scholarly journals FACTORS AFFECTING MSME’s INTEREST TO APPLY FOR BUSINESS FINANCING IN ISLAMIC FINANCIAL INSTITUTIONS

2018 ◽  
Vol 1 (2) ◽  
pp. 121-128
Author(s):  
Mayda Miftakhur Rohmah ◽  
Nugraheni Rintasari
Keyword(s):  
Financial Institutions ◽  
Quantitative Research ◽  
Sampling Technique ◽  
T Test ◽  
Primary Data ◽  
F Test ◽  
Factors Affecting ◽  
Islamic Financial Institutions ◽  
Independent Variable ◽  
Business Financing

This  study  aims to  determine the  effect of  services, procedure,  reputation,  and promotion  on  the MSMEs’ interest to  apply  for  business financing  provided  by  Islamic  financial  institutions.  It is  a quantitative  research. The  data were primary  data obtained  from  questionnaires  that were distributed directly to the  respondents. As  many  as 58  MSME  actors in  the Manding  Leather Craft  Center, Bantul,  Indonesia,  were involved  as the respondents.  The  sampling  technique  was purposive sampling  as a type  of  the non  probability  sampling  method.  Data  analysis  methods included  multiple  linear  regression,  classical assumption  test,  and  hypothesis  testing  (t-test  and F-test). Data  processing  required the assistance of  SPSS  17.0.   The  results of  the t-test  show  that each independent  variable  partially  affects the MSMEs’  interest to  apply  for  Islamic  financing. Furthermore, the results of the F-test indicate that the variables of services, procedure, reputation, and promotion simultaneously affect the MSMEs’interest  to apply for business financing provided by  Islamic  financial  institutions.

scholarly journals THE EFFECT OF AWARENESS, MORALITY, TAX CULTURE, AND DISTRIBUTIVE JUSTICE ON THE TAXPAYER COMPLIANCE

ACCRUALS ◽  
2021 ◽  
Vol 5 (01) ◽  
pp. 112-129
Author(s):  
Ina Nurlela ◽  
Asep Kurniawan ◽  
Indah Umiyati
Keyword(s):  
Distributive Justice ◽  
Linear Regression Analysis ◽  
Sampling Technique ◽  
Multiple Linear Regression Analysis ◽  
T Test ◽  
Test Method ◽  
Primary Data ◽  
F Test ◽  
Small And Medium Enterprise ◽  
Medium Enterprise

This study aims to determine the effect of awareness, morality, tax culture and distributive justice on the taxpayer compliance partially and simultaneously. The data used in this study are primary data by distributing questionnaires. The method used in sampling is a non probability sampling method with incidental sampling technique and the number of samples in this study amounted to 107 respondents consisting of perpetrator Small and Medium Enterprise (SMEs). The data is processed using the classical assumption test method, multiple linear regression analysis, t test, and F test. The results showed that partially (t test), the variable understanding of morality and tax culture had a positive effect on the taxpayer compliance of Small and Medium Enterprise (SMEs). While the variable awareness and distributive justice did not affect the taxpayer compliance of Small and Medium Enterprise (SMEs). Simultaneous results (F test) show that awareness, morality, tax culture and distributive justice on the taxpayer compliance.

scholarly journals ANALYSIS OF FACTORS AFFECTING THE IMPLEMENTATION OF FINANCIAL ACCOUNTING STANDARDS FOR MICRO, SMALL AND MEDIUM ENTITIES (SAK-EMKM) ON SHARIA-BASED MSMEs IN KUDUS REGENCY

2021 ◽  
Vol 6 (2) ◽  
pp. 79
Author(s):  
ZULIYATI ZULIYATI ◽  
ZULIYATI ZULIYATI ◽  
INDRIANINGRUM INDRIANINGRUM
Keyword(s):  
Quantitative Research ◽  
Small And Medium Enterprises ◽  
Linear Regression Analysis ◽  
Accounting Standards ◽  
Sampling Technique ◽  
Multiple Linear Regression Analysis ◽  
Financial Accounting ◽  
Primary Data ◽  
Factors Affecting ◽  
Medium Enterprises

The purpose of this study is to analyze the effect of owner perceptions, education, socialization, business scale and business age on the application of the Accounting Standards for Micro, Small and Medium Enterprises (SAK EMKM) on sharia-based MSMEs in Kudus Regency. This study uses a quantitative research design, with the data used are primary data obtained from respondents through questionnaires, with the method of analysis using multiple linear regression analysis. A sample of 100 used purposive sampling technique with the criteria of Sharia-based MSMEs in Kudus Regency. The results showed that the variable owner perception, business scale, and business age had no effect on the application of SAK EMKM. Education and socialization have a positive effect on the implementation of SAK EMKM. The limitations of this study are that the independent variable is only able to influence the implementation of SAK EMKM by 28% and the object is only limited to sharia based MSMEs in Kudus Regency, so it cannot be generalized.

