This research aims to determine the influence of Debt to Equity Ratio, Return On Equity, Earning Per Share, Company Size and Dividend Policy either partially or simultaneously on the Value of Companies in the Properties & Real Estate Sector listed on the Indonesian Sharia Stock Index. This research was conducted using annual data from 2019 to 2021. The data used in this research is secondary data using published financial reports and accessed through the relevant company websites. The model used in this research is panel data fixed effect model, classical assumption test and hypothesis test with a significance value of 5%. The data processing was carried out using the Eviews12 analysis tool. The results show that Debt to Equity Ratio, Return On Equity, Earning Per Share and Dividend Policy partially have a significant effect on Company Value. However, partial company size does not have a significant effect on company value. Simultaneously Debt to Equity Ratio, Return On Equity, Earning Per Share, Company Size and Dividend Policy together have a significant effect on the Value of Companies in the Properties & Real Estate Sector listed on the Indonesian Sharia Stock Index.
{"title":"ANALYSIS OF FACTORS AFFECTING COMPANY VALUE IN THE PROPERTIES AND REAL ESTATE SECTOR IN ISSI","authors":"Rahmatul Husna, Nisya Julian Atika, Chintia Irawati, Nurmila Dewi, Rahmi Raihan","doi":"10.52490/attijarah.v5i2.2367","DOIUrl":"https://doi.org/10.52490/attijarah.v5i2.2367","url":null,"abstract":"This research aims to determine the influence of Debt to Equity Ratio, Return On Equity, Earning Per Share, Company Size and Dividend Policy either partially or simultaneously on the Value of Companies in the Properties & Real Estate Sector listed on the Indonesian Sharia Stock Index. This research was conducted using annual data from 2019 to 2021. The data used in this research is secondary data using published financial reports and accessed through the relevant company websites. The model used in this research is panel data fixed effect model, classical assumption test and hypothesis test with a significance value of 5%. The data processing was carried out using the Eviews12 analysis tool. The results show that Debt to Equity Ratio, Return On Equity, Earning Per Share and Dividend Policy partially have a significant effect on Company Value. However, partial company size does not have a significant effect on company value. Simultaneously Debt to Equity Ratio, Return On Equity, Earning Per Share, Company Size and Dividend Policy together have a significant effect on the Value of Companies in the Properties & Real Estate Sector listed on the Indonesian Sharia Stock Index.","PeriodicalId":354867,"journal":{"name":"AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah","volume":"124 19","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139134875","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 : 2023-12-31DOI: 10.52490/attijarah.v5i2.2073
Rahmi Syaputri, Lia Safrina, Malahayatie
The tourism sector is currently one of the sectors that has great potential to increase regional income in Indonesia. However, there are still many areas with tourism potential that are not developed and even tend to be neglected. This is certainly not in accordance with one of the regional government's plans for developing tourist villages. and also the Cultural and Tourism Development Policy instructed by the President Number 16 of 2005. The Samudra Pasai royal complex tourist attraction is located in two locations, namely in Gampong Beuringen and in Gampong Kuta Kareng which is one of the mainstay religious tourist attractions in North Aceh district. This research is qualitative research using descriptive analysis to explain the role of tourist attractions in increasing the income of traders in the surrounding area. Data collection was carried out by interviewing informants from the North Aceh Culture Service, the Samudra Pasai Kingdom Tourism Object Manager, Village Heads and traders. This research provides results that the Samudra Pasai Royal Complex tourist attraction has not provided a maximum role in increasing traders' income.
