scholarly journals Pengaruh CAR, NPF, FDR, dan OER, Terhadap ROA Pada Bank Pembiayaan Rakyat Syariah di Indonesia Periode Januari 2009 Hingga Mei 2014

2015 ◽  
Vol 2 (12) ◽  
pp. 970 ◽  
Author(s):  
Linda Widyaningrum ◽  
Dina Fitrisia Septiarini

Islamic Rural Bank is intermediary institution that collect and distribute the fund in financing. BPRS management hope that every operational activities always shows good performance in order to obtain optimal benefit. One of the way to measure performance is calculating financial ratios. The purpose of this research to know the effect of CAR, NPF, FDR, and OER on ROA in industry of Islamic Rural Bank period January 2009 until May 2014 in partial and simultaneous. This research method used quantitative approach. Sample of this research was based on monthly period, so there were 65 months/samples. Sampling technique used purposive sampling. All data taken from Sharia Islamic Statistic. Analyze technique used multiple regression.The results of this research showed that in simultaneous, CAR, NPF, FDR, and OER had significant effect on ROA. In partial, CAR, NPF, and FDR had not significant effect on ROA, beside OER had significant effect on ROA.

2021 ◽  
Vol 5 (1) ◽  
pp. 132-140
Author(s):  
Deny Ismanto ◽  
Dyah Ernawati

Failure to make a continuous profit will hamper the company's development and this can lead to bankruptcy. Bankruptcy is usually marked by financial distress. Companies that are not able to overcome financial difficulties and problems are getting protracted, then the company will go bankrupt. One way to predict bankruptcy is by using discriminant analysis. This type of research is descriptive with a quantitative approach. The data collection method used is documentation. The population in this study were Textile & Garment companies listed on the IDX in 2016-2018. The sampling technique was purposive sampling and obtained a sample of 8 companies with a potential bankruptcy and 10 companies for 3 years of observation. The results showed that of the 2 financial ratios used Quick Ratio (QR) and Return On Asset (ROA), only the Quick Ratio (QR) ratio proved significant to be able to distinguish bankrupt and non-bankrupt companies. By using discriminant analysis. The dominant variable informing the discriminant function is the Quick Ratio (QR).


2021 ◽  
Vol 5 (2) ◽  
pp. 95-109
Author(s):  
Rekno Sawiji Lestari ◽  
Saiful Anwar

The purpose of this study was to show the effect of mudharabah, musyarakah, and profit-sharing ratios on profitability with non-performing financing as moderating variables in Islamic commercial banks. This research method was designed using a quantitative approach. The sample used in this study was nine banks with a sampling technique using purposive sampling. The analytical method used is multiple linear regression. The results showed that mudharabah financing had a positive and significant effect on profitability, musyarakah financing and profit-sharing ratio did not affect profitability. Non-performing financing can moderate the effect of mudharabah financing and profit-sharing ratio but cannot moderate the effect of musyarakah financing on profitability. This research practically develops financing that can increase profitability and reduce non-performing financing to reduce losses for Islamic Commercial Banks.


2020 ◽  
Vol 4 (2) ◽  
pp. 136-146
Author(s):  
Hidayati Aini ◽  
Afdal Afdal

Divorce is a long-standing problem and still often has an impact on family members. Divorce often begins with various conflicts resulting from a lack of psychological readiness in the face of marriage. Therefore, researchers conducted research related to the analysis of the psychological readiness of couples in the face of marriage. The research method uses a quantitative approach to descriptive methods. The subject of this study was a couple who were getting married and were conducting screening at the religious affairs office of Padang City. The study subjects were taken using a purposive sampling technique of 150 people consisting of 75 men and 75 women. The research instrument was developed from the Theory of Fowers & Olson (1989) using a poll of likert scale models. The study findings showed the picture of psychological readiness in the face of marriage in men was at a high category of 45.33% and women were in the high category by 48%. The results of this study are input for counselors one of them through prenuptial counseling in an effort to improve the psychological readiness of couples in the face of marriage.


2021 ◽  
Vol 11 (1) ◽  
pp. 93-107
Author(s):  
Amirah Shinta Permatasari ◽  
Swandhika Rahmadhan ◽  
Wildan Julian Firdausy ◽  
Heppy Lilaelsa Meidianti

The era of the COVID-19 pandemic has changed the way people live, from offline to online. This study discusses the effect of thrift shop marketing communications on the level of fashion consumption during the pandemic. The purpose of this study is to determine the level of consumption of a person in shopping, especially Thrift Shop goods. The research method used is a quantitative approach with simple random sampling technique. The results showed that from the analysis of data calculations carried out 53.2% of respondents made the last purchase, then 32.4% had bought from the previous 2 months and 14.4% had bought 1 month earlier, so Ho was accepted while Ha was rejected. It can be concluded that the phenomenon of Thrift Shop products does not affect the consumption pattern of people's fashion products because most of the purchasing trends for Thrift products during the last three months are still passive in purchasing Thrift products on various E-Commerce platforms and social media.


