Using a qualitative method with eksploratory approach, it finds that Mandiri Syariah Bank Branch Manado has implemented a Bank Indonesia Regulation on Liquidity Financing of the Syariah Mandiri Bank Branch Manado, which has not yet been difficult to meet the statutory reserve requirement in rupiah. But this cannot be ignored given the factors that might be questioned regarding the problem of funds in meeting their clear needs which is unpredictable and can be returned to the internal and external. The existence of this regulation can provide solutions to problems such as Islamic banking to obtain financing from Bank Indonesia by fulfilling the requirements set by Bank Indonesia such as providing collateral containing securities and contributions from the Financial Services Authority. Penggunaan metode kualitatif dengan pendekatan eksplorasi, ditemukan bahwa Bank Syariah Mandiri Cabang Manado telah mengimplementasikan Peraturan Bank Indonesia tentang Pembiayaan Likuiditas Jangka Pendek kepada Bank Syariah dengan melakukan sosialisasi dan pelatihan terhadap pihak-pihak yang berkepentingan. Bank Syariah Mandiri Cabang Manado juga belum menghadapi kesulitan dalam memenuhi kewajiban giro wajib minimum (GWM) dalam rupiah. Namun hal ini tidak dapat disepelekan mengingat terdapat faktor-faktor yang mungkin saja dapat berpotensi menjadi risiko adanya kesulitan dana dalam memenuhi kewajibannya yang jelas yang tidak dapat diramalkan dan dihindari baik itu dari intern maupun ekstern. Dengan adanya peraturan ini dapat memberikan solusi terhadap masalah likuditas khususnya pada perbankan syariah untuk mendapatkan pembiayaan dari Bank Indonesia dengan memenuhi persyaratan yang ditetapkan oleh Bank Indonesia seperti memberikan agunan berupa surat berharga dan rekomendasi dari Otoritas Jasa Keuangan
采用定性方法和实证分析的方法，发现Mandiri Mandiri Bank Branch Manado实施了一项Bank Indonesia Regulation on the Syariah Mandiri Bank Branch Manado的流动性融资，目前还没有很难达到法定的印尼盾准备金要求。但是，鉴于在满足其明确需要方面可能受到质疑的资金问题的因素，这一点是不能忽视的，这些需求是不可预测的，可以回到内部和外部。这一规定的存在可以为伊斯兰银行等问题提供解决方案，通过满足印度尼西亚银行设定的要求，例如提供包含证券和金融服务管理局捐款的抵押品，从印度尼西亚银行获得融资。pengunaan metalitatif dengan pendekatan eksplingan, ditemukan bahwa Bank，伊斯兰教，Mandiri, Cabang Manado, telah mengimplementaskan Peraturan Bank，印度尼西亚，penbiayaan likuidis, janka Pendek kepada Bank，伊斯兰教，dengan, melakukan，社会，社会，和pelatihan terhadap pihak-pihak yang berkepentingan。银行伊斯兰教Mandiri Cabang Manado juga belum menghadapi kesulitan dalam memenuhi kewajiban giro wajib minimum (GWM) dalam印尼盾。Namun hal ini tidak dapat disepelekan mengingat terdapat factor - factor for yang mungkin saja dapat berpotensi menjadi risko adanya kesulitan dana dalam memenuhi kewajibannya yang jelas yang tidak dapat diramalkan dandihindari baiitu dari intern maupun西部。印尼印尼银行(Indonesia Bank)印尼银行(Indonesia Bank)印尼银行(Indonesia Bank)印尼银行(Indonesia Bank)印尼银行(Indonesia Bank)印尼银行(Indonesia Bank)印尼银行(Indonesia Bank)印尼银行(Indonesia Bank)印尼银行(Indonesia Bank)印尼银行(Indonesia Bank)独立成员印尼银行(agunan berupa surat berharga dan rekomendasi dari otorans)
