scholarly journals Determinant Factors of Non-Performing Loan among Non-Bank Financial Intermediaries in Malaysia

2021 ◽  
Vol 16 (8) ◽  
pp. 48
Author(s):  
M. A. Zariyawati ◽  
M. T. Hirnissa ◽  
K. A. Muhammad-Mujb

This study aimed to investigate the determinants of non-performing loans (NPLs) using a case of the Non-Bank Financial Intermediaries (NBFIs) in Malaysia during the period from 2009 to 2018. The study revealed that the level of NPLs can be attributed to both NBFI-specific factors (internal factors) and macroeconomic factors. The assessments on panel data analysis were done using STATA software. The results show that NBFI size, Profit (ROA), Lending Interest Rate (IR), and Inflation (INF) have a significant positive relationship with NPLs. The findings reveal that NPLs tend to increase with the deteriorating bank’s efficiency. The larger the NBFI size, higher profit, and high interest contribute to the increment of NPLs. Meanwhile, NPL also increases due to the change in economic condition, particularly with a rise in inflation rate. Hence, for NBFIs to decrease their NPLs, they should consider these factors during the lending process.

2019 ◽  
Vol 19 (1) ◽  
pp. 53-66
Author(s):  
Sitara Bibi ◽  
Fatima Mazhar

Using panel data analysis, this study investigates the relationship among Islamic bonds (Sukuk) and the performance of IB’s of Pakistan for the period of 2008-2017. The study has used two stages approach. At the first stage, the profitability and liquidity of banks have been measured by calculating financial ratios. These ratios were than further used in regression analysis to examine whether a relationship exists between Sukuk and the bank’s profitability and liquidity. Our study found a significant positive relationship among Sukuk and the liquidity of IB’s. While, the results show significant but negative relationship between Sukuk and profitability of IB’s. Based on the findings of the study, we concluded that Sukuk has an important role in enhancing the liquidity of IB’s but it has adverse impact on the profitability of IB’s of Pakistan. Thus, the emergence of Sukuk market may pose threats to the profitability of the IB’s of Pakistan.


2019 ◽  
Vol 19 (1) ◽  
pp. 53-66
Author(s):  
Sitara Bibi ◽  
Fatima Mazhar

Using panel data analysis, this study investigates the relationship among Islamic bonds (Sukuk) and the performance of IB’s of Pakistan for the period of 2008-2017. The study has used two stages approach. At the first stage, the profitability and liquidity of banks have been measured by calculating financial ratios. These ratios were than further used in regression analysis to examine whether a relationship exists between Sukuk and the bank’s profitability and liquidity. Our study found a significant positive relationship among Sukuk and the liquidity of IB’s. While, the results show significant but negative relationship between Sukuk and profitability of IB’s. Based on the findings of the study, we concluded that Sukuk has an important role in enhancing the liquidity of IB’s but it has adverse impact on the profitability of IB’s of Pakistan. Thus, the emergence of Sukuk market may pose threats to the profitability of the IB’s of Pakistan.


2021 ◽  
Vol 3 (3) ◽  
Author(s):  
Ameenullah Aman ◽  
Usman Ahmad ◽  
Sumera Muhammad Saleem

The main purpose of the study was to analyze the impact of macroeconomic factors on income inequality. The panel data analysis is conducted on the sample data of 36 Asian countries. The data of 19 years from the period 2001 to 2019 is collected to analyze the impact of interest rate, economic growth, FDI and exports. The findings revealed the positive relationship between income inequality and economic growth whereas FDI and exports have negative relationship with income inequality. Result of the study implies that authorities should pay special attention to design policies that encourage inward FDI and increase exports.


