EFFECT OF FINANCING TO DEPOSIT RATIO AND NON-PERFORMING FINANCING OF RETURN ON ASSETS WITH A CAPITAL ADEQUACY RATIO AS VARIABLE INTERVENING IN ISLAMIC BANKING IN INDONESIA IN 2012-2019

Income in Islamic banks is primarily determined by how much profit or profit the bank receives. Several factors that become indicators of Islamic Bank income are financing funding and the lack of non-performing financing. The greater the financing of third-party funds, the greater the profit to be received, and the higher the NPF level, the lower the bank's profit. Banks with a large enough CAR will be able to increase bank profitability. The NPF variable harms ROA because a decrease in the NPF ratio will increase bank profits. And the CAR variable as an intervening variable also has a positive effect on ROA because an increased CAR will increase bank profitability. Whereas when the NPF decreases, the profitability of Islamic banks also decreases, while when FDR and CAR increase, ROA decreases. The formulation of the problem in this study is whether there is a partial and simultaneous influence of FDR and NPF on ROA?. Is there a partial and simultaneous influence of FDR, NPF, and CAR on ROA. This research is a quantitative study with the population of Islamic Commercial Banks in Indonesia registered with the Financial Services Authority (OJK). In comparison, the sample of this study was determined by purposive sampling method with criteria determined by the researcher so that 4 Islamic commercial banks were obtained from 2012 to 2019. This study used secondary data with research methods using quantitative methods with an associative approach. Data collection techniques were carried out by observation. The data analysis technique used in this research is the associative analysis technique, namely multiple linear regression testing, classical assumption test, hypothesis testing, coefficient of determination test, and path analysis. The results of this study indicate that partially the FDR variable has an insignificant negative effect on ROA, NPF has a significant negative effect on ROA. In comparison, CAR has a positive and significant effect on ROA. Simultaneously, the FDR and NPF variables have no significant effect on ROA. For the results of the path analysis, it is found that the CAR variable cannot mediate the effect of FDR and NPF on ROA.

Pengaruh Perilaku Kepemimpinan dan Pengalaman Kerja Kepala Sekolah terhadap Motivasi Berprestasi Guru Agama Islam di SMA Negeri Kota Jambi

This research aims to determine and analyze; (1) description of the principal's leadership behavior and the teacher's work experience towards the motivation of the achievement of religious teachers; (2) influence of the principal's leadership behavior on the motivation of teacher achievement; (3) the relationship between the teacher's work experience and the motivation of the teacher's performance; (4) Influence of the principal's leadership behavior and teacher work experience on the motivation of the teacher's religious achievement. The study used descriptive analysis survey methods, with a sample of 35 religious teachers and used correlation and regression analysis. The results of the study found that the magnitude of the simultaneous influence between the principal's leadership behavior (X1) and the teacher's work experience (X2) on the teacher's achievement motivation (Y) was 0.746 which was classified as weak. Meanwhile, the simultaneous contribution of the variables (X1) and (X2) to (Y) = R2 x100% or 0.7462 x 100% = 55.7% and the remaining 44.3% is determined by other variables. Then the rise and fall or the size of achievement motivation can be predicted through the regression equation: = 19.766 + 0.2213x1 + 0.9734x2. The results of this study can be drawn several sub-conclusions as follows: (1) the magnitude of the influence of the principal's leadership behavior variable (X1) on teacher achievement motivation (Y) is 0.606% while the contribution of the variable (X1) to (Y) is 36.72%. the remaining 63.28% is determined by other variables. (2) the magnitude of the influence of the teacher's work experience (X2) on the teacher's achievement motivation (Y) is 0.746% while the contribution of the variable (X2) to (Y) is 55.65% and the remaining 44.35% is determined by other variables. (3) the magnitude of the relationship between principal leadership behavior (X1) and teacher work experience (X2) is 0.609 then the contribution of variables (X1) and (X2) is 37.09% while the remaining 52.25%.

