scholarly journals PENERAPAN ANALISIS REGRESI BERGANDA DALAM PEMODELAN TINGKAT KELANCARAN PENGEMBALIAN PEMBIAYAAN

2021 ◽  
Vol 1 (1) ◽  
pp. 66-82
Author(s):  
Yunita Eka Saputri ◽  
Rendra Erdkhadifa
Keyword(s):  
Sampling Technique ◽  
Education Level ◽  
Rate Of Return ◽  
Measurement Scale ◽  
Primary Data ◽  
Operating Income ◽  
Microfinance Institution ◽  
Period Variable ◽  
Business Income ◽  
High Level

Abstrak: Penelitian ini didasarkan pada tingginya tingkat pengembalian pembiayaan pada BMT Pahlawan Tulungagung dan KSPPS Baitul Izza Sejahtera Tulungagung. Tingkat pengembalian pinjaman yang teratur akan mempengaruhi kesehatan lembaga keuangan mikro syariah. Analisis faktor-faktor yang mempengaruhi tingkat kelancaran pengembalian pembiayaan dapat dilihat dari indikator yang digunakan: tingkat pendidikan, pendapatan perusahaan, jumlah pembiayaan, taksiran agunan dan jangka waktu pinjaman. Penelitian ini menggunakan pendekatan kuantitatif. Sementara jenis penelitiannya adalah hubungan pengaruh antar variabel atau disebut dengan asosiatif dan data yang digunakan dalam penelitian ini adalah data primer yang diperoleh dari penyebaran kuesioner dengan menggunakan teknik incidental sampling. Data variabel yang digunakan dalam analisis terukur  dengan skala Likert. Hasil pengujian menunjukkan (1) Antara variabel tingkat pendidikan, pendapatan perusahaan, jumlah pembiayaan, taksiran agunan dan jangka waktu pinjama terdapat salah satu variabel yang berpengaruh secara signifikan. (2) kelancaran pengembalian pembiayaan dipengaruhi oleh tingkat pendidikan secara signifikan (3) variabel pendapatan operasional tidak berpengaruh signifikan terhadap kelancaran pengembalian pembiayaan. (4) variabel jumlah pinjaman berpengaruh signifikan (5) kelancaran pengembalian pembiayaan tidak dipengaruhi secara signifikan pada variabel taksiran agunan. (6) dan variabel periode pendanaan berpengaruh signifikan terhadap kelancaran pengembalian pembiayaan. Kata Kunci: jangka waktu pembiayaan; jumlah pembiayaan; kelancaran pengembalian pembiayaan; pendapatan usaha; taksiran agunan; tingkat pendidikan.   Abstract: The background of this research is that the high level of smooth return of financing, in KSPPS Baitul Izza Sejahtera Tulungagung and BMT Pahlawan Tulungagung.  The smooth rate of return on financing will affect the health of a sharia microfinance institution.  Analysis of the factors that affect the smooth rate of return on financing can be seen from the indicators used include Education Level, Business Income, Total Financing, Collateral Estimate, and Financing Term. This study uses a quantitative approach with the type of associative research.  The data used in this study are primary data obtained from distributing questionnaires using incidental sampling technique and the measurement scale used is the Likert scale, so the test results show (1) simultaneously among the variables of education level, business income, amount of financing, estimated collateral and financing period have a significant effect on the smooth return of financing.  (2) the education level variable has a significant effect on the smooth return of financing.  (3) the operating income variable has no significant effect on the smooth return of financing at KSPPS Baitul Izza Sejahtera Tulungagung and has a significant effect on BMT Pahlawan Tulungagung.  (4) the variable amount of financing has a significant effect on the smooth return of financing.  (5) the estimated collateral variable has no significant effect on the smooth return of financing.  (6) the financing period variable has a significant effect on the smooth return of financing at KSPPS Baitul Izza Sejahtera Tulungagung and BMT Pahlawan Tulungagung. Keywords: The amount of financing; business income collateral estimate; education level; financing period; smooth repayment of financing.