2017 ◽  
Vol 19 (4) ◽  
pp. 921-938 ◽  
Author(s):  
A. Q. Adeleke ◽  
A. Y. Bahaudin ◽  
A. M. Kamaruddeen

Significant number of empirical research works have reported contravening results regarding the effects of organizational internal factors on construction risk management. This prompted the introduction of a moderator variable. This research tested the moderating role of rules and regulations on the relationships between organizational internal factors and construction risk management. Drawing on discouragement and organizational control theory, this research studied the effects of organizational internal factors and rules and regulations on construction risk management among 238 employees operating in Abuja and Lagos State construction companies in Nigeria. Self-administered questionnaires were used to gather the data. Using the partial least squares structural equation modelling (PLS-SEM) for analysis, a significant positive relationship between organizational internal factors and construction risk management was acknowledged. This study also discovered a significant positive relationship between rules and regulations and construction risk management. As expected, rules and regulations was discovered to moderate the relationship between organizational internal factors and construction risk management, with a significant positive result. A significant interaction effect was also discovered between rules and regulations and organizational internal factors. The significance of this study on Nigerian construction industry was also highlighted.


Author(s):  
Binhan Elif Yilmaz ◽  
Ferda Yerdelen Tatoglu ◽  
Sinan Ataer

In this chapter, we have focused the impacts of 2008 global crisis on the debt policies and the sustainability of debts in the PIIGS Countries. For that, the circumstances of the global crisis are examined, and the economic condition before the crisis is handled. As a main objective, the public debt indicators of PIIGS Countries are pointed out. The ratios and budget units are evaluated in terms of sustainability of debts. While making these evaluations and examinations our method was panel data analysis which can be found at the end of this chapter. In this method, public debt ratios and the sustainability conditions of the public debts in the PIIGS Countries are used as the determinants of public debts sustainability.


Author(s):  
Filiz Eryılmaz ◽  
Hasan Bakır ◽  
Mehmet Mercan

The relationship between financial development and economic growth has been the subject of considerable debate in development and growth literature. Therefore this chapter provides evidence on the role of financial development in accounting for economic growth in 23 OECD countries (Italy, Japan, Luxemburg, Holland, New Zealand, Norway, Portugal, Spain, Sweden, Switzerland, England, USA, Australia, Austria, Belgium, Canada, Denmark, Finland, Turkey, France, Germany, Greece, Iceland) via panel data analysis using the annual data for the period 1980-2012. The authors find a positive relationship between financial development and economic growth for all countries. Also this result means that financial development leads economic growth in these countries. So the results may help policymakers formulate effective financial sector policies as a tool to promote economic growth.


2020 ◽  
Vol 8 (5) ◽  
pp. 48-57
Author(s):  
Najmudin ◽  
Ekaningtyas Widiastuti ◽  
Ghifari Taufiqurrahman

Purpose of the study: The purpose of this study is to investigate the effect of corporate Islamic bond issuance, internal and macroeconomic factors on firm's profitability. The internal factors involved potentially as determinants of profitability are leverage and firm size. Meanwhile, the macroeconomic factors are economic growth and the inflation rate. Methodology: The sample is taken from companies listed at Indonesia Stock Exchange (IDX) and selected from 24 companies. The sample is 21 companies whose data completely and issued the Islamic bond during the period 2012 until 2018. Moreover, the panel data regression was employed as an analytical tool to test the data. Main Findings: The results suggest that Islamic bond issuance and financial leverage have a negative influence on profitability, firm size has no significant influence on profitability, and economic growth and inflation rate have a positive influence on profitability. Applications of this study: A firm, as well as an investor, must consider the lower Islamic bond issuance and debt proportion. Besides, they should anticipate decreased economic growth and the inflation rate. Novelty/Originality of this study: This study observes evidence from Indonesia Stock Exchange (IDX) that develops the previous studies and adds references for further studies about Islamic bond issuance. Also, it combines Islamic fund source and firm-specific internal as well as macroeconomic factors (economic growth and inflation rate) macroeconomics factors insert what are the macroeconomic factor which affects the profitability of the business to give a clear picture of how the effect of all factors on profitability.


