scholarly journals ANALISIS CUSTOMER PROFITABILITY PADA KOPERASI SIMPAN PINJAM “DIASPORA”

2021 ◽  
Vol 3 (2) ◽  
pp. 128-134
Author(s):  
Sinta Wijayanti ◽  
Yosua Damas Sadewo
Keyword(s):  
Quantitative Research ◽  
Financial Statements ◽  
Credit Union ◽  
T Test ◽  
Customer Profitability ◽  
Consumer Group ◽  
Test Technique ◽  
Savings And Loans ◽  
Credit Contracts ◽  
Difference Test

The purpose of this study was to analyze Customer Profitability in the Diaspora Savings and Loans Cooperative (Credit Union). This research is a comparative quantitative research. The consumers studied were limited to debtor customers only. There are 4 consumer groups studied, where each group consists of 30 customers. Data were collected by using a documentary study technique by examining credit contracts and financial statements of each customer. The data were analyzed by means of a mean difference test with an independent sample t-test technique. The results showed that the groups of consumers who gave the highest profitability were the cheap and passive groups. Meanwhile, the consumer group that tends to harm the cooperative is the aggressive group. Thus, it is suggested to the cooperative manager to increase the number of consumers in the cheap and passive groups and reduce the number of consumers in the aggressive group.

scholarly journals PENERAPAN STRATEGI COLLABORATIVE LEARNING PADA MATA PELAJARAN IPS TERPADU DALAM MENINGKATKAN MOTIVASI BELAJAR SISWA KELAS VII DI SMP IT ULIL ALBAB BATAM TAHUN PELAJARAN 2015/2016 STRATEGY IMPLEMENTATION OF COLLABORATIVE LEARNING ON THE SUBJECT IN THE INTEGRATED IPS IMPROVING STUDENT LEARNING MOTIVATION CLASS VII SMP IT IN BATAM ULIL albab LESSON YEAR 2015/2016

2016 ◽  
Vol 2 (2) ◽  
Author(s):  
Desma Yulia ◽  
Devi Liana Sari
Keyword(s):  
Social Sciences ◽  
Collaborative Learning ◽  
Quantitative Research ◽  
T Test ◽  
Learning Material ◽  
Test Results ◽  
Quasi Experimental ◽  
The Subject ◽  
Improving Student Learning ◽  
Difference Test

Teacher-centered learning less than optimal impact on the lack of student motivation. In addition, students are also difficult to understand the learning material of teaching materials that have been provided so that students become less enthusiastic in receiving lessons. This study aims to reveal the students 'motivation on IPS Terpadu  subjects through CollaborativeLearning strategy and to know the of the differences in students' motivation Experimental Class and ControlClass in junior IT UlilAlbab Batam. This research is a quantitative research with Quasi-Experimental Design approach. The subjects were students of class VIIa as a Class Experiment, totaling 32 students and Class VIIb as a Class control totaling 32 students. The sampling is using random sampel.Data obtained from the test results questionnaire were analyzed using the average difference test (T-Test). The results of this study indicate that there are significant differences on the students motivation in the Experimental Class Kata kunci: Strategi Collaborative Learning, students motivation, social sciences. Berpusat pada guru belajar kurang dari dampak yang optimal pada kurangnya motivasi siswa. Selain itu, siswa juga sulit untuk memahami materi pembelajaran bahan ajar yang telah disediakan sehingga siswa menjadi kurang antusias dalam menerima pelajaran. Penelitian ini bertujuan untuk mengungkapkan motivasi pada mata pelajaran IPS Terpadu melalui strategi CollaborativeLearning dan untuk mengetahui perbedaan di siswa siswa motivasi Kelas Eksperimental dan ControlClass di SMP IT UlilAlbab Batam. Penelitian ini merupakan penelitian kuantitatif dengan pendekatan Desain Quasi-Eksperimental. Subjek penelitian ini adalah siswa kelas VIIA sebagai Eksperimen Kelas, berjumlah 32 siswa dan kelas VIIB sebagai kontrol Kelas berjumlah 32 siswa. sampling menggunakan sampel.Data acak yang diperoleh dari hasil uji kuesioner yang dianalisis menggunakan uji perbedaan rata-rata (T-Test). Hasil penelitian ini menunjukkan bahwa terdapat perbedaan yang signifikan pada motivasi siswa di Kelas Eksperimental dan Kontrol.Kata kunci: Strategi Collaborative Learning, Motivasi Belajar, IPS Terpadu.

