scholarly journals DAMPAK PEMBIAYAAN MURABAHAH TERHADAP LABA PT BANK BNI SYARIAH (PERSERO) TBK. KANTOR CABANG MAKASSAR

Author(s):  
Muhlis Muhlis ◽  
Hardiyanti Ade Ahsana

The presence of murabahah financing service facilities at PT Bank BNI Syariah is expected to internally maximize profits for the company. For this reason, this research aims to provide empirical evidence regarding the impact of murabahah financing on profits at PT Bank BNI Syariah (Persero) Tbk. Makassar Branch Office, using 2014-2016 financial report data. The methodology uses quantitative descriptive analysis through linear regression and hypothesis testing. Research results show that murabahah financing has a positive and significant impact on profits at PT Bank BNI Syariah (Persero) Tbk. Makassar Branch Office. Hypothesis testing obtained a significant level below 5%. So that murabahah financing has a positive and significant impact on company profits. The results of the simple regression analysis showed that the model Y = -2267.044 + 0.551X. A constant value of -2267.044 means that if there is no murabahah financing, profit (Y) will decrease by -2267.044 and if the independent variable, namely murabahah financing (X) increases by one unit, the dependent variable, namely profit (Y), increases by 0.551.

2017 ◽  
Vol 1 (1) ◽  
pp. 59-67
Author(s):  
Saparuddin Saparuddin ◽  
Markas Iskandar

Penelitian ini dianalisis dengan analisis deskriptif kualitatif yang bertujuan memberikan gambaran tentang bagaimana impelementasi kompetensi sosial guru terhadap motivasi belajar siswa Smp Negeri 3 Bungin Kec. Bungin Kab. Enrekang. Teknik pengumpulan data dalam penelitian ini adalah Observasi, wawancara dan Angket. Tekhnik Analisis data menggunakan analisis deskriptif kuantitatif Dalam penelitian ini terdapat dua variabel yang akan diteliti yaitu: Variabel bebas yaitu kompetensi sosial guru dan Variabel terikat yaitu motivasi belajar siswa. Jumlah sampel ialah 22 orang dari 220 populasi. Teknik pengumpulan data dalam penelitian ini adalah Observasi, wawancara dan Angket. kompetensi sosial guru merupakan seperangkat penguasaan, pengetahuan dan kemampuan yang harus dimiliki guru agar dapat melaksanakan tugas-tugas pokok sebagai seorang guru dan  bertanggungjawab dalam mendidik. Cara meningkatkan motivasi belajar siswa antara lain Pemberian Nilai pemberian ulangan dan kerja kelompok. Melihat implementasi kompetensi sosial guru untuk meningkatkan  motivasi belajar siswa sudah berhasilan dalam bidang pendidikan, guru diharapkan mampu  menjadi pigur dalam memajukan  lembaga pendidikan agar siswa termotivasi untuk melakukan perubaha-perubahan dalam memajukan lembaganya pendidikan kedepannya.Kata Kunci: Kompetensi Sosial, Guru,  Motivasi Belajar SiswaABSTRACTThis study was analyzed with descriptive qualitative is purpose which to give an overview of how the implementation the social competence of teachers to students' motivation Smp Negeri 3 Bungin Kec. Bungin Kab. Enrekang. The collection techniques in this study is observation, interview and questionnaire. Inquiry analysis technique used quantitative descriptive analysis In this research there are two variables that will be studied are: The independent variable is the social competence of teachers and the dependent variable is the students' motivation. The number of samples was 22 people from to 220 population. The Inquiry collection techniques in this study is observation, interview and questionnaire. social competence of teachers is a set of mastery, knowledge and abilities that should be owned by teachers in order to carry out basic tasks as a teacher and in charge of educating. How to improve students' motivation, among others Grading Award replicates and group work. See the implementation of the social competence of teachers to improve students' motivation has been success in the field of education, teachers are expected to be pigur in advancing educational institutions so that students are motivated to do perubaha-change in advancing the educational institutions in the future.Keywords: Social Competence, Teacher, Student Motivation


