Pub Date : 2019-11-09DOI: 10.21070/perisai.v3i2.2671
M. Din, Faisal Khan, Ana Kadarningsih, Amjad Ali, S. D. Astuti
The basic of the current studywas to discover the influence of transformational leadership on organizational commitment,distributive justice, and employee empowerment as moderate variables in the Islamic banking company of DistrictSwat, KP-Pakistan.Adopted questionnaires were used to have five pointsLikert scalesand containing 24 items. 18 samples were taken with Random Sampling Techniquesfrom the Islamic bank's sector.A total of 305 questionnaires were distributedamong employees and the feedback rate was 80 % which 245questionnaires received.Data analysis used multiple linear regression. The study found thatorganizational commitment is positively and significantly affect empowerment. Distributive justice has a positive influence on organization commitment but not significant. There was also found that the leadership of transformational influences organization commitment positively and significantly.The variance of transformational leadership and organizational commitments were 16% which indicates a weaksignificant influence.
{"title":"The Moderating Role of Employee Empowerment and Distributive Justice in Transformational Leadership with Its Impact on Organizational Commitment in Islamic Banks at Pakistan","authors":"M. Din, Faisal Khan, Ana Kadarningsih, Amjad Ali, S. D. Astuti","doi":"10.21070/perisai.v3i2.2671","DOIUrl":"https://doi.org/10.21070/perisai.v3i2.2671","url":null,"abstract":"The basic of the current studywas to discover the influence of transformational leadership on organizational commitment,distributive justice, and employee empowerment as moderate variables in the Islamic banking company of DistrictSwat, KP-Pakistan.Adopted questionnaires were used to have five pointsLikert scalesand containing 24 items. 18 samples were taken with Random Sampling Techniquesfrom the Islamic bank's sector.A total of 305 questionnaires were distributedamong employees and the feedback rate was 80 % which 245questionnaires received.Data analysis used multiple linear regression. The study found thatorganizational commitment is positively and significantly affect empowerment. Distributive justice has a positive influence on organization commitment but not significant. There was also found that the leadership of transformational influences organization commitment positively and significantly.The variance of transformational leadership and organizational commitments were 16% which indicates a weaksignificant influence.","PeriodicalId":206226,"journal":{"name":"Perisai : Islamic Banking and Finance Journal","volume":"363 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-11-09","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115970827","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Risk based bank rating (RBBR) must always be monitored to avoid problems in the bank- ing system. The problematic conditions at a bank that can eventually end in bankruptcy can be identified as a measure of the company's tendency to financially fail and ultimately unable to carry out its business operations. Then analyzing the effect of the Capital Ade- quacy Ratio (CAR) and Operational Costs on Operating Income (BOPO) on performance (Return of Assets / ROA) on islamic banking is considered very important. The population of this study is Islamic Bangking and took samples of 2 banks in Indonesia for the period 2011- 2015. The sample method used is Purposive Sampling. From the results of the results analysis t test shows that the CAR variable partially does not affect the performance of islamic banking (ROA) while the BOPO variable has a significant effect on the performance of islamic banking (ROA). The results of the F Test analysis are known that the CAR and BOPO variables together have a significant effect on the performance of islamic banking. The results of the analysis of the Determination Coefficient (R2) obtained Adjusted Square (R2) of 0.969, this indicates that the performance of sharia banks can be explained by the variables CAR and BOPO of 96.90.
