scholarly journals Efek Diversifikasi Pembiayaan Sektor Ekonomi Terhadap Profitabilitas Dan Risiko Bank Syariah Di Indonesia

2021 ◽  
Vol 2 (2) ◽  
pp. 197-211
Author(s):  
Muhammad Khozin Ahyar
Keyword(s):  
Linear Regression ◽  
Financial Services ◽  
Quantitative Method ◽  
Multiple Linear Regression Model ◽  
Secondary Data ◽  
Islamic Banking ◽  
Economic Sector ◽  
Fund Manager ◽  
Dependent Variables

Financing in Islamic banking can be regarded as an investment because Islamic banking is a fund manager (mudharib) from the owner of the funds (shahibul maal), namely the customer. This research aims to show that investment diversification can minimize risk and increase profitability in Islamic banking. This study uses a quantitative method with a multiple linear regression model with 14 independent and 2 dependent variables. The data used is secondary data obtained from the Islamic banking statistics of the Financial Services Authority. The result of this research is that diversification of financing based on the economic sector has no effect on profitability but affects risk in reducing default. This research has implications for reducing the risk of default in Islamic banking, marked by the performance and quality of Islamic banking financing getting better.

scholarly journals Pengaruh Saham Syariah dan Sukuk yang Terdaftar di JII Terhadap Produk Domestik Bruto (PDB) Indonesia Tahun 2015-2019

2021 ◽  
Vol 4 (2) ◽  
pp. 220
Author(s):  
Rissa Lizah Susanti
Keyword(s):  
Panel Data ◽  
Linear Regression ◽  
Quantitative Method ◽  
Secondary Data ◽  
Independent Variables ◽  
Dependent Variables ◽  
Islamic Economic

<p>The background of this research is a phenomenm of Islamic economic financial which is the instrument of bursary effect. It focuses on the grow sharia stock and sukuk that leads to product domestic bruto (PDB) of certain contry. In this research sharia stock and sukuk as independent variables and product domestic bruto (PDB) as dependent variables. The object of this research is a secondary data from panel data of sharia stock and sukuk from 2015 to 2019. A quantitative method with association approach was chosen as the method of this research and also used doubled linear regression with Eviews 11 programme. The results showed that the sharia stock variables has sig value equal to 0,2409 (p&gt;0,05) in partially, and it mean that it does not affect to the product domestic bruto (PDB) variables. Meanwhile the sukuk variables has sig value equal to 0,000 (p&lt;0,05), and it affect the product domestic bruto (PDB) variables. And in the simultaneously results showed if sharia stock and sukuk variable have sig value equal to 0,000 (p&lt;0,05), it mean affectd the product domestic bruto (PDB) variables. Furthermore through the R Square test (R2), sharia stock and sukuk variables affect 91% of the product domestic bruto (PDB) variables and is 9% affected by other variables that does not included in this research.</p>

ANALISIS PROFITABILITAS TERHADAP BEBAN RISIKO OPERASIONAL PERBANKAN SYARIAH DI PANDEMI COVID-19

2021 ◽  
Vol 10 (2) ◽  
pp. 118-131
Author(s):  
Muhlis ◽  
Izzatun Maghfirah ◽  
Dewi Puspita Sari
Keyword(s):  
Regression Analysis ◽  
Financial Services ◽  
Commercial Banks ◽  
Secondary Data ◽  
Operational Risk ◽  
Islamic Banking ◽  
Economic Sector ◽  
Business Units ◽  
Banking Institutions ◽  
Independent Variable

The Covid-19 pandemic that happened in Indonesia certainly affected many aspects of life, including the economic sector. Furthermore, in Islamic banking institutions, this institution serves as an intermediary between the collection and distribution of funds to customers. So that the pandemic can affect this sector in financial performance, especially in the profitability of institutions. In this study, profitability uses the ROA ratio in both Islamic Commercial Banks and Sharia Business Units, as well as operational risk burden as an independent variable. The data used in this study is secondary data from the official website of the Financial Services Authority which was analyzed using multiple regression analysis, classical assumption test, and determinant coefficients in SPSS. The results showed that the ROA BUS and UUS variables did not have a significant effect on the operational risk burden, while the determinant coefficient showed 44.9%.

scholarly journals Pengaruh Rasio Kinerja Bank Terhadap Profitabilitas Industri Bank Umum Syariah di Indonesia

2019 ◽  
Vol 5 (3) ◽  
pp. 217
Author(s):  
Felix Efendy ◽  
Salman Fathoni
Keyword(s):  
Commercial Bank ◽  
Financial Services ◽  
Time Series Data ◽  
Multiple Linear Regression Model ◽  
Secondary Data ◽  
Series Data ◽  
Return On Assets ◽  
Statistical Tool ◽  
Negative Effect ◽  
Positive Effect

