Financial inclusion, financial stability and sustainability in the banking sector : the case of Indonesia

Purpose: The purpose of the present study is to analyze the effect of financial inclusion on sustainable economic growth for Indonesian banking companies, and to investigate the effect of financial inclusion on sustainable economic growth through financial system stability. Design/Methodology/Approach: This research is a quantitative study using secondary data taken from annual financial statements of banking companies listed on the Indonesia Stock Exchange (BEI) over the period 2010-2017. Findings: The results show that (a) the financial inclusion does not affect sustainable economic growth in Indonesian banking companies, and (b) the financial system stability mediates the effect of financial inclusion on sustainable economic growth in Indonesian banking companies. Practical Implications: This study provides deeper insight into the factors that drive financial inclusion and an increase in market share and financial performance of banks. With conditions of inclusion that are still low in Indonesia while the number of banks is increasing, it is necessary to have strong financial system stability. By understanding the matrix in financial inclusion, managers are well-positioned to understand the strategies needed to promote financial inclusion so that market share increases. Likewise, the results of the present study are probable to be an input for other stakeholders for their consideration in decision making. Originality/Value: Empirical research that explores the effects of financial inclusion, and sustainable economic growth in Indonesia is still very limited. According to our knowledge, no one has examined the use of financial system stability as mediation as it is used in this studypeer-reviewe

PENGGUNAAN MULTIMEDIA PRESENTASI (COMPUTER ASSISTED INSTRUCTION) UNTUK MENINGKATKAN RASA INGIN TAHU SISWA TENTANG PENGELOMPOKKAN MAKHLUK HIDUP PADA PEMBELAJARAN IPA

Penelitian ini dilatarbelakangi oleh kenyataan yang ada di lapangan selama ini belum banyak guru di SD Negeri Sukasari 1 Kota Bandung yang menggunakan dan mengoptimalkan media pembelajaran dengan berbagai kemajuan perkembangan ilmu pegetahuan dan teknologi, sehingga menyebabkan pembelajaran kurang menarik dan kurang efektif sehingga dapat berpengaruh pada rasa ingin tahu siswa dan juga hasil belajar siswa pada pembelajaran IPA masih ada yang berada di bawah KKM. Kondisi tersebut dapat diatasi dengan dilakukan penelitian tindakan kelas (PTK) dengan menggunakan multimedia presentasi untuk meningkatkan rasa ingin tahu siswa tentang pengelompokkan makhluk hidup pada pembelajaran IPA di kelas III A SDN Sukasari 1 Kecamatan Sukajadi Kota Bandung. Tujuan penelitian ini adalah untuk memperoleh gambaran tentang peningkatan rasa ingin tahu siswa dan peningkatan hasil belajar siswa dalam pembelajaran IPA tentang pengelompokkan makhluk hidup. Metode penelitian yang digunakan dalam penelitian ini adalah Penelitian Tindakan Kelas (classroom action research). Hasil penelitian menunjukkan bahwa penggunaan multimedia presentasi (computer assisted instruction) dapat meningkatkan rasa ingin tahu siswa dan juga hasil belajar siswa. Hal ini dibuktikan dengan peningkatan rasa ingin tahu siswa yaitu pada siklus I diperoleh sebanyak 13 orang memperoleh skor sangat baik dengan persentase 46,43%. Pada siklus II meningkat pada perolehan 16 orang memperoleh skor sangat baik dengan persentase 57%. Peningkatan rasa ingin tahu siswa pada indikator komponen antusiasme terhadap objek yang diamati pada siklus II siswa lebih antusias dalam mencari jawaban ditandai dengan siswa terlibat dalam penyelesaian masalah atau kegiatan kreatif ketika memasangkan gambar pengelompokkan makhluk hidup pada LKS juga hasil dari jawaban siswa lebih baik dibandingkan dengan siklus I dan untuk indikator komponen perhatian pada objek yang diamati dapat terlihat peningkatan ditandai dengan siswa mencatat data hasil pengamatan lengkap dan berurutan dengan sikap fokus dan teliti terhadap pertanyaan dalam LKS pada siklus II dibanding siklus I data hasil pengamatan lengkap namun kurang beraturan. Perolehan hasil belajar siswa yang ternyata meningkat pada setiap siklusnya. Rata-rata nilai pra siklus yaitu 68,21 dan persentase ketuntasan belajarnya 57,14% %. Rata-rata nilai post tes siklus I yaitu 74,82% dan persentase ketuntasan belajarnya yaitu 82,14 %. Dilihat dari pra siklus ke siklus I terjadi peningkatan sebanyak 9,96 %. Pada siklus II diperoleh nilai rata-rata yaitu 77,5 dengan persentase ketuntasan belajar yaitu 92,86%. Dapat dilihat terdapat peningkatan 3,58 % dari siklus I ke siklus II.. Kesimpulan dari penelitian ini yaitu penggunaan multimedia presentasi (computer assisted instruction) pada pembelajaran IPA terbukti efektif dalam meningkatkan rasa ingin tahu siswa sekaligus hasil belajar siswa di SDN Sukasari 1 kecamatan Sukajadi Kota Bandung. This research is motivated by the fact that there was, on the field, since there are not so many teacher in SD Negeri Sukasari 1 Kota Bandung is not applied and make optimal in instructional media with various progress of science and technology development, by the result, it caused unattractive and less effective in learning so it would make effect to student curiosity and also there are still under KKM in learning results in science learning. Those condition can be overcome with classroom action research (PTK) by applied of multimedia presentation to increase curiosity of student on organism classification in science learning at third grade SDN Sukasari 1 Kecamatan Sukajadi Kota Bandung. The objective of this research is to achieve the description of increasing student curiosity and increasing learning results in science learning in organism classification. The research method used classroom action research. The result of research showed that applied of multimedia presentation (computer assisted instruction) can increase curiosity and student learning results. The results shows student curiosity in first cycle is 13 person with excellent scores with 46,43% percentage. in second cycle student curiosity increasing into 16 person with excellent scores with 57 % percentage. Also at once, in fact, student learning results increasing in every cycle. The average of value student learning result in pre cycle is 68,21 with learning minimum completeness criterion (KKM) percentage is 57,14%. The average of value student learning result in first cycle is 74,82 with learning minimum completeness criterion (KKM) percentage is 82,14%. It can be seen from pre cycle to first cycle there have been increasing as much as 9,96%. In second cycle the average of value student learning results is 77,5 with learning minimum completeness criterion KKM) percentage is 92,86%. It can be seen from first cycle to second cycle have been increasing as much as 3,58%. The conclusion of research applied of multimedia presentation (computer assisted instruction) in science learning proven effective in order to increasing curiosity at once also student learning results in SDN Sukasari 1 Kecamatan Sukajadi Kota Bandung