{"title":"Pengaruh CAR dan BOPO Terhadap ROA pada Bank Syariah pada Tahun 2011-2018","authors":"Aditya Surya Nanda, Andi Farouq Hasan, Erwan Aristyanto","doi":"10.21070/PERISAI.V3I1.2160","DOIUrl":"https://doi.org/10.21070/PERISAI.V3I1.2160","url":null,"abstract":"Risk based bank rating (RBBR) must always be monitored to avoid problems in the bank- ing system. The problematic conditions at a bank that can eventually end in bankruptcy can be identified as a measure of the company's tendency to financially fail and ultimately unable to carry out its business operations. Then analyzing the effect of the Capital Ade- quacy Ratio (CAR) and Operational Costs on Operating Income (BOPO) on performance (Return of Assets / ROA) on islamic banking is considered very important. The population of this study is Islamic Bangking and took samples of 2 banks in Indonesia for the period 2011- 2015. The sample method used is Purposive Sampling. From the results of the results analysis t test shows that the CAR variable partially does not affect the performance of islamic banking (ROA) while the BOPO variable has a significant effect on the performance of islamic banking (ROA). The results of the F Test analysis are known that the CAR and BOPO variables together have a significant effect on the performance of islamic banking. The results of the analysis of the Determination Coefficient (R2) obtained Adjusted Square (R2) of 0.969, this indicates that the performance of sharia banks can be explained by the variables CAR and BOPO of 96.90.","PeriodicalId":206226,"journal":{"name":"Perisai : Islamic Banking and Finance Journal","volume":"47 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-07-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132862640","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2019-07-10DOI: 10.21070/PERISAI.V3I1.1999
R. Lubis, F. Latifah
This study to describe the picture of ziswaf potential and Ziswaf's realization in Indonesia explained the difference between potential and realization. Beginning with a quantitative descriptive approach method by collecting secondary data from various sources. A very large gap between the value of potential and the amount of realization. During the last five years until 2016. The realization of zakat receipts was only less than 1%. The development of Ziswaf funds in Indonesia must have strategic objectives that must be reduced in the policies of all stakeholders. Thus, muzakki and mustahik are important components in the development and succession of empowerment. The selection of the right strategy can be done using the SWOT analysis method to produce a condition map of the research group and the right strategy to support the strategic objectives. The results of the analysis show that Ziswaf's condition in Indonesia has experienced and significant development. The results of the analysis also show that there are 6 (six) strategies that can be used to achieve Ziswaf's strategic objectives, namely: (1) digitizing of Ziswaf, (2) Islamic Inclusive Finance Council, (3) Database Development, (4) Regulation Implementation, (5) Zakat Automation, (6) Tax incentives for muzakki.
{"title":"Analisis Strategi Pengembangan Zakat, Infaq, Shadaqoh dan Wakaf di Indonesia","authors":"R. Lubis, F. Latifah","doi":"10.21070/PERISAI.V3I1.1999","DOIUrl":"https://doi.org/10.21070/PERISAI.V3I1.1999","url":null,"abstract":"This study to describe the picture of ziswaf potential and Ziswaf's realization in Indonesia explained the difference between potential and realization. Beginning with a quantitative descriptive approach method by collecting secondary data from various sources. A very large gap between the value of potential and the amount of realization. During the last five years until 2016. The realization of zakat receipts was only less than 1%. The development of Ziswaf funds in Indonesia must have strategic objectives that must be reduced in the policies of all stakeholders. Thus, muzakki and mustahik are important components in the development and succession of empowerment. The selection of the right strategy can be done using the SWOT analysis method to produce a condition map of the research group and the right strategy to support the strategic objectives. The results of the analysis show that Ziswaf's condition in Indonesia has experienced and significant development. The results of the analysis also show that there are 6 (six) strategies that can be used to achieve Ziswaf's strategic objectives, namely: (1) digitizing of Ziswaf, (2) Islamic Inclusive Finance Council, (3) Database Development, (4) Regulation Implementation, (5) Zakat Automation, (6) Tax incentives for muzakki.","PeriodicalId":206226,"journal":{"name":"Perisai : Islamic Banking and Finance Journal","volume":"10 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-07-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125095301","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Intense competition between banks is increasingly tight good conventional banks as well as Islamic banks. The rivalry has led banks to get competitive strategies do customers. Strategy all aimed at satisfying the customer's bank. The key competitive advantage in a situation full of competition is the ability of the bank in improving customer satisfaction. Customer satisfaction will be the key to success, not only in the short term but sustain- able competitive advantage. The purpose of this research is to find out and analyse the influence the commitment and trust of customer satisfaction on Sharia in Surabaya. The population in this study is bank syariah in Surabaya and the number of samples as much as 95 clients. The technique of sampling by using purposive sampling namely sampling with certain considerations. Design research is quantitative with the hypothesis. Data analysis techniques using multiple linear regression using SPSS 23.
