scholarly journals Faktor-faktor yang Memengaruhi Preferensi Nasabah terhadap Produk Rahn: Studi Kasus PT. BPRS Amanah Ummah

Al-Muzara ah ◽  
2020 ◽  
Vol 8 (1) ◽  
pp. 1-16
Author(s):  
Lisda Qotrunnada Nabila Putri ◽  
Jaenal Effendi

Rahn is financing for the community to borrow money using personal items as collateral. Public interest in rahn is still small, even though rahn knew as savings and loan services for property that is guaranteed by customers. The savings and loan services are paid every month along with the loan installments and do not use the interest system, only determining the nominal value of the rupiah determined by the pawning party. Thus, this study aims to determine the factors that influence customer preferences in choosing rahn products. The total of 120 respondents are taken, with a proportion of 60 as respondents representing rahn product respondents and 60 other respondents. The collected data is processed using logistic regression techniques. The results of the study show the factors that influence customer preferences for rahn products are factors of knowledge, promotion, service, education level, employment, income, expenditure and the number of dependents significantly influence customer decisions in choosing rahn products.

2018 ◽  
Vol 34 (1) ◽  
Author(s):  
Dewi Rosiana ◽  
Achmad Djunaidi ◽  
Indun Lestari Setyono ◽  
Wilis Srisayekti

This study aims to describe the effect of sanctions (individual sanctions, collective sanctions, and absence of sanctions) on cooperative behavior of individuals with medium trust in the context of corruption. Both collective sanctions and individual sanctions, are systemic, which means sanctioning behavior is exercised not by each individual but by the system. Cooperative behavior in this context means choosing to obey rules, to reject acts of corruption and to prioritize public interests rather than the personal interests. Conversely, corruption is an uncooperative behavior to the rules, and ignores the public interest and prioritizes personal interests. Research subjects were 62 students. The Chi-Square Analysis was used to see the association between the variables and the logistic regression model was applied to describe the structure of this association. Individual sanction is recommended as punishment to medium trust individuals to promote cooperative behavior in the context of corruption. The results showed that individuals with medium trust had more cooperative behavior.


2020 ◽  
Author(s):  
Khayriyyah Mohd Hanafiah ◽  
Chang Da Wan

The COVID-19 pandemic is the first to occur in an age of hyperconnectivity. This paper presents results from an online anonymous survey conducted in Malay, English, and Chinese, during the first week of the Movement Control Order in Malaysia (n=1075), which aimed to examine public knowledge, perception and communication behavior in the Malaysian society in the face of a sudden outbreak and social distancing measures. Although the level of public knowledge, risk perception and positive communication behavior surrounding COVID-19 was high, a majority of respondents reported receiving a lot of questionable information. Multinomial logistic regression further identified that responses to different items varied significantly across respondent survey language, gender, age, education level and employment status.


2021 ◽  
Vol 21 (1) ◽  
Author(s):  
Demeke Lakew Workie ◽  
Lijalem Melie Tesfaw

Abstract Background Malnutrition is the most common cause of mortality and morbidity of children in low and middle income countries including Ethiopia and household wealth index shares the highest contribution. Thus, in this study it is aimed to conduct bivariate binary logistic regression analysis by accounting the possible dependency of child composite index anthropometric failure and household wealth index. Methods In this study the data from Ethiopian Demographic and Health Survey (EDHS) 2016 involved 9411 under five children was considered. Child Composite Index Anthropometric Failure (CIAF) measures the aggregate child undernourished derived from the conventional anthropometric indices (stunting, underweight and wasting). The correlation between CIAF and wealth index was checked and significant correlation found. To address the dependency between the two outcome variables bivariate binary logistic regression was used to analyze the determinants of child CAIF and household wealth index jointly. Results Study results show that region, place of residence, religion, education level of women and husband/partner, sex of child, source of drinking water, household size and number of under five children in the household, mothers body mass index, multiple birth and anemia level of child had significant association with child CIAF. Female children were 0.82 times less likely to be CIAF compared to male and multiple birth children were more likely to be CIAF compared to single birth. Children from Oromia, Somalie, Gambela, SNNPR, Harari and Addis Ababa region were 0.6, 0.56, 0.67, 0.52, 0.6 and 0.44 times less likely to be CIAF compared to Tigray. A household from rural area were 15.49 times more likely poor compared to a household. The estimated odds of children whose mothers attended primary, and secondary and higher education was 0.82, and 0.52 times respectively the estimated odds of children from mothers who had never attended formal education. Conclusion The prevalence of children with composite index anthropometric failure was high and closely tied with the household wealth index. Among the determinants, region, religion, family education level, and anemia level of child were statistically significant determinants of both CIAF and household wealth index. Thus, the authors recommend to concerned bodies and policymakers work on household wealth index to reduce the prevalence of child composite anthropometric failure.


