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"Kebutuhan untuk penilaian kredit dimulai ketika ada mekanisme yang berlaku secara masif untuk peminjaman dan pemberian pinjaman yang secara paralel berhubungan dengan kebutuhan untuk membayar kembali pinjaman di masa depan. Dalam praktiknya, pengembangan gagasan terkait metode penilaian kredit diperkenalkan oleh Durand pada tahun 1941. Pemerintah, melalui OJK, mengeluarkan peraturan nomor 1 POJK.05 tahun 2015 tentang manajemen risiko Lembaga Keuangan Non-Bank dan Peraturan Bank Indonesia No. 11/25 / PBI / 2009 sebagai upaya untuk mengendalikan risiko kredit perusahaan pembiayaan. Kredit mikro adalah subjek yang menarik untuk penelitian ini karena identik dengan prinsip meniadakan penggunaan jaminan untuk penilaian kreditnya. Untuk itu, mengetahui faktor-faktor penyebab gagal bayar sangat penting. Sampel yang digunakan dalam penelitian ini melibatkan 949 perempuan pra-sejahtera yang merupakan nasabah PNM Mekaar dan mewakili 34 wilayah operasional PNM Mekaar di Indonesia. 949 data yang digunakan pada penelitian ini terbagi menjadi 2 kelompok data yaitu 258 yang termasuk kategori gagal bayar dan 691 nasabah dengan kategori non-gagal bayar. Dengan menggunakan metode estimasi probit, penelitian ini menunjukkan probabilitas gagal bayar pada pembayaran pinjaman yang ada di PNM Mekaar. Hasil dari penelitian ini menunjukkan bahwa jangka waktu, siklus, umur, dan status perkawinan mempengaruhi probabilitas gagal bayar, sedangkan jumlah pinjaman tidak signifikan dalam mempengaruhi probabilitas gagal bayar.

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The need for credit scoring begins when there is a mechanism that applies massively to lending and borrowing parallel with the need to repay loans in the future. In practice, the development of ideas related to the credit assessment method was introduced by Durand in 1941. The Government, through the OJK, issued 2015 regulation number 1 POJK.05 concerning risk management of Non-Bank Financial Institutions and Bank Indonesia Regulation No. 11/25 / PBI / 2009 as an effort to control the credit risk of finance companies. Microcredit is an interesting subject for this research because no collateral is being used for doing credit assessment. For this reason, knowing the factors that cause default is crucial. The sample used in this study involved 949 underprivileged women who were PNM customers and represented 34 Mekaar operational areas in Indonesia. 949 data used in this study were divided into 2 data groups, 258 which included the category of default and 691 customers with the non-default category. By using the probit estimation method, this study shows the probability of default on loan payments at Mekaar PNM. The results of this study indicate that the time period, cycle, age, and marital status affect the probability of default, meanwhile loan size statistically insignificant affects the probability of default."

"Penelitian ini menguji faktor – faktor yang mempengaruhi pengembangan kewirausahaan perempuan di sektor pembiayaan ultra mikro (UMi) di Indonesia, dengan fokus pada PNM Mekaar Syariah, salah satu lembaga keuangan ultra mikro syariah terkemuka. Berdasarkan kerangka teori dari pemberdayaan ekonomi perempuan, penelitian ini menganalisis dampak business support, skill development training, business experience, dan saving terhadap entrepreneurship development nasabah perempuan program PNM Mekaar Syariah. Data dikumpulkan melalui kuesioner offline sebanyak 341 nasabah perempuan PNM Mekaar Syariah di daerah Bogor Tengah. Analisis Structural Equation Modeling Partial Least Squares (SEM-PLS) digunakan untuk menguji hubungan antar variabel. Hasil penelitian menunjukkan bahwa access to finance, saving dan business experience mempunyai dampak positif yang signifikan terhadap entrepreneurship development perempuan. Sebaliknya, dampak dari business support ditemukan tidak signifikan dan negatif, sedangkan skill development training tidak signifikan namun positif.

