scholarly journals Religiosity in The Decision to Use Islamic Banking Products

2020 ◽  
Vol 4 (2) ◽  
pp. 196-225
Author(s):  
Indra Kurniawan
Keyword(s):  
Significant Influence ◽  
Joint Effect ◽  
Islamic Banking ◽  
Decision Variable ◽  
Decision Variables

This study aims to examine the effect of religiosity on decisions to use Islamic banking products; whether there is an influence between the facilities on the decision to use Islamic banking products; whether there is an influence between knowledge on the decision to use Islamic banking products; and whether there is an influence between promotion on the decision to use Islamic banking products. Based on the results of research and discussion, it can be concluded. First, religiosity does not have a significant effect on the variables of customer decisions in using banking products. Second, the facility has a significant influence on the customer's decision variable in using Islamic banking products. Third, knowledge has a significant influence on customer decision variables in using Islamic banking products. Fourth, the promotion has a significant influence on customer decision variables in using Islamic banking products. Fifth, religiosity does not affect, while facilities, knowledge, and promotions have a joint effect on customer decisions in using sharia banking products at BNI Syariah.

scholarly journals The Effect of Knowledge, Promotion, and Religiosity on Intention to Use Islamic Banking Services

2020 ◽  
Vol 11 (2) ◽  
pp. 128
Author(s):  
Kardoyo . ◽  
Ahmad Nurkhin ◽  
Muhsin . ◽  
Hasan Mukhibad ◽  
Fatmala Dewi Aprilia
Keyword(s):  
Significant Influence ◽  
Research Result ◽  
Educational Background ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Banking Services ◽  
The Public ◽  
Central Java ◽  
And Gender ◽  
Knowledge Promotion

This study aims to examine the effect of knowledge, promotion, and religiosity on the interest in using Islamic banking services. The purpose of the next research is to examine the effect of knowledge on religiosity. In addition, this study also examines the effect of educational background and age on saving interest in Islamic banks. The population in this study are customers of Bank Syariah Mandiri, Brebes, Central Java, Indonesia. Ninety-nine research samples were obtained. The data collection method used was questionnaires. The data analysis method used was SEM-PLS. The results showed that only promotion proved to have a positive and significant effect on interest in using the services of Islamic banks. Knowledge and religiosity have not been proven to have a significant effect on interest in using services of Islamic banks. Likewise, background and gender do not have a significant effect. The next research result is that there is a positive and significant influence of knowledge on religiosity; there is also a positive and significant influence on the promotion of knowledge. This study recommends the importance of continuing socialization and education from Islamic banking stakeholders in Indonesia to continue introducing Islamic banks to the public.

scholarly journals DAMPAK KUALITAS LAYANAN DAN NILAI NASABAH TERHADAP KEPUASAN NASABAH PERBANKAN SYARIAH

2019 ◽  
Vol 11 (1) ◽  
pp. 129
Author(s):  
Hamdani Hamdani
Keyword(s):  
Customer Satisfaction ◽  
Service Quality ◽  
Significant Influence ◽  
Customer Value ◽  
Quantitative Methods ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Primary Data ◽  
Islamic Banking ◽  
Qualitative And Quantitative Methods

Abstract: This research refers to studying service quality and customer value towards customer satisfaction in Islamic banking with a case study in PT Bank Syariah Mandiri Lhokseumawe Branch. The data used in this study are primary data through interviews using a questionnaire. The sample in this study was accidental sampling. The research method used is qualitative and quantitative methods, with multiple linear regression analysis. The results released by simultaneous shows, service quality and customer value have a positive and significant influence on customer satisfaction. While the results of the study indicate that, service quality has a positive and significant effect on customer satisfaction, the customer value also has a positive and significant influence on customer satisfaction. From the variable Quality of service and value of customers that are just the same as partial to customer satisfaction in Islamic banking. This research can be used as an evaluation and input for the management of a special sharia banking company, PT Bank Syariah Mandiri, Lhokseumawe Branch, to always improve service quality and value customers receive customers satisfied with services and benefits obtained or obtained by customers. Keywords: Service Quality, Customer Value, Customer Satisfaction

scholarly journals OPTIMIZATION OF B-SERIES PROPELLER DESIGN AS KCR 60 PROPULSOR TO ACHIEVE OPTIMAL PERFORMANCE USING MATHEMATICAL MODEL