scholarly journals PENGARUH NON-PERFORMING FINANCING PEMBIAYAAN MUDHARABAH DAN MURABAHAH TERHADAP TINGKAT PROFITABILITAS BANK XXX SYARIAH

2020 ◽  
Vol 2 (1) ◽  
pp. 1-20
Author(s):  
Zyahratul Wilda ◽  
Syahriyah Semaun ◽  
Arqam
Keyword(s):  
Regression Analysis ◽  
Data Collection ◽  
Multiple Regression Analysis ◽  
Multiple Regression ◽  
Quantitative Research ◽  
Financial Statements ◽  
T Test ◽  
Coefficient Of Determination ◽  
Analysis Techniques ◽  
Descriptive Method

This study aims to determine whether there is an influence of Non-Performing Financing on mudharabah and murabaha financing on the level of profitability and want to know the dominant variables that simultaneously influence the level of profitability at the Sharia xxx Bank. This research is a quantitative research with descriptive method. Data collection is derived from financial statements. The method used to test hypotheses is to use multiple regression analysis techniques, t test, f test, coefficient of determination (R2). The results showed: Based on the results of the t test (partial) which showed that the significance value of Non-Performing Financing (NPF) mudharabah financing was -1,761 with a significance probability of 0.220 which means it was greater than the α value of 0.05, so it can be concluded that Non-Performing Financing (NPF) mudharabah financing has a negative and partially significant effect on profitability (ROA) at the Sharia xxx Bank. And the results of the t test (partial) which shows that the significance value of Non-Performing Financing (NPF) murabaha financing is 2,422 with a significance probability of 1.36 which means it is greater than the α value of 0.05, so it can be concluded that Non-Performing Financing (NPF) murabaha financing has a positive and significant effect on profitability (ROA) at the Sharia xxx Bank. And the dominant variable simultaneously influencing the level of profitability at the Sharia xxx Bank is the Performing Financing (NPF) of murabahahyakni financing at 1.36.

scholarly journals PERBEDAAN TINGKAT KEBERSYUKURAN PADA PEREMPUAN LAJANG DAN SUDAH MENIKAH

2021 ◽  
Vol 19 (2) ◽  
pp. 121
Author(s):  
Rosadi Rosadi
Keyword(s):  
Data Analysis ◽  
Single Women ◽  
Married Women ◽  
T Test ◽  
Statistical Data Analysis ◽  
Test Technique ◽  
Women Subjects ◽  
Significant Difference ◽  
The Difference ◽  
Difference Test