{"title":"ROLE OF THE PASAI SAMUDRA KINGDOM COMPLEX TOURISM OBJECT TOWARDS INCREASING TRADERS' INCOME","authors":"Rahmi Syaputri, Lia Safrina, Malahayatie","doi":"10.52490/attijarah.v5i2.2073","DOIUrl":"https://doi.org/10.52490/attijarah.v5i2.2073","url":null,"abstract":"The tourism sector is currently one of the sectors that has great potential to increase regional income in Indonesia. However, there are still many areas with tourism potential that are not developed and even tend to be neglected. This is certainly not in accordance with one of the regional government's plans for developing tourist villages. and also the Cultural and Tourism Development Policy instructed by the President Number 16 of 2005. The Samudra Pasai royal complex tourist attraction is located in two locations, namely in Gampong Beuringen and in Gampong Kuta Kareng which is one of the mainstay religious tourist attractions in North Aceh district. This research is qualitative research using descriptive analysis to explain the role of tourist attractions in increasing the income of traders in the surrounding area. Data collection was carried out by interviewing informants from the North Aceh Culture Service, the Samudra Pasai Kingdom Tourism Object Manager, Village Heads and traders. This research provides results that the Samudra Pasai Royal Complex tourist attraction has not provided a maximum role in increasing traders' income.","PeriodicalId":354867,"journal":{"name":"AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah","volume":"118 48","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139135312","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 : 2023-12-31DOI: 10.52490/attijarah.v5i2.2131
Anggi Ristiyana Puspita Sari, Budi Sukardi
The scientific importance of Indonesia's Islamic banks' state is the focus of this study using a strategy based on the Risk-based Bank Rating technique. This quantitative descriptive research analyzes the health of Indonesia's Islamic commercial banks, namely Bank Syariah Indonesia and Bank Muamalat Indonesia, for the years 2019 to 2022, focusing on the degree of bank health as measured by the RBBR approach. The study's data analysis leads to the conclusion that Bank Syariah Indonesia's overall condition is represented by a Composite Rank 2 (PK-2) of 85% in 2019, meaning that it is deemed "Healthy" and capable of withstanding significant negative influences from changes in business conditions and other external factors. However Bank Muamalat Indonesia's overall composite rating (PK3), or "Healthy Enough," corresponds to the bank's evaluation of its health level from 2019 to 2022 using the Risk-based Bank Rating method, which includes indicators of Risk Profile, Good Corporate Governance, Earnings (Rentability), and Capital as a whole.
{"title":"EXAMINING INDONESIA'S ISLAMIC COMMERCIAL BANKS HEALTH STATUS USING THE RBBR METHOD","authors":"Anggi Ristiyana Puspita Sari, Budi Sukardi","doi":"10.52490/attijarah.v5i2.2131","DOIUrl":"https://doi.org/10.52490/attijarah.v5i2.2131","url":null,"abstract":"The scientific importance of Indonesia's Islamic banks' state is the focus of this study using a strategy based on the Risk-based Bank Rating technique. This quantitative descriptive research analyzes the health of Indonesia's Islamic commercial banks, namely Bank Syariah Indonesia and Bank Muamalat Indonesia, for the years 2019 to 2022, focusing on the degree of bank health as measured by the RBBR approach. The study's data analysis leads to the conclusion that Bank Syariah Indonesia's overall condition is represented by a Composite Rank 2 (PK-2) of 85% in 2019, meaning that it is deemed \"Healthy\" and capable of withstanding significant negative influences from changes in business conditions and other external factors. However Bank Muamalat Indonesia's overall composite rating (PK3), or \"Healthy Enough,\" corresponds to the bank's evaluation of its health level from 2019 to 2022 using the Risk-based Bank Rating method, which includes indicators of Risk Profile, Good Corporate Governance, Earnings (Rentability), and Capital as a whole.","PeriodicalId":354867,"journal":{"name":"AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah","volume":" 628","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139136731","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 : 2023-12-31DOI: 10.52490/attijarah.v5i2.2223
Eko Prasetio, Enny Puji lestari, Agus Alimudin, Syukron Nashirudin
This research aims to investigate the role of SWOT analysis in identifying the strengths, weaknesses, opportunities, and threats faced by the registration management financing product of BPRS Metro Madani KC Tulang Bawang Barat. The study adopts a qualitative research approach, employing data collection techniques such as interviews, observations, and documentation. Results from the research indicate that the registration management financing product at BPRS Metro Madani KC Tulang Bawang Barat possesses strengths and opportunities, enabling it to effectively confront the identified threats and weaknesses. The obstacles to implementing SWOT analysis in the placement process are significantly influenced by the policies issued by the central office of BPRS Metro Madani
