10 research outputs found

    The Effects of Macroeconomic and Bank Specific Factors on Nonperforming Financing in Sharia Commercial Bank in Indonesia

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    Financing risk is often associated with the risk of default. This risk refers to the potential losses faced by the bank when financing provided to debtors is stuck. The purpose of this paper is to analyze the effect of macroeconomic and bank specific factors on nonperforming financing in sharia commercial bank in Indonesia. The macroeconomic factors included; inflation and Bank Indonesia Certificates Sharia (SBIS). The Bank specific factors included; Capital Adequacy Ratio (CAR), Return on Assets (ROA), Operations Expenses to Operations Income (BOPO), and Financing to Deposit Ratio (FDR). The period covered under this study was January 2011 to December 2017. Data was collected from Bank Indonesia website and Indonesia Banking Statistics. Contrary to other studies, the inflation and SBIS have not been found statistically significant with nonperforming financing. The results also show that NPF can be explained mainly by Bank specific factors. CAR, ROA, and FDR have a negative effect on NPF while BOPO has a positive effect on NPF

    Peran Non Performing Financing dalam Memediasi antara Equity Financing dan Debt Financing terhadap Profit Expense Ratio pada PT. Bank Syariah Mandiri

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    This study aims to analyze the effect of Equity Financing and Debt Financing on Profit Expense Ratio through Non Performing Financing as an intervening variable. This research was conducted at Bank Syariah Mandiri with observations for five years and the financial statements used monthly financial statements, the number of samples of research observations was 60 observations. This study finds that equity financing has a negative and insignificant effect on non-performing financing. Debt financing has a negative and significant effect on non-performing financing. Equity financing has a positive and significant effect on the profit expense ratio. Debt financing has a negative and insignificant effect on profit expense. Non-performing financing has a positive and significant effect on profit expense. Non-performing financing mediates the effect of equity financing on profit expense, which means that the independent variable of equity financing is able to directly affect the dependent variable of profit expense with or without the mediating variable. Non-performing financing does not mediate the effect of debt financing on profit expense, meaning that the independent variable of debt financing is able to directly influence the profit expense variable without involving the non-performing financing mediator variable

    Peran CAR Dalam Memediasi Antara FDR dan NPF Terhadap Profitabilitas

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    The purpose of this study was to determine the role of CAR in mediating between FDR and NPF on probility at islamic commercial bank in Indonesia. This research uses quantitative research obtained from quarterly quartely financial reports published form the websites of each islamic commercial bank in Indonesia for the 2016-2020 period. This study used a purposive sampling tecnique obtained 6 samples were obtained form 14 banks with an observation period of 5 years. The data analysis technique uses path analysis with SPSS 21. The result of the data analysis of this study rove that FDR has no effect on CAR, NPF has a negative significant effect on CAR, FDR has no effect on probility, NPF has a negative significant effect on probility, CAR has a positve significant effect on probility, CAR is unable to mediate the effect of FDR on probility, and CAR are  able to mediate the effect of NPF on probility

    Peran Kepuasan dalam Memediasi Antara Komunikasi dan Kepercayaan terhadap Loyalitas pada Bank Muamalat KCU Palembang

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    Penelitian ini bertujuan untuk mengetahui pengaruh Pengaruh Komunikasi dan Kepercayaan Terhadap Loyalitas Nasabah dengan Kepuasan sebagai Variabel Intervening Pada Bank Muamalat KCU Palembang. Penelitian ini menggunakan penelitian kuantitatif dengan jenis data primer melalui penyebaran kuesioner yang disebarkan ke 100 responden. Penelitian ini menggunakan teknik purposive sampling dengan kriteria yang telah ditetapkan. Teknik analisis data menggunakan Structural Equation Modeling (SEM) melalui analisis path diagram dengan alat bantu AMOS 26. Hasil penelitian ini membuktikan bahwa komunikasi berpengaruh terhadap loyalitas nasabah, kepercayaan berpengaruh terhadap loyalitas nasabah, komunikasi berpengaruh terhadap kepuasan, kepercayaan berpengaruh terhadap kepuasan, kepuasan berpengaruh terhadap loyalitas, kepuasan mampu memediasi pengaruh komunikasi terhadap loyalitas nasabah, dan kepuasan mampu memediasi pengaruh kepercayaan terhadap loyalitas nasabah

    Kemampuan Pemilihan Saham dan Penetapan Waktu Pada Manajer investasi Reksa Dana Saham di Indonesia