Psycho Idea ◽  
2020 ◽  
Vol 18 (1) ◽  
pp. 8
Author(s):  
Yuniar Siwi Dwi Atia ◽  
Christiana Hari Soetjiningsih

ABSTRACTThis purpose of this study is to examine whether introvert personality types can lead to burnout at nurses who work in RSUD Karanganyar. The subjects of this study involved 84 nurses with the characteristics of the subject being nurses who had worked for at least 1 year. Data collection methods used in this study are introvert personality scale and burnout scale. The results of data analysis show that there is a significant positive relationship between introvert personality types and burnout at nurses who work in RSUD Karanganyar, which is the higher the introvert personality types owned by nurses, the higher the chance of burnout, so the hypothesis of this study is accepted. This indicates that the introvert personality types is determining the chances of burnout appearing at nurses.Keywords: Introvert Personality Type, Burnout, NurseABSTRAKPenelitian ini bertujuan untuk menguji apakah tipe kepribadian introvert dapat mengakibatkan burnout pada perawat yang bekerja di RSUD Karanganyar. Subjek penelitian ini melibatkan perawat sebanyak 84 orang dengan karakteristik subjek adalah perawat yang minimal sudah bekerja selama 1 tahun. Metode pengumpulan data yang digunakan dalam penelitian ini adalah skala kepribadian introvert dan skala burnout. Hasil analisis data menunjukkan bahwa terdapat hubungan positif yang signifikan antara tipe kepribadian introvert dengan burnout pada perawat RSUD Karanganyar, dimana semakin tinggi tipe kepribadian introvert yang dimiliki oleh perawat, maka semakin tinggi peluang munculnya burnout, sehingga hipotesis dalam penelitian ini diterima. Hal tersebut mengindikasikan bahwa tipe kepribadian introvert menentukan peluang munculnya burnout pada perawat.Kata kunci: Tipe Kepribadian Introvert, Burnout, Perawat