The sense of gratitude that women have is not always the same between single and married women. Subjects in this study were 46 participants aged 22-36 years. The instrument used in this study was the GQ-6 gratitude scale compiled by McCullough, Emmons & Tsang. The data analysis used was the 2-sample difference test technique, namely the Independent sample t-test. Based on the results of the research data analysis, it can be concluded that there are significant differences in single and married women related to the level of gratitude. This can be seen from the results of statistical data analysis with the t test technique which shows a probability value of 0.034> 0.05 which indicates a significant difference. Thus the difference in the average actually occurs in real terms. In conclusion, married women have a higher level of gratitude (M = 35.95) than single women (M = 34.04).  Rasa kebersyukuran yang dimiliki oleh perempuan tidak selalu sama antara perempuan lajang dan menikah. Subjek dalam penelitian ini berjumlah 46 orang partisipan yang berumur 22-36 tahun. Instrumen yang digunakan dalam penelitian ini adalah skala syukur GQ-6 yang di susun oleh McCullough, Emmons & Tsang. Analisis data yang digunakan adalah teknik uji perbedaan 2 sampel yaitu Independent sampel t-test. Berdasarkan hasil analisis data penelitian dapat diperoleh kesimpulan bahwa terdapat perbedaan yang signifikan pada perempuan lajang dan sudah menikah terkait dengan tingkat kebersyukuran. Hal tersebut dapat dilihat dari hasil analisis data statistik dengan teknik uji t yang menunjukkan nilai probabilitas 0,034 > 0,05 yang mengindikasikan adanya perbedaan yang signifikan. Dengan demikian perbedaan rata-rata yang ada benar-benar terjadi secara nyata. Sebagai kesimpulannya adalah perempuan yang sudah menikah memiliki tingkat kebersyukuran yang lebih tinggi (M = 35,95) dibandingkan perempuan lajang (M = 34,04).

An investigation of book reading habits levels and correct decision-making styles in terms of some variables: A research on coach and referees

2020 ◽  
Vol 8 (4) ◽  
pp. 849-865
Author(s):  
Mihriay Musa ◽  
Keyword(s):  
Decision Making ◽  
Quantitative Research ◽  
Simple Random Sampling ◽  
T Test ◽  
Book Reading ◽  
Correct Decision ◽  
Reading Habits ◽  
Significance Level ◽  
Decision Making Styles ◽  
The Universe

In this study, it was aimed to examine the reading habits levels and making the correct decision styles of basketball, handball, volleyball, and football coaches and referees in terms of some variables, the research was carried out with the general survey model, one of the quantitative research designs, the active coaches and referees of basketball, football, volleyball, and handball in İzmir, Denizli and Uşak provinces constituted the universe of the study, the sample of the study, on the other hand, consisted of 98 participants, 52 of whom were coaches and 46 were referees, determined by the simple random sampling method, one sample t-test at a 0.05 significance level was conducted to determine whether the sample represented the universe equally and homogeneously. Melbourne decision making scale I-II, and book reading habits scale were used to collect data in the study. Since the data are suitable for normal distribution, the t-test in comparing the pairwise means; parametric tests such as one-way ANOVA tests were used at 0.05 significance level in comparing the mean scores of more than two groups. In terms of education levels, it has been observed that female coaches and referees studying at faculties of sports sciences have higher levels of reading habit, love of reading, and being influenced by books. In addition, it was determined that individuals who trust and respect the decisions of their families have higher reading habits and correct decision-making styles and do not panic during the decision-making process.

PENGARUH PUBLIKASI LAPORAN KEUANGAN TERHADAP VOLUME PERDAGANGAN SAHAM DI BURSA EFEK INDONESIA

2017 ◽  
Vol 13 (1) ◽  
pp. 19
Author(s):  
Mikha Gorbyanto Nuari ◽  
Astuti Yuli Setyani
Keyword(s):  
Capital Market ◽  
Investment Decision ◽  
Rapid Development ◽  
Financial Statements ◽  
T Test ◽  
Stock Trading ◽  
Event Window ◽  
Paired Samples ◽  
Significant Difference ◽  
High Investment

