Pub Date : 2021-06-29DOI: 10.14421/ekbis.2021.5.1.1279
Firna Hayyu Nindya Maritsa, Agus Widarjono
Islamic banking in Indonesia is very vulnerable to volatility in their business processes due to its small market share. Compared to conventional banks, seen from their financial performance, Islamic banks have a worse performance because of lower profit (ROA). This study examines the stability of Islamic banking in Indonesia. Stability is measured using the Z Score. The data in this study are aggregate data for Islamic commercial banks. The data used are monthly data from January 2015 to December 2019. This study uses the ARDL (Autoregressive Distributed Lag) method. The results of this study are that all independent variables OER, NPF, inflation, IPI, exchange rates have an effect on the stability of Islamic banking, except FDR. Lower efficiency and problematic financing increases the stability of Islamic banking. Meanwhile, macroeconomic factors, inflation and exchange rates, have a negative effect on the stability of Islamic banking. The economic downturn due to inflation and rupiah depreciation will increase the instability of Islamic banks.
{"title":"Indonesian Islamic Banks and Financial Stability: An Empirical Analysis","authors":"Firna Hayyu Nindya Maritsa, Agus Widarjono","doi":"10.14421/ekbis.2021.5.1.1279","DOIUrl":"https://doi.org/10.14421/ekbis.2021.5.1.1279","url":null,"abstract":"Islamic banking in Indonesia is very vulnerable to volatility in their business processes due to its small market share. Compared to conventional banks, seen from their financial performance, Islamic banks have a worse performance because of lower profit (ROA). This study examines the stability of Islamic banking in Indonesia. Stability is measured using the Z Score. The data in this study are aggregate data for Islamic commercial banks. The data used are monthly data from January 2015 to December 2019. This study uses the ARDL (Autoregressive Distributed Lag) method. The results of this study are that all independent variables OER, NPF, inflation, IPI, exchange rates have an effect on the stability of Islamic banking, except FDR. Lower efficiency and problematic financing increases the stability of Islamic banking. Meanwhile, macroeconomic factors, inflation and exchange rates, have a negative effect on the stability of Islamic banking. The economic downturn due to inflation and rupiah depreciation will increase the instability of Islamic banks.","PeriodicalId":375939,"journal":{"name":"EkBis: Jurnal Ekonomi dan Bisnis","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2021-06-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125327537","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 : 2021-06-10DOI: 10.14421/ekbis.2021.5.1.1271
Dunyati Ilmiah, M. G. Wonoseto
The consumer confidence index is an economic indicator designed to measure consumer confidence or doubt about the economic conditions of a country. The consumer confidence index can have an impact on the level of consumer interest in shopping so that it affects business activities, industry, and has a direct impact on the rate of econom ic growth. The condition of the consumer confidence index continues to improve, even though it is still during the Covid-19 pandemic and is still in the pessimistic zone, namely the index is below 100, the August 2020 consumer confidence index is 86.9 that is higher than in July 2020 of 86.2. This study uses trend analysis to estimate or forecast the future, and data obtained from the Bank Indonesia Consumer Survey. The results of this study show that the improvement in consumer confidence is drive by consumer perceptions of current economic conditions, namely increased income, job availability, and purchasing of goods.
{"title":"Consumer Confidence Index in Coronavirus Disease (Covid-19) Era","authors":"Dunyati Ilmiah, M. G. Wonoseto","doi":"10.14421/ekbis.2021.5.1.1271","DOIUrl":"https://doi.org/10.14421/ekbis.2021.5.1.1271","url":null,"abstract":"The consumer confidence index is an economic indicator designed to measure consumer confidence or doubt about the economic conditions of a country. The consumer confidence index can have an impact on the level of consumer interest in shopping so that it affects business activities, industry, and has a direct impact on the rate of econom ic growth. The condition of the consumer confidence index continues to improve, even though it is still during the Covid-19 pandemic and is still in the pessimistic zone, namely the index is below 100, the August 2020 consumer confidence index is 86.9 that is higher than in July 2020 of 86.2. This study uses trend analysis to estimate or forecast the future, and data obtained from the Bank Indonesia Consumer Survey. The results of this study show that the improvement in consumer confidence is drive by consumer perceptions of current economic conditions, namely increased income, job availability, and purchasing of goods.","PeriodicalId":375939,"journal":{"name":"EkBis: Jurnal Ekonomi dan Bisnis","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2021-06-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133846398","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 : 2021-06-10DOI: 10.14421/ekbis.2021.5.1.1309
Fitri Zaelina, Dwi Nastiti
Islamic banking has an important role in the economy, especially in moving the real sector. Islamic banking provides funding to the public in the form of financing. The financing provided cannot be separated from various risks that can threaten the health of the bank, one of which is financing risk. For that, the purpose of this study is to analyze the effect of financing on financing risk in Islamic banks for the period 2015 to 2020. The method used in this study is quantitative with multiple linear regression analysis techniques. This study uses time-series data and the variables in this study are mudharabah, musyarakah, murabahah, ijarah financing, and total assets as independent variables and NPF as a dependent variable. The results of the study concluded that total assets had a negative and significant effect on NPF and murabahah financing had a positive and significant effect on NPF. Meanwhile, mudharabah, musyarakah, and ijarah financing has no significant effect on NPF.