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    Selectivity and Market Timing Ability of Mutual Fund Investment Manajer in IndonesiaThere are two aspects to examining whether mutual fund managers perform well and enable high return from mutual funds; these are selectivity and market timing ability. The purpose of this paper is to examine selectivity and market timing ability of Indonesia Mutual Funds from January 2009 to December 2016 using monthly returns. Treynor & Mazuy and Henriksson & Merton models applied to a sample size of 33 mutual funds. Both models show that the investment managers of mutual funds in Indonesia have no selectivity ability. The result also found that 11 mutual funds have positive statiscally significant market timing coefficient using Treynor & Mazuy models and 10 mutual funds  have positive statiscally significant market timing coefficient using Henriksson & Merton Models.DOI: 10.15408/ess.v8i1.655

    THE ADMIRATION OF MUSLIM TOURISTS IN PALEMBANG: HALAL TOUR AND SOCIAL MEDIA IN JAPAN

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    Penelitian mengenai halal tour dan Social Media telah memiliki banyak ragam dan jenis dengan berbagai objek penelitian yang juga beragam, berdasarkan hasil penelitian terdahulu, hasil penelitian empiris yang ada tidak selalu memiliki kesamaan dan mengindikasi adanya research gap dari variabel yang mempengaruhi keputusan berkunjung.Penelitian mengenai halal tour dan Social Media telah memiliki banyak ragam dan jenis dengan berbagai objek penelitian yang juga beragam, berdasarkan hasil penelitian terdahulu, hasil penelitian empiris yang ada tidak selalu memiliki kesamaan dan mengindikasi adanya research gap dari variabel yang mempengaruhi keputusan berkunjung

    Kemampuan Pemilihan Saham dan Penetapan Waktu Pada Manajer investasi Reksa Dana Saham di Indonesia

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    Terdapat dua aspek yang dapat dijadikan ukuran keberhasilan kinerja manajer investasi yaitu kemampuan pemilihan saham (selectivity ability) dan kemampuan penetapan waktu (market timing ability). Penelitian ini bertujuan untuk menganalisa kinerja manajer investasi yang meliputi kemampuan pemilihan saham dan penetapan waktu pada reksa dana saham di Indonesia periode Januari 2009 s.d. Desember 2016 dengan menggunakan data return bulanan. Model Treynor& Mazuy dan Henriksson & Merton digunakan pada sampel sebanyak 33 reksa dana. Penelitian ini mendapatkan hasil bahwa secara keseluruhan dari reksa dana yang dijadikan sampel penelitan tidak ada satupun reksa dana yang memiliki kemampuan selectivity baik dengan metode Treynor & Mazuy maupun Henriksson & Merton. Reksa dana yang manajer investasinya memiliki market timing ability sebanyak 11 reksa dana yang menunjukkan nilai koefisien market timing positif dan signifikan berdasarkan model Treynor & Mazuy dan terdapat 10 reksa dana yang menunjukkan nilai koefisien market timing positif dan signifikan berdasarkan model Henriksson & Merton

    Analisis Religius Stimuli Dan Profit Sharing Minoritas Ethnis China Non Muslim Menjadi Nasabah Perbankan Syari’ah Di Kota Palembang

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    This research was conducted in theethnis china non muslim customers of Islamic Banks in Palembang city. The purposes of this research are to see how big the influence Religius Stimuli and Profit Sharing towards ethnis china customer’s non muslim Islamic banks. The population of this research is all the non muslim customers who financing. This research used 120 respondents and using Purposive Sampling techniques. Problem solving performed using Structural Equation Model analysis techniques or SEM. From the results of research, the writer obtained the conclution that religius stimuly and profit sharing influenced  towards ethnis china Non Muslim Customer

    Peran Financial Distress Sebagai Variabel Mediasi antara Good Corporate Governance dan Kinerja Keuangan, Terhadap Manajemen Laba Pada Bank Umum Syariah Periode 2013-2019

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    This study aims to determine the effect of good corporate governance and financial performance on earnings management with financial distress as an intervening variable in Islamic Commercial Banks in Indonesia. This type of research is descriptive research with quantitative approach. The results showed that good corporate governance has no effect on earnings management. Financial performance and financial distress have a negative and significant effect on earnings management. Good corporate governance has a negative effect on financial distress. Financial performance has no effect on financial distress. Then, based on the result of path analysis through the causal step method, financial distress mediates the effect of good corporate governance on earnings management, while financial distress does not mediate the effect of financial performance on earnings management
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