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Perkembangan Industri Perbankan Syariah pada Pembiayaan yang Disalurkan (Libraryresearch) 伊斯兰银行业在金融融资方面的发展(图书馆研究)
Pub Date : 2020-04-20 DOI: 10.32483/MAPS.V3I2.43
Ade Irvi Nurul Husna, Arman Paramansyah
A number of indicators can show developments in the Islamic banking industry in Indonesia. The purpose of this study is to describe and interpret the results of observations regarding the Development of the Sharia Banking Industry, especially in Financing Distributed (PYD) in Indonesia. This research is a descriptive qualitative research with the approach used is library (library research) in which the collection of data and information obtained from library sources (readings) derived from books, journals, articles, and other reading material that has relevance to the topics in this research. Observations were made by examining the theories, concepts, statistical data, and regulations related to this research. So that in each analysis the main reference is found in the source of data concerning the development of the Islamic banking industry, especially in the financing channeled. The results of the study show that the PYD in the Islamic banking industry continued to show an increase from 2015, 2016, 2017, 2018 and 2019. In 2019 the PYD was at 343 trillion rupiah with a growth percentage of 12.94%.
若干指标可以显示印度尼西亚伊斯兰银行业的发展情况。本研究的目的是描述和解释关于伊斯兰银行业发展的观察结果,特别是在印度尼西亚的分布式融资(PYD)。本研究是一项描述性定性研究,使用的方法是图书馆(图书馆研究),其中从图书馆来源(阅读)中获得的数据和信息的收集,这些来源来自与本研究主题相关的书籍、期刊、文章和其他阅读材料。通过考察与本研究相关的理论、概念、统计数据和法规,得出了观察结果。因此,在每次分析中,主要参考的是有关伊斯兰银行业发展的数据来源,特别是在融资渠道方面。研究结果表明,伊斯兰银行业的PYD从2015年、2016年、2017年、2018年和2019年持续增长。2019年PYD为343万亿印尼盾,增长率为12.94%。
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引用次数: 0
Pengaruh Pelatihan dan Motivasi terhadap Produktivitas Karyawan di Bank Rakyat Indonesia Syariah Kantor Cabang Bandung Suniaraja 培训和激励印尼伊斯兰人民银行员工生产力的影响
Pub Date : 2020-04-20 DOI: 10.32483/maps.v3i2.40
Yasir Muharram Fauzi, Diana Dewi
This research was conducted to find out how much influence the Training and Motivation on Employee Productivity at Bank Syariah Syariah Bandung Branch Office Suniaraja. This study employs associative quantitative method, with a population of all bank employees and using saturated or census samples so that a questionnaire of 42 is needed to determine employee responses. Use the same pattern. In addition to data from questionnaires that were processed using the IBM SPSS Statistics 23 application, the authors also obtained data from experts' theories about training and motivation for employee productivity to strengthen analysis.Theresults showed that the trigger event was dominated by motivation rather than training. This can be seen from the test results between the two variables after the indicators are entered, the validity test, the validity test and other calculation results.As if combined between the two, this study revealed that the existence of training and providing motivation is very influential on employee productivity.
本研究是为了找出培训和激励对员工生产力有多大的影响在伊斯兰伊斯兰银行万隆分行。本研究采用关联定量方法,人口为所有银行员工,使用饱和或普查样本,因此需要42份问卷来确定员工的反应。使用相同的模式。除了使用IBM SPSS Statistics 23应用程序处理问卷数据外,作者还从专家关于培训和员工生产力动机的理论中获取数据,以加强分析。结果表明,触发事件主要是动机而非训练。这可以从指标输入后两个变量之间的检验结果、效度检验、效度检验等计算结果中看出。如果将两者结合起来,本研究揭示了培训和提供动机的存在对员工生产力的影响很大。
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引用次数: 2
Estimasi Pengaruh Faktor Internal Bank dan Stabilitas Makroekonomi terhadap Profitabilitas dengan Mediasi Rasio Pembiayaan Bermasalah di PT Bank Muamalat Indonesia 评估银行内部因素与宏观经济稳定性对盈利能力的影响,以调解问题融资比印度尼西亚Muamalat
Pub Date : 2020-04-20 DOI: 10.32483/MAPS.V3I2.37
A. Fathonah, D. Hermawan
This study aims to determine and analyze how much influence the bank's internal factors such as Equity, Operational Costs per Operating Income (BOPO), Financing Deposit to Ratio (FDR), Non Performing Financing (NPF) as a mediator and external or macroeconomic factors namely inflation and Gross Domestic Product (GDP) on profitability represented by Return on Assets (ROA) at Bank Muamalat Indonesia for the period 2008-2018. The data used in this research are secondary data obtained from the publication of quarterly financial statements from 2008 to quarter 2 of 2018. The method that used in this research is path analysis with SPSS 20.0 as the analytical tool. The results of the study partially test the hypothesis (t-test), in substructure I shows that the capital variable has a significant negative effect on NPF, BOPO and inflation has a significant positive effect on NPF, FDR and GDP do not significantly influence NPF at Bank Muamalat Indonesia. In substructure II partially, Capital, BOPO, significant negative effect on ROA, FDR and NPF has a significant positive effect on ROA, Inflation and GDP does not significantly influence ROA while simultaneously significantly influencing ROA. Based on the sobel test, capital has a significant effect on ROA through NPF, BOPO has a significant effect on ROA through NPF, FDR has a significant effect on ROA through NPF, Inflation has a significant effect on ROA through NPF, while GDP has no significant effect on ROA through NPF.
