scholarly journals Moderation of Non Performing Financing on Natural Uncertainty Contracts To The Profitability of Islamic Commercial Bank In Indonesia

2020 ◽  
Vol 4 (02) ◽  
Author(s):  
Taudlikhul Afkar ◽  
Grahita Chandrarin ◽  
Lilik Pirmaningsih
Keyword(s):  
Structural Equation ◽  
Quantitative Research ◽  
Time Series Data ◽  
Equation Model ◽  
Series Data ◽  
Islamic Banks ◽  
Business Managers ◽  
Quantitative Research Methods ◽  
Research Results ◽  
Analysis Technique

This study intends to provide an overview of the consistency of research results with theoretical and empirical points of view, it is done because many research results are inconsistent with the theory. Quantitative research methods are used to make generalizations using a sample of 14 Islamic Commercial Banks in Indonesia with time series data collection techniques for 5 years. The data analysis technique used is multivariate analysis using the Warp PLS structural equation model. The results showed that the level of profitability of Islamic banks is always overshadowed by the occurrence of credit risk that causes non-performing financing from financing of the type of natural uncertainty contracts because it is type of financing is a financing that does not provide certainty of results. The results of this study are consistent with agency theory that explains the existence of information asymmetry, and consistent with the theory of mixing that by providing opportunities to manage business to business managers (mudharib/mustyarik) without interference from the owner of the fund (shaibul maal) can lead to the risk of default and thus affect the ability of Islamic banks to obtain profitability.

scholarly journals Structural Equation Model to Measure the Leveraging Factors of Research Productivity in Private Universities: Lecturers' Perceptions

2020 ◽  
Vol 8 (`10) ◽  
pp. 1964-1982
Author(s):  
Hadry Harahap ◽  
Dewi Andriani ◽  
Harris Oemar
Keyword(s):  
Structural Equation Model ◽  
Leadership Style ◽  
Research Productivity ◽  
Structural Equation ◽  
Quantitative Research ◽  
Private Universities ◽  
Equation Model ◽  
Quantitative Research Methods ◽  
Positive Direct ◽  
Subject Specialization

Lecturers play an important role in carrying out tasks that are neatly packaged in the Tri Dharma Perguruan Tinggi which consists of conducting research, writing, and publishing the results of their research in reputable journals and providing service to the surrounding community according to the subject specialization of individuals. The purpose  of this study is to determine. Structural Equation Model to Measure the Leveraging Factors of Research Productivity in Private Universities: Lecturers' Perceptions  This study was conducted to test the proposed hypothesis using quantitative research methods and was designed according to the variables to be studied. as well as data analysis techniques using SEM with IBM AMOS 2 software. Based on the results of the analysis, it can be concluded that a new model was found on the positive direct effect of the reward system, transformational leadership style, communication, and motivation on productivity.  

Pengaruh Nilai Tukar (Kurs) dan Inflasi terhadap Tingkat  Non Performing  Financing (NPF) Pada Bank Syariah

2019 ◽  
Vol 2 (2) ◽  
pp. 214-224
Author(s):  
Muhammad Arfan Harahap ◽  
Anjur Perkasa Alam ◽  
Muspita Pradila
Keyword(s):  
Exchange Rate ◽  
Time Series Data ◽  
Sampling Technique ◽  
Series Data ◽  
Islamic Banks ◽  
Exogenous Variables ◽  
Independent Variables ◽  
Analysis Technique ◽  
The Exchange Rate ◽  
Conventional Banks

The level of Non-Performing Financing at Islamic Banks is higher than conventional banks, while in terms of total assets, Islamic Banks are smaller. This study aims to analyze the effect of exogenous variables consisting of the level of inflation and the exchange rate of the rupiah against non Performing Financing in Islamic banks. This study uses time series data from 2016-2018. The population in this study consisted of Islamic Commercial Banks. The sampling technique used in this research is purposive sampling technique. The data analysis technique used is Multiple Linear Regression. The results showed that the inflation variable had a positive and significant effect on Non Performing Financing. While the Exchange Rate has no effect on Non Performing Finance. Meanwhile, simultaneously the two independent variables affect the independent variables.

