The operation of sharia banking system in Indonesia is to support the implementation of national development in order to improve justice, togetherness, and equity of welfare from people especially farmers in Sumatera. The financing of agriculture sector is conducted by sharia banking in Sumatera in the last two years (2016-2017) has always increased. The existence of financing disbursed in the agricultural sector can improve the welfare of farmers. Farmers' welfare in this study is projected by Farmer's Exchange Value or FEV which is the ratio between the price index that is received by farmers and the price index that is paid by farmers. Therefore the purpose of this study is to test whether there is a significant and positive influence between agricultural sector financing that is conducted by BUS and UUS on the island of Sumatera 2016-2017. Second, to test whether there is a significant and positive influence between agricultural sector financing that is conducted by BPRS on the island of Sumatera 2016-2017. The type of this study is explanatory that is conducted to prove the causal relationship and to test how the influence between one variable with others. The type of data that is used is secondary data in a monthly form. This paper use panel data regression analysis to answer the research questions. The result finds that financing of the agricultural sector that is conducted by BUS and UUS on the island of Sumatera in 2016-2017 has no significant effect on the welfare (value Prob 0,6563> 0.05). This paper also finds that the agricultural financing that is conducted by BPRS in Sumatera island 2016-2017 has a negative effect on the welfare of farmers in Sumatera (value Prob 0.0004 <0.05).===============================================Beroperasinya sistem perbankan syariah di Indonesia adalah untuk menunjang pelaksanaan pembangunan nasional dalam rangka meningkatkan keadilan, kebersamaan, dan pemerataan kesejahteraan rakyat tidak terkecuali para petani di Sumatera. Pembiayaan sektor pertanian yang dilakukan perbankan syariah di Sumatera dua tahun terakhir (2016-2017) selalu mengalami peningkatan. Adanya pembiayaan yang disalurkan pada sektor pertanian maka dapat meningkatkan kesejahteraan petani. Kesejahteran petani dalam studi ini diproxykan dengan Nilai Tukar Petani atau NTP yang merupakan rasio antara indeks hargayang diterima petani dengan indeks harga yang dibayar petani. Maka dari itu tujuan dari studi ini adalah pertama menguji apakah ada pengaruh signifikan dan positif antara pembiayaan sektor pertanian yang dilakukan oleh BUS dan UUS di pulau Sumatera tahun 2016-2017. Kedua untuk menguji apakah ada pengaruh signifikan dan positif antara pembiayaan sektor pertanian yang dilakukan oleh BPRS di pulau Sumatera tahun 2016-2017.Jenis studi ini adalah eksplanatori yaitu studi yang dilakukan untuk membuktikan hubungan sebab akibat dan untuk menguji bagaimana pengaruh antara variabel satu dengan variabel. Jenis data yang digunakan adalah data skunder dalam bentuk bulanan. Adapun analisis data menggunakan analisis regresi data panel. Hasil dari studi ini adalah pertama pembiayaan sektor pertanian yang dilakukan oleh BUS dan UUS di pulau Sumatera tahun 2016-2017 tidak berpengaruh signifikan terhadap kesejahteraan petani (nilai Prob 0, 6563 > 0,05). Kedua hasil analisis membuktikan jika pembiayaan sektor pertanian oleh BPRS di pulau Sumatera tahun 2016-2017 berpengaruh negatif terhadap kesejahteraan petani di Sumatera (nilai Prob 0.0004 <0,05).
As a business institution, the objectives of Islamic banking is profitability. The profit can be achieved if Islamic banking distributes financing both with the principle of buying and selling, profit sharing or services. The focus of the study was on financing with the principle of profit sharing (Mudharabah and Musyarakah). Profit sharing has been studied as a variable that can increase profitability, but there are no definite conclusions. Thus it is necessary to study whether the actual financing of profit sharing affects the level of profitability directly or through certain business categories. The type of research is causality research with a quantitative approach. The population is Sharia Commercial Banks and Sharia Business Units in the period of January 2016 to December 2018. The data analysis uses Partial Least Square (PLS). The results shows that financing with profit sharing principles is proven to directly have an influence on profitability but in a negative coefficient. This study also shows that the higher the profit sharing financing, the lower the level of profitability. However, when the revenue sharing is channeled through SMEs and non-SMEs, the results become positive and significant to profitability
Pandemi Covid-19 memberikan perubahan dalam proses pembelajaran di lembaga pendidikan termasuk pada pendidikan tinggi. Perubahan tersebut dapat dilihat dari pelaksanaan pembelajaran dalam satu tahun terakhir yang harus dilaksanakan secara daring. Pembelajaran daring dilaksanakan guna mendukung kebijakan pemerintah berupa Pembatasan Berskala Besar (PSBB). Para dosen telah berupaya melaksanakan pembelajaran daring dengan menggunakan berbagai aplikasi yang telah tersedia seperti zoom meeting, google meet, quiz dan aplikasi lainnya. Penelitian ini bertujuan untuk membuktikan secara empiris terkait intention to use dalam pembelajaran daring dengan attitude sebagai variabel mediasi. Data penelitian sebanyak 297 yang dikumpulkan secara daring. Responden penelitian merupakan mahasiswa aktif di berbagai perguruan tinggi yang ada di Kabupaten Magelang. Data penelitian dianalisis structural equation modeling dengan menggunakan software Smart PLS. Hasil pengujian membuktikan bahwa pedagogic competence, perceived ease of use dan perceived usefulness dapat mempengaruhi attitude. Hasil pengujian lainnya membuktikan perceived usefulness dan attitude berpengaruh terhadap intention to use, namun pedagogic competence tidak terbukti. Hasil pengujian pengaruh tidak langsung dapat diketahui bahwa attitude dapat memediasi hubungan antara pedagogic competence, perceived ease of use dan perceived usefulness terhadap intention to use.Student acceptance of online learning during the Covid-19 pandemic with the Technology Acceptance Model approach AbstractCovid-19 pandemic provided a change in the learning process in educational institutions included in higher education. These changes could be seen from the implementation of learning in the past year which should be implemented online. Online learning was be implemented to support government policies in the form of Large-Scale Restrictions (PSBB). The lecturers had made efforts to implement online learning by using various available applications such as zoom meetings, google meet, quizzes, and other applications. This study aims to prove empirically the intention to use online learning with attitude as a mediating variable. The research data were 297 collected online. Research respondents were active students in various universities in Magelang Regency. The research data were analyzed structural equation modeling using Smart PLS software. The test results prove that pedagogic competence, perceived ease of use, and perceived usefulness could affect attitude. Other test results prove that perceived usefulness and attitude had an effect on the intention to use, but pedagogic competence is not proven. The results of the indirect effect test show that attitude can mediate the relationship between pedagogic competence, perceived ease of use, and perceived usefulness for intention to use.
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