Financial Technology in Indonesia: Effect of Risk on Financial Performance in Peer-To-Peer Lending

This study aims to acquire empirical evidence related to the effect of risk on financial performance in peer-to-peer lending in Indonesia. By exploring the financial statements throughout 2019-2020. The test uses a panel data regression model, the Common Effect Model as the selected estimation regression model. Financial risk is measured by Operating Income Operating Expenses (BOPO), Net Interest Margin (NIM), Loan to Deposit Ratio (LDR), Debt to Asset Ratio (DAR), Debt to Equity Ratio (DER), and Capital Adequacy Ratio (CAR). In contrast, financial performance is measured by Return on Assets (ROA) and Return on Equity (ROE). The results of this study showed that the solvency risk projected by DAR, DER, and CAR had proven to influence the profitability of peer-to-peer lending in Indonesia projected by both ROA and ROE

Evaluasi Kinerja Keuangan Daerah Terhadap Anggaran Pendapatan dan Belanja Daerah Provinsi Papua Tahun 2016-2020

Keuangan daerah menjadi penopang penyelenggaraan pemerintahan dan pembangunan di daerah. Kepala Daerah memiliki kewenangan dalam mengelolanya. APBD harus dikelola sebaik-baiknya bagi kepentingan masyarakat. Oleh sebab itu perlu dilakukan evaluasi terhadap kinerjanya. Penelitian ini bertujuan untuk mengevaluasi kinerja keuangan daerah Provinsi Papua serta menganalisis kesesuaian antara perencanaan dengan realisasi APBD Pemerintah Provinsi Papua. Penelitian ini berjenis kualitatif. Teknik pengumpulan data dilakukan dengan observasi, studi pustaka, dan dokumentasi. Hasil penelitian menunjukan bahwa, secara umum, evaluasi APBD mencakup perencanaan, penyusunan, pelaksanaan, dan pelaporan. Ditemukan ketidaksesuaian antara perencanaan dengan realisasi APBD oleh Pemerintah Provinsi Papua. Hal ini terjadi karena pengaruh pendapatan APBD terhadap kinerja pembangunan Provinsi Papua tidak signifikan

PERBANDINGAN GAYA HIDUP ETNIS CINA

This study aims to determine the lifestyle of ethnic Chinese and ethnic Bali in Yogyakarta and the diference in his lifestyle. The research was conducted by taking a sample of Chinese and Balinese masyarakatetnis in Yogyakarta and aged between 20 to 49 years. The results of this study showed no diference between ethnic Balinese lifestyle with ethnic Chinese. The results of this study also showed a diference in price awareness and confdence between ethnic Balinese ethnic Chinese.Keywords : lifestyle of ethnic, consumer behavio

Manajemen modal kerja

ix, 157 p. : il.; 22 cm

Manajemen Modal Kerja

Yogyakartavii, 132 hal.: ilus.; 23 c