This study examines factors affecting millennial loyalty to Islamic banks, from the perspective of both customers and non-customers. It employed the quantitative method and was assessed with an exploratory-descriptive approach. The study was conducted in Bandung by distributing questionnaires to 200 non-customers and 200 customers of Islamic banks who were between 19-39 years old. Partial Least Square analysis was employed to evaluate the data. The results show that the exploratory-descriptive approach is able to provide complete information about the customer and non-customer loyalty toward Islamic banks. This research underlines that service quality is a significant factor in building customer loyalty while opinion leader is an influencing factor for non-customer loyalty. The study, then, provides guidelines for banking management to improve service quality and to develop marketing strategies using opinion leaders. Besides, it is also advisable for the managers to adjust themselves to the latest trends and millennials lifestyles.
Flypaper Effect is a public finance term that indicates a government grant given to recipient cities increases the local community spending level more than an increase in local income of equivalent size. This paper analyzed the Flypaper Effect Assessment Method in the Expansion of Regional Autonomy. It employed 210 New Autonomous Regions (NARs) in Indonesia during 1999–2021 as a case study, where Indonesia became the country with the highest number of new autonomies in the world. Panel Data Regression was utilized to determine the Flypaper Effect. Flypaper Effect analysis was carried out using the BLUE model selection method. The selected models in this study were Pooled Least Square (PLS), Fixed Effect Model (FEM), and Random Effect Model (REM). Several tests, such as Chow Test, Lagrange Multiplier Test, and Hausman Test, were conducted. Furthermore, the procedures to get the data in BLUE were carried out, such as Heteroscedasticity and Autocorrelation Test. Koenker-Bassett test was used for ascertaining Heterocedascity.
Panel Data Regression is used as a method to determine the Flypaper Effect in the autonomous region.
Each stage in this method is discussed with a calculation/process example.
The method utilized in this paper is recommended to determine the Flypaper Effect of New Autonomous Regions (NARs) for various parties.
Penelitian ini bertujuan untuk mengetahui pengaruh dana pihak ketiga terhadap laba bersih dengan pembiayaan musyarakah sebagai variabel intervening pada Bank Umum Syariah (BUS) di Indonesia periode 2017-2019. Jenis data yang digunakan yaitu data sekunder, Sumber data berupa laporan keuangan tahunan Bank Umum Syariah. Dalam penelitian ini menggunakan 14 BUS sebagai sampel. Metode kuantitatif digunakan dalam penelitian ini. Pengambilan sampel menggunakan purposive sampling dan analisis data yang digunakan dalam penelitian ini yakni uji asumsi klasik dan analisis jalur. Hasil penelitian ini yaitu (1) dana pihak ketiga mempengaruhi pembiayaan musyarakah, (2) dana pihak ketiga mempengaruhi terhadap laba bersih, (3) pembiayaan musyarakah mempengaruhi laba bersih, (4) variabel pembiayaan musyarakah dapat memediasi dana pihak ketiga terhadap laba bersih.
This research was conducted on UMKM Makroni NR Ciamis who have not done a good profit planning. The purpose of this study was to find out how profit planning was carried out, the number of Break Even Points (BEP) and Margin of Safety (MOS) at UMKM Makroni NR Ciamis. The research method applied is descriptive method with a quantitative approach. The types of data used are qualitative data and quantitative data with the data sources being primary data and secondary data. Data collection techniques used are interviews and documentation. The steps taken are to classify costs into fixed costs and variable costs, calculate contribution margin, BEP, target sales volume and MOS. Based on the calculation, the BEP generated is Rp. 5,466,406 and the resulting MOS is 94.33%. The results of this study are expected to help companies in carrying out optimal profit planning through the calculation of BEP and MOS.
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