{"title":"Pengaruh Komitmen dan Kepercayaan terhadap Kepuasan Nasabah Bank Syariah di Surabaya","authors":"Erwan Aristyanto, Andi Farouq Hasan, Aditya Surya Nanda","doi":"10.21070/PERISAI.V3I1.1981","DOIUrl":"https://doi.org/10.21070/PERISAI.V3I1.1981","url":null,"abstract":"Intense competition between banks is increasingly tight good conventional banks as well as Islamic banks. The rivalry has led banks to get competitive strategies do customers. Strategy all aimed at satisfying the customer's bank. The key competitive advantage in a situation full of competition is the ability of the bank in improving customer satisfaction. Customer satisfaction will be the key to success, not only in the short term but sustain- able competitive advantage. The purpose of this research is to find out and analyse the influence the commitment and trust of customer satisfaction on Sharia in Surabaya. The population in this study is bank syariah in Surabaya and the number of samples as much as 95 clients. The technique of sampling by using purposive sampling namely sampling with certain considerations. Design research is quantitative with the hypothesis. Data analysis techniques using multiple linear regression using SPSS 23.","PeriodicalId":206226,"journal":{"name":"Perisai : Islamic Banking and Finance Journal","volume":"103 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-07-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"117263204","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2019-07-10DOI: 10.21070/PERISAI.V3I1.2102
Sindu Rifai, Salamatun Asakdiyah, Rai Rake Setyawan
The purpose of this study is to analyze the acceptance of the core banking system based on technology readiness and acceptance model on Bank Pembiayaan Rakyat Syariah Bangun Drajat Warga in the Special Region of Yogyakarta. Constructions used are optimism, innovativeness, discomfort, insecurity, easy of use and usefulness. This research method uses quantitative with a survey approach. The results of the study show that constructs of optimism and discomfort have a positive and significant effect on the perception of benefits and convenience in using the Core Banking System. The innovativeness construct has a positive and significant effect on the perception of the benefits of the core banking system, but for users, it has a negative effect and does not significantly influence the perception of ease of use of the Core Banking System. Insecurity, easy of use and usefulness constructs shows that there is no positive and significant influence on the perception of benefits and convenience in using the Core Banking System.
本研究的目的是分析核心银行系统的接受基于技术准备和接受模型的银行Pembiayaan Rakyat Syariah banun Drajat Warga在日惹特区。使用的结构是乐观，创新，不适，不安全，易于使用和有用。本研究方法采用定量与调查相结合的方法。研究结果表明，乐观和不适的构念对使用核心银行系统的好处和便利的感知有积极而显著的影响。创新性结构对核心银行系统的效益感知具有正向显著影响，但对用户而言，其对核心银行系统的易用性感知具有负向影响，且影响不显著。不安全性、易用性和有用性结构表明，对使用核心银行系统的好处和便利性的感知没有积极和显著的影响。
{"title":"Analisis Penerimaan Core Banking System Berbasis Technology Readiness an Acceptance Model pada BPRS Bangun Drajat Warga di DIY","authors":"Sindu Rifai, Salamatun Asakdiyah, Rai Rake Setyawan","doi":"10.21070/PERISAI.V3I1.2102","DOIUrl":"https://doi.org/10.21070/PERISAI.V3I1.2102","url":null,"abstract":"The purpose of this study is to analyze the acceptance of the core banking system based on technology readiness and acceptance model on Bank Pembiayaan Rakyat Syariah Bangun Drajat Warga in the Special Region of Yogyakarta. Constructions used are optimism, innovativeness, discomfort, insecurity, easy of use and usefulness. This research method uses quantitative with a survey approach. The results of the study show that constructs of optimism and discomfort have a positive and significant effect on the perception of benefits and convenience in using the Core Banking System. The innovativeness construct has a positive and significant effect on the perception of the benefits of the core banking system, but for users, it has a negative effect and does not significantly influence the perception of ease of use of the Core Banking System. Insecurity, easy of use and usefulness constructs shows that there is no positive and significant influence on the perception of benefits and convenience in using the Core Banking System.","PeriodicalId":206226,"journal":{"name":"Perisai : Islamic Banking and Finance Journal","volume":"65 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-07-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115622499","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2019-07-10DOI: 10.21070/PERISAI.V3I1.2011
Zulkifli Nurul Haqq, M. Natsir
In order to fulfill the planned change, an organization should seriously take the role of individual perception into consideration, in which the individual plays a pivotal role in the change implementation stage through their act. This study aims to investigate the attitude of readiness to change based on the multidimensional concept, with communication of change and change-efficacy as antecedents. This study involved shariah rural bank, located in East Java, as a research object. Furthermore, a quantitative approach was employed in this study, in which survey as a procedure for collecting data through questionnaires. In addition, PLS-SEM was employed as an analysis of research method. The results exhibit that communication of change contribute to develop of almost all forms attitude of readiness to change and change-efficacy can predict all forms of readiness to change. Finally, this study offers several implications, both theoretically and practically.
