Religiosity level and saving decisions in Baitul Maal wat Tamwil: the case of Indonesia

2019 ◽  
Vol 11 (6) ◽  
pp. 1465-1483
Author(s):  
Ibrahim Fatwa Wijaya ◽  
Arif Rahman Hakim ◽  
Nugroho Saputro ◽  
Mulyadi Mulyadi

Purpose This paper aims to examine the relationship between religiosity level and reasons for saving money in Islamic microfinance institutions [Baitul Maal wat Tamwil (BMT)] in Surakarta and Sukoharjo, Indonesia. Design/methodology/approach A chi-square test was used to identify the relationship between religiosity level and saving decisions in BMTs. In addition, the authors tested religiosity level and the reasons for transactions in both BMTs and conventional banking. Data were collected via a questionnaire. A total of 523 respondents from Surakarta and Sukoharjo, Indonesia, participated in the survey. The respondents are customers of 31 BMTs in Surakarta and Sukoharjo. Findings The authors find a significant relationship between one’s religiosity and the reason for saving money in BMTs. Products that are in accordance with Islamic principles form the highest reason for saving money in BMTs, followed by quality of service, recommendation from friends and location. In addition, purpose of business is the main reason for transactions in both BMTs and conventional banking. However, there is no significant relationship between religiosity level and the decision to transact in both BMTs and conventional banking. Originality/value There is a lack of literature discussing Islamic microfinance institutions, especially in Indonesia. Furthermore, BMT customers have different characteristics compared with those of large banks.

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Marwa Fersi ◽  
Mouna Bougelbène

PurposeThe purpose of this paper was to investigate the impact of credit risk-taking on financial and social efficiency and examine the relationship between credit risk, capital structure and efficiency in the context of Islamic microfinance institutions (MFIs) compared to their conventional counterparts.Design/methodology/approachThe stochastic frontier approach was used to estimate the financial and social efficiency scores, in a first step. In a second step, the impact of risk-taking on efficiency was evaluated. The authors also took into account the moderating role of capital structure in this effect using the fixed and random effects generalized least squares (GLS) with a first-order autoregressive disturbance. The used dataset covers 326 conventional MFIs and 57 Islamic MFIs in six different regions of the world over the period of 2005–2015.FindingsThe overall average efficiency scores are less than 50%, where CMFIs could have produced their outputs using 48% of their actual inputs. IMFIs record the lowest financial (cost) efficiency that is equal to 28% on average. The estimation results also reveal a negative impact of nonperforming loan on financial and social efficiency. Finally, the moderating effect of leverage funding on the relationship between credit risk-taking and financial efficiency was confirmed in CMFIs. However, leverage seems to moderate the effect of risk-taking behavior on social efficiency for IMFIs.Originality/valueThis paper makes an initial attempt to evaluate the effect of risk-taking decision and its implication on efficiency and MFIs' sustainability. Besides, it takes into consideration the role played by the mode of governance through the ownership structure. In addition, this research study sheds light on the importance of the financial support for the development and sustainability of these institutions, which in return, contributes to a sustainable economic development.


2015 ◽  
Vol 10 (2) ◽  
pp. 344
Author(s):  
Sutarman 01

This study aimed to examine the extent to which the relationship variables (gender, age, level of education and class) to the discipline of civil servants in the General Section of the Regional Secretariat Bengkayang, to analyze the factors that have a positive and significant relationship with the discipline in General District Secretariat Office Bengkayang. The sample in this study population using all Civil Servants in the General Section Regional Secretariat Bengkayang of 60 people (saturated sampling technique). The analytical method used was a bivariate analysis with chi square test (χ2) and the hypothesis testing. Based on the analysis results of the chi square test showed that four factors have a positive and significant relationship with the discipline of civil servants, namely Gender, the value of χ2 count = 6173> Asymp. sig. (1-sided) = 0.013. Age to calculate χ2 = 23.741> Asymp.Sig. (1-sided) = 0.000. Education level with χ2 count = 11 507> Asymp.Sig. (1-sided) = 0.009. and a group with a value of χ2 count = 10 446> Asymp. sig. (1-sided) = 0.005.