JOURNAL ASRO ◽  
2019 ◽  
Vol 10 (3) ◽  
pp. 83
Author(s):  
Akhmat Nuryadin ◽  
Abdul Rahman ◽  
Cahyanto Cahyanto
Keyword(s):  
Objective Function ◽  
Area Ratio ◽  
Diameter Ratio ◽  
Decision Variable ◽  
Propeller Design ◽  
A Value ◽  
Decision Variables ◽  
Blade Area ◽  
Calculation Results ◽  
Constraint Variable

The process of designing a propeller as a ship propulsor is an important step to produce a propeller that has the ability to achieve the desired target speed of the ship. Propeller optimization is an effort to produce a propeller design with optimal capabilities. This propeller design uses a B-series propeller where this propeller is commonly used as ship propulsor. Optimization steps to find the optimal propeller, namely: determining the objective function, determining the decision variable, and determining the constraint variable. The objective function of this optimization is to determine the Advanced-optimal (J-opt) coefficient value for the propeller. The J-opt coefficient must have a value greater than the J-Design coefficient (J-d) value and the smallest possible value (minimization function). For decision variables include picth diameter ratio (P / D) and Blade area ratio (Ae / Ao) and number of leaves (Z). While the constraint variables are: the pitch diameter ratio value of the B-series propeller (0.5≤P/D≤1.4), the blade area ratio B-series (0.3≤Ae/Ao≤1, 05) as well as the number of blade (2≤Z≤7). From the calculation results of the optimization of the B-series propeller design for the KCR 60, the optimum value is different for each blade. the propeller with the number of blade 2 (Z = 2) obtained the optimum propeller with the value of J-opt =0.77098733, Ae/Ao=0.3, P/D=1.13162337, KT = 0.165632781, 10KQ=0, 27546033 and efficiency=0.73198988. Popeller with number of blades 3 (Z=3) obtained optimum propeller with J-opt value=0.77755594, Ae/Ao=0.3, P/D=1.06370107, KT=0.168069763, 10KQ=0.28984068 and efficiency=0.70590799. Propeller with number of blades 4 (Z=4) obtained optimum propeller with J-opt value=0.78478688, Ae/Ao=0.45954773, P/D=1.03798312, Kt=0.172147709, 10Kq= 0.3091063 and efficiency=0.67797119. Propeller with blades number 5(Z=5) obtained optimum propeller with J-opt value=0.78575616, Ae/Ao=0.65607164, P/D=1.02716571, KT=0.174099168, 10KQ=0.31376705 and efficiency=0.67547177. Propeller with blades number 6 (z=6) obtained optimum propeller with J-opt value=0.78867357, Ae/Ao=0.71124343, P/D=1.0185055, KT=0.176525247, 10KQ=0.32215257 and efficiency =0.66705719. Propeller with number of blades 7 (Z=7) obtained optimum propeller with J-opt value=0.7949898, Ae/Ao=0.69772623, P/D=1.01780081, KT=0.181054792, KQ=0.34011349 , and efficiency =0.64804328.Keywords : KCR, Optimization,Wageningen B-series.

scholarly journals INLUENCE OF RELIGIOSITY TOWARDS THE SAVING INTEREST AT ISLAMIC BANKING WITH THE KNOWLEDGE OF THE PEOPLE AS MODERATOR VARIABLE (Case Study on The People of South Tanggerang City)

IKONOMIKA ◽  
2018 ◽  
Vol 3 (1) ◽  
pp. 1
Author(s):  
Pudji Astuty ◽  
Umiyati Umiyati
Keyword(s):  
Regression Analysis ◽  
Linear Regression ◽  
Multiple Linear Regression ◽  
Significant Influence ◽  
Islamic Banking ◽  
Moderator Variable ◽  
The People ◽  
Convenience Sampling ◽  
Interaction Test

The purpose of this study is to analyze the influence of religiosity on the saving interest at Islamic Banking with the knowledge of the people as the moderator variable. This study was held at Tanggerang Selatan. The methods that is used to gather samples for this study is non-probability sampling and with the technique convenience sampling. The respondents in this study are the people of South Tanggerang City who saves their money at Islamic Banking, there are 100 respondents in total. The data gathered through questionnaire as the methods of survey. The data that are gathered then processed using multiple linear regression with interaction test (moderated regression analysis). The result of this study shows that there is significant influence between religiosity and the saving interest at Islamic Banking. the knowledge of the people and the saving interest at Islamic Banking also shows significant influence. The interaction between religiosity and knowledge as the moderator variable giving significant influence on the saving interest at Islamic Banking at the rate of significance bellow 0.05 or 5%.

