BANK SPECIFIC AND MACROECONOMIC FACTORS INFLUENCING ISLAMIC BANKS DEPOSITS

Deposits are like the bloodline for banks as they determine banks' lending capacity and a country's economic savings. However, the existence of a dual banking system poses a challenge to Malaysian Islamic banks competing for deposits. Despite this problem, few investigations were done to comprehensively identify the factors that could help banks attract deposits, particularly for Islamic banks. The purpose of this paper is to fill this gap on deposits of 16 Islamic banks in Malaysia. Secondary data from the bank's annual reports and the Department of Statistics of Malaysia from 2015 to 2019 were analyzed, comprising Islamic Bank Deposits and seven predictors in an empirical model using STATA. The result shows a strong model fit with 92% R squared value that Return on Assets, bank concentration, and Business Enterprise Depositor affect Islamic Bank Deposits positively and significantly while Capital Adequacy Ratio showed negative and significant influence on the deposits. These factors are strongly effective to deposits, significant at 1% level. In contrast, Financing Deposit Ratio and Gross Domestic Product do not significantly influence Islamic deposits. Contrary to economic theory, this study found that an increase in inflation encourages customers to increase their saving deposits in Malaysian Islamic banks. The findings from this study are unique to Malaysian Islamic banks. They indicate important policy implications for Islamic banks practitioners, namely, to increase their focus on business enterprise customers, improve bank's market share and profitability in order to increase deposits while taking advantage of high inflationary period to attract more depositors.

Business Credit, Household Credit and Economic Performance in Malaysia: A Quantile Regression Approach

This study examines the effects of business (enterprise) credit and household credit on economic performance in Malaysia. The World Bank’s Doing Business report ranked Malaysia at number one among developing countries in terms of ease of getting credit in the six consecutive years since 2008. The analysis is based on quantile regression estimations, using quarterly time series datasets from 1999: Q4 to 2019: Q4. The empirical findings reveal that business credit is positively associated with economic performance whereas household credit is an insignificant determinant of economic performance. We also consider the interaction between credit and institutional quality, an emerging key fundamental variable that determines economic performance. The results demonstrate that only the interaction term between business credit and institutions is statistically significant. In short, business credit outperforms household credit in promoting economic performance in Malaysia. The empirical findings are robust to alternative control variables and quantile regression estimation techniques.

TRANSCREATION AS A NEW APPROACH TO TRANSLATION OF ADVERTISING TEXTS AND SLOGANS

The commercial success of any business enterprise in the age of globalization and internationalization depends on the choice of marketing strategy. To remain competitive, all industries must follow new trends and face new challenges. In the context of the current market requirements, a new strategy for translating advertisements and slogans called transcreation has been attracting more attention and is an emergent trend for the Ukrainian market. In this study, we examine the phenomenon of transcreation and present an analysis of texts resulting from the application of the translation strategy. The problem of advertisement translation has been attracting attention of the modern linguists as the main task of a translator is 1) to choose the appropriate translation strategy so as 2) to clearly convey to the recipient the intended information of the original text considering all implicit as well as explicit shades of original message. One of the challenges in translating advertisements is the preservation of the communicative functions embedded in the original text or slogan. In our work, we covered the concept of "transcreation", analysed the translation of advertising slogans of world-famous German companies, as well as conducted a psycho-linguistic experiment using an online Google Forms questionnaire. Fifty-two informants evaluated nuances of the meanings on which advertising slogans and their translations were focused by transcreation. The results of our study can be used in training programs for future translators. Key words: translation, translation strategy, translation of advertising texts, advertising slogans, transcreation, adaptation, psycho-linguistic experiment.

