dan memiliki kualitas hidup buruk dan tidak ada responden yang depresi yang memiliki kualitas hidup baik. Hasil penelitian ini menunjukkan ada hubungan yang signifikan antara tingkat depresi dengan kualitas hidup ditandai dengan nilai p (0.000) yang berarti < nilai alpa (0.001). Memperhatikan hasil penelitian ini, diharapkan untuk peneliti selanjutnya dapat melibatkan factor lain yang berhubungan pasien gagal ginjal kronik