scholarly journals PENGARUH VARIABEL EKONOMI MAKRO TERHADAP PEMBIAYAAN PERBANKAN SYARIAH PERIODE 2010-2018

2021 ◽  
Vol 24 (1) ◽  
pp. 9-15
Author(s):  
Jie Novita
Keyword(s):  
Empirical Study ◽  
Interest Rates ◽  
Least Square ◽  
Quantitative Approach ◽  
Islamic Banking ◽  
Macroeconomic Variables ◽  
Ordinary Least Square ◽  
Bank Financing ◽  
Independent Variable ◽  
Repo Rate

The purpose of the research is to examine and analyze the effect of macroeconomic variables GDP and inflation on Islamic banking financing in Indonesian. Islamic bank financing is the dependent variable, whereas GDP, reference interest rates, and inflation are the independent variable. The data used is Islamic banking financing, GDP, reference interest rates, and inflation in Indonesian from 2010-1018. This empirical study uses a quantitative approach and method of OLS (Ordinary Least Square). The results of this research indicate that the GDP variable has positive and statistically significant effect on Islamic banking financing, the variable reference interest rates (BI Rate and BI Rate 7days Repo Rate) have negative and statistically significant effect on Islamic banking financing, the inflation variable has positive and statistically significant effect on Islamic banking financing.

scholarly journals DETERMINANTS OF ISLAMIC BANKING PERFORMANCE: AN EMPIRICAL STUDY IN MALAYSIA (2007 TO 2016)

2019 ◽  
Vol 7 (6) ◽  
pp. 380-401 ◽  
Author(s):  
Lee Jun Quan ◽  
Suganthi Ramasamy ◽  
Devinaga Rasiah ◽  
Yuen Yee Yen ◽  
Shalini Devi Pillay
Keyword(s):  
Empirical Study ◽  
Gross Domestic Product ◽  
Credit Risk ◽  
Fixed Effect Model ◽  
Least Square ◽  
Capital Adequacy ◽  
Domestic Product ◽  
Islamic Banking ◽  
Ordinary Least Square ◽  
Effect Model

performance. Methodology: The methodology being used to analysis are an ordinary least square model (OLS) and fixed-effect model. The analysis was conducted in Malaysia for a period of 10 years from 2007 to2016. 10 Islamic banks in Malaysia were chosen to be tested for its performance. The study examines internal factors such as bank size, capital adequacy, liquidity, credit risk, and expense management and external factors such as Gross Domestic Product (GDP) and inflation effect on Islamic Bank’s performance in terms of return on asset and return on equity. Result: The findings showed that only capital adequacy and inflation significantly affect the Islamic bank’s performance. However, bank size, liquidity, credit risk, expense management, and Gross Domestic Product were found to be insignificantly affecting the Islamic bank’s performance. The analysis was carried out by applying ordinary least square model (OLS) regression and fixed-effect model. Applications: This research can be used for universities, teachers, and students. Novelty/Originality: In this research, the model of the Determinants of Islamic Banking Performance: An Empirical Study in Malaysia is presented in a comprehensive and complete manner.

THE EFFECT OF EDUCATION, HEALTH, UNEMPLOYMENT AND INFRASTRUCTURE ON POVERTY IN BENGKAYANG REGENCY

2019 ◽  
Vol 1 (1) ◽  
pp. 17-25
Author(s):  
Deffrinica Deffrinica
Keyword(s):  
Least Squares Method ◽  
Education Sector ◽  
Least Square ◽  
Path Coefficient ◽  
Hospital Services ◽  
Ordinary Least Square ◽  
Independent Variable ◽  
The Government ◽  
Poverty Levels ◽  
Positive Effect

