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Determinants Of Banking Efficiency For Commercial Banks In Indonesia: Two-Stage Data Envelopment Analysis 印尼商业银行效率的决定因素:两阶段数据包络分析
Pub Date : 2021-10-28 DOI: 10.33019/IJBE.V5I3.369
Desmy Riani, Denia Maulani
This study measured and analyzed the determinants of banking efficiency for commercial banks in Indonesia using the Two-Stage Data Envelopment Analysis approach within 2015-2019 period. The object in this study is commercial banks which are included in the group 4 banks category consisting of 7 conventional commercial banks. The first stage measured level of bank efficiency by Data Envelopment Analysis (DEA). BNI in 2015 and BCA during the period 2015 to 2019 shows inefficient on managing the resources. The second stage is analyzed the factors that have an influence in achieving the level of bank efficiency using the Tobit model which shows that Operational Cost and Operational Revenue (BOPO), Return on Equity (ROE), Return on Assets (ROA), and Non Performing Loans (NPL) have a significant effect on bank efficiency. Meanwhile, the Capital Adequacy Ratio (CAR) and the Loan to Deposit Ratio (LDR) have no significant impact on bank efficiency.
本研究在2015-2019年期间使用两阶段数据包络分析方法测量和分析了印度尼西亚商业银行银行效率的决定因素。本文的研究对象是商业银行,这是由7家传统商业银行组成的第4组银行类别。第一阶段采用数据包络分析(DEA)测量银行效率水平。2015年的BNI和2015年至2019年的BCA在管理资源方面效率低下。第二阶段使用Tobit模型分析了影响银行效率水平的因素,结果表明,运营成本和运营收入(BOPO)、净资产收益率(ROE)、资产收益率(ROA)和不良贷款(NPL)对银行效率有显著影响。同时,资本充足率(CAR)和存贷比(LDR)对银行效率没有显著影响。
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引用次数: 1
Aglomeration Analysis Of The Processing Industry On Economic Growth In Bangka Barat District 加工业对邦卡巴拉特地区经济增长的集聚性分析
Pub Date : 2021-10-28 DOI: 10.33019/IJBE.V5I3.390
Ayu Wulandari, H. Hidayati
The development of the manufacturing sector in the Province of the Bangka Belitung Islands is a long-term development. This is because the contribution of the manufacturing industry sector is very large to the formation of GRDP in the Province of the Bangka Belitung Islands. One of the regencies in the Bangka Belitung Islands Province that has the highest contribution from the manufacturing sector to GRDP is West Bangka Regency. The large contribution of the manufacturing sector in West Bangka Regency will encourage grouping due to the encouragement of various factors called economic agglomeration. This study analyzes the agglomeration of the processing industry in West Bangka Regency on economic growth. With the documentation technique, namely by obtaining secondary data and information from written reports and published data and to increase the sharpness of the analysis, interviews (in-dept interviews) were also conducted to informants who were considered to have extensive information on the research conducted. In addition, quantitative data analysis through simple regression is also used to see the relationship between the agglomeration variables of the manufacturing industry and its economic growth. The results showed that the level of industrial agglomeration in West Bangka Regency was still low. The new industrial agglomeration was formed in 2020 because the index value was 2.9614 or categorized as medium agglomeration. Then the results of the t-count show that there is no significant influence between Industrial Agglomeration on economic growth in West Bangka Regency
邦加勿里洞群岛省制造业的发展是一项长期发展。这是因为制造业部门对邦加勿里洞群岛省生产总值的形成作出了很大的贡献。邦加勿里洞群岛省制造业部门对国内生产总值贡献最大的一个县是西邦加县。制造业在西Bangka摄政的巨大贡献将鼓励分组,因为鼓励各种因素称为经济集聚。本研究分析了加工业集聚对西孟加拉邦地区经济增长的影响。采用文献技术,即通过从书面报告和已发表的数据中获取二手数据和信息,并增加分析的清晰度,还对被认为对所进行的研究有广泛信息的举报人进行了访谈(深度访谈)。此外,通过简单回归的定量数据分析,也看到了制造业集聚变量与经济增长之间的关系。结果表明,西邦卡地区的产业集聚水平仍然较低。由于该指数为2.9614或属于中等集聚,因此在2020年形成了新的产业集聚。t-count结果表明,产业集聚对西孟加拉邦的经济增长没有显著影响
