scholarly journals OVERVIEW OF BSI DIGITALIZATION IN CREATING A HEALTHY COMPETITIVE MARKET BY OPTIMIZING EXISTING STATE-OWNED BANK CUSTOMERS

2021 ◽  
Vol 4 (2) ◽  
pp. 110
Author(s):  
Alivia Fitriani Hilmi
Keyword(s):  
Banking Sector ◽  
Swot Analysis ◽  
Descriptive Analysis ◽  
T Test ◽  
Competitive Market ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Quantitative Descriptive Analysis ◽  
The Government ◽  
Quantitative Descriptive

Indonesia has great potential for the development of the Islamic banking industry. However, the reality shows that this potential increase runs contrary to the development of Islamic banking. The concept of policies that have been set by the government has not been able to persuade the public to use Islamic banking. Therefore, the government implemented the latest policy, namely the merger of Islamic banks by providing one mobile banking. Where there is a merger of Islamic banks accompanied by digitalization, it automatically makes Indonesian Islamic banks a holding bank with larger capital, practical, efficient and easily recognizable. The merger of Islamic banks will strengthen the Islamic banking sector which is predicted to be able to move the real sector and have the highest assets. with the existing potential, the authors conducted research on the development of sharia bank customers by optimizing the digitalization of BSI with the potential for existing BUMN bank customers who have not used sharia services with a healthy competitive market. The research method used is SWOT analysis, as well as quantitative descriptive and simple linear regression T test withobservation data random sample. SWOT matrix analyzed the results also indicate one or mergers quadrant Islamic banks must maintain an aggressive strategy by leveraging the dominance of one bank BUMN.Selain existing customers, the result of quantitative descriptive analysis based on the calculation likert and intervalscale,72% of 60 respondents agreed to the item – a questionnaire item that refers to the creation of a healthy competitive market with the existence of BSI digital banking. From the results of the T test, it shows that there is an influence between the digitalization of banking mergers of Islamic banks on the optimization of existing customers of state-owned banks.

Analisis Kepatuhan Syariah pada Bank Syariah: Studi Kasus Bank Pembiayaan Rakyat Syariah

2020 ◽  
Vol 4 (1) ◽  
pp. 27-35
Author(s):  
Aini Maslihatin ◽  
Riduwan Riduwan
Keyword(s):  
Descriptive Analysis ◽  
Supervisory Board ◽  
Fundamental Principle ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Quantitative Descriptive Analysis ◽  
Sample Distribution ◽  
Quantitative Descriptive ◽  
Conventional Banks ◽  
High Degree

Sharia compliance is the adherence of Islamic banks to Islamic rules or laws in muamalah and is one of the factors that differentiate it from conventional banks. Therefore sharia compliance is a fundamental principle in Islamic banking practices. Muamalah law, especially the economy, has a high degree of difference, so the sharia compliance standards in Indonesia refer to the Fatwa of the National Sharia Council-Indonesian Ulama Council (DSN-MUI). This study aims to analyze the practice of sharia compliance in Islamic Rural Banks (BPRS) in Indonesia. The data analyzed is the assessment of the Sharia Supervisory Board (DPS) on the practice of BPRS for five years. The sample distribution covers all regions of Indonesia with 24 units of analysi with 46 respondenss. The data analysis used quantitative descriptive analysis and compared it with the DSN-MUI fatwa. This study's results indicate that the level of compliance with Islamic rural banks in Indonesia is, on average, excellent. Other findings show that, when viewed from the contract's practice, financing with a musyarakah contract has the highest level of sharia compliance compared to separate agreements. Meanwhile, the lowest sharia compliance is in the murabahah contract. This condition is influenced because Islamic banks often use the murabahah bil wakalah contract. The weakness of this contract lies in the procurement of goods by customers, often not accompanied by proof of purchase.