{"title":"The Effect of Financing on Credit Risk: Empirically on Indonesian Islamic Banking","authors":"Fitri Zaelina, Dwi Nastiti","doi":"10.14421/ekbis.2021.5.1.1309","DOIUrl":"https://doi.org/10.14421/ekbis.2021.5.1.1309","url":null,"abstract":"Islamic banking has an important role in the economy, especially in moving the real sector. Islamic banking provides funding to the public in the form of financing. The financing provided cannot be separated from various risks that can threaten the health of the bank, one of which is financing risk. For that, the purpose of this study is to analyze the effect of financing on financing risk in Islamic banks for the period 2015 to 2020. The method used in this study is quantitative with multiple linear regression analysis techniques. This study uses time-series data and the variables in this study are mudharabah, musyarakah, murabahah, ijarah financing, and total assets as independent variables and NPF as a dependent variable. The results of the study concluded that total assets had a negative and significant effect on NPF and murabahah financing had a positive and significant effect on NPF. Meanwhile, mudharabah, musyarakah, and ijarah financing has no significant effect on NPF.","PeriodicalId":375939,"journal":{"name":"EkBis: Jurnal Ekonomi dan Bisnis","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2021-06-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133072794","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 : 2020-12-28DOI: 10.14421/EKBIS.2020.4.2.1272
Mahmudatus Sa’diyah, Asep Gugun Gumilar, E. Susilo
The purpose of this study was to examine the sharia compliance of the Hybrid Contract of the Syriah Microfinance Institution (LKMS) in Jepara Regency. This type of research is a Field Research, using a content analysis approach; to interpret data not as a series of physical events, but as symbolic symptoms to reveal the meaning contained in a text, and the understanding of the message presented. The research object selected was BMT in Jepara Regency which applies contract and unique hybrid products, namely BMT Mitra Muamalah (Mitramu) which has the product "Gold Pawn" and BMT Harapan Bersama (HARBER) which has a Musyarakah Mutanaqishah (MMq) product. The results showed that the Musyarakah Mutanaqishah (MMq) financing agreement at BMT Harapan Bersama (HARBER) Jepara was in accordance with the DSN-MUI fatwa NO: 73 / DSN-MUI / XI / 2008. Rahn's contract which is run by BMT Mitra Muamalah Jepara is in accordance with the DSN-MUI Fatwa Number: 25 / DSN-MUI / III / 2002, and Fatwa DSN-MUI Number: 26 / DSN-MUI / III / 2002.. Weak internal and external supervision at Cooperative entities, the implementation of hybrid contracts in the field is prone to deviations and falling to "Riba".