{"title":"Three Components of Readiness to Change: Communication of Change and Change-Efficacy as Antecendents","authors":"Zulkifli Nurul Haqq, M. Natsir","doi":"10.21070/PERISAI.V3I1.2011","DOIUrl":"https://doi.org/10.21070/PERISAI.V3I1.2011","url":null,"abstract":"In order to fulfill the planned change, an organization should seriously take the role of individual perception into consideration, in which the individual plays a pivotal role in the change implementation stage through their act. This study aims to investigate the attitude of readiness to change based on the multidimensional concept, with communication of change and change-efficacy as antecedents. This study involved shariah rural bank, located in East Java, as a research object. Furthermore, a quantitative approach was employed in this study, in which survey as a procedure for collecting data through questionnaires. In addition, PLS-SEM was employed as an analysis of research method. The results exhibit that communication of change contribute to develop of almost all forms attitude of readiness to change and change-efficacy can predict all forms of readiness to change. Finally, this study offers several implications, both theoretically and practically. ","PeriodicalId":206226,"journal":{"name":"Perisai : Islamic Banking and Finance Journal","volume":"3 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-07-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131077076","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2018-10-31DOI: 10.21070/perisai.v2i2.1630
Hikmah Hikmah
Bankruptcy Prediction With the Altman Z-Score Method and the stock price on Manufacturing Company. This research aims to analyze the bankruptcy prediction on stock prices in manufacturing company of basic industry sector and chemical sub-sector of metals that listed in Indonesia Stock Exchange for the period of 2015-2017. The sampling method was done with purposive sampling which then determined 15 companies as sample. Sources of data used are secondary data in the form of financial report published in BEI. Data analysis used data panel regression using eviews version 8. These result shows that Altman Z-Score variable: 1) Working capital to total assets, 2) Retained earning to total assets, 3) Earning before interest and taxes to total assets, 4) Market value of equity to book value of total debts, and 5) Sales to total assets significantly influence stock prices in the metal subsector on the Indonesia Stock Exchange, the average company is in the gray area
Altman Z-Score方法与制造企业股价的破产预测。本研究旨在分析2015-2017年在印尼证券交易所上市的基础工业板块制造公司和金属化工细分行业的股价破产预测。抽样方法是有目的的抽样，然后确定15家公司作为样本。使用的数据来源为二级数据，以BEI公布的财务报告的形式。数据分析使用eviews version 8的数据面板回归。这些结果表明，Altman Z-Score变量:1)营运资金占总资产，2)留存收益占总资产，3)息税前收益占总资产，4)权益市值占总债务账面价值，5)销售额占总资产显著影响印尼证券交易所金属细分行业股票价格，平均公司处于灰色地带
{"title":"Prediksi Kebangkrutan Dengan Altman Z-Score dan Harga Saham pada Perusahaan Manufaktur","authors":"Hikmah Hikmah","doi":"10.21070/perisai.v2i2.1630","DOIUrl":"https://doi.org/10.21070/perisai.v2i2.1630","url":null,"abstract":"\u0000Bankruptcy Prediction With the Altman Z-Score Method and the stock price on Manufacturing Company. This research aims to analyze the bankruptcy prediction on stock prices in manufacturing company of basic industry sector and chemical sub-sector of metals that listed in Indonesia Stock Exchange for the period of 2015-2017. The sampling method was done with purposive sampling which then determined 15 companies as sample. Sources of data used are secondary data in the form of financial report published in BEI. Data analysis used data panel regression using eviews version 8. These result shows that Altman Z-Score variable: 1) Working capital to total assets, 2) Retained earning to total assets, 3) Earning before interest and taxes to total assets, 4) Market value of equity to book value of total debts, and 5) Sales to total assets significantly influence stock prices in the metal subsector on the Indonesia Stock Exchange, the average company is in the gray area \u0000","PeriodicalId":206226,"journal":{"name":"Perisai : Islamic Banking and Finance Journal","volume":"34 4 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-10-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131679326","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2018-10-31DOI: 10.21070/perisai.v2i2.1821