2019 ◽  
Vol 6 (4) ◽  
pp. 360
Author(s):  
Febrina Ramadhani ◽  
Indah Nurmayasari ◽  
Fembriarti Erry Prasmatiwi

This research aims to analyze the rate of household food availability, the rate of farmers’ participation, factors related to farmers’ participation rate, and the impact of the participation on the food availability. The research is a survey conducted in Ambarawa Subdistrict, Pringsewu District, as Ambarawa is an area that has many active food barns. Thirty food barn institutions were chosen randomly, and from each barn  two farmers were chosen randomly as respondents.  Research data is collected in September – November 2016 and analyzed by quantitative descriptive analysis method. The results showed that the rate of household food availability was 3,392.97 kkal/cap/day or equivalent to 2,135.58 kg of dried unhulled rice annually. The rate of farmers’ participation was included in a medium category. Age, membership time in barns, rice production, income, membership in farmer groups were not significantly related to farmers’ participation rate. Farmers’ participation did not have significant impact on food availability of farmer households. Key words: barns, farmer household, food availability, participation


OENO One ◽  
2009 ◽  
Vol 43 (4) ◽  
pp. 199
Author(s):  
Marie A. Segurel ◽  
Raymond L. Baumes ◽  
Christine Riou ◽  
Alain Razungles

<p style="text-align: justify;"><strong>Aims</strong>: The aim of this study was to demonstrate the impact of the volatile compounds, arising from glycosidic precursors contained in the berries of Vitis vinifera L.cv Syrah and Grenache noir varieties, on wine aromas from these varieties.</p><p style="text-align: justify;"><strong>Methods and results</strong>: The sensory analysis was used to compare Grenache noir and Syrah wines. The role played by the glycosidic precursors on the future odorant profile of the wines from both varieties was demonstrated in an experiment by increasing their natural content in glycosides. Then, odorant compounds were generated by aging treatments, heating at 45 °C for 3 weeks, preceded or not by enzyme addition, or natural aging for 18 months. The wines were then submitted to a selected and trained panel. Samples were compared using triangular test. Furthermore, a quantitative descriptive analysis was carried out to determine the aroma attributes describing and discriminating the wines from the two varieties.</p><p style="text-align: justify;"><strong>Conclusion</strong>: The glycoconjugates increased the global aromatic complexity, and enhanced the fruity aromas in Grenache wines and the leather or olive aromas in Syrah wines. The use of glycosidase enzymes led to a stewed fruit character in Grenache wines, whereas in Syrah wines, the samples enriched with glycosides differed according to the « terroir ».</p><p style="text-align: justify;"><strong>Significance and impact of study</strong>: This study showed the impact of the glycosidic fraction of the grapes on the varietal aroma of wines. Furthermore, comparisons of the results obtained by both aging techniques highlight the experimental interest of the aging model but also its limits.</p>


2018 ◽  
Author(s):  
dendysuseno ◽  
Prahastiwi Utari ◽  
Sri Hastjarjo

AbstractThis study aims to determine the effect of news in online media on the thoughts and behavior of a person, because the impact is very strong in shaping public opinion. This study uses communication theory, mass communication, news construction, netizen response, online media. The research method used quantitative descriptive analysis with online data collection techniques. Conclusion of research (1) News construction have positive effect to reporting hoax in online media, meaning that news construction which is loaded and created by online media will influence hoax news dissemination. (2) The netizen response positively affects the news of hoaxes in the online media, meaning more and more netizens respond to hoax news, hoax news will be wider and wilder. (3) News construction and netizen responses have a positive and significant influence on hoax news in media online, meaning that these two variables give a significant influence in the preaching of hoax in online media.