本研究的目的是考察叙利亚小额信贷机构(LKMS)在耶帕拉摄政区的混合合同是否符合伊斯兰教法。这种类型的研究是一种实地研究，采用内容分析的方法;不把数据解释为一系列的物理事件，而是作为象征性的症状来揭示文本中包含的意义，以及对所呈现信息的理解。选择的研究对象是Jepara Regency的BMT，该公司采用合同和独特的混合产品，即BMT Mitra Muamalah (Mitramu)拥有产品“Gold Pawn”，BMT Harapan Bersama (HARBER)拥有产品“Musyarakah Mutanaqishah”(MMq)。Rahn的合同由BMT Mitra Muamalah Jepara运营，符合DSN-MUI法特瓦号:25 / DSN-MUI / III / 2002和法特瓦DSN-MUI号:26 / DSN-MUI / III / 2002。在合作主体内部和外部监督薄弱的情况下，混合合同在实地的执行容易出现偏差，陷入“里巴”。
{"title":"Sharia Hybrid Contract Compliance of Islamic Microfinance Institutions in Jepara Regency","authors":"Mahmudatus Sa’diyah, Asep Gugun Gumilar, E. Susilo","doi":"10.14421/EKBIS.2020.4.2.1272","DOIUrl":"https://doi.org/10.14421/EKBIS.2020.4.2.1272","url":null,"abstract":"The purpose of this study was to examine the sharia compliance of the Hybrid Contract of the Syriah Microfinance Institution (LKMS) in Jepara Regency. This type of research is a Field Research, using a content analysis approach; to interpret data not as a series of physical events, but as symbolic symptoms to reveal the meaning contained in a text, and the understanding of the message presented. The research object selected was BMT in Jepara Regency which applies contract and unique hybrid products, namely BMT Mitra Muamalah (Mitramu) which has the product \"Gold Pawn\" and BMT Harapan Bersama (HARBER) which has a Musyarakah Mutanaqishah (MMq) product. The results showed that the Musyarakah Mutanaqishah (MMq) financing agreement at BMT Harapan Bersama (HARBER) Jepara was in accordance with the DSN-MUI fatwa NO: 73 / DSN-MUI / XI / 2008. Rahn's contract which is run by BMT Mitra Muamalah Jepara is in accordance with the DSN-MUI Fatwa Number: 25 / DSN-MUI / III / 2002, and Fatwa DSN-MUI Number: 26 / DSN-MUI / III / 2002.. Weak internal and external supervision at Cooperative entities, the implementation of hybrid contracts in the field is prone to deviations and falling to \"Riba\".","PeriodicalId":375939,"journal":{"name":"EkBis: Jurnal Ekonomi dan Bisnis","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2020-12-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"116468202","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 : 2020-12-28DOI: 10.14421/EKBIS.2020.4.2.1275
S. Sugiarto, Setyo Mahanani
This research aims to determine the effect of profitability, leverage, liquidity and activity on financial distress. The research period is 2018. The approach in this study is quantitative research with all manufacturing companies listed on the IDX in 2018 as the population, which were then selected by purposive sampling method to obtain samples. This research uses logistic regression analysis method. The results of the study indicate that profitability has a negative effect on financial distress as indicated by the regression coefficient of -0.40732. and the prob value. 0.0097 is less than 0.05. Leverage has a positif effect on financial distress. This refers to the regression coefficient of 0.090522 and the prob value. 0.0353<0.05. Liquidity has no effect on financial distress conditions. This refers to the regression coefficient of 0.003604 and the resulting significance value is greater than the required level of significance, namely 0.503> 0.05. Activity has negative effect on financial distress. This refers to the regression coefficient of -0.09906 and the resulting significance value is less than required, namely 0.0047<0.05.
{"title":"Effect of Profitability, Leverage, Liquidity and Activity Against Financial Distress Conditions","authors":"S. Sugiarto, Setyo Mahanani","doi":"10.14421/EKBIS.2020.4.2.1275","DOIUrl":"https://doi.org/10.14421/EKBIS.2020.4.2.1275","url":null,"abstract":"This research aims to determine the effect of profitability, leverage, liquidity and activity on financial distress. The research period is 2018. The approach in this study is quantitative research with all manufacturing companies listed on the IDX in 2018 as the population, which were then selected by purposive sampling method to obtain samples. This research uses logistic regression analysis method. The results of the study indicate that profitability has a negative effect on financial distress as indicated by the regression coefficient of -0.40732. and the prob value. 0.0097 is less than 0.05. Leverage has a positif effect on financial distress. This refers to the regression coefficient of 0.090522 and the prob value. 0.0353<0.05. Liquidity has no effect on financial distress conditions. This refers to the regression coefficient of 0.003604 and the resulting significance value is greater than the required level of significance, namely 0.503> 0.05. Activity has negative effect on financial distress. This refers to the regression coefficient of -0.09906 and the resulting significance value is less than required, namely 0.0047<0.05.","PeriodicalId":375939,"journal":{"name":"EkBis: Jurnal Ekonomi dan Bisnis","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2020-12-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125141098","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 : 2020-12-28DOI: 10.14421/EKBIS.2020.4.2.1273