{"title":"Implementasi Peraturan Bank Indonesia Tentang Pembiayaan Likuiditas Jangka Pendek Syariah Pada Bank Syariah Mandiri Cabang Manado","authors":"Fitria Ayu Lestari Niu","doi":"10.30984/FEBI.V4I1.877","DOIUrl":"https://doi.org/10.30984/FEBI.V4I1.877","url":null,"abstract":"Using a qualitative method with eksploratory approach, it finds that Mandiri Syariah Bank Branch Manado has implemented a Bank Indonesia Regulation on Liquidity Financing of the Syariah Mandiri Bank Branch Manado, which has not yet been difficult to meet the statutory reserve requirement in rupiah. But this cannot be ignored given the factors that might be questioned regarding the problem of funds in meeting their clear needs which is unpredictable and can be returned to the internal and external. The existence of this regulation can provide solutions to problems such as Islamic banking to obtain financing from Bank Indonesia by fulfilling the requirements set by Bank Indonesia such as providing collateral containing securities and contributions from the Financial Services Authority. Penggunaan metode kualitatif dengan pendekatan eksplorasi, ditemukan bahwa Bank Syariah Mandiri Cabang Manado telah mengimplementasikan Peraturan Bank Indonesia tentang Pembiayaan Likuiditas Jangka Pendek kepada Bank Syariah dengan melakukan sosialisasi dan pelatihan terhadap pihak-pihak yang berkepentingan. Bank Syariah Mandiri Cabang Manado juga belum menghadapi kesulitan dalam memenuhi kewajiban giro wajib minimum (GWM) dalam rupiah. Namun hal ini tidak dapat disepelekan mengingat terdapat faktor-faktor yang mungkin saja dapat berpotensi menjadi risiko adanya kesulitan dana dalam memenuhi kewajibannya yang jelas yang tidak dapat diramalkan dan dihindari baik itu dari intern maupun ekstern. Dengan adanya peraturan ini dapat memberikan solusi terhadap masalah likuditas khususnya pada perbankan syariah untuk mendapatkan pembiayaan dari Bank Indonesia dengan memenuhi persyaratan yang ditetapkan oleh Bank Indonesia seperti memberikan agunan berupa surat berharga dan rekomendasi dari Otoritas Jasa Keuangan","PeriodicalId":362415,"journal":{"name":"Tasharruf: Journal Economics and Business of Islam","volume":"18 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-07-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129045855","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}
Abstract:This study aims to find the effect of Service and Profit Sharing on Non-Muslim Customer Interests to Become Customers in BRI Syariah Manado. The main problem is how much the influence of the Service and Profit Sharing toward the Interests of Non-Muslim to Become Customers in BRI Syariah Manado. The type of research used is quantitative research. The population in this study were non-Muslim customersof BRI Syariah Manado.Data analysis techniques in this study are validity test, reliability test, normality test, multicollinearity test, autocorrelation test, heteroscedasticity test, multiple regression test, F test and T test.The results of this study conclude that the Regression Coefficient X1 (service) is 0.336 (33.6), service is a factor that affects the interest of non-Muslim to become customers of the BRI Branch KC (Branch Office) Manado, and the Regression Coefficient X2 (Profit Sharing) amounting to 0.410 (41.0), stating that the Profit Sharing variable has a positive influence and the most influential factor on the interest of non-Muslim to become BRI Syariah Manado customers. based on the results of these studies, it conclude that the better the Bank Sharing Profit, the better the interest of non-Muslim customers to become customers. Furthermore, it is recommended for the BRI Syariah KC (Branch Office) Manado to further improve the quality of services so that the non-Muslim community is more interested in becoming a customer at the Manado KC (Branch Office) BRI and for Profit Sharing should be more concerned by the bank, so that non-Muslims are more familiar with Profit Sharing Products.Keyword: service, Profit sharing, interest.
