Pengaruh Return On Assets(ROA) Dan return On Equity(ROE) terhadap Kinerja Kesehatan Capital Adequacy Ratio(CAR) Pada Bank BTPN

Banking is currently being demanded to be able to increase its profitability because profitability is the net end result of various management policies and decisions. This ratio describes the level of effectiveness in managing banking assets if the profit generated by the bank is high it will also have an impact on own capital which can improve the health of the bank related to the Capital Adequacy Ratio (CAR). The research method used is multiple linear regression analysis method. The type of research used is quantitative research. Source of data is secondary data. The data collection technique is a documentation technique. Data processing using SPSS 16. Data analysis used included descriptive test, classical assumption test, multiple linear regression test, hypothesis test, and coefficient of determination test. Hypothesis testing using t test shows that: 1) Return on Assets (ROA) has a positive and significant effect on the Capital Adequacy Ratio (CAR); 2) Return On Equity (ROE) does not have a positive effect on the Capital Adequacy Ratio (CAR); and 3) the F test is known that simultaneously Return On Assets (ROA), Return On Equity (ROE) have a significant positive effect on the Capital Adequacy Ratio (CAR). Then the coefficient of determination (R2) is 0.172 or 17.2%. This means that the contribution of Return On Assets (ROA), Return On Equity (ROE) to Bank BTPN's Capital Adequacy Ratio (CAR) is 84.1%, while the remaining 15.9% is explained by other variables.

An Analytical Study of Working Capital Management of Selected Cement Companies in India

This article is to analyze and evaluate working capital management of selected cement companies. The main purpose of this study is to find out the liquidity position of selected cement companies in India, five companies were selection .The duration of study is five years start from 2015-16 to 2019-20. Two ratios were used for the analysis of data: current ratio quick ratio. To test hypothesis ANOVA was used. The major findings of the study indicate that there are significance difference in the quick ratio and current ratio of selected cement companies. Based on the data analysis, there is a mixed trend in the current ratio during the year 2015-16 to 2019-20. The analysis also shows the ups and down in the quick ratio of the selected cements companies during the period of 5 year. It indicates that there is mixed trend in quick ratio during the year 2015-16 to 2019-20. Removing short-term debt from balance sheet allow companies to have better quick and current ratios and allow to save some of liquidity in the near term and put in to better use. Companies are suggested to adopt more aggressiveness in maintaining their current rasio.

IMPLEMENTASI MULTIMEDIA BASED LEARNING VIA SELF VIDEO RECORDING (SVR) UNTUK MENINGKATKAN KEMAUAN SISWA SMKN 2 BANDAR LAMPUNG DALAM BERKOMUNIKASI

One of the keys to the success of learning English is the growth of students' willingness to actively speak in order to implement the theory they have learned. As is usually a skill, if you don't get used to it, it will definitely feel heavy and difficult. That's what happened to class XII DPIB 2 students, where on average they were reluctant to speak, either asking or answering the teacher's questions. They are passive, and mostly silent. There are many things behind their fear such as fear of being wrong, fear of shame, and lack of confidence due to lack of vocabulary and speaking practice. This study aims to increase students' willingness to implement learning using Self Video Recording (SVR) to increase students' willingness to speak and what aspects are most influenced by SVR. This research was conducted at SMK Negeri 2 Bandar Lampung for two months, namely January and February 2019 for class XI students majoring in Information and Building Modeling Design (DPIB). The author uses a one-group pretest-posttest design, where students are presented with questions on a questionnaire about willingness to communicate. The questionnaire contains 25 questions that are able to reveal in what situations they want to communicate in English class. To achieve the goal, the writer did 1x pretest, 3x treatment, and 1x posttest. After comparing the results of the pretest and posttest, the test hypothesis which states that the implementation of learning using self video recording can show a significant difference before and after the implementation of learning as long as the T-value > T-table with a significant level below 0.05. ABSTRAKSalah satu kunci keberhasilan pembelajaran Bahasa Inggris adalah tumbuhnya kemauan siswa untuk aktif berbicara guna mengimplementasikan teori yang telah mereka dapatkan. Sebagaimana lazimnya sebuah keahlian, jika tanpa dibiasakan pasti akan terasa berat dan sulit. Begitulah yang terjadi pada siswa kelas XII DPIB 2, dimana rata-rata mereka enggan berbicara, baik bertanya ataupun menjawab pertanyaan guru. Mereka pasif, dan lebih banyak diam. Ada banyak hal yang melatarbelakangi ketakutan mereka seperti takut salah, takut malu, dan tidak punya kepercayaan diri karena minimnya kosa kata dan latihan bicara. Pada penelitian ini bertujuan untuk meningkatkan kemauan siswa dengan implementasi pembelajaran menggunakan Self Video Recording (SVR) dapat meningkatkan kemauan siswa dalam berbicara dan aspek apakah yang paling banyak dipengaruhi oleh SVR. Penelitian ini dilaksanakan di SMK Negeri 2 Bandar Lampung selama dua bulan, yaitu Januari dan Februari 2019 pada siswa kelas XI jurusan Desain Pemodelan Informasi dan Bangunan (DPIB). Penulis menggunakan desain one-group pretest-posttest, dimana para siswa disajikan pertanyaan-pertanyaan pada sebuah kusioner tentang kemauan berkomunikasi (willingness to communicate). Kuesionaer tersebut berisi 25 pertanyaan yang mampu mengungkap pada situasi seperti apa mereka mau berkomunikasi pada kelas Bahasa Inggris. Untuk mencapai tujuan, penulis melakukan 1x pretest, 3 x perlakuan, dan 1x posttest. Setelah membandingkan hasil pretest dan posttest, maka hipotesa tes yang menyatakan bahwa implementasi pembelajaran menggunakan self video recording dapat menunjukkan perbedaan yang signifikan sebelum dan sesudah pelaksanaan pembelajaran selama T-value > T-table dengan tingkat signifikan dibawah 0,05.