Nasrulloh Nasrulloh, Badrul Mutaqqin
Education insurance is an insurance product that guarantees the cost of education for children up to the higher education level. The insured party or the customer is required to pay an amount when the contract is completed according to the agreement of both parties. In practice, education insurance is a combination of the benefits of education funds as well as life insurance. But in fact, insurance participants complained about the procedure for paying education insurance claims. The difficulty of claiming requirements and unclear claims submission processes. This research uses a qualitative research method with a descriptive approach through field research, observation or direct observation, interviews at Surabaya Takaful Keluarga Insurance. The findings show that participants can claim education funds from full-time products according to the time written in the policy book. The Takaful Keluarga Insurance Company provides concessions for policyholders to submit claims one year before the stipulated time as long as there are sufficient savings funds. The implementation of full-blown products in terms of the claim procedure and benefits obtained is following the MUI DSN Fatwa No. 53/DSN-MUI/III/2006 and No. 21/DSN-MUI/ X/2001
{"title":"The Implementation of Education Insurance: A Case Study on Takaful Keluarga Insurance","authors":"Nasrulloh Nasrulloh, Badrul Mutaqqin","doi":"10.14421/EKBIS.2020.4.2.1273","DOIUrl":"https://doi.org/10.14421/EKBIS.2020.4.2.1273","url":null,"abstract":"Education insurance is an insurance product that guarantees the cost of education for children up to the higher education level. The insured party or the customer is required to pay an amount when the contract is completed according to the agreement of both parties. In practice, education insurance is a combination of the benefits of education funds as well as life insurance. But in fact, insurance participants complained about the procedure for paying education insurance claims. The difficulty of claiming requirements and unclear claims submission processes. This research uses a qualitative research method with a descriptive approach through field research, observation or direct observation, interviews at Surabaya Takaful Keluarga Insurance. The findings show that participants can claim education funds from full-time products according to the time written in the policy book. The Takaful Keluarga Insurance Company provides concessions for policyholders to submit claims one year before the stipulated time as long as there are sufficient savings funds. The implementation of full-blown products in terms of the claim procedure and benefits obtained is following the MUI DSN Fatwa No. 53/DSN-MUI/III/2006 and No. 21/DSN-MUI/ X/2001","PeriodicalId":375939,"journal":{"name":"EkBis: Jurnal Ekonomi dan Bisnis","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2020-12-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132158032","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 : 2020-07-20DOI: 10.14421/ekbis.2019.3.1.1180
Danang Satrio, S. Kunto
A large number of potential investors begin to consider the idea of responsible investment social responsibility. However, the debate over whether the value should be added as an environmental consideration for the stock selection process is still being debated. This study tries to improve the efficiency, profitability and leverage hypothesis of firm value. The sample used was 81 manufacturing companies listed on the Indonesia Stock Exchange and sent in 2014-2018 and using the rupiah. The data analysis tool used in this study is multiple linear regression estimated with OLS (Ordinary Least Square). The collected data is then processed and tested using SPSS 22 software. Based on the results of research analyzing the effect of eco-efficiency on firm value with profitability and leverage on the manufacturing industry listed on the Indonesia Stock Exchange during the period 2012 to 2016, it can be concluded that there is a significant positive effect between eco-efficiency on firm value.