{"title":"The Effect of Service and Profit Sharing on the Interests of Non-Muslim Customer to be Customer of Sharia Bank (Case Study At BRI Syariah KC (Branch Office) Manado)","authors":"Nur Atika Thayeb","doi":"10.30984/tjebi.v3i2.787","DOIUrl":"https://doi.org/10.30984/tjebi.v3i2.787","url":null,"abstract":"Abstract:This study aims to find the effect of Service and Profit Sharing on Non-Muslim Customer Interests to Become Customers in BRI Syariah Manado. The main problem is how much the influence of the Service and Profit Sharing toward the Interests of Non-Muslim to Become Customers in BRI Syariah Manado. The type of research used is quantitative research. The population in this study were non-Muslim customersof BRI Syariah Manado.Data analysis techniques in this study are validity test, reliability test, normality test, multicollinearity test, autocorrelation test, heteroscedasticity test, multiple regression test, F test and T test.The results of this study conclude that the Regression Coefficient X1 (service) is 0.336 (33.6), service is a factor that affects the interest of non-Muslim to become customers of the BRI Branch KC (Branch Office) Manado, and the Regression Coefficient X2 (Profit Sharing) amounting to 0.410 (41.0), stating that the Profit Sharing variable has a positive influence and the most influential factor on the interest of non-Muslim to become BRI Syariah Manado customers. based on the results of these studies, it conclude that the better the Bank Sharing Profit, the better the interest of non-Muslim customers to become customers. Furthermore, it is recommended for the BRI Syariah KC (Branch Office) Manado to further improve the quality of services so that the non-Muslim community is more interested in becoming a customer at the Manado KC (Branch Office) BRI and for Profit Sharing should be more concerned by the bank, so that non-Muslims are more familiar with Profit Sharing Products.Keyword: service, Profit sharing, interest.","PeriodicalId":362415,"journal":{"name":"Tasharruf: Journal Economics and Business of Islam","volume":"29 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-01-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123660114","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}
AbstractThis study aims to: (1) find out the marketing mix of gold pawn on credit realization partially, (2) find out the marketing mix of gold pawn on credit realization simultaneously, (3) find out the marketing mix of gold pawn effect on the number of customers partially and (4) find out the marketing mix of gold pawn effect on the number of customers simultaneously.The results of the multiple regression analysis show that the promotion mix variable (X1) is -0.033. It means that for every percent of enhancement in the promotion mix, it will reduce the excellence of Pegadaian by 0.033 percent. However, it does not have a significant effect, which means that the size of the promotion costs does not affect the excellence of Pegadaian. Customer satisfaction (X2) is 0.397; it shows that an increase every percent in customer satisfaction will increase the excellence of Pegadaian by 0.397 percent and significant at α of 0.05. Then the interest rate is 0.459. It shows that any percent increase in interest rate will increase the excellence of Pegadaian by 0.459 percent and significant at α of 0.0.By holding the F test, the promotion mix (X1), customer satisfaction (X2) and credit interest rates (X3) simultaneously on the excellence of Pegadaian (Y) is 0,000 < 0,05 and the calculated F value is 18,634 > F table 4,10, so that it can be concluded that the hypothesis is accepted which means there are influences of X1, X2, and X3 simultaneously on Y. The value of R Square is 0.783; it means that the influence of variables X1, X2, and X3 simultaneously on the Y variable is 78.3%. Adjusted R square is 0.620. It shows that, in this study, 62 % can be explained by the studied variables, and the rest explained by other variables outside of this study.Keywords: Analysis, Implementation, Marketing Mix
{"title":"Analysis of Marketing Mix Implementation at Pt. Pegadaian of Malalayang Branch of City of Manado","authors":"Radlyah Hasan Jan","doi":"10.30984/tjebi.v3i2.792","DOIUrl":"https://doi.org/10.30984/tjebi.v3i2.792","url":null,"abstract":"AbstractThis study aims to: (1) find out the marketing mix of gold pawn on credit realization partially, (2) find out the marketing mix of gold pawn on credit realization simultaneously, (3) find out the marketing mix of gold pawn effect on the number of customers partially and (4) find out the marketing mix of gold pawn effect on the number of customers simultaneously.The results of the multiple regression analysis show that the promotion mix variable (X1) is -0.033. It means that for every percent of enhancement in the promotion mix, it will reduce the excellence of Pegadaian by 0.033 percent. However, it does not have a significant effect, which means that the size of the promotion costs does not affect the excellence of Pegadaian. Customer satisfaction (X2) is 0.397; it shows that an increase every percent in customer satisfaction will increase the excellence of Pegadaian by 0.397 percent and significant at α of 0.05. Then the interest rate is 0.459. It shows that any percent increase in interest rate will increase the excellence of Pegadaian by 0.459 percent and significant at α of 0.0.By holding the F test, the promotion mix (X1), customer satisfaction (X2) and credit interest rates (X3) simultaneously on the excellence of Pegadaian (Y) is 0,000 < 0,05 and the calculated F value is 18,634 > F table 4,10, so that it can be concluded that the hypothesis is accepted which means there are influences of X1, X2, and X3 simultaneously on Y. The value of R Square is 0.783; it means that the influence of variables X1, X2, and X3 simultaneously on the Y variable is 78.3%. Adjusted R square is 0.620. It shows that, in this study, 62 % can be explained by the studied variables, and the rest explained by other variables outside of this study.Keywords: Analysis, Implementation, Marketing Mix","PeriodicalId":362415,"journal":{"name":"Tasharruf: Journal Economics and Business of Islam","volume":"13 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-01-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123771472","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}
AbstractThe growing of Sharia Banking has also encouraged the development of its products. One of the sharia banking products that in high demand by the public is housing finance products known as the kongsi pemilikan rumah syari`ah (KPRS). In its implementation, there are differences in some sharia banks; some use the murabahah and other use musyarakah mutanaqishah contracts. In 2008, the National Sharia Council issued a fatwa regarding the musyarakah mutanaqisah contract in financing home ownership. However, the contract was still not implemented by all Sharia banking. In 2012, Bank Indonesia issued a circular letter to all Sharia Banks and Sharia Business Units which further legitimized the application of the musyarakah mutanaqisah contract in sharia banking. Contracts of Musyarakah mutanaqisah in KPR products will facilitate customers in financing the KPR. The advantages of the musyarakah mutanaqisah contract for customers are the more extended financing periods and relatively cheaper installments.Keywords: Mutaqisah Musyarakah contract, Home Ownership Financing.