本研究旨在调查 SWOT 分析在确定 BPRS Metro Madani KC Tulang Bawang Barat 登记管理融资产品所面临的优势、劣势、机会和威胁方面的作用。本研究采用定性研究方法，运用访谈、观察和文献等数据收集技术。研究结果表明，BPRS Metro Madani KC Tulang Bawang Barat 的登记管理融资产品拥有优势和机遇，使其能够有效应对已识别的威胁和劣势。在安置过程中实施 SWOT 分析的障碍在很大程度上受到 BPRS Metro Madani 中央办公室发布的政策的影响。
{"title":"IMPLEMENTATION OF FINANCING PRODUCTS FOR HAJJ REGISTRATION BPRS METRO MADANI KC TULANG BAWANG BARAT","authors":"Eko Prasetio, Enny Puji lestari, Agus Alimudin, Syukron Nashirudin","doi":"10.52490/attijarah.v5i2.2223","DOIUrl":"https://doi.org/10.52490/attijarah.v5i2.2223","url":null,"abstract":"This research aims to investigate the role of SWOT analysis in identifying the strengths, weaknesses, opportunities, and threats faced by the registration management financing product of BPRS Metro Madani KC Tulang Bawang Barat. The study adopts a qualitative research approach, employing data collection techniques such as interviews, observations, and documentation. Results from the research indicate that the registration management financing product at BPRS Metro Madani KC Tulang Bawang Barat possesses strengths and opportunities, enabling it to effectively confront the identified threats and weaknesses. The obstacles to implementing SWOT analysis in the placement process are significantly influenced by the policies issued by the central office of BPRS Metro Madani","PeriodicalId":354867,"journal":{"name":"AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah","volume":"13 6","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139130037","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 : 2023-12-31DOI: 10.52490/attijarah.v5i2.1946
Husni Kamal, Ema Fitriyani, Mukhtasar
This research aims to determine and analyze whether there is influence of mobile banking services on the number of customers of Bank Aceh Syariah KCP Batuphat. In this study using primary data obtained from distributing questionnaires, where the population in this study was 997 mobile banking action users, the data was obtained from Bank Aceh Syariah KCP Batuphat. The samples in this study were 90 mobile banking action users. The data used accidental sampling technique, which tested using validity test, reliability test, classic assumption test, multiple determination test (R2), partial test, simultaneous test, simple regression test. As for the results of testing the hypothesis in this study, namely, the partial test results show a t-count value of 6,907 > t-table (1,987) and a significant value of 0,000 <0.05 so that mobile banking services have a positive and significant effect on the number of customers. The results of the multiple determination test (R2) show that the value of R2 is 0.569, meaning that the contribution of mobile banking services to the variable number of customers is 56.5%. The results of simple linear regression show that there is an effect of mobile banking services on the number of customers with a value of 0.149 or 14.9%.
本研究旨在确定和分析手机银行服务是否会影响亚齐伊斯兰银行巴图巴特客户的数量。本研究使用了通过发放问卷获得的原始数据，研究对象为997名手机银行用户，数据来自亚齐KCP Batuphat银行。本研究的样本为 90 名手机银行用户。数据采用意外抽样技术，使用有效性检验、可靠性检验、经典假设检验、多重确定检验（R2）、部分检验、同时检验、简单回归检验进行检验。至于本研究中的假设检验结果，即部分检验结果显示 t 计数值为 6 907 > t 表（1 987），显著值为 0 000 <0.05，因此手机银行服务对客户数量有积极显著的影响。多重判定检验（R2）结果显示，R2 值为 0.569，即手机银行服务对客户数量变量的贡献率为 56.5%。简单线性回归结果显示，手机银行服务对客户数量的影响值为 0.149，占 14.9%。
{"title":"INFLUENCE OF MOBILE BANKING SERVICE THE NUMBER OF CUSTOMERS BANK ACEH ISLAMIC KCP BATUPHAT, LHOKSEUMAWE","authors":"Husni Kamal, Ema Fitriyani, Mukhtasar","doi":"10.52490/attijarah.v5i2.1946","DOIUrl":"https://doi.org/10.52490/attijarah.v5i2.1946","url":null,"abstract":"This research aims to determine and analyze whether there is influence of mobile banking services on the number of customers of Bank Aceh Syariah KCP Batuphat. In this study using primary data obtained from distributing questionnaires, where the population in this study was 997 mobile banking action users, the data was obtained from Bank Aceh Syariah KCP Batuphat. The samples in this study were 90 mobile banking action users. The data used accidental sampling technique, which tested using validity test, reliability test, classic assumption test, multiple determination test (R2), partial test, simultaneous test, simple regression test. As for the results of testing the hypothesis in this study, namely, the partial test results show a t-count value of 6,907 > t-table (1,987) and a significant value of 0,000 <0.05 so that mobile banking services have a positive and significant effect on the number of customers. The results of the multiple determination test (R2) show that the value of R2 is 0.569, meaning that the contribution of mobile banking services to the variable number of customers is 56.5%. The results of simple linear regression show that there is an effect of mobile banking services on the number of customers with a value of 0.149 or 14.9%.","PeriodicalId":354867,"journal":{"name":"AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah","volume":"89 12","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139132164","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 : 2023-06-30DOI: 10.52490/attijarah.v5i1.1634