本研究旨在确定和分析银行的内部因素,如股权、每营业收入的运营成本(BOPO)、融资存款比率(FDR)、不良融资(NPF)作为中介,以及外部或宏观经济因素,即通货膨胀和国内生产总值(GDP)对印尼穆阿马拉银行2008-2018年期间资产回报率(ROA)所代表的盈利能力的影响程度。本研究中使用的数据是从2008年至2018年第二季度发布的季度财务报表中获得的二手数据。本研究采用的方法是路径分析,分析工具为SPSS 20.0。研究结果部分检验了假设(t检验),在子结构I中,资本变量对NPF有显著的负向影响,BOPO和通货膨胀对NPF有显著的正向影响,FDR和GDP对印尼Muamalat银行的NPF没有显著影响。在子结构II部分,资本、BOPO对ROA有显著的负向作用,FDR和NPF对ROA有显著的正向作用,通货膨胀和GDP对ROA没有显著影响,但同时对ROA有显著影响。通过sobel检验,资本通过NPF对ROA有显著影响,BOPO通过NPF对ROA有显著影响,FDR通过NPF对ROA有显著影响,通货膨胀通过NPF对ROA有显著影响,而GDP通过NPF对ROA没有显著影响。
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引用次数: 1
Pengaruh Promosi, Tingkat Harga dan Lokasi terhadap Keputusan Pembelian Rumah Berwawasan Syariah di Puri Nirana Cigelam Purwakarta 促销、价格水平和地理位置对在普瓦卡塔 Puri Nirana Cigelam 购买符合伊斯兰教法的房屋决策的影响
Pub Date : 2020-04-04 DOI: 10.32627/maps.v6i2.683
Putri Zafira Ruhliandini
The purpose of this study was to determine how much influence the promotion, price level, and location on the purchase decision of sharia-minded homes in Puri Nirana Cigelam Purwakarta, either partially simultaneusly. This research is objective, using quantitative methods and included in explanatory research. As both, because this study connects three variables, namely the implementation of promotions, price levels, and locations. Based on the results of the study, promotion variables, price levels, and location simultaneously have positive and significant influence on purchasing decisions of 93.4%. From the results of calculations using SPSS 16.0 for Windows, it shows that Fcount> Ftable ie, 562,106> 2.67 then Ha is accepted and H0 is rejected, which means that simultaneously there is a significant influence between promotion (X1), price level (X2), and location (X3) on purchasing decisions (Y).
本研究的目的是确定促销、价格水平和地理位置对普里尼拉纳西格拉姆普瓦卡塔地区有伊斯兰教信仰的家庭的购买决策有多大影响,部分影响同时存在。本研究是客观的,采用定量方法,属于解释性研究。由于本研究将促销活动的实施、价格水平和地点这三个变量联系在一起,因此本研究既是客观的,又是定量的。根据研究结果,促销变量、价格水平和地点同时对 93.4%的购买决策产生了积极而显著的影响。使用 SPSS 16.0 for Windows 计算的结果显示,Fcount>Ftable,即 562,106>2.67 则接受 Ha,拒绝 H0,即促销(X1)、价格水平(X2)和地点(X3)同时对购买决策(Y)有显著影响。
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引用次数: 0
PENGARUH PERBAIKAN BERKESINAMBUNGAN TERHADAP KINERJA KARYAWAN (STUDI KASUS DI PT.RENTANG BUANA NIAGAMAKMUR TASIKMALAYA) 持续改善员工绩效的影响(PT.跨度niagakaya taxi马来亚案例研究)
Pub Date : 2019-10-21 DOI: 10.32483/maps.v3i1.28
Sri Sudiarti
The objectives of this research are to know and to analyze about the effect of Continuous Improvement on the performance of employees at PT. Rentang Buana Niagamakmur (PT.RBN) Tasikmalaya. Research method which applied in this research is survey research method, while data collecting technique is done by through questionaire. Sampling technique applies sample is accidental sampling technique and the size sample is 55 respondents. Data analysis techniques used in the study is simple regression technique, analysis of the coefficient of determination  and t test. The results showed that the Continuous Improvement  including both criteria, including employee performance criteria, as well as Continuous Improvement  has a positive influence on employee performance of 76,4% in PT . Rentang Buana Niagamakmur (PT.RBN) Tasikmalaya.