Strategi Pengembangan Kelompok Wanita Tani pada Optimalisasi Lahan Pekarangan di Desa Wonogiri

2018 ◽  
Vol 1 (1) ◽  
pp. 34-43
Author(s):  
Nindy Danisa Wulandari
Keyword(s):  
Government Regulation ◽  
Descriptive Analysis ◽  
Development Strategies ◽  
Women Farmers ◽  
Quantitative Descriptive Analysis ◽  
Self Reliance ◽  
The Government ◽  
Quantitative Descriptive ◽  
The One ◽  
Purposive Sample

Development of food security implemented to meet the human basic needs that provide benefits fairly and equitably based on self – reliance, and not contrary to public faith. Referring to the government regulation No 22 of 2009 concerning Food Consumption Diversification Acceleration (P2KP). However, it is not supported by the development of women farmers. The method use in this research is quantitative descriptive analysis using SWOT (Strength, Weakness, Opportunity and Treath). The samples in this study is the purposive sample. Result of a study showed the amount of income earned from the group of women farmers in the one month is 150,000/ members. Proper development strategies used in the development strategies used in the development KWT Melati is a Growth Oriented Strategy is very profitable strategy to seize opportunities with the strength. Pembangunan ketahan pangan dilaksanakan untuk memenuhi kebutuhan dasar manusia yang memberikan manfaat secara adil dan merata berdasarkan kemandirian, dan tidak bertentangan dengan keyakinan masyarakat. Mengacu pada Peraturan Pemerintah No 22 Tahun 2009 mengenai Percepatan Penganekaragaman Konsumsi Pangan (P2KP). Namun, hal ini tidak didukung dengan adanya pengembangan kelompok wanita tani. Metode yang digunakan dalam penelitian ini adalah deskriptif kuantitatif dengan menggunakan analisis SWOT (Strength, Weakness, Opportunity and Treath). Penentuan sampel dalam penelitian ini adalah dengan sampel purposive. Hasil penelitian menunjukan besaran pendapatan yang diperoleh dari adanya kelompok wanita tani dalam satu bulan adalah Rp.150.000/bulan/anggota. Strategi pengembangan yang tepat digunakan dalam pengembangan Kelompok Wanita Tani (KWT) Melati adalah Growth Oriented Strategy.

scholarly journals Urgency of Fiscal Policy to Overcome Welfare Gap in Indonesia

2019 ◽  
Vol 11 (1(J)) ◽  
pp. 90-109
Author(s):  
Abdul Aziz
Keyword(s):  
Fiscal Policy ◽  
Descriptive Analysis ◽  
Severity Index ◽  
Quantitative Descriptive Analysis ◽  
Average Value ◽  
State Expenditure ◽  
Indicator Data ◽  
The Government ◽  
Quantitative Descriptive ◽  
State Expenditures

Abstract: This study aims to describe the condition of the welfare gap between residents and regions in Indonesia on a number of welfare indicators namely poverty depth index, poverty severity index, Gini Coefficient Index (GCI), and the Human Development Index (HDI). This study also aims to analyze the importance of fiscal policy, especially in the form of state expenditure allocations to minimize the gap. This study uses a quantitative descriptive analysis method that is by calculating some of the indicator data needed through the approach of average value, termun, standard devasi, and others. The result is a description of the welfare gap between people / regions in Indonesia and an overview of government policies that have been carried out. Whereas one of the recommendations is that the government should allocate state expenditures that are more effective, efficient, quality and pay attention to priority scale so that it can solve the welfare gap problem above.

scholarly journals Integrasi Nilai Karakter dalam Praktik Pemesinan Frais Melalui Model Pembelajaran Competence Based Training

2018 ◽  
Vol 3 (1) ◽  
pp. 33-40
Author(s):  
Paryanto Paryanto ◽  
Bambang Setiyo Hari Purwoko ◽  
Edy Purnomo
Keyword(s):  
Academic Achievement ◽  
Experimental Design ◽  
Descriptive Analysis ◽  
T Test ◽  
Learning Activity ◽  
Control Group ◽  
Cluster Sampling ◽  
Quantitative Descriptive Analysis ◽  
Quasi Experimental ◽  
Quantitative Descriptive

