Pengaruh Persepsi Harga, Varian, dan Kualitas Produk Terhadap Keputusan Pembelian Smartphone Xiaomi

This study aims to see if Perception Of Price, Variance and Products, and Quality Of Products affect bot partial and simultaneous Decision Of Purchase. The population in this study was a student of IBIK Bogor who once use Xiaomi’s Smartphone in IBIK Bogor with 100 samples. The Slovin method used a is a non-sampling method with an approximate sampling type. The result of this study are as follows: (1) a Partial Value perceotions affect the decision of the purchase with a higher value T count than T table(3.316> 1.94). (2) a partial Product Variant affects the decision of the purchase with value of T greater than T table (3,461> 1.94). (3) The Quality of The Product is partial to the decision of the Purchase with a value of T count greater than T table (2.813> 1.94). (4) Perceptions Of Price, Variance Of Products, and Quality Of Products Simultaneously have positive and significant effects on purchasing decisions with greater F count than F table (65.297> 3.09) and significant value of 0.000. (5) The three independent variables (Value Perceptions, Product Variant, and Product Quality) are able to explain variations in dependencies (Purchasing Decision) of 67,3%, while 32,7% of purchasing decision are affected by other independent variables Keywords: perceived price, products’ varians, product quality, buying decision

Term - Deposit Waqf Linked Isthisna (TDWLI): Proposed Models, Accounting Aspects, and Risk Management Analysis

Islamic banking (further referred to as the Bank) faces two significant problems: excessive concentration in Murabaha financing contracts and high cost of funds. These two classic problems directly impact the development of the Bank and give rise to the stigma of a less innovative and unprofitable industry. This research aims to make a new product breakthrough that can help stakeholders overcome the two problems above. Term Deposit Waqf Linked Isthisna (TDWLI) has 4 variants: TDWLI Perpetual Principal, TDWLI Perpetual Principal + Profit Sharing, TDWLI Periodic Principal, TDWLI Periodic Principal, and + Profit Sharing. The TDWLI Periodic Principal is the variant that is most ready to be applied because, in accounting terms, it has been regulated in PSAK 112. In general, this TDWLI product will provide several advantages for banks to reduce the cost of funds (especially in the main variant of Waqf only). It will increase Isthisna financing, referring to OJK data in 2019, only 0.3% of total financing. In terms of accounting treatment, PSAK 112 must be adjusted especially if the Bank will release a Perpetual-based product variant. The main problem with perpetual-based products is the uncommon features. In perpetual, cash waqf cannot be withdrawn or, in other words, eternal. This research recommends that OJK is expected to study this product more deeply to develop healthy and innovative Islamic banking.Abstrak: Perbankan syariah (selanjutnya disebut Bank) saat ini sedang menghadapi 2 masalah besar yaitu konsentrasi berlebihan di akad pembiayaan Murabaha serta tingginya Cost of Fund. Kedua masalah klasik ini berdampak langsung kepada perkembangan Bank dan memunculkan stigma industry yang kurang inovatif dan tidak menguntungkan. Penelitian ini bertujuan untuk membuat terobosan produk baru yang dapat membantu stakeholders dalam mengatasi kedua masalah diatas. Produk Deposito Waqf Linked Isthisna (DWLI) dengan 4 varian nya baik itu DWLI Perpetual Pokok, DWLI Perpetual Pokok + Bagi Hasil, DWLI Periodic Pokok dan DWLI Periodic Pokok + Bagi Hasil. DWLI Periodic Pokok menjadi varian yang paling siap untuk diaplikasikan karena secara akuntansi sudah diatur dalam PSAK 112. Secara umum produk DWLI ini akan memberikan beberapa keuntungan bagi bank dalam rangka menurunkan cost of fund (terutama pada varian Wakaf pokok saja) serta akan menaikkan pembiayaan Isthisna yang merujuk kepada data OJK tahun 2019 hanya 0,3% dari total pembiayaan. Secara perlakuan akuntansi, PSAK 112 harus disesuaikan terutama apabila Bank akan merelaisasikan varian produk berbasis Perpetual. Permasalahan utama dari produk berbasis perpetual adalah ketidak umuman fitur dimana dalam perpetual, Wakaf uang tidak dapat ditarik atau dengan kata lain abadi. Rekomendasi dari penelitian ini adalah OJK diharapkan dapat mengkaji produk ini lebih dalam demi perkembangan perbank syariah yang sehat dan inovatif.Islamic banking (further referred to as the Bank) faces two significant problems: excessive concentration in Murabaha financing contracts and high cost of funds. These two classic problems directly impact the development of the Bank and give rise to the stigma of a less innovative and unprofitable industry. This research aims to make a new product breakthrough that can help stakeholders overcome the two problems above. Term Deposit Waqf Linked Isthisna (TDWLI) has 4 variants: TDWLI Perpetual Principal, TDWLI Perpetual Principal + Profit Sharing, TDWLI Periodic Principal, TDWLI Periodic Principal, and + Profit Sharing. The TDWLI Periodic Principal is the variant that is most ready to be applied because, in accounting terms, it has been regulated in PSAK 112. In general, this TDWLI product will provide several advantages for banks to reduce the cost of funds (especially in the main variant of Waqf only). It will increase Isthisna financing, referring to OJK data in 2019, only 0.3% of total financing. In terms of accounting treatment, PSAK 112 must be adjusted especially if the Bank will release a Perpetual-based product variant. The main problem with perpetual-based products is the uncommon features. In perpetual, cash waqf cannot be withdrawn or, in other words, eternal. This research recommends that OJK is expected to study this product more deeply to develop healthy and innovative Islamic banking