The Effect of Networking, Online Sales, Offline Sales, and Training on the Trust of Cooperative Members

This study aims to analyze the effect of networking, online sales, offline sales, and training on the trust of members of the Karya Utama Sejati cooperative. This research is important because optimal member trust can be influenced by Networking, online sales, offline sales, and training at Koperasi Karya Utama Sejati. The sample in this study were all members of the Karya Utama Sejati cooperative, totaling 58 people. The research design used is quantitative research with a descriptive approach with an emphasis on theory testing through measurement of research variables through distributing research questionnaires. The analysis technique in this study is to use multiple linear regression analysis with the help of SPSS 20.0 software. The results showed that the networking variables had an effect on member trust, online sales had an effect on member trust, offline sales had an effect on member trust and training had an effect on the trust of members of the Karya Utama Sejati Cooperative and there was a simultaneous influence on networking, online sales, offline sales and training on trust members of the Karya Utama Sejati cooperative. The advice that can be given to the Karya Utama Sejati cooperative is to improve networking, online sales, offline sales, and training to maximize the trust of cooperative members and achieve the vision and mission of the cooperative.

EFEKTIVITAS PELAYANAN DINAS PENANAMAN MODAL DAN PELAYANAN TERPADU SATU PINTU DALAM MENINGKATKAN INVESTASI DI KABUPATEN PANGKEP

Penelitian ini bertujuan untuk mengetahui dan menganalisis: 1) pengaruh secara parsial variabel independen (kualitas pelayanan) terhadap variabel dependen (tingkat investasi) di Dinas PMPTSP Kabupaten Pangkep. 2) pengaruh secara simultan variabel independen (kualitas pelayanan) terhadap variabel dependen (tingkat investasi) di Dinas PMPTSP Kabupaten Pangkep. Jenis penelitian yang akan digunakan dalam penelitian ini adalah penelitian kuantitatif dengan tipe studi kasus (Case Study). Populasi dalam penelitian ini sebanyak 55 orang, teknik pengambilan sampel dalam penelitian ini menggunakan Sampling Jenuh, sampel sebanyak 55 orang sebagai responden, teknik pengumpulan data menggunakan kuesioner dan dukumentasi. Teknik analisis data dalam penelitian ini menggunakan analisis deskriptif dan analisis inferensial. Hasil penelitian menunjukan bahwa pengaruh secara parsial dan simultan variabel independen (kualitas pelayanan) terhadap variabel dependen (tingkat investasi) di Dinas PMPTSP Kabupaten Pangkep terdapat kualitas pelayanan Dinas PMPTSP dalam meningkatkan investasi di Kabupaten Pangkep seperti kejelasan tujuan, kejelasan strategi, proses analisis kebijakan, perencanaan, penyusunan program, sarana dan prasarana, sistem pengawasan, dan sistem pengendalian. This study aims to determine and analyze: 1) the partial effect of the independent variable (service quality) on the dependent variable (investment level) in the PMPTSP Office of Pangkep Regency. 2) the simultaneous influence of the independent variable (service quality) on the dependent variable (investment level) in the PMPTSP Office of Pangkep Regency. The type of research that will be used in this research is quantitative research with case study type. The population in this study was 55 people, the sampling technique in this study used saturated sampling, a sample of 55 people as respondents, data collection techniques used questionnaires and documentation. The data analysis technique in this study used descriptive analysis and inferential analysis. The results showed that the partial and simultaneous influence of the independent variable (quality of service) on the dependent variable (level of investment) in the PMPTSP Office of Pangkep Regency there was the quality of service of the PMPTSP Service in increasing investment in Pangkep Regency such as clarity of objectives, clarity of strategy, policy analysis process, planning, program preparation, facilities and infrastructure, supervision system, and control system.

