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

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.

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Pengaruh Financing to Deposit Ratio (FDR) dan Non-Performing Financing (NPF) terhadap Bagi Hasil Deposito Mudharabah pada Bank Syariah Mandiri

Jurnal Maksipreneur Manajemen Koperasi dan Entrepreneurship ◽

10.30588/jmp.v8i1.391 ◽

2018 ◽

Vol 8 (1) ◽

pp. 98

Author(s):

Achmad Agus Yasin Fadli

Keyword(s):

Significant Influence ◽

Linear Regression Analysis ◽

Banking System ◽

Multiple Linear Regression Analysis ◽

Profit Sharing ◽

Positive Influence ◽

Coefficient Of Determination ◽

Islamic Banking ◽

Negative Effect ◽

Banking Institutions

<em>Along with the development of sharia banking institutions in Indonesia, the more types of services provided by these Islamic banking institutions. This study focuses on internal factors, such as Financing to Deposit Ratio (FDR) and Non-Performing Financing (NPF), because of the presumption that these factors have the most significant influence on profit-sharing that exist in the Islamic banking system. This study aims to determine the effects of Financing to Deposit Ratio (FDR) and Non-Performing Financing (NPF) variables on Mudharabah Deposits of PT Bank Syariah Mandiri, both partially and simultaneously for the 2011-2017 period. The sample used in this study is PT Bank Syariah Mandiri in Indonesia by using multiple linear regression analysis which is processed using SPSS (Statistical Product Services and Solutions) software version 24. The results of this study state that FDR has a negative effect on profit sharing of Mudharabah Deposits, while NPF has a positive influence on the profit sharing of Mudharabah Deposits. These results also indicate that simultaneously the Financing to Deposit Ratio (FDR) and Non-Performing Financing (NPF) variables have a significant influence on the profit sharing of PT Bank Syariah Mandiri Mudharabah Deposits for the period 2011-2017. This is supported by the results of the coefficient of determination. The coefficient is 0.673 or 67.3% of profit sharing of the Mudharabah Deposits are influenced by the FDR and NPF variables, and the remaining 32.7% is influenced by other variables not used in this research model.</em>

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ANALISIS PENGARUH FAKTOR EKSTERNAL DAN INTERNAL PERBANKAN TERHADAP LIKUIDITAS PERBANKAN SYARIAH DI INDONESIAPERIODE JANUARI 2003 – OKTOBER 2015

al-Uqud Journal of Islamic Economics ◽

10.26740/jie.v1n1.p41-58 ◽

2017 ◽

Vol 1 (1) ◽

pp. 41

Author(s):

Lina Nugraha Rani

Keyword(s):

Global Financial Crisis ◽

Negative Influence ◽

Profit Sharing ◽

Positive Influence ◽

Series Data ◽

Islamic Banking ◽

Monthly Basis ◽

Times Series ◽

Cointegration Tests ◽

The Global Financial Crisis

Liquidity is the fulfillment of bank liabilities that must be considered in the Islamic banking operations and errors in the management of liquidity can cause loss of Islamic banking which have an impact on the decline for the profit sharing to deposits customers and shareholders of Islamic banking. This study was to investigate the influence of external factors (Economic Performance (EK), inflation (INF), the Global Financial Crisis (D07)) and internal (Non Performing Financing (NPF) and Rate of Return (Deposit)of banks to liquidity (FDR) of Sharia Banking in Indonesia.Data were collected on a monthly basis from January 2003 - October 2015 times series data are tested by unit root and cointegration using Eviews 6.1. to determine the relationship between the variables in the long run.Based on the results of cointegration tests indicate that in long term relationships, NPF and EK variables have a significant and negative influence on the FDR, RRD variables have significant and positive influence on the FDR while variable INF and D07 does not have a significant influence on the FDR. It can be concluded that the Islamic banking must pay attention to the increase in marketing of Islamic banking products to increase liquidity despite good economic conditions and lower financing problems to increase the liquidity of Islamic banking.