{"title":"Implication of Musyarakah Mutanaqisah Contract of Syariah Banking (Study of Opportunities and Risks at Bank Mu’amalat, Manado Branch)","authors":"Rahmawaty Rahmawaty","doi":"10.30984/TJEBI.V3I2.791","DOIUrl":"https://doi.org/10.30984/TJEBI.V3I2.791","url":null,"abstract":"AbstractThe growing of Sharia Banking has also encouraged the development of its products. One of the sharia banking products that in high demand by the public is housing finance products known as the kongsi pemilikan rumah syari`ah (KPRS). In its implementation, there are differences in some sharia banks; some use the murabahah and other use musyarakah mutanaqishah contracts. In 2008, the National Sharia Council issued a fatwa regarding the musyarakah mutanaqisah contract in financing home ownership. However, the contract was still not implemented by all Sharia banking. In 2012, Bank Indonesia issued a circular letter to all Sharia Banks and Sharia Business Units which further legitimized the application of the musyarakah mutanaqisah contract in sharia banking. Contracts of Musyarakah mutanaqisah in KPR products will facilitate customers in financing the KPR. The advantages of the musyarakah mutanaqisah contract for customers are the more extended financing periods and relatively cheaper installments.Keywords: Mutaqisah Musyarakah contract, Home Ownership Financing.","PeriodicalId":362415,"journal":{"name":"Tasharruf: Journal Economics and Business of Islam","volume":"133 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-01-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131425812","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}
Abstract This research discusses the ethics of buying and selling in the muslim community, especially in the traditional manado market, the subject of the discussion is on buying and selling ethical values using the approach of religious social phenomena. For most of the manado muslim community, trading is a profession, something they're doing for their continuation of their life. the problem is whether the various forms of buying and selling carried out are in accordance with the guidelines of Islamic ethics, because buying and selling prohibits the existence of physical ways and demands that every actor performs ways that are self-sufficient. As far as the author's observation, some Muslims have been able to apply the ethical values of buying and selling in their lives, but there are also some of them who have not been able to actualize these values. The contributing factors are lack of awareness and understanding of religion.Keywords:: Ethics of buying and Selling
{"title":"Ethics of Buying and Selling in The Muslim Community, Case Study in The Traditional Manado Market","authors":"Riton Igisani","doi":"10.30984/tjebi.v3i2.799","DOIUrl":"https://doi.org/10.30984/tjebi.v3i2.799","url":null,"abstract":"Abstract This research discusses the ethics of buying and selling in the muslim community, especially in the traditional manado market, the subject of the discussion is on buying and selling ethical values using the approach of religious social phenomena. For most of the manado muslim community, trading is a profession, something they're doing for their continuation of their life. the problem is whether the various forms of buying and selling carried out are in accordance with the guidelines of Islamic ethics, because buying and selling prohibits the existence of physical ways and demands that every actor performs ways that are self-sufficient. As far as the author's observation, some Muslims have been able to apply the ethical values of buying and selling in their lives, but there are also some of them who have not been able to actualize these values. The contributing factors are lack of awareness and understanding of religion.Keywords:: Ethics of buying and Selling","PeriodicalId":362415,"journal":{"name":"Tasharruf: Journal Economics and Business of Islam","volume":"133 2-3 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-01-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114463190","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}