Muhammad Khoiri Gusmar, Isra Maulina, M. Mukhtasar
This study aims to determine the effect of each dimension of service quality, namely security, convenience and speed on the level of customer satisfaction at PT Bank Sumut Syariah Katamso Branch Office. The variables in this study are security, convenience, speed, and customer satisfaction. The independent variables (x) in this study include: Security (X1), Ease (X2), and Speed (X3). For variable (Y) customer satisfaction. The method used in this study is a descriptive quantitative method. The population in this study are all customers of Bank Sumut who use mobile banking. The sample used was 99 respondents with a non-probably method with accidental sampling technique. The results showed that partially the security variable had a significant effect on the level of customer satisfaction with Tcount 0.05. The convenience variable has a significant effect on the level of customer satisfaction with Tcount 0.05. The speed variable has a significant effect on the level of customer satisfaction with Tcount < Ttable 3.432 < 1.985 with a significant level of 0.000 > 0.05. And simultaneously the variables of security, convenience and speed have a significant effect on the level of customer satisfaction, with Fcount >Ftable, 46, 469 > 2.70 with a significant value of 0.000 <0.05 at the Bank of North Sumatra, the Katamso Sharia Branch Office.
{"title":"ANALYSIS OF THE INFLUENCE OF MOBILE BANKING SERVICE QUALITY ON THE LEVEL OF CUSTOMER SATISFACTION AT PT.BANK SUMUT KATAMSO SYARIAH BRANCH OFFICE","authors":"Muhammad Khoiri Gusmar, Isra Maulina, M. Mukhtasar","doi":"10.52490/attijarah.v5i1.1634","DOIUrl":"https://doi.org/10.52490/attijarah.v5i1.1634","url":null,"abstract":"This study aims to determine the effect of each dimension of service quality, namely security, convenience and speed on the level of customer satisfaction at PT Bank Sumut Syariah Katamso Branch Office. The variables in this study are security, convenience, speed, and customer satisfaction. The independent variables (x) in this study include: Security (X1), Ease (X2), and Speed (X3). For variable (Y) customer satisfaction. The method used in this study is a descriptive quantitative method. The population in this study are all customers of Bank Sumut who use mobile banking. The sample used was 99 respondents with a non-probably method with accidental sampling technique. The results showed that partially the security variable had a significant effect on the level of customer satisfaction with Tcount 0.05. The convenience variable has a significant effect on the level of customer satisfaction with Tcount 0.05. The speed variable has a significant effect on the level of customer satisfaction with Tcount < Ttable 3.432 < 1.985 with a significant level of 0.000 > 0.05. And simultaneously the variables of security, convenience and speed have a significant effect on the level of customer satisfaction, with Fcount >Ftable, 46, 469 > 2.70 with a significant value of 0.000 <0.05 at the Bank of North Sumatra, the Katamso Sharia Branch Office.","PeriodicalId":354867,"journal":{"name":"AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129123100","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 : 2023-06-30DOI: 10.52490/attijarah.v5i1.1639
Neri Aslina, Fithri Mehdini Addieningrum
Murabaha financing is one of the financing programs for the community. The existence of murabaha financing provides financial support for people in need. The purpose of this research is to study the financial system related to the financial management of the Murabahah contract financing products offered by BPRS Syarikat Madani, Batam City. This research is a type of qualitative research or also known as case study research. Data collection tool is done through observation, interviews and documentation. The data analysis technique used is a qualitative data analysis technique. The results of the study show that the Syarikat Madani Islamic People's Financing Bank (BPRS) in Batam City uses a Murabahah contract as one of its main financing products. The management of Murabahah contract financing products is carried out in accordance with sharia principles. The Bank provides clear information to customers regarding the selling price, markup, tenor and terms of financing using the principles of transparency, fairness and sustainability.
