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"Menjadi pengusaha yang sukses, seharusnya juga mampu mengembangkan usaha yang dijalankannya dengan baik. Salah satunya adalah dari sisi pembiayaan perusahaan. Masalah pembiayaan perusahaan tidak hanya di alami oleh perusahaan besar, namun juga perusahaan kecil skala UKM. Alternatif pendanaan yang ada bersifat bebas dan siap untuk digunakan. Dalam hal ini pengaruh dari diri seorang pengusaha juga ikut andil untuk membuat perumusan keputusan alternatif pendanaan mana, yang akan digunakan. Modal manusia umum dan Modal sosial manusia menjadi faktor yang mempengaruhi. Oleh sebab itu pengetahuan seorang pengusaha perlu ditingkatkan untuk dapat mengetahui dan memutuskan alternatif pendanaan mana yang paling sesuai dengan usaha yang sedang dijalankannya.

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Being a successful entrepreneur, it should also be able to develop a business being operated properly. One is from the finance company. The issue of financing the company not only experienced by large corporations, but also small-scale enterprises SMEs. Alternative funding is freely available and ready for use. In this case the influence of an entrepreneur themselves also contribute to make the decision formulation which financing alternatives, which will be used. General human capital and social capital factors that affect the human being. Therefore, knowledge of an entrepreneur needs to be improved to be able to know and decide which financing alternative that best suits your business is being run."

"Penelitian ini bertujuan untuk mengetahui pengaruh perkembangan pasar keuangan yang dicerminkan oleh stock market development (SMD) dan banking sector development (BSD) terhadap risiko Bank yang diceriminkan oleh rasio permodalan bank (CTA), share of non interest income in total revenue (SNONIN) dan risiko sistematis bank (BETA) di Indonesia periode 2004-2013 menggunakan data tahunan. Setelah melakukan kontrol terhadap keadaan makroekonomi dan kondisi bank, stock market development secara signifikan berpengaruh negatif terhadap rasio permodalan bank dan risiko sistematis bank. Di sisi lain, banking sector development secara signifikan berpengaruh negatif terhadap rasio permodalan bank dan diversifikasi pendapatan bank serta berpengaruh positif terhadap risiko sistematis bank.

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This study aims to investigate how financial market developments as measured by stock market development (SMD) and banking sector development (BSD) influence bank risk as measured by bank capitalization ratio (CTA), share of non interest income in total revenue (SNONIN) and bank systematic risk (BETA) in Indonesia in 2004-2013 using yearly data. After controling for macroeconomics and banklevel condition, stock market development is negative and statistically significant influence bank capitalization ratio and bank systematic risk. While banking sector development also negative and statistically significant influence bank capitalization ratio and banks? revenue diversification and positve and statistically significant infuence banks? systematic risk."

"Penelitian ini bertujuan untuk menganalisis pengaruh kompetisi bank dengan menggunakan pendekatan struktural dan pendekatan non - struktural terhadap stabilitas perbankan di Indonesia selama periode 2004 - 2013. Teknik estimasi penelitian ini menggunakan fixed effect model dengan menggunakan 107 bank. Hasil penelitian menunjukkan bahwa pengukuran kompetisi menggunakan pendekatan non - struktural memiliki pengaruh positif signifikan terhadap stabilitas perbankan dengan menggunakan pengukuran z-score. Sedangkan pengukuran menggunakan pendekatan struktural menunjukkan kompetisi memiliki pengaruh positif tidak sifnifikan terhadap stabilitas perbankan.

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This study aims to determine the impact of bank competition to banking stabilitybased on structural approcah and non - structural approach. Fixed effect model is a method used to examine 107 banks in Indonesia from 2004 -2013. From the study, it concluded that with non - structural approach bank competition signficantly has a positive impact to banking stability while with structural approach the impact is also positive but non significant."

