Suchergebnisse

This research was conducted with the aim of analyzing how the influence of Non Performing Loan (NPL), BOPO, and Loan to Deposit Ratio (LDR) will Return On Asse (ROA) through the quarterly financial ratio report on local government banks in the period March 2018 to December 2020. taken from data published by the Financial Services Authority (OJK).This research is a study conducted with quantitative research methods using secondary data, taken from financial statements, especially financial ratio statements published on the official OJK website.The tools used in analyzing the data in this study are SPSS 26 and Microsoft Excel using multiple linear regression data analysis methods, with this method shown how the influence occurs between independent variables and variable dependents.The results of this study showed that simultaneously NPL, BOPO and LDR had an influence on ROA in Local Government Banks which was studied by 74% and 26% others were influences caused by other factors that did not fall into the variables studied in this study. While partial test results showed that NPL had a positive and insignificant effect on ROA, BOPO had a significant negative effect on ROA and LDR had no significant positive effect on ROA.

This research explored how language use is able to provide meaning to a political discourse. Through the lens of Feminism and Critical Discourse Analysis (CDA), this study identified the presence of misogynistic tendencies in the statements of Philippine President Rodrigo Roa Duterte (PRRD) taken from news articles and his national speeches. Analyses were also done to deduce how language use is able to define a person. Analyses revealed the presence of misogynistic tendencies in PRRD's statements toward women in general and specific women. Further, this study has found out that PRRD is beyond the notion that language has the power to construct reality or define a person. It is ` his charisma and the role of social media that can explain the PRRD phenomenon.

After the financial crisis on the end of 90's Ecuador evidenced a noted economic stability since the adoption of the Dollar as legal currency and the monetary politics implemented, besides the Ecuadorian private bank presented a constant grown influenced by various factors. In this context, the present research analyzed the relation that have had as internal factors accounts of private bank, its management indicators, banking sector concentration measures and as external factors macroeconomic variables related with profitability in terms of ROE and ROA of Ecuadorian private banks according its size since the Dollarization was instituted in the country. By means of econometric regressions with information extracted from official sources and established under a panel data structure were identified as internal factors related with the profitability measures to the debts to pay , accounts receivable, investments, commercial capacity index, liquidity index, leverage index, also the concentration of loans and deposits. Among the external factors the GDP and the oil price resulted being the most relevant variables related with the profitability measures of the private banks. ; Posterior a la crisis financiera de finales de los años 90, el Ecuador evidenció una notable estabilidad económica desde la adopción del Dólar como moneda de curso legal y las políticas monetarias implementadas, además, la banca privada ecuatoriana presentó un constante crecimiento influenciado por diversos factores. Ante este contexto, la presente investigación analizó la relación que han tenido como factores internos las cuentas de bancos privados, sus indicadores de gestión, medidas de concentración en el sector bancario y como factores externos variables macroeconómicas en relación a la rentabilidad en términos de ROE y ROA de los banco privados ecuatorianos de acuerdo a su tamaño desde la dolarización instaurada en el país. Mediante regresiones econométricas con información extraída de fuentes oficiales establecida bajo la estructura de datos de panel se identificaron como factores internos relacionados con la las medidas de rentabilidad a las cuentas por pagar, las cuentas por cobrar las inversiones, índices como la capacidad comercial, la liquidez, el apalancamiento, además de la concentración de créditos y de depósitos. Entre los factores externos el PIB y el precio del barril, de petróleo resultaron ser las variables macroeconómicas más relevantes en torno de las medidas de rentabilidad de los bancos privados.

Yo el Supremo ; is an example of historical fiction, yet it resembles dystopian fiction in one important respect: it reveals the cruelty of dictatorship by commenting on the reversal between high utopian expectations and deep disillusionment. The invention of dystopias necessarily implies the complementary conceptualization of utopias. A purposeful pattern of references to the Eldorado chapters of Voltaire's ;Candide ; points to the latter as an intertext. This relationship must be seen in the context of Rodriguez de Francia's claimed adherence to Enlightenment political ideals. This intertextuality takes two forms. In many respects, the Paraguayan dictatorship is the opposite of Eldorado, which difference illustrates what a good society ought not be. In other ways, however, the dystopia strangely resembles its utopian counterpart, except that those similarities have different causes and effects and they embody different value systems. In this way Roa Bastos shows how the perversion of admirable ideals can have disastrous consequences. ;Yo el Supremo ; es un ejemplo de ficción histórica, pero se parece a la ficción distópica en un aspecto importante: revela la crueldad de la dictadura al mostrar la diferencia entre las expectativas optimistas y el desengaño profundo. La invención de distopías sugiere necesariamente la conceptualización complementaria de utopías. Una serie de alusiones evidentes a los capítulos sobre Eldorado en el ;Candide ; de Voltaire señala que este cuento filosófico es un intertexto. Hay que considerar esta relación en el contexto de la pretendida adherencia de Rodríguez de Francia a los ideales políticos del Siglo de las Luces. La relación intertextual tiene dos aspectos; por un lado, la dictadura paraguaya es lo contrario del sistema sociopolítico de Eldorado, lo cual sirve para mostrar lo que una buena sociedad no debe ser. Por otro lado, y de manera desconcertante, la distopía se parece a la utopía voltairiana. Sin embargo, estas semejanzas tienen causas y efectos diferentes y expresan escalas de valores distintas, lo cual le permite a Roa Bastos mostrar que la perversión de ideales admirables puede producir consecuencias lamentables.