The purpose of this study is to find out the differences in students’ activity and academic achievement on the implementation of character-based Competence Based Training (CBT) learning model. The research used two groups Quasi Experimental Design. Samples were taken by cluster sampling, in which one class of bachelor degree students was used as control group and one class of diploma degree students as experimental group. Data were collected using observation technique with instruments of attitude, behavior and products. Data were analyzed using quantitative descriptive analysis with t-test. Result shows that there are differences in students' learning activities and academic achievement on Milling Machining practice using character-based CBT, in which the learning activity and achievement of the experimental class are better than the control class.Tujuan penelitian ini adalah untuk mengetahui bagaimana perbedaan aktivitas dan prestasi belajar mahasiswa antara kelas yang menerapkan model pembelajaran CBT berbasis karakter dengan kelas yang tidak menerapkan. Desain penelitian yang digunakan adalah desain Quasi Experimental Design dua kelompok. Sampel penelitian diambil secara Cluster Sampling, yaitu untuk program S1 diambil 1 kelas sebagai kelas kontrol dan program D3 diambil 1 kelas sebagai kelas eksperimen. Pengumpulan data menggunakan teknik observasi dengan instrumen sikap, perilaku dan produk. Analisis data menggunakan teknik analisis deskriptif kuantitatif dengan t-test. Hasil penelitian menunjukan terdapat perbedaan aktivitas belajar mahasiswa dalam pembelajaran praktik Pemesinan Frais melalui penerapan model pembelajaran CBT berbasis karakter, dimana aktivitas belajar mahasiswa pada kelas eksperimen lebih baik dari kelas kontrol. Terdapat perbedaan prestasi belajar mahasiswa dalam pembelajaran praktik Pemesinan Frais melalui penerapan model pembelajaran CBT berbasis karakter, dimana prestasi belajar pada kelas eksperimen lebih baik dari kelas kontrol.

scholarly journals STRATEGI BAURAN PEMASARAN OCTOPUS DIVE PENIDA DALAM MENINGKATKAN KUNJUNGAN WISATAWAN

Jurnal IPTA ◽  
2020 ◽  
Vol 8 (2) ◽  
pp. 319
Author(s):  
Ni Wayan Ayu Sekarningsih ◽  
I Nyoman Sudiarta ◽  
I Putu Sudana
Keyword(s):  
Swot Analysis ◽  
Descriptive Analysis ◽  
Sample Selection ◽  
Market Price ◽  
Literature Study ◽  
Quantitative Descriptive Analysis ◽  
Analysis Technique ◽  
Quantitative Descriptive ◽  
A Site ◽  
Price Analysis

Octopus Dive Penida is one of the first local dive centers in Nusa Penida that provides international diving facilities (PADI, ADSI,SSI) with professional instructors. This study discusses the marketing strategy adopted by Octopus Dive. The sample of this research is tourists who have visited and used the services of diving / snorkeling in Octopus Dive Penida. The sample selection technique used purposive sampling with 168 respondents. The technique of collecting data is done in several ways, discussing, observing, interviewing, questionnaires, documentation, and literature study. The data analysis technique was done by quantitative descriptive analysis and SWOT analysis. Resulting in a marketing SWOT strategy from variable marketing mix 7 P that is, SO (Strengths – Opportunities) strategy  is doing Brand Positioning as a quality dive operator, doing good relations with the community and improving the quality of Human Resources. WO (Weakness -Opportunities) strategy is to expand business / office locations, educate tourists, re-conduct price analysis and participate in international and national events. ST (Strenghts -Threats) strategy is to innovate services / services for tourists, create dive tourism package programs that don't exist in other dive operators. WT (Weakness -Threats) strategy is to conduct a site analysis to complement offices and innovations in market price adjustments.

scholarly journals Marketing Strategy in Increasing Ballroom Sales at New Kuta Hotel