2012 ◽  
Vol 5 (1) ◽  
pp. 83-91 ◽  
Author(s):  
Sara C. P. Lovtang ◽  
Gregg M. Riegel

AbstractWhere the nonnative annual grass downy brome proliferates, it has changed ecosystem processes, such as nutrient, energy, and water cycles; successional pathways; and fire regimes. The objective of this study was to develop a model that predicts the presence of downy brome in Central Oregon and to test whether high presence correlates with greater cover. Understory data from the U.S. Department of Agriculture (USDA) Forest Service's Current Vegetation Survey (CVS) database for the Deschutes National Forest, the Ochoco National Forest, and the Crooked River National Grassland were compiled, and the presence of downy brome was determined for 1,092 systematically located plots. Logistic regression techniques were used to develop models for predicting downy brome populations. For the landscape including the eastside of the Cascade Mountains to the northwestern edge of the Great Basin, the following were selected as the best predictors of downy brome: low average March precipitation, warm minimum May temperature, few total trees per acre, many western junipers per acre, and a short distance to nearest road. The concordance index = 0.92. Using the equation from logistic regression, a probability for downy brome infestation was calculated for each CVS plot. The plots were assigned to a plant association group (PAG), and the average probability was calculated for the PAGs in which the CVS plots were located. This method could be duplicated in other areas where vegetation inventories take place.


2020 ◽  
Vol 15 (4) ◽  
Author(s):  
Maria K I J Yustheresani ◽  
Fajaria Nurcandra ◽  
Azizah Musliha Fitri ◽  
Annisa Ika Putri ◽  
Dyah Utari

One of the photokeratitis risk factors is acute reversible radiation of ultraviolet (UV) rays, which injure the cornea's epithelial tissue. Informal welding workers are susceptible populations to UV rays exposure. This study aimed to confirm the influence of UV radiation exposure on photokeratitis complaints in welding workers in Cimanggis, Depok, West Java. A cross-sectional study was conducted from February to June 2019 and used to select 100 welding workers purposively. A semi-structured questionnaire was used to determine photokeratitis complaints, age, education level, eye protection, safety knowledge, and work period; the UV radiation measured by A UV meter. Data were analyzed using a logistic regression test. We found the proportion of photokeratitis to be 84.0%, with 76.0% of UV radiation exceeding the Threshold Limit Values (TLV). The logistic regression test showed a significant effect of UV radiation on photokeratitis after controlling confounding variables (education level, eye protection, safety knowledge, and welding distance) (p-value = 0.006; AdjOR = 7.236; 95% CI: 1.74–30.07). It can be concluded that UV radiation, more than TLV, constitutes the primary risk factor for photokeratitis complaints. Risks for photokeratitis were influenced by low education level, poor eye protection, limited safety knowledge, and welding distance ≤ 45 cm.


2016 ◽  
Vol 19 (1) ◽  
pp. 57-80
Author(s):  
Farida Farida ◽  
Hermanto Siregar ◽  
Nunung Nuryartono ◽  
Eka Intan KP

This paper investigate the determinants of microcredit repayment by employing the logistic regression on micro-business households in Pati, Central Java. The result of this study reveals that loan repayment affected significantly by the business lines, food consumption spending, side job, other loan sources, collateral, and credit constrained. Interestingly, the result concludes that the loan repayment are no longer influenced by moral hazard, since the characteristics such as gender, education level, age, experience do not significantly encourage borrowers to repay. This paper also conform the important role of peer-screening process on hindering the credit default.


