scholarly journals Analisis pengaruh promosi dan margin terhadap keputusan pengambilan kredit kepemilikan rumah (KPR) syariah

2021 ◽  
Vol 1 (7) ◽  
pp. 638-647
Author(s):  
Donni Pratama ◽  
Nasikh Nasikh
Keyword(s):  
Decision Making ◽  
Significant Influence ◽  
Home Ownership ◽  
Quantitative Approach ◽  
Statistical Procedures ◽  
The Government ◽  
Objective Variable ◽  
Variable Measurement

Abstract Bank Indonesia's Monetary and Fiscal Statistics data shows that financing provided by all types of banks in Indonesia increased by Rp. 504.494 billion in 2019 to Rp 513.528 billion in October 2020. Banking in Indonesia that has a focus in the Home Ownership Credit sector is Bank Syariah Indonesia with both Conventional and Sharia system. This study uses a descriptive quantitative approach due to the aspect of objective variable measurement with numbers in analyzing data using statistical procedures. The nature of this study is a correlation meaning that this study will look for the influence of promotion and also margin on sharia home ownership credit (HOM) decision making. Based on the research that has been done, it can be concluded that:(1) There is a significant influence between the promotion of sharia home ownership loan (HOM) decision at Bank Syariah Indonesia Soekarno-Hatta Malang Branch. This is evidenced by the existence of customers who take a mortgage after learning of the promotion from the bank. (2) Variable x2 margin has no effect on sharia mortgage decision making due to what happens in the field of respondents choosing to take HOM due to subsidies from the government. (3) There is a significant influence between promotion and margin on sharia home ownership credit decision making at Bank Syariah Indonesia Soekarno Hatta Branch. Abstrak Data Statistik Moneter dan Fiskal Bank Indonesia menunjukan pembiayaan yang diberikan oleh seluruh jenis Bank yang ada di Indonesia mengalami peningkatan yaitu sebesar Rp. 504,494 Miliar di Tahun 2019 meningkat menjadi Rp 513,528 Miliar pada Oktober Tahun 2020. Perbankan di Indonesia yang memiliki fokus di sektor Kredit Pemilikan Rumah adalah Bank Syariah Indonesia baik dengan sistem Konvensional maupun Syariah. Penelitian ini menggunakan pendekatan kuantitatif deskriptif dikarenakan aspek pengukuran variabel secara objektif dengan angka dalam menganalisis data menggunakan prosedur statistika. Sifat penelitian ini adalah korelasi artinya penelitian ini akan mencari ada tidaknya pengaruh antara promosi dan juga margin terhadap keputusan pengambilan kredit kepemilikan rumah (KPR) Syariah. Berdasarkan penelitian yang telah dilakukan, dapat disimpulkan bahwa: (1) Terdapat pengaruh yang signifikan antara promosi terhadap keputusan pengambilan kredit kepemilikan rumah (KPR) syariah di Bank Syariah Indonesia Cabang Soekarno–Hatta Malang. Hal ini dibuktikan dengan adanya nasabah yang mengambil KPR setelah mengetahui promosi dari bank tesebut. (2) Variabel x2 margin tidak berpengaruh terhadap pengambilan keputusan KPR Syariah disebabkan hal yang terjadi di lapangan responden memilih mengambil KPR dikarenakan subsidi dari pemerintah. (3) Terdapat pengaruh signifikan antara promosi dan margin terhadap pengambilan keputusan kredit kepemilikan rumah syariah di Bank Syariah Indonesia Cabang Soekarno Hatta.

scholarly journals Price and non-price decision making factors for groundnut production in Karnataka: An evidence from Nerlove’s supply response approach

2021 ◽  
Vol 17 (1) ◽  
pp. 1-8
Author(s):  
S.M. Jainuddin ◽  
Seema ◽  
K. Suhasini ◽  
T. Lavanya
Keyword(s):  
Decision Making ◽  
Significant Influence ◽  
Secondary Data ◽  
The State ◽  
Supply Response ◽  
Price Decision ◽  
Decision Making Factors ◽  
The Government