Matius Inganta Purba, Risni Julaeni Yuhan
Asia is the country with the largest number of TKI placement. However, from 2012 there was a decrease in the number of overseas placement for Indonesians even in the four year interval there was a decrease up to 52.66 percent including in Asian countries. One of the causes of the decline of labor migrants is due to the revamping of the placement of informal TKI in some countries, especially in the middle east region so that the number of migrant workers is very small. In fact, the remittance of migrant workers is one of the largest foreign exchange contributors in Indonesia. In 2011, the value of remittance reached 60 trillion or the second highest contributor of foreign exchange. Of course with the existence of such remittances can support the Indonesian economy. The purpose of this study is to see what variables that influence in the process of placement of overseas workers especially in some countries in Asia continent based on economic condition of destination country. Analytical techniques used are panel data analysis with inflation variable, per capita income, unemployment rate, and exchange rate of destination country. The results of this study indicate that the variables of inflation, income per capita, and unemployment rate in influencing the number of placement of labor migrants in the destination country.
{"title":"Analisis Determinan Makro Ekonomi Pada Beberapa Negara Asia dalam Memepengaruhi TKI Tahun 2011-2015","authors":"Matius Inganta Purba, Risni Julaeni Yuhan","doi":"10.21070/perisai.v2i2.1821","DOIUrl":"https://doi.org/10.21070/perisai.v2i2.1821","url":null,"abstract":"Asia is the country with the largest number of TKI placement. However, from 2012 there was a decrease in the number of overseas placement for Indonesians even in the four year interval there was a decrease up to 52.66 percent including in Asian countries. One of the causes of the decline of labor migrants is due to the revamping of the placement of informal TKI in some countries, especially in the middle east region so that the number of migrant workers is very small. In fact, the remittance of migrant workers is one of the largest foreign exchange contributors in Indonesia. In 2011, the value of remittance reached 60 trillion or the second highest contributor of foreign exchange. Of course with the existence of such remittances can support the Indonesian economy. The purpose of this study is to see what variables that influence in the process of placement of overseas workers especially in some countries in Asia continent based on economic condition of destination country. Analytical techniques used are panel data analysis with inflation variable, per capita income, unemployment rate, and exchange rate of destination country. The results of this study indicate that the variables of inflation, income per capita, and unemployment rate in influencing the number of placement of labor migrants in the destination country.","PeriodicalId":206226,"journal":{"name":"Perisai : Islamic Banking and Finance Journal","volume":"7 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-10-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123813942","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2018-10-31DOI: 10.21070/PERISAI.V2I2.1533
Dede Hertina, Mohamad Bayu Herdiawan Hidayat
This study aimed to determine whether the return on assets, debt to equity ratio, and systematic risk effected on stock returns on oil and gas companies listed on the Stock Exchange period 2011-2016. The research method used was descriptive method verifikatif with research sample as much as 5 oil and gas company. The technique of selecting the sample used purposive sampling, while the method of analysis used was analaisis regresi panel data at significance level 5%, by using Eviews9. Partial result shows that Return On Asset was not influential to stock return and DER have negative and significant effect to stock return, while Beta had positive and significant effect to stock return and simultaneously Return On Asset, DER, and beta have positive effect to stock return.