The purpose of this study was to determine and analyze the effect of the level of bank health ratios measured by BOPO, FDR and NPF on increasing the profitability of the Sharia Commercial Bank industry in Indonesia, which is proxied by ROA. The data used in this study are secondary data including operational efficiency (BOPO), liquidity (FDR), Non Performing Finance (NPF) and Return On Assets (ROA) in the sharia commercial bank industry registered at Bank Indonesia. The data is a monthly time series data from 2015-2018 obtained through the official sharia banking statistics website, Financial Services Authority (https://www.ojk.go.id). To analyze it, researchers used a multiple linear regression model with statistical tool software EViews 9. From the observations and analysis of the data that has been done, the conclusions in this study are the BOPO, FDR and NPF on ROA which is an indicator of the Bank's health to measure profitability has a high relationship . The BOPO variable partially has a significant negative effect on profitability (ROA). FDR partially has a negative and significant effect on ROA. NPF partially has no positive effect on profitability.

scholarly journals Pengaruh Kenaikan Gaji PNS terhadap Korupsi yang Ditangani oleh Komisi Pemberantasan Korupsi (KPK)

2020 ◽  
Vol 1 (1) ◽  
pp. 16-23
Author(s):  
Abdul Sani
Keyword(s):  
Data Analysis ◽  
Statistical Analysis ◽  
Linear Regression ◽  
Quantitative Method ◽  
Secondary Data ◽  
Civil Servant ◽  
Administrative Reform ◽  
Regression Result ◽  
Comprehensive Strategy ◽  
Salary Increase

This study aims to determine the effect or relationship between the increase in salaries of civil servants against corruption. The method used in this research is quantitative method using statistical analysis of descriptive and analytic statistics. Data used in this research is secondary data from 2008 to 2017 obtained from Corruption Eradication Commission (KPK) and Ministry of Administrative Reform and Bureaucracy Reform (Kemenpan RB). Data analysis using linear regression. Result of data analysis that is R Square: 0.085295 indicate that there is no correlation or influence of salary increase of civil servant with corruption. While Significance F: 0.44571782 this shows that the effect of pay increases on corruption is not significant. With this research is expected to have a more comprehensive strategy in eradicating corruption.

scholarly journals Kebijakan Peraturan OJK Terhadap Perbankan Syariah dalam Menghadapi Wabah Covid-19 di Era New Normal

2021 ◽  
Vol 4 (1) ◽  
pp. 43
Author(s):  
Inna Fauzi ◽  
Yassirlana Anjani
Keyword(s):  
Customer Service ◽  
Financial Services ◽  
Islamic Banking ◽  
Work Processes ◽  
Industry Growth ◽  
Services Sector ◽  
The Face ◽  
Descriptive Qualitative

<p><em>This study aims to examine the policy of Islamic banking law in maintaining its existence in the face of the plague that is hitting Indonesia. OJK (Financial Services Authority) has also made a number of policies that are used as an effort to save the economy in Indonesia. One of the regulations is stated in POJK  Number 18 / POJK.03 / 2020 concerning "Written Orders for Handling Bank Problems". The legal policy used by Islamic banking is to measure the new OJK regulations as the organizer of an integrated regulatory and supervisory system of all activities in the financial services sector. The method used in this research is descriptive qualitative. The method used in this research is descriptive qualitative. related to the world of banking. The method used in this research is descriptive qualitative. The object of this research is Islamic banking which has more religious wisdom. The results of this study indicate that Islamic banking is making service updates, considering that the transition of the banking world to digital can increase the efficiency of work processes and improve the quality of customer service, by digitizing during the pandemic. The bank has made long-term investments and it is projected that digital services will be one of the main drivers of sustainable banking industry growth in the context of fulfilling POJK Number 18 / POJK.03 / 2020.</em></p><p><em><br /></em></p>

scholarly journals Kesehatan Mental dan Perubahan Aktivitas-Perjalanan Saat Pandemi COVID-19 di Indonesia

2021 ◽  
Vol 5 (2) ◽  
pp. 125-135
Author(s):  
Muhamad Rizki ◽  
Dwi Prasetyanto ◽  
Andrean Maulana
Keyword(s):  
Mental Health ◽  
Linear Regression ◽  
Multiple Linear Regression ◽  
Multiple Linear Regression Model ◽  
Well Being ◽  
The Internet ◽  
Online Data ◽  
Daily Lives ◽  
Online Data Collection