scholarly journals ANALISIS LITERASI KEUANGAN DAN FAKTOR-FAKTOR YANG MEMPENGARUHINYA

2018 ◽  
Vol 8 (2) ◽  
Author(s):  
Suryanto Suryanto ◽  
Mas Rasmini
Keyword(s):  
Financial Literacy ◽  
Formal Education ◽  
Small And Medium Enterprises ◽  
Sampling Technique ◽  
Education Level ◽  
Primary Data ◽  
Analysis Technique ◽  
Business Income ◽  
Medium Enterprises ◽  
The City

This study aims to analyze financial literacy and find out the factors that influence the financial literacy ofmicro, small and medium enterprises (MSMEs) in the city of Bandung. This study uses a quantitativeapproach to the type of verification research. Primary data is obtained through the distribution ofquestionnaires to MSMEs players in the city of Bandung. The sampling technique uses proportional randomsampling with a sample size of 30 respondents. Other data is obtained through library observation andstudy. The analysis technique used is multiple linear regression. The results showed that the financialliteracy of SMEs in the city of Bandung was in the medium category. There are several factors thatsimultaneously influence financial literacy, namely age, formal education level, and business income. Whilepartially only the formal education level and business income that influences the level of financial literacy.While age does not have an effect on the level of financial literacy.

scholarly journals Compliance Determinant Of Paying Zakat Maal

2020 ◽  
Vol 5 (2) ◽  
pp. 213
Author(s):  
Tamimah Tamimah
Keyword(s):  
Local Government ◽  
Sampling Technique ◽  
Population Level ◽  
Public Understanding ◽  
Primary Data ◽  
Purposive Sampling ◽  
High Level ◽  
The Impact ◽  
Method Approach

Purpose: Madura is an island located in East Java which has a community with a high level of religiosity. Sumenep is one of the districts in Madura which has the largest population level among other districts in Madura. However, this is not in line with public compliance in paying zakat maal. Therefore, this study aims to find out whether religiosity, literacy, income, and tax obligation have an effect on community compliance to pay zakat maal.Design/Method/Approach: The data obtained in this study uses primary data obtained from people who pay taxes, using purposive sampling technique by determining people who have reached nisab, and for the analysis, it uses multiple regression.Findings: it shows that only religiosity and tax payment obligations which have an influence, while literacy and income do not have an effect on compliance to pay zakat maal. The implication of this research is as an evaluation for the local government to socialize the important role of the impact of zakat maal on the community, and to increase public understanding of the obligation to pay zakat maal.Originality/Novelty: Lots ofresearchesexamine the obligation to pay zakat fitrah but it is very rare to find research on zakat maal which is an obligation that must also be paid by someone who has assets that have reached Nisab (the minimum amount that a Muslim must have before being obliged to zakat).

scholarly journals ANALISIS PENDAPATAN USAHA TERNAK BABI DI KECAMATAN TOMBULU KABUPATEN MINAHASA

ZOOTEC ◽  
2020 ◽  
Vol 40 (2) ◽  
pp. 471
Author(s):  
Yudi P Sinulingga ◽  
N M Santa ◽  
L S Kalangi ◽  
M A.V Manese
Keyword(s):  
Sampling Method ◽  
Business Models ◽  
Secondary Data ◽  
Sampling Technique ◽  
Social Costs ◽  
Primary Data ◽  
Business Income ◽  
Feed Costs ◽  
Quota Sampling

ANALYSIS OF PIG LIVESTOCK BUSINESS INCOME IN TOMBULU DISTRICT MINAHASA REGENCY. The study was conducted in the Tombulu District of Minahasa Regency for one month from January 2020 to February 2020.The data used in this study were primary data and secondary data. The puposive sampling method was applied to determine the sample location in Tombulu District with the number of breeders in Tombulu District were 30 breeders. Therefore, the determination of the sample applied Total Quota Sampling technique. Pigs livestock business models run by breeders were breeding, fattening, combination, and swine pigs. The result showed models that the dominant pig livestock business in Tombulu District was a combination of breeding and fattening. The income earned from the pig livestock business is Rp.39,207,785 / period or Rp3,920,778 / month. The amount of production, feed costs, and social costs are factors that were very influential on the business income of pig livestock.