Capital market in Indonesia today is experiencing rapid development, the growth contribute to the high investment that can be seen from the number of shares traded by investors. Financial statements are one of many source which investor used as a source of consideration to make investment decision. The purpose of this study was to examine whether there is a difference between the volume of stock trading before the publication of financial statements and after the publication of financial statements in 20 days event window. The research sample is a group companies that included in the index stock LQ 45 in 2016. Hypothesis testing using a paired sample t-test. The results of this test showed no significant difference between the volume of trade before publication of the financial statements and after the publication of the financial statements.Key terms: financial statements, volume of stock trading, capital market, investmentPasar modal di Indonesia dewasa ini mengalami perkembangan yang pesat, hal tersebut berdampak pada tingginya investasi dilihat dari jumlah saham yang ditransaksikan oleh investor. Laporan keuangan merupakan salah satu sumber informasi bagi investor sebagai bahan pertimbangan dalam melakukan keputusan investasi. Tujuan dari penelitian ini adalah untuk menguji apakah ada perbedaan antara volume perdagangan saham sebelum publikasi laporan keuangan dengan sesudah publikasi laporan keuangan pada event window 20 hari. Sampel penelitian merupakan perusahaan yang masuk dalam kelompok indeks saham LQ 45 pada tahun 2016. Pengujian hipotesis dilakukan dengan menggunakan uji paired samples t-test. Hasil dari pengujian ini menunjukkan tidak adaperbedaan yang signifikan antara volume perdagangan sebelum publikasi laporan keuangan dengan sesudah publikasi laporan keuangan.Kata Kunci: laporan keuangan, volume perdagangan saham, pasar modal, investasi.

scholarly journals The Determinants of Audit Expectation Gap: An Empirical Study from Kingdom of Bahrain

2018 ◽  
Vol 7 (3) ◽  
pp. 54 ◽  
Author(s):  
Sayed Ali Ahmed Alawi ◽  
Rami Mohammad Abu Wadi ◽  
Gagan Kukreja
Keyword(s):  
Financial Reporting ◽  
Quantitative Research ◽  
Financial Statements ◽  
International Standards ◽  
Kingdom Of Saudi Arabia ◽  
The Public ◽  
Financial Reporting Standards ◽  
Expectation Gap ◽  
Audit Firms ◽  
National Bank

The research aims at identifying the determinants of audit expectation gap between the auditors and the users of financial statements in the Kingdom of Bahrain. This issue is noticed in many frauds or errors or illegal matters by the general public after every scam whether Enron and WorldCom from United States or Satyam and Punjab National Bank from India or Tesco and BHS from United Kingdom or Mobily from Kingdom of Saudi Arabia. As per International Standards on Auditing (ISAs), auditors are not responsible to detect each and every fraud or error or illegal act as it is the responsibility of management. However, auditors are expected to assess the possibility of an error or fraud to occur and assess risks of material misstatement due to error or fraud and they are supposed to express their independent and objective opinion on financial statements whether financial statements are prepared in accordance to suitable criteria (International Financial Reporting Standards in the case of Bahrain).This quantitative research and its descriptive design aims empirically to analyze determinants that may impact the audit expectation gap in the Kingdom of Bahrain. The study used a detailed questionnaire as a measuring instrument across the sample group to measure 4 determinants that are expected to have a significant impact on the level of the audit expectation gap. Those determinants are the efforts of auditors, the skills of auditors, the knowledge of the public about the audit profession and the users’ needs from auditors. The research inferred that identified factors found to have a significant impact on the level of audit expectation gap. It is recommended that audit firms should provide training to the audit staff that how to utilize the required efforts in conducting an audit engagement and go extra miles to fill the gap. Furthermore, the auditors should keep themselves updated about the latest frauds and the best audit practices. 

scholarly journals The Impact of Moringa Leaves, Katuk Leaves and Oxytocin Massage on Quantity and Quality of Mother's Milk as Patients Health Center in Bali

2020 ◽  
Vol 9 (1) ◽  
pp. 275-279
Keyword(s):  
Breast Milk ◽  
Quantitative Research ◽  
T Test ◽  
The Third ◽  
Psychological Disturbances ◽  
Α Level ◽  
Postpartum Mothers ◽  
The Impact ◽  
Paired T Test