The study was conducted with objectives to assess the decision making factors in allocation of area for groundnut production in Karnataka. The secondary data on price and non-price variables were collected from the period 1975-76 to 2015-16. The study concluded that the lagged area, lagged production and lagged yield had exerted significant influence on current year’s area, production and yield of the crop across all the period. The study showed that the co-efficient of non-price factors such as rainfall or irrigation was significant which is more important and complementary to price factors for decision making in allocation of land for groundnut production in the state. The study suggested that, attention should be given to expansion of irrigation facility and developing the suitable HYV in groundnut through suitable policy and programmes in the state which may encourage farmers to achieve stable yields and incomes. The government agenises like SAU; Dept of Agriculture, GOK; Extension units, KOF etc., have to arrange for the buyback of groundnut oilseed with processors or oil millers that could benefit the farmers and in turn farmers will expand the area under oilseeds crops in general and groundnut crop in particular in the state.

A Quantitative Approach to Identify the Arguments that Support Decisions in E-Cognocracy

2013 ◽  
pp. 64-76
Author(s):  
Adrián Toncovich ◽  
Alberto Turón ◽  
Maria Teresa Escobar ◽  
José Maria Moreno-Jiménez
Keyword(s):  
Decision Making ◽  
Knowledge Society ◽  
Decision Makers ◽  
Quantitative Approach ◽  
Collaborative Tools ◽  
The People ◽  
Information And Communication ◽  
Democratic System ◽  
The Government ◽  
Public Decision

E-cognocracy (Moreno-Jiménez, 2003, 2004, 2006; Moreno-Jiménez & Polasek, 2003, 2005) is a new democratic system that adjusts traditional or representative democracy to meet the needs and challenges of the Knowledge Society. If e-democracy is understood as the government of the people by means of information and communication technology (ICT), e-cognocracy is the government of knowledge and wisdom by means of ICT. This “social wisdom” is created in a cognitive constructivist way through the network by all citizens interested in the resolution of the considered problem (García Lizana & Moreno-Jiménez, 2008). To extract and share the knowledge associated with the scientific resolution of public decision-making problems, e-cognocracy must identify the arguments that support decisions by analyzing the messages and comments provided by the actors involved in the decision-making process through the collaborative tools used in the discussion phase. Therefore, this paper presents different decisional tools based on the quantitative values corresponding to the decision makers’ preferences, which are oriented to the identification of the outstanding comments. The arguments supporting the decisions made by the different actors are obtained, in a further step, from these comments by using text-mining techniques.

scholarly journals The Effect of Halal Destination Image, Travel Motivation and Marine Tourism as Branding Icons on Tourists' Decisions to Revisit

2020 ◽  
Vol 7 (11) ◽  
pp. 40
Author(s):  
Noni Antika Khairunnisah ◽  
Sulhaini Sulhaini ◽  
Lalu Edy Herman Mulyono
Keyword(s):  
Data Analysis ◽  
Significant Influence ◽  
Millennial Generation ◽  
Quantitative Approach ◽  
Destination Image ◽  
Marine Tourism ◽  
Travel Motivation ◽  
Insignificant Effect ◽  
Beach Tourism ◽  
The Government

This research aims to investigate the influence of the Halal Destination Image, Travel Motivation, and marine tourism as branding icons on the decision to return. The sample was determined by purposive sampling with the criteria of tourists visiting Tanjung Aan Beach, who were included in the millennial generation with a minimum of one visit. This research uses of quantitative approach with a sample of seventy-five respondents. Data analysis used Statistical Product and Service Solution (SPSS) Version 16. The results of this research showed that the Halal Destination Image variable had a negative and insignificant effect on the decision to revisit tourists, the Travel motivation variable has a positive and significant influence on the decision to revisit tourists, and the marine tourism variable as a branding icon has a positive and significant effect on the decision to revisit tourists. This research is expected to be a reference, especially for the government and stakeholders in optimizing the implementation of the Halal Destination Image in a better direction, as well as increasing the decision to visit tourists to visit Tanjung Aan Beach tourism

From Prime Ministerial Power to Core Executive

2017 ◽  
Author(s):  
R. A. W. Rhodes
Keyword(s):  
Decision Making ◽  
Prime Minister ◽  
Central Government ◽  
Government Policies ◽  
Approaches To Studying ◽  
The Core ◽  
Executive Politics ◽  
Core Executive ◽  
The Government ◽  
Different Parts

