scholarly journals FAKTOR-FAKTOR YANG MEMPENGARUHI NIAT MENABUNG DI BANK SYARIAH

2018 ◽  
Vol 15 (1) ◽  
pp. 20-26
Author(s):  
Mia Muktiana Banowati ◽  
Maimun Sholeh
Keyword(s):  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Positive Influence ◽  
Cultural Factors ◽  
Economic Education ◽  
Islamic Banks ◽  
State University ◽  
Education Students ◽  
Study Program ◽  
Analysis Techniques

Penelitian ini bertujuan mengetahui pengaruh pemahaman prinsip tabungan syariah, tingkat religiusitas, faktor sosial budaya, persepsi tentang Bank Syariah baik secara parsial maupun simultan terhadap niat menabung di Bank Syariah pada Mahasiswa Pendidikan Ekonomi Angkatan Tahun 2014 Universitas Negeri Yogyakarta. Jumlah anggota populasi yaitu sebanyak 69 Mahasiswa S1 Program Studi Pendidikan Ekonomi Angkatan Tahun 2014. Dengan teknik analisis regresi linear berganda, menunjukkan bahwa terdapat (1) pengaruh positif pemahaman prinsip tabungan syariah terhadap niat menabung di Bank Syariah; (2) pengaruh positif tingkat religiusitas terhadap niat menabung di Bank Syariah; (3) pengaruh positif faktor sosial budaya terhadap niat menabung di Bank Syariah; (4) pengaruh positif persepsi tentang Bank Syariah terhadap niat menabung di Bank Syariah; dan (5) terdapat pengaruh pemahaman prinsip tabungan syariah, tingkat religiusitas, faktor sosial budaya, persepsi tentang Bank Syariah secara simultan terhadap niat menabung di Bank Syariah pada Mahasiswa Pendidikan Ekonomi Angkatan Tahun 2014. This study aims to determine the effect of understanding the principles of sharia savings, the level of religiosity, socio-cultural factors, perceptions of Islamic banks both partially and simultaneously towards the intention to save at a Sharia Bank for the 2014 Yogyakarta State University Economic Education Students. The number of members of the population is as much as 69 S1 students of the 2014 Economic Education Study Program. With multiple linear regression analysis techniques, it shows that there are (1) positive influences on understanding the principle of sharia savings towards the intention to save in Islamic banks; (2) a positive influence on the level of religiosity on the intention to save in Islamic banks; (3) the positive influence of socio-cultural factors on the intention to save in Islamic banks; (4) the positive influence of perceptions of Islamic banks on the intention to save in Islamic banks; and (5) there is an effect of understanding the principles of sharia savings, the level of religiosity, socio-cultural factors, perceptions of Islamic banks simultaneously towards the intention to save in a Sharia Bank for 2014 Economic Education Students.

scholarly journals Pengaruh gaya hidup, kecerdasan emosional dan literasi keuangan terhadap rasionalitas konsumsi mahasiswa pendidikan ekonomi angkatan 2018 Universitas Negeri Malang

2021 ◽  
Vol 1 (7) ◽  
pp. 697-686
Author(s):  
Aida Miftachul Jannah ◽  
Lisa Rokhmani
Keyword(s):  
Emotional Intelligence ◽  
Financial Literacy ◽  
Random Sampling ◽  
Linear Regression Analysis ◽  
Economic Education ◽  
Economics Education ◽  
State University ◽  
Significant Positive Effect ◽  
Education Students ◽  
Positive Effect