2018 ◽  
Vol 9 (05) ◽  
pp. 20771-20777
Author(s):  
Gek Ayu Hendrastuti ◽  
Anak Agung Putu Agung ◽  
I Nengah Sudja

This research aims to identify and analyze the influence of emotional intelligence and spiritual intelligence against professionalism and teacher’s performance at SMK Saraswati 1 Denpasar.  This research uses 42 people of sample which selected pursuant to of stratified simple random method. Research variable consist of emotional intelligence, and spiritual intelligence as independent variable, and also professionalism and  teachers’s performance as dependent variable. The method of analysis used validity and reliability test, quantitative descriptive analysis method and PLS. Result of this research, showed that emotional intelligence and spiritual intelligence has a significant effect on professionalism and the teacher performance of SMK Saraswati 1 Denpasar. Besides that, emotional intelligence and spiritual intelligence gives more dominantly influence on teacher performance of SMK Saraswati 1 Denpasar. So, it can be concluded that emotional intelligence and spiritual intelligence partially or simultaneously impact on teacher performance of SMK Saraswati 1 Denpasarand spiritual intelligence gives more dominantly influence on the teacher performance.


Author(s):  
Muh Imaduddin Akbar ◽  
Muhammaf Ghafur Wibowo

AbstractThis study aims to investigate the effectiveness of macroprudential policies in mitigating the systemic risk in Indonesia. The study uses quantitative descriptive analysis with the Vector Error Correction Model (VECM) and emphasizes on the impact of two macroprudential instruments applied in Indonesia; Macroprudential Liquidity Buffer (MLB) and Countercyclical Capital Buffer (CCyB) to credit growth for conventional and financing growth for Sharia bank. This study employes monthly data over the periods M12010-M102019 that obtained from Bank Indonesia’s (BI) website (www.bi.go.di) and the data published monthly by Financial Service Authority (OJK); Indonesia Bank Statistic and Sharia Bank Statistic.The result indicates that MLB has a positive impact on credit growth and negative effect financing for Sharia Bank. Otherwise, CCyB shows the opposite results, where it has a negative effect on credit growth, while in the Sharia bank, CCyB has a positive effect. Therefore, it is sufficient to conclude that MLB has a capability to curb the systemic risk for Sharia bank, whereas CCyB is effective for conventional bank.


2014 ◽  
Vol 18 (1) ◽  
pp. 31-44
Author(s):  
Hilarion Hamjen

This research was conducted in the city of Palangkaraya in Central Borneo and city of Banjarbaru in South Borneo in order to describe the perception of public, especially in the city of Palangkaraya and the city of Banjarbaru about the Impact of to-up mobile credit's by ATM to the SMEs mobile credit seller. The research was conducted by survey method and quantitative approach, while the sampling technique used was quota sampling and quantitative descriptive analysis performed. The results showed the less Impact of top-up by ATM to the SMEs credits seller, because top-up by ATM have certain customer segment. However, the top-up by ATM economically very positive impact for the people, eventhough its needs long time transistion of top-up SMEs to the ATM. According to the most people and SMEs need regulation and oversight to create more conductive business for SMEs Keywords : Impact, SMEs, Mobile top-up, Top Up Credit, ATM   ABSTRAK Penelitian ini dilakukan di kota Palangkaraya Kalimantan Tengah dan kota Banjarbaru Kalimantan Selatan dengan tujuan untuk menggambarkan persepsi masyarakat khususnya di kota Palangkaraya dan kota Banjarbaru tentang dampak isi ulang pulsa di ATM terhadap UMKM penjual pulsa seluler. Penelitian dilakukan dengan metode survey dan pendekatan kuantitatif sementara teknik sampling yang digunakan adalah quota sampling dan analisa dilakukan secara deskriftif kuantitatif. Hasil penelitian menunjukkan bahwa isi ulang pulsa seluler di persepsikan kurang berdampak terhadap UMKM penjual pulsa seluler dikarenakan isi ulang pulsa di ATM maupun isi ulang pulsa di kios pulsa memiliki segmen pelanggannya masing-masing. Namun demikian dengan adanya isi ulang pulsa di ATM sangat berdampak positif secara ekonomi bagi masyarakat meskipun peralihannya dari kios pulsa ke ATM atau pola pembelian pulsa berlangsung dalam waktu yang lama. Menurut sebagian besar masyarakat dan pelaku UMKM penjual pulsa seluler bahwa perlu pengawasan dari pemerintah untuk menciptakan iklim usaha yang lebih kondusif bagi UMKM penjual pulsa seluler. Kata Kunci: Dampak, UMKM, Penjual Pulsa, isi ulang pulsa, ATM