Pengaruh Faktor Budaya dan Psikologis Terhadap Keputusan Nasabah Dalam Memilih Bank Syariah Mandiri KCP Tajur

2021 ◽  
Vol 2 (1) ◽  
pp. 89-110
Author(s):  
Siti Rahmawati ◽  
Rio Kartika Supriyatna ◽  
Dedi Junaedi ◽  
Muhammad Rizal Arsyad
Keyword(s):  
Financial Institutions ◽  
Psychological Factors ◽  
T Test ◽  
Test Method ◽  
Market Potential ◽  
Primary Data ◽  
Islamic Banks ◽  
Analysis Model ◽  
F Test ◽  
Islamic Economic

      Islamic banks are financial institutions that have a wide market potential in Indonesia as one of the applications of the Islamic Islamic economic system in realizing Islamic values ​​and teachings that regulate the economic sector of the Ummah. The number of new financial institutions that have emerged as a Sharia Bank as a business entity is demanded to be able to compete with other financial institutions to survive and increase their profitability. One of the supporting factors for the development of Islamic banking is the public's interest in choosing financial institutions. This research was conducted with the aim of analyzing the influence of cultural and psychological factors partially and simultaneously on customer decisions in choosing Islamic banks at Bank Syariah Mandiri KCP Tajur. The data in this study are primary data obtained from distributing questionnaires to 100 customers of Bank Syariah Mandiri KCP Tajur. The analysis model used to test the hypothesis is simple linear regression with the t test method and the f test using the Statistical Package for the Social Sciences (SPSS) program. The results of the t test of this study indicate that cultural factors have no effect on customer decisions in choosing Bank Syariah Mandiri Tajur, while psychological factors affect customer decisions in choosing Bank Syariah Mandiri Tajur. The results of the F test of this study indicate that cultural and psychological factors have a significant effect on customer decisions in choosing Bank Syariah Mandiri Tajur.  

scholarly journals Faktor-Faktor Yang Mempengaruhi Minat Mahasiswa Untuk Berinvestasi Di Pasar Modal (Studi Empiris Pada Mahasiswa Akuntansi Di Universitas Swasta Di Kota Bengkulu)

2020 ◽  
Vol 3 (2) ◽  
Author(s):  
Heldi Sahputra ◽  
Ahmad Junaidi ◽  
Meido Ade Putra
Keyword(s):  
Linear Regression ◽  
Multiple Linear Regression ◽  
Capital Market ◽  
Quantitative Research ◽  
Hypothesis Test ◽  
Sampling Technique ◽  
T Test ◽  
F Test ◽  
Capital Return ◽  
The Capital Market

ABSTRACT The background in this research is the lack of interest of students to invest in the capital market. The number of students who invest in the Investment Gallery has not reached 10% of the total number of students at the Private University in Bengkulu City. The problem in this research is to discuss whether the variables of knowledge, motivation, minimal capital, return, risk and benefits affect the interest of students in investing in the capital market. The purpose of this study is to determine whether the variables have effect on knowledge, motivation, minimal capital, return, risk, and benefits of students' interest in investing in the capital market. The research was a type of quantitative research, using the sample of 265 students. The sampling technique was done by using the sample size table developed by Isaac and Michael. The data collection techniques used was a questionnaire. The data was analyzed using classical assumptions, t- test, f-test, and multiple linear regression. Based on the results of multiple linear regression obtained by the regression equation Y = 0.682 + 0.178 X1 + 0.083 X2 + 0.133 X3 + 0.271 X4 + 0.078 X5 + 0.134 X6 + e. The results of the hypothesis test simultaneously showed the variables of knowledge, motivation, minimal capital, return, risk and benefits have a positive and significant effect (sig α = 0,000) on the interest of students investing in the capital market. Partially, knowledge variables (sig α = 0, 001), motivation (sig α = 0, 049), minimal capital (sig α = 0.003), return (sig α = 0, 000), risk (sig α = 0, 005), and the benefits (sig α = 0, 001) have a positive and significant effect on the interests of students investing in the capital market. From the results of the t- test carried out, it can be concluded that the variable of knowledge, motivation, minimal capital, return, risk and benefits partially affect the interest of students to invest in the capital market. F-test results show variable knowledge, motivation, minimal capital, return, risk and benefits simultaneously affect the interest of students to invest in the capital market.Keywords: Knowledge, Motivation, Minimal Capital, Return, Risk, Benefits, Investment Interest.