scholarly journals Analisis Persepsi, Preferensi dan Sikap Teungku Dayah serta Pengaruhnya terhadap Perilaku Menabung di Bank Syariah

2019 ◽  
Vol 4 (1) ◽  
pp. 1-19
Author(s):  
Muhammad Riza
Keyword(s):  
Quantitative Research ◽  
Linear Regression Analysis ◽  
Sampling Technique ◽  
Simple Random Sampling ◽  
Multiple Linear Regression Analysis ◽  
Equation Model ◽  
Primary Data ◽  
Islamic Banks ◽  
Quantitative Research Methods ◽  
Saving Behavior

This study aims to test and analyze the infl uence of perceptions, preferences, and attitude of teungku dayah on saving behavior in Islamic banks. The independent variables used in this study are perceptions, preferences, and attitudes. The dependent variable used in this study is saving behavior in Islamic banks. This study uses quantitative research methods with a survey approach. The population in this study is tengku dayah in the city of langsa totaling 45 tengku dayah, the sample in this study uses probability sampling technique with the type of sampling simple random sampling while the sample size is obtained from the calculation using the Slovin formula with a 5% error rate of 40 tengku dayah. The data sources in this study are primary data in the form of questionnaires. The data source in this study is primary data. Data analysis techniques used were parametric statistics, with multiple linear regression analysis. Measurement of questionnaires answered by respondents used a Likert scale using Statistical Package for the Social Sciences (SPSS) 22. The results of this study indicate that the perception of teungku dayah on saving behavior in Islamic banks has a positive and signifi cant eff ect. While the preference and attitude variables do not aff ect the savings behavior in Islamic banks. While the value of adjusted R2 is 0.62 which shows the infl uence of the independent variable on the dependent variable that can be explained by the equation model is 62% and the remaining 38% is infl uenced by other factors.

scholarly journals APPLICATION OF THE ECONOMETRIC APPROACH TO FORECASTING THE KEY INDICATORS IN RENTAL OPERATIONS

2020 ◽  
pp. 106-116
Author(s):  
Valerii Ilin ◽  
Serhii Rohoznyi
Keyword(s):  
Regression Analysis ◽  
Information Search ◽  
Quantitative Research ◽  
Time Series Data ◽  
Statistical Processing ◽  
Series Data ◽  
Analysis Model ◽  
Quantitative Research Methods ◽  
Correlation And Regression Analysis ◽  
Study Results

Introduction. Lease is considered one of the alternative forms of financing and a means of providing production and economic activities with the necessary assets. Leasing operations are relevant and cost-effective for small and medium-sized businesses, which do not always have enough resources to buy their own premises, equipment, etc. Leases have many characteristics and can be described using quantitative research methods. Methods. The practical application of scientific methods in our study is as follows: dialectical - to determine general approaches to research; monographic - in relation to the in-depth study of certain social phenomena; scientific knowledge - to determine a certain "perspective" of research as an assumption about the most relevant to the study of the selected problem characteristics of the object; abstract-logical - in order to return from the formulated scientific abstractions again to the study of the concrete and the formulation of the necessary conditions for its further existence and development in a logical sequence; scientific generalization - regarding the generalization of scientific facts and results based on the study, as well as methods of statistical processing of information, using methods of obtaining such quantities and qualitative characteristics, which are not directly in the economic information of the enterprise under study. Results. The article analyzes the influence of various factors on the amount of rent using correlation and regression analysis. The structure of leasing agreements and lease transactions in Ukraine by the volume of sold services is analyzed. Leasing operations in Ukraine by the volume of realized services in terms of real estate lease and the amount of rent in the studied lease agreements are considered. A linear model based on a spatial series of data is built, and its quality is checked. The initial model was modified taking into account the information about the statistical insignificance of individual variables. The forecast of the rent indicator is made taking into account the set factor indicators. Discussion. A promising area of further research is to improve the model by analyzing additional array of information (search for additional significant factors), as well as the use of econometric tools to analyze time series data in terms of lease and use them for short-term forecasting. Keywords: lease (rent), leasing, rental, correlation and regression analysis, model, forecasting.