"Berkembangnya industri properti beberapa tahun belakangan ini dengan adanya berbagai macam pembangunan yang membutuhkan dana yang besar dapat mempengaruhi pemilihan struktur modal perusahaan. Penelitian ini bertujuan untuk menganalisis sejauh mana likuiditas saham dapat mempengaruhi keputusan struktur modal perusahaan sektor properti. Hal ini dilihat dari aktifitas perdagangan saham perusahaan. Hasilnya, ternyata pada perusahaan sektor properti, real estate, dan konstruksi bangunan di Indonesia, likuiditas saham tidak berpengaruh pada pemilihan struktur modal perusahaan. Hal ini memang sangat ditentukan oleh kondisi ukuran perusahaan, aset berwujud yang dimiliki perusahaan, faktor karakteristik perusahaan tersebut. Sementara itu, pasar modal di Indonesia belum seaktif negara maju yang market-based capital seperti Amerika Serikat.

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Since the past few years, property industry in Indonesia is growing because of the various development going on that will need large funds and it will affect firm?s capital structure choice. This study aims to analyze to which stock liquidity can serve as firm?s capital structure choice. It is seen from the influence of stock trading and capital structure. The result was liquidity is not affecting firm?s capital structure in property, real estate, and bulding costruction firm in Indonesia. This is largely determined by firm?s size and tangibility of their assets. Moreover, Indonesian stock market is not as liquid as other developed countries like United States."

"ABSTRAKPenelitian ini bertujuan untuk mengetahui pengaruh ukuran perusahaan yang digunakan sebagai variabel moderasi dalam melihat hubungan antara utang dengan kinerja perusahaan. Variabel dependen dalam penelitian ini adalah kinerja operasional perusahaan yang diproksikan dengan nilai ROA dan ROE. Variabel independennya adalah utang yang diproksikan dengan leverage (LEV), dan ukuran perusahaan sebagai variabel moderasi. Selain itu digunakan variabel usia perusahaan (AGE), pertumbuhan produk domestik bruto (GDP), dummy variabel (CRISIS) sebagai varibel kontrol dalam pertimbangan terhadap krisis keuangan global yang terjadi di AS pada tahun 2007-2009.Desain penelitian ini menggunakan studi kausalitas. Populasi penelitian meliputi perusahaan non keuangan yang terdaftar di Bursa Efek Indonesia periode 2002-2014. Teknik pengambilan sampel yang digunakan adalah purposive sampling. Data populasi penelitian sebanyak 503 perusahaan, dan diperoleh sampel sebanyak 90 perusahaan. Metode analisis data yang digunakan adalah metode data panel.

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ABSTRACTThis study aims to determine the effect size of the company used as a moderating variable in the relationship between debt and corporate performance. The dependent variable in this study is the company's operational performance proxied by the ROA and ROE. Independent variable is proxied by debt leverage (LEV), and the size of the company as a moderating variable. In addition the company used the variable age (AGE), the growth of gross domestic product (GDP), a dummy variable (CRISIS) as a control variable in the consideration of the global financial crisis that occurred in the US in 2007-2009.This study design using causality studies. The study population includes non-financial companies listed on the Indonesia Stock Exchange 2002-2014 period. The sampling technique used was purposive sampling. The data of the study population as many as 503 companies, and obtained a sample of 90 companies. Data analysis method used is the method of panel data."

"ABSTRAKPenelitian ini bertujuan untuk mengetahui pengaruh dari patron politik dan faktor karakteristik perusahaan terhadap struktur modal perusahaan di Indonesia. Faktor-faktor tersebut antara lain ukuran perusahaan, profitabilitas, tangibilitas, dan kesempatan pertumbuhan. Dengan menggunakan sampel perusahaan yang terdaftar dalam Bursa Efek Indonesia (BEI) pada periode 2007 sampai 2011, penelitian ini menggunakan metode Ordinary Least Square (OLS). Secara mengejutkan, penulis menemukan dalam penelitian ini bahwa perusahaan yang berpatron politik cenderung memiliki tingkat leverage yang lebih rendah dibandingkan dengan yang tidak. Penelitian ini juga menemukan adanya pengaruh yang negatif dan signifikan dari profitabilitas, serta pengaruh yang positif dari ukuran perusahaan, tangibilitas, dan kesempatan pertumbuhan terhadap tingkat leverage perusahaan di Indonesia.

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ABSTRACTThis study aims to examine factors that could affect the corporate capital structure decision making, including of firm?s political patronage. These factors include size, profitability, tangibility, and growth opportunity. With sample obtained from Indonesia Stock Exchange (IDX), this research uses Ordinary Least Square (OLS) method. Surprisingly, the results show that politically connected firms would have less leverage compared to their counterparts. The results also show that obtained from this research was and profitability give a negative influence to firm?s leverage where size, tangibility, and growth opportunity give a positive influence."