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PENGARUH RISIKO PEMBIAYAAN DAN PROPORSI PEMBIAYAAN NON INVESTASI TERHADAP PROFIT DISTRIBUTION MANAGEMENT PERBANKAN SYARIAH

Jurnal Riset Keuangan Dan Akuntansi ◽

10.25134/jrka.v3i2.935 ◽

2017 ◽

Vol 3 (2) ◽

Author(s):

Lia Dwi Martika

Keyword(s):

Quantitative Method ◽

Sampling Technique ◽

Gulf Cooperation Council ◽

Profit Sharing ◽

Positive Influence ◽

Islamic Banks ◽

Test Results ◽

Distribution Management ◽

Profit Distribution ◽

Investment Financing

ABSTRACTIslamic banks should be able to maintain the confidence of depositors to keep their funds in Islamic banks. One effort to do that is through the profit distribution management as well as possible so that depositors in Islamic banks keep their money in the bank. Profit Distribution Management (PDM) is an activity performed managers to manage the distribution of profits to fulfill responsibility of profit sharing Islamic banks to their depositors. The purpose of this research to analyze the influence of Risk Financing and Non Investment Financing Proportion toward Profit Distribution Management. This research was conducted in Islamic banks exist in Indonesia, Malaysia and the countries which are Gulf Cooperation Council (GCC). The sampling technique used was purposive sampling. Analysis of the data used is descriptive quantitative method and statistical analysis used panel data multiple regression with Eviews program. The test results showed risk financing significantly positive influence the profit distribution management. The results of hypothesis testing also found that the proportion of non-investment financing no significant effect on the profit distribution management in Islamic banks in Indonesia, Malaysia and the countries which are Gulf Cooperation Council (GCC).Keywords�� :�� Risk Financing, Non Investment Financing Proportion, Profit Distribution Management, Islamic banks in Indonesia, Malaysia and GCC.

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PENGARUH PENGGUNAAN LESSON PLAN BERBASIS MULTIPLE INTELLIGENCES TERHADAP PRESTASI BELAJAR MATEMATIKA SISWA

De Fermat : Jurnal Pendidikan Matematika ◽

10.36277/defermat.v1i1.12 ◽

2018 ◽

Vol 1 (1) ◽

pp. 20-30

Author(s):

Vigih Hery Kristanto

Keyword(s):

Statistical Analysis ◽

Mathematics Achievement ◽

Multiple Intelligences ◽

Hypothesis Test ◽

Statistical Tests ◽

Lesson Plan ◽

Statistical Test ◽

Achievement Test ◽

Test Results ◽

Mathematics Achievement Test

Tujuan dari penelitian ini adalah untuk mengetahui apakah penggunaan Lesson Plan berbasis Multiple Intelligences secara signifikan dapat meningkatkan prestasi belajar matematika siswa. Penelitian ini merupakan penelitian kuantitatif, sehingga menggunakan analisis statistik. Uji statistik yang digunakan untuk pengujian hipotesis adalah uji statistik non parametrik metode Wilcoxon. Instrumen yang digunakan adalah tes prestasi belajar matematika dengan kualitas valid yang diberikan oleh validator. Hasil uji hipotesis menunjukkan bahwa nilai Zobs = 4,9961, dengan Daerah Kritik (DK) = {Zobs | Zobs > 1,645}, hal ini mengakibatkan keputusan uji H0 ditolak. Dengan demikian, diperoleh kesimpulan bahwa penggunaan Lesson Plan berbasis Multiple Intelligences dapat meningkatkan prestasi belajar matematika siswa secara signifikan. Abstract The purpose of this research was to determine whether the use of Lesson Plan based Multiple Intelligences can significantly increase students' mathematics achievement. This research is quantitative, so using statistical analysis. The statistical test used to test the hypothesis is non-parametric statistical tests Wilcoxon method. The instrument used is a mathematics achievement test with valid quality provided by the validator. Hypothesis test results showed that the value Zobs = 4,9961, with criticism Regions (DK) = {Zobs | Zobs > 1.645}, this resulted in the decision H0 test. Thus, the conclusion that the use of Multiple Intelligences based Lesson Plan can increase students' mathematics achievement significantly.

