scholarly journals Pengaruh Pembiayaan Mudharabah, Musyarakah, dan Murabahah Terhadap Profitabilitas Bank Umum Syariah Periode 2015-2019

EL-Ghiroh ◽  
2020 ◽  
Vol 18 (2) ◽  
pp. 209-233
Author(s):  
Nevi Laila Khasanah ◽  
Taufik Mukmin
Keyword(s):  
Commercial Banks ◽  
Research Method ◽  
Quantitative Research ◽  
Profit Sharing ◽  
Islamic Banks ◽  
Financing System ◽  
Quantitative Research Methods ◽  
Regression Test ◽  
The Relationship

The purpose of this study was to determine whether Mudharabah, Musyarakah, and Murabahah financing affected the profitability of Islamic Commercial Banks in Indonesia for the 2015-2019 period. This type of research is quantitative research. Quantitative research is to explain the position of the variables studied as well as the relationship between one variable with another variable. The research method used in this study uses descriptive quantitative research methods using multiple linear regression test. The quantitative method in this study was to examine the influence of Mudharabah, Musyarakah, and Murabahah financing on the profitability of Islamic Commercial Banks in 2015-2019. Based on the analysis and discussion of data described in the previous chapter on the effect of mudharabah, musyarakah, and murabahah financing on profitability (ROA) of Islamic banks, it can be concluded that the variables of mudharabah financing, musyarakah financing and murobahah financing significantly influence profitability (ROA). This is evidenced by the results of the t test where the significance value of the variable mudharabah financing (0.023), musyarakah financing (0.037) and murobahah financing (0.008) are more than 0.05. The profit sharing system will facilitate customers and the financing system is quite consumptive so that it can contribute to profit levels, which causes profitability to rise.

Financing Relations Of MSME And Non-MSMEs, Number Of Syariah Bank Offices To Gross Regional Domestic Product

2021 ◽  
Vol 3 (1) ◽  
pp. 1-20
Author(s):  
Darma Taujiharrahman ◽  
Rahman El-Junusi ◽  
Zuhdan Ady Fataron
Keyword(s):  
Research Method ◽  
Quantitative Research ◽  
Domestic Product ◽  
Islamic Banks ◽  
Quantitative Research Methods ◽  
The Public ◽  
Central Java ◽  
Ex Post ◽  
Ex Post Facto ◽  
Central Java Province

AbstractPurpose - This study aims to analyse the relations of financing of MSME, non-MSMEs and the number of offices on Gross Regional Domestic Product of Central Java Province during 2014-2019.Method - This research is using The comparative causal research method which one of the ex post-facto quantitative research methods carried out by looking at the causal relationship between one change and another based on existing data.Result - The result of this research indicates that the financing of MSME and non-MSMEs had positive and significant effect on Gross Regional Domestic Product of Central Java Province during 2014-2019 and the number of offices had negative non-significant effect on Gross Regional Domestic Product of Central Java Province during 2014-2019.Implication - This study uses the data from Islamic bank in Central of Java and the Gross Regional Domestic Product of Central Java.Originality- The paper looks into the relations of the financial inclusion that provided by Islamic banks to the public in order to support the creation of economic growth in Central Java. The number of offices discribed the access to Islamic banks and the financing of MSME and non-MSMEs discribed the usage of Islamic banks in Central Java. 

scholarly journals Analisis Pengaruh NPF, FDR, BOPO, CAR, dan GCG terhadap Kinerja Keuangan Bank Umum Syariah di Indonesia Periode 2013-2017

2018 ◽  
Vol 6 (1) ◽  
pp. 94
Author(s):  
Rima Cahya Suwarno ◽  
Ahmad Mifdlol Muthohar
Keyword(s):  
Financial Performance ◽  
Commercial Bank ◽  
Commercial Banks ◽  
Research Method ◽  
Quantitative Research ◽  
Total Sample ◽  
Content Analysis Method ◽  
Regression Test ◽  
Negative Effect ◽  
Positive Effect

This study aims to determine the Influence of NPF, FDR, BOPO, CAR, and GCG on Financial Performance of Sharia Commercial Banks in Indonesia Period 2013-2017. This research use quantitative research method with population in this research is all sharia commercial bank in Indonesia period 2013-2017. The total sample is eight of sharia commercial banks, based on purposive sampling method. Data collection is done by library method from journals, articles or literatures that related to required data, and documentation method of annual report and GCG implementation report of sharia public bank in question as well as data from OJK website. The research method used is statistical descriptive test, descriptive test by analyzing GCG through GCG implementation report using content analysis method, classical assumption test, multiple regression test. The results showed that simultaneously NPF, FDR, BOPO, CAR, and GCG variables significantly influence the Financial Performance of Sharia Commercial Banks in Indonesia Period 2013-2017. While the partial variable of NPF has positive effect not significant to ROA, FDR variable has positive effect not significant to ROA, BOPO variable has significant negative effect to ROA, CAR variable has positive effect not significant, and GCG variable has positive effect not significant to ROA of Sharia Commercial Bank in Indonesia 2013-2017 period.