scholarly journals Pengaruh pengelolaan alokasi dana desa terhadap Peningkatkan kesejahteraan masyarakat

2020 ◽  
pp. 77-90
Author(s):  
Mutia Sumarni
Keyword(s):  
Quantitative Research ◽  
Linear Regression Analysis ◽  
Simple Random Sampling ◽  
Equation Model ◽  
Primary Data ◽  
Fund Management ◽  
Quantitative Research Methods ◽  
Analysis Measurement ◽  
Analysis Technique ◽  
Independent Variable

This study aims to examine the effect of village fund management on improving the welfare of the community. The independent variable used in this study is village fund management. The dependent variable used in this study is welfare. This research uses quantitative research methods. The population in this study was the population of 2077 people, with the method of probability sampling with simple random sampling while the sample size was obtained from calculations using the Slovin formula with an error rate of 5% from 95 people. Sources of data in this study are primary data in the form of questionnaires. The data analysis technique used is simple linear regression analysis. Measurement of the questionnaire answered by respondents using a Likert scale using the Statistical Package for Social Sciences (SPSS). The results of this study indicate that the management of village funds to improve welfare has a positive effect. While the adjusted R2 value is 0.46 which shows the effect of the independent variable on the dependent variable that can be explained by the equation model is 46.0%, while the remaining 54.0% is explained by other variables not examined or outside the model.   Keywords: Village fund management and welfare level

scholarly journals The Effect Of Debt-Based Financing And Equity-Based Financing On Islamic Banks Profitability In Indonesia

2020 ◽  
Vol 4 (2) ◽  
pp. 106
Author(s):  
Rofiul Wahyudi ◽  
Aulia Arifatu Diniyya ◽  
Julia Noermawati Eka Satyarini ◽  
Lu’liyatul Mutmainah ◽  
Sri Maulida
Keyword(s):  
Panel Data ◽  
Time Series Data ◽  
Random Effect ◽  
Series Data ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Common Effect ◽  
Analysis Technique ◽  
Conceptual Aspect ◽  
Conventional Banks

This study's main objective is to investigate equity-based financing and debt-based financing of the profitability of Islamic banking in Indonesia. This research is expected to contribute to the theoretical and practical dimensions. On the conceptual aspect, this study can provide evidence of whether equity-based financing and debt-based financing affect the profitability of Islamic banking. While on the practical dimension, Islamic banks in Indonesia can determine the extent of their profitability and, in turn, the competitiveness of Islamic banks to enable it to be developed in line or even better than conventional banks. The data analysis technique uses panel data regression, which is time series data and cross-section. Next, to estimate the panel data model, which is divided into three, namely: common effect, fixed effect, and random effect. The result of this study that partially equity-based financing does not affect ROE. At the same time, debt-based financing influences the ROE of Islamic banks. Partially equity-based financing and debt-based financing do not affect ROA of Islamic banks. However, it simultaneously shows that the independent variable test results, namely equity-based financing and debt-based financing, have a strong influence on the dependent variable, namely, profitability as measured by ROA and ROE.

scholarly journals Pengaruh Capital Adequacy Ratio , Biaya Operasional Pendapatan Operasional dan Net Operational Margin terhadap Financing to Deposit Ratio pada Bank Umum Syariah di Indonesia Tahun 2016-2018

2021 ◽  
Vol 1 (1) ◽  
pp. 27-33
Author(s):  
Moch Fajar Suryo Atmojo ◽  
Nurfahmiyati ◽  
Meidy Haviz
Keyword(s):  
Time Series ◽  
Commercial Banks ◽  
Quantitative Research ◽  
Time Series Data ◽  
Secondary Data ◽  
Equation Model ◽  
Least Square ◽  
Capital Adequacy ◽  
Series Data ◽  
Ordinary Least Square