scholarly journals Economic Analysis of Locust Beans Processing and Marketing in Ilorin, Kwara State, Nigeria

2013 ◽  
Vol 2 (2) ◽  
pp. 36-43
Author(s):  
CO Farayola ◽  
V Okpodu ◽  
OO Oni
Keyword(s):  
Regression Analysis ◽  
Economic Analysis ◽  
Average Rate ◽  
Sampling Technique ◽  
Rate Of Return ◽  
Primary Data ◽  
Statistical Tool ◽  
Analysis Technique ◽  
Locust Bean ◽  
Breakeven Point

This study was designed to estimate the economic analysis of locust bean processing and marketing in Ilorin, Kwara State, Nigeria. Primary data was used and purposive sampling technique was adopted to select the respondents used for the study. A total number of 60 respondents were interviewed. The data collected were analyzed using inferential statistical tool such as regression analysis. Budgetary analysis technique was also used to analyze the profitability of locust bean processing and marketing in the study area. Majority of the processors and marketers are making profits; 68.3% operate above breakeven point while 26.7% operate at breakeven point and the rest 5% was below the breakeven point, this indicates that they neither profit nor lost. The regression analysis result shows that quantity processed, family size and years of experience in processing are significant at 1%, 5% and 10% respectively while education level and stall rent is negative and significant at 1% and 5% respectively. F- Test also explained that independent variables are jointly significant at 1% probability level with an adjusted R2 of 78.9%. The overall rate of return on investment indicates that average rate of return is 0.5 (50%), which is positive. It is therefore concluded that profit made by the processors and marketers can be improved on by increasing the quantity of locust bean being processed through adoption of newly discovered method of processing and improved method of preservation, packaging and marketing of the product to international standard by reducing the odour of the product without the loss of essential nutrients and palability in order to generate foreign exchange. Also, rules and regulations against cutting of economic trees for alternative uses should be enforced to maximize their values. DOI: http://dx.doi.org/10.3329/ijarit.v2i2.14012 Int. J. Agril. Res. Innov. & Tech. 2 (2): 36-43, December, 2012

scholarly journals Role of external environmental factors in the failure of small enterprises in Angola

2016 ◽  
Vol 7 (2) ◽  
pp. 86-96
Author(s):  
Mateus Vicente Justino ◽  
Robertson K. Tengeh
Keyword(s):  
Environmental Factors ◽  
Sampling Technique ◽  
Raw Material ◽  
Primary Data ◽  
Small Enterprises ◽  
Business Climate ◽  
Distribution Of Wealth ◽  
Economic Support ◽  
High Level

The high failure rate of new small enterprises in Angola calls to attention the fact that they are not equipped enough to meet the challenges of sustainable economic growth, equitable distribution of wealth and job creation. The worrying impact on the Angolan landscape, as a consequence, has had economists scrambling for solutions in recent years. Moving from on the assumption that the current business climate has been a contributing factor, this paper attempts to examine the role of external environmental factors in the context of Angola. Adopting a quantitative approach, the questionnaire was utilized as the primary data collection tool with snowballing as the sampling technique. The Statistical Package for the Social Sciences (SPSS) software delivered a result to the quantitative data that indicate a severe lack of economic support and availability of fundamental business resources such as raw material, skilled people and finance, and rigid policy-making regulations. The doomed-to-fail death knell to the Angolan small business comes in the form of a high level of corruption and theft in the country

scholarly journals DETERMINAN PENDAPATAN USAHA PADA BANK UMUM SYARIAH DI INDONESIA

2021 ◽  
Vol 8 (2) ◽  
pp. 159
Author(s):  
Siti Nur Ro'ikayah ◽  
Nisful Laila
Keyword(s):  
Linear Regression ◽  
Commercial Banks ◽  
Sampling Technique ◽  
Financial Statements ◽  
Third Party ◽  
Financial Reports ◽  
Operating Income ◽  
Purposive Sampling ◽  
Regression Methods ◽  
Business Income