大量潜在投资者开始考虑责任投资的社会责任理念。然而，在选股过程中，是否应将这一价值作为环境考虑因素纳入讨论之中。本研究试图完善企业价值的效率、盈利能力和杠杆假设。使用的样本是在印度尼西亚证券交易所上市的81家制造业公司，并于2014-2018年发送，使用印尼盾。本研究使用的数据分析工具是用OLS (Ordinary Least Square)估计的多元线性回归。然后使用SPSS 22软件对收集到的数据进行处理和检验。基于对2012 - 2016年印尼证券交易所上市的制造业企业盈利能力和杠杆率对企业价值影响的研究结果，可以得出生态效率对企业价值存在显著的正向影响。
{"title":"Relationship Between Eco-Efficiency on Firm Value Moderated with Profitability and Leverage","authors":"Danang Satrio, S. Kunto","doi":"10.14421/ekbis.2019.3.1.1180","DOIUrl":"https://doi.org/10.14421/ekbis.2019.3.1.1180","url":null,"abstract":"A large number of potential investors begin to consider the idea of responsible investment social responsibility. However, the debate over whether the value should be added as an environmental consideration for the stock selection process is still being debated. This study tries to improve the efficiency, profitability and leverage hypothesis of firm value. The sample used was 81 manufacturing companies listed on the Indonesia Stock Exchange and sent in 2014-2018 and using the rupiah. The data analysis tool used in this study is multiple linear regression estimated with OLS (Ordinary Least Square). The collected data is then processed and tested using SPSS 22 software. Based on the results of research analyzing the effect of eco-efficiency on firm value with profitability and leverage on the manufacturing industry listed on the Indonesia Stock Exchange during the period 2012 to 2016, it can be concluded that there is a significant positive effect between eco-efficiency on firm value.","PeriodicalId":375939,"journal":{"name":"EkBis: Jurnal Ekonomi dan Bisnis","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2020-07-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130685085","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 : 2019-07-04DOI: 10.14421/EKBIS.2018.2.1.1099
Sofyan Hadinata
ABSTRAKPenelitian ini bertujuan untuk menguji pengaruh islamic social reporting index (ISR index) terhadap kinerja keuangan yang diproksikan dengan profit sharing ratio pada perbankan syariah di Indonesia. Teori legitimasi dijadikan dasar untuk menjawab hipotesis. Dengan menggunakan sampel tujuh bank diperoleh 42 data observasi selama tahun 2010-2016. Dari analisis regresi diperoleh hasil bahwa islamic social reporting index memiliki pengaruh negatif terhadap profit sharing ratio.
本研究旨在测试伊斯兰社会报告指数(ISR index)对印尼伊斯兰银行利润分享ratio表现的影响。合法性理论成为解决假设的基础。通过使用7个银行样本，在2010年至2016年期间获得了42个观察数据。伊斯兰社会报告指数(islamic social report index)对利润共享ratio的回归分析产生了负面影响。
{"title":"ISLAMIC SOCIAL REPORTING INDEX DAN KINERJA KEUANGAN PADA PERBANKAN SYARIAH DI INDONESIA","authors":"Sofyan Hadinata","doi":"10.14421/EKBIS.2018.2.1.1099","DOIUrl":"https://doi.org/10.14421/EKBIS.2018.2.1.1099","url":null,"abstract":"ABSTRAKPenelitian ini bertujuan untuk menguji pengaruh islamic social reporting index (ISR index) terhadap kinerja keuangan yang diproksikan dengan profit sharing ratio pada perbankan syariah di Indonesia. Teori legitimasi dijadikan dasar untuk menjawab hipotesis. Dengan menggunakan sampel tujuh bank diperoleh 42 data observasi selama tahun 2010-2016. Dari analisis regresi diperoleh hasil bahwa islamic social reporting index memiliki pengaruh negatif terhadap profit sharing ratio. ","PeriodicalId":375939,"journal":{"name":"EkBis: Jurnal Ekonomi dan Bisnis","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2019-07-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"120907782","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 : 2019-07-04DOI: 10.14421/ekbis.2018.2.1.1083
Muhamad Subhan
This research is a field research conducted at the Al-Amanah BMT in Jambi City. Data collection techniques in this study use methods of observation, interviews, and documentation. The formulation of the problem in this study is how the marketing strategy carried out by BMT Al-Amanah in increasing capital and financing distribution, the constraints faced and efforts to overcome these obstacles. This study produces three conclusions, namely: (1) the marketing strategy carried out by BMT Al-Amanah Jambi City in increasing capital and financing distribution is by determining the market segmentation of products and services, conducting marketing activities in accordance with the target market, as well as positioning and mixing concepts. marketing; (2) the constraints faced include the lack of human resources who are competent in their fields, the source of funds as limited capital, and the existence of tight competition with other financial institutions. (3) efforts made to overcome obstacles are by improving the quality of human resources, continuing to strive to be able to increase the number of customers, and increase capital and financing distribution through promotion and introducing the BMT financial system to the wider community.