Abstract. Sharia Banking as an economic sub-system certainly will directly or indirectly have an impact on the development and economic growth of a country. Sharia Commercial Bank (BUS) is a bank that conducts business activities based on sharia principles and in its activities provides services in payment traffic as referred to in Act Number 21 of 2008 concerning Sharia Banking. The health of a bank is very important for all parties involved both the owner, manager (management) of the bank, the banking service user community, monetary authorities, and other parties.This study was conducted to examine the effect of CAR, BOPO, and NOM on Financing to Deposit Ratio (FDR) of Sharia Commercial Banks in Indonesia in 2016-2018. This type of research uses quantitative research with a verification approach. The data used are secondary data taken from the FSA using time series data. Data processing uses Eviews version 7.0 with Ordinary Least Square (OLS) method.The results showed that the CAR variable partially had a negative effect and the BOPO and NOM variables had a positive and significant effect on FDR at Islamic Commercial Banks in Indonesia. From the estimation results obtained R-square of 0.733707, which means 73.37 percent variation of changes in Financing to Deposit Ratio (FDR) of Sharia Commercial Banks is explained by variations in changes in CAR, BOPO, and NOM. While the remaining 26.63 percent explained by other variables not included in the equation model.   Abstrak. Perbankan Syariah sebagai suatu sub sistem ekonomi tentunya baik secara langsung maupun tidak langsung akan memberikan dampak terhadap perkembangan dan pertumbuhan ekonomi suatu negara. Bank Umum Syariah (BUS) adalah bank yang menjalankan kegiatan usahanya berdasarkan prinsip syariah dan dalam kegiatannya memberikan jasa dalam lalu lintas pembayaran sebagaimana dimaksud dalam Undang-Undang Nomor 21 Tahun 2008 tentang Perbankan Syariah. Kesehatan suatu bank merupakan hal yang sangat penting bagi seluruh pihak yang terkait baik pemilik, pengelola (manajemen) bank, masyarakat pengguna jasa bank, otoritas moneter, serta pihak lainnya. Penelitian ini dilakukan untuk menguji pengaruh CAR, BOPO, dan NOM terhadap Financing to Deposit Ratio (FDR) Bank Umum Syariah di Indonesia Tahun 2016-2018. Jenis penelitian menggunakan penelitian kuantitatif dengan pendekatan verifikatif. Data yang digunakan adalah data sekunder yang diambil dari OJK menggunakan data runtut waktu (time series). Pengolahan data menggunakan program Eviews versi 7.0 dengan metode Ordinary Least Square (OLS). Hasil penelitian menunjukkan variabel CAR secara parsial berpengaruh negatif dan variabel BOPO dan NOM berpengaruh positif dan signifikan terhadap FDR pada Bank Umum Syariah di Indonesia. Dari hasil estimasi diperoleh R-square sebesar 0.733707, yang berarti 73.37 persen variasi perubahan pada Financing to Deposit Ratio (FDR) Bank Umum Syariah dijelaskan oleh variasi perubahan pada CAR, BOPO, dan NOM. Sementara sisanya 26.63 persen diterangkan oleh variabel lain yang tidak masuk ke dalam model persamaan.

Measurement of the Effects of Regional Policy Instruments by Means of Linear Structural Equation Models and Panel Data

1981 ◽  
Vol 13 (11) ◽  
pp. 1435-1448 ◽  
Author(s):  
H Folmer
Keyword(s):  
Time Series ◽  
Measurement Errors ◽  
Structural Equation ◽  
Regional Policy ◽  
Structural Equation Models ◽  
Time Series Data ◽  
Policy Instruments ◽  
Equation Model ◽  
Series Data ◽  
Cross Sectional

Two kinds of problems have generally been encountered in measuring the effects of instruments of regional policy. The first concerns the construction of an adequate method, which should (a) take explicitly into account the multidimensional character of a regional profile, (b) disentangle policy effects from autonomous developments, (c) make it possible to compare the effects of different policy instruments, and (d) be capable of dealing with theoretical constructs and measurement errors. The second problem relates to the scarcity of regional data, both concerning time-series and cross-sectional data. A linear structural equation model is presented which meets the first set of conditions. This model is then modified in such a way that it can be estimated by pooling cross-sectional and time-series data, thus increasing the number of observations. In addition, as an application the effects of regional industrialization policy on investments in the Netherlands during the period 1973–1976 are estimated.