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This study delves into the factors shaping the advancement of women's entrepreneurship within Indonesia's ultra-micro financing (UMi) sector, focusing specifically on PNM Mekaar Syariah, a prominent Islamic microfinance institution.  Guided by the theoretical framework of women's economic empowerment, this research investigates how business support, skills development training, business experience, and savings impact entrepreneurial outcomes among women engaged with PNM Mekaar Syariah. Data collection involved administering offline questionnaires to 341 female PNM Mekaar Syariah customers in Central Bogor.  Structural Equation Modeling Partial Least Squares (SEM-PLS) analysis was employed to evaluate the relationships between the variables. The results indicate that access to finance, savings, and business experience significantly and positively influence women's entrepreneurial development.  Unexpectedly, business support demonstrates a non-significant negative impact, while skills development training, though positive, also proves non-significant."

"Indikator utama untuk menilai kinerja reksa dana adalah dengan mengukur Nilai Aktiva Bersih (NAB) per unit penyertaan. NAB per unit sangat berfluktuatif, tergantung pada harga masing-masing efek/instrumen investasi dimana portofolio diinvestasikan Penurunan NAB dipengaruhi secara tidak langsung oleh risiko pasar yang merupakan risiko yang umum terjadi pada portofolio.Perhitungan risiko pasar dari investasi pada portofolio reksa dana sangat penting ditakukan sebagai landasan bagi investor dan manajer investasi dalam pengambilan keputusan untuk menentukan strategi investasinya.Penelitian ini bertujuan untuk melihat bagaimana pengukuran risiko pasar pada Reksa Dana PNM Syariah dengan mempergunakan model Value at Risk (VaR) dan untuk mengetabui potensi kerugian maksimum yang mungkin teijadi dari kepemilikan portofolio reksa dana serta menguji apakah model Value at Risk (VaR) cukup valid dipergunakan dalam mengukur risiko pasar pads Reksa Dana Syariah.

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Main indicator to measure performance of mutual fimd is to measure Net Asset Value of a share unit. The Net Asset Value per unit share fluctuates depend on the price of each investment instrument which is invested in a portfolio. Decrement in Net Asset Value is influenced by indirect market risks that are common events in portfolio.

Market Risk calculation of an investment in a mutual fund portfolio is very important to be done as bases for investors and investment managers to make decision in their investment strategy.

The purpose of this research is to determine how to measure market risk at PNM Syariah mutual fund based on Value at Risk (VAR) model_ The second purpose is to calculate qualitatively a possible maximum risk that could be occurred in mutual fund portfolio share. This reseach is also to proof the validity of Value at Risk model by measuring market risk in Syariah Mutual Fund."

"Pembiayaan Murabahah adalah pembiayaan yang memberikan kotribusi pendapatan terbesar dari keseluruhan kegiatan operasional BPRS PNM Mentari. Oleh karena itu, dalam upaya memberikan pelayanan yang terbaik dan menjadikan BPRS PNM Mentari sebagai bank syariah yang dapat dipercaya perlunya secara transparan bank syariah menjelaskan kepada nasabah bagaimana ia menghitung margin atas pembiayaan murabahah yang diberikan dan faktor-faktor apa saja yang dibebankan kepada nasabah.Teori mengenai murabahah mengharuskan adanya kesepakatan di depan antara bank dan nasabah mengenal besarnya margin yang ditetapkan hingga akhirnya mempenagaruhi harga jual. Untuk melihat faktor-faktor apa saja yang berpengaruh terhadap besarnya margin murabahah, metode ana!lsis yang digunakan adalah analisis statistik model regresi berganda dengan faktor-faktor yang diteliti adalah jumlah biaya overllead, porsi bagi basil dana pihak ketiga yang diberikan dan tiogket keuntungan yang diinginkan (profit target).Dari hasil analisls statistik, dihasilkan bahwa pada studi kesus BPRS PNM Mentari faktor biaya overhead dan proporsi bagi hasil dana pihak ketiga berpengaruh signifikan terhadap besarnya margin pembiayaan murababah, sadangkan tingkat keuntungan yang diinginkan (profit target) tidak berpengaruh signifikan walaupun terdapat korelasi positif.

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Murabahah is a financing that gives the highest revenue from the whole operational activity of PNM Mentari rural bank That is, in order to give the best services and to malre PNM Mentari'rural bank as a trust Syariah bank is needed transparently disclose how to set up the margin of murabahah and what are the factors which is placed to the selling price that pay by the customer.