Education  (X1) shows the results of the analysis of poverty (Y) in Bengkayang Regency. Not significant when viewed from the results of the t test partially can be obtained to count to the value of the Education Sector, -1.449> 1.796 so that education has a positive and not significant effect on poverty, which is supported by a significant level of 0.385 <0.050. This shows that the Education Sector variable has no significant effect on Poverty (Y). Health (X2) has a negative and significant effect on Poverty, which is supported by the Probability Value (sig) of 0.437 <0.050. This means that in terms of health, the government in this case has made every possible effort  for budget expenditures , but in fact in the field there are still many underprivileged people who have not been able to enjoy maximum hospital services. The results of the analysis of the direct effect of Unemployment (X3) on Poverty in Bengkayang Regency showed insignificant influence. The results of the analysis show that this path has a significant effect because the value of t count is 1,217, while the table is 1,796 (t count 1,217> t table 1,796), thus in this direct relationship pattern, unemployment has a positive effect not significant to poverty, which is supported by Probability Value (sig) 0.371> 0.050. The results of the analysis of direct influence of Infrastructure (X4) on poverty levels in Bengkayang Regency show that the path coefficient between Infrastructure and poverty is 0.804> 0.050, which means that the pathway has a negative and insignificant effect. The method used to analyze this research is linear regression with the least squares method usually known as OLS (Ordinary Least Square), which is a method used to determine the effect of an independent variable on the dependent variable.

scholarly journals PENERAPAN METODE BOOTSTRAP RESIDUAL DALAM MENGATASI BIAS PADA PENDUGA PARAMETER ANALISIS REGRESI

2014 ◽  
Vol 3 (4) ◽  
pp. 130
Author(s):  
NI MADE METTA ASTARI ◽  
NI LUH PUTU SUCIPTAWATI ◽  
I KOMANG GDE SUKARSA
Keyword(s):  
Regression Analysis ◽  
Statistical Analysis ◽  
Confidence Intervals ◽  
Bootstrap Method ◽  
Least Square ◽  
Prediction Tool ◽  
Analysis Method ◽  
Ordinary Least Square ◽  
Independent Variable ◽  
Parameter Estimators

Statistical analysis which aims to analyze a linear relationship between the independent variable and the dependent variable is known as regression analysis. To estimate parameters in a regression analysis method commonly used is the Ordinary Least Square (OLS). But the assumption is often violated in the OLS, the assumption of normality due to one outlier. As a result of the presence of outliers is parameter estimators produced by the OLS will be biased. Bootstrap Residual is a bootstrap method that is applied to the residual resampling process. The results showed that the residual bootstrap method is only able to overcome the bias on the number of outliers 5% with 99% confidence intervals. The resulting parameters estimators approach the residual bootstrap values ??OLS initial allegations were also able to show that the bootstrap is an accurate prediction tool.

scholarly journals PENGARUH VARIABEL MAKROEKONOMI TERHADAP DANA PIHAK KETIGA BANK UMUM SYARIAH DI INDONESIA

2020 ◽  
Vol 4 (1) ◽  
pp. 164
Author(s):  
Muhammad Dzulfaqori Jatnika
Keyword(s):  
Interest Rates ◽  
Commercial Banks ◽  
Random Effect ◽  
Random Effect Model ◽  
Least Square ◽  
Third Party ◽  
Ordinary Least Square ◽  
Effect Model ◽  
Per Capita ◽  
The Right