本研究的目的是了解和分析持续改进对PT. Rentang Buana Niagamakmur (PT. rbn) Tasikmalaya员工绩效的影响。本研究采用的研究方法是调查研究法,数据收集技术是通过问卷调查来完成的。抽样技术采用抽样为偶然抽样技术,样本大小为55名被调查者。本研究采用的数据分析技术为简单回归分析、决定系数分析和t检验。结果表明,持续改进包括两个标准,包括员工绩效标准,以及持续改进对员工绩效的积极影响为76.4%。Rentang Buana Niagamakmur (PT.RBN) Tasikmalaya。
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引用次数: 1
PENGARUH MOTIVASI TERHADAP KINERJA KARYAWAN (STUDI KASUS DI KOPERASI SYARIAH INTISABI UJUNG BERUNG BANDUNG) 激励绩效的影响(伊斯兰合作社万隆偏远地区案例研究)
Pub Date : 2019-10-21 DOI: 10.32627/maps.v3i1.198
Yasir Muharram Fauzi
This research is motivated by a fundamental problem in all organizations, namely the events that occur in the field of organizational dynamics which, according to the initial hypothesis, there are problems regarding polarization and optimization of the ability to empower Human Resources, especially in terms of motivation. The task of the organization is how to manage human resources in order to carry out the tasks as expected to achieve organizational goals. Then the organization must be able to build and improve employee performance. This can be accomplished in several ways. In this case the researchers tested the effect of motivation on employee performance at the Ujung Berung Bandung Syariah Instisabi Cooperative. The purpose of this research is to find out how much influence the motivation has on employee performance at the Ujung Berung Bandung Syariah Instisabi Cooperative. This journal is expected to be useful for Instisabi Sharia Cooperatives in order to improve employee performance and as input or reference for further research.The research method used in this study is to use an associative quantitative method. The research data was obtained from primary data by distributing questionnaires and then processed using SPSS 23 applications. Researchers also obtained data from the theory of experts. This theory is used to strengthen analysis.The results showed that the motivation variable showed a significant effect on employee performance. The predictive ability of these variables on the level of employee performance in this study amounted to 0.202 or 20.2% while the remaining 79.8% was influenced by other factors not included in the study. 
本研究的动机是所有组织都存在的一个基本问题,即组织动力学领域中发生的事件,根据最初的假设,存在着人力资源授权能力的极化和优化问题,特别是在激励方面。组织的任务是如何管理人力资源,以便按预期执行任务,实现组织目标。然后,组织必须能够建立和提高员工的绩效。这可以通过几种方式实现。在这种情况下,研究人员测试了动机对Ujung Berung万隆伊斯兰研究所合作社员工绩效的影响。本研究的目的是找出在Ujung Berung万隆伊斯兰研究所合作社的动机对员工绩效的影响程度。预计这份期刊将对伊斯兰教法合作社协会有用,以提高员工的业绩,并作为进一步研究的投入或参考。本研究采用的研究方法是联想定量法。研究数据通过发放问卷的方式从原始数据中获得,然后使用SPSS 23软件进行处理。研究人员还从专家的理论中获得了数据。这个理论是用来加强分析的。结果表明,激励变量对员工绩效有显著影响。这些变量在本研究中对员工绩效水平的预测能力为0.202或20.2%,其余79.8%受到本研究未包括的其他因素的影响。
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引用次数: 0
PENGARUH MOTIVASI TERHADAP KINERJA KARYAWAN DI KOPERASI SYARIAH INTISABI UJUNGBERUNG BANDUNG 伊斯兰合作社UJUNGBERUNG万隆员工绩效的动机影响
Pub Date : 2019-10-21 DOI: 10.32483/maps.v3i1.29
Yasir Muharram Fauzi