AbstractThis research examines the impact of MUI's halal label on the sales volume of Holland bakery in the city of Manado. The main problem in this study is how much influence the halal label has on sales volume. The objective achieved in this study was to find out the impact of MUI's halal label on Holland Bakery's sales volume in the city of Manado. And provide recommendations to other food companies so that they can increase sales volume. This type of research is quantitative research. Data used in the study are primary data or data directly from respondents through questionnaires that are distributed in Holland Bakery in the city of Manado. As a population and a sample of consumers are Holland Bakery in the city of Manado. The data analysis technique used in this study is the normality test, hypothesis testing using product moment correlation test and simple linear regression test. After going through quantitative procedures.This study found that the halal label has an effect on sales volume as evidenced by the product moment correlation test. It is known that the correlation value between variables X and Y is 0.562> 0. So Ho is rejected and Ha is accepted. from the Model Summary table is 0.315 or around 31.5%. This means that the effect of the independent variable (Halal Label) on the dependent variable (Sales Volume) is 31.5%. Meanwhile, the remaining 68.5% (100-31.5 = 68.5%) are explained by other variables not examined in this study. Keywords: Halal Label, Sales Volume, Holland Bakery
{"title":"Impact of Mui Halal Labels on Volume of Sales of Holland Bakery in Manado City","authors":"Mawarni Safitri Henaulu","doi":"10.30984/TJEBI.V3I2.786","DOIUrl":"https://doi.org/10.30984/TJEBI.V3I2.786","url":null,"abstract":"AbstractThis research examines the impact of MUI's halal label on the sales volume of Holland bakery in the city of Manado. The main problem in this study is how much influence the halal label has on sales volume. The objective achieved in this study was to find out the impact of MUI's halal label on Holland Bakery's sales volume in the city of Manado. And provide recommendations to other food companies so that they can increase sales volume. This type of research is quantitative research. Data used in the study are primary data or data directly from respondents through questionnaires that are distributed in Holland Bakery in the city of Manado. As a population and a sample of consumers are Holland Bakery in the city of Manado. The data analysis technique used in this study is the normality test, hypothesis testing using product moment correlation test and simple linear regression test. After going through quantitative procedures.This study found that the halal label has an effect on sales volume as evidenced by the product moment correlation test. It is known that the correlation value between variables X and Y is 0.562> 0. So Ho is rejected and Ha is accepted. from the Model Summary table is 0.315 or around 31.5%. This means that the effect of the independent variable (Halal Label) on the dependent variable (Sales Volume) is 31.5%. Meanwhile, the remaining 68.5% (100-31.5 = 68.5%) are explained by other variables not examined in this study. Keywords: Halal Label, Sales Volume, Holland Bakery","PeriodicalId":362415,"journal":{"name":"Tasharruf: Journal Economics and Business of Islam","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-01-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128932722","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}
AbstractThe purpose of this study was to determine the effect of material and non-material incentives on employee job satisfaction at PT. Bank Tabungan Negara (Persero) Tbk. Makassar Branch. The analysis method used to determine the effect of material and non-material incentives on employee job satisfaction is to use multiple linear regression analysis through the SPSS version 24.0 program. Partially and simultaneously shows that the variables of material and non-material incentives can affect employee job satisfaction. These results imply that the company is able to create added value in the provision of additional wages which can ultimately increase the job satisfaction of its employees.Keywords: Material Incentives, Non Material Incentives, Employee Satisfaction.