The core executive is a new concept replacing the conventional debate about the power of the prime minister and the Cabinet. It refers to all those organizations and procedures that coordinate central government policies, and act as final arbiters of conflict between different parts of the government machine. In brief, the ‘core executive’ is the heart of the machine. The chapter reviews the several approaches to studying the British executive: prime ministerial government; prime ministerial cliques; Cabinet government; ministerial government; segmented decision-making; and bureaucratic coordination. It then discusses several ways forward by developing new theory and methods. The Afterword discusses the core executive as interlocking networks, and the fluctuating patterns of executive politics.

scholarly journals Housing Programs for the Poor in Addis Ababa: Urban Commons as a Bridge between Spatial and Social

2021 ◽  
pp. 009614422198997
Author(s):  
Marianna Charitonidou
Keyword(s):  
Decision Making ◽  
Urban Planning ◽  
Low Income ◽  
Addis Ababa ◽  
Low Cost ◽  
Development Program ◽  
Housing Program ◽  
Cultural Aspects ◽  
The Poor ◽  
The Government

The article presents the reasons for which the issue of providing housing to low-income citizens has been a real challenge in Addis Ababa during the recent years and will continue to be, given that its population is growing extremely fast. It examines the tensions between the universal aspirations and the local realities in the case of some of Ethiopia’s most ambitious mass pro-poor housing schemes, such as the “Addis Ababa Grand Housing Program” (AAGHP), which was launched in 2004 and was integrated in the “Integrated Housing Development Program” (IHDP) in 2006. The article argues that the quotidian practices of communities and their socio-economic and cultural characteristics are related to the spatial attributes of co-housing practices. Drawing upon the idea that there is a mutual correspondence between social and spatial structures, it places particular emphasis on the analysis of the IHDP and aims to show that to shape strategies that take into account the social and cultural aspects of daily life of the poor citizens of Addis Ababa, it is pivotal to invite them to take part in the decision-making processes regarding their resettlement. Departing from the fact that a large percentage of the housing supply in Addis Ababa consists of informal unplanned housing, the article also compares the commoning practices in kebele houses and condominium units. The former refers to the legal informal housing units owned by the government and rented to their dwellers, whereas the latter concerns the housing blocks built in the framework of the IHDP for the resettlement of the kebele dwellers. The article analyzes these processes of resettlement, shedding light of the fact that kebele houses were located at the inner city, whereas the condominiums are located in the suburbs. Despite the fact that the living conditions in the condominium units are of a much higher quality than those in the kebele houses, their design underestimated or even neglected the role of the commoning practices. The article highlights the advantages of commoning practices in architecture and urban planning, and how the implementation of participation-oriented solutions can respond to the difficulties of providing housing. It argues that understanding the significance of the endeavors that take into account the opinions of dwellers during the phase of decision-making goes hand in hand with considering commoning practices as a source of architecture and urban planning frameworks for low-cost housing in this specific context. The key argument of the article is that urban planning and architecture solutions in Addis Ababa should be based on the principles of the so-called “negotiated planning” approach, which implies a close analysis of the interconnections between planning, infrastructure, and land.

scholarly journals A signed network perspective on the government formation process in parliamentary democracies

2021 ◽  
Vol 11 (1) ◽  
Author(s):  
Angela Fontan ◽  
Claudio Altafini
Keyword(s):  
Decision Making ◽  
Formation Process ◽  
Signed Graph ◽  
Balance Theory ◽  
Collective Decision Making ◽  
Dynamical Models ◽  
Average Correlation ◽  
Parliamentary Democracies ◽  
Signed Network ◽  
The Government

AbstractIn parliamentary democracies, government negotiations talks following a general election can sometimes be a long and laborious process. In order to explain this phenomenon, in this paper we use structural balance theory to represent a multiparty parliament as a signed network, with edge signs representing alliances and rivalries among parties. We show that the notion of frustration, which quantifies the amount of “disorder” encoded in the signed graph, correlates very well with the duration of the government negotiation talks. For the 29 European countries considered in this study, the average correlation between frustration and government negotiation talks ranges between 0.42 and 0.69, depending on what information is included in the edges of the signed network. Dynamical models of collective decision-making over signed networks with varying frustration are proposed to explain this correlation.