Author(s):  
May Fitriana Hasibuan

  Abstrak Penelitian ini bertujuan untuk mengetahui apakah terdapat hubungan positif yang signifikan antara kecerdasan linguistik dengan hasil belajar matematika siswa dan untuk mengetahui bagaimana hasil kecerdasan linguistik siswa ditinjau dari tes verbal. Penelitian ini dilaksanakan di SMA Swasta Taman Siswa Lubuk Pakam Tahun Pelajaran 2018/219. Populasi dalam penelitian ini adalah semua kelas XI IPA SMA Swasta Taman Siswa Lubuk Pakam Tahun Pelajaran 2018/2019 yang berjumlah 200 orang yang terdiri dari lima kelas. Sampel penelitian ditentukan secara random, maka yang terpilih adalah kelas XI IPA-2. Instrumen yang digunakan dalam penelitian ini adalah berupa tes verbal sebanyak 40 butir soal dan tes hasil belajar matematika sebanyak 20 butir soal. Tes ini berbentuk pilihan berganda yang masing-masing tes terlebih dahulu diminta tanggapannya 3 orang validator dan telah di ujicobakan. Sebelum pengujian hipotesis terlebih dahulu dilakukan uji persyaratan analisis data yakni uji normalitas dan uji homogenitas. Dari perhitungan uji normalitas dengan menggunakan uji galat baku liliefors diperoleh L0 = 0,1051 < Lt = 0,140 karena L0 < Lt maka data berasal dari populasi yang berdistribusi normal. Selanjutnya dilakukan uji homogenitas diperoleh Fh = 1,09 <F0,05(39,39) = 1,80 maka varians populasi data berasal dari populasi homogeny. Kemudian berdasarkan uji linieritas dan uji signifikansi regresi diperoleh bahwa model regresi  mempunyai hubungan yang linier dan signifikan dengan taraf ? = 0,05. Berdasarkan hasil analisis data dengan menggunakan koefisien korelasi diperoleh rXY = 0,53. Ini berarti terdapat hubungan yang positif antara kecerdasan linguistik dengan hasil belajar matematika siswa, kemudian dilakukan pengujian hipotesis dengan statistik t dan diperoleh th = 3,85 yang lebih besar dari tt = 1,6449 pada taraf ? = 0,05 dan dk = 28. Ini berarti selain terdapat hubungan positif juga terdapat hubungan yang signifikan antara kecerdasan linguistik dengan hasil belajar matematika. Dengan demikian hipotesis penelitian diterima yaitu ada hubungan positif yang signifikan antara kecerdasan linguistik dengan hasil belajar matematika siswa kelas XI SMA Swasta Taman Siswa Lubuk Pakam Tahun Pelajaran 2018/2019. Berdasarkan data hasil tes kecerdasan linguistik yang menggunakan tes verbal yang terdiri dari 8 bagian  maka diperoleh skor terendah 14 dengan persentase jawaban yang benar 35% dan skor tertinggi 32 dengan persentase jawaban yang benar 80%. Kemudian diperoleh persentase siswa yang menjawab dengan benar dari masing-masing tes kecerdasan verbal yaitu tes sinonim 79% tes antonim 73,5%, tes kelompok kata 55%, tes padanan hubungan kata 54%, tes perbendaharaan kata 62,5%, tes analogi 51%, tes similariti 54%, tes kemampuan analitik 54%.   Kata kunci : Kecerdasan Linguistik, Hasil Belajar Matematika,     Abstrac This study aims to determine whether there is a significant positive relationship between linguistic intelligence and students 'mathematics learning outcomes and to find out how the results of students' linguistic intelligence are seen from verbal tests. This research was conducted at the Taman Siswa Lubuk Pakam Private High School Learning Year 2018/219. The population in this study were all SMA XI IPA Taman Siswa Lubuk Pakam Learning Year 2018/2019  which amounted to 200 people consisting of five classes. The study sample was determined randomly, so the selected class XI IPA-2. The instrument used in this study was a verbal test of 40 items and a test of mathematics learning outcomes of 20 items. This test is in the form of multiple choices, each of which is asked for responses by 3 validators and has been tested. Before testing the hypothesis, the test requirements for data analysis were carried out, namely the normality test and homogeneity test. From the calculation of the normality test using the liliefors standard error test obtained L0 = 0.1051 <Lt = 0.140 because L0 <Lt then the data comes from populations that are normally distributed. Furthermore, the homogeneity test was obtained by Fh = 1.09 <F0.05 (39.39) = 1.80, the data population variance came from homogeneous populations. Then based on the linearity test and regression significance test, it was found that the regression model  had a linear and significant relationship with the level of ? = 0.05. Based on the results of data analysis using the correlation coefficient obtained rXY = 0.53. This means that there is a positive relationship between linguistic intelligence and student mathematics learning outcomes, then hypothesis testing is done with t statistics and obtained th = 3.85 which is greater than tt = 1.6449 at level ? = 0.05 and dk = 28. This means that besides there is a positive relationship there is also a significant relationship between linguistic intelligence and learning outcomes in mathematics. Thus the research hypothesis is accepted, namely there is a significant positive relationship between linguistic intelligence and the mathematics learning outcomes of class XI students of Taman Siswa Lubuk Pakam Private High School Learning Year 2018/2019. Based on the data from the linguistic intelligence test using verbal tests consisting of 8 parts, the lowest score of 14 was obtained with the percentage of correct answers 35% and the highest score of 32 with the percentage of correct answers 80%. Then the percentage of students who answered correctly from each verbal intelligence test, namely synonym test 79% antonym test 73.5%, 55% word group test, 54% word relationship matching test, 62.5% vocabulary test, analogy test 51%, 54% similarity test, 54% analytical ability test.   Keywords: Linguistic Intelligence, Mathematics Learning Outcomes


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