Abstract In this modern era, the world is enjoying the phenomenon of increasingly rapid technological development, this phenomenon is called the industrial revolution 4.0. Humans will be required to become more rational individuals in carrying out consumption activities and also to fulfill various desires that arise in them. This study aims to determine the partial and simultaneous influence on lifestyle, emotional intelligence, and financial literacy on consumption rationality in 2018 Economics Education students, State University of Malang. This research uses a quantitative approach with quantitative descriptive research. The population of this research is all students of economic education class 2018 State University of Malang. The technique used in sampling is proportional random sampling. To determine the sample size is calculated using the Slovin formula. This study used a sample of 99 students spread over 6 classes from a population of 131 students. The instruments in this study were questionnaires and multiple-choice tests. The data analysis method in this study uses multiple linear regression analysis with the help of the SPSS version 25 program. The results of the analysis in this study show that: (1) Lifestyle has a significant effect on consumption rationality. (2) Emotional Intelligence has a significant positive effect on consumption rationality. (3) Financial Literacy has a significant positive effect on the rationality of student consumption. (4) Lifestyle, emotional intelligence, and financial literacy affect the consumption rationality of 2018 Economics Education students Abstrak Pada era modern ini dunia sedang menikmati fenomena perkembangan teknologi yang semakin pesat, fenomena ini disebut dengan revolusi industri 4.0. Manusia akan dituntut untuk lebih menjadi individu yang rasional dalam melakukan kegiatan konsumsi dan juga untuk memenuhi berbagai keinginan yang muncul dalam dirinya. Penelitian ini bertujuan untuk mengetahui pengaruh secara parsial dan simultan pada gaya hidup, kecerdasan emosional dan literasi keuangan terhadap rasionalitas konsumsi pada mahasiswa Pendidikan Ekonomi angkatan 2018 Universitas Negeri Malang. Penelitian ini menggunakan pendekatan kuantitatif dengan jenis penelitian deskriptif kuantitatif. Populasi penelitian ini adalah seluruh mahasiswa pendidikan ekonomi angkatan 2018 Universitas Negeri Malang. Teknik yang digunakan dalam pengambilan sampel adalah proportional random sampling. Untuk menentukan besarnya sampel dihitung dengan menggunakan rumus slovin. Penelitian ini menggunakan sampel sebesar 99 mahasiswa yang tersebar di 6 kelas dari populasi yang berjumlah 131 mahasiswa. Instrumen dalam penelitian ini adalah angket dan tes pilihan ganda. Metode analisis data dalam penelitian ini menggunakan analisis regresi linear berganda dengan bantuan program SPSS versi 25. Hasil analisis dalam penelitian menunjukkan bahwa: (1) Gaya Hidup berpengaruh signifikan terhadap rasionalitas konsumsi. (2) Kecerdasan Emosional berpengaruh positif signifikan terhadap rasionalitas konsumsi. (3) Literasi Keuangan berpengaruh positif signifikan terhadap rasionalitas konsumsi mahasiswa. (4) Gaya hidup, kecerdasan emosional dan literasi keuangan berpengaruh terhadap rasionalitas konsumsi mahasiswa Pendidikan Ekonomi angkatan 2018.

scholarly journals The Effect of Financing on Credit Risk: Empirically on Indonesian Islamic Banking

2021 ◽  
Vol 5 (1) ◽  
pp. 503
Author(s):  
Fitri Zaelina ◽  
Dwi Nastiti
Keyword(s):  
Time Series Data ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Series Data ◽  
Islamic Banking ◽  
Islamic Banks ◽  
The Public ◽  
Analysis Techniques ◽  
Independent Variables ◽  
Financing Risk

Islamic banking has an important role in the economy, especially in moving the real sector. Islamic banking provides funding to the public in the form of financing. The financing provided cannot be separated from various risks that can threaten the health of the bank, one of which is financing risk. For that, the purpose of this study is to analyze the effect of financing on financing risk in Islamic banks for the period 2015 to 2020. The method used in this study is quantitative with multiple linear regression analysis techniques. This study uses time-series data and the variables in this study are mudharabah, musyarakah, murabahah, ijarah financing, and total assets as independent variables and NPF as a dependent variable. The results of the study concluded that total assets had a negative and significant effect on NPF and murabahah financing had a positive and significant effect on NPF. Meanwhile, mudharabah, musyarakah, and ijarah financing has no significant effect on NPF.

scholarly journals Determinan Faktor Internal Dana Pihak Ketiga dan Faktor Eksternal (Inflasi, Pendapatan Perkapita, dan Imbalan SWBI) Terhadap Jumlah Dana Talangan Haji Pada Bank Syariah (BNI Syariah, BRI Syariah, Bank Muamalat, Bank Syariah Mandiri) Periode 2009-2014

2017 ◽  
Vol 4 (3) ◽  
pp. 235
Author(s):  
Fachmi Setyawan ◽  
Suherman Rosyidi
Keyword(s):  
Regression Analysis ◽  
Inflation Rate ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Positive Influence ◽  
Third Party ◽  
Islamic Banks ◽  
Internal Factors ◽  
Macroeconomic Factors ◽  
Negative Effect