Murababah theory said that there is must have a deal between customer and bank in a head about the amount of margin The author uses the statistic analysis to see what are the factors which is significantly influenced the margin of murabahah. The multiple regression is used by the three factors, that is overhead cost, sharing portion of customer fund and profit target.

The result of this research that the overhead cost, sharing portion of customer fund significantly influenced to the margin murahabah, but the profit target is not influence the margin eventhough there is a positive correlation between profit target and margin murahabah."

"[ABSTRAK Lapangan-X merupakan lapangan gas di Cekungan Kutai yang dikembangkan sejak tahun 1986. Reservoar lapangan-X merupakan endapan delta Miosen akhir yang berlapis, dimana dikarakterisasikan oleh formasi yang didominasi oleh lempung. Perselingan antara batupasir dan batuserpih menghasilkan heterogenitas porositas yang cukup tinggi. Salah satu metode yang efektif dalam mengatasi tingkat heterogenitas yang tinggi adalah dengan metode Artificial Neural Network (ANN). ANN menggunakan algoritma Probabilistic Neural Network (PNN) mampu mendiskriminasikan daerah yang memiliki sebaran porositas yang tinggi dan rendah dengan baik pada zona Fresh Water Sand (FWS) lapangan-X dibanding dengan metode Multiatribut linier yang cenderung merupakan nilai sebaran porositas rata-rata. Nilai korelasi hasil prediksi terhadap target menggunakan metode PNN mencapai 0.8610 dengan rata-rata kesalahan (average error) sebesar 0.0283, sementara nilai korelasi hasil metode Multiatribut linier hanya sebesar 0.7098 dengan rata-rata kesalahan (average error) sebesar 0.0398. Hasil PNN pada sayatan waktu +10 ms dari horizon FS33 berhasil mengkarakterisasikan sebaran porositas batupasir yang bersih dari lempung di bagian selatan daerah penelitian, dimana fasies pengendapan batupasir tersebut diinterpretasikan berasal dari dataran delta. Sementara sayatan waktu -10 ms dari horizon FS42, menunjukan sebaran porositas batugamping dengan fasies pengendapannya diinterpretasikan berasal dari lingkungan neritik (shelf). Dari penelitian ini, dapat disimpulkan bahwa metode PNN berhasil menggambarkan sebaran porositas batuan di zona Fresh Water Sand (FWS) lapangan-X dengan baik sehingga hasil prediksi penyebaran yang dilakukan mampu mendekati data- data sumuran.