scholarly journals Business Lobbying: Mapping Policy Networks in Brazil in Mercosur

2018 ◽  
Vol 7 (10) ◽  
pp. 198
Author(s):  
Galia Benítez
Keyword(s):  
Decision Making ◽  
Trade Policy ◽  
National Level ◽  
Executive Branch ◽  
Policy Networks ◽  
Policy Network ◽  
Common External Tariff ◽  
Policy Structure ◽  
Business Lobbying ◽  
The Government

In the creation of trade policy, business actors have the most influence in setting policy. This article identifies and explains variations in how economic interest groups use policy networks to affect trade policymaking. This article uses formal social network analysis (SNA) to explore the patterns of articulation or a policy network between the government and business at the national level within regional trade agreements. The empirical discussion herein focuses on Brazil and the setting of exceptions list to Mercosur’s common external tariff. It specifically concentrates on the relations between the Brazilian executive branch and ten economic subsectors. The article finds that the patterns of articulation of these policy networks matter and that sectors with stronger ties to key government decision-makers have a structural advantage in influencing trade policy and obtaining and/or maintaining their desired, privileged trade policies, compared with sectors that are connected to government actors with weak decision-making power, but might have numerous and diversified connections. Therefore, sectors that have a strong pluralist–clientelist policy structure with connections to government actors with decision-making power have greater potential for achieving their target policies compared with more corporatist policy networks.

Les chefs de cabinets ministériels au Québec: la transition du gouvernement libéral au gouvernement péquiste (1976–1977)

1981 ◽  
Vol 14 (2) ◽  
pp. 309-335 ◽  
Author(s):  
Micheline Plasse
Keyword(s):  
Decision Making ◽  
Civil Service ◽  
The State ◽  
Comparative Perspective ◽  
Decision Making Process ◽  
The Social ◽  
Economic Forces ◽  
The Government

This article first presents a brief survey of the role and functions filled by the personal aide (chef de cabinet) of a minister in Quebec. The analysis continues, in a comparative perspective, by tracing a sociological and professional portrait of the Liberal“chefs de cabinet” in April 1976 and their successors in the pequiste government in July 1977.We then test the hypothesis that the cleavage between the government and the dominant economic forces has increased since November 15, 1976 as a result of the ideology articulated by the“chefs de cabinet” regarding the social and economic aims of the state. This hypothesis was confirmed.The hypothesis that the pequiste“chefs de cabinet” exercise a more pronounced influence on the decision-making process is also confirmed. Nevertheless, one cannot argue that the pequiste“chefs de cabinet” usurped the power of the legislators; their influence is more political than technocratic. The growing influence of the pequiste“chefs de cabinet” neverthelsss helps to accentuate the tensions and conflicts between the higher civil service and the ministerial aides.

The use and non-use of the government financial report by Maltese Members of Parliament

2018 ◽  
Vol 31 (4) ◽  
pp. 1124-1144 ◽  
Author(s):  
Josette Caruana ◽  
Brady Farrugia
Keyword(s):  
Decision Making ◽  
Information Overload ◽  
Qualitative Interviews ◽  
Financial Reports ◽  
Content Type ◽  
Financial Report ◽  
Members Of Parliament ◽  
The Government ◽  
And Performance ◽  
Questionnaire Research

Purpose The purpose of this paper is to examine the use and non-use of the Government Financial Report by Maltese Members of Parliament (MPs). It refers to information overload theory to analyse the gap between financial reports and their relevance for decision making. Design/methodology/approach A mix of qualitative (interviews) and quantitative (questionnaire) research tools are applied, with the Maltese MPs being the research participants. This method is acclaimed to be comprehensive, but this study highlights certain disadvantages when applied in the political arena. Findings The characteristics of the information itself could be the main cause of information overload, resulting in the non-use of the financial report for decision making. Politicians refer to financial data for their decision making, but not to the data presented in the financial report. Irrespective of the politician’s professional background, the data in the financial report is perceived as incomplete and outdated. Practical implications The cause of information overload and its effects are important considerations for preparers of financial information and accounting standard setters, if they wish that their production is relevant for decision makers. Originality/value There is an increase in research concerning politicians’ use of budgetary and performance information, at local and regional levels of government. This study investigates exclusively the use of the financial report by politicians at central level, in a politically stable environment.

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