As intermediary institutions, conventional banks have larger amount of loans to third party funds than of Sharia banks. Thus, the bank needs a performance appraisal to measure banking operations through efficiency. We examine the efficiency of Islamic banks and conventional banks in Indonesia and analyzes the factors that influence the level of efficiency known as the Two-Stage Data Envelopment Analysis method. We found that there are significant efficiency differences between Islamic banking and conventional banking in the 1 st quarter 2014-4 th quarter 2017. On the other hand, NPF and NPL results affected negatively towards Islamic and conventional banks efficiency. Asset and CAR affected positively significant toward Islamic banks efficiency. Asset and ROA had affected positively significantly toward conventional banks efficiency but CAR had affected positively insignificantly toward conventional banks. Lastly, ROA had affected positively insignificantly toward Islamic banks efficiency AbstrakBank sebagai lembaga keuangan memiliki peran penting bagi pertumbuhan ekonomi Indonesia. Peran penting tersebut terlihat dari fungsi bank sebagai lembaga perantara, yaitu sebagai penghubung antara pihak kelebihan dan kekurangan dana. Agar fungsi perantara optimal, bank harus memberikan kinerja terbaik untuk meningkatkan kesejahteraan masyarakat. Pengukuran efisiensi adalah salah satu indikator kinerja perbankan yang membutuhkan perhatian, dimana hasil pengukuran ini digunakan sebagai bahan evaluasi untuk terus meningkatkan kinerja perbankan. Tujuan kajian ini mengukur efisiensi Bank Syariah dan Bank konvensional di Indonesia serta menganalisa faktor yang memengaruhi tingkat efisiensi yang dikenal dengan metode Two-Stage Data Envelopment Analysis. Hasil kajian menunjukkan bahwa ada perbedaan efisiensi yang signifikan antara perbankan Syariah dan perbankan konvensional pada Triwulan 1 2014-Triwulan 4 2017. Variabel Aset berpengaruh positif signifikan pada kedua efisiensi bank, sedangkan NPF/NPL berpengaruh negatif tidak signifikan terhadap dua efisiensi bank. Variabel ROA berpengaruh positif signifikan pada efisiensi bank konvensional dan berpengaruh positif tidak signifikan pada efisiensi bank syariah. Untuk variabel CAR berpengaruh positif signifikan pada efisiensi bank syariah dan berpengaruh positif tidak signifikan pada bank konvensional. How to Cite: Majdina, N., Munandar, J. M., & Effendi, J. (2019). The determinant factors of efficiency on Islamic banking and conventional banking in Indonesia. Jurnal Keuangan dan Perbankan, 23(3), 454-468.
<p><em>ABSTRACT</em></p><p><em>Indonesia is one of the largest Moslem population countries in the world. It leads to the increasing of halal product demand in Indonesia. The awareness to consume halal product becomes a large market potential for producers to produce their halal products. Nowadays, halal is not only purely about religion matter, but also about business and trade. The objective of this study is to investigate the factors affecting customers on purchasing halal buying interest on processed food. We use a purposive sampling method with 109 respondents who are customers of the supermarkets and minimarkets in Bogor City/District, Indonesia. While data analysis is done by SEM-PLS method, this study uses brand image, perceived quality, perceived value, halal certification, health reason, halal awareness, and halal marketing as the factors which are affecting the halal purchase intention of the customers. The result showed that health reason, halal awareness, and perceived value have a significant and positive direct effect on purchasing intention. Halal marketing also shows a significant and positive effect on purchasing intention. While halal marketing shows a negative and significant effect on purchasing intention. The food safety, halal certification, brand image, and perceived quality show the same effect which has no direct effect on purchasing intention. Furthermore, food safety has an indirect effect on purchasing intention through health reason. Halal certification has an indirect effect on minat beli through brand image variable. Meanwhile, brand image and perceived quality have an indirect effect through perceived value variable on purchasing intention.