Pengaruh Karakteristik Perusahaan terhadap Pengungkapan Pelaporan Serta Implikasinya terhadap Kualitas Laba

The purpose of this study is to test empirically whether is a significant effect between firm characteristics on the reporting disclosure, a significant effect between firm characteristics on the reporting disclosure through earnings quality, and a significant effect between the reporting disclosure on earning quality. to measure earnings quality, this study uses the Dechow and Dichev model (2002). Results of the study are that there is no relationship between firm characteristics with the reporting disclosure, exxept the size of the company; there is no relationship between firm characteristics and earnings quality through the reporting disclosure, and there is no relationship between the reporting disclosure with earnings quality

Pengaruh Kualitas Laba terhadap Nilai Perusahaan dengan Reaksi Pasar sebagai Variabel Intervening

This study aims to determine the effect of earnings quality to firm value with market reaction as intervening variable. This study conducted by using the secondary data. Analysis method was the multiple linear regression analysis by utilizing SPSS 22 program and path analysis. The population in this study is the manufacturing companies listed on the Indonesian Stock Exchange during the period 2010-2015. The determination of the sample used a purposive sampling method and obtained 104 companies as a sample. The result showed that (a) earnings quality significantly negative affect on firm value, (b) earnings quality doesn\u27t effect significantly of firm value through market reaction,  (c) earnings quality doesn\u27t effect significantly of market reaction and (d) debt equity ration and leverage as control variable, only debt quity ratio significantly effect of firm value . Keywords: earning quality, firm value, market reaction, abnormal retur

Improved Predictive Power Control of Cdma System in Rayleigh Fading Channel

In this paper an improved prediction-based power control is proposed for code division multiple access (CDMA)systems in Rayleigh fading channel environments. One of the most serious problems which degrades the performanceof power control algorithm is the effect of feedback delay. To overcome the effect of feedback delay, power controlneeds to employ prediction algorithm which utilises the correlation property of the past channel samples measurementsto predict the future sample values. In CDMA power control, however, the correlation property of channelmeasurements is destroyed because the transmit power is continuously updated for each power control interval. Theprediction algorithm in this paper uses the recursive least square (RLS) technique and an improved predictor algorithmis proposed to compensate for the channel correlation. The result shows that the performance of improved predictivepower control proposed in this paper evaluated in terms of bit error rate (BER) as a function of bit energy-tointerferencepower density ratio Eb/Io improved significantly from that of the conventional predictor

Cdm Potential in Palm Solid Waste Cogeneration as an Alternative Energy in Aceh Province

Empty Fruit Bunch (EFB) as a solid waste in Crude Palm Oil (CPO) industry does not utilized yet as an alternative energy source to generate electricity. It is well known that use of solid wate (biomass) as an energy source is part of the Clean Development Mechanism (CDM) scheme due to direct reduction of Green House Gases (GHGs) emission and provide a direct contribution to sustainable development. Utilization of EFB as a source of energy is very potential to be implemented in Aceh since this province has 25 CPO Mills at the moment which actively produce about 870,000 ton EFB per year. This study is subjected to evaluate the potency of electricity  from EFB theoretically by using primary data (survey data) and secondary data. Potency of EFB and number of electricity produced from that EFB are estimated using primary data and direct combustion scenario, respectively. Calculation methods for emission reduction acieved are done by AMS-I.D: Renewable electricity generation to the grid and AMS-III.E: Methane emissions avoided from dumping at a solid waste disposal site. The result of this investigation shows that energy consumption in 25 CPO Mills is 45 GW(e)h per year. Evidently, the number of energy/electricity which is potential to be produced by using 75% EFB is 1,047 GWh per year; so that the GHGs emission reduction up to 171,232.21 tCO2e per year