This paper analyze factors that influence customer preference between conventional and sharia bank, and which factor is the most dominant. The study was conducted in Balikpapan city from May 2017 until August 2017. The sample is 25 customers of BRI Sharia and 31 customers of conventional BRI. Statistical analysis model used in this paper is Binary Logistics Regression. There are 8 predictor variables to be analyzed to know their effect to customer decision in choosing bank between sharia bank and conventional bank. The variables are: knowledge of respondents about sharia bank (X1), knowledge of respondents about the difference between conventional and sharia banks (X2), knowledge of respondents about products offered by sharia bank (X3), promotion of sharia bank via printed media (X4), promotion of sharia bank via electronic media (X5), promotion of sharia bank in social activities (X6), the customer's efforts to observe religious orders (X7), and the customer's efforts to avoid the religious prohibitions (X8). The results of individual significance test indicate that knowledge of respondents about sharia bank, and promotion of sharia bank through electronic media has significant effect to the customer’s decision in choosing bank. And the most significant effect is promotion through electronic media (X5). Keywords : binary logistic regression, decision, sharia bank
Tujuan dari penelitian ini adalah untuk mengetahui perngaruh Debt to Equity Ratio (DER), Return On Equity (ROE) dan Earning Per Share (EPS) terhadap Harga Saham. Data diperoleh dari Annual Reportyang diterbitkan oleh Bursa Efek Indonesia dengan periode 2009-2017. Bank yang dijadikan sampel penelitian ini adalahBank Badan Usaha Milik Negara yang terdaftar di Bursa Efek Indonesia periode 2009-2017. Teknik analisis yang digunakan dalam penelitian ini adalah analisis regresi linier berganda untuk memperoleh gambaran yang menyeluruh mengenai hubungan antar variabel satu dengan variabel lainnya. Berdasarkan hasil pengujian hipotesis dengan menggunakan uji simultan (F) statistik menyimpulkan bahwa ketiga variabel bebas (DER, ROE, dan EPS) secara simultan berpengaruh signifikan terhadap variabel terikat, yakni Harga Saham. Demikian juga secara parsial, dimana ketiga variabel tersebut berpengaruh signifikan. Nilai R 2 sebesar 0.801 yang diperoleh menunjukkan bahwa 80.1% dari perubahan nilai Harga Saham dipengaruhi oleh variabel bebas dalam penelitian, dan sisanya sebesar 19.9% dipengaruhi oleh variabel lain di luar model.
The data obtained in banking and financial research is often in the form of panel data, while panel data is a combination of cross section and time series data. The aim of this paper is to apply panel data regression analysis to obtain an appropriate model. The case taken is the analysis of the influence of the ratio of Loan to Deposit Ratio (LDR) and Non Performing Loan (NPL) to the Return On Assets (ROA) of Bank for Regional Development (BPD) in Indonesia in the period 2012 to 2016. From the model specification test results obtained that the fit model is the Fixed Effect Model (FEM). The empirical test result between individual and time effect showed that fit model is is individual effect model, i.e. slope coefficients constant but the intercept varies across 20 bank of BPD samples. The main LDR and NPL variables have no significant effect on ROA. While individual Bank BPD which has significant effect on ROA is BPD of DIY, BPD of Central Sulawesi, BPD of Southeast Sulawesi BPD of West Java BPD, BPD of East Java, and BPD of South Kalimantan.
Impulse buying is a very interesting phenomenon for retailers and marketers because it is the biggest market share and occupy a very important position and can increase sales. The aim of the research is to analyze whether the Country of Origin ( COC), brand image and ethnocentrism significantly affect students impulse buying of local fashion in Semarang city. Data analysis used in this research is linier regression analysis. The result shows that COO the only variables that do not significantly affect students impulse buying. Need a strategy of brand image reinforcement and promotion emphasized on the love of domestic products. Promotion of products at the local level of Semarang city needs to be improved by taking into account the values of excellence and local wisdom. AbstrakImpulse buying merupakan fenomena yang sangat menarik bagi retailer mauput marketer karena merupakan market share yang terbesar dan menduduki posisi yang sangat penting serta dapat meningkatkan penjualan. Tujuan penelitian ini untuk menganalisis apakah Country of Origin (COO), brand image dan ethnocentrisme berpengaruh secara signifikan terhadap impulse buying produk fashion lokal mahasiswa di Semarang. Analisis data yang digunakan yaitu analisis regresi linier berganda. Hasil penelitian menunjukkan bahwa hanya variabel COO yang tidak berpengaruh secara signifikan terhadap impulse buying mahasiswa produk fashion lokal mahasiswa di Semarang. Perlu strategi penguatan brand image dan promosi yang mengedepankan kecintaan produk dalam negeri. Promosi produk di tingkat lokal kota Semarang perlu ditingkatkan dengan memperhatikan penekanan nilai-nilai keunggulan dan kearifan lokal Kata kunci: country of origin ( COO), brand image, ethnosentrisme, impulse buying
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