ABSTRAKPenelitian yang dilakukan pada Bank Umum Syariah di Indonesia tahun 2015-2019 dilakukan dengan tujuan agar dapat melihat pengaruh jumlah pembiayaan, ukuran, dan Dana Pihak Ketiga (DPK) yang  mempunyai pengaruh atas pendapatan usaha yang dimilikinya. Laporan keuangan Bank Umum Syariah (BUS) digunakan sebagai data yang nantinya untuk diteliti. Peneliti menganalisis data melalui metode regresi linier berganda. Peneliti menggunakan sampel laporan keuangan serta sesuai dengan kriteria sampel yang dimiliki oleh 11 Bank Umum Syariah. Teknik yang dipakai dalam memperoleh sampel yakni yang sesuai dengan ketentuan atau purposive sampling. Dari penelitian ini, dihasilkan bahwa secara parsial jumlah pembiayaan memberikan hasil/pengaruh yang signifikan, ukuran bank memberikan hasil/pengaruh yang signifikan, dan dana pihak ketiga tidak berdampak signifikan atas pendapatan usaha Bank Umum Syariah. Sedangkan secara simultan jumlah pembiayaan, ukuran bank, dan dana pihak ketiga mempunyai dampak yang signifikan atas pendapatan usaha BUS di Indonesia.Kata Kunci: Jumlah Pembiayaan, Ukuran Bank, Dana Pihak Ketiga, Pendapatan Usaha. ABSTRACTResearch conducted at Islamic Commercial Banks in Indonesia in 2015-2019 was conducted with the aim of knowing the effect of the amount of financing, size, and Third Party Funds (TPF) which have an influence on the business income they have. The financial reports of Islamic Commercial Banks (BUS) are used as data which will be examined later. Researchers analyzed data using multiple linear regression methods. Researchers used a sample of financial statements and in accordance with the sample criteria owned by 11 Islamic Commercial Banks. The sampling technique used was purposive sampling technique. From this research, it is concluded that partially the amount of financing provides a significant result / effect, the size of the bank gives a significant result / effect, and third party funds do not have a significant impact on the operating income of Islamic Commercial Banks. Meanwhile, simultaneously the amount of financing, bank size, and third party funds have a significant impact on the operating income of Islamic Commercial Banks in Indonesia.Keywords: Total Financing, Bank Size, Third Party Funds, Operating Income.

scholarly journals Factors Swaying Inspiration of Employees Performance in the Insurance Companies of Bangladesh: A Comparative Analysis Between Demographic Forces and Components of Organizational Commitment

2021 ◽  
Vol 9 (3) ◽  
pp. 293-301
Author(s):  
Serena Aktar
Keyword(s):  
Organizational Commitment ◽  
Survey Design ◽  
Demographic Factors ◽  
Sampling Technique ◽  
Insurance Companies ◽  
Primary Data ◽  
Continuance Commitment ◽  
Strong Positive Relationship ◽  
High Level ◽  
The Relationship

The purpose of this study is to identify and examine the most inspirational factor of employees’ performance in the perception of employees in the insurance companies of Bangladesh. This empirical study has been conducted through an explanatory survey design. A survey with a structured questionnaire has been conducted for collecting primary data. A convenient random sampling technique was used to collect primary data for examining the relationship between the dependent and independent variables. It means the relationship between the three components of organizational commitment and inspiration of employees’ performance; demographic factors and inspiration of employees’ performance in the insurance companies of Bangladesh. A total number of 400 structured questionnaires were distributed and received back with properly filled 378 questionnaires that were statistically used for analysis. The statistical software SPSS (IBM 26) has been used for input and processing raw data into hypothetical final results. Descriptive statistics, binary correlation, multiple regression analysis, and lastly One-Way-ANOVA have been used step by step to test the hypothetical research results. The results of this study indicated that a strong positive relationship exists between the educational ability & experience of respondents from demographic factors and inspiration of employees’ performance; continuance commitment of the respondents from components of organizational commitment and inspiration of employees’ performance in insurance companies of Bangladesh. It is suggested in this research that the organization should pay attention to continuance committed employees having a high level of education and experience.