</em></p><p><em><br /></em></p><p>ABSTRAK</p><p>Indonesia adalah salah satu negara dengan populasi Muslim terbesar di dunia. Hal ini menyebabkan meningkatnya permintaan produk halal di Indonesia. Kesadaran untuk mengkonsumsi produk halal menjadi potensi pasar yang besar bagi produsen untuk memproduksi produk halal mereka. Saat ini, halal tidak hanya murni soal agama, tapi juga soal bisnis dan perdagangan. Tujuan dari penelitian ini adalah untuk mengetahui faktor-faktor yang mempengaruhi minat pelanggan dalam membeli pada makanan olahan halal. Kami menggunakan metode voluntery sampling dengan 109 responden yang merupakan pelanggan supermarket dan minimarket di Kota/Kabupaten Bogor, Indonesia. Sedangkan analisis data dilakukan dengan metode SEM-PLS. Penelitian ini menggunakan citra merek, persepsi kualitas, persepsi nilai, sertifikasi halal, kesehatan, kesadaran halal, dan Pemasaran halal sebagai faktor yang mempengaruhi niat pembelian halal pelanggan. Hasil penelitian menunjukkan bahwa kesadaran halal, alasan kesehatan, dan persepsi nilai berpengaruh positif dan signifikan terhadap niat beli. Pemasaran halal juga menunjukkan efek positif dan signifikan terhadap niat beli. Sedangkan pemasaran halal menunjukkan efek negatif dan signifikan terhadap niat beli. Keamanan pangan, sertifikasi halal, citra merek, dan kualitas yang dirasakan menunjukkan efek yang sama yang tidak berpengaruh langsung pada niat beli. Selanjutnya, keamanan pangan berpengaruh tidak langsung terhadap niat beli melalui alasan kesehatan. Sertifikasi halal memiliki efek tidak langsung terhadap niat beli melalui variabel citra merek. Sedangkan citra merek dan persepsi kualitasmemiliki pengaruh tidak langsung melalui persepsi nilai variable terhadap niat beli.</p>
Most handphones in Indonesia and Malaysia are imported from other countries such as from America, Europe, China, and South Korea. The enhancement of global brands has reduced local brand preferences. This research aims to clarify the consumers' perception towards brands of handphones in Indonesia and Malaysia by conducting comparative studies in both countries and examining the effects of product attributes and brand image on brand preference. Questionnaire surveys were conducted to 200 respondents from Indonesia & Malaysia. The data were analyzed by the descriptive analysis, Semantic Differential Scale Analysis, ANOVA test, and Structural Equation Modelling Partial Least Square (SEM-PLS). It has been clarified that there are differences in preferences between consumers in Indonesia and Malaysia in terms of product attributes. Thus, the results of this research give benefits to the market expansion and product development in both countries.
<p><em>Analog rice is artificial ricewhose material is not from paddy, but it is made from a variety of local flour (corn, sago and shorgum). As a new product, Rice Analog require appropriate marketing strategies through analysis of consumer perception. This research purposes are to develop a marketing strategy through identification Analog Rice segmentation, targeting and positioning based on consumer perception. The analytical method used were crosstabs analysis, cluster analysis and biplot analysis with 73 respondent. Crosstabs result indicated that consumer characteristics (age, marital status, education, income and expenses of month), associated with their impression and interested to re-purchase. Cluster analysis was delivered into four market segments, the third target market are 31-40 years old, married, the level of income of IDR 4,500,001 to IDR 6,000,000. Biplot analysis deliver positioning for Analog Rice product therefore this rice offers “health benefits”, “nutritive ingredients”, and “safe to consumed”.</em></p><em>Keywords : Analog rice, consumer perceptions, marketing strategy, cluster analysis, biplot analysis<strong>.</strong></em>
The use of e-commerce in running a business has become a trend nowadays. This is marked by many consumers conducting online transactions to run their business or order the desired product because it is easy, fast and flexible. This study aims to analyze consumer characteristics, factors that influence the intention to buy products through e-commerce, and differences in consumers when shopping at malls and e-commerce. The approach in this study uses a quantitative approach with a survey method. This research was conducted using accidental sampling techniques with respondents totaling 121 people. This study uses primary data which is done by distributing questionnaires directly to respondents totaling 121 respondents consisting of 121 respondents to e-commerce users in the Jabotabek region. Data analysis was performed using SEM using Partial Least Square (PLS) software. This study shows that most consumers are students and domiciled in Bogor and do not have jobs yet. The objective norms and attitudes toward behavior have no significant effect on buying intentions, whereas only hypotheses related to perceptions of behavior control have been shown to have a significant effect on it. This means that consumers prefer shopping at the mall compared to shopping online.
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