This study aimed to analyze the influence of internal factors of Islamic banks are third party funds and macroeconomic factors, namely inflation, percapita income and rewards Wadiah Certificate of Bank Indonesia to the amount of their bailout Hajj by Sharia banks in Indonesia during the period January 2009 to December 2014. The approach using multiple linear regression analysis. In this study, most of the hypothesis is not proven. Only variables percapita income and rewards SWBI that meet the research hypothesis. Research shows that third party funds and variable inflation rate indication hit double colinearity problems, so as to avoid bias regression results of these two variables were excluded from the regression model. Percapita income and rewards SWBIs have a significant effect partially to the amount of their bailout Hajj. Effect relationship shown is the reward SWBI have a negative effect, while percapita income has a positive influence on the amount of their bailout Hajj.

scholarly journals PENGARUH PERSEPSI PROFESI GURU DAN EFIKASI DIRI TERHADAP MINAT MENJADI GURU

2021 ◽  
Vol 4 (2) ◽  
pp. 187
Author(s):  
Saniyatus Sholichah ◽  
Triesninda Pahlevi
Keyword(s):  
Regression Analysis ◽  
Linear Regression ◽  
Self Efficacy ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
State University ◽  
Analysis Method ◽  
Education Department ◽  
Study Program ◽  
Education Study

Abstract: This study aims to find the influence of perception of the teacher profession and self-efficacy on the interest of becoming a teacher in students of the Office Administration Education Study Program of the Faculty of Economics, State University of Surabaya Class of 2017. The type in this study is explanatory research with quantitative approach. The data is collected through research instruments using questionnaires. The analysis method is multiple linear regression analysis with SPSS 25 application. The results of the study were: (1) The perception of the teacher profession positively and significantly influenced the interest in becoming a teacher in students of education department of office administration unesa 2017. (2) Self-efficacy does not have a significant influence on the interest in becoming a teacher in students of unesa office administration education program 2017. (3) The perception of the teacher's profession and self-efficacy positively and significantly affect the interest of teachers in students of education department of office administration of UNESA 2017. Keywords: Perception of The Teacher's Profession; Self Efficacy; Interest Becoming a Teacher. Abstrak: Penelitian ini memiliki tujuan untuk mendapati pengaruh persepsi profesi guru dan efikasi diri terhadap minat menjadi guru pada mahasiswa Program Studi Pendidikan Administrasi Perkantoran Fakultas Ekonomi Universitas Negeri Surabaya Angkatan 2017. Jenis pada penelitian ini yaitu penelitian eksplanatori dengan pendekatan kuantitatif. Data dikumpulkan melalui instrument penelitian dengan menggunakan angket. Metode analisis yaitu analisis regresi linear berganda dengan aplikasi SPSS 25. Hasil penelitian yaitu: (1) Persepsi profesi guru berpengaruh secara positif dan signifikan terhadap minat menjadi guru pada mahasiswa prodi pendidikan administrasi perkantoran UNESA 2017. (2) Efikasi diri tidak memberikan pengaruh yang signifikan terhadap minat menjadi guru pada mahasiswa prodi pendidikan adminitrasi perkantoran UNESA 2017. (3) Persepsi profesi guru dan efikasi diri berpengaruh secara positif dan signifikan terhadap minat mnejadi guru pada mahasiswa prodi pendidikan administrasi perkantoran UNESA 2017. Kata kunci:Persepsi Profesi Guru; Efikasi Diri; Minat Menjadi Guru.

scholarly journals Persepsi Masyarakat Non Muslim Terhadap Minat Menjadi Nasabah Bank Syariah

2019 ◽  
Vol 2 (1) ◽  
pp. 93
Author(s):  
Nur Rifai ◽  
Taufiq Wijaya
Keyword(s):  
Regression Analysis ◽  
Quantitative Methods ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Positive Influence ◽  
Statistical Test ◽  
Sampling Techniques ◽  
Islamic Banks ◽  
Affective Perception ◽  
Muslim Communities

This study aims to determine whether the perception variables of cognitive, affective perception and perception connative affect the interest become customers of Islamic banks in Surakarta. This study uses quantitative methods. Sampling techniques in this study using the formula Slovin, that obtained the total 100 respondents from a population of 122,130 inhabitants non-Muslim communities who are in Surakarta. Analysis of the data in this study using Multiple Linear Regression Analysis. From this study it can be concluded based on the statistical test that perception variables of cognitive, affective perception and perception connative together (simultaneously-Test F) has a positive influence on interest in becoming customers of Islamic banks. Based on t test, cognitive perception variable (X1), the perception of affective (X2) and the perception connative (X3) have a positive influence with a significant level of each of the variable interest become customers of Islamic banks (Y). From the regression equation, that variable cognitive perception, the perception of affective and conative perceptions affect the interest become customers of Islamic banks, this means that Ho is rejected and Ha accepted. The most dominant variable is a variable perception conative.