Qualitative simulation of organization quality specific immune decision-making of manufacturing enterprises based on QSIM algorithm simulation

2021 ◽  
pp. 1-18
Author(s):  
Qiang Liu ◽  
Xiaoli Qu ◽  
Danyu Zhao ◽  
Yu Guo
Keyword(s):  
Decision Making ◽  
Simulation Method ◽  
Engineering Management ◽  
Decision Variable ◽  
Science And Engineering ◽  
Qualitative Simulation ◽  
Manufacturing Enterprises ◽  
Decision Variables ◽  
Organization Quality ◽  
Simulation Results

Quality is the core of the enterprise, strengthening organization quality specific immune is the key channel. Organization quality specific immune belongs to science and engineering management field, QSIM qualitative simulation method that refer to computational simulation algorithm is widely used in the science and engineering management field, QSIM qualitative simulation method can solve science and engineering management issues effectively. In this study, qualitative simulation QSIM theory is used to analyze and reason the organization quality specific immune decision of manufacturing enterprises. Combined with the pressure-state-response framework, the management mechanism of organization quality specific immune is analyzed according to state variables, decision variables, system variables and environment variables, and further the qualitative simulation rules for organization quality specific immune decision-making are set according to the causal relationships among variables of organization quality specific immune. This study sets organization quality monitor, organization quality defense and organization quality memory as the decision variables, uses QSIM algorithm for simulating organization quality specific immune decision-making reasoning, compares with the influences of single decision variable and multi-decision variables on organization quality specific immune system through simulation results. Simulation results indicate that QSIM algorithm simulation can be used to simulate and reason organization quality specific immune decision-making in order to help manufacturing enterprises reasonably enhance organization quality specific immune performance and quality performance through three decision variables of organization quality monitor, organization quality defense and organization quality memory. The simulation results will provide new revelation for organization quality specific immune decision-making of manufacturing enterprises.

scholarly journals Harvest scheduling with spatial aggregation for two and three strip cut system under shelterwood management

2011 ◽  
Vol 57 (No. 6) ◽  
pp. 271-277 ◽  
Author(s):  
M. Konoshima ◽  
R. Marušák ◽  
A. Yoshimoto
Keyword(s):  
Spatial Aggregation ◽  
Decision Variable ◽  
Scheduling Problem ◽  
Harvest Scheduling ◽  
Aggregation Method ◽  
Management Units ◽  
Decision Variables ◽  
Optimal Harvest ◽  
Cutting System ◽  
Sequential Cuts

We propose a spatial aggregation method to solve an optimal harvest scheduling problem for strip shelterwood management. Strip shelterwood management involves either a two-cut system with a preparatory-removal cut cycle, or a three-cut system with a preparatory-establishment-removal cut cycle. In this study we consider these connected sequential cuts as one decision variable, then employ conventional adjacency constraints to seek the best combination of sequential cuts over space and time. Conventional adjacency constraints exclude any spatially-overlapped strips in the decision variables. Our results show the proposed approach can be used to analyze a strip shelterwood cutting system that requires "connectivity" of management units.

scholarly journals Routing for Hazardous Materials Transportation in Urban Areas

Symmetry ◽  
2019 ◽  
Vol 11 (9) ◽  
pp. 1091 ◽  
Author(s):  
Zhang ◽  
Feng ◽  
Yang ◽  
Ding
Keyword(s):  
Urban Areas ◽  
Optimal Solution ◽  
Hazardous Materials ◽  
Work Load ◽  
Decision Variable ◽  
Daily Production ◽  
Hazardous Materials Transportation ◽  
Decision Variables ◽  
Hazmat Transportation ◽  
Local Risk