scholarly journals ANALYSIS OF SHARIA INNOVATION STRATEGIC AND EFFICIENCY TOWARD SUSTAINABLE ABILITY SHARIAH MANDIRI BANKS IN LAMPUNG

2020 ◽  
Vol 6 (1) ◽  
pp. 20
Author(s):  
Andri Andri ◽  
Tulus Suryanto ◽  
Ruslan Abdul Ghofur ◽  
Erike Anggraeni
Keyword(s):  
Research Methods ◽  
Financial Institutions ◽  
Quantitative Research ◽  
External Environment ◽  
Development Model ◽  
Primary Data ◽  
Quantitative Research Methods ◽  
Complex Development ◽  
Islamic Financial Institutions ◽  
Financial Technology

This study aims to reveal the influence of factors that influence the ability of 'sustainable banks' in facing threats from the internal and external environment, especially financial technology. The novelty of this article lies in the discovery of research results that provide a complex development model in the strategy of Islamic financial institutions in maintaining sustainable capability. Quantitative research methods with Islamic economics approach are chosen to answer the research hypotheses. The 30 sample respondents consisting of Branch Managers and Senior Employees from branch offices and sub-branch offices of the Bank Syariah Mandiri (BSM) Lampung Province are potential primary data used. The results revealed that there was a positive and significant effect of 80.6% between sharia innovation and efficiency on the sustainability of Bank Syariah Mandiri in Lampung Province. While the remaining 18.4% is influenced by other variables not examined in the study. In creating new innovations and efficiencies, BSM Lampung Province must always be in the corridors of Islamic principles as rahmatan lil alamin.

scholarly journals THE ANALYSIS OF THE EFFECT OF THE ATM (AUTOMATED TELLER MACHINE) SERVICE DIMENSIONS ON CUSTOMERS SATISFACTION AT PT BANK PEMBANGUNAN DAERAH JAWA TENGAH BRANCH OFFICE OF KUDUS

KEUNIS ◽  
2020 ◽  
Vol 8 (1) ◽  
pp. 35
Author(s):  
Dhiah Fitriyani ◽  
Aris Sunindyo ◽  
Moh. Muslikh
Keyword(s):  
Data Analysis ◽  
Customer Satisfaction ◽  
Linear Regression Analysis ◽  
Sampling Technique ◽  
T Test ◽  
Primary Data ◽  
Coefficient Of Determination ◽  
Analysis Model ◽  
F Test ◽  
Branch Office

<p><em>This research aims to identify factors - factors the quality of service that consists of tangible, reliability, responsiveness, assurance, empathy to customer satisfaction PT. Bank Pembangunan Daerah Jawa Tengah Branch Office of Kudus. </em></p><p><em>The population of this research is all of the customers at PT. Bank Pembangunan Daerah Jawa Tengah Branch Office of Kudus. The sampling technique uses the Accidental Sampling Method amounting to 100 customers. The data used in this research is the primary data obtained through the distribution of questionnaires. The data analysis model uses the Multiple Linear Regression Analysis Model. Meanwhile, data analysis techniques use the Statistical F Test, Coefficient of Determination (R2), and statistical t-Test.</em></p><em>The results of t test are obtained the effect of variable responsiveness, assurance and empathy that significantly influence customer satisfaction of PT Bank Pembangunan Daerah Jawa Tengah Kudus Branch Office. Meanwhile reliability and tangible have no significant effect. In F test, it is found that the dimension of ATM Service quality tangible, reliability, responsiveness, assurance, and empathy simultaneously have significant effect on the satisfaction of customers</em> of <em>the Central Java Regional Development Bank of the Branch Office</em>

scholarly journals Pengaruh Inventory Turnover, Sales Growth, dan Liquidity Terhadap Profitabilitas pada PT. Sumber Alfaria Trijaya Tanjung Morawa Periode 2013-2017