Determination of the maximum dangerous width of a rail track on a reinforced concrete base with fasteners of the КБ type, taking into account all influencing factors

Railway track retention standards in Ukraine do not take into account theconstruction of the subrail base, but regulate one for all types maximum dangerous value of the trackwidth, which was changed from 1546 mm to 1548 mm without any justification of scientific researchor explanations of the effects of tolerances the width of the rail track and the wheel track, which ingeneral at that time were not fully investigated but taking into account the emergence anddevelopment of new scientific problems associated with the emergence of intensive lateral wear ofrails and ridges of locomotive and wagon wheels. The deterministic dependences of lateralimpressions of the P65 type rail thread head on the simultaneous influence of vertical and horizontalforces for the newly installed repair profiles of UZ rolling stock on the basis of previously performedexperimental and theoretical studies were investigated. The results allow at this stage of research todetermine and calculate the practical values of the maximum dangerous width of the track, in whichthe subrail base consists of reinforced concrete sleepers and separate rail fasteners, which are usedboth on conventional highways with mixed traffic and on high-speed lines UZ.The article establishes the need to take into account new factors influencing the dangerouswidth of the rail track with intermediate rail fasteners of separate type depending on the load stress of sections and new repair profiles of rolling stock, as well as wear processes of intermediate railfasteners type KБ and its elements on the appearance of elastic backlash in the lateral direction fromthe influence of the guide wheels of the rolling stock. The recommended value of the maximum widthof the rail track for areas where service or emergency braking is applied - 1550 mm, taking intoaccount that the contact of the wheel and the rail is not at a point, but on an ellipse. The establishednorm of the maximum width of a rail track allows to define economic efficiency of introduction in theconditions of operation of a track in curved sections of a track of small radii with limited use of themaximum admissible lateral wear (15 mm) of a head of a rail thread provided that the normal-forcedentry of rolling stock carts.

The Influence of Leadership Style and Organizational Culture on Job Satisfaction of the CUG Konsepsi Filosofi Petani Pancur Kasih Pontianak

The purpose of this study is to determine the influence of leadership study variables and organizational culture both simultaneously and partially on the job satisfaction of Credit Union Gerakan Konsepsi Filosofi Petani Pancur Kasih Pontianak Activists. The analytical method used is referred to as the associative method and multiple linear regression analysis. The respondents of this study are all Credit Union Gerakan Konsepsi Filosofi Petani Pancur Kasih Pontianak Activists totalling 33 people. The results of applying this study to an F test show that there is a simultaneous influence between leadership style variables and organizational culture variables on job satisfaction while the results of hypothesis testing using a T-test show that there is a partial influence between leadership style variables on job satisfaction, but there is no partial influence between organizational culture variables on job satisfaction. The conclusion from the results of this study is that the leadership style variables and organizational culture variables have a simultaneous influence on job satisfaction, and there is a partial influence of leadership style variables on job satisfaction but there is no influence of organizational culture variables on job satisfaction.

Pengaruh literasi ekonomi dan literasi keuangan terhadap sikap tentang gaya hidup hedonis mahasiswa aktivis UKM organisasi pecinta musik (OPUS) 275 Universitas Negeri Malang

Research has been carried out on the effect of economic literacy and financial literacy on attitudes about hedonic lifestyles. This study aims to determine whether there is a partial or simultaneous influence of economic literacy and financial literacy on attitudes about hedonic lifestyles. This study uses a quantitative research method that is explanatory by explaining the effect of the independent variable on the dependent variable. The results showed that there was no significant and significant effect between economic literacy and financial literacy on attitudes about life partially, but there was a significant and significant effect of economic literacy and financial literacy on attitudes about hedonic lifestyles simultaneously. Abstrak Telah dilakukan penelitian mengenai pengaruh literasi ekonomi dan literasi keuangan terhadap sikap tentang gaya hidup hedonis. Penelitian ini bertujuan untuk mengetahui apakah terdapat pengaruh secara parsial maupun simultan literasi ekonomi dan literasi keuangan terhadap sikap tentang gaya hidup hedonis. Penelitian ini menggunakan metode penelitian kuantitatif yang bersifat eksplanasi dengan menjelaskan pengaruh variabel bebas terhadap variabel terikat. Hasil penelitian menunjukkan tidak terdapat pengaruh dan signifikan antara literasi ekonomi dan literasi keuangan terhadap sikap tentang gaya hidup secara parsial, namun terdapat pengaruh dan signifikan literasi ekonomi dan literasi keuangan terhadap sikap tentang gaya hidup hedonis secara simultan.