ABSTRAKPandemi COVID-19 telah secara signifikan mempengaruhi bagaimana kita menjalani kehidupan sehari-hari kita. Studi ini bertujuan untuk menginvestigasi dampak perubahan kesehatan mental kepada perubahan aktivitas dan perjalanan saat pandemi di Indonesia. Convenient sampling digunakan untuk menentukan jumlah sampel dan pengumpulan data dilakukan secara online pada masa pandemi dengan kuesioner. Adapun metode regresi linear berganda digunakan untuk menganalisis data. Hasil analisis menujukkan bahwa telah terjadinya perubahan aktivitas dan perjalanan akibat dari pandemi COVID-19. Tipe kesehatan mental seperti depresi dan bosan sangat berkaitan dengan penurunan pola perjalanan, sedangkan kelelahan berkaitan dengan berkurangnya kegiatan berbasis online. Studi ini juga menemukan bahwa masyarakat berpendapatan tinggi cenderung memiliki akses lebih baik terhadap platform online dan melakukan kegiatan online lebih banyak. Kelompok tersebut juga cenderung mengurangi perjalanan keluar tempat tinggal. Studi ini merekomendasikan pembenahan kualitas internet dan pembangunan fasilitas aktif (taman) dekat tempat tinggal untuk mengendalikan pandemi bersamaan dengan menjaga penurunan kesehatan mental.Kata kunci: COVID-19, Aktivitas, Perjalanan, Regresi linear berganda ABSTRACTThe COVID-19 pandemic has significantly affected how we do our daily lives. This study aims to investigate the effect of emotional well-being to the changes in activity and travel during COVID-19 pandemic in Indonesia. Convenient sampling is used for dermine sampling size and online data collection was carried out during a pandemic using a questionnaire. Moreover, the multiple linear regression model is used for data analysis. It is found that there has been a change in activity and travel as a result of the COVID-19 pandemic. The results of the analysis show that several issues related to mental health, such as depression and boredom, are strongly associated with the decrease of out-of-home activities, while fatigue is associated with a lower ICT activities. This study also found that high-income people, which have higher accessibility to ICT, tend to do more online activities and also reduce their out-of-home activities during pandemic. This study proposeimproving the quality of the internet and building active facilities (parks) near residential location to manage the pandemic while maintaining a decline in mental health.Keywords: COVID-19, Activity, Travel, Multiple linear regression

scholarly journals Financial Inclusion through Islamic Banking

2017 ◽  
Vol 6 (2) ◽  
pp. 324
Author(s):  
Mumna Nazar
Keyword(s):  
Financial Services ◽  
Banking System ◽  
Secondary Data ◽  
Financial Inclusion ◽  
Primary Data ◽  
Islamic Banking ◽  
Committee Report ◽  
Secondary Sources ◽  
The People ◽  
Financial Exclusion

<div><p><em>Financial inclusion is a buzz word today. It plays an important role in driving away the poverty from the country. Financial inclusion is the process of ensuring financial services to the weaker sections of the society at an affordable cost. As per the Sachar Committee Report, Muslims in India are financially excluded. Even though they have an account, the extent of usage is very low due to the religious reasons.  The Non-Muslims also do not actively engage in the formal financial system due to the interest involvement. Islamic Bank can serve as a remedy for the financial exclusion of the Muslims as well as Non-Muslims community. The objective of this paper is to understand the extent of financial inclusion among the people in Kerala and their awareness and preference towards Islamic banking. Both primary and secondary data are collected for the study. Secondary data are collected from various secondary sources like published articles, journals, reports, books and websites. Primary data are collected with the help of questionnaire among people in Kerala. The study revealed that most of the respondents have accessed bank accounts but the extent of usage is only for namesake. Moreover the awareness and preference towards Islamic Banking is very high among the Muslims as well as Non-Muslims and suggested that proper care must be taken for introducing Islamic banking system in India. It will ultimately leads to the inclusive growth of our country.</em></p></div>

scholarly journals PENGARUH KUALITAS PELAYANAN BANQUET TERHADAP KEPUASAN KONSUMEN PADA LABERSA GRAND HOTEL & CONVENTION CENTER SIAK HULU KAMPAR

2019 ◽  
Vol 8 (1) ◽  
pp. 176-188
Author(s):  
Nova Syafrina ◽  
Syaiful Akbar
Keyword(s):  
Linear Regression ◽  
Customer Satisfaction ◽  
Service Quality ◽  
Consumer Satisfaction ◽  
Secondary Data ◽  
Simple Linear Regression ◽  
Independent Variables ◽  
Convention Center ◽  
Grand Hotel