scholarly journals RECEPTIVE SKILLS AMONG B.Ed. TRAINEES

2017 ◽  
Vol 5 (3(SE)) ◽  
pp. 13-17
Author(s):  
N. Archana ◽  
K. Somasundaram
Keyword(s):  
Human Activity ◽  
Random Sampling ◽  
Sampling Technique ◽  
Simple Random Sampling ◽  
Primary Data ◽  
Survey Method ◽  
Low Level ◽  
Coimbatore District ◽  
Significant Difference ◽  
High Level

Language and life are inter-related. The scope of language is widened with the widening scope of human activity. Today there is no activity, which does not find its expression in terms of language. Listening and reading are passive or receptive skills and speaking and writing are active or productive skills. The paper is an attempt to find to identify the receptive skills in English among B.Ed trainees. The investigator adopted the survey method to study receptive skills of B.Ed trainees. The study is based on primary data which is collected from 300 BEd trainees in and around Coimbatore district using simple random sampling technique. The findings reveal that totally 25% of the selected B.Ed. trainees belong to low level of receptive skill, 46.6% of the selected BEd trainees belong to moderate level of receptive skill, 26.6% of the selected BEd trainees belong to high level of receptive skill. Also it is found that there is no significant difference in receptive among the selected B.Ed trainees based on gender and locality.

scholarly journals PENGARUH PENGETAHUAN PERPAJAKAN, SANKSI PAJAK, KESADARAN PERPAJAKAN DAN TINGKAT PENDIDIKAN TERHADAP MOTIVASI WAJIB PAJAK ORANG PRIBADI DALAM PEMENUHAN KEWAJIBAN PAJAK

2021 ◽  
Vol 17 (1) ◽  
pp. 85-96
Author(s):  
Rangga Rian Wira Ari Kusuma ◽  
Hadli Achmad ◽  
Masamah Masamah
Keyword(s):  
Quantitative Research ◽  
Sampling Method ◽  
Sampling Technique ◽  
Education Level ◽  
Primary Data ◽  
Probability Sampling ◽  
Minimum Sample ◽  
The Individual

This study aims to determine the effect of tax knowledge, tax sanctions, tax awareness and education level on the motivation of individual taxpayers in fulfilling tax obligations. This study uses quantitative research using primary data obtained from questionnaires. The population in this study is the individual taxpayer registered at the Palembang Ilir Timur Tax Office Pratama. In this study the sampling using the Non Probability Sampling method and sampling technique using the Slovin method, with a population of 156,145 people and a minimum sample of 100 respondents can be taken.

scholarly journals Women's Participation in Politics and Development in West Java Province, Indonesia

2018 ◽  
Author(s):  
Paisal Halim
Keyword(s):  
Urban Areas ◽  
Secondary Data ◽  
Sampling Technique ◽  
Lower Class ◽  
Primary Data ◽  
Women's Participation ◽  
Final Questionnaire ◽  
Common Interests ◽  
The Government ◽  
High Level

The phenomenon of lower political participation of lower-class women in urban areas, is getting worse when the variouspolicies adopted by the government do not side with the urban women's groups for the lower classes. The research method used in thisresearch is a descriptive qualitative approach. This sampling technique used in studies that prioritize the purpose of research than onthe nature of the population in determining the sample research. Therefore, in this study, no random samples were used, but thesamples purposive samples. Primary data includes data obtained directly from respondents or informants through in-depth interviewswith a final questionnaire of 40 respondents consisting of various professions, while secondary data is data obtained from documentsthat have been authorized or have published. Women's participation in urban village development strongly influenced by differentfactors, ranging from socio-economic, cultural, to lifestyle issues. Groups identified as mothers or socialite women living in luxuryhousing tend to be less concerned with the common interests of people, while women or mothers who live in ordinary or village housealthough they have a high level of concern for development issues run by sub-district was facing various problems when running therole of participation. As a result, qualitatively the role becomes less than optimal.

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