{"title":"Financial Performace and Systemic Risk Effect On Stock Return (Case Study on Oil and Gas Companies Listed In IDX Year 2011-2016)","authors":"Dede Hertina, Mohamad Bayu Herdiawan Hidayat","doi":"10.21070/PERISAI.V2I2.1533","DOIUrl":"https://doi.org/10.21070/PERISAI.V2I2.1533","url":null,"abstract":"This study aimed to determine whether the return on assets, debt to equity ratio, and systematic risk effected on stock returns on oil and gas companies listed on the Stock Exchange period 2011-2016. The research method used was descriptive method verifikatif with research sample as much as 5 oil and gas company. The technique of selecting the sample used purposive sampling, while the method of analysis used was analaisis regresi panel data at significance level 5%, by using Eviews9. Partial result shows that Return On Asset was not influential to stock return and DER have negative and significant effect to stock return, while Beta had positive and significant effect to stock return and simultaneously Return On Asset, DER, and beta have positive effect to stock return.","PeriodicalId":206226,"journal":{"name":"Perisai : Islamic Banking and Finance Journal","volume":"47 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-10-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129509313","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2018-10-31DOI: 10.21070/PERISAI.V2I2.1686
Efri Syamsul Bahri, R. Oktaviani
Zakat is a duty ordered directly by Allah in the Qur'an. Zakat is well managed and able to empower mustahik as well as be a solution in alleviating poverty. The focus of this research is how to describe productive zakat as a micro business work capital and what are the benefits of productive zakat as working capital for mustahik? The purpose of this research is to dig deeper the model of productive utilization of zakat as working capital of micro business. The method used in this study is a qualitative method with a descriptive approach that describes a condition or fact finding with appropriate interpretation. The results of this study indicate that zakat institutions that apply the productive zakat model as a micro business work capital to be hope in improving social status mustahik be muzaki. Zakat as working capital is beneficial for empowering micro business, improving micro business business, growing spirit, improving ability and skill and entrepreneurship. Viewed from the socio-economic aspects of zakat can encourage the growth of the weak economy by increasing their purchasing power to increase employment and micro business income. Viewed from the moral-spiritual aspect of zakat is a means to increase obedience and servitude to God. Thus the productive zakat model as working capital becomes an effective way to alleviate poverty.
{"title":"Zakat Produktif Sebagai Modal Kerja Usaha Mikro","authors":"Efri Syamsul Bahri, R. Oktaviani","doi":"10.21070/PERISAI.V2I2.1686","DOIUrl":"https://doi.org/10.21070/PERISAI.V2I2.1686","url":null,"abstract":"Zakat is a duty ordered directly by Allah in the Qur'an. Zakat is well managed and able to empower mustahik as well as be a solution in alleviating poverty. The focus of this research is how to describe productive zakat as a micro business work capital and what are the benefits of productive zakat as working capital for mustahik? The purpose of this research is to dig deeper the model of productive utilization of zakat as working capital of micro business. The method used in this study is a qualitative method with a descriptive approach that describes a condition or fact finding with appropriate interpretation. The results of this study indicate that zakat institutions that apply the productive zakat model as a micro business work capital to be hope in improving social status mustahik be muzaki. Zakat as working capital is beneficial for empowering micro business, improving micro business business, growing spirit, improving ability and skill and entrepreneurship. Viewed from the socio-economic aspects of zakat can encourage the growth of the weak economy by increasing their purchasing power to increase employment and micro business income. Viewed from the moral-spiritual aspect of zakat is a means to increase obedience and servitude to God. Thus the productive zakat model as working capital becomes an effective way to alleviate poverty.","PeriodicalId":206226,"journal":{"name":"Perisai : Islamic Banking and Finance Journal","volume":"8 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-10-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129568294","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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