Hazardous materials (HAZMAT) are important for daily production in cities, which usually have a high population. To avoid the threat to public safety and security, the routes for HAZMAT transportation should be planned legitimately by mitigating the maximum risk to population centers. For the objective of min-max local risk in urban areas, this study has newly proposed an optimization model where the service of a link for HAZMAT transportation was taken as the key decision variable. Correspondingly, the symmetric problem of min-max optimization takes significant meanings. Moreover, in consideration of the work load of solving the model under a lot of decision variables, a heuristic algorithm was developed to obtain an optimal solution. Thereafter, a case study was made to test the proposed model and algorithm, and the results were compared with those generated by deterministic solving approaches. In addition, this research is able to be an effective reference for authorities on the management of HAZMAT transportation in urban areas.

Direct Solution of Fuzzy Project Crashing Problem with Fuzzy Decision Variables using Tabu Search and Simulated Annealing Algorithms

2017 ◽  
Vol 6 (1) ◽  
pp. 17-35 ◽  
Author(s):  
Tolunay Göçken
Keyword(s):  
Simulated Annealing ◽  
Tabu Search ◽  
Normal Activity ◽  
Transformation Process ◽  
Decision Variable ◽  
Fuzzy Decision ◽  
Project Duration ◽  
Decision Variables ◽  
Important Field ◽  
Annealing Algorithms

Project management is a very important field employed for scheduling activities and monitoring the progress, in competitive and fluctuating environments. Project crashing analysis is concerned with shortening the project duration time by accelerating some of its activities at an additional cost. In reality, because of uncertain environment conditions there can be ambiguity in the parameters of the problem. The uncertainty in the parameters can be modeled via fuzzy set theory. Using fuzzy models give the chance of better project scheduling with more stability under uncertain environmental factors. In this study, a fuzzy project crashing problem with fuzzy decision variable - occurrence time of events - and fuzzy normal activity duration times is handled. The fuzzy project crashing problem is solved without any transformation process by employing a fuzzy ranking method and the tabu search and simulated annealing algorithms.

scholarly journals PENGARUH NON PERFORMING FINANCING DAN PERSENTASE BAGI HASIL TERHADAP PEMBIAYAAN MUSYARAKAH PADA PT BANK SYARIAH MANDIRI

2019 ◽  
Vol 1 (1) ◽  
pp. 77-88
Author(s):  
Nora Ulfa ◽  
Ismaulina Ismaulina ◽  
Fathul Liza
Keyword(s):  
Significant Influence ◽  
Statistical Tests ◽  
Research Question ◽  
Profit Sharing ◽  
Positive Influence ◽  
Statistical Test ◽  
Financial Statement ◽  
Islamic Banking ◽  
Test Results ◽  
Production Sharing

