This paper investigates the impact of bank-specific and macroeconomic variables on the profitability of Islamic rural bank (BPRS) in Indonesia. Using monthly time series data from January 2010 - December 2018. The estimation model used is a vector error correction model to analyze the long-term and short-term relationships between bank-specific and macroeconomic variables on the profitability of Islamic rural bank. The results showed that CAR and LnTA had a significant positive relationship, while NPF, BOPO and IPI had a negative and significant relationship to the profitability of Islamic rural banks. But FDR and Inflation variables are not significantly related to the profitability of Islamic rural bank. The results leave implications for policy makers, investors and banking sector managers. Based on evidence that bank profitability is more influenced by internal banks (as specific as banks), this research can help Islamic rural banks to help them understand which factors are important to be analyzed to obtain higher profitability.
Tujuan dari penelitian ini adalah untuk menganalisis pengaruh dana pihak ketiga dan pembiayaan bermasalah terhadap profitabilitas di Bank Pembiayaan Rakyat Syariah di Indonesia periode Januari 2014 - Desember 2018. Metode analisis yang digunakan adalah analisis regresi linier berganda, uji statistik yaitu koefisien determinasi, uji t, uji F. Hasil penelitian secara parsial menemukan bahwa variabel Dana Pihak Ketiga dan Non Performing Financing (NPF) tidak berpengaruh signifikan terhadap return on aset pada BPRS di Indonesia. Sementara itu, secara simultan dana pihak ketiga dan non performing financing tidak berpengaruh signifikan terhadap return on aset pada BPR syariah di Indonesia.
Investments in the capital market have a high level of risk but also provide high profits, so it is very important to know changes in macroeconomic variables and investor behavior. In this study will examine the effect of the money supply, inflation volume, and transactions on the Consumer Goods Index.The partial test results show that the money supply and transaction volume have a significant positive effect on the consumer goods index, but inflation has no significant effect on the consumer goods index.Simultaneous testing shows that all variables have a significant influence on a good consumer index. The results show that all variables of money supply, inflation and transaction volume can explain 74.90%, and 25.10% are explained by other factors outside the research variable.
This study aims to describe qualitatively the portrait of children's education in the perspective of the Banjar tribal fishing community in Karang Anyar Village, this phenomenon is very interesting and important to study scientifically. The methods used in this research are observation, interview and documentation methods. The data analysis techniques used are data reduction, data display and data verification. This is dominated by parents who have misconceptions (misunderstanding) with education who think that there is no point in sending their children to school because it only adds to the economic burden and they are simply given education at home so that it is better for these children to help their parents earn a living at home. sea because of going to school in the end to get a degree and earn an income. This is what makes the level of education of children in this region is very minimal. The factors causing the lack of children's education in this village are the lack of parental participation in education, economic conditions and environmental influences that are too urgent and the children's income too early, the crisis of solidarity, the relatively high pessimistic attitude of the community, the lack of cooperation between teachers, parents, community leaders, and religious leaders.
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