摘要本研究旨在探讨物质与非物质激励对PT. Bank Tabungan Negara (Persero) Tbk员工工作满意度的影响。孟加锡分支 . 确定物质激励和非物质激励对员工工作满意度影响的分析方法是通过SPSS 24.0版程序采用多元线性回归分析。部分地、同时地说明了物质激励和非物质激励变量对员工工作满意度的影响。这些结果意味着公司能够通过提供额外的工资来创造附加价值，从而最终提高员工的工作满意度。关键词:物质激励、非物质激励、员工满意度
{"title":"Effects of Material Incentives and Non Material on Employee Satisfaction Employees","authors":"Muhammad Azhar Mushlihin","doi":"10.30984/TJEBI.V3I2.797","DOIUrl":"https://doi.org/10.30984/TJEBI.V3I2.797","url":null,"abstract":"AbstractThe purpose of this study was to determine the effect of material and non-material incentives on employee job satisfaction at PT. Bank Tabungan Negara (Persero) Tbk. Makassar Branch. The analysis method used to determine the effect of material and non-material incentives on employee job satisfaction is to use multiple linear regression analysis through the SPSS version 24.0 program. Partially and simultaneously shows that the variables of material and non-material incentives can affect employee job satisfaction. These results imply that the company is able to create added value in the provision of additional wages which can ultimately increase the job satisfaction of its employees.Keywords: Material Incentives, Non Material Incentives, Employee Satisfaction.","PeriodicalId":362415,"journal":{"name":"Tasharruf: Journal Economics and Business of Islam","volume":"45 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-01-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129477098","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}
Abstract:This study discusses the effect of premiums on life insurance company profits in Sharia Unit of PT Panin Dai-Ichi Life Indonesia's. The main problem is the effect of premiums on profits of Life Insurance companies in Sharia Unit of PT Panin Dai-Ichi Life Indonesia from 2012-2016.The type of research method is quantitative. The population in this study is financial statements from PT Panin dai-Ichi Life Indonesia, while the sample is financial statements from 2012 - 2016. Data analysis techniques used in this study are normality test, hypothesis test, and T test using simple linear regression analysis.The results of this study concluded that the premium has an effect on profit where the value of T count - 4.366 4.41 F table. The significance of anova table 0.000 is smaller than 0.05, so Ho is rejected and Ha is accepted. It means that, there is a significant effect of premium on profit.Keywords: Premium, Profit, Life Insurance
摘要:本研究探讨印尼PT Panin Dai-Ichi life的Sharia分部保费对寿险公司利润的影响。主要问题是2012-2016年PT Panin Dai-Ichi Life Indonesia旗下Sharia Unit的保费对寿险公司利润的影响。研究方法的类型是定量的。本研究的人口为PT Panin dai-Ichi Life Indonesia的财务报表，样本为2012 - 2016年的财务报表。本研究使用的数据分析技术是正态性检验、假设检验和T检验，采用简单的线性回归分析。本研究得出的结论是，溢价对利润有影响的地方的价值T计数- 4.366 4.41 F表。方差分析表0.000的显著性小于0.05，因此Ho被拒绝，Ha被接受。这意味着，溢价对利润有显著的影响。关键词:保费，利润，寿险
{"title":"The Effect of Premium on Profit of Life Insurance Companies in Sharia Units of Pt Panin Dai-Ichi Life Indonesia","authors":"Ridwan Tabe","doi":"10.30984/tjebi.v3i2.789","DOIUrl":"https://doi.org/10.30984/tjebi.v3i2.789","url":null,"abstract":"Abstract:This study discusses the effect of premiums on life insurance company profits in Sharia Unit of PT Panin Dai-Ichi Life Indonesia's. The main problem is the effect of premiums on profits of Life Insurance companies in Sharia Unit of PT Panin Dai-Ichi Life Indonesia from 2012-2016.The type of research method is quantitative. The population in this study is financial statements from PT Panin dai-Ichi Life Indonesia, while the sample is financial statements from 2012 - 2016. Data analysis techniques used in this study are normality test, hypothesis test, and T test using simple linear regression analysis.The results of this study concluded that the premium has an effect on profit where the value of T count - 4.366 <from the value of T table l2.101. While the significance is 0,000 smaller than 0.05 and for the value of F count is 19,067 > 4.41 F table. The significance of anova table 0.000 is smaller than 0.05, so Ho is rejected and Ha is accepted. It means that, there is a significant effect of premium on profit.Keywords: Premium, Profit, Life Insurance","PeriodicalId":362415,"journal":{"name":"Tasharruf: Journal Economics and Business of Islam","volume":"41 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-01-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122439024","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}