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引用次数: 0
PERFORMANCE OF MICRO SMALL MEDIUM ENTERPRISES (MSMEs) IN SUPPORTING THE TOURISM SECTOR 微型中小型企业(MSMEs)在支持旅游业方面的表现
Pub Date : 2021-07-09 DOI: 10.33019/IJBE.V5I2.371
E. Rosalina, Nanang Wahyudin
This research is about measuring the performance of MSMEs with a balanced scorecard using four perspectives, financial perspective, customer perspective, internal business perspective, learning, and growth perspective. This study will distribute questionnaires to 100 samples of small and medium industries in Pangkalpinang. Based on the results of the balanced scorecard, it is seen from a financial perspective, a customer perspective, an internal business process perspective, a learning, and growth perspective. From the results, it was found that the MSME business actors in Pangkalpinang were in the range of 0-30 million on average, none of which was above 30 million profit. The number of new customers at MSME business stores in Pangkalpinang averaged in the range of 50-60 people during 2019, while for the number of customers from the beginning to the beginning of 2019 the average was in the range of 100-300 people. From the perspective of internal business processes carried out by each MSME business cluster, they provide good services and facilities to customers. Business actors provide the best for customer convenience so that customers are satisfied when making transactions at their place. The learning and growth perspective carried out by each MSME business cluster during 2019 has never increased the skills of its employees so that the absence of training provided cannot have an impact on improving employee work attitudes.
本研究以财务、顾客、内部业务、学习和成长四个视角,运用平衡计分卡来衡量中小微企业的绩效。本研究将向邦加尔比南100个中小企业样本发放问卷。根据平衡计分卡的结果,从财务角度、客户角度、内部业务流程角度、学习和成长角度来看。从结果中发现,邦加尔比南的中小微企业行为者的平均利润在0- 3000万之间,没有一家企业的利润超过3000万。2019年,Pangkalpinang的MSME商业商店的新客户数量平均在50-60人之间,而从2019年初到2019年初的客户数量平均在100-300人之间。从各中小微企业集群开展的内部业务流程来看,它们为客户提供了良好的服务和设施。业务参与者为客户提供了最好的便利,以便客户在他们的位置进行交易时感到满意。2019年各中小微企业集群开展的学习和成长视角从未提高员工的技能,因此没有提供培训不会对改善员工的工作态度产生影响。
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引用次数: 0
THE IMPACT OF IPROVE CULTURE TOWARDS THE PERFORMANCE OF THE EMPLOYEES OF SNVT PJPA SUMATERA VIII BANGKA BELITUNG PROVINCE 改进文化对邦别里东省SNVT pjpa sumatera员工绩效的影响
Pub Date : 2021-07-05 DOI: 10.33019/IJBE.V5I2.366
Agus Maya Sari, Reniati Reniati*, E. Lestari
Coming late, coming home too early, and absent from work are part of the employee's problems at Sumatra's SNVT PJPA VIII, Bangka Belitung Province. Work behavior, such as are undisciplined, irresponsible for the job description, shows that the work culture is not fully implemented in the work life of the employee. The work culture of IPROVE (Integrity, Professionalism, Mission Orientation, Visionary and Ethics) should be used as a guideline for the Ministry of Public Works and Public Housing employees in Sumatera's SNVT PJPA VIII of Bangka Belitung Province to performance effectively. This study aims to determine the impact of IPROVE culture both partially and simultaneously. This type of research is a quantitative research using quantitative descriptive methods. The results shows that all research hypotheses are accepted where the IPROVE culture has a positive and significant effect on performance both partially and simultaneously. The order of influence of independent variables on the dependent variable based on the size of Adjusted R Square are integrity of 43.6%, mission orientation of 43.5%, visionary of 37%, ethics of 26% and professionals of 25.7%. Simultaneously work culture of IPROVE affects 48 % of employee performance.