Hubungan Intercultural Sensitivity Dengan Efektivitas Komunikasi Dalam Mencegah Bullying di SMA Taruna Nusantara Magelang

2020 ◽  
Vol 8 (2) ◽  
pp. 42-49
Author(s):  
Apsari Wahyu Kurnianti ◽  
Ascharisa Mettasatya Afrilia
Keyword(s):  
High School ◽  
Communication Skills ◽  
Research Method ◽  
Quantitative Research ◽  
Intercultural Sensitivity ◽  
Effective Communication ◽  
Communication Effectiveness ◽  
Quantitative Research Methods ◽  
Correlational Research ◽  
The Relationship

The interaction of each student both in the classroom and in the Taruna Nusantara High School (TN-SMA) dormitory with an Indonesian multicultural background can lead to conflict. One form of conflict is bullying. Bulliying should be avoided if students have effective communication skills. However, before achieving effective communication, it must be known first the level of intercultural sensitivity which is a condition where a person is able to accept the cultural differences that are around him. The purpose of this study was to measure the relationship between the level of intercultural sensitivity and the effectiveness of communication between SMA and TN students. The research method uses quantitative research methods. The correlational research design measures the relationship between intercultural sensitivity and the communication effectiveness of Magelang High School TN students. Data from the research results indicate that there is a relationship between the level of intercultural sensitivity and the effectiveness of communication.

scholarly journals Analysis of Banking Performance in The Aftermath of The Merger of Bank Syariah Indonesia in Covid 19

2021 ◽  
Vol 2 (2) ◽  
pp. 472-478
Author(s):  
Mohammad Yusuf ◽  
Reza Nurul Ichsan
Keyword(s):  
Financial Performance ◽  
Commercial Banks ◽  
Research Method ◽  
Quantitative Research ◽  
Journal Article ◽  
Test Results ◽  
Content Analysis Method ◽  
Regression Test ◽  
Negative Effect ◽  
Positive Effect

This study aims to determine sharia banking performance after the merger of Sharia Banks and Covid 19 pendemi by looking at the influence of NPF, FDR, BOPO, and CAR financial performance of Sharia Commercial Banks in the Period 2011-2020. This research uses quantitative research method with population in this research is all sharia commercial banks in Indonesia period 2011-2020. Data collection is done by library method from journal, article, or literature related to the required data, and documentation method of sharia commercial bank implementation report in question as well as data from OJK website. The research method used is a statistical descriptive test, descriptive test by analyzing ROA through ROA implementation report using content analysis method, classic assumption test, some regression test. Results show that the variables NPF, FDR, BOPO, and CAR are simultaneously financial performance of Sharia Commercial Banks in Indonesia in the period 2011-2020. Simultaneously, the variables of NPF, FDR, BOPO and CAR have a significant impact on the financial performance (ROA) of sharia commercial banks in Indonesia in the period 2011-2020. Based on the amount adjusted R2 is 0.979 which means that 97.9% of financial performance (ROA) of sharia commercial banks is influenced by independent variables, while 02.1% is influenced by other factors outside the research. Car partially had an insignificant positive effect on the financial performance (ROA) of sharia commercial banks in Indonesia in the period 2011-2020. Partially, NPF has an insignificant positive effect on the financial performance (ROA) of sharia commercial banks in Indonesia in the period 2011-2020. Partially BOPO has a significant negative effect on the financial performance (ROA) of sharia commercial banks in Indonesia in the period 2011-2020. Partially, FDR has an insignificant positive effect on the financial performance (ROA) of sharia commercial banks in Indonesia in the period 2011-2020.

scholarly journals Sikap Toleransi Antaretnis

2019 ◽  
Vol 7 (2) ◽  
pp. 105-111
Author(s):  
Erika Feri Susanto ◽  
Anisia Kumala
Keyword(s):  
Research Method ◽  
Quantitative Research ◽  
Religious Diversity ◽  
Pearson Correlation ◽  
Sampling Technique ◽  
P Value ◽  
Tolerance Index ◽  
Quantitative Research Methods ◽  
The Individual ◽  
The Relationship