AbstractThis study aims to examine and analyze the influence of income (x1), and the management of funds of the state civil apparatus (X2) on bank credit granting, a case study of the Academic Community of IAIN Manado. This research is a survey research conducted on the Academic Community of IAIN Manado. The population in this study is 111 respondents and the sample is 87 respondents. Sampling uses a random sampling technique with Solvin formula. The data analysis technique used in this study is the normality test, hypothesis testing, and T test using multiple regression analysis with SPSS V.16 application for Windows.The results of this study prove that income does not affect the granting of credit with a value of 0.857> 0.05, Fund management affects the granting of credit with a value of 0.003 <0.05 and Revenue (X1) and Fund Management (X2) simultaneously for Credit granting (Y ) with a value of 0.005 <0.05. Based on the results of the analysis it can be seen that the R square value is 0.119 or 11, 9% management of funds. This means that the influence of the fund management variable on the provision of bank credit has an influence of 11, 9%Keywords: Income, Fund Management, and Credit Granting
{"title":"Effects of Income and Fund Management of State Civil Apparatus on Bank Credit Granting (Case Study of the Academic Community of IAIN Manado)","authors":"S. Mala","doi":"10.30984/tjebi.v3i2.790","DOIUrl":"https://doi.org/10.30984/tjebi.v3i2.790","url":null,"abstract":"AbstractThis study aims to examine and analyze the influence of income (x1), and the management of funds of the state civil apparatus (X2) on bank credit granting, a case study of the Academic Community of IAIN Manado. This research is a survey research conducted on the Academic Community of IAIN Manado. The population in this study is 111 respondents and the sample is 87 respondents. Sampling uses a random sampling technique with Solvin formula. The data analysis technique used in this study is the normality test, hypothesis testing, and T test using multiple regression analysis with SPSS V.16 application for Windows.The results of this study prove that income does not affect the granting of credit with a value of 0.857> 0.05, Fund management affects the granting of credit with a value of 0.003 <0.05 and Revenue (X1) and Fund Management (X2) simultaneously for Credit granting (Y ) with a value of 0.005 <0.05. Based on the results of the analysis it can be seen that the R square value is 0.119 or 11, 9% management of funds. This means that the influence of the fund management variable on the provision of bank credit has an influence of 11, 9%Keywords: Income, Fund Management, and Credit Granting","PeriodicalId":362415,"journal":{"name":"Tasharruf: Journal Economics and Business of Islam","volume":"87 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-01-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133613637","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}
AbstractTo find out financial performance PT. PP (Persero) Tbk. Data analysis in this study uses quantitative descriptive by comparing the company's financial ratios using the Liquidity Ratio, Solvability Ratio, Activity Ratio, Solvability Ratio Based on the results of the analysis it can be concluded that the financial performance of PT. PP (Persero) Tbk. in 2014 until 2016 where the liquidity ratio felt in a liquid state because it was in the financial ratio. The solvency ratio is in an unhealthy state, because the debt to equity ratio and debt to asset ratio are below the standard financial ratio. The activity ratio is in good condition, because the receivable turn over and inventory turn over are at the financial ratio standard. The profitability ratio is in an unhealthy state, because the net profit margin and return of investment are below the standard financial ratio.Keywords: Liquidity Ratio, Solvability Ratio, Activity Ratio, Profitability Ratio.
{"title":"Analysis of Financial Performance In PT. PP (Persero) Tbk","authors":"Muhammad Fadil Abu Bakar, Youlanda Hasan","doi":"10.30984/TJEBI.V3I2.796","DOIUrl":"https://doi.org/10.30984/TJEBI.V3I2.796","url":null,"abstract":"AbstractTo find out financial performance PT. PP (Persero) Tbk. Data analysis in this study uses quantitative descriptive by comparing the company's financial ratios using the Liquidity Ratio, Solvability Ratio, Activity Ratio, Solvability Ratio Based on the results of the analysis it can be concluded that the financial performance of PT. PP (Persero) Tbk. in 2014 until 2016 where the liquidity ratio felt in a liquid state because it was in the financial ratio. The solvency ratio is in an unhealthy state, because the debt to equity ratio and debt to asset ratio are below the standard financial ratio. The activity ratio is in good condition, because the receivable turn over and inventory turn over are at the financial ratio standard. The profitability ratio is in an unhealthy state, because the net profit margin and return of investment are below the standard financial ratio.Keywords: Liquidity Ratio, Solvability Ratio, Activity Ratio, Profitability Ratio.","PeriodicalId":362415,"journal":{"name":"Tasharruf: Journal Economics and Business of Islam","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-01-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130613770","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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