Murabaha融资是社区融资项目之一。murabaha融资的存在为有需要的人提供财政支持。本研究的目的是研究与巴淡市BPRS Syarikat Madani提供的Murabahah合约融资产品财务管理相关的金融体系。这种研究是一种定性研究，也被称为案例研究。数据收集工具是通过观察、访谈和记录来完成的。所使用的数据分析技术是一种定性数据分析技术。研究结果表明，巴淡市的Syarikat Madani伊斯兰人民融资银行(BPRS)将Murabahah合同作为其主要融资产品之一。Murabahah合同融资产品的管理是按照伊斯兰教原则进行的。本银行本着透明、公平和可持续的原则，向客户提供有关销售价格、加价、期限和融资条件的明确信息。
{"title":"ANALYSIS OF THE FINANCIAL SYSTEM MANAGEMENT OF MURABAHAH FINANCING PRODUCTS IN SHARIA PEOPLE'S FINANCING BANK (BPRS) CIVIL SYARIKAT IN BATAM CITY","authors":"Neri Aslina, Fithri Mehdini Addieningrum","doi":"10.52490/attijarah.v5i1.1639","DOIUrl":"https://doi.org/10.52490/attijarah.v5i1.1639","url":null,"abstract":"Murabaha financing is one of the financing programs for the community. The existence of murabaha financing provides financial support for people in need. The purpose of this research is to study the financial system related to the financial management of the Murabahah contract financing products offered by BPRS Syarikat Madani, Batam City. This research is a type of qualitative research or also known as case study research. Data collection tool is done through observation, interviews and documentation. The data analysis technique used is a qualitative data analysis technique. The results of the study show that the Syarikat Madani Islamic People's Financing Bank (BPRS) in Batam City uses a Murabahah contract as one of its main financing products. The management of Murabahah contract financing products is carried out in accordance with sharia principles. The Bank provides clear information to customers regarding the selling price, markup, tenor and terms of financing using the principles of transparency, fairness and sustainability.","PeriodicalId":354867,"journal":{"name":"AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah","volume":"145 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115635094","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 : 2023-06-30DOI: 10.52490/attijarah.v5i1.345
Septiana Wurianti, Susi Susanti, A. Hidayat, Ibnu Muttaqin
The desire to invest in Indonesian society including student is still very low, especially investment in the capital market. This is because of the views of the community and students who think that invesment contains risks and requires a lot of capital. In this reseacrh, the purpose to do knowing the effect of motivation and minimal capital on investment interest in the capital market in Pati Ex-residency students. The population in this research were students of the former residency of starch which included STAI Pati, IPMAFA, IAIN Kudus, University of Muria Kudus, STIKES BAKTI UTAMA, and UNISNU Jepara with a total sample of 102 students. Sampling method with random sampling technique. The method used to analyze the data is multiple linear regression. The results of this study indicate that motivation, minimal capital has an effect on the interest of Ex-Residency Pati students to invest in the islamic capital market.
{"title":"THE INFLUENCE OF MOTIVATION AND MINIMAL CAPITAL ON STUDENTS' INTEREST IN INVESTING IN THE ISLAMIC CAPITAL MARKET AT THE EX-RESIDENCE OF PATI","authors":"Septiana Wurianti, Susi Susanti, A. Hidayat, Ibnu Muttaqin","doi":"10.52490/attijarah.v5i1.345","DOIUrl":"https://doi.org/10.52490/attijarah.v5i1.345","url":null,"abstract":"The desire to invest in Indonesian society including student is still very low, especially investment in the capital market. This is because of the views of the community and students who think that invesment contains risks and requires a lot of capital. In this reseacrh, the purpose to do knowing the effect of motivation and minimal capital on investment interest in the capital market in Pati Ex-residency students. The population in this research were students of the former residency of starch which included STAI Pati, IPMAFA, IAIN Kudus, University of Muria Kudus, STIKES BAKTI UTAMA, and UNISNU Jepara with a total sample of 102 students. Sampling method with random sampling technique. The method used to analyze the data is multiple linear regression. The results of this study indicate that motivation, minimal capital has an effect on the interest of Ex-Residency Pati students to invest in the islamic capital market.","PeriodicalId":354867,"journal":{"name":"AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah","volume":"58 4","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"120906364","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 : 2023-06-30DOI: 10.52490/attijarah.v5i1.593
N. Subhi, Fajri Ryan Isnandar
The development of the potential UMKM in indonesia cannot be separated from the support of bank in the distribution of financing to UMKM actors. The role of islamic banking in developing community business, especially UMKM, is to participate in providing financing to the community to the development their business. The purpose of this study is to determine the effect of microfinance on the business development of PT Bank Syariah Indonesia KCP Klender customers and to determine the difference in customer sales turnover before and after receiving financing. The research methodology used is a quantitative approach. The results of the research conducted indicate that microfinance has a significant effect on the development of the costumer’s business. Microfinance has a significant effect on the business development of customers PT Bank Syariah Indonesia KCP Klender, seen from the results of data processing the value of the coefficient of determination R= 0.919 and R²= 0.844. This means that 84% of the micro financing variables of PT Bank Syariah Indonesia KCP Klender effect business development, and the remaining 16% is influenced by other variables or factors.