在苏门答腊邦加勿里洞省的SNVT PJPA VIII,迟到、过早回家和旷工是员工的部分问题。工作行为,如不守纪律,对工作描述不负责任,表明工作文化没有完全贯彻到员工的工作生活中。IPROVE(诚信、专业、使命导向、远见和道德)的工作文化应该作为苏门答腊邦加别里东省SNVT PJPA VIII公共工程和公共住房部员工有效工作的指导方针。本研究旨在确定IPROVE文化的部分影响和同时影响。这种类型的研究是使用定量描述方法的定量研究。结果表明,所有的研究假设都被接受,其中IPROVE文化对绩效有部分和同时的积极和显著的影响。根据调整后R方大小,自变量对因变量的影响顺序依次为诚信(43.6%)、使命导向(43.5%)、远见(37%)、道德(26%)和专业(25.7%)。同时,IPROVE的工作文化影响了48%的员工绩效。
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引用次数: 0
Effects of Psaltery Cassava Out-grower Scheme in Enhancing Smallholder Productivity and Sustainable Livelihood in South-West Region Nigeria 《诗篇》木薯外种计划在提高尼日利亚西南地区小农生产力和可持续生计方面的效果
Pub Date : 2021-07-04 DOI: 10.33019/IJBE.V5I2.343
O. Alarape
Cassava value addition efforts suffer a serious setback in Nigeria despite huge production potentials due to a weak linkage between producers and processors. Psaltry cassava out-grower scheme thus emerged as a model to facilitate the needed linkage and boost farmers' productivity. The need to understand how the Psaltry model has encouraged increased cassava productivity informed this study on the effects of Psaltry cassava out-grower scheme in enhancing smallholder productivity in the Oyo State, Nigeria.  Pre and post-intervention combined with treatment and control group designs were used for the study. Simple random sampling was used to elicit information from 280 out-growers and 49 non-out-growers using interview schedules on their socio-economic characteristics, supports received from Psaltry, perception of Psaltry, change in cassava productivity due to participation in the Psaltry scheme and challenges faced in the scheme. Data were analysed using descriptive statistics and regression analysis at α 0.05. Out-growers were aged 46.5±17.3 years, had 2.8±1.1 years of experience with Psaltry, mostly (65.9%) male, belonged to farmers group (96.1%) and had at least primary school education (60.8%). Assured markets (90.5%) and training on post-harvest handling of crops (69.9%) were most common supports received from Psaltry. More than half (56%) of out-growers had favourable perception of the Psaltry scheme as unclear procedures (2.23±0.7) ranked as the most severe constraint faced in the scheme. Total cassava harvested and productivity among out-growers increased from 30,950.89±31,133.48kg to 106,116.88±96,926.01kg and 5,474.05±3,881.05kg/Acre to 9,126.51±8,783.89kg/Acre before and after participating in Psaltry scheme, respectively. Productivity was found to be higher among out-growers (9,126.51±8,783.89kg/Acre) than non-out-growers (1,047.24±4,789.34kg/Acre). Membership of group (β=0.319) and length of involvement in Psaltry scheme (β=0.157) positively and significantly influenced out-growers change in cassava productivity. Psaltry out-grower scheme had stimulated beneficiary’s smallholder farmers towards higher productivity through assured markets for their cassava zproduce. Also, farmers increased income as enhanced better sustainable livelihood which theyr have be able to expand their capabilities and assets. A scale-up of the Psaltry model has prospects for transforming smallholder farmers to commercial producers.  Keywords: Out-grower scheme, Cassava farmers, Market linkage, Smallholder farmer, Psaltry.  