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ABSTRACT X-field is a gas field in Kutai Basin and it has been developed since 1986. Reservoir of X-field is a multi layered upper Miocene deltaic deposits and characterized by a shaly formation. A highly intercalation between sand & shale unit in X-field has been contributed to the heterogeneity of porosity in the area. One of the effective methods to spatially quantify such heterogeneity of porosity is by using Artificial Neural Networks (ANN). ANN with Probability Neural Network (PNN) algorithm has been successfully retained more dynamic range, high and low frequency porosity content, compare to the Multiattributes linear which is tend to show a smoothed, or more averaged prediction. The correlation value from PNN methods can be up to 0.8610 with average error is 0.0283, while correlation value from Multiattribute linear only up to 0.7098 with average error is 0.0398. The time slice of PNN result at +10ms from horizon FS33 has been clearly figured out an accumulation of high porosity in the southern area of the interval target which is indicated as a clean sand lithology based on sensitivity analysis. And such accumulation has formed a distributaries channel trend which is interpreted as delta plain deposits. Meanwhile, the time slice of PNN result at - 10 ms from horizon FS42 has indicated a carbonate lithology which is interpreted as shelf deposits. From this study, it?s concluded that PNN algorithm as a nonlinear function has been successfully showed a better porosity distribution in the Fresh Water Sand (FWS) zone of X-field.;X-field is a gas field in Kutai Basin and it has been developed since 1986. Reservoir of X-field is a multi layered upper Miocene deltaic deposits and characterized by a shaly formation. A highly intercalation between sand & shale unit in X-field has been contributed to the heterogeneity of porosity in the area. One of the effective methods to spatially quantify such heterogeneity of porosity is by using Artificial Neural Networks (ANN). ANN with Probability Neural Network (PNN) algorithm has been successfully retained more dynamic range, high and low frequency porosity content, compare to the Multiattributes linear which is tend to show a smoothed, or more averaged prediction. The correlation value from PNN methods can be up to 0.8610 with average error is 0.0283, while correlation value from Multiattribute linear only up to 0.7098 with average error is 0.0398. The time slice of PNN result at +10ms from horizon FS33 has been clearly figured out an accumulation of high porosity in the southern area of the interval target which is indicated as a clean sand lithology based on sensitivity analysis. And such accumulation has formed a distributaries channel trend which is interpreted as delta plain deposits. Meanwhile, the time slice of PNN result at - 10 ms from horizon FS42 has indicated a carbonate lithology which is interpreted as shelf deposits. From this study, it?s concluded that PNN algorithm as a nonlinear function has been successfully showed a better porosity distribution in the Fresh Water Sand (FWS) zone of X-field.;X-field is a gas field in Kutai Basin and it has been developed since 1986. Reservoir of X-field is a multi layered upper Miocene deltaic deposits and characterized by a shaly formation. A highly intercalation between sand & shale unit in X-field has been contributed to the heterogeneity of porosity in the area. One of the effective methods to spatially quantify such heterogeneity of porosity is by using Artificial Neural Networks (ANN). ANN with Probability Neural Network (PNN) algorithm has been successfully retained more dynamic range, high and low frequency porosity content, compare to the Multiattributes linear which is tend to show a smoothed, or more averaged prediction. The correlation value from PNN methods can be up to 0.8610 with average error is 0.0283, while correlation value from Multiattribute linear only up to 0.7098 with average error is 0.0398. The time slice of PNN result at +10ms from horizon FS33 has been clearly figured out an accumulation of high porosity in the southern area of the interval target which is indicated as a clean sand lithology based on sensitivity analysis. And such accumulation has formed a distributaries channel trend which is interpreted as delta plain deposits. Meanwhile, the time slice of PNN result at - 10 ms from horizon FS42 has indicated a carbonate lithology which is interpreted as shelf deposits. From this study, it’s concluded that PNN algorithm as a nonlinear function has been successfully showed a better porosity distribution in the Fresh Water Sand (FWS) zone of X-field., X-field is a gas field in Kutai Basin and it has been developed since 1986. Reservoir of X-field is a multi layered upper Miocene deltaic deposits and characterized by a shaly formation. A highly intercalation between sand & shale unit in X-field has been contributed to the heterogeneity of porosity in the area. One of the effective methods to spatially quantify such heterogeneity of porosity is by using Artificial Neural Networks (ANN). ANN with Probability Neural Network (PNN) algorithm has been successfully retained more dynamic range, high and low frequency porosity content, compare to the Multiattributes linear which is tend to show a smoothed, or more averaged prediction. The correlation value from PNN methods can be up to 0.8610 with average error is 0.0283, while correlation value from Multiattribute linear only up to 0.7098 with average error is 0.0398. The time slice of PNN result at +10ms from horizon FS33 has been clearly figured out an accumulation of high porosity in the southern area of the interval target which is indicated as a clean sand lithology based on sensitivity analysis. And such accumulation has formed a distributaries channel trend which is interpreted as delta plain deposits. Meanwhile, the time slice of PNN result at - 10 ms from horizon FS42 has indicated a carbonate lithology which is interpreted as shelf deposits. From this study, it’s concluded that PNN algorithm as a nonlinear function has been successfully showed a better porosity distribution in the Fresh Water Sand (FWS) zone of X-field.]"