Pengaruh Supervisi Akademik Kepala Sekolah dan Budaya Sekolah Terhadap Mutu Mengajar Guru

The purpose of this study was to determine 1) The effect of the principal's academic supervision and school culture simultaneously on the quality of teacher teaching, 2) The influence of the principal's academic supervision on the teaching quality of teachers, 3) The influence of school culture on the teaching quality of teachers at SMAN 6 Wajo. This research is a quantitative descriptive research, the population is all teachers of SMAN 6 Wajo. The sample is 54 people. The results of the study show 1) There is a simultaneous influence of the principal's academic supervision and school culture on the teaching quality of teachers, where the principal's supervision indicators are in the good category, while school culture and teacher teaching quality descriptively are in the very good category, 2) There is an influence The principal's academic supervision on the teaching quality of teachers, where the principal's academic supervision has a significant effect on the teaching quality of teachers, it means that the better the principal's academic supervision, the better the teacher's teaching quality, 3) There is an influence of school culture on the teaching quality of teachers at SMAN 6 Wajo where school culture has a significant effect on the quality of teacher teaching, meaning that the better or conducive school culture, the better the teaching quality of teachers.

PENGARUH CITRA MEREK, KEMUDAHAN TRANSAKSI DAN LOKASI TERHADAP KEPUTUSAN MENJADI ANGGOTA KOPERASI SYARIAH BMT BISMA TANGERANG

<em>This study aims to determine the effect of brand image, ease of transaction and location on the decision to become a member of the Sharia Cooperative BMT BISMA Kelapa Dua Tangerang. This study took the population of members of the BMT BISMA Kelapa Dua Sharia Cooperative with purposive sampling technique. The method used is descriptive quantitative by conducting statistical tests consisting of validity, reliability, classical assumption tests, multiple regression tests and hypothesis testing by testing brand image variables, transaction convenience and location partial or simultaneous influence on the decision. The findings of this study indicate that the ease of transaction and location variables have a positive and significant influence on the decision to become a member of the BMT BISMA Sharia Cooperative. While the brand image variable does not have a significant influence on the decision to become a member of the BMT BISMA Sharia Cooperative.</em>

Transcriptional integration of distinct microbial and nutritional signals by the small intestinal epithelium

To preserve its physiologic functions, the intestine must interpret and adapt to complex combinations of stimuli from dietary and microbial sources. However, the transcriptional strategies by which the intestinal epithelium integrates and adapts to dietary and microbial information remains unresolved. We compared adult mice reared germ free (GF) or conventionalized with a microbiota (CV) either fed normally or after a single high-fat meal (HFM). Jejunal epithelium preparations were queried using genomewide assays for RNA-seq, the activating histone mark H3K27ac ChIP-seq, and ChIP-seq of the microbially-responsive transcription factor HNF4A. We identified distinct nutritional and microbial responses at certain genes, but also apparent simultaneous influence of both stimuli at many other loci and regulatory regions. Increased expression levels and H3K27ac enrichment following HFM at a subset of these sites was dependent on microbial status. H3K27ac sites that were preferentially increased by HFM in the presence of microbes neighbor lipid anabolism and proliferation genes as well as intestinal stem cell (ISC) markers, were usually active only in ISCs, and were not HNF4A targets. In contrast, H3K27ac sites that were preferentially increased by HFM in the absence of microbes neighbored targets of the nuclear receptor and energy homeostasis regulator PPARA, were frequently accessible only in enterocytes, and were HNF4A bound. These results reveal that HNF4A supports a differentiated enterocyte and FAO program in GF, and that suppression of HNF4A by the combination of microbes and HFM may result in preferential activation of IEC proliferation programs. Microbial and nutritional responses are therefore integrated with some of the same transcriptional programs that regulate intestinal proliferation and differentiation.