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Faktor-Faktor yang Mempengaruhi Pemilihan Model Bagi Hasil Pada Sektor Pertanian di Wilayah Karesidenan Madiun

10.31219/osf.io/pk2hg ◽

2020 ◽

Author(s):

Suyoto Arief ◽

Adib Susilo

Keyword(s):

Regression Analysis ◽

Socioeconomic Factors ◽

Significant Influence ◽

Agricultural Production ◽

Revenue Sharing ◽

Test Results ◽

Significance Level ◽

Production Sharing ◽

Production Factors ◽

Selection Of

The purpose of this study was to determine whether socioeconomic factors, production factors, religiosity factors, and transparency factors influence the selection of agricultural production sharing models in the Residency of Madiun. This research is quantitative with multiple regression analysis. Based on the T-test, socioeconomic factors partially have a significant influence on the selection of agricultural production sharing models in the Madiun Residency of 3.701. Meanwhile, the factor of religiosity has a significant effect on the selection of agricultural production sharing models in the Madiun Residency with a significance level of 0.039. Furthermore, the factor of production does not have a significant effect with a significance level of 0.778. Finally, it is a factor that has a significant influence on the selection of revenue sharing models with a significance level of 0.008. While based on ANOVA test results, the F count of 10.288 with a significance level of 0.000 is smaller than 0.05, which means that socioeconomic, religiosity, production, and transparency factors simultaneously have an influence on the selection of revenue sharing models.

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ANALISIS PENGARUH FAKTOR EKSTERNAL DAN INTERNAL PERBANKAN TERHADAP LIKUIDITAS PERBANKAN SYARIAH DI INDONESIAPERIODE JANUARI 2003 – OKTOBER 2015

al-Uqud Journal of Islamic Economics ◽

10.26740/al-uqud.v1n1.p41-58 ◽

2017 ◽

Vol 1 (1) ◽

pp. 41

Author(s):

Lina Nugraha Rani

Keyword(s):

Global Financial Crisis ◽

Negative Influence ◽

Profit Sharing ◽

Positive Influence ◽

Series Data ◽

Islamic Banking ◽

Monthly Basis ◽

Times Series ◽

Cointegration Tests ◽

The Global Financial Crisis

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Pengaruh Bagi Hasil, Kelompok Acuan, Kepercayaan Dan Budaya Terhadap Minat Menjadi Nasabah Bank Syariah

JURNAL EKSPLORASI AKUNTANSI ◽

10.24036/jea.v1i3.145 ◽

2019 ◽

Vol 1 (3) ◽

pp. 1322-1336

Author(s):

Gicella Fanny Andriani1 ◽

Halmawati Halmawati

Keyword(s):

Multiple Regression ◽

Significant Influence ◽

Profit Sharing ◽

Positive Influence ◽

Islamic Banks ◽

Reference Groups ◽

Regression Techniques

This research aims to determine whether profit sharing, reference groups, beliefs and culture have a significant influence on the interest in being a customer of Islamic banks partially or simultaneously. A total of 95 questionnaires were returned with complete and processed conditions. By using multiple regression techniques, the results of the study show that profit sharing and reference groups do not affect the interest in becoming a customer of Islamic banks. Trust has a positive influence on the interest in becoming a customer of Islamic banks. The higher the level of trust in the bank, the higher the customer will invest funds in the bank. In addition, the culture has a positive influence on the interest of being a customer of Islamic banks, the stronger a person's culture, the interest in becoming a customer of Islamic banks will increase..

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Faktor-Faktor Yang Mempengaruhi Kemauan Wajib Pajak Orang Pribadi Untuk Mengikuti Tax Amnesty (Studi Empiris Pada Perguruan Tinggi Di Jakarta Barat)

Jurnal Ekonomi ◽

10.24912/je.v23i3.414 ◽

2018 ◽

Vol 23 (3) ◽

pp. 290

Author(s):

Henny Wirianata, Liana Susanto, Viriany, Yanti

Keyword(s):

Empirical Evidence ◽

Significant Influence ◽

Statistical Tests ◽

Positive Influence ◽

Primary Data ◽

Tax Amnesty ◽

Economic Faculty

The purpose of this research was to obtained an empirical evidence about the influence of continuous Government’s campaign, easiness of tax amnesty, tax amnesty’s rate, and tax sanctions on taxpayer’s willingness to enroll tax amnesty. This study use primary data from quesioners. Continuous Government’s campaign measured by 5 questions, easiness of tax amnesty 7 questions, tax amnesty’s rate 7 questions, tax sanctions 2 questions, and taxpayer’s willingnes 4 questions. The respondents were Lecturers in Economic Faculty in Tarumanagara University. This study used statistical tests. The results showed that continuous Government’s campaign and easiness of tax amnesty have sifnificant and positive influence toward taxpayer’s willingness. Meanwhile, tax amnesty’s rate and tax sanctions has no significant influence toward taxpayer’s willingness to enroll tax amnesty.