"Tujuan penelitian ini adalah untuk mengetahui apakah besaran dana cleansing serta kondisi makro ekonomi yang direpresentasikan oleh IHSG, SWBI dan KURS berdampak pada return Reksa Dana Syariah secara signifikan. Pengumpulan data dilakukan dengan Metode data primer berupa data time series Dana Cleansing, Nilai Aktiva Bersih (NAB) dari Bank Kustodian yang menjadi tempat penitipan harta Reksa Dana PNM Syariah serta imbal hasil SWBI, Nilai Tukar USD terhadap Rupiah yang merupakan Kurs Tengah Bank Indonesia serta Indeks Harga Saham Gabungan (IHSG) dari Bank Indonesia. Metode analisis Structural Equation Modelling (SEM) dipergunakan untuk melihat hubungan Dana Cleansing, IHSG, SWBI dan KURS secara individu maupun bersama-sama terhadap return Reksa Dana Syariah.Hasil Penelitian menunjukan bahwa secara individu besaran Dana Cleansing, SWBI dan KURS tidak terbukti mempengaruhi return secara signifikan namun IHSG terbukti mempengaruhi return Reksa Dana PNM Syariah secara signifikan. Secara bersama-sama, Dana Cleansing, IHSG, SWBI dan KURS terbukti mempengaruhi return Reksa Dana PNM Syariah. Hal ini memberikan indikasi bahwa Reksa Dana Syariah dapat memiliki kinerja yang sama dengan Reksa Dana Konvensional yang memiliki portofolio sama. Dengan demikian Dana Cleansing bukanlah suatu kendala yang dapat mempengaruhi investor untuk berinvestasi.

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The objective of the research is to find out the effects of cleansing fund and Macroeconomics condition represent by IHSG, SWBI and KURS on Shariah Mutual Fund return. Case study on Reksa Dana PNM Syariah by using primary time series data of its Cleansing Fund, Net Asset Value (NAV) which was taken from custodian bank while macroeconomic condition represent by SWBI, USD Exchange Rate (KURS) and Jakarta Composite Indices (IHSG) taken from Bank Indonesia.Structural Equation Modelling (SEM) is used to find the correlation among cleansing fund, IHSG, SWBI, KURS and Reksa Dana PNM Syariah return. It is not proven that cleansing fund, SWBI and KURS give the significant effect to Reksa Dana PNM Syariah return however IHSG is proven significantly influence on Reksa Dana PNM Syariah return. Cleansing fund, IHSG, SWBI and KURS simultaneously have influence on the return. The result gives clue that shariah mutual funds performance will have the same performance as conventional one assuming they are managed in the same portfolio. Therefore Cleansing Fund is not a barrier to achieve outstanding performance to attract investor."

"Penelitian ini bertujuan untuk mengidentifikasi determinan kredit bermasalah perbankan, yang secara umum dikategorikan menjadi dua faktor, yaitu faktor makroekonomi dan faktor spesifik perbankan. Pengujian dilakukan pada negara-negara sampel dengan sistem ekonomi bank-centered, yaitu Indonesia, Thailand, dan Malaysia. Data pengujian menggunakan metode panel data dinamis, dengan periode pengujian yang dimulai pada kuarter pertama tahun 2009 hingga kuarter pertama 2017. Penelitian ini menemukan adanya perbedaan antara komposisi variabel determinan kredit bermasalah sistem perbankan pada masing ndash; masing negara. Selain itu, penelitian ini juga membuktikan sifat kredit bermasalah di setiap negara yang cenderung terjadi secara berkelanjutan persistent atau dinamis, tercermin pada efek marjinal kredit bermasalah di periode selanjutnya.

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This study aims to identify determinants of banking non performing loans, which are generally divided into two factors, namely macroeconomic factors and bank specific factors. The test is performed with sample countries characterized with bank based economy, comprising Indonesia, Thailand, and Malaysia. This research employs dynamic panel data method, with period covering the first quarter of 2009 to the first quarter of 2017. The result suggests that there are different composition of non performing loans determinants for each country under study. Moreover, it also shows the persistent nature of non performing loans, reflected on its marginal effect for non performing loans in the next period."

"Penelitian ini bertujuan untuk mempelajari karakteristik dan faktor-faktor yang berkaitan dengan kehamilan remaja pada empat negara di Asia Tenggara, yaitu Indonesia, Filipina, Kamboja, dan Myanmar dengan menggunakan analisis multilevel regresi logistik. Data Demographic and Health Survey digunakan sebagai data pada level individu. Data level kontekstual menggunakan data indikator sosial dan ekonomi dari masing-masing negara. Berdasarkan hasil pengolahan data diperoleh bahwa penentu utama kejadian kehamilan remaja adalah variabel individual. Durasi lama pendidikan, status sosial ekonomi, dan pengetahuan tentang alat kontrasepsi berhubungan dengan kehamilan remaja di empat negara. Analisis data yang bersifat cross sectional menjadi keterbatasan dalam penelitian ini.