ENTERPRISE ARCHITECTURE DESIGN USING ENTERPRISE ARCHITECTURE PLANNING (EAP) METHOD IN KELURAHAN SINDANGJAYA OFFICE MANDALAJATI DISTRICT BANDUNG CITY

In today's information era, the ability to do business or carry out activities is reliant on the availability of information technology is needed in most of the business sector. Along with the expansion of information technology, however, it frequently introduces new problems such as data redundancy, technological platforms, and excessive information technology spending. To avoid the problem that frequently happens, organizations require IS planning that may create alignment between IT and the business. Enterprise Architecture Planning (EAP) is a Zachman Framework-based Enterprise architecture methodology. The first stage is Planning Initialization, which aims to design information technology for the future utilizing the Enterprise Architecture Planning (EAP) process (starting), second, we'll look at business modeling, systems, and present technology (where we are now) , third, data architecture, applications, and technology (recommendations), and fourth, implementation (Achievements). The existence of a recommendation or blueprint given to the Sindangjaya Ward Office is expected to solve in the resolution of problems at the ward office, and it is hoped that the method used can be applied and understood when the need for future development, particularly in the IT field.

CORRELATION OF WORKER WELFARE AND INDUSTRIAL RELATIONS

The smooth running of business in activities in the workplace occurs when there is a harmonious relationship between employers and workers based on working relationships in an industrial environment. Workers should feel well-being as part of the membership of a business enterprise. This study aims to determine the correlation between worker welfare and industrial relations. Observations were made in a company with a workforce of more than 1000 people in East Java Province. The number of samples taken was 100 people with purposive sampling technique. The collected data is then processed through the SPSS program with statistical correlation techniques. The results obtained are that there is a significant correlation of worker welfare and industrial relations. The form of correlation is positive or unidirectional and quite strong. The better and the welfare felt by the workers, the better and harmonious industrial relations will be created on both sides.

Understanding the Features of Internet of Things (IoT) and Big Data Analysis

In the information era, enormous amounts of data have become available on hand to decision makers.Big data refers to datasets that are not only big, but also high in variety and velocity, which makes them difficult to handle using traditional tools and techniques. Due to the rapid growth of such data, solutions need to be studied and provided in order to handle and extract value and knowledge from these datasets. The Internet of Things, or "IoT" for short, is about extending the power of the internet beyond computers and smartphones to a whole range of other things, processes and environments. IoT is at the epicentre of the Digital Transformation Revolution that is changing the shape of business, enterprise and people’s lives. This transformation influences everything from how we manage and operate our homes to automating processes across nearly all industries. This paper aims to analyse the relationships of AI, big data and IoT, as well as the opportunities provided by the applications in various operational domains.

“Feudal Barons Extracting Tribute”: Narratives of Market Power in the Australian Retail Property Sector during the 1980s

This article analyzes the ways that shopping center tenants deployed narratives to encourage government intervention in the Australian retail property sector during the 1980s. Tenants claimed that landlords were abusing their market power through a range of egregious and exploitative practices. Landlords responded with stories of their own, claiming that amateurish retailers were using isolated cases to make broad generalizations about the industry as a whole. Politicians retold retailers’ stories in Parliament, championed small business enterprise as a driver of economic growth, and produced retail leasing legislation aimed at protecting shopping center tenants. In the process, established conceptions of shopping centers were inverted. In the 1960s and 1970s they were seen as bastions of capitalist enterprise constructed by nation-building visionaries. Through stories, retailers captured the cultural legitimacy of entrepreneurship from their landlords, who were characterized as feudal barons blocking the free operation of markets they controlled. Exploring these developments offers new insights into the relational dynamics of preplanned retail environments, expands our understanding of postwar Australian retail history, and contributes to a growing historiography on the role of narrative in business history.

TAX SUPPORT EVALUATION FOR R&D ACTIVITIES OF COMPANIES

The article evaluates the impact of tax support for R&D on the volume of R&D outputs generated by companies. The number of patent applications was chosen as the R&D metric for business output. Both linear dependence using linear regression and non-linear dependence using decision trees were used within the research. The significance of indirect support in the context of other sources of funding R&D activities of companies was primarily assessed. The dependence of the number of patent applications on individual sources of financing of the Business Enterprise Expenditure on R&D was examined. Even after scaling variables, the research in the period under review confirmed the strongest dependence between the number of patent applications and the financial resources provided by the Business enterprise sector for all countries surveyed. Subsequently, the model reduced by the impact of Business enterprise sector resources was created. Of the three remaining variables considered, the analysis showed the strongest dependence of the number of patent applications on the amount of indirect support. The research points to the fact that impact of tax support on the volume of relevant R&D outputs is relatively significant.