Penelitian ini dilatarbelakangi masalah mendasar di semua wadah organisasi yaitu bagaimana mengelola sumber daya manusia agar melaksanakan tugas sesuai harapan untuk mencapai tujuan organisasi. Maka organisasi harus mampu membangun dan meningkatkan kinerja karyawan. Hal tersebut dapat ditempuh dengan beberapa cara misalnya pemberian motivasi. Dalam hal ini peneliti menguji pengaruh motivasi terhadap kinerja karyawan di Koperasi Syariah Instisabi.Tujuan dalam penelitian ini adalah untuk mengetahui berapa besar Pengaruh Motivasi terhadap Kinerja Karyawan di Koperasi Syariah Instisabi.  Jurnal ini diharapkan dapat bermanfaat bagi Koperasi Syariah Instisabi agar dapat meningkatkan kinerja karyawan. Selain itu penelitian ini juga diharapkan dapat digunakan sebagai bahan masukan atau referensi bagi penelitian selanjutnya.Metode penelitian yang digunakan dalam penelitian ini adalah dengan menggunakan metode kuantitatif asosiatif. Data penelitian ini diperoleh dari data primer dengan menyebar kuesioner dan kemudian diolah dengan menggunakan aplikasi SPSS 23. Peneliti juga mendapat data-data dari teori para ahli. Teori ini digunakan untuk memperkuat analisis.Hasil penelitian menunjukan bahwa variabel motivasi menunjukan pengaruh yang signifikan terhadap kinerja karyawan. Kemampuan prediksi dari variabel tersebut terhadap tingkat kinerja karyawan dalam penelitian ini sebesar 0,202 atau 20,2% dan t hitung = 3,258 >  t tabel = 2,021 dengan signifikansinya 0,002 < 0,05. Sedangkan sisanya dipengaruhi faktor lain yang tidak dimasukkan ke  dalam penelitian.
这项研究为所有组织机构提出的根本问题奠定了基础,即如何管理人力资源以实现该组织的目标所需的任务。那么组织应该能够培养和提高员工绩效。这可以通过一些方式来实现,比如激励。在这方面,研究人员测试了伊斯兰合作社Instisabi员工绩效的动机影响。本研究的目的是了解动机对伊斯兰合作社员工绩效的影响。本杂志希望对伊斯兰Instisabi合作社有所帮助,以提高员工的表现。此外,本研究也被期望用于下一研究的输入或参考资料。本研究采用定量联想法进行研究。本研究的数据来自于通过分散问卷调查的原始数据,然后使用SPSS应用程序23进行处理。研究人员还从专家理论中获得了数据。这些理论被用来强化分析。研究表明,动机变量对员工的表现有显著的影响。这些变量在本研究中对员工绩效水平的预测能力为0.202或202%,t计算= 3.258 > t表= 2.021,其重要性为0.002 < 0.05。其余的则受到其他不包括在研究中的因素的影响。
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引用次数: 0
PENGARUH EFISIENSI OPERASIONAL TERHADAP KINERJA KEUANGAN PADA BANK UMUM SYARIAH DI INDONESIA 操作效率对印尼伊斯兰公共银行财务绩效的影响
Pub Date : 2019-10-21 DOI: 10.32483/maps.v3i1.31
Diharpi Herli Setyowati
This study aims to measure and analyze the effect of operational efficiency which is proxied by bank financial ratios consisting of the ratio of Operational Costs to Operating Income (BOPO), Allowance for Earning Asset Losses (PPAP), Non-Performing Finance (NPF), to Return on Assets (ROA). The method used in this research is an explanatory method. The sample of this research is 11 Islamic Commercial Banks (BUS) with the use of purposive sampling technique in determining the sample. The data used in this study are secondary data obtained from annual bank reports from 2010 to 2018. The analysis technique used is multiple linear regression analysis. The results showed that only BOPO had a negative and significant effect on financial performance, which was proxied by ROA.