The problem of breastfeeding is part of the problem of discomfort in postpartum mothers for 2 hours after giving birth. This problem often causes trauma to postpartum mothers during breastfeeding, psychological disturbances, and increases morbidity in the mother and baby due to inadequate breast milk. The practice of Oxytocin massage, Moringa leaves and Katuk leaves at the same time can improve the quantity and quality of breast milk in maternal patients with 36-40 weeks' gestation. This type of research is quantitative research. Respondents numbered 30 were selected by determining purposive sampling in each group consisting of 10 mothers. Data were analyzed using a Paired t-test and Independent sample t-test with an α level of 0.05. The results showed that there was an increase in the quantity of breastfeeding. On the 3rd day, the quantity of breast milk with volume of 45 cc. In the week I with a volume of 10.50 cc, week II 86.50 cc, week III 168.50 cc and week IV as much as 275 cc. It shows that there are differences in quality on days 3 to week IV. The results of data analysis also showed that the 3rd day the quality of breast milk is rather yellow and rather thick, then the first week to the third week rather yellow and thin. At week IV, the quality of breast milk is white and runny. There is an increase in the quality and quantity of breast milk in all three groups.

scholarly journals Pengaruh Kepemimpinan Visioner Kepala Madrasah terhadap Kedisiplinan Guru di MAN 2 Samarinda

2019 ◽  
Vol 2 (2) ◽  
pp. 138-153
Author(s):  
Marantika Marantika ◽  
Dwi Nur Aini Dahlan
Keyword(s):  
Data Analysis ◽  
Strong Correlation ◽  
Quantitative Research ◽  
Visionary Leadership ◽  
T Test ◽  
New Era ◽  
Inhibiting Factors ◽  
Data Analysis Technique ◽  
Analysis Technique

Visionary leadership is a capability to make changes by having new visions and ideas, thinking ahead, carrying out stages of mutual interconnection that can influence and motivate teachers and their students. This research aims to find out the effect of leadership of Madrasah Principal Visionary to Teacher Discipline. The type of this research is quantitative research. The population in this study were all 60 teachers in MAN 2 Samarinda. The data of this research is obtained from questionnaire, observation and documentation. The data analysis technique uses product moment correlation formula, determinant coefficient (R²) and t test. The results of this study shows the results of the t-test value of 3.5090> t table 2.00172, which means that Ho is rejected and Ha is accepted. The meaning is there is a correlation between variable X and Y, product correlation 0.416. That means there is a strong correlation between visionary leadership variable and teacher discipline variable. Percentage of visionary leadership for teacher  discipline is 17.30% (strong enough), the factors that cause these results include: giving the best performance without analyzing / following new era, inability to change teachers knowledge into strategy, and treating teachers differently causing conflicting duties. The supporting and inhibiting factors in managing teacher discipline include: teacher personalitty, the headmaster teachers supervision.

scholarly journals Pengaruh Kualitas Produk, Harga, Kualitas Pelayanan, Dan Store Atmosphere Terhadap Kepuasan Pelanggan

2021 ◽  
Vol 13 (2) ◽  
pp. 88-101
Author(s):  
Devina Martina Lieyanto ◽  
Bruno Hami Pahar
Keyword(s):  
Quality Of Service ◽  
Customer Satisfaction ◽  
Quantitative Research ◽  
T Test ◽  
Test Reliability ◽  
Product Price ◽  
Normality Test ◽  
Store Environment ◽  
Quality Of Products