2020 ◽  
Author(s):  
Abdolreza Medghalchi ◽  
Mitra Akbari ◽  
Reza Soltani Moghadam ◽  
Yousef Alizadeh

Topical anesthesia (TA) may accompany more discomfort for some patients during cataract surgery. We aimed to evaluate the potential factors that can be used for predicting patient’s cooperation during phacoemulsification surgery under TA. One hundred sixty consecutive cases that were candidate for phacoemulsification surgery were enrolled in this prospective study. Patients’ sex, age, place of residence (urban or rural), education level (literate and illiterate) and physical examination variables (visual acuity, reaction to eye drop, cooperation during tonometry, and reaction to press on the lacrimal sac before surgery) evaluated. Patients’ cooperation during surgery was classified as successful (good and satisfactory) or failed (weak) groups. In this study, 103(64.4%) cases showed good or satisfactory cooperation, and others had weak cooperation. There was no correlation between patients’ cooperation during surgery and sex (P=0.2), age (P=0.7), place of residency (P=0.3), and education level (P=0.3). The successful group showed a higher rate of non-reaction to eye drop (P=0.0001), good cooperation during tonometry (P=0.0001), non-reaction to press on lacrimal sac (P=0.0001), and lower visual acuity (P=0.045). In the multi-logistic regression, non-reaction to eye drop (OR=66.4), good cooperation during tonometry (OR=21.2, good vs. bad and OR=7.2, satisfactory vs. bad), lower visual acuity (OR=7, <0.1 vs. 0.1-0.4 d) are the significant predictors for the success of TA. This study showed that some ocular examination tests before surgery (visual acuity, reaction to eye drop, cooperation during tonometry, and reaction to press on the lacrimal sac) could predict patients’ cooperation during phacoemulsification surgery under TA. © 2019 Tehran University of Medical Sciences. All rights reserved. Acta Med Iran 2019;57(7):412-415.


2019 ◽  
Author(s):  
Yaye He ◽  
Jiangong Wang ◽  
Liangyuan Zhao

Abstract Background: To assess the awareness regarding sports rehabilitation among residents of Taiyuan. Method: From September 27, 2018 to March 29, 2019, 1200 residents who met the inclusion/ criteria were selected using convenient sampling method. The population was surveyed by self-designed questionnaires, and single factor and two-category logistic regression analysis (stepwise forward method) was used to identify the factors influencing awareness of mass sports rehabilitation in Taiyuan. Results: A total of 1200 questionnaires were issued, of which 1167 were collected and 1101 were valid. The corresponding recovery and effective recovery rates were 97.25% and 94.34% respectively. The overall rate of awareness of exercise rehabilitation was 80.7%, and education level, occupation, income and health status were significant influencing factors (R<0.05). The results of two-class logistic regression analysis showed that age, occupation, education level, income level and health status were the influencing factors affecting the public's perception of the sports rehabilitation concept (R<0.05), whereas gender, occupation, education level and health status influenced understanding of the establishment of the rehabilitation department in Taiyuan (R<0.05), and gender, age, education level and health status affected understanding of the types of patients receiving rehabilitation (R<0.05). Conclusion: There is a high general awareness regarding sports rehabilitation, and is influenced by various socio-economic factors.


2001 ◽  
Vol 67 (1) ◽  
pp. 133-141 ◽  
Author(s):  
Heidi E. Uljas ◽  
Donald W. Schaffner ◽  
Siobain Duffy ◽  
Lihui Zhao ◽  
Steven C. Ingham

ABSTRACT Probabilistic models were used as a systematic approach to describe the response of Escherichia coli O157:H7 populations to combinations of commonly used preservation methods in unpasteurized apple cider. Using a complete factorial experimental design, the effect of pH (3.1 to 4.3), storage temperature and time (5 to 35°C for 0 to 6 h or 12 h), preservatives (0, 0.05, or 0.1% potassium sorbate or sodium benzoate), and freeze-thaw (F-T; −20°C, 48 h and 4°C, 4 h) treatment combinations (a total of 1,600 treatments) on the probability of achieving a 5-log10-unit reduction in a three-strain E. coli O157:H7 mixture in cider was determined. Using logistic regression techniques, pH, temperature, time, and concentration were modeled in separate segments of the data set, resulting in prediction equations for: (i) no preservatives, before F-T; (ii) no preservatives, after F-T; (iii) sorbate, before F-T; (iv) sorbate, after F-T; (v) benzoate, before F-T; and (vi) benzoate, after F-T. Statistical analysis revealed a highly significant (P < 0.0001) effect of all four variables, with cider pH being the most important, followed by temperature and time, and finally by preservative concentration. All models predicted 92 to 99% of the responses correctly. To ensure safety, use of the models is most appropriate at a 0.9 probability level, where the percentage of false positives, i.e., falsely predicting a 5-log10-unit reduction, is the lowest (0 to 4.4%). The present study demonstrates the applicability of logistic regression approaches to describing the effectiveness of multiple treatment combinations in pathogen control in cider making. The resulting models can serve as valuable tools in designing safe apple cider processes.


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