scholarly journals PENGARUH KOMPETENSI AGEN ASURANSI TERHADAP LOYALITAS NASABAH PADA PERUSAHAAN ASURANSI JIWA BERSAMA BUMIPUTERA 1912 KANTOR CABANG SYARIAH PALMERAH

2020 ◽  
Vol 3 (1) ◽  
pp. 21-36
Author(s):  
Aria Fariska ◽  
Fahmi Syahbudin
Keyword(s):  
Customer Loyalty ◽  
Structural Equation ◽  
Quantitative Research ◽  
Positive Impact ◽  
Equation Model ◽  
Quantitative Research Methods ◽  
Dependent Variables ◽  
Knowledge Competencies ◽  
Branch Office ◽  
And Behavior

ABSTRAK: Penelitian ini bertujuan untuk mengetahui pengaruh Kompetensi Agen Asuransi syariah, yaitu kompetensi pengetahuan, kompetensi skill, dan perilaku agen terhadap loyalitas nasabah asuransi AJB Bumiputera 1912 syariah cabang palmerah. Penelitian ini adalah penelitian kuantitatif. Data yang akan digunakan adalah data primer dengan kuesioner. metode yang digunakan adalah metode SEM (structural equation model). Hasil tes menunjukan bahwa pengetahuan secara parsial mempunyai pengaruh negative yang tidak signifikan. Sedangkan skill memiliki hubungan positif dan signifikan mempengaruhi loyalitas nasabah. Hal ini sejalan dengan perilaku agen yang juga signifikan mempengaruhi loyalitas. Secara bersamaan ketiga variable ini secara signifikan mempengaruhi loyalitas nasabah.Kata kunci: Kompetensi Pengetahuan, kompetensi Skill, kompetensi Perilaku, loyalitas nasabah dan SEM.ABSTRACT: This research aims to know the influence of the Insurance Agent's competence consists of knowledge of the agen and the Agent's skills towards the customer loyality on AJB Bumiputera 1912 Palmerah sharia branch office. Type of this research is quantitative research . Methods and techniques of data analysis in this study using Structural Equation. Based on the test, Partially substantiated knowledge competency that influence negative and not significant on customer loyalty, while competency with respect to the skills is significant and positive impact on customer loyalty, also competency of behaviour has positive relation but not significant to customer loyality. Simultaneously proved that these three independent variables (knowledge competencies, skills competence and behavior competence) have an influence positively and significantly to the dependent variables (customer loyalty.Keywords: Knowledge Competence, Skill Competence, Behavior Competence, Customer Loyalty, SEM

scholarly journals Strategi Perbankan Syariah Sebagai Solusi Pengembangan Halal Industry di Indonesia

2018 ◽  
Vol 1 (1) ◽  
pp. 314
Author(s):  
Rahmayati Rahmayati
Keyword(s):  
Quantitative Research ◽  
Time Series Data ◽  
Software Tool ◽  
Industrial Sector ◽  
Processing Technique ◽  
Series Data ◽  
Islamic Banks ◽  
Industrial Sectors ◽  
Independent Variable

This study aims to improve halal industry through the role of sharia banking with financing channeled by the Islamic banks to finance customers. The method used in this research is qualitative and quantitative research. The qualitative data processing technique is sourced from the analysis of the interviews conducted by the syariah bank and the financing customer, while the quantitative analysis uses secondary time series data derived from publication reports from OJK and BPS from 2005 to 2017 with Eviews software tool. The variables of this research are halal sectors (Halal GDP) as dependent variable; total sharia bank financing; inflation, and export of halal industry as an independent variable. The results of this study proves that sharia banking can encourage the increase and development of halal industrial sector through financing customers in Islamic banks. The econometric results also prove that research variables such as the number of halal industrial sectors will increase with the increase in the business of customers who get halal certification. Despite the inflationary conditions, it does not slow the growth of halal industrial sector.

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