2020 ◽  
Vol 3 (1) ◽  
pp. 45-55
Author(s):  
Larassanti Eka Putri ◽  
K. Bagus Wardianto ◽  
Ghia Subagia

ABSTRAK Penelitian ini bertujuan untuk mengetahui pengaruh kesadaran logo halal dan iklan media sosial Instagram terhadap keputusan pembelian produk kosmetik.  Jenis penelitian yang digunakan adalah explanatory research dengan pendekatan kuantitatif. Populasi dalam penelitian ini adalah konsumen wanita yang menggunakan kosmetik Wardah di Bandar Lampung, dengan sampel sebanyak 100 responden. Teknik pengambilan sampel menggunakan purposive sampling. Data dikumpulkan menggunakan kuisioner, dan dianalisis menggunakan analisis regresi linier berganda. Hasil penelitian ini menunjukkan bahwa kesadaran logo halal, dan iklan media sosial Instagram berpengaruh signifikan secara parsial maupun silmultan terhadap keputusan pembelian kosmetik. Kehalalan dapat menjadi branding yang semakin kuat, jika didukung dengan promosi melalui media sosial, yang mampu menjangkau segmentasi pasar yang lebih luas terhadap produk lokal.   ABSTRACT This study aims to determine the effect of Awareness of the Halal Logo and Instagram Social Media Ads on Wardah Cosmetics Purchasing Decisions. This type of research used in this research is explanatory research with a quantitative approach. The population in this study is female consumers who use Wardah cosmetics in Bandar Lampung. The sampling technique uses purposive sampling with a sample of 100 respondents. The data was obtained from a questionnaire using a Likert scale. The results of this study explain that Awareness of the Halal Logo, and Instagram Social Media Ads significantly influence Wardah Cosmetics Purchasing Decisions. Simultaneous testing results showed that Halal Logo Awareness and Instagram Social Media Ads had a significant effect on Wardah Cosmetics Purchasing Decisions.


2018 ◽  
Vol 1 (2) ◽  
pp. 166
Author(s):  
Sutriswanto Sutriswanto ◽  
Sugito Sugito

Abstract: Staphylococcus is a cause of infection. Infection can be transmitted from a source by an indirect through fomite. Paper money can act as transmission of infectious agents, money acts as a fomite. Smaller denominations of value have higher contamination. This study aims to analyze differences in contamination bacterial Staphylococcus sp on denomination of paper money Rp.2.000, 5.000, Rp.10,000 and Rp.20.000 that currently shop on Adi Sucipto street town Pontianak. The research method used in this research is in the form of difference and the sample in this research is denomination of paper money curently with sampling technique using cluster sampling. Checkup of Staphylococcus spon denomination of paper money using rinse method. On these result of study, denomination of paper money Rp.2.000 that is contaminated staphylococcus sp is 80%, denomination of paper money Rp.5.000 that is contaminated staphylococcus sp is 70%, denomination of paper money Rp.10.000 and Rp.20.000 that is contaminated staphylococcus sp is 80%. The data from result of study has been obtained were analyzed statistically by using fisher exact test, the result of p (0,477) >α (0,05) which mean as H1 is rejected. So it can be concluded there is no difference of contamination bacteria staphylococcus sp on denominations of paper money rupiah.Abstrak: Staphylococcus merupakan penyebab terjadinya infeksi. Infeksi dapat ditularkan dari suatu sumber dengan mekanisme tidak langsung melalui fomite. Uang kertas dapat bertindak sebagai transmisi agens infeksius ,uang berperan sebagai fomite. Pecahan uang yang lebih kecil nilainya memiliki kontaminasi yang lebih tinggi. Penelitian ini bertujuan untuk menganalisis perbedaan cemaran bakteri Staphylococcus sp pada pecahan uang kertas Rp.2.000, 5.000, Rp.10.000 dan Rp.20.000 yang beredar di warung jalan Adi Sucipto kota Pontianak. Metode penelitian yang digunakan dalam penelitian berbentuk komperatif dan sampel pada penelitian ini adalah pecahan uang kertas rupiah dengan.teknik pengambilan sampel menggunakan purposive sampling. Pemeriksaan Staphylococcus sp pada pecahan uang kertas rupiah menggunakan metode rinse. Pada hasil penelitian pecahan uang kertas Rp.2.000 yang tercemar staphylococcus sp adalah 80%, pecahan uang kertas Rp.5.000 yang tercemar staphylococcus spadalah 70%, pecahan uang kertas Rp.10.000 dan Rp.20.000 yang tercemar staphylococcus spadalah 50%. Berdasarkan data dari hasil penelitian yang telah didapat dianalisis menggunakan uji statistik fisher exact, didapatkan hasil p (0,477) >α (0,05) yang diartikan sebagai H1 ditolak. Sehingga dapat disimpulkan tidak ada perbedaan cemaran bakteri staphylococcus sp pada pecahan uang kertas rupiah.