Author(s):  
Bina Aquari Bina Aquari

ABSTRAK   Kontrasepsi Hormonal sebagai salah satu alat Kontrasepsi meningkat dan tajam. Menurut World Health Organization (WHO) 2014, Pengguna alat kontrasepsi suntik yaitu 35,3%, pil yaitu 30,5%, IUD yaitu 15,2%, Implant 7,3%, dan 11,7% Kontrasepsi lainnya. Tujuan penelitian ini untuk mengetahui apakah ada hubungan peningkatan berat badan dan ketidakteraturan siklus haid dengan KB suntik pada akseptor KB di Puskesmas Pembina Palembang Tahun 2018.Rumusan masalah penelitian ini adalah hubungan antara umur dan pengetahuan akseptor tentang KB Suntik di Puskesmas Pembina Palembang Tahun 2018.Penelitian ini menggunakan survey analitik dengan pendekatan cross sectional yang dilakukan dengan kuesioner.Uji Statistic yang dipakai adalah Uji Chi-Square. Populasi dalam penelitian ini berjumlah 62 orang dan seluruh Populasi dijadikan sampel. Dari hasil analisa univariat responden yang memakai KB Suntik lebih besar yaitu sebanyak 36 orang (58,1%), dan 26 orang (41,9%) yang tidak memakai KB Suntik. Responden yang berat badannya meningkat memakai kontrasepsi sebanyak 33 orang (53,2%), sedangkan responden yang berat badannya tidak meningkat sebanyak 29 orang (46,8%) dibandingkan dengan responden yang siklus haidnya tidak teratur adalah sebanyak 32 orang (51,6%). Hasil analisa statistik dengan menggunakan Uji Chi-Square dengan df = 1 ada hubungan yang bermakna peningkatan berat badan dengan KB Suntik pada akseptor KB diperoleh p value (0.006) lebih kecil dari (0,05) dan ada hubungan yang bermakna ketidakteraturan siklus haid dengan KB suntik pada akseptor KB diperoleh p value (0,011) lebih kecil dari (0,05). Saran agar petugas kesehatan meningkatkan kinerja dan sistem informasi mengenai masalah yang berhubungan dengan pemakaian KB Suntik.       ABSTRACT   The hormonal contraception as becoming on of the contraceptions tools which is increasing sharply. Based on world Health Organitation (WHO) the user of injected contraception is 35,3%, pill 30,5%, IUD 15%, implant 7,3%, and 11,7% for another contraception. The purpose of this research is for knowing wheter there is the increasing of weight and the irregular of monthly period with injected contraception for the acceptor at Puskesmas Pembina Palembang in 2014. The main case of this research is the relationship between the increasing of the weight and the irregular monthly period at Puskesmas Pembina Palembang in 2014. This research using analytic survey with cross sectional closing yhat was done by using questioner, the statistic test which take is Chi-Square test. The population in this reseacrh are 62 peoples, and all off them as becoming the sample from the result of respondent univariat analyze whom using the injected contraception in bigger that is exactly 36 people (58,1%) and 26 people (41,9%) whom do not using it. The respondent with their weight is increasing because of using contraception is 33 people (53,2%), while the respondent whom the weight do not increasing is 29 people (46,8%), when we compare with the respondent whom the monthly period is irregular are 32 people (51,6%). The result for statistic analyze by using the Chi-Square test with the df = 1 says that there is a significant relationship between the weight increasing with the injected contraception for the acceptor we get p value (0,006) is smaller than (0,05) and there is significant relationship between the injected contraception for the acceptor we get p value (0,011) with is smaller than (0,05). The sugestion of the health workes to increasing the performance the information sistem about the problem that is connected with the inject contraception using


2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Nevine Samir Mohamed Ibrahim Abou Donia