在印度尼西亚发展潜在的UMKM离不开银行在向UMKM行动者分配资金方面的支持。伊斯兰银行在发展社区业务，特别是UMKM方面的作用是参与向社区提供融资以发展其业务。本研究的目的是确定小额信贷对PT Bank Syariah Indonesia KCP Klender客户业务发展的影响，并确定获得融资前后客户销售营业额的差异。使用的研究方法是定量方法。研究结果表明，小额信贷对客户业务的发展有显著的影响。小额信贷对客户PT Bank Syariah Indonesia KCP Klender的业务发展有显著的影响，从数据处理的结果来看，决定系数的值R= 0.919, R²= 0.844。这意味着PT Bank Syariah Indonesia KCP Klender的小额融资变量中有84%影响业务发展，其余16%受到其他变量或因素的影响。
{"title":"EFFECT OF MICRO FINANCING ON BUSINESS DEVELOPMENT AFTER GETTING FINANCING","authors":"N. Subhi, Fajri Ryan Isnandar","doi":"10.52490/attijarah.v5i1.593","DOIUrl":"https://doi.org/10.52490/attijarah.v5i1.593","url":null,"abstract":"The development of the potential UMKM in indonesia cannot be separated from the support of bank in the distribution of financing to UMKM actors. The role of islamic banking in developing community business, especially UMKM, is to participate in providing financing to the community to the development their business. The purpose of this study is to determine the effect of microfinance on the business development of PT Bank Syariah Indonesia KCP Klender customers and to determine the difference in customer sales turnover before and after receiving financing. The research methodology used is a quantitative approach. The results of the research conducted indicate that microfinance has a significant effect on the development of the costumer’s business. Microfinance has a significant effect on the business development of customers PT Bank Syariah Indonesia KCP Klender, seen from the results of data processing the value of the coefficient of determination R= 0.919 and R²= 0.844. This means that 84% of the micro financing variables of PT Bank Syariah Indonesia KCP Klender effect business development, and the remaining 16% is influenced by other variables or factors.\u0000 ","PeriodicalId":354867,"journal":{"name":"AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah","volume":"8 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128398341","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 : 2023-06-30DOI: 10.52490/attijarah.v5i1.1565
Ramadhan Razali, Riska Mahqdalena
Increasing the halal industry is carried out through various efforts by the government. One sector that has escaped the government's attention is the tourism sector. This study aims to determine the development of halal tourism on Bantayan Beach. Data collection was done by interview technique. The respondents in this study were business owners and local government. The findings from this study are that Bantanyan Seunudon Beach has made efforts to create halal tourism. The illustration and construction can be seen from the provision of sharia-based places, the construction of sharia culture, and sharia facilities.
{"title":"DEVELOPMENT OF HALAL TOURISM AREA ON BANTAYAN BEACH SENEUDON","authors":"Ramadhan Razali, Riska Mahqdalena","doi":"10.52490/attijarah.v5i1.1565","DOIUrl":"https://doi.org/10.52490/attijarah.v5i1.1565","url":null,"abstract":"Increasing the halal industry is carried out through various efforts by the government. One sector that has escaped the government's attention is the tourism sector. This study aims to determine the development of halal tourism on Bantayan Beach. Data collection was done by interview technique. The respondents in this study were business owners and local government. The findings from this study are that Bantanyan Seunudon Beach has made efforts to create halal tourism. The illustration and construction can be seen from the provision of sharia-based places, the construction of sharia culture, and sharia facilities.","PeriodicalId":354867,"journal":{"name":"AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah","volume":"56 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124714340","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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