2019 ◽  
Vol 4 (2) ◽  
pp. 215-224 ◽  
Author(s):  
Hendra Hendra ◽  
Thomas Stefanus Kaihatu

This study aims to determine the effect of store (mall) environment and money availability on consumer impulse buying in the City of Tomorrow (Cito) Surabaya. This study uses a quantitative approach whose data is obtained from the results of questionnaires. The sample in this study were 389 respondents taken based on purposive sampling technique which was included in non-probability sampling techniques. The results of this study indicate that the store (mall) environment has no effect on impulse buying. Meanwhile, money availability has a positive and significant effect on consumer impulse buying in the City of Tomorrow (Cito) Surabaya.


2021 ◽  
Vol 5 (1) ◽  
Author(s):  
Jati Prastyo ◽  
Bambang Mursito ◽  
Istiqomah Istiqomah

The purpose of this study is to examine purchasing decisions through online applications (e-commerce) on an online motorcycle taxi-based delivery service. This study uses a quantitative approach, namely by collecting data from respondents using a questionnaire. The number of samples is 100 people, calculated using the Slovin formula for buyers for three months. The sampling technique uses purposive sampling on consumers who have bought Sapa Kopi products through the Grabfood application. In testing multiple regression analysis using SPSS version 21, the calculated F value of 64.530 (p> 3.09) and a significance value of 0.000 (p 1.98) with a significance value of 0.000 (p 1.98) with a significance value of 0.000 (p 1.98) with a significance value of 0.017 (p


2020 ◽  
Vol 12 (2) ◽  
pp. 112-121
Author(s):  
Heylen Amildha Yanuarita ◽  
Djoko Susanto

This research was conducted to analyze how modernization affects the implementation of public service administration policies, especially in Kediri, East Java. As is well known, from time to time various aspects of life are required to undergo changes to a more modern direction. The research method used is descriptive qualitative method. Descriptive qualitative research is aimed at obtaining an overview of how modernization affects public service administration policies in Kediri. To obtain the necessary data, the authors used a purposive sampling technique so that the sample taken was more focused, assisted by a review of several related previous studies. The results showed that modernization, especially in the field of technology, was sufficient to influence public service administration policies in Kediri.


NALARs ◽  
2017 ◽  
Vol 16 (2) ◽  
pp. 125
Author(s):  
Dita Ayu Rani Natalia ◽  
M Sani Roychansyah

ABSTRAKBangunan merupakan benda yang bergerak dinamis dan akan mengalami perubahan dalam kurun waktu tertentu. Perubahan bangunan yang dilakukan untuk dapat digunakan secara maksimal disebut dengan adaptasi bangunan. Adaptasi bangunan adalah “pekerjaan pada bangunan untuk pemeliharaan dalam mengubah kapasitas, fungsi dan performance dengan kata lain melakukan intervensi untuk menyesuaikan, menggunakan ulang dan meningkatkan kemampuan bangunan”. Cara yang dapat digunakan oleh penghuni atau pemilik ketika bangunan sudah tidak lagi bekerja secara optimal adalah dengan membiarkan, melakukan perubahan atau menghancurkannya. Hal tersebut dilakukan dengan beberapa strategi yang digunakan dalam adaptasi bangunan. Tujuan penelitian yaitu mengidentifikasi strategi adaptasi bangunan yang digunakan dan terjadi di Perumnas Condongcatur. Metode penelitian yang digunakan dalam penelitian ini adalah deduktif kualitatif dengan teknik pengambilan sampel menggunakan purposive sampling yang bertujuan untuk mengumpulkan data secara spesifik. Pengumpulan data dilakukan dengan melakukan observasi yang terdiri dari pengamatan, kuisioner, interview dan dokumentasi. Data yang telah terkumpul kemudian di analisa berdasarkan perubahan fisik bangunan yang kemudian di diskusikan dengan teori dalam diskusi temuan.Hasil penelitian yang telah dilakukan bahwa terdapat enam strategi adaptasi bangunan di Perumnas Condongcatur. Strategi tersebut antara lain perubahan perabotan (adjustable), perubahan tatanan ruang (versatile), perubahan performance (refitable), perubahan fungsi (convertible), perubahan ukuran (scalable) dan perubahan tatanan layout perabotan. Kata kunci: Strategi, Adaptasi Bangunan, Perumnas ABSTRACTBuilding is a dynamic object and keeps changing in particular period of time. Any change in order to take maximum advantage of the building is called building adaptation. Building adaptation is “any work to a building over and above maintenance to change its capacity, function, or performance’ in other words, ‘any intervention to adjust, reuse, or upgrade a building.” When a building does not function as it is supposed to be, the owner can abandon, change, or destroy it. These are carried out by employing several strategies of building adaptation. This research is aimed to identify strategy of building adaptation used and occurred in Perumnas Condong Catur. Deductive qualitative research method was employed in this research with the samples were taken applying purposive sampling technique which was aimed to specify the collecting of the data. Data collecting was conducted by observation including observation, questionnaires, interview, and documentation. The collected data were analyzed according physical changes of the houses and the analysis were then discussed in the research finding using the theory. The results of the research show that there are six strategies in the building adaptation of Perumnas Condongcatur. They are change of the furniture (adjustable), change of the layout (versatile), change of the performance (refitable), change of the function (convertible), change of the size (scalable), and change of the furniture layout. Keywords: Strategy, Building Adaptation, Perumnas


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