Purpose This paper aims to provide an evaluation of the new education system, based on Life Skills and Citizenship Education (LSCE), in Egyptian primary schools. This study analyzes how effective could be the implementation of LSCE in the process of constructing active democratic citizens, in particular, in the case of Egypt, highlighting problems facing the new education approach. Design/methodology/approach The study methodologies are twofold; the content analysis of the primary one new curriculum “Discover”, to assess the curriculum's strengths and weakness; and the questionnaire to the primary six students, to investigate the relationship among the twelve life skills. Findings Content analysis of the textbook shows that the learning process based on LSCE is appropriate for the construction of active citizens. The textbook provides Egyptian children with the necessary opportunities to learn and create, through creative participatory methods. The relationship between the social dimension and other dimensions has been proven by means of the chi-square test. The relationship between participation and the two approximately absent skills “resilience and empathy” has been clarified as both are strongly interrelated with participation. The results illuminate a strong relationship between participation and the remaining life skills. Research limitations/implications More questionnaires are needed to assess the grade of life skills achievement among students in grade one and two, as it is regarded one of the limitations of the present study, owing to the complicated procedures and the limited time. Practical implications The research suggests the formulation of wider project-based activities to be included in the textbooks of all the primary grades. In this regard, real contribution with NGOs and local governments shall be developed to facilitate the involvement of children in actual projects, in accordance with their ages, and to encourage students to participate, as they notice the efficient results of their contribution. Social implications The research stresses on the importance of enhancing participation, as it is proven through the chi-square test that it is strongly related to other skills. Originality/value The scarcity of analytical studies to evaluate the effectiveness of citizenship education programs on children, after the application of the new Egyptian education system.


2021 ◽  
Vol 2 (1) ◽  
pp. 23
Author(s):  
Putri Ayu Anjani ◽  
Khairizka Citra Palupi ◽  
Mertien Sa’pang ◽  
Dudung Angkasa ◽  
Vitria Melani

Constipation marked by feces hard one, dry, and difficult issued. About 73.9% pregnant women experience constipation. Increase in the hormone progesterone for pregnant women resulted in drop motility gastrointestinal tract. Constipation affects psychology and causes swelling of the rectum area.To determine the relationship between the level of fiber adequacy, to consumption of Fe tablets and depression and to see the combined risk factors for depression and adherence to consumption of Fe tablets with the incidence of constipation in pregnant women. Design this research is observational analytics with Cross Sectional design. The sample of pregnant women is 55 people with purposive sampling data collection technique. Taking data done with use questionnaire. Statistic test used the chi-square test. 58.2% of pregnant women experienced constipation; 92.7% insufficient fiber sufficiency level; 40.0% adhered to consuming Fe tablets; 55.4% experienced depression; 23.6% of depression was adherent. The results of the chi-square test showed that there was no significant relationship between the level of fiber adequacy and the incidence of constipation in pregnant women (p = 0.298) and a significant relationship with the incidence of constipation in pregnant women, namely consuming Fe tablets (p = 0.039; OR = 4.080), depression (p = 0.026; OR = 4.125), risk factors for the combination of depression and adherence to consumption of Fe tablets (p = 0.005).Compliance with Fe tablet consumption and depression can increase the risk of constipation in pregnant women by 4,080 times and 4,125 times.


2020 ◽  
Vol 4 (2) ◽  
pp. 187-191
Author(s):  
Rina Aprianti ◽  
Susilo Wulan ◽  
Elza Wulandari

Background: Fatigue is a feeling of tiredness, decreased level of vigilance, decreased physical performance, decreased work motivation and ultimately can reduce one's productivity. The working period is knowledge or skills that someone has known and controlled as a result of an act or job that has been carried out for a certain period of time. The purpose of this study was to determine the relationship between work tenure and subjective work fatigue in inpatient nurses at dr. M Yunus Bengkulu. Subjects and Methods: This study was a type of analytic survey with a cross sectional approach which was carried out in dr. M Yunus Bengkulu. The population is nurses. Sampling used a total sampling technique of 128 nurses. The independent variable in this study is tenure. The dependent variable in this study is subjective work fatigue. The instrument used was a questionnaire. The data analysis used is chi square, which is to test whether there is a relationship between independent and dependent variables. Results: This study showed that most of the nurses experienced subjective work fatigue with the moderate category as many as 65 nurses (50.7%) and had a service life of> 10 years as many as 84 (65.6%). The results of the chi square test showed that there was a statistically significant relationship between years of service (p = 035). Conclusion: The conclusion of this study is that there is a statistically significant relationship between tenure and subjective work fatigue in inpatient nurses at RSUD Dr. M Yunus Bengkulu. Keywords: Working Period, Subjective Work Fatigue