2020 ◽  
Vol 6 (2) ◽  
pp. 27
Author(s):  
Monika Aprilia Wulandari ◽  
Elvira Septevany ◽  
I Gusti Agung Mas Krisna Komala Sari ◽  
I Ketut Suarta
Keyword(s):  
Factor Analysis ◽  
Swot Analysis ◽  
Descriptive Analysis ◽  
Marketing Strategies ◽  
Matrix Analysis ◽  
Quantitative Descriptive Analysis ◽  
Marketing Department ◽  
Study Results ◽  
Qualitative Descriptive ◽  
Quantitative Descriptive

This research aims to increase ballroom sales at New Kuta Hotel, to find out marketing strategies that should be used by the sales & marketing departments to increase ballroom sales and to find out which strategies are most effective in marketing strategies by sales & marketing department. The analysis techniques used are qualitative descriptive analysis, quantitative descriptive analysis, Internal Factor Analysis Summary Matrix (IFAS), External Factor Analysis Summary Matrix (EFAS), Internal–External Matrix (IE), SWOT Analysis and Quantitative Strategic Planning Matrix (QSPM). Based on the results of IFAS matrix analysis, the main strength is the ballroom sales can help increase hotel revenue, while the main weakness is the incentives imposed by the sales & marketing departments are less appropriate. Based on the EFAS matrix analysis, it was discovered that the main opportunity was the ability of sales & marketing to bring in customers while the main threat faced was the budget considered by the customer. The IE Matrix study results put the company in the Growth Strategic (Cell II) position. SWOT analysis produced eight alternative strategies of marketing strategies from the eight strategies and obtained three marketing strategies that were prioritized and calculated through QSPM Matrix with a total TAS of 181.29.

scholarly journals How to Attract Millennials? Indonesian Sharia Banking Opportunities

2021 ◽  
Vol 18 ◽  
pp. 376-385
Author(s):  
Muammar Bakry ◽  
Rahman Ambo Masse ◽  
Lukman Arake ◽  
Muhammad Majdy Amiruddin ◽  
Abdul Syatar
Keyword(s):  
Marketing Strategy ◽  
Banking Sector ◽  
Descriptive Analysis ◽  
Field Research ◽  
Islamic Banking ◽  
Target Market ◽  
Islamic Banks ◽  
Business People ◽  
Banking Market ◽  
The Times

Age is often one of the factors determining the target market of a business. By knowing the potential customer's age, we determine what kind of marketing strategy should be proposed. Along with the times, many business people are eyeing millennials because of their consumptive lifestyle. It is not surprising that millenials have now dominated consumer databases. The facts have not skipped the attention of the sharia banking sector in Indonesia. This study aims to construct the opportunity for Bank Syariah Indonesia to grasp millennials as a market share. This study uses field research with qualitative methods, carried out by descriptive analysis. The data sourced from interviews and questionnaires. Islamic banks' opportunities to attract millennials include familiarity with Islamic banking products and contracts, momentum of Hijrah, digitizing Islamic banking, and unique segmentation. These opportunities can be taken into consideration in expanding the Islamic banking market in Indonesia.

scholarly journals Analisis Usaha Penangkaran Benih Padi (Kasus di Subak Kusamba, Desa Karangdadi, Kecamatan Dawan, Kabupaten Klungkung)

2017 ◽  
Author(s):  
NYOMAN RESI ARNINGSIH ◽  
I GEDE SETIAWAN ADI PUTRA ◽  
I PUTU DHARMA
Keyword(s):  
Raw Materials ◽  
Descriptive Analysis ◽  
Total Sample ◽  
Rice Paddy ◽  
Rice Seed ◽  
Quantitative Descriptive Analysis ◽  
Self Sufficiency ◽  
The Government ◽  
Quantitative Descriptive ◽  
High Quality Seed