在尼日利亚,尽管木薯的生产潜力巨大,但由于生产者和加工商之间的联系薄弱,木薯的增值努力遭受了严重挫折。因此,诗篇木薯种植户计划成为促进必要联系和提高农民生产力的典范。需要了解Psaltry模式如何鼓励提高木薯生产力,这为本研究提供了关于Psaltry木薯外种计划在提高尼日利亚奥约州小农生产力方面的影响的信息。本研究采用干预前和干预后联合治疗组和对照组设计。采用简单随机抽样的方法,对280名外出种植者和49名非外出种植者进行访谈,了解他们的社会经济特征、从“诗篇”获得的支持、对“诗篇”的看法、参与“诗篇”计划后木薯生产力的变化以及该计划面临的挑战。资料分析采用描述性统计和回归分析,α 0.05。外派栽培者年龄(46.5±17.3)岁,有2.8±1.1年的诗歌经验,男性占65.9%,属农民群体(96.1%),小学以上文化程度(60.8%)。有保障的市场(90.5%)和收获后处理作物的培训(69.9%)是从Psaltry获得的最常见的支持。超过一半(56%)的外农对Psaltry计划有良好的看法,因为程序不明确(2.23±0.7)是该计划面临的最严重的限制。参与Psaltry计划前后,外农木薯总收获量和产量分别从30,950.89±31,133.48kg增加到106,116.88±96,926.01kg和5,474.05±3,881.05kg/Acre增加到9,126.51±8,783.89kg/Acre。结果表明,外植者的产量(9126.51±8783.89 kg/Acre)高于非外植者(1047.24±4789.34 kg/Acre)。群体成员(β=0.319)和参与Psaltry方案的长度(β=0.157)正显著影响木薯外农产量的变化。诗篇外向型种植计划通过确保木薯产品的市场,刺激了受益的小农提高生产力。此外,农民通过改善可持续生计来增加收入,从而扩大他们的能力和资产。扩大Psaltry模式有望将小农转变为商业生产者。关键词:外农方案,木薯农户,市场联动,小农,诗篇
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引用次数: 0
Shariah Compliance for Islamic micro financing (Exploratory study in BAITUL MAAL WATTAMWIL in Depok City, Indonesia) 伊斯兰小额融资的伊斯兰教法合规(在印度尼西亚德波克市BAITUL MAAL WATTAMWIL的探索性研究)
Pub Date : 2021-07-04 DOI: 10.33019/IJBE.V5I2.346
R. A. Setiawan, Sepky Mardian
This study aims to analyze and evaluate the supervision of shariah compliance in the Baitul  Maal Wattamwil (BMT) in the Depok City. The institutional and system approach is used to see the level of supervision carried out. This study uses primary data through interviews with the shariah supervisory board (SSB) and secondary data in the form of regulations issued by the Ministry of Cooperatives and Small and Medium Enterprises and similar research. This study found that the implementation of sharia supervision through an institutional approach or through a system approach still needed to be improved. In the institutional approach, there are still SSB that have not met the expected qualifications and the coaching process that has not yet run optimally, even though the composition, position, dual position and length of service of SSBs are in accordance with established rules and have been independent in carrying out sharia supervision. Whereas in the system approach carried out by the internal audit function, the external auditor and the Ministry of Cooperatives and Small and Medium Enterprises represented by the Dinas Koperasi have not been running optimally.  Keywords:  shariah compliance, shariah supervisory board, baitul maal wattamwil.
