KNOWLEDGE AS THE INTERVENING VARIABLE ON RELIGIOSITY VALUE OF ACCOUNTANT STUDENTS' SAVING INTEREST FOR ISLAMIC BANKING

The development of Islamic economics in banking practices in society develops innovatively. Various sharia banking products have become the people's choice in supporting their daily economic activities. The same thing also happened to students. The purpose of study is to analyze the religiosity effect of students' interest in saving for Islamic banking with knowledge as intervening variable. Multiple linear regression is an analytical technique used here, with hypothesis testing and path analysis to support its conclusions. The result of this study is that the level of religiosity significantly effects on students' interest in saving for Islamic banking with positive relationship. Likewise, knowledge is able mediate the relationship between the religiosity variable and students' interest in saving.

SALARY: DOES AFFECT EMPLOYEE MOTIVATION AND PERFORMANCE?

Work is a mandatory thing that must be done to meet human needs. People work to make ends meet. One of the necessities of life can be fulfilled by means of income, namely wages or salaries. To get wages or salaries we are required to work professionally with the consequences of getting a bigger income. The purpose of this study was to determine and analyze the salary on work motivation and employee performance of UD. Sido Makmur Lumajang. population is all employees at UD. Sido Makmur Lumajang, as many as 35 employees. The sampling method used in this study was saturated samples. Methods of data analysis using Simple Linear Regression. The result of this research is that there is a relationship between salary and work motivation and employee performance.

IMPACT OF HALAL PRODUCTS ON PURCHASE DECISIONS AND CUSTOMER SATISFACTION

Halal is the main parameter in the product selection process. This provision places limitations on food products to enter the Muslim market. Ensuring that food consumed is halal is the responsibility of every Muslim. To make it easier to find out which food is consumed halal, especially packaged foods, it can be seen from the halal label listed on the food packaging. Labels on food products are very important to note. The purpose of this study is to determine and analyze halal products on purchasing decisions and consumer satisfaction. The population in this study were buyers of AZZA mineral water in Lumajang, as many as 150 buyers. The sampling method used in this study was purposive sampling. Methods of data analysis using Simple Linear Regression. The results of this study indicate that halal products have a significant effect on purchasing decisions and consumer satisfaction of AZZA mineral water in Lumajang.

INTELLIGENCE AS A PRODUCT MARKETING STRATEGY IN THE INTERNATIONAL MARKET

One principal use of language is to communicate meaning, but it is also to establish and maintain relationship. There are the different aims in speaking skill and the implementation in activity, for casual conversation and discussion. The aim of this study is to know the influence of Intelligence in using English with the marketing strategy of a product in the International Market. The design of this study is correlation design since it used statistical measurement for the data analysis to describe the relationship between two variables and is analyzed by using Pearson-Product Moment formula. There are 62 purposive sampling from 4 classes and using three instruments: test of IQ, documentation, and assessment. The result of this study is the influence of Intelligence in using English and the marketing strategy of a product in the International Market is dominant with coefficient correlation 0.220. So, the null hypothesis (Ho) is rejected and the alternative hypothesis (Hi) is accepted.

IMPRESSION OF LIQUIDITY, LEVERAGE, AND INDEPENDENT COMMISSIONERS ON THE VALUE OF NATIONAL PRIVATE BANK GENERAL COMPANIES

Management hopes to make a profit with the intention of adding value to the company. Through the provision of sufficient bank funds to meet liquidity and lending to increase profitability and increasing company value. Company value is built by managing good company assets so that profits are obtained. This information gives a signal to the stock market and is responded by the market at stock prices. This study aims to determine the influence of liquidity, leverage, and independent commissioners on firm value. The study population is national private commercial banks listed on the Indonesia Stock Exchange in the 2014-2018 period. Samples were taken based on purpose sampling so that 17 samples were obtained. The study uses a linear regression approach with liquidity variables measured by Loan to Deposit Ratio, Leverage is measured by Debt to Equity Ratio, independent commissioners are measured by the number of independent commissioners, and company value is measured by Tobin's Q. The results that liquidity has a significant negative influence on the value of the company, leverage has no influence on the value of the company, and Independent Commissioners have a significant positive influence on the value of the company.