Tujuan penelitian ini  adalah menganalisis pengaruh faktor makroekonomi yaitu nilai tukar, inflasi, suku bunga, dan GDP per kapita terhadap dana pihak ketiga di bank umum Syariah. Penelitian ini merupakan penelitian kuantitatif dengan data sekunder yang berupa data panel. Teknik analisis yang digunakan adalah metode analisis linier berganda Ordinary Least Square (OLS). Hasil uji Hausman menunjukan model yang tepat dalam penelitian ini adalah random effect model. Semua variabel signifikan, variabel inflasi dan nilai tukar memiliki pengaruh positif sedangkan variabel suku bunga dan GDP per kapita memiliki pengaruh yang negatif terhadap dana pihak ketiga di bank umum Syariah. Hasil penelitian ini memiliki implikasi bagi para pelaku usaha perbankan untuk menentukan waktu yang tepat dalam menarik dan menyalurkan dana pihak ketiga dari masyarakat. Dan dapat menjadi acuan untuk mengeluarkan kebijakan terkait bisnisnya. Dan bagi peneliti selanjutnya dapat menjadi acuan untuk mengembangkan kembali penelitian berikutnya. Pada penelitian selanjutnya diharapkan dapat menambah variabel-variabel terkait lainnya selain variabel yang telah diteliti dalam penelitian ini. Kebaruan dalam penelitian ini adalah tambahan variabel yang mempengaruhi dana pihak ketiga dan juga tambahan sampel bank umum Syariah sehingga diharapkan penelitian ini lebih mendalam daripada penelitian sebelumnya.  The purpose of this study is to analyze the influence of macroeconomic factors, namely the exchange rate, inflation, interest rates, and GDP per capita on third party funds in Islamic commercial banks. This research is a quantitative study with secondary data in the form of panel data. The analysis technique used is the Ordinary Least Square (OLS) multiple linear analysis method. The Hausman test results showed the right model in this study was the random effect model. All variables are significant, inflation and exchange rates have a positive effect while interest rates and GDP per capita have a negative effect on third-party funds in Islamic commercial banks. The results of this study have implications for banking businesses to determine the right time in attracting and channelling third party funds from the public. And can be a reference for issuing policies related to business. And for further researchers can be a reference to develop further research. In the next research, it is expected to be able to add other related variables besides the variables that have been examined in this study. The novelty in this study is the addition of variables that affect third party funds and also additional samples of Islamic commercial banks so that this research is expected to be more in-depth than previous research.

scholarly journals Determinants of Household Debt in Malaysia from the year 2010 to 2017

2019 ◽  
Vol 5 (2) ◽  
pp. 91
Author(s):  
Zahariah Mohd Zain ◽  
Nurul Ainun Ahmad Atory Ahmad Atory ◽  
Sarah Amirah Hanafi
Keyword(s):  
Positive Relationship ◽  
Negative Relationship ◽  
Housing Price ◽  
Least Square ◽  
Household Debt ◽  
Macroeconomic Variables ◽  
Explanatory Variables ◽  
Ordinary Least Square ◽  
Independent Variables ◽  
Lending Rate

Household debt has become an issue in the Malaysian economy as it affects the country socially and economically.This study aims to examine the determinants of household debt from the year 2010 until 2017. This study employs the Ordinary Least Square (OLS) method and the macroeconomic variables used in this study are Gross Domestic Product (GDP), base lending rate, unemployment and housing price as independent variables. The results indicate that the trend of household debt in Malaysia has shown a continuous rise from the year 2010 to 2017. GDP, base lending rate and housing price indicate a positive relationship towards household debt while unemployment shows a negative relationship to household debt in Malaysia. All explanatory variables have shown a significant relationship except for GDP. Housing price has been found to be the most significant factor and positively related to household debt. The findings indicate that the higher the price of houses, the higher the household debt will be.

scholarly journals Dilemma of Business Climate and The "Real Climate"

2021 ◽  
Vol 25 (1) ◽  
pp. 210
Author(s):  
Faradiba Faradiba
Keyword(s):  
Climatic Conditions ◽  
Least Square ◽  
Climate Data ◽  
Business Climate ◽  
Non Profit ◽  
Ordinary Least Square ◽  
Industrial Enterprises ◽  
Independent Variable ◽  
The Village

The role of business in advancing the economy and welfare is highly expected in the community. In the development of a business that occurs, it often sacrifices non-profit aspects, such as the environment. The indirect impact that can arise from business development is climate change. This study uses climate data and the number of industrial enterprises by type at the village level, to determine the effect of business on the climate that occurs. This study uses ordinary least square, to determine the role of each independent variable. The results of this study indicate that an increase in 1,000 of these types of businesses will result in an increase in temperature of 1 oC. Furthermore, an increase in 1,000 types of business will reduce rainfall by 11 to 64 mm. Government and community efforts are needed to maintain climatic conditions for the sustainability of the ecosystem.

scholarly journals PENGARUH INFLASI, SUKU BUNGA DAN NILAI TUKAR RUPIAH TERHADAP HARGA SSAHAM PERUSAHAAN SEKTOR PROPERTI DAN REAL ESTATE YANG TERCATAT DI BURSA EFEK INDONESIA