Owner ◽  
2019 ◽  
Vol 3 (1) ◽  
pp. 128
Author(s):  
Keumala Hayati ◽  
Renita Ferawati Lumban Gaol ◽  
Intan Permata Sari Sianturi ◽  
Yosua Michael Sagala
Keyword(s):  
Sampling Technique ◽  
T Test ◽  
Sales Growth ◽  
Multiple Linear Regressions ◽  
F Test ◽  
Total Study Population ◽  
Inventory Turnover ◽  
Study Population ◽  
Independent Variable ◽  
Linear Regressions

This research aims to exsplain the effect Inventory Turnover, Sales Growth, and Liquidity on Profitability. This study was conducted at PT. Sumber Alfaria Trijaya Tanjung Morawa in periods of 2013-2017 with a total study population of 60 months. The sampling technique used in this study is sampling jenuh and acquired 60 months samples. The analisys technique used is multiple linear regressions, both t test and F test. The dependent variable is profitability while the independent variable is Inventory Turnover, Sales Growth, and Liquidity

scholarly journals Factors Affecting Cloves Production in Woewolo Village, Nagekeo District, East Nusa Tenggara Province, Indonesia

2021 ◽  
Vol 22 (4) ◽  
pp. 37
Author(s):  
Maria Helena Carolinda Dua Mea
Keyword(s):  
Quantitative Research ◽  
Statistical Tests ◽  
T Test ◽  
Economic Life ◽  
Added Value ◽  
Primary Data ◽  
Test Results ◽  
Land Area ◽  
Significance Level ◽  
Factors Affecting

To plant cloves is very promising for the farmers in Woewolo. The cloves plantation in Woewolo Village, Mauponggo District is an effort to obtain added value for economic life.  the purpose of this study was to determine whether capital, labor, and land area affect the production income of clove farmers in Woewolo Village, Nagekeo Regency. This research is a type of quantitative research.  The population determined in this study were all clove farmers in Woewolo Village with 75 samples.  Primary data collection was carried out by distributing questionnaires to respondents. Based on the Multiple Linear Regression Test the Variables Capital (X1), Labor (X2), and Land Area (X3) have a positive regression coefficient direction on Clove Production in Woewolo Village, Mauponggo District.  The statistical test results prove that capital affects clove production as indicated by the acquisition of t-test results, namely the t-count value of 2.452 with a significance of 0.017 at the 5% significance level where 0.017 <0.05.  The results of statistical tests prove that labor affects clove production as indicated by the acquisition of t-test results, namely the t-count value of 2.489 with a significance of 0.015 at the 5% significance level where 0.015 <0.05.  The results of statistical tests prove that land area affects clove production as indicated by the acquisition of t-test results, namely the t-count value of 5.347 with a significance of 0.000 at the 5% significance level where 0.000 <0.05.  the percentage of the contribution of the influence of the independent variables including the capital, labor, and land area on the clove production variable is 35.8%.

scholarly journals Analysis of Factors Affecting Trust on the Use of FinTech (P2P Lending) in Indonesia

2021 ◽  
Vol 10 (1) ◽  
pp. 79-85
Author(s):  
Jimmy Pratama
Keyword(s):  
Random Sampling ◽  
Quantitative Research ◽  
Brand Image ◽  
Sampling Technique ◽  
Simple Random Sampling ◽  
Primary Data ◽  
Factors Affecting ◽  
P2p Lending ◽  
Structural Assurance ◽  
The Difference

Since 2016 the P2P Lending industry has begun to develop in Indonesia. Peer to Peer Lending (P2P Lending) is a new alternative to getting funds in the form of money loans to individuals or investors. Fintech P2P Lending provides convenience through a simple and fast service. Its features can be accessed by anyone, anytime, anywhere. On the other hand, investors or lenders have investment alternatives with attractive returns. So that it quickly spread to all segments of Indonesian society. The purpose of this research is to analyze what factors can influence trust in using of P2P Lending in Indonesia. The difference between this study and previous research is that there is no research that focuses on trust in the use of FinTech, especially P2P Lending in Indonesia. This research is a type of quantitative research that used is primary data obtained by distributing questionnaires directly to Indonesians. The samples taken by Simple Random Sampling Technique and obtained 400 respondents as user fintech. And the statistical analysis used in this study is multiple regression and using SPSS 23 program. Based on the result, this study showed that the variable of structural assurance, easy of use, and brand image were significant on trust in using FinTech, meanwhile the variable of  integrity was not significant on trust in using FinTech.