Rice Seed Multification Business Analysis (A Case at Subak of Kusamba,Village of Karangdadi, Sub-District of Dawan, Regency of Klungkung)One of supporting the success of productivity is high quality seed. Efforts to increase rice production have been done by the government. One of the government's efforts is to create programs for the achievement of food self-sufficiency of rice through the Special Effort (UPSUS), and to increase the production of rice, corn and soybeans (Pajale). The purpose of this study was to find out how much the level of income received by farmers as producers of raw materials and UD Tunas Mekar as the seed breeder of rice paddy. This research was conducted at Subak of Kusamba, Karangdadi Village, Dawan Sub-District, Klungkung Regency. The total sample was as many as 30 farmers of respondents. The analytical methods used were quantitative descriptive analysis, ratio data analysis, analysis of farming, and the R / C ratio. The results showed that the income received by farmers as producers of raw materials of rice seeds was Rp 4. 279 266 with an average land area of 3,400 square meters in one cycle of planting and the R / C Ratio obtained was 2.58. Operating revenues of paddy seed multification at UD. Tunas Mekar was Rp. 113,531,016 in one production process with the R / C ratio of 1.50. The suggestion that can be given that the government is expected to provide subsidized seed that can be affordable by the farmers. The cooperation between UD. Tunas Mekar and the farmers should continue to provide assistance to farmers so that they are excited about doing their farming.

scholarly journals The Influence of Inflation, Exchange Rates, Car And NPF to Stability of Islamic Banks in Indonesia Period 2015-2019

2020 ◽  
Vol 9 (1) ◽  
pp. 29
Author(s):  
Gumilang Budi Laksa pratama ◽  
Kusnendi Kusnendi ◽  
Suci Aprilliani Utami
Keyword(s):  
Banking Sector ◽  
Negative Relationship ◽  
Capital Adequacy ◽  
Internal Variables ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Vector Error Correction ◽  
Banking Stability ◽  
The Government ◽  
The Stability

This study aims to see the extent of the influence of the level of Inflation (CPI), Exchange Rate (kurs), Capital Adequacy Ratio (CAR) and Non Performing Financing (NPF) on the Stability of Islamic Banks in Indonesia Period 2015-2019. To support research, we use the Vector Error Correction Model (VECM) methodology. VECM test results show that in the short term the significant effect on the level of stability are Kurs and CAR, with the direction of a negative relationship (reducing the level of stability). Meanwhile, in the long term the significant effect on the level of stability are inflation and Kurs with the direction of a negative relationship (reducing the level of stability). From the results of this study it can be concluded that the macroeconomic variables significantly affect the stability of Islamic banking, therefore the government has an important role in controlling macroeconomic turmoil to maintain Islamic banking stability. Besides that, the internal variables of the banking sector are considered to have no significant effect partially, therefore it is necessary to conduct further research with a variety of internal factors in the banking industry to prove their effects on the stability of Islamic banking

scholarly journals Analisis Faktor-Faktor yang Memengaruhi Risiko Likuiditas pada Bank Umum Syariah di Indonesia

2020 ◽  
Vol 1 (1) ◽  
pp. 71-84
Author(s):  
Regita Nur Fitriani ◽  
Dimas Sumitra Danisworo
Keyword(s):  
Descriptive Analysis ◽  
Random Effect ◽  
Random Effect Model ◽  
Liquidity Risk ◽  
Capital Adequacy ◽  
Third Party ◽  
Islamic Banks ◽  
Quantitative Descriptive Analysis ◽  
Factors Affecting ◽  
Quantitative Descriptive

This research was conducted to analyze what factors affecting the liquidity risk in Islamic Banks in Indonesia. In this study, the measurement of liquidity risk will be seen from other factors that can affects liquidity risk including Cash Ratio (CsR), Size of Bank (SOB), Third Party Funds (DPK), Capital Adequacy Ratio (CAR), Net Working Capital (NWC), and Investment (INV). The research method used in this research is a quantitative descriptive analysis uses the Eviews 9 program. The object of this analysis is twelve Islamic Banks in Indonesia which have been operating from 2014-2018. The analysis technique used is multiple regression analysis with Random Effect Model (REM) regression model. The results of this study indicate that CsR, SOB, and NWC have a significant effect on liquidity risk. While DPK, CAR, and INV have an insignificant effect on liquidity risk.

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