"ABSTRAKPenelitian ini bertujuan untuk menganalisa dan menentukan apakah citra merek yang dimiliki merek induk mempengaruhi sikap perluasan merek, kesesuaian persepsi antara merek induk dengan perluasan merek, sehingga memperngaruhi perubahan sikap konsumen terhadap merek induk. Penelitian ini bertujuan untuk menilai efek dari strategi pengembangan merek yang dilakukan oleh PT. Kaldu Sari Nabati Indonesia dengan meluncurkan restoran siap saji Richeese Factory yang merupakan perluasan merek dari produk makanan ringan, Richeese. Sampel yang diuji dalam penelitian ini sebanayak 100 responden dengan menggunakan teknik purposive sampling yaitu responden yang memiliki umur diatas 16 tahun, mengetahui produk-produk makanan ringan dari Richeese, dan pengunjung Richeese Factory cabang Mal Arion. Instrumen penelitian yang digunakan adalah kuesioner yang dianalisis menggunakan Structural Equation Modelling (SEM). Hasil penelitian menunjukkan bahwa citra merek induk merupakan pendorong yang kuat terhadap perubahan sikap merek induk dengan dimediasi oleh kesesuaian persepsi antara merek induk dan perluasan merek. Namun, tidak ada hubungan langsung antara citra merek induk terhadap perubahan sikap merek induk. Penelitian ini juga menemukan bahwa citra merek induk mempengaruhi sikap konsumen terhadap perluasan merek yang berpengaruh terhadap perubahan sikap merek induk, serta terdapat pengaruh yang signifikan antara kesesuaian persepsi terhadap sikap perluasan merek.

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ABSTRACTThis study aims to analyze and determine whether the brand image of parent brand affects the attitude of brand extension, perceived fit of the parent brand with the brand extension, so that affects consumer attitudes change towards the parent brand. This study aimed to assess the effects of the brand development strategy conducted by PT Kaldu Sari Nabati with launching the fast food restaurants (Richeese Factory), which is the brand extension of the brand of snack products (Richeese). Sample were tested in this study were 100 respondents using purposive sampling technique that respondents who have aged above 16 years, knowing the snack products from Richeese, and visitors Richeese Factory branch of Arion Mall. The research instruments used a questionare and analyzed using Structural Equation Modelling (SEM). The result of this study showed that the parent brand image is a powerful driver of parent brand attitude change with mediated by perceived fit between parent brand and brand extension. However, there is no direct relationship between parent brand image towards parent brand attitude change. The study also found that the parent brand image influences the attitudes of consumers towards the brand extension effect on the parent brand attitude change, and there is a significant influence between perceived fit with brand extension attitude."

"Skripsi ini bertujuan untuk menguji secara empiris pengaruh struktur kepemilikan bank terhadap diversifikasi pendapatan. Struktur kepemilikan bank diuji berdasarkan tipe kepemilikan pemerintah, swasta domestik, dan asing. Variabel-variabel yang mewakili struktur kepemilikan yang diuji dalam penelitian ini yaitu ukuran bank, return on equity, loan loss provision, growth assets, loan to total assets, rasio kecukupan modal. Diversifikasi pendapatan diukur melalui non interest income. Penelitian dilakukan dalam kurun waktu 2007-2011 dengan sampel 82 bank. Pengujian hipotesis dilakukan dengan analisis regresi berganda. Hasil penelitian menyimpulkan bahwa kepemilikan pemerintah memiliki non interest income yang rendah sedangkan kepemilikan asing memiliki non interest income yang tinggi. Ukuran bank, return on equity, loan loss provision, serta loan to total assets berpengaruh signifikan terhadap non interest income sedangkan kedua variabel lain tidak signifikan mempengaruhi non interest income.