The development of culinary business in Indonesia, particularly in Surabaya, is growing and developing increasingly. Gatherinc Bistro & Bakery is one of the bistros in Surabaya and is located on Jalan Taman Puspa Raya A2 No. 11, Sambikerep, Surabaya. The aim of this study is to determine the effect of quality of product, price, quality of service, and store atmosphere on customer satisfaction at Gatherinc Bistro & Bakery Surabaya. The method used in this study is quantitative research by giving a questionnaire statement to 100 participants who are customers of Gatherinc Bistro & Bakery Surabaya. This research was tested using the Validity Test, Reliability Test, Classical Assumption Test (Normality Test, Multicollinearity Test, Heteroscedasticity Test), F Test, Multiple Linear Regression Test, Determinant Coefficient, and t test. In the t test, the research results showed that the variable quality of the product (X1) 1.648 < 1.985 with a significant level of 0.103 > 0.050, which means that quality of product has no significant effect on customer satisfaction at Gatherinc Bistro & Bakery Surabaya, variable price (X2) 0.176 < 1.985 with a significant level of 0.861 > 0.050, which means that price does not have a significant effect on customer satisfaction at Gatherinc Bistro & Bakery Surabaya, quality of service (X3) 3.755 > 1.985 with a significant level of 0.000 < 0.050, which means that quality of service has a significant effect on customer satisfaction at Gatherinc Bistro & Bakery Surabaya, and the store atmosphere (X4) 2.280 > 1.985 with a significant level of 0.025 < 0.050, which means that store atmosphere has a significant effect on customer satisfaction at Gatherinc Bistro & Bakery Surabaya. The conclusion of this study is that the product and price quality variables do not have a major impact on customer satisfaction because the quality of products and prices given by Gatherinc Bistro & Bakery Surabaya are not much different from other cafe or bistro in Surabaya, whereas the service quality and store environment variables at Gatherinc Bistro & Bakery Surabaya have an impact on customer satisfaction.

scholarly journals PENGARUH PENYAJIAN LAPORAN KEUANGAN DAERAH DAN AKSESIBILITASNYA TERHADAP TRANSPARANSI DAN AKUNTABILITAS PENGELOLAAN KEUANGAN DAERAH DI PEMERINTAHAN KABUPATEN KEPULAUAN TALAUD

2013 ◽  
Vol 2 (1) ◽  
pp. 27
Author(s):  
Dedy Aries Poae ◽  
David P. E Saerang
Keyword(s):  
Linear Regression ◽  
Hypothesis Testing ◽  
Multiple Linear Regression ◽  
Financial Management ◽  
Test Validity ◽  
Financial Statements ◽  
T Test ◽  
Financial Statement ◽  
F Test ◽  
Transparency And Accountability

At the time of onset of regional autonomy in the hope that emerges is more independent local governments in the implementation of government activities and conduct development in their respective areas. Government Regulation Number 24 of 2005 Government Accounting Standards neighbor besides achieving good governance is also the answer to anticipation the financial reporting guidelines that can be generally accepted.The research was conducted at the head and the staff involved in the process of financial management in the Government District Talaud Islands. This study aimed to determine the effect of financial statement presentation and accessibility to transparency and accountability in government financial management goverment Talaud Islands.Data analysis method used is the method of multiple linear regression, descriptive statistics test, test validity and reliability testing, test assumptions of classical, hypothesis testing  ( F test and t test ) , the coefficient of determination  ( R ² ) . To complete the overall data analysis used SPSS 20.0 software.The results show the financial statement presentation and accessibility significantly affect the transparency and accountability of financial management. It can be seen from the equation Y = 5,425 + + 0.579X1 0.094X2. Of multiple linear regression equation shows that the financial statement presentation and accessibility positive effect on transparency and accountability in the management of the financial statements. The correlation coefficient  ( R )  obtained for 65.3% and the coeffi cient of determination  ( R ² )  of 42.7% and the remaining 57.3% or other variables not examined in this study. Results of hypothesis testing  ( F test )  showed a significance value of 0.000 at the significant level α = 0.05 level test results mean F states H0 rejected Ha accepted. And  ( t test )  showed for the variable X1  ( Regions Financial Statements )  significant value for 0000 with a significant level of α = 0.05 then H0 is rejected means-Ha is accepted, it means the area of financial statement presentation variables significantly affect the transparency and accountability of financial management. For the variable X2  ( Aksesibilitan Regional Financial Statements )  significant value of 0.526 with a significant level of α = 0.05 then H0 is accepted means Ha rejected, meaning that the variable with Regional Financial Statements do not significantly affect the Transparency and Accountability of Financial Management.

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