Abstrak           Penelitian ini dilakukan di Labersa Grand Hotel & Convention Center, Siak Hulu, Kampar. Tujuan penelitian ini adalah untuk mengetahui apakah ada pengaruh yang signifikan antara kualitas pelayanan terhadap kepuasan konsumen pada Labersa Grand Hotel & Convention Center, Siak Hulu, Kampar. Populasi yang ada dalam penelitian ini sebanyak 1.317 orang. Dalam penelitian ini pengambilan sampel menggunakan asidental sampling, yaitu sebesar 93orang. Data yang digunakan adalah data primer dan sekunder dengan analisis menggunakan regresi linier sederhana. Hasil penelitian menunjukan bahwa hasil regresi linier adalah Y=16,974+ 0,642X yaitu memiliki arah hubungan yang positif, dan dan variabel kualitas pelayanan berpengaruh signifikan terhadap kepuasan konsumen hal tersebut dapat dilihat nilai nilai t_hitung (7,722) > dari t_tabel (1,98638). sedangkan besarnya pengaruh kualitas pelayanan terhadap kepuasan konsumen adalah sebesar 39,6 persen sedangkan sisanya sebesar 60,4 persen menggambarkan variabel bebas lainnya yang tidak  diamati dalam penelitian ini.     Kata Kunci : Kualitas Pelayanan Dan Kepuasan Konsumen.            This research was conducted at Labersa Grand Hotel & Convention Center, Siak Hulu, Kampar. The purpose of this study was to determine whether there was a significant effect between the quality of service on customer satisfaction at Labersa Grand Hotel & Convention Center, Siak Hulu, Kampar. The population in this study was 1,317 people. In this study the sampling uses incidental sampling, which is equal to 93 people. The data used are primary and secondary data with analysis using simple linear regression. The results showed that the linear regression results were Y = 16,974 + 0,642X which has a positive relationship direction, and the service quality variable has a significant effect on customer satisfaction. It can be seen the value of t-count (7,722)> from t-table (1,98638). while the magnitude of the effect of service quality on consumer satisfaction is 39.6 percent while the remaining 60.4 percent describes other independent variables not observed in this study..  Keywords: Service Quality and Consumer Satisfaction

scholarly journals Real Estate Values and Urban Quality: A Multiple Linear Regression Model for Defining an Urban Quality Index

2021 ◽  
Vol 13 (24) ◽  
pp. 13635
Author(s):  
Sebastiano Carbonara ◽  
Marco Faustoferri ◽  
Davide Stefano
Keyword(s):  
Linear Regression ◽  
Real Estate ◽  
Linear Regression Model ◽  
Quality Index ◽  
Property Values ◽  
Multiple Linear Regression Model ◽  
Urban Environments ◽  
Urban Quality ◽  
The City

Urban quality, real estate values and property taxation are different factors that participate in defining how a city is governed. Real estate values are largely determined by the characteristics of urban environments in which properties are located and, thus, by quality of the location. Beginning with these considerations, this paper explores the theme of urban quality through a study of property values that seeks to define all physical (and thus measurable) characteristics that participate in defining urban quality. For this purpose, a multiple linear regression model was developed for reading the residential real estate market in the city of Pescara (Italy). In addition to the intrinsic characteristics of a property (floor area, period of construction/renovation, level, building typology and presence of a garage), input also included extrinsic data represented by the Urban Quality Index. Scientific literature on this theme tells us that many independent variables influence real estate prices, although all are linked to a set of intrinsic characteristics (property-specific) and to a set of extrinsic characteristics (specific to the urban context in which the property is located) and, thus, to the quality of urban environments. The index developed was produced by the analytical and simultaneous reading of four macrosystems with the greatest impact on urban quality: environment, infrastructure, settlement and services (each with its own subsystems). The results obtained made it possible to redefine proportional ratios between various parts of the city of Pescara, based on a specific Urban Quality Index, and to recalculate market property values used to calculate taxes in an attempt to resolve the inequality that persists in this field.

scholarly journals Pengaruh Financial Ratio Dan Ukuran Perusahaan Terhadap Return Saham Perusahaan Batu Bara Yang Terdaftar Di Bei

2019 ◽  
Vol 2 (3) ◽  
Author(s):  
Caroline Dan Yanuar
Keyword(s):  
Linear Regression ◽  
Multiple Linear Regression ◽  
Stock Return ◽  
Stock Exchange ◽  
Multiple Linear Regression Model ◽  
Secondary Data ◽  
Company Size ◽  
Financial Ratio ◽  
Company Value ◽  
Fixed Model

This research aims to find out determine the effect of financial ratio and company size on stock return of 11 coal companies which are listed on the Indonesia Stock Exchange (BEI) for period 2008-2016. The research was designed as a descriptive study and verification by using secondary data. Data were analyzed using panel data multiple linear regression and t-test with 99 observations. Multiple linear regression model using fixed model based on Chow Test and Hausman Test.The results showed that profitability give positive significant to stock return, while company value, company size, liquidity, solvability and activity ratio do not have significant to stock return.

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