This research aims to examine the influence of sharia banking characteristics (CAR, FDR, BOPO and NPF) and macroeconomics factors (inflation and GDP) on sharia banking profitability (return on asset/ROA). The data was obtained from the Financial Services Authority (OJK) publication report by purposive sampling technique in 12 sharia commercial banks. Then, data were analysed by multiple linear analysis. The results indicate that variables of BOPO, NPF and GDP significantly influence the ROA, but FDR, CAR and inflation have no significant influence on ROA. The prediction ability of 6 independent variables to the dependent variable is 65,6%, while 44,4% is influenced by other variables not mentioned in this research.
This study tested the effect of service quality on sharia bank customer loyalty in Ponorogo mediated by customer trust and satisfaction. During the covid-19 pandemic, many customers withdraw their money in sharia banks and conventional banks. The novelty of this research in the form of trust and satisfaction that is used as a mediator variable between the quality of service and customer loyalty, similar research has never been done. This research is quantitative with structural equation modelling method, with a total of 60 samples consisting of teachers at Pondok Modern Darussalam Gontor campus 2 Madusari Ponorogo. The findings in this study shows that the service quality has a positive effect on trust and satisfaction, satisfaction is a mediator between the service quality and loyalty, while trust is not a mediator variable between the service quality and the loyalty of customers in sharia banking. Further research is expected to further examine the role of customer satisfaction in maintaining the loyalty of sharia bank customers.Penelitian ini menguji pengaruh kualitas layanan terhadap loyalitas nasabah bank syariah di Ponorogo yang dimediasi oleh kepercayaan dan kepuasan nasabah. Pada masa pandemi covid-19 nasabah banyak yang menarik uangnya di bank syariah maupun bank konvensional. Kebaruan dari penelitian ini berupa kepercayaan dan kepuasan yang dijadikan sebagai variabel mediator antara kualitas layanan dan loyalitas nasabah, penelitian serupa belum pernah dilakukan. Penelitian ini berjenis kuantitatif dengan metode structural equation modelling, dengan jumlah sampel sebanyak 60 yang terdiri dari guru pada Pondok Modern Darussalam Gontor kampus 2 Madusari Ponorogo. Temuan pada penelitian ini menunjukkan bahwa kualitas layanan berpengaruh positif pada kepercayaan dan kepuasan, kepuasan merupakan media antara kualitas layanan dan loyalitas, sedangkan kepercayaan bukan merupakan variabel mediasi antara kualitas layanan dan loyalitas nasabah bank syariah. Penelitian selanjutnya diharpkan meneliti lebih jauh peranan kepuasan nasabah dalam menjaga loyalitas nasabah bank syariah.
This study aims to develop a Theory of Planned Behavior by analyzing the factors that influence customers to contribute to Islamic P2P lending customers. This study uses a partial least squares structural equation model (PLS-SEM) analysis with 120 respondents. The number of respondents is determined by the five rules of thumb approach, while data collection is done by purposive sampling. This research was conducted for one year, namely in 2021-2022 with the provision that the sample was customers of Islamic P2P lending in Indonesia. The results of the study revealed that attitude, subjective norm and perceived behavior control had a significant positive effect on the intention to contribute to Islamic P2P lending. While piety and intention have a significant positive effect on behavior to contribute to Islamic P2P lending in Indonesia. The results of this study contribute to the development of the theory of planned behavior (TPB), more extensive research is needed such as research in countries that are members of the OIC to validate these results. Keywords: Muslim Behavior, Islamic Peer-to-Peer Landing, Financial Technology
This study aims to explore the reputation, transparency, trust, waqif perception of nadzir’s professionalism, and the intention to pay waqf in Gontor Institution. This study based on the theory of planned behavior (TPB) which examines the effect of reputation, transparency, trust toward waqif perception of Nadzir’s professionalism and intention to pay waqf. The approach this study is a quantitative approach with structural equation modeling-partial least square (SEM-PLS) measurements. The number of respondents 200 alumni of the Pondok Modern Darussalam Gontor. The findings in this study indicate that reputation, transparency, trust have a significant positive effect on the intention to pay waqf at Pondok Modern Darussalam Gontor with the waqif’s perception of nadzir’s professionalism as mediating effect. Other findings indicate that trust as moderating effect between reputation and waqif perception of nadzir’s professional.