本研究旨在分析和评估德波市Baitul Maal wattamwill (BMT)对伊斯兰教法遵守的监督。用制度和制度的方法来观察监督的执行水平。本研究使用的主要数据来自对伊斯兰教法监事会(SSB)的访谈,二手数据来自合作社和中小企业部发布的法规以及类似的研究。本研究发现,通过机构方法或通过系统方法实施伊斯兰教法监督仍然需要改进。在体制方面,尽管SSB的组成、职位、双职位和服务年限都符合既定规则,并独立开展伊斯兰教监督,但仍有未达到预期资格的SSB和尚未最佳运行的辅导过程。而在内部审计职能所采用的系统方法中,外聘审计员和以Dinas Koperasi为代表的合作社和中小企业部的运作并不理想。关键词:伊斯兰教法合规;伊斯兰教法监事会;
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引用次数: 0
ISLAMIC SOCIAL REPORTING DETERMINATION IN THE MANUFACTURING INDUSTRY SECTOR LISTED IN INDONESIA SHARIA STOCK INDEX 伊斯兰社会报告确定在制造业板块上市的印尼伊斯兰股票指数
Pub Date : 2021-07-03 DOI: 10.33019/IJBE.V5I2.356
Soeharjoto Soekapdjo
Aims of this study is to know about Islamic Social Reporting determination at manufacturing  industry sector listed on Indonesia Sharia Stock Index, with the exchange rate and inflation as moderating variables. Panel data regression is used as a method with Islamic Social Reporting  as a dependent variable and Return on Equity, Current Ratio, Debt to Equity Ratio, Firm Size as an independent variables, while inflation and exchange rates used as a moderating variables. Sampling is from manufacturing industrial companies listed in Indonesia Sharia Stock Index used purposive sampling in 2013-2018. Sourced data from Financial Services Authority, Central Statistics Agency and Bank Indonesia. Result shown that Return on Equity with inflation moderation has a positive and significant effect on Islamic Social Reporting, Current Ratio has a positive and significant effect on Islamic Social Reporting, and Debt to Equity which is moderated by the exchange rate has a positive and significant effect on Islamic Social Reporting.  However, the inflation moderated Firm Size is not significant to the Islamic Social Reporting. In order to get blessings, manufacturing industry needs awareness from companies to implement the Islamic Social Reporting, Financial Services Authority implements and develops ISR indicators for all sectors, investors fully apply sharia principles to get blessings, and people buy products that are halal and toyiban, also government maintain exchange rates stability and inflation.  
本研究以汇率和通货膨胀为调节变量,了解印尼伊斯兰教法股票指数上市的制造业部门对伊斯兰社会报告的决定。面板数据回归被用作伊斯兰社会报告作为因变量和股本回报率,流动比率,债务与股本比率,公司规模作为自变量的方法,而通货膨胀和汇率被用作调节变量。样本来自2013-2018年印尼伊斯兰教股票指数上市的制造业工业公司,采用有目的抽样。数据来源于金融服务管理局、中央统计局和印尼银行。结果表明,通货膨胀调节的净资产收益率对伊斯兰社会报告具有正显著的影响,流动比率对伊斯兰社会报告具有正显著的影响,而汇率调节的债务对伊斯兰社会报告具有正显著的影响。然而,通货膨胀调节公司规模对伊斯兰社会报告不显着。为了得到祝福,制造业需要企业的意识来实施伊斯兰社会报告,金融服务管理局为所有部门实施和制定ISR指标,投资者充分应用伊斯兰教原则来获得祝福,人们购买清真和托伊班的产品,政府也要保持汇率稳定和通货膨胀。
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引用次数: 0
THE EFFECT OF PERCEIVED VALUE ON E-COMMERCE APPLICATIONS IN FORMING CUSTOMER PURCHASE INTEREST AND ITS EFFECT ON USER LOYALTY 感知价值对电子商务应用形成顾客购买兴趣的影响及其对用户忠诚度的影响
Pub Date : 2021-07-03 DOI: 10.33019/IJBE.V5I2.340
Berlintina Permatasari, J. Jaelani
This reserach gives special attention to the value that drives users to engage in trading activities through e-commerce. The purpose of this study is to identify the effect of perceived value on user buying interest, the effect of purchase intention on the level of trust, the effect of trust on the level of satisfaction, the effect of trust on the level of loyalty, and the effect of satisfaction on the level of loyalty. This research uses Structural Equation Modelling (SEM) analyzed by SPSS AMOS software. This study proves that perceived value is able to influence purchase intention and user trust, which in turn will form loyalty. The practical implications of this research are to provide input on the importance of perceived value to build customer loyalty, which in turn can provide sustainable benefits.