2018 ◽  
Vol 6 (1) ◽  
Author(s):  
Fitri Ramadani
Keyword(s):  
Exchange Rate ◽  
Data Analysis ◽  
Interest Rates ◽  
Stock Prices ◽  
Stock Price ◽  
Least Square ◽  
Ordinary Least Square ◽  
Analysis Techniques ◽  
Negative Effect ◽  
The Exchange Rate

Thepurpose of this research is to knowthe influence of inflation,interestrates, and the exchange rate of the rupiah against the stock price. This research wasconducted on 30 companies secto rproperty and real estatelisted onthe IndonesiastockexchangePeriod 2012 – 2014. Data analysis techniques used in research namely OLS (Ordinary Least Square)through the help of multiple software SPSS version 18.0. Research results indicate that simultaneous inflation, interest rates, the rupiah exchanger ateand effect on stock prices. Research partially indicate that inflation is not a negative and apositive effect against the stock price, while the negative effect of interest rates significantly to the stock price and the exchange rate of rupiah apositive significant effect against the stock price.

scholarly journals PENGARUH KOMPETENSI DAN KOMPENSASI TERHADAP KINERJA KARYAWAN

2020 ◽  
Vol 3 (1) ◽  
pp. 58-67
Author(s):  
Yadi Maryadi ◽  
Yulia Misrania
Keyword(s):  
Regression Coefficient ◽  
Employee Performance ◽  
Regression Equation ◽  
Least Square ◽  
Ordinary Least Square ◽  
Independent Variables ◽  
Hotel Employees ◽  
Independent Variable ◽  
The City

This study aims to determine the effect of Competence and Compensation on Employee Performance (Case Study on Hotel Employees in the city of Pagar Alam). By using primary data and secondary data, this research uses the Ordinary Least Square method. The results of this study are the findings of the influence of Compensation and Compensation on Employee Performance (Case Study on Hotel Employees in the City of Pagar Alam) can be explained as follows. Based on the Regression analysis in the table above, the constant value α = 38,868 and coefficient b1 =. 083 and b2 = .396, so that the multiple linear regression equation is: Y = 38.868+ 0.083X1 + 0.396X2. The regression equation that has been obtained can be used to predict the value of the independent variable and the dependent variable, as follows: A constant value of 38,868 means that if all independent variables are zero, then the performance of hotel clerks in the city of Pagar Alam is valued at 38,868. Competence (X1) has a regression coefficient of .083 meaning that each increase in Competency by 1 unit then the performance of hotel employees increases by .083 assuming the other factors remain. Compensation (X2) has a regression coefficient of .396 meaning that each increase in compensation is 1 unit, the performance of hotel employees increases by .396. From the determination coefficient table above, it can be seen that the R Square figure is 0.931. This means that the influence between the independent variables with the dependent variable is 93.1% while the remaining 6.9% is influenced by other factors outside the regression model analyzed. From these figures it can be concluded that the influence of the independent variable with the dependent variable is very strong.   Penelitian ini bertujuan untuk mengetahui pengaruh Kompetensi dan Kompensasi terhadap Kinerja Karyawan (Studi Kasus pada Karyawan hotel di Kota Pagar Alam). Dengan menggunakan data primer dan data skunder penelitian ini menggunakan metode Regresi Linear Sederhana (Ordinary Least Square). Adapun hasil Penelitian ini adalah Hasil temuan mengenai pengaruh Komptensi dan Kompensasi terhadap Kinerja Karyawan (Studi Kasus pada Karyawan hotel di Kota Pagar Alam) dapat dijelaskan sebagai berikut. Berdasarkan analisis Regresi pada tabel diatas didapatkan  nilai konstanta α = 38.868 dan koefisien b1 = . 083  dan b2 = .396, sehingga persamaan regresi linier berganda adalah :  Y =  38.868+ 0.083X1 + 0.396X2. Persamaan regresi yang telah diperoleh dapat dipergunakan untuk memprediksi nilai variabel independen dan variabel dependen yaitu sebagai berikut : Nilai konstanta sebesar 38.868 artinya bahwa jika semua variabel independen benilai nol, maka kinerja kayawan hotel di kota Pagar Alam bernilai sebesar 38.868. Kompetensi (X1) mempunyai koefisien regresi sebesar .083 artinya setiap kenaikan Kompetensi sebesar 1 satuan maka kinerja karyawan hotel naik sebesar .083 dengan asumsi faktor-faktor yang lain tetap. Kompensasi (X2) mempunyai koefisien regresi sebesar .396 artinya setiap kenaikan kompensasi sebesar 1 satuan maka kinerja karyawan hotel naik sebesar .396. Dari tabel koefisien determinasi di atas, dapat dilihat bahwa angka R Square sebesar 0.931. Hal ini berarti pengaruh antar variabel independen dengan variabel dependen sebesar 93,1% sedangkan sisanya sebesar 6,9% dipengaruhi oleh faktor-faktor lain di luar model regresi yang dianalisis. Dari angka tersebut dapat diambil kesimpulan bahwa pengaruh antara variabel independen dengan variabel dependen sangat kuat.