Islamic sharia is the only guide for people's life of the sake of maqasid sharia fulfillment. Indonesia is now seeking a way to boost the sector of sharia tourism. One of measurements taken to do so is through the enhancement of sharia hotel sector. However, the unstable financial and political constraints are known to hamper the sustainability of sharia hotel. Sharia Hotel Solo is claimed to be the biggest sharia hotel in Indonesia. However, we need to analyze its position in Solo since the city is known to have a heightened hotel sector competition without being entailed by an increase level of consumer. Thus, this research is primarily aimed at describing the competitive strategy applied by Sharia Hotel Solo in accordance with sharia business management. In addition, it also unravels the strengths, weaknesses, opportunities, and threats of the hotel through sharia business management. The research was conducted through quantitative method. It was analyzed through Internal-External Factor Evaluation, SWOT. The results of IFE show that hotel's internal condition was very good as value of IFE in 3.55. Externalcondition of hotel also very good as result of EFE analysis in value of 3.29. However, I-EFE analysis reveals that Sharia Hotel Solo was situated in Cell I , indicating that its competitive strategy was located in developing and building. The SWOT analysis reveals that it can utilize the opportunity with its strength and overcome the threat by enhancing its strength.
Tujuan penelitian ini adalah untuk menganalisis keberhasilan dan kegagalan dari kebijakan pada era bani Umayyah. Metode penelitian dalam penelitian ini adalah kualitatif, sedangkan metode analisis dalam penelitian ini menggunakan anlisis kualitatif deskriptif yaitu dengan menelaah sumber terkait kebijakankebijakan di era bani Umayyah. Hasil dari berbagai telaah literatur ini digunakan untuk mengidentifikasi penyebab keberhasilan dan kegagalan dari kebijakan pada era bani Umayyah. Hasil atau temuan dalam penelitian ini adalah bahwa keberhasilan kebijakan di era bani Ummayyah pada masa kepemimpinan Umar II, diantaranya adalah kebijakan untuk fokus pada internal (tidak memperluas daerah kekuasaan), egaliter, penjagaan harta umat, efisiensi waktu dan tenaga, kecepatan penanganan urusan, penyederhanaan birokrasi, penyeleksian hakim, kepala daerah, dan pejabat, dan dialog persuasif dengan para pemberontak secara bijaksana. Sedangkan kegagalan kebijakan yang dikeluarkan oleh gubernur Nasar bin Sayyar diantarnya adalah reformasi pajak untuk mengurangi ketegangan sosial dan mengembalikan kontrol Umayyah yang stabil di Transoxiana, mengembalikan ibu kota provinsi dari Balkh ke Merv. masa keemasan bani Umayyah berlangsung pada masa Khalifah Umar bin Abdul Aziz dengan kebijakan yang pro-rakyat. Sedangkan runtuhnya Bani Umayyah berlangsung pada masa Marwan II yang mana Gubernur Khurasannya yaitu Nasr bin Sayyar. Dia mengeluarkan kebijakan perpajakan yang dikenakan kepada non Muslim sehingga menimbulkan beberapa pemberontakan dan runtuhnya dinasti Bani Umayyah.
The study intended to explore the effectiveness between import of bovine and export of fish to economy of Indonesia. Three variables are utilized which are Import of Bovine, Export of fish and GDP constant 2010. To analyses the existences of short run and long run between variable, Vector Error Correction Model are conducted in this study. The result shows that only bovine import has im-pact to GDP in short run. On the other hand, bovine import and fish export together contribute to long run economic growth in Indonesia. This research suggest that resources allocation for import of bo-vine should be maintained as capital for livestock sector in Indonesia rather than being imported as meat for consumption per se, which means incentive for capitalization of imported living bovine should be kept by government. Meanwhile, fishery industry must be supported with long term pro-gram such that its impact to economic growth can be optimized
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