scholarly journals Efektivitas tradisional Talempong Pacik terhadap peningkatan disiplin, toleransi, dan kerjasama siswa

2018 ◽  
Vol 5 (1) ◽  
pp. 57-66
Author(s):  
Yaumil Ikhsan ◽  
Kun Setyaning Astuti
Keyword(s):  
Data Analysis ◽  
Experimental Design ◽  
Quantitative Research ◽  
Descriptive Analysis ◽  
Sampling Technique ◽  
T Test ◽  
Purposive Sampling ◽  
Traditional Art ◽  
Tenth Graders ◽  
Independent Variable

Penelitian ini bertujuan untuk mengetahui efektivitas pengaruh tradisional talempong pacik untuk mengetahui sikap disiplin, toleransi, dan kerjasama siswa di SMA Negeri 9 Kota Padang Sumatera Barat. Penelitian ini dilatar belakangi oleh nilai-nilai yang terkadung dalam falsafah (1) alua jo patuik yang berarti disiplin, (2) bajalan paliharo kaki, paliharo lidah, kato sapatah dipikia an, nan elok dek awak ka tuju dek urang yang berarti toleransi, dan (3) ka mudiak sa antak galah, ka hilia sarangkuah dayuang, sasuai lahie jo bathin, sasuai muluik jo hati yang berarti kerjasama yang terkandung dalam kebudayaan Minangkabau yang selalu diwarisi secara turun-temurun salah satunya melalui kesenian tradisional talempong pacik. Pendekatan ini adalah kuantitatif dengan desain eksperimen pre-test pos-test. Sampel sejumlah 30 orang siswa dari 300 populasi siswa kelas X di SMA Negeri 9 Kota Padang Sumatera Barat, ditentukan dengan teknik purposive sampling. Varibel bebasnya adalah permainan musik talempong pacik sedangkan variabel terikatnya adalah disiplin, toleransi, dan kerjasama. Pengumpulan data menggunakan kuesioner. Validitas dan realibilitas instrumen  menggunakan korelasi product moment pearson dan Alpha Cronbach’s. Sedangkan analisis data menggunakan analisis deskriptif dengan menggunakan uji t. Hasil penelitian menunjukkan bahwa terdapat perbedaan yang positif dan signifikan antara pre-test dan pos-test.  Kesenian tradisional talempong pacik berpengaruh terhadap peningkatan sikap disiplin, toleransi dan kerjasama siswa SMA Negeri 9 Kota Padang Sumatera Barat.Kata kunci: kesenian tradisional, talempong pacik, pendidikan, disiplin, toleransi, dan kerjasama TRADITIONAL EFFECTIVENESS TALEMPONG PACIK TO INCREASED DISCPLINE, TOLERANCE, AND COOPERATION OF STUDENTSAbstractThis research is aimed at revealing the effect of the traditional art of talempong pacik on the character of discipline, tolerance, and cooperation of the students  of SMAN Padang, Sumatera Barat. This research was based on the philosophical values of 1. alua jo patuik which refers to discipline, 2.  bajalan paliharo kaki, paliharo lidah, kato sapatah dipikia an, nan elok dek awak ka tuju dek urang which refers to tolerance, and 3. ka mudiak sa antak galah, ka hilia sarangkuah dayuang, sasuai lahie jo bathin, sasuai muluik jo hati which refers to cooperation implied in Minangkabau culture and inherited from generation to generation, one of which is through the traditional art of talempong pacik. This research was quantitative research and used the pre-test pos-test experimental design. The sample were 30 students from 300 population of students from tenth graders in SMAN 9  Padang Sumatera Barat, established by using the purposive sampling technique. The independent variable is a music game talempong pacik while the dependent variable is a discipline, tolerance, and cooperation . The validity and the reliability of the instrument were calculated by using Person product moment and Alpha Cronbach’s. While the data analysis using descriptive analysis t test. The result showed that there were differences that positive and significant correlation between pretest and posttest. Talempong art pacik affect the increased discipline, tolerance, and cooperation of students SMA 9 cities desert country western Sumatra.Keywords: traditional art, talempong pacik, education, discpline, tolerance, and  cooperation

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