AbstractIndonesia is a country with diverse ethnic, ethnic and religious diversity, making Indonesia a multicultural country. This study aims to explore the relationship between the basic values of individuals with the attitude of interethnic tolerance in Indonesia. Individual basic values are defined as values that represent a person both in behavior and in acting. While tolerance can be interpreted as an attitude of mutual respect and mutual harmony in a difference between ethnicity, ethnicity and religion. The scale used in this study is the Portrait Values Questionnaire (PVQ) as a measure of individual basic values and The Tolerance Index (TI) as a measure of tolerance. This research method uses quantitative research methods. The sampling technique used was accidental sampling with respondents consisting of 79 people consisting of men and women aged 18-40 years. The results of this study indicate that there is a significant relationship between the variables of the basic value of individuals with an attitude of tolerance with a P-Value of 0.031 (P <0.05) with a Pearson Correlation value of 0.244 which indicates a significant positive relationship between the basic values of individuals with an attitude of tolerance . The higher the basic value of the individual, the higher the tolerance attitude between ethnic groups.AbstrakIndonesia merupakan salah satu negara dengan keberagaman baik suku, etnis, maupun agama, sehingga menjadikan Indonesia sebagai negara yang multikultural. Penelitian ini bertujuan untuk mencari hubungan antara nilai dasar individu dengan sikap toleransi antaretnis di Indonesia. Nilai dasar individu diartikan sebagai nilai-nilai yang mewakili seorang pribadi baik dalam berperilaku maupun bertindak. Sedangkan toleransi dapat diartikan sebagai sikap saling menghargai dan saling menciptakan harmonisasi dalam sebuah perbedaan baik suku, antaretnis maupun agama. Adapun skala yang digunakan pada penelitian ini adalah Portrait Values Questionnaire (PVQ) sebagai alat ukur nilai dasar individu dan The Tolerance Index (TI) sebagai alat ukur toleransi. Metode penelitian ini menggunakan metode penelitian kuantitatif. Adapun teknik sampling yang digunakan adalah accidental sampling dengan responden terdiri dari 79 orang terdiri dari laki-laki dan perempuan berusia 18-40 tahun. Hasil penelitian ini menunjukan bahwa adanya hubungan yang signifikan antara variabel nilai dasar individu dengan sikap toleransi dengan P-Value sebesar 0,031 (P<0,05) dengan nilai Pearson Correlation sebesar 0,244 yang menunjukan adanya hubungan positif yang signifikan antara nilai dasar individu dengan sikap toleransi. Semakin tinggi nilai dasar individu maka semakin tinggi sikap toleransi antaretnis.

scholarly journals FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT NON MUSLIM MENJADI NASABAH BANK SYARIAH DI TASIKMALAYA

2020 ◽  
Vol 7 (1) ◽  
pp. 33-40
Author(s):  
Lina Marlina
Keyword(s):  
Research Methods ◽  
Quantitative Research ◽  
Profit Sharing ◽  
T Test ◽  
Islamic Banks ◽  
F Test ◽  
Quantitative Research Methods ◽  
Location Service

This research is intended to find out what factors are causing non-Muslims to become customers of Islamic banks. The study was conducted at the BNI Syariah branch of Tasikmalaya. The method used in this research is quantitative research methods. The results of the study show that: (1) Location partially does not affect the interest of non-Muslims to become customers at BNI Syariah Tasikmalaya Branch. This is indicated by the t test which obtained the value of tcount <ttable (1.090 <1.657); (2) Service partially has no effect on the interest of non-Muslims being customers at BNI Syariah Tasikmalaya Branch. This is indicated by the t test obtained -count> -table (-1,055> -1,657). 3. Religious stimuli partially has no effect on the interest of non-Muslims becoming customers at BNI Syariah Tasikmalaya Branch. This is indicated by the t test which obtained the value of -count> -table (-0.586> -1.657); (3) Reputation Partially does not affect the interest of non-Muslims to become customers at BNI Syariah Tasikmalaya Branch. This is indicated by the t test which obtained the value of -count> -table (-0.448> 1.657); (4) Profit sharing Partially has no effect on the interest of non-Muslims becoming customers at BNI Syariah Tasikmalaya Branch. This is indicated by the t test which obtained the value of -count> -table (-0.630> -1.657); (5) Promotion partially affects the interest of non-Muslims being customers at BNI Syariah Tasikmalaya Branch. This is indicated by the t test obtained t value> t table (2.571> 1.657); (6) Location, service, religious stimuli, reputation, profit sharing, and promotion simultaneously do not affect the interest of non-Muslims to become customers at BNI Syariah Tasikmalaya Branch. This is indicated by the F test which obtained the calculated F value <F table (1.619 <2.17).

