Sulistiyo, Hari
STIE DR. KHEZ MUTTAQIEN PURWAKARTA

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PENGARUH CAPITAL ADEQUACY RATIO, NON PERFORMING LOAN, DAN RETURN ON ASSET TERHADAP PENYALURAN KREDIT PADA BANK UMUM YANG TERDAFTAR DI BURSA EFEK INDONESIA TAHUN 2013-2017 Suartini, Sri; Sulistiyo, Hari; Fauzia, Hasna
Eqien: Jurnal Ekonomi dan Bisnis Vol 6 No 1 (2019): JURNAL EKONOMI DAN BISNIS “E-QIEN”
Publisher : STIE Dr. Khez Muttaqien Purwakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34308/eqien.v6i1.75

Abstract

Bank is one of the financial institutions that have the main task as a financial intermediary institution. The Bank also provides other supporting services to support the smoothness of activities to collect and channel funds either directly or indirectly related to savings or credit activities. The increase in loans disbursed by commercial banks does not have continuity with the increase in credit growth, this is due to the supply or credit crunch phenomenon caused by many things such as the low quality of banking assets, the high non performing loan value or the drop in banking capital due to depreciation. The purpose of this research is to know whether there is influence of capital adequacy ratio, non performing loan, return on asset to credit distribution either partially or jointly. The method used in this research is descriptive verification method with quantitative approach which is sourced from annual financial statements of commercial bank and literature study. Sampling technique using non probability sampling with purposive sampling technique. The data obtained were analyzed by testing the validity of data, multiple linear regression analysis and hypothesis test using f test and t test. The results of this study indicate that partially capital adequacy ratio has a negative effect on credit distribution, non-performing loans have a positive effect on credit distribution and return on assets have a positive effect on credit distribution. While the joint capital adequacy ratio, non-performing loans, return on assets effect on credit distribution.
THE EFFECT OF NON PERFORMING FINANCING, FINANCING TO DEPOSIT RATIO AND OPERATING EXPENSE TO OPERATING INCOME RATIO (BOPO) TO PROFITABILITY Suartini, Sri; Sulistiyo, Hari; Indrianti, Wahyuni
AFEBI Economic and Finance Review Vol 3, No 02 (2018)
Publisher : AFEBI Economic and Finance Review

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Abstract

The issues raised in this study are: to determine, explain and analyze profitability, Non Perfroming Loan, Financing to Deposit Ratio and Operating Expense to Operating Income in Bank of sharia and the partial effect and simultaneous of NPF, FDR and Operating Expense to Operating Income ratio  to Profitability Bank of sharia Period 2014 -2016.The number of samples taken 12 Bank of sharia in the study period with saturated sampling technique. This research expected to contribute and to the development of the field of accounting, especially financial accounting. The research methods used by the author in this study, using descriptive and verification, the results showed conclusions are: NPF has no effect on profitability because of the results of calculations performed tcount smaller than ttabel. FDR has not effect on profitability because of the results of calculations performed tcount smaller than ttabel. Partially Operating Expense to Operating Income has significant negative effect on profitability. Operating Expense to Operating Income is the most influential variable among other variables on profitability. The effect of simultaneous NPF, FDR and Operating Expense to Operating Income on profitability  of 75.8% while the remaining 24.2% is the influence of other factors not examined. We can conclude that NPF, FDR and ROA simultaneously positive and significant impact on profitability Bank of sharia in the study period.JEL Classification: G10, G12, G21Keywords: FDR, NPF, Profitability, ROA
ANALISIS STRUKTUR MODAL TERHADAP WACC DAN ANALISIS WACC TERHADAP NILAI PERUSAHAAN (Studi Kasus pada Perusahaan Rokok Yang Terdaftar DI BEI Periode 2009-2013) Sulistiyo, Hari
Accounthink Vol 2, No 01 (2017)
Publisher : UNSIKA (Universitas Singaperbangsa Karawang)

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (478.64 KB) | DOI: 10.35706/acc.v2i01.730

Abstract

Cost of capital is very important for a company in their business especially to analyze cost of capital to the rate of investment’s return. The higher the investor’s demands for the share, the higher the share’s price. The objective of this study is to examine empirically if capital structure has a positive effect to the firm’s value and if cost of capital has a negative effect to the firm’s value. Capital structure is represented by long-term debt to equity ratio, cost of capital is represented by weighted-average cost of capital (WACC), and firm’s value is represented by average stock price.Samples used in this research are 3 manufacture companies which are listed in Indonesian Stock Exchange period 2009-2013. Analytical method which is used to test the influence of capital structure and Cost of Capital (in this case, WACC) against value of companies is simple regression analysis.The result of this research shows that capital structure has positive effect to the firm’s value. That shows if higher the value of capital structure it will make the higher firm’s value. Besides that, this research also shows that cost of capital has no negative effect to the firm’s value. It’s caused by global crisis in 2008 that makes liability and stock price unstable.Keywords: Capital structure, cost of capital, firm’s value, long term debt to equity ratio, weighted-average cost of capital, average stock price.