2014 ◽  
Vol 7 (2) ◽  
pp. 48-53
Author(s):  
Munardi Munardi

AbstrakPenelitian fenomenologi ini mempelajari tentang faktor-faktor yang mempengaruhi kebutuhan tidur meliputi aspek fisik, psikologis, lingkungan, dan gaya hidup pada pasien yang mengalami perubahan fungsi pernafasan. Desain penelitian adalah deskriptif korelasi. Sampel dipilih berdasarkan purposif sampling sehingga diperoleh jumlah responden 39 orang. Data diukur dengan menggunakan kuesioner penelitian yang telah diuji konstruk dan kesesuaiannya. Analisa data menggunakan Uji Chi Square (x2) dengan x 0,05 dan df 2 (x2 tabel = 5,991) sehingga diperoleh hasil x2 hitung 7,839 dan 11,636 masing-masing untuk hubungan nyeri, factor psikologis, dan faktor lingkungan terhadap gangguan kebutuhan tidur. Kesimpulan terdapat hubungan yang bermakna antara faktorfaktor yang mempengaruhi tidur dengan gangguan kebutuhan tidur pada pasien dengan perubahan fungsi pernafasan. AbstractThis phenomelogical research studied factors influencing sleep. The factors were physical, psychological, environmental and life style of patients with respiratory function disturbance. The research design was descriptive correlation. The sample was selected based on correlation. The sample was selected based on purposive sampling. The number of responden was 39. A questionnaire was tested for validity and reability prior to collect data. A chi-square test was employed to measure the relationship between pain, psychologic and environmental factors, and need of sleep ( 0,05, df 2, x2 table: 5,991). The findings showed significant relationship between factors influencing sleep and disturbance of sleeping needs in patients with respiratory function disturbance (calculated x2 7,839 and 11,636).AbstrakPenelitian fenomenologi ini mempelajari tentang faktor-faktor yang mempengaruhi kebutuhan tidur meliputi aspek fisik, psikologis, lingkungan, dan gaya hidup pada pasien yang mengalami perubahan fungsi pernafasan. Desain penelitian adalah deskriptif korelasi. Sampel dipilih berdasarkan purposif sampling sehingga diperoleh jumlah responden 39 orang. Data diukur dengan menggunakan kuesioner penelitian yang telah diuji konstruk dan kesesuaiannya. Analisa data menggunakan Uji Chi Square (x2) dengan x 0,05 dan df 2 (x2 tabel = 5,991) sehingga diperoleh hasil x2 hitung 7,839 dan 11,636 masing-masing untuk hubungan nyeri, factor psikologis, dan faktor lingkungan terhadap gangguan kebutuhan tidur. Kesimpulan terdapat hubungan yang bermakna antara faktorfaktor yang mempengaruhi tidur dengan gangguan kebutuhan tidur pada pasien dengan perubahan fungsi pernafasan. AbstractThis phenomelogical research studied factors influencing sleep. The factors were physical, psychological, environmental and life style of patients with respiratory function disturbance. The research design was descriptive correlation. The sample was selected based on correlation. The sample was selected based on purposive sampling. The number of responden was 39. A questionnaire was tested for validity and reability prior to collect data. A chi-square test was employed to measure the relationship between pain, psychologic and environmental factors, and need of sleep ( 0,05, df 2, x2 table: 5,991). The findings showed significant relationship between factors influencing sleep and disturbance of sleeping needs in patients with respiratory function disturbance (calculated x2 7,839 and 11,636).


Author(s):  
Gunmala Suri ◽  
Navkiran ◽  
Gurman Kaur ◽  
Sneha Sharma

This study was conducted in Punjabi University, Patiala and focuses on the relationship between discipline of student and their response and attitude towards e-learning. In light of the extant literature it is recognized that discipline of students does play a role in understanding the satisfaction and experience of students in the education environment. It also analyses the effect of discipline of student on students response towards provision of e-learning and the impact of discipline of student on weekly Internet usage. The instrument used in collecting data was the questionnaire. This study analyzed 306 students enrolled in various courses across many departments in Punjabi University, Patiala. The results of ANOVA for analyzing the impact of discipline of student on scale on computer and e-learning attitude showed that a non-significant relationship exists between discipline of student and attitude towards e-learning, sentiment towards computer, computer/technology fear, whereas a significant relationship exists between discipline of student and perceived usage of computers. Chi square test of association disclosed that a moderate association exists between discipline of student and weekly Internet usage. The results of this study also show that students from all discipline are in favor of provision for e-learning facilities and of online access to classroom lectures.