Distinguishing Between Models and Hypotheses: Implications for Significance Testing

In the debate about the merits or demerits of null hypothesis significance testing (NHST), authorities on both sides assume that the p value that a researcher computes is based on the null hypothesis or test hypothesis. If the assumption is true, it suggests that there are proper uses for NHST, such as distinguishing between competing directional hypotheses. And once it is admitted that there are proper uses for NHST, it makes sense to educate substantive researchers about how to use NHST properly and avoid using it improperly. From this perspective, the conclusion would be that researchers in the business and social sciences could benefit from better education pertaining to NHST. In contrast, my goal is to demonstrate that the p value that a researcher computes is not based on a hypothesis, but on a model in which the hypothesis is embedded. In turn, the distinction between hypotheses and models indicates that NHST cannot soundly be used to distinguish between competing directional hypotheses or to draw any conclusions about directional hypotheses whatsoever. Therefore, it is not clear that better education is likely to prove satisfactory. It is the temptation issue, not the education issue, that deserves to be in the forefront of NHST discussions.

THE EFFECT OF SERVICE QUALITY AND SATISFACTION ON LOYALTY IN MEMBERS OF “KSPPS BMT MANDIRI SEJAHTERA JAWA TIMUR”

ABSTRAKPenelitian bertujuan mengetahui kualitas pelayanan dan kepuasan berpengaruh terhadap loyalitas anggota “KSPPS BMT Mandiri Sejahtera Jawa Timur” secara parsial dan simultan dengan data dari hasil kuisioner secara aksidental dengan sampel 100 anggota BMT dan diuji instrumen. Pengujian regresi berganda Y = a + b1.x1 +b2.x2 menghasilkan persamaan regresi berganda Y = 3,793 + 0,316 + 0,477, uji asumi klasik (normalitas multikoliniearitas, heteroskedastistas), dan uji hipotesis berdasar uji T ditemukan hipotesis pertama dan kedua diterima, kualitas pelayanan dan kepuasan masing-masing memengaruhi loyalitas dengan kualitas pelayanan lebih dominan mempengaruhi loyalitas. Hasil simultan hipotesis uji F kedua variabel bersama-sama berpengaruh terhadap loyalitas.Kata Kunci: Kualitas Pelayanan, Kepuasan, Loyalitas, Baitul Maal Tamwil. ABSTRACTThe purpose of the study is to find out whether service quality and satisfaction affect the loyalty of members of "KS PPS BMT Mandiri Sejahtera East Java" partially and simultaneously with data from the accidental questionnaire results, with a sample of 100 BMT members and tested by using some instruments. The multiple regression test of Y = a + b1.x1 +b2.x2 gave the multiple regression equation of Y = 3.793 + 0.316 + 0.477, and classic assumption test (multicollinearity normality, heteroscedasticity), and hypothesis testing based T- test found that the first and second hypotheses are accepted, and service quality and satisfaction each influence loyalty with service quality more dominantly affects loyalty. The simultaneous results of the two variables of F test hypothesis together have an effect on loyalty.Keywords: Service Quality, Satisfaction, Loyalty, Baitul Maal Tamwil

Apakah Yang Memengaruhi Kesadaran Mahasiswa Atas Pajak?