scholarly journals Bank Efficiency in Malaysia a DEA Approach

2019 ◽  
Vol 8 (1) ◽  
pp. 133-162 ◽  
Author(s):  
Fakarudin Kamarudin ◽  
Fadzlan Sufian ◽  
Annuar Md. Nassir ◽  
Nazratul Aina Mohamad Anwar ◽  
Hafezali Iqbal Hussain
Keyword(s):  
Banking Sector ◽  
Least Square ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Profit Efficiency ◽  
Bank Efficiency ◽  
Ordinary Least Square ◽  
Management Quality ◽  
Macroeconomic Determinants ◽  
Revenue Efficiency

Abstract The purpose of the present paper is to examine the revenue efficiency of the Malaysian Islamic banking sector. The study also seeks to investigate the potential internal (bank specific) and external (macroeconomic) determinants that influence the revenue efficiency of Malaysian domestic Islamic banks. We employ the whole gamut of domestic and foreign Islamic banks operating in the Malaysian Islamic banking sector during the period of 2006 – 2015. The level of revenue efficiency is computed by using the Data Envelopment Analysis (DEA) method. Furthermore, we employ a panel regression analysis framework based on the Ordinary Least Square (OLS) method to examine the potential determinants of revenue efficiency. The results indicate that the level of revenue efficiency of Malaysian domestic Islamic banks is lower compared to their foreign Islamic bank counterparts. We find that bank market power, liquidity, and management quality significantly influence the improvement in revenue efficiency of the Malaysian domestic Islamic banks during the period under study. This study provides for the first time empirical evidence that covering all three efficiency concepts, namely cost, revenue, and profit efficiency is completely missing from the literature. By calculating these efficiency concepts, we can observe the efficiency levels of the domestic and foreign Islamic banks. In addition, by comparing both cost and profit efficiency, we can identify the influence of the revenue efficiency on the banks’ profitability.

scholarly journals Profitabilitas Bank Syariah Ditinjau dari Pembiayaan dengan Prinsip Bagi Hasil dan Kategori Usaha

2019 ◽  
Vol 14 (1) ◽  
pp. 48-63
Author(s):  
Purwanto Purwanto
Keyword(s):  
Data Analysis ◽  
Commercial Banks ◽  
Revenue Sharing ◽  
Profit Sharing ◽  
Partial Least Square ◽  
Least Square ◽  
Quantitative Approach ◽  
Islamic Banking ◽  
Negative Coefficient ◽  
Business Units

As a business institution, the objectives of Islamic banking is profitability. The profit can be achieved if Islamic banking distributes financing both with the principle of buying and selling, profit sharing or services. The focus of the study was on financing with the principle of profit sharing (Mudharabah and Musyarakah). Profit sharing has been studied as a variable that can increase profitability, but there are no definite conclusions. Thus it is necessary to study whether the actual financing of profit sharing affects the level of profitability directly or through certain business categories. The type of research is causality research with a quantitative approach. The population is Sharia Commercial Banks and Sharia Business Units in the period of January 2016 to December 2018. The data analysis uses Partial Least Square (PLS). The results shows that financing with profit sharing principles is proven to directly have an influence on profitability but in a negative coefficient. This study also shows that the higher the profit sharing financing, the lower the level of profitability. However, when the revenue sharing is channeled through SMEs and non-SMEs, the results become positive and significant to profitability

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