{"title":"STRATEGI PEMASARAN SYARI’AH PADA BMT AL-AMANAH DALAM MENINGKATKAN MODAL DAN PENYALURAN PEMBIAYAAN","authors":"Muhamad Subhan","doi":"10.14421/ekbis.2018.2.1.1083","DOIUrl":"https://doi.org/10.14421/ekbis.2018.2.1.1083","url":null,"abstract":"This research is a field research conducted at the Al-Amanah BMT in Jambi City. Data collection techniques in this study use methods of observation, interviews, and documentation. The formulation of the problem in this study is how the marketing strategy carried out by BMT Al-Amanah in increasing capital and financing distribution, the constraints faced and efforts to overcome these obstacles. This study produces three conclusions, namely: (1) the marketing strategy carried out by BMT Al-Amanah Jambi City in increasing capital and financing distribution is by determining the market segmentation of products and services, conducting marketing activities in accordance with the target market, as well as positioning and mixing concepts. marketing; (2) the constraints faced include the lack of human resources who are competent in their fields, the source of funds as limited capital, and the existence of tight competition with other financial institutions. (3) efforts made to overcome obstacles are by improving the quality of human resources, continuing to strive to be able to increase the number of customers, and increase capital and financing distribution through promotion and introducing the BMT financial system to the wider community.","PeriodicalId":375939,"journal":{"name":"EkBis: Jurnal Ekonomi dan Bisnis","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2019-07-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121064059","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 : 2019-04-04DOI: 10.14421/EKBIS.2018.2.1.1098
Prasojo Prasojo
AbstractThis study aims to examine the capital structure for the profitability of companies into the category of the Indonesian Syariah Stock Index (ISSI). This study uses a sample of 149 companies from 2011 to 2016 which are consistently included in the ISSI list. Return on Assets (ROA), Return on Equity (ROE) as the dependent variable. While Debt to Equity Ratio (DER), Short Term Debt (STD) and Long Term Debt (LTD). Statistical testing using panel data regression with the ramdom fixed effect method. The results of the study are the capital structure that is processed with DAR variable has a significant negative effect on the profitability of the company by measuring ROA and ROE, while the capital structure proxied by STD has a significant positive effect on the profitability of the company by measuring ROA and ROE AbstrakPenelitian ini bertujuan untuk mengkaji hubungan struktur modal terhadap profitabilitas perusahaan yang termasuk dalam kategori Indek Saham Syariah Indonesia (ISSI). Penelitian ini menggunakan sampel sebanyak 149 perusahaan dari tahun 2011 sampai 2016 yang secara konsisten masuk dalam daftar ISSI. Return on Assets (ROA), Return on Equity (ROE) sebagai variabel dependen. Sedangakan Debt to Equity Ratio (DER), Short Term Debt (STD) dan Long Term Debt (LTD). Pengujian statistik dengan menggunakan regresi data panel dengan metode ramdom fixed effect. Hasil dari penelitian adalah struktur modal yang di proksikan dengan variabel DAR berpengaruh negatif signifikan terhadap profitabilitas perusahaan dengan pengukuran ROA dan ROE, sedangkan struktur modal yang diproksikan dengan STD berpengaruh positif signifikan terhadap profitabilitas perusahaan dengan pengukuran ROA dan ROE
摘要本研究旨在探讨印尼伊斯兰股票指数(ISSI)分类公司的资本结构对盈利能力的影响。本研究使用了2011年至2016年期间一直被列入ISSI名单的149家公司的样本。资产收益率(ROA)，净资产收益率(ROE)作为因变量。债务权益比(DER)、短期债务(STD)和长期债务(LTD)。采用随机固定效应法的面板数据回归进行统计检验。研究结果表明，通过测量ROA和ROE，经DAR变量处理的资本结构对公司的盈利能力具有显著的负向影响，而通过测量ROA和ROE，以STD为代理的资本结构对公司的盈利能力具有显著的正向影响。Penelitian ini menggunakan样本sebanyak 149 perusahaan dari tahun 2011 sampai 2016 yang secara一致性masuk dalam数据ISSI。资产收益率(ROA)、净资产收益率(ROE)是可变的。Sedangakan债务与权益比率(DER)，短期债务(STD)和长期债务(LTD)。企鹅统计登根回归数据面板登根法随机固定效应。Hasil dari penelitian adalah struktur modal yang diproksikan dengan变量DAR berpengaru负显著性，其盈利能力为perushaan dengan penguin ROA和ROE, sedangkan struktur modal yang diproksian dengan STD berpengaru正显著性，其盈利能力为perushaan dengan penguin ROA和ROE
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