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Analysis Factors Affecting Anxiety In Pregnant Women On Sexual Relations at RSIA Siti Khadijah I Makassar

Window of Health Jurnal Kesehatan ◽

10.33368/woh.v0i0.136 ◽

2019 ◽

pp. 128-136

Author(s):

Yuliana Nelcy ◽

Sri Vitayani ◽

Hasriwiyani Habo Abbas

Keyword(s):

Pregnant Women ◽

Health Workers ◽

Statistical Tests ◽

Statistical Test ◽

P Value ◽

Risk Category ◽

Research Approach ◽

Test Results ◽

Sexual Relations ◽

Cross Sectional

Sexual relations are a primary need for married couples. However, many couples who disagree about sex during pregnancy are caused by anxiety from each partner. The general purpose of this research is to analyze the factors that influence anxiety in pregnant women against sexual relations in RSIA Sitti Khadijah 1 Makassar City.This research approach is observational, with a cross sectional approach. The population in this study were all pregnant women in RSIA Sitti Khadijah 1, Makassar City. The sample in this study was conducted by accidental sampling.The results showed the majority of respondents had the age in the risk category as many as 65.7%. The results of statistical tests obtained X2 count (7.672)> X table (5.991) and the value of p value = 0.024 <value of α = 0.05, most respondents have gestational age in the risk category as many as 53.7%. The results of statistical tests obtained X2 count (13,449)> X table (5,991) and p value = 0,001 <value α = 0,05, most respondents have parity in the risk category as many as 58,2%. Statistical test results obtained X2 count (9.217)> X table (5.991) and p value = 0.007 <value α = 0.05, most respondents have economic status in the category <UMK as many as 50.7%. The results of statistical tests obtained X2 count (8.941)> X table (5.991) and the value of p value = 0.009 <value of α = 0.05, most of the respondents did not work as many as 55.2%. Statistical test results obtained compute X2 (7,783)> X table (5,991) and p value = 0,019 <value α = 0,05, most respondents have education in the low category as many as 59,7%. The results of statistical tests obtained X2 count (4.353) <X table (5.991) and the value of p value = 0.117> the value of α = 0.05, the variables that most influence the anxiety in pregnant women on sexual relations are socio-economic.It is expected that health workers can be included in KIE (Information and Education Communication) regarding sexual activity so that it is expected that all pregnant women who have their pregnancies will not experience anxiety.Keywords: Age, Age of Pregnancy, Parity, Socio-Economic, Job, Education, Anxiety, Sexual RelationshipBibliography: 50 (1990 - 2017)

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DETERMINAN TABUNGAN MUDHARABAH DI INDONESIA

Signifikan Jurnal Ilmu Ekonomi ◽

10.15408/sjie.v2i2.2425 ◽

2013 ◽

Vol 2 (2) ◽

Author(s):

Roikhan Moch Aziz ◽

Siti Suharyanti

Keyword(s):

Time Series ◽

Least Squares ◽

Significant Influence ◽

Ordinary Least Squares ◽

Profit Sharing ◽

Islamic Banking ◽

Multiple Regressions ◽

Independent Variables ◽

Equivalent Rate ◽

Macro Variables

The objective of this research to determine how the influence of macro variables were Profit Sharing Ratio (equivalent rate), Inflation, GDP, and SWBI against Mudharabah Savings at Islamic Banking in Indonesia. The data used in this research were data time series by using multiple regressions and analysis by Ordinary Least Squares. The results showed that simultaneously independent variables (Profit Sharing ratio, Inflation, GDP, and SWBI have significant influence the dependent variable (MudharabaH Savings) with probability 0.000000. End that partially independent variables (Inflation with probability 0.0013, GDP with probability 0.0000, and SWBI with probability 0.0000 have positively influence and significantly to dependent variable (Mudharabah Savings) in the Islamic Banking of Indonesia. While between the variable independent (Profit Sharing ratio) to dependent variable (Mudharabah Savings) have not significantly with probability 0.2040, in the Islamic Banking of IndonesiaDOI: 10.15408/sjie.v2i2.2425

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