Faktor Penyebab Rendahnya Minat UMKM di Kecamatan Pamijahan Dalam Memilih Pembiayaan pada Bank Syariah

2018 ◽  
Vol 1 (1) ◽  
pp. 132-160
Author(s):  
Hanifah Aqliyah ◽  
Evinovita Evinovita
Keyword(s):  
Quantitative Research ◽  
Profit Sharing ◽  
Positive Influence ◽  
Primary Data ◽  
Dominant Factor ◽  
Islamic Banks ◽  
Quantitative Research Methods ◽  
Simultaneous Test ◽  
Bank Financing ◽  
Positive Effect

This study aims to analyze the factors causing low interest of MSMEs in Pamijahan District in choosing financing for Islamic banks. The study was conducted using quantitative research methods with primary data from the secondary. Primary data was obtained through a questionnaire survey of the Pamijahan community. The sample, a number of 25 UMKM in the Pamijahan Subdistrict neighborhood, was taken proportionally puporsif. The study period was three months in the April-June 2018 period. Based on the partial test (t test) shows that promotion has a positive influence on the interests of UMKM in Pamijahan District. Based on the simultaneous test (test f), products, financing procedures, promotion and profit sharing together have a positive effect on the increasing interest of UMKM in Pamijahan District in choosing financing in Islamic banks (R2 0.609). The most dominant factor influencing the increasing interest of UMKM in Pamijahan District, choosing Islamic bank financing is the promotion factor.

Kredit Bermasalah sebagai Pemoderasi Pengaruh Tingkat Penyaluran Kredit terhadap Profitabilitas

2020 ◽  
Vol 5 (1) ◽  
pp. 52
Author(s):  
Sukirno Sukirno
Keyword(s):  
Research Method ◽  
Quantitative Research ◽  
Stock Exchange ◽  
Survey Methods ◽  
Analytical Tool ◽  
Significant Positive Effect ◽  
Purposive Sampling ◽  
The Relationship ◽  
Positive Effect

Abstract This study aims to empirically challenge the moderation of Non-Performing Loans to the effect of Credit Distribution Rates on Profitability. The population of 81 bank companies listed on the Indonesia Stock Exchange in the period 2014-2018 and which met the criteria of the research sample (purposive sampling) were 22 companies. The research method uses survey methods with quantitative research approaches, the analytical tool used is moderation regression. This study concludes that the level of credit distribution has a significant positive effect on profitability and the existence of the problem loan variable is proven to be a moderating variable that weakens the relationship between the level of credit distribution and profitability.    

The relationship between physical education and sports school students' positive thinking skill levels and their attitudes to learning: Comparison by gender and years of exercising

2020 ◽  
Vol 8 (4) ◽  
pp. 754-760
Author(s):  
Alparslan Ince ◽  
Keyword(s):  
High School Students ◽  
Physical Education ◽  
Quantitative Research ◽  
Thinking Skills ◽  
Positive Thinking ◽  
Thinking Skill ◽  
School Students ◽  
Skill Levels ◽  
Quantitative Research Methods ◽  
The Relationship

The aim of this study was to compare the relationship between physical education and sports high school students' positive thinking skill levels and attitudes of learning in terms of gender and years of doing sports. The study is a descriptive method, one of the quantitative research methods. The study group consisted of 280 (age: 20.98 ± 1.390) university students from School of Physical Education and Sports in Ordu university. As a result, it was concluded that the students' positive thinking skills were at a high level, and the nature of learning, anxiety, expectation, and openness to learning sub-dimensions of the attitude tolearning scale were at high levels. It was concluded that there is a statistically significant and positive relationship between the nature of learning, Expectation, and openness to learning, and positive thinking skill from sub-dimensions of the attitude to learning scale, but there is a negatively significant relationship between anxiety and positive thinking skills

scholarly journals The Impact of Brand Equity on Conversion Behavior in the Use of Personal Banking Services: Case Study of Commercial Banks in Vietnam

2021 ◽  
Vol 14 (8) ◽  
pp. 346
Author(s):  
Thi Thu Cuc Nguyen
Keyword(s):  
Brand Equity ◽  
Commercial Banks ◽  
Structural Equation ◽  
Quantitative Research ◽  
Negative Impact ◽  
Banking Services ◽  
Quantitative Research Methods ◽  
Two Factors ◽  
Customer Services ◽  
The Impact

The brand equity of banks plays a crucial role in determining customer behavior of using their services. The study aims to examine the impact of brand equity on conversion behavior in the use of personal banking services at commercial banks in Vietnam. The paper uses quantitative research methods, through linear SEM (Structural Equation Modelling) analysis, with survey data including 554 samples of individual customers of commercial banks. The study’s findings show that the bank’s brand equity has a negative impact on the behavior of individual customers. In the relationship between these two factors, competitive advertising effectiveness and loyalty of customers act as intermediary factors. On that basis, the study makes a number of recommendations to preclude customers leaving and minimize business losses caused by the conversion of customers’ banks. The findings of this study have shown the importance and impact of brand equity on conversion behavior in the use of personal customer services. These are meaningful contributions both theoretically and practically to help banks get a deeper insight into brand equity and the need to pay attention to building and developing sustainable brand equity for the bank, as well as an important basis for further research.

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