2019 ◽  
Vol 13 (1) ◽  
pp. 86-100
Author(s):  
Sukandi Andi ◽  
Tito Irwanto ◽  
Meiffa Herfianti

Abstract: The objective of this research is to Implementation of the good corporate governance (GCG) principles in addition to improving bank competitiveness itself, also provide more protection to the community. The implementation of the good corporate governance (GCG) principles becomes a trust given the banking industry that manages public funds (customers). The objective of this research is to know the analysis implementation of good corporate governance (GCG) principles in PT. Bank Mandiri (Persero) Tbk. Branch of Bengkulu. The object of this research is permanent employee of PT. Bank Mandiri (Persero) Tbk Branch Office of Bengkulu which amounted to 67 people, with sampling method that is total sampling. The sources of data in this study through questionnaires. The data analysis technique used quantitative descriptive analysis with mean method and frequency distribution table. The results of this study research that, implemtasi good corporate governance (GCG) principles at PT. Bank Mandiri (Persero) Tbk. Branch of Bengkulu has been running well with the average value of the statement 3.77 (good). Furthermore, the implementation principles of transparency, accountability, responsibility, independence and fairness have gone well with the average value each statement of 3.71 (good), 3.86 (good), 3.76 (good), 3.67 (good), 3.86 (good).Keyword: governance, bank, competitiveness.


2020 ◽  
Vol 9 (3) ◽  
pp. 792
Author(s):  
Mohammed Yaser Al-Hnaity ◽  
Qasem Jamil Al-Thubetat

The study aims at exploring the degree of parliament’s follow-up to social media; to identify the degree of social media coverage of the topics needed by the MPs (Members of Parliament) in the Parliament of Jordan; to explain the degree of the impact of social media on the legislative and regulatory role of the MPs;  and to measure the degree of the impact of social media on the interaction and communication of MPs with citizens. The study was carried out on the methodology of quantitative descriptive analysis. A questionnaire was developed as a major tool for collecting data. The researcher adopted the cluster (purposeful) sample consisting of (75) MPs who constitute (58%) of The total size of the study population. A statistical analysis program (SPSS) was used to analyze and process data. The study concluded that the topics needed by MPs in the Jordanian Parliament are covered highly by social media; the impact of social media on the legislative and oversight role of the MPs scored a moderate degree; and that the impact of social media toward the interaction and communication of MPs with citizens scored a high degree. In the light of the study`s results, it is recommended holding training workshops for members of the House of Representatives about how to deal with social media and electronic media, and to improve the communication and interaction with citizens.


Arsitektura ◽  
2017 ◽  
Vol 13 (2) ◽  
Author(s):  
Yuliana Mulyaning Pangastuti ◽  
Kuswanto Nurhadi ◽  
Isti Andini

<p><em>The development of manual loom industry at Cawas Sub-District of influence on the development of economic means. The emergence of new economic means causes the difference of characters in each center industry which would also affect the spatial characteristics of the economic means. The problem in this research is how the impact of the development of  manual loom  industry center characteristics at Cawas Sub-District on the spatial characteristics of the economic means. The analysis method used in this research is to conduct field observations, interviews or distributing questionnaires and analyzes the quantitative descriptive analysis</em>. <em>From the overall analysis we concluded that the characteristics of the </em><em>nabual loom industry center</em><em> and spatial characteristics of the econom</em><em>ic</em><em> means growing every year resulting in increasingly broad range of services reaches beyond Java and abroad</em><em>.</em><em></em></p><p><em> </em></p><p><strong><em>Keywords:</em></strong><em>e</em><em>conomic </em><em>m</em><em>eans, </em><em>i</em><em>mpact, </em><em>m</em><em>anual </em><em>l</em><em>oom </em><em>i</em><em>ndustry </em><em>c</em><em>enter</em><em></em></p>


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