Non Performing Financing (NPF) and Percentage of Profit Sharing (PBH) indirectly influence the distribution of Musyarakah financing to Islamic banking. NPF occurs because the customer is unable to pay installments from the musyarakah financing that he has received, the inability of the customer to pay monthly installments is due to the percentage of profit sharing that is too high. The phenomenon that has been happening to PT Bank Syariah Mandiri, namely the distribution of funding did not increase significantly due to an increase in NPF. Based on these thoughts, in this study a research question was taken to find out what factors would influence the distribution of funding to PT Bank Syariah Mandiri. Based on this phenomenon, the distribution of Musyarakah Financing to PT Bank Syariah Mandiri can be seen from the percentage of revenue sharing that has increased significantly, while the NPF and Financing have an interrelated relationship. It can be seen from the Financing data from 2012 to 2014 that the increase in financing was very small due to the increasing value of the NPF. The research method used is a quantitative method in which financial statement data taken through the official website www.syariah.mandiri.co.id will be processed through SPSS data. The results of the study are: The development of NPF of Syariah Mandiri Bank during 2012-2014 has fluctuated, where the percentage of NPF sometimes goes up and sometimes goes down, the results of statistical tests show Non Performing Financing (NPF) has a positive and significant influence on the distribution of Musyarakah Financing to Bank Syariah Mandiri. Because the significance value is smaller than 0.05. This indicates an increase and decrease in the amount of Musyarakah financing disbursed is strongly influenced by the NPF. The development of Bank Syariah Mandiri's Production Sharing Percentage (PBH) during 2012-2014 sometimes increased and sometimes decreased, the statistical test results showed that the Production Sharing Percentage (PBH) had a positive influence and had a significant influence on the distribution of Musyarakah Financing to Bank Syariah Mandiri. Because the significance value is smaller than 0.05. Keyword : Non Performing Financing,  Share of Percentage, Musyarakah Financing.   Abstrak Non Performing Financing (NPF) dan Persentase Bagi Hasil (PBH) secara tidak langsung mempengaruhi distribusi pembiayaan Musyarakah ke perbankan syariah. NPF terjadi karena pelanggan tidak mampu membayar cicilan dari pembiayaan musyarakah yang telah ia terima, ketidakmampuan pelanggan untuk membayar cicilan bulanan disebabkan oleh persentase pembagian keuntungan yang terlalu tinggi. Fenomena yang telah terjadi pada PT Bank Syariah Mandiri, yaitu penyaluran dana tidak meningkat secara signifikan karena adanya peningkatan NPF. Berdasarkan pemikiran ini, dalam penelitian ini pertanyaan penelitian diambil untuk mengetahui faktor-faktor apa yang akan mempengaruhi distribusi dana ke PT Bank Syariah Mandiri. Berdasarkan fenomena ini, distribusi Pembiayaan Musyarakah ke PT Bank Syariah Mandiri dapat dilihat dari persentase bagi hasil yang meningkat secara signifikan, sedangkan NPF dan Pembiayaan memiliki hubungan yang saling terkait. Dapat dilihat dari data Pembiayaan 2012-2014 bahwa peningkatan pembiayaan sangat kecil karena meningkatnya nilai NPF. Metode penelitian yang digunakan adalah metode kuantitatif dimana data laporan keuangan yang diambil melalui situs resmi www.syariah.mandiri.co.id akan diproses melalui data SPSS. Hasil dari penelitian ini adalah: Perkembangan NPF Bank Syariah Mandiri selama 2012-2014 mengalami fluktuasi, dimana persentase NPF terkadang naik dan terkadang turun, hasil uji statistik menunjukkan Non Performing Financing (NPF) memiliki hasil positif. dan pengaruh yang signifikan terhadap distribusi Pembiayaan Musyarakah ke Bank Syariah Mandiri. Karena nilai signifikansi lebih kecil dari 0,05. Ini menunjukkan peningkatan dan penurunan jumlah pembiayaan Musyarakah yang disalurkan sangat dipengaruhi oleh NPF. Perkembangan Persentase Bagi Hasil (PBH) Bank Syariah Mandiri selama 2012-2014 terkadang meningkat dan terkadang menurun, hasil uji statistik menunjukkan bahwa Persentase Bagi Hasil (PBH) berpengaruh positif dan berpengaruh signifikan terhadap penyaluran Pembiayaan Musyarakah. ke Bank Syariah Mandiri. Karena nilai signifikansi lebih kecil dari 0,05. Kata kunci: Non Performing Financing, Persentase Bagi Hasil, Pembiayaan Musharakah.

scholarly journals Strategy-dependent effects of working-memory limitations on human perceptual decision-making

2021 ◽  
Author(s):  
Kyra Schapiro ◽  
Kresimir Josic ◽  
Zachary Kilpatrick ◽  
Joshua I Gold
Keyword(s):  
Decision Making ◽  
Working Memory ◽  
Decision Variable ◽  
Perceptual Decision Making ◽  
Perceptual Decision ◽  
Human Psychophysics ◽  
Decision Variables ◽  
The Impact ◽  
The Brain ◽  
Over Time

Deliberative decisions based on an accumulation of evidence over time depend on working memory, and working memory has limitations, but how these limitations affect deliberative decision-making is not understood. We used human psychophysics to assess the impact of working-memory limitations on the fidelity of a continuous decision variable. Participants decided the average location of multiple visual targets. This computed, continuous decision variable degraded with time and capacity in a manner that depended critically on the strategy used to form the decision variable. This dependence reflected whether the decision variable was computed either: 1) immediately upon observing the evidence, and thus stored as a single value in memory; or 2) at the time of the report, and thus stored as multiple values in memory. These results provide important constraints on how the brain computes and maintains temporally dynamic decision variables.

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