本研究特别关注驱动用户通过电子商务从事交易活动的价值。本研究的目的是确定感知价值对用户购买兴趣的影响、购买意愿对信任水平的影响、信任对满意度水平的影响、信任对忠诚度水平的影响、满意度对忠诚度水平的影响。本研究采用结构方程模型(SEM),利用SPSS AMOS软件进行分析。本研究证明,感知价值能够影响购买意愿和用户信任,进而形成忠诚。本研究的实际意义在于提供感知价值对建立顾客忠诚度的重要性的输入,这反过来又可以提供可持续的利益。
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引用次数: 2
The Development Strategy Of Halal Nature Tourism Based On The Empowerment Of Bangka Belitung Coastal Community 基于邦加勿里洞沿海社区赋权的清真自然旅游发展策略
Pub Date : 2021-07-03 DOI: 10.33019/IJBE.V5I2.363
Heriyanni Mashithoh, A. Mulyana, R. Wardhani
The purpose of this research is to identify internal and external factors and analyze the strengths, weaknesses, opportunities and threats in developing halal ecotourism based on the empowerment of coastal communities in Bangka Belitung. Furthermore, a strategy for development is formulated by minimizing weaknesses and threats, maximizing utilization of opportunities and strengths. The background of this research departs from the complaints of Muslim tourists when visiting a region or country that they doubt the halalness of food and the lack of available places of worship and the trend of world tourism based on nature and environmentally friendly. The locus chosen in this study was the Province of Bangka Belitung Islands. The potential of an archipelagic province with exotic beaches and one of the largest fish producers, makes fishermen and coastal communities dependent on marine products and their products. This research is a qualitative descriptive study. The results obtained in this study are the need for community empowerment in the development of tourism products in accordance with local government regulations and policies as well as the values of politeness and morality, the development of marketing for halal nature tourism programs and the physical, social, cultural and economic environment of the community.
本研究的目的是识别内部和外部因素,分析基于邦加勿里洞沿海社区赋权发展清真生态旅游的优势、劣势、机会和威胁。此外,制定发展战略的办法是尽量减少弱点和威胁,尽量利用机会和优势。本研究的背景来自于穆斯林游客在访问一个地区或国家时对食物的清真度和礼拜场所的缺乏的抱怨,以及基于自然和环境友好的世界旅游的趋势。本研究选择的地点是邦加勿里洞群岛省。这个群岛省份拥有奇特的海滩和最大的鱼类生产国之一,其潜力使渔民和沿海社区依赖海洋产品及其产品。本研究为定性描述性研究。本研究的结果是:在符合当地政府法规和政策以及礼貌和道德价值观的旅游产品开发中需要社区赋权,清真自然旅游项目的营销发展以及社区的物质,社会,文化和经济环境。
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引用次数: 1
EMPIRICAL STUDY OF INCOME MANAGEMENT BASED ON CASH FLOWS, AUDITOR QUALITY AND COMPANY VALUE IN INDONESIA 印尼基于现金流、审计师素质和公司价值的收益管理实证研究
Pub Date : 2021-07-03 DOI: 10.33019/IJBE.V5I2.359
Marheni Marheni
AbstractThis study aims were to determine the effect of cash flow-based earnings management on firm value as moderated by the variable Good Corporate Governance. This research is explanatory research. The research population is manufacturing companies on the Indonesia Stock Exchange in 2014-2015. Methods of data analysis using Moderating Regression Analysis (MRA). This study explains that cash flow-based earnings management has an effect on firm value. Auditor quality has a significant effect on firm value. Likewise, management ownership has no effect on firm value.  Keywords: earnings management, cash flow, company value and Good Corporate Governance
摘要本研究旨在探讨现金流盈余管理对公司价值的影响,并以良好公司治理为调节变量。本研究为解释性研究。研究对象为2014-2015年在印尼证券交易所上市的制造业公司。使用调节回归分析(MRA)的数据分析方法。本研究解释了基于现金流量的盈余管理对企业价值的影响。审计师素质对企业价值有显著影响。同样,管理层所有权对公司价值也没有影响。关键词:盈余管理、现金流、公司价值和良好的公司治理
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引用次数: 2
期刊
Integrated Journal of Business and Economics
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