Pengaruh Efektivitas Kredit Dan Fee Base Income Terhadap Kinerja Keuangan Perbankan

The focus of this research is aimed at analyzing the effect of credit effectiveness and fee based income on banking financial performance. Where this financial performance may experience an increase or decrease in the coming year. Due to the uncertain financial performance, it is necessary to have an analysis of the financial performance of a company. The object of this research is the effect of credit and fee base income on the financial performance of PT. Bank Central Asia Tbk. Period 2011-2020. There are two independent variables studied in this study, namely: Credit and fee base income, while Return on assets as the dependent variable. The data analysis technique used in this research is descriptive statistical analysis, classical assumption test (normality test, multicollinearity test, heteroscedasticity test, autocorrelation test), multiple linear regression analysis, and hypothesis test which includes t test, F test and determination coefficient test ( ). The results of this study indicate that partially credit effectiveness does not have a significant effect on Return on assets with a sig. 0.648> 0.05. Fee income base does not have a significant effect on Return on assets with a sig value. 0.342> 0.05. And simultaneously Credit Effectiveness and Fee Income Base have no significant effect on Return on Assets with a sig value. 0.472> 0.05. Keywords : Credit Effectiveness, Fee Base Income, Return On Asset

MEMAHAMI HARAPAN DAN KERJASAMA DENGAN NASABAH DALAM PENGGUNAAN E-BANKING SERTA PENGARUHNYA TERHADAP KEPUASAN DAN IMPLIKASINYA TERHADAP LOYALITAS NASABAH DI PT. BNI CABANG JL. PERINTIS KEMERDEKAAN BANDUNG

Dalam meningkatkan layanan kepada nasabah, BNI dengan kesadarannya membangun fasilitas E-Banking. Bagi perbankan, pengembangan E-Banking tidak hanya sekedar mengikuti trend kebutuhan nasabah yang makin mobile, tetapi mengejar tujuan lain yang juga strategis seperti menurunkan biaya dana (cost of fund), meningkat efisiensi dan memperoleh pendapat komisi (fee base income).Tujuan dari penelitian ini adalah untuk mengetahui dan menganalisis pengaruh fasilitas E-Banking yang terdiri dari memahami harapan nasabah dan kerjasama dengan nasabah PT. BNI Cabang JPK Bandung serta untuk mengetahui kepuasan nasabah serta implikasinya terhadap loyalitas nasabah PT. BNI Cabang JPK Bandung.Teori yang digunakan dalam penelitian adalah teori-teori E-Banking, memahami harapan nasabah, kerjasama dengan nasabah, kepuasan nasabah dan loyalitas nasabah. Jenis penelitian adalah deskriptif kuantitatif dan sifat dari penelitian adalah descriptive explanatory. Metode pengumpulan data adalah daftar pertanyaan, wawancara dan studi dokumentasi. Metode analisis data yang digunakan Indeks Pengkategorian Variabel, Koefisien Determinasi (R2), Uji Serempak (uji F) dan Uji Partial (uji t).Populasi adalah nasabah PT. BNI Cabang JPK Bandung yang berjumlah 194.753 orang nasabah, sampel diambil secara aksidental sampling yaitu seseorang diambil sebagai sampel karena kebetulan berada di penelitian, peneliti tidak mempunyai pertimbangan lain kecuali berdasarkan kemudahan saja.Hasil penelitian yang didapat melalui perhitungan indek pengkategorian variable yaitu memahami harapan nasabah, kerjasama dengan nasabah, kepuasan dan loyalitas nasabah berada pada interpretasi tinggi dimana PT. BNI Cabang JPK Bandung telah memahami harapan nasabah, selalu bersikap ramah dalam keluhan dari nasabah, mempunyai kompetensi dan informasi yang diberikan sehingga nasabah merasa puas, dan nasabah selalu menggunakan produk yang ditawarkan oleh BNI yang merupakan loyalitas dari nasabah. Untuk uji serempak pada hipotesis pertama bahwa X1 yaitu memahami harapan nasabah dan X2 yaitu kerjasama dengan nasabah berpengaruh signifikan terhadap kepuasan nasabah. Berdasarkan uji partial pada hipotesis kedua kepuasan nasabah berpengaruh positif terhadap peningkatan loyalitas nasabah pada PT. BNI Cabang JPK Bandung.

Economic performance of forest-reliant census subdivisions between 1981 and 1991

This article assesses the economic performance of Canadian forest reliant census subdivisions (referred to as FRCs for the purposes of this paper) over the period 1981 to 1991. FRCs performed reasonably well over the 10 year period. The average annual rate of growth in base income was 1.7% per year. However, the performance of FRCs is quite varied. Growth of non-forest sectors was the major contributor to growth in FRCs indicating a general tendency for these CSDs to diversify and become less forest reliant over time. Generally, the FRCs that performed well over the period were the ones that initially had one or more of the following characteristics: larger FRCs, FRCs that were initially less forest reliant, FRCs with a higher paper and allied component in the forest sector and FRCs with lower initial wage rates. Key words: forest reliant communities, sustainability of communities, economic indicators, economic performance, economic development, economic base, rural policy

The Effects of a Redistribution of Wealth on Property Crime

The theory that perceived relative deprivation (PRD) is a leading cause of property crime was proposed by the author in the January 1976 issue of Crime & Delinquency. A subsequent article in another journal examined the possibility of reducing unequal economic opportunity (and thus PRD) by greatly stiffening inheritance taxes and by enacting a triennial net worth tax. The present article attacks the wasteful expenditure of public funds on present criminal justice programs and suggests instead the provision of substantial base income grants to individuals, to be financed in part by the wealth taxation mentioned above. The possible effects of the combined wealth tax and base income program are then examined. Finally, it is postulated that a social system rendered more just by increasingly equal economic opportunity will exhibit far lower levels of PRD and thus of property crime.