The objective of study is to analyze affect of tax education, tax training and tax assessment on student awareness of tax. The research sample are 101 respondents who were active students in the Tax Center with accidental sampling techniques in several universities in Jakarta area. Multiple regression was used to test hypothesis to analyze affect of factors that student awereness of tax. The result of this study shows that there has no a positive and not significant effect on tax education, but there has a positive and significant effect on tax training and tax assesment on student awareness of tax.

Gender dimensions of the impact of HIV/AIDS on stunting in children under five years in Zimbabwe

Background HIV/AIDS can have a disastrous effect on household food and nutrition security outcomes such as stunting in children under 5. However, stunting and HIV/AIDS are highly gendered phenomena that need to be explored in order to get an in-depth understanding of the interrelationship. This study was therefore aimed at investigating gender dimensions of the impact of HIV/AIDS on stunting in children under 5 years in Zimbabwe. Methods The study uses a large scale nationally representative cross-sectional dataset of 13,854 Zimbabwean households for the year 2019. To test hypothesis 1, the study employs binary choice models (Probit and Logit) since the outcome variable household HIV/AIDS status is dichotomous. To test hypothesis 2 and 3, the study employs the Propensity Score Matching (PSM) approach to circumvent the self-selection problem in the creation of treatment and control groups for households affected by HIV/AIDS and those that are not. Results The results revealed that household HIV/AIDS status is independent of the gender of household head. On the other hand, the results for the PSM estimates show that the probability of the household having a stunted child under 5 years is higher for households with an HIV positive member compared to those without. In addition, female headed households with an HIV positive member are more likely to have a stunted child under 5 years compared to male headed households under similar circumstances. Conclusion Overall, the results provide evidence of a higher risk of stunting among children from households affected by HIV/AIDS. The study offers three major findings. Firstly, the study finds no significant association between gender of the household head and household HIV/AIDS status. Secondly, households that have at least one HIV positive member are more likely to have a stunted child under 5 years. Lastly, female headed households with at least one HIV positive member are more likely to have a stunted child under 5 years compared to male headed household with similar HIV/AIDS status. The findings have important policy implications towards improved integration of HIV/AIDS status, household head gender and child nutrition services in affected households.

The determinants of variables for the success of business models oriented for sharing: the view of Brazilian consumers

The objective proposed by the present study is to identify the determining factors that make sharing-oriented business to succeed under the Brazilian consumers perspective. The findings bring useful information for companies who are interesting in starting up or to continuous in this type of business and help them to develop appropriated strategy taking advantage of the best opportunities in this new market scenario. The theoretical frame supported two analysis fronts: Factors that motivate consumers inside sharing economy and barriers that bring difficulty to the transactions. As motivational factors, ideological and financial questions were tested. As barriers were studied questions such as legal, technological, social and marketing. The study was supported by a quantitative research conducted in order to test hypothesis about consumer behavior in this kind of business. Around 140 people has answered the survey. The results allow inferring that collaborative consumption, is not a Brazilian behavior yet, but it is a trend and questions involving financial benefits are the ones which most influence the consumers.

Analisis Pengaruh Bauran Pemasaran terhadap Penjualan

The purpose of this study is to prove the significance of the influence of the marketing mix both simultaneously and partially on the sale of coffee products and prove the marketing mix that has a dominant influence on the sale of coffee products in coffee companies and convection "Aneka Busana" Kediri West Lombok. The type of research used to examine the above problems is descriptive research with case study method. The analytical tools used in this study are multiple linear regression analysis, hypothesis test (f test), hypothesis test (t test), and classic assumption test processed through SPSS program. The results showed that: (1) For the F test hypothesis test, that together product variables, prices, promotions, distributions influenced sales so that Ho was rejected and Ha accepted; (2) For the test hypothesis test t , which does not have a significant influence on sales is a variable promotion and distribution channel; (3) Of the four variables that have a dominant influence on sales is the price variable

MOTIVASI DAN KEMANDIRIAN BELAJAR PADA MAHASISWA BARU

This study aims to determine learning independence which is influenced by the learning motivation of new students. A total of 460 new students of class 2019 were involved in this research. The instrument used was a scale of self-regulated learning and a scale of learning motivation. The data analysis used is the assumption test, hypothesis test, and difference test. The results show 1) based on the assumption test that the research data is proven normality and linearity; 2) based on the hypothesis test that there is a positive relationship between learning motivation and self-regulated learning (r = 0.770; p <0.01), and there is an effect of learning motivation on self-regulated learning (R² = 0.592; p <0.01); 3) based on different tests that there are differences in self-regulated learning based on student demographic factors [F = 1.321, p <0.05].Learning Motivation