A MULTI-DIMENSIONAL CONFIGURATION ALGORITHM FOR MODULAR PRODUCT ARCHITECTURES

With an increasing demand for product individualisation leading to increased product architecture complexity and -costs, modular kits are one common measure to cope with this issue. The management of such a modular kit as well as the methodical determination of a specific product variant is key to the manufacturer's success. As multiple influence factors need to be taken into account when configuring product variants, we propose a multi-dimensional geometric optimisation algorithm, allowing for prioritising varying customer demands and thereby determining the ideally balanced product variant.

Configuration Equilibrium Model of Product Variant Design Driven by Customer Requirements

In view of the dynamic change of customer requirements (CRs) during the process of product use, in this paper we propose a Bayesian Nash equilibrium configuration model for product variant design driven by CRs. By analyzing CRs, the complete variant requirements of the products can be obtained. Combined with modularization and parameterization variant design methods, a parametric variant instance is proposed. Since cost and delivery time are affected by the product variant design, firms and customers are established as two decision-making bodies, and Bayesian Nash theory is introduced to the product configuration. The theory takes the product cost and customer satisfaction as the payoff function of the game, and based on the threshold value search of the customer satisfaction it determines the strategy set of the two parties. The Nash equilibrium solution equation is established and solved by a simulated annealing algorithm. The optimal product configuration scheme satisfying the interests of both sides of the game is obtained. Finally, the automatic guided vehicle (AGV) is taken as an example to illustrate the effectiveness and practicability of the method.

An approach to generating the sequence of part variant design based on information transfer utility

PurposeProduct variant design can only be achieved after all its constituent parts have been implemented by variant design. It is necessary to plan the sequence of part variant design reasonably. The product variant design process involves a large amount of information transfer events at the dimensional level. A reasonable product variant design process needs to make full use of the information transfer characters of parts to decrease the uncertainty of product variant design process. The existing methods of researching the product variant design process mainly focus on resource constraint and activity logic. They are deficient, however, in information transfer resolution and uncertainty management. This paper aims to address these issues.Design/methodology/approachThis paper identifies the number of dimension transfer paths and the position of dimension locating within a transfer path as being the key factors affecting the information transfer role of dimension. Information transfer utility is proposed to measure the information transfer capability of dimensions and parts. Based on these, a two-stage approach of generating the sequence of part variant design based on information transfer utility is proposed.FindingsThe uncertainty of dimension constraint network is minimal during the product variant design process when parts are implemented by variant design under the sequence generated through a two-stage method based on the information transfer utilities of parts, as does the times of parameter transferring and iteration in dimension constraint network.Originality/valuePart variant design under the sequence of descending information transferring utilities can decrease the difficulty of implementing product variant design validly and also increase the efficiency. This suggests an innovative method to planning the product variant design process reasonably from the perspective of informatics.