Analisis Dana Pihak Ketiga, Non Performing Financing, dan Financing To Deposit Ratio Dalam Pembiayaan Murabahah Pada Bank Mandiri Syariah

Murabahah merupakan salah satu prinsip yang dijalankan bank syariah, yaitu berupa akad jual beli barang dengan menyatakan harga perolehan dan keuntungan (margin) yang disepakati oleh penjual dan pembeli. Penelitian ini bertujuan untuk menganalisis Dana Pihak Ketiga, Non Performing Financing, dan Financing To Deposit Ratio terhadap pembiayaan Murabahah pada Bank Mandiri Syariah. Penelitian ini merupakan penelitian deskriptif kualitatif. Jenis data yang digunakan dalam penelitian adalah berupa data sekunder. Data skunder bersumber dari laporan resmi data perbankan yang dipublikasikan oleh website resmi Bank Mandiri Syariah. Desain sampling penelitian adalah purposive sampling, dimana data penelitian dikumpulkan dari laporan keuangan triwulan Bank Mandiri Syariah. Kriteria yang menjadi sampel dalam penelitian ini adalah Dana Pihak Ketiga, Non Performing Financing,dan Financing To Deposit Ratio dari laporan keuangan triwulan Bank Mandiri Syariah periode Maret 2013-Desember 2017. Metode analisis digunakan regresi linear, uji asumsi klasik, uji t, uji F, dan uji determinasi. Hasil penelitian menunjukan bahwa Dana Pihak Ketiga, Non Performing Financing, dan Financing To Deposit Ratio secara simultan mempunyai berpengaruh positif terhadap pembiayaan Murabahah. Hal yang sama terjadi pada Dana Pihak Ketiga, yang juga memiliki pengaruh positif terhadap pembiayaan Murabahah. Hal ini menunjukkan bahwa dalam menilai pembiayaan Murabahah, bank tidak hanya melihat dari satu aspek penilaian saja melainkan lebih baik dilakukan penilaian dari berbagai aspek secara bersama sama

Using Innovative Marketing Strategies in The Development of The Market of Information and Communication Services

In this monograph theoretical and methodological foundations of developing innovative marketing strategies in promoting information and communication services are discussed. In this accordance, recent market trends on implementing innovative approaches in the marketing of information and communication services are analyzed. Furthermore, the current research has studied the leading global experience of developed economies on the application of innovative marketing strategies, as well as the formation of the national market of information and communication services, and potential opportunities of implementing innovative marketing strategies in improving information and communication services market of the Republic of Uzbekistan. The study provided conceptual analysis of the national information and communication services market, as well as proposed innovative marketing approaches in accordance with the priority socio-economic development directions of the country. Subsequently, potential ways of increasing the efficiency of innovative marketing strategies in the market of information and communication services, as well as the provision of these findings in the development of methodological approaches to improve the marketing activities of the national companies providing electronic services are identified. The findings of the research discussed in the monograph and recommendations can be widely applied in extending the academic knowledge of innovative marketing applications by researchers, graduate students of the higher educational institutions, and practitioners who are interested in this field

Perceived quality of mobile cell phones: an initiative to develop local product

The objective of the study was to develop mobile cell phones characteristics based on consumer perceived quality. For this purpose, questionnaire was used as a research instrument. Questionnaires were distributed to 390 mobile cell phones consumers and all were valid to be proceeded to data analyses. Quality function deployment was used to analyse the data. Research findings showed that product characteristics to be developed in order to be success in competition in descending order of importance were the application, the capability of processor, hand anthropometry, batteries, image density, shape, keypad size, navigation buttons, internal memory, data packet technology, MP3 facilities, external memory, screen size, structures material, antivirus, warranty, data exchange device, a gap, and the page on short message service. Other factors should be taken into consideration were increasing trading partners (retailing or agent) and outlets, improving labours, and post purchase warranty

Electronic passport system acceptance: an empirical study from Indonesia

The objective of the study was to evaluate the website of passport submission provided by Directorate General of Immigration (DGI), Ministry of Law and Human Right of Indonesia. For this purpose, a questionnaire was deployed to gather data required. The questionnaire was developed in closed form to measure four variables i.e., information quality, system quality, service quality and perceived easy of use. Structural equation modelling was deployed to analyse the data. Lisrel software was used in this regard. The result showed that information quality, system quality and service quality influenced perceived easy of use of online passport website. Improvement in service quality will improve perceived easy of use. In contrary, in order to improve perceived easy of use, DGI must reformulate information provided on the website. Similar evidence with system quality of website, DGI must evaluate the quality of the website in order to improve perceived easy of use

Development Strategy Of Tourism Object Of Desa Menari In Semarang Regency

Desa Menari is a tourist attraction in Semarang regency which is relatively new. Growth in the number of tourists is still low, so it has great potential to be developed. This study aims to determine (1)Internal factors that support and hamper the development of tourism attractions Desa Menari. (2)External factors that support and hamper the development of tourism object of Desa Menari. (3)Strategy of tourism development of Desa Menari. Technique of research data analysis using SWOT. Method of data retrieval is done by interview, observation and documentation. Accidental sampling is done to tourists who happened to visit and information from the management. The results showed that: The analysis of internal and external factors from the potential of Desa Menari is viewed from (1)Strength (natural beauty, attractive tourism village potential, natural resources sustainability, unique cultural attractions, cool and beautiful natural environment, creative industries of local communities, facilities and infrastructure, community attitudes, cheap tourist prices). The most important strength factor is the condition of the natural environment is cool and beautiful, with the weight of 0.064. (2)Weaknesses (tourism support infrastructure, tourist information center, community skills in communicating with tourists, human resources ability as object manager, fund support for tourism development, environmental cleanliness, human resource use as tour guide, tourism environment arrangement). The main disadvantages are adequate tourism support infrastructure, environmental hygiene and tourist information center that get the same value weight that is 0,058. (3)Opportunities (tourist visits around and general, located adjacent to other tourist objects, government attention, the concept of development of tourist villages, agricultural land as a tourist attraction, the high potential and the interest of tourists, the development of technology and information, the establishment of government cooperation, investors, communities and farmers, Support of tourism actors, local government-imposed regional autonomy, cultural values of local communities). The most important factor of opportunity is the cultural value of the community by always maintaining and preserving the traditional dance culture of the local community with a weighted value of 0.058. (4)Threats (tourism competition around, changing of mindset and behavior of society, awareness of environmental cleanliness, lack of conducive security, population culture exposed to globalization culture, immigrant population, pollution of environment.) The biggest threat factor is competition with tourism around with weight of value 0.062. Priority strategy based on SWOT is the development of tourism in the field of culture, the arrangement of the area to build a network with other attractions around the area, in cooperation with travel agents, and create a website about Desa Menari tourism