e-NERS ◽  
2013 ◽  
Vol 1 (1) ◽  
Author(s):  
Martha Revy Sarame ◽  
A. Y. Ismanto ◽  
Abram Babakal

Abstract: Immunization is the vaccine into the body in the form of weakened germs that cause the body to produce antibodies but not cause disease, even children become immune.  The research objective was to determine the relationship of maternal knowledge about immunization with complete basic immunization in infants at IHC Health Center Village Paniki working area Ondong Tagulandang Biaro Siau Islands District . The study design was cross sectional method and using Chi-Square test on the value of the Fisher Exact Test. The study was conducted on 32 mothers of infants aged 9-12 months. Sampling with a total sampling instrument in the form of a questionnaire study to determine the motherʾs knowledge and KMS (Card Towards Health) to determine the completeness of immunization. The analysis shows there is a significant relationship between maternal knowledge about immunization with complete basic immunization in infants (p = 0,000). Conclusion that mothers with a good knowledge of immunization will do complete basic immunization in children compared to mothers with less knowledge about immunization. Keywords: Knowledge mother, Completed Basic Immunization.   Abstrak: Imunisasi  adalah pemberian vaksin ke dalam tubuh berupa bibit penykit  yang  dilemahkan yang menyebabkan tubuh memproduksi antibodi tetapi tidak menimbulkan penyakit, bahkan anak menjadi kebal. Tujuan penelitian adalah untuk mengetahui  hubungan pengetahuan ibu tentang imunisasi dengan kelengkapan pemberian imunisasi dasar pada bayi di Posyandu Kelurahan Paniki wilayah kerja Puskesmas Ondong Kabupaten Kepulauan Siau Tagulandang Biaro. Desain penelitian ini menggunakan metode Cross Sectional dan menggunakan  uji Chi-Square pada nilai Fisher Exact Test. Penelitian dilakukan pada 32 ibu yang memiliki bayi berusia 9-12 bulan. Pengambilan sampel secara total sampling dengan instrument penelitian berupa kuesioner untuk mengetahui pengetahuan ibu dan KMS (Kartu Menuju Sehat) untuk mengetahui kelengkapan imunisasi. Hasil analisis menunjukkan  terdapat hubungan bermakna antara pengetahuan ibu tentang imunisasi dengan kelengkapan pemberian imunisasi dasar pada bayi (p=0.000). Kesimpulan yaitu ibu dengan pengetahuan tentang imunisasi yang baik akan melakukan pemberian imunisasi dasar lengkap pada anaknya dibandingkan ibu dengan  pengetahuan tentang imunisasi yang kurang. Kata kunci: Pengetahuan ibu, Kelengkapan Imunisasi Dasar.


2018 ◽  
Vol 35 (3) ◽  
pp. 277-286 ◽  
Author(s):  
Sarah Alhouti ◽  
Giles D’Souza

Purpose The purpose of this paper is to determine how consumers benefit from corporate social responsibility (CSR) and whether spiritual benefits are a stronger outcome of CSR. Design/methodology/approach Items for values are developed and tested prior to their inclusion in an experiment that manipulates the presence and absence of CSR. A structural equation model is used to test the mediation effect of perceived value on the relationship between CSR and consumer outcomes. A chi-square test is used to compare the magnitude of the significant effects. Findings CSR influences spiritual, status, efficiency and aesthetic benefits equally. Spiritual benefits is a stronger predictor of attitude and personal satisfaction than efficiency and status benefits. Originality/value Conceptual and qualitative findings in the literature demonstrate that CSR is associated with spiritual benefits. This study quantitatively tests not only how CSR influences various benefits but also how those effects compare to the relationship between CSR and spiritual benefits. The examination of the effect of CSR benefits on consumer outcomes reveals that the types of benefits do not have identical effects.


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