本研究旨在衡量和分析由银行财务比率所代表的运营效率的影响,这些财务比率包括运营成本与营业收入的比率(BOPO)、盈利资产损失准备金(PPAP)、不良财务(NPF)与资产回报率(ROA)。本研究采用的方法是解释法。本研究以11家伊斯兰商业银行(BUS)为样本,采用有目的抽样技术确定样本。本研究使用的数据是从2010年至2018年的年度银行报告中获得的二手数据。使用的分析技术是多元线性回归分析。结果表明,只有BOPO对财务绩效有显著的负向影响,这是由ROA代理的。
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引用次数: 3
PENGARUH PENGETAHUAN, KEMAMPUAN DAN PENGALAM KERJA TERHADAP KINERJA KARYAWAN DI BANK RAKYAT INDONESIA SYARIAH KANTOR CABANG BANDUNG SUNIARAJA 知识、能力和工作经验对印尼人民银行苏尼亚拉贾分行员工绩效的影响
Pub Date : 2019-10-21 DOI: 10.32483/maps.v3i1.32
Nuraeni Nuraeni, M. Sudirman
This research aims to determine the influence of knowledge, ability and experience of work to the performance of employee at BRI Syariah Bandung Suniaraja. The object of research is the performance of employees at BRI Syariah Bandung Suniaraja. This type of research is associative quantitative, the type of data is primary data, and data collection techniques in the form of observation, interviews, literature studies, and questionnaires. While the type of sample used is a saturated sample, with samples are the entire population of employees at BRI Syariah Bandung Suniaraja of 43 persons.            The results showed that there was no influence between knowledge to employee performance at BRI Syariah Bandung Suniaraja, with the results of tcount ttable value (4,110> 2,023), and there are influence of knowledge, ability, and simultaneous work experience to employee performance at BRI Syariah Bandung Suniaraja with the results of Fcount> Ftable (5.958> 2.85).
本研究旨在确定知识、能力和工作经验对BRI伊斯兰万隆Suniaraja员工绩效的影响。研究的对象是BRI伊斯兰万隆Suniaraja员工的绩效。这种类型的研究是关联定量的,数据类型是原始数据,数据收集技术有观察、访谈、文献研究和问卷调查等形式。虽然使用的样本类型是饱和样本,但样本是BRI伊斯兰万隆Suniaraja的43名员工的全部人口。结果表明,知识对万隆Suniaraja员工绩效没有影响,结果为可计数值(4110 > 2023),知识、能力和同时工作经验对万隆Suniaraja员工绩效有影响,结果为Fcount> Ftable(5.958> 2.85)。
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引用次数: 2
ANALISIS PENGARUH DANA PIHAK KETIGA, NON PERFORMING FINANCE MURABAHAH, DAN INFLASI TERHADAP PEMBIAYAAN MURABAHAH PADA BANK UMUM SYARIAH DI INDONESIA
Pub Date : 2019-10-21 DOI: 10.32483/maps.v3i1.30
Linda Sri Anisa, Fifi Afiyanti Tripuspitorini
This study aims to determine how the influence of DPK, Murabaha NPF, and inflation towards Murabaha Financing partially or simultaneously at the Indonesian Sharia Commercial Bank for the period of 2016-2018. In this study, the method used is a quantitative method and uses secondary data. Secondary data were obtained from Shariah Banking Statistics reports published by the Otoiritas Jasa Keuangan (OJK) and Bank Indonesia int the period January 2016 -December 2018. The data in this study were 36 data. The technique analysis used in this study is multiple linear regression using the SPSS 23 application programs. The results of this study indicate that based on a hypothesis test that is partially (t-test) that DPK and inflation have significant negative effect on Murabahah Financing. Whereas NPF Murabaha has insignificant negative effect in Murabaha Financing. The results of the simultaneous hypothesis test (F-Test) show that DPK, NPF Murbahah, and Inflation simultaneously or together have a significant effect on Murabaha Financing.
本研究旨在确定DPK、Murabaha NPF和通货膨胀对2016-2018年印尼伊斯兰教商业银行Murabaha融资的部分或同时的影响。在本研究中,使用的方法是定量方法,并使用二手数据。二级数据来自Otoiritas Jasa Keuangan (OJK)和印度尼西亚银行在2016年1月至2018年12月期间发布的伊斯兰教银行统计报告。本研究的数据为36个数据。本研究使用的技术分析是多元线性回归,使用SPSS 23应用程序。本研究的结果表明,基于部分(t检验)的假设检验,DPK和通货膨胀对Murabahah融资有显著的负向影响。而NPF Murabaha对Murabaha融资的负向影响不显著。同时假设检验(f检验)的结果表明,DPK、NPF Murbahah和通货膨胀同时或共同对Murabaha Financing有显著影响。
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引用次数: 7
期刊
Jurnal Maps (Manajemen Perbankan Syariah)
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