AbstrakPada ekonomi di sebuah negara, perbankan punya andil besar. Perbankan berperan penting didalam peminjaman di wilayah publik dan swasta. Fungsi perbankan sebagai perantara, yang mana bank bermanfaat sebagai perantara diantara pihak-pihak yang berkecukupan ke mereka yang membutuhkan. Riset ini bertitik berat di bidang yang berpengaruh pada risiko likuiditas di bank. Maksud dari riset ini tidak lain buat analisis efek NPL, ROA serta ROE kepada resiko likuiditas perbankan listing di BEI rentang 2016-2019.Sampel yang dipergunakan didalam riset semua perbankan, baik itu milik pemerintah (BUMN) ataupun Bank Swasta Nasional di Indonesia yang diakui di BI sejak 2016 sampai 2019. Dari kriteria tersebut didapat 40 bank, metode yang dipakai adalah purposive sampling. Metode analisis riset ini adalah regresi linier, untuk diuji buat melewati asumsi klasik dengan normalitas, multicollinearity, autocorrelation dan heteroscedasticity.Hasil riset memperlihatkan kalau variabel ROA dan ROE memiliki efek bagus dan signifikan kepada risiko likuiditas. Sedang variabel NPL memiliki efek buruk dan tidak signifikan kepada risiko likuiditas. Kata Kunci: NPL, ROA, ROE, Risiko Likuiditas. ABSTRACT In the economy in a country, banking has a great contribution. Banks have contributed to the distribution of credit in the public and private sector. Banking function as a liaison, where the bank is useful as a liaison to the parties who are excessive for those in need. This research focuses on areas that affect liquidity risk in banks. The benefit of this research is to analyze the effect of NPL, ROA and ROE on liquidity risk in banks listed on the IDX for the 2016-2019 period.The sample used in the research is all banks, both owned by the government (BUMN) and National Private Banks in Indonesia which have been recognized at BI from 2016 to 2019. From these criteria found 40 banks, the method used is purposive sampling. The analytical method used in this study is linear regression, which is tested using classical assumptions using ...

Calculation of finance ratios is important for the company. Investors can view the performance of the company if the company performs well compared to the average industry. The ratio is a measure of the ratio between account in the financial statements with another accounts. For example profitability ratios Return on Assets( ROA) higher is better because Net income increasing. Likewise with Debt to Equity ratio, is how much restriction ideal loanlikethe ideal size of financial leverage to maximum net income. Beta is a systematic risk obtained from the slope of the regression results between excess stock returns with excess return of the capital market index. This is a measure of risk in stock investing. Risk is something that deviates from the target that we want or something less achievement from thing or something we want or expect. Examples of investment risk is if we suffer any loss of money that we invest. Risks of invest stocks is a systematic risk or a unsystematis risk for examplelike a management in the company. Systematic risk is also called market risk hapend to all shares like outside influence,for example inflation, foreign exchange rates or government policy. This research will address the influence Debt to equity ratio and beta stocks / systematic risk to the value of Return of Asset (ROA) because for the company's net income is important for investors to decide buy shares. Sample data is retrieved author as many as 35 kinds of stocks by taking random stocks that exist in the Indonesian Stock Exchange. The sample data will be processed with statistical information in the answer problems with SPSS applications editions 19. Results of this research is jointly variable Debt to Equity ratio with Beta stocks have a significant influence on Return on Equity (ROA) companies in Indonesia Stock Exchange

This essay presents, for analysis and discussion, a group of socio- political concepts studied, extracted, abstracted o constructed during the period 1973-2005, and applied —mostly— to contemporary social sciences, from an interdisciplinary perspective. ; El presente ensayo se ocupa de presentar, para el análisis y la discusión, un conjunto de conceptos sociopolíticos estudiados, extractados, sintetizados o construidos en el intervalo 1973-2005, y aplicables —especialmente— en las ciencias sociales contemporáneas, en virtud de la interdisciplinariedad.