PENGARUH KEPRIBADIAN, PENGETAHUAN KEWIRAUSAHAAN, KREATIVITAS DAN LINGKUNGAN KELUARGA TERHADAP MINAT BERWIRAUSAHA

2019 ◽  
Vol 4 (2) ◽  
Author(s):  
Marselina Murniati ◽  
Sulistyo Sulistyo ◽  
Udik Yudiono
Keyword(s):  
Family Environment ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Economic Education ◽  
Economics Education ◽  
Education Students ◽  
Business Economics ◽  
Ex Post ◽  
Ex Post Facto ◽  
Calculation Results

The purpose of this study was to determine the Effect of Personality, Entrepreneurship Knowledge, Creativity and Family Environment on Mint Entrepreneurship Student Economics Education Universitas Kanjuruhan Malang. This type of research uses ex post facto, using multiple linear regression analysis. The study was conducted at Universitas Kanjuruhan Malang Faculty of Economics and Business Economics Education Students. The population in this study were students of economic education in 2016 and 2017 totaling 65 students with sampling techniques using saturated sample techniques. Data collection uses questionnaires and documentation. Based on the calculation results it is known that: (1) there is an influence between Personality, Entrepreneurship Knowledge, Creativity and Family Environment on Entrepreneurial Interest in Economic Education Students in Universitas Kanjuruhan Malang (2) there is an influence between Personality on Entrepreneurial Interest in Economic Education Students in Universitas Kanjuruhan Malang. (3) there is an influence between Entrepreneurship Knowledge on Entrepreneurial Interest in Economic Education Students in Universitas Kanjuruhan Malang. (4) there is an influence between Creativity on Entrepreneurial Interest in Economic Education Students in Universitas Kanjuruhan Malang. (5) there is an influence between the Family Environment on Student Entrepreneurial Interest in Economic Education, Universitas Kanjuruhan Malang.

scholarly journals Apakah Sukuk Ritel Merupakan Ancaman Bagi penghimpunan Dana Pihak Ketiga Pada Bank Syariah?

2020 ◽  
Vol 25 (2) ◽  
pp. 182
Author(s):  
Muhammad Syakur
Keyword(s):  
Linear Regression Analysis ◽  
Secondary Data ◽  
Multiple Linear Regression Analysis ◽  
Least Square ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Ordinary Least Square ◽  
Analysis Techniques ◽  
Independent Variables ◽  
Islamic Bank

This research is a quantitative study that aims to consider the effect of retail sukuk on the collection of third parties funds (TPF) in Indonesian Islamic Banks for 2015 - 2019. The data used are secondary data retrieved from Islamic Banking Statistics Report for shariah commercial and unit shariah bank quarterly. The method is multiple linear regression analysis techniques with Ordinary Least Square (OLS) approach, using TPF as the dependent variable while Retail Sukuk, ROA, Promotion Cost, Inflation and Bi rate as the independent variables. The results shows Retail Sukuk has a negative and significant impact on the collection of TPF which is intended that retail sukuk is causing the decrease of TPF amount in Indonesian Islamic bank. Therefore the Indonesian government needs to review the policies related to retail sukuk issuance in order to synergize with the development of Islamic Banks. Other results indicate that ROA and promotion costs have positive and significant influance for TPF collection in Indonesian Islamic bank while BI rate is the opposite.

scholarly journals Pengaruh Kecerdasan Intelektual, Kecerdasan Spiritual dan Kecerdasan Emosional terhadap Persepsi Etis Mahasiswa Akuntansi

2019 ◽  
Vol 28 (2) ◽  
pp. 1116
Author(s):  
Chandra Wijaya ◽  
Maria Mediatrix Ratna Sari
Keyword(s):  
Emotional Intelligence ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Positive Influence ◽  
Spiritual Intelligence ◽  
Accounting Students ◽  
Ethical Perceptions ◽  
Study Program ◽  
Questionnaire Method ◽  
Research Analysis