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This study aims to analyze the characteristics and factors related to teenage pregnancy in four countries in Southeast Asia: Indonesia, Philippines, Cambodia and Myanmar by using multilevel logistic regression analysis. Demographic and Health Survey data is used as data at the individual level. Contextual level data uses social and economic indicator data from each country.

The results of data processing obtained that the main determinant of the incidence of teenage pregnancy is an individual variable. The years of schooling, socioeconomic status, and knowledge about contraception are related to teenage pregnancy in four countries."

"Penelitian ini bertujuan untuk mencari faktor-faktor yang secara signifikan menjadi determinan likuiditas pasar sukuk negara di Indonesia. Penulis menggunakan karakteristik sukuk jumlah penerbitan, YTM, dan sisa tenor , faktor makroekonomi inflasi, JIBOR, dan JII , dan Consumer Confidence Index Indonesia sebagai variabel-variabel independen, kemudian melakukan regresi panel terhadap variabel dependennya yaitu volume perdagangan bulanan dari sukuk negara di Indonesia. Hasil dari penelitian ini menunjukkan bahwa jumlah penerbitan sukuk dan JIBOR memberikan dampak positif terhadap likuiditas pasar sukuk negara, sedangkan tingkat inflasi, JII, dan YTM sukuk memberikan dampak negatif terhadap likuiditas pasar sukuk negara. Consumer Confidence Index dan sisa tenor terbukti memiliki pengaruh yang tidak signifikan terhadap likuiditas pasar sukuk negara. Penelitian ini berkontribusi dalam mengisi kekosongan studi empiris terkait determinan likuiditas pasar sukuk negara di Indonesia.

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This study attempts to examine the factors that significantly affect sovereign sukuk market liquidity in Indonesia. The author uses the sukuk rsquo s characteristics issuance amount, YTM, and remaining maturity , macroeconomic factors inflation, JIBOR, and JII , and Indonesia rsquo s Consumer Confidence Index as independent variables and then conducts a panel regression against the dependent variable which is Indonesia rsquo s sovereign sukuk monthly trade volumes.

The result shows that sukuk rsquo s issuance amount and JIBOR have a positive impact while the inflation level, JII and YTM have a negative impact on sukuk market liquidity. However, Consumer Confidence Index and remaining maturity are not proven to be significant determinants for sukuk market liquidity. This study contributes in filling the gap of empirical study regarding sukuk market liquidity determinants in Indonesia."

"ABSTRAKPemerintah Indonesia memasang target untuk menghapuskan pekerja anak melalui program Indonesia bebas Pekerja Anak 2022. Memang dalam 10 tahun terakhir, angka pekerja anak terus menurun. Namun, di Indonesia, hingga tahun 2015, jumlah pekerja anak masih cukup tinggi. Untuk lebih menekan jumlah pekerja anak ini harus diketahui terlebih dahulu faktor-faktor apa saja yang menyebabkan anak tersebut bekerja atau tidak bekerja. Beberapa penelitian menunjukkan bahwa terdapat beberapa faktor yang berpengaruh terhadap satus anak tersebut bekerja atau tidak bekerja. Dengan menggunakan pendekatan kualitatif dan kuantitatif, penelitian ini berusaha untuk melihat determinan dari supply pekerja anak dengan studi kasus di Sekolah Master Depok. Hasil dari penelitian ini adalah bahwa jenis kelamin anak, jumlah saudara kandung dan pendidikan terakhir kepala keluarga berpengaruh signifikan terhadap status anak bekerja atau tidak bekerja di Sekolah Master Depok.

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ABSTRACTIndonesian Government already set a target to eliminate child labor through the Indonesia Bebas Pekerja Anak 2022. Indeed, in the last 10 years, the number of child labor continues to decline. However, in Indonesia, until 2015, the number of child labor is still high enough. To reduce the number of child laborers it must be known in advance what factors cause the child to work or not. Several studies have shown that there are several factors that affect the child willingness to work or not. Using a qualitative and quantitative approach, this research seeks to see the determinants of child labor supply with a case study at Sekolah Master Depok. The result of this research shows that there are several factors that have significant influence the status of children that working or not in Sekolah Master Depok such as gender, number of siblings and education of head of household. "