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This study aims to empirically examine the effect of bank’s ownership structure to income diversification. Ownership structure tested by the type of government, private domestic, and private foreign. Variables which were representing ownership structure tested in this research are bank size, return on equity, loan loss provision, asset growth, loan to total assets, capital adequacy ratio. Income diversification was measured through non interest income. This study was conducted in 2007-2011 with 82 conventional banks as its sample. Hypothesis testing was performed with multiple regresssion analysis. The research concluded that government ownership had low non interest income, while foreign ownership had higher non interest income. Bank size, retun on equity, loan loss provision, and loan to total assets significantly affected non interest income while the others did not significantly affected non interest income."

"Penelitian ini bertujuan untuk menganalisis apakah efektivitas komite pemantau risiko (komite pemantau risiko wanita, jumlah anggota komite dan frekuensi rapat komite) berpengaruh terhadap pengambilan risiko dan kinerja bank umum di Indonesia. Penelitian ini juga meneliti pengaruh interaksi komite pemantau risiko dengan pengambilan risiko terhadap kinerja bank yang dihitung dengan menggunakan Tobin's Q. Dengan sampel 25 bank umum yang terdaftar di BEI periode 2008-2012, penelitian ini menunjukkan bahwa frekuensi rapat komite berpengaruh positif terhadap pengambilan risiko sedangkan proporsi komite wanita dan jumlah anggota komite berpengaruh negatif terhadap pengambilan risiko. Frekuensi rapat berpengaruh negatif terhadap kinerja namun berpengaruh positif terhadap hubungan antara pengambilan risiko dan kinerja bank.

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This study aims to examine whether risk monitoring committee effectiveness (female risk monitoring committee, size committee, and frequency of meetings) affects bank risk taking and bank performance. This study also examines the effect of risk monitoring committee effectiveness on the relationship between bank risk taking and bank performance measured by Tobin’s Q. With a sample of 25 bank listed in Indonesia Stock Exchange during 2008-2012, this study finds that frequency of meetings committee positively affect bank risk taking while proportion of female risk monitoring committee and size committee negatively affect bank risk taking. Frequency of meetings negatively affects bank performance but positively affect the relationship between bank risk taking and bank performance."

"[Penelitian ini membahas mengenai penerapan perbaikan proses bisnis pada salahsatu divisi riset di Bank XYZ untuk aktivitas penyebarluasan laporan hasilanalisis tim atau Economic Report Dissemination. Penulis menerapkan modelrekayasa ulang proses bisnis (Business Process Re-Engineering/BPR) dariMuthu, Whitman et al (1999) yang terdiri dari lima tahapan yakni persiapan,pemetaan proses saat ini, perancangan proses baru, implementasi dan perbaikanberkelanjutan. Dalam memetakan proses bisnis, penulis menggunakan alat bantuflowchart dan kerangka perbaikan proses Baltzan (2014) dalam mengidentifikasimasalah dalam proses saat ini.;This research discuss about the implementation of Business ProcessImprovement (BPI) in XYZ Bank?s research division. The object of this researchis their main activity called Economic Report Dissemination (ERD) which is theprocess to distribute economic report throughout the firm in accordance to itsneeds. This research followed Muthu, Whitman et al (1999) Business ProcessReengineering consolidated model that consist of five steps include preparation,current process mapping, develop new process, implementation and continuousimprovement. The current and to-be process was drawn using flowchart. Toidentify the problem in current process, Baltzan (2014) business processimprovement model was used.;This research discuss about the implementation of Business ProcessImprovement (BPI) in XYZ Bank?s research division. The object of this researchis their main activity called Economic Report Dissemination (ERD) which is theprocess to distribute economic report throughout the firm in accordance to itsneeds. This research followed Muthu, Whitman et al (1999) Business ProcessReengineering consolidated model that consist of five steps include preparation,current process mapping, develop new process, implementation and continuousimprovement. The current and to-be process was drawn using flowchart. Toidentify the problem in current process, Baltzan (2014) business processimprovement model was used., This research discuss about the implementation of Business ProcessImprovement (BPI) in XYZ Bank’s research division. The object of this researchis their main activity called Economic Report Dissemination (ERD) which is theprocess to distribute economic report throughout the firm in accordance to itsneeds. This research followed Muthu, Whitman et al (1999) Business ProcessReengineering consolidated model that consist of five steps include preparation,current process mapping, develop new process, implementation and continuousimprovement. The current and to-be process was drawn using flowchart. Toidentify the problem in current process, Baltzan (2014) business processimprovement model was used.]"