This study aims to examine the effect of intellectual intelligence, spiritual intelligence and emotional intelligence on the ethical perceptions of accounting students. The object of research is active students of the 7th semester accounting study program at the Faculty of Economics and Business, Udayana University. The sample in this study amounted to 80 people. Data collection using the questionnaire method. The analytical method used in this study is multiple linear regression analysis. Based on the results of the research analysis, it can be said that Intellectual Intelligence has a positive influence on the Ethical Perceptions of Accounting Students, Spiritual Intelligence has a positive influence on Ethical Perceptions of Accounting Students, and Emotional Intelligence has a positive influence on Ethical Perceptions of Accounting Students. Keywords : Intellectual intelligence, spiritual intelligence, emotional intelligence, students, ethical perception.

PENGARUH TINGKAT RELIGIUSITAS, PENGETAHUAN, KUALITAS PRODUK DAN KUALITAS PELAYANAN TERHADAP PREFERENSI MENABUNG MAHASISWA UNIVERSITAS MUHAMMADIYAH PALEMBANG PADA BANK SYARIAH

2019 ◽  
Vol 4 (1) ◽  
pp. 485
Author(s):  
Fadhilatul Hasanah
Keyword(s):  
Regression Analysis ◽  
Service Quality ◽  
Product Quality ◽  
Financial Institution ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Islamic Banks ◽  
Analysis Techniques ◽  
Study Population ◽  
Quantitative Descriptive

Islamic Bank is a financial institution that functions as a fund collector and distributed it to the community, so that the activity of raising funds (saving) was the most important thing for banks and customers. Students who were a potential segmentation for saving activities (raising funds) had a variety of savings preferences. The purpose of this study was to analyze the influence of students partially and simultaneously on the level of religiosity, knowledge, product quality and service quality to saving preferences of University Muhammadiyah Palembang's students in Islamic Banks. The method of  this study was quantitative descriptive with multiple linear regression analysis techniques. The study population was University Muhammadiyah Palembang's students with 99 respondents. The results of this study showed partially the value of t count>t table (9.602>1.985) and the value of sig t <0.05 (0.000<0.05) so that the level of religiosity influenced the saving preferences of University Muhammadiyah Palembang's students in Islamic banks that were the form of religious obedience because students used Islamic banks were related to the issue of faith and confidence in the prohibition of usury for Muslims but partially there is no influence of knowledge, product quality and service quality to saving the preferences of University Muhammadiyah Palembang's  students in Islamic Banks, while simultaneously showed the value of Fcount>Ftable (24,471>2,470) and sig F value <0.05 (0,000<0,05) so that the level of religiosity, knowledge, product quality and service quality to saving the preferences of University Muhammadiyah Palembang's students in Islamic Banks.

scholarly journals Pengaruh Mentoring Dosen Pembimbing Akademik terhadap Prestasi Akademik Mahasiswa STKIP Pembangunan Indonesia

2020 ◽  
Vol 3 (2) ◽  
pp. 215
Author(s):  
Harti Oktarina ◽  
Sitti Hajar Aswad
Keyword(s):  
Academic Achievement ◽  
Linear Regression Analysis ◽  
Economic Education ◽  
Questionnaire Data ◽  
Simple Linear Regression ◽  
Study Program ◽  
Analysis Techniques ◽  
Academic Achievements ◽  
Education Study ◽  
Program Data

This study aims to: (1) find out how the implementation of academic guidance for students of the 2016 STKIP Pembangunan Indonesia Economic Education study program, (2) find out how the academic achievements of the STKIP 2016 Indonesian Economic Education Study Program, (3) find out how the influence of academic guidance to the improvement of academic achievement of students of the 2016 STKIP Pembangunan Indonesia economic education study program. in this study were 17 students of the 2016 economic education study program. Data collection techniques using a questionnaire. Data analysis techniques using simple linear regression analysis with the help of the SPSS program. The results showed that the Mentoring of academic supervisors in the 2016 class of economic education study program was included in the qualification sufficiently in its effect on improving academic achievement. Student academic achievements in the 2016 economic education study program included in the medium qualification. This can be seen in the average results of student learning achievement is 3.66 located at intervals of 3.51 - 4.00 and including Cum Laude qualification level. There is an influence between the mentoring lecturers of academic advisers on the academic achievements of students of the 2016 Economic Education Study Program STKIP Pembangunan Indonesia. This is indicated by the value of sig. 0.007 <0.05 then Ha is accepted and Ho is rejected

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