The high ratio of problematic financing or Non-Performing Finance (NPF) at Islamic banks is a phenomenon that needs attention because it is one indicator to assess the soundness of Islamic banks. The causative factors could be two-way, first, the internal factors in Islamic banking itself; the principle of prudence in channeling financing; and second, external factors. Economic data indicated a slowdown in global economic growth became a negative sentiment on the financial markets; one of the consequences was the weakening of the customer ability to meet their obligations would be increasing the ratio of problem financing (NPF). The purpose of this study is to analyze and identify the relationship between macro variables Gross Domestic Product (GDP), exchange rate, and inflation with NPF at Sharia Banks in Indonesia 2009: Q1 to 2018: Q4. This research is a quantitative study with the data analysis method used Autoregressive Distributed Lag (ARDL) to analyze the relationship between independent variables on the dependent variable in the long term and short term. The result is that GDP has a negative and significant effect on NPF both in the long term and short term. In comparison, the exchange rate and inflation have a positive and significant effect on the NPF in the short run but have no significant effect in the long run.
The island of Bali as one of the tourism centers in Indonesia has felt the huge impact of Covid 19. The economy of Bali, which relies on tourism with natural and cultural beauty, has experienced a very drastic decline. Data shows that the number of foreign tourists to Bali in January 2021 has decreased as deep as 93.33%, compared to the record in December 2020 and when compared to January 2020, the number of foreign tourists to Bali was recorded to have decreased by almost 100%, namely -99.998% (BPS, 2021). This paper aims to determine the impact of Covid 19 on the economy of Bali, which relies on environmental and cultural sustainability-based tourism as a tourist attraction. This paper uses a literature review analysis related to the economic and environmental impacts in Bali caused by the Covid-19 pandemic. The impact of the Covid 19 pandemic on the economy of Bali which relies on environmental and cultural sustainability-based tourism as a tourist attraction is enormous. The economic downturn and the increase in the volume of Hazardous waste due to the pandemic are real problems to be faced, although environmental restoration will greatly benefit Bali's future sustainability
This study aims to analyze the factors that influence customer decisions in taking wadi'ah deposits, studies at BMT Hasanah Ponorogo. This research is important because there are various banking products that suit the needs and desires of customers. The customer's desire arises because psychological factors influence the customer's decision to choose a banking product. Recognition of needs, extracting information, evaluating alternatives, buying decisions and post-purchase behavior are stages in making economic decisions. This research is a quantitative research, with data collection techniques using questionnaires to 100 respondents, while the data analysis technique uses path analysis through SPSS software. The results show that product variables have a significant and positive effect directly on psychological factors, with a calculated t value of 8,040> t table is 1,984 and significant value is 0,000 <0,05. Psychological factors have a positive and significant effect directly on customer decisions based on the t test obtained by the value of t count of 2.326> t table of 1.984 and a significant value of 0.022 <0.05. And the indirect effect of the product on customer decisions through psychological factors as an intermediary variable has an effect of 0.156, as evidenced by regression analysis, while the direct effect of the product on customer decisions is 0.681. الملخص: تهدف هذه الدراسة إلى تحليل العوامل التي تؤثر على قرارات العملاء في أخذ الودائع الوديعة ، والدراسات تقع في مؤسسة مالية الحسنة. هذا البحث مهم لأن هناك اختلافات متنوعة في المنتجات المصرفية التي تسهل على العملاء اختيار المنتجات وفقا لرغباتهم. وتنشأ رغبة العميل لأن العوامل النفسية تؤثر على قرار العميل باختيار منتج مصرفي. يعد تقديم الاحتياجات والبحث عن المعلومات والتقييم البديل وقرارات الشراء وسلوك ما بعد الشراء مراحل في اتخاذ القرارات الاقتصادية. هذا البحث هو البحث الكمي. أظهرت نتائج الدراسة أن لمتغيرات المنتج تأثير كبير وإيجابي مباشر على العوامل النفسية. العوامل النفسية لها تأثير إيجابي وهامى مباشرة على القرارات. والتأثير غير المباشر للمنتج على قرارات العملاء من خلال العوامل النفسية. Abstrak: Penelitian ini bertujuan menganalisis faktor-faktor yang mempengaruhi keputusan nasabah dalam mengambil simpanan wadi’ah, studi pada BMT Hasanah Ponorogo. Penelitian ini penting dilakukan karena terdapat beragam variasi produk perbankan yang memudahkan bagi nasabah untuk memilih produk sesuai dengan keinginannya. Keinginan nasabah muncul karena faktor psikologis yang berpengaruh dalam keputusan nasabah memilih produk perbankan. Pengenalan kebutuhan, pencarian informasi, evaluasi alternatif, keputusan membeli dan tingkah laku pasca pembelian merupakan tahapan dalam pengambilan keputusan ekonomis. Penelitian ini merupakan penelitian kuantitatif, dengan teknik pengumpulan data menggunakan kuesioner kepada 100 responden, adapun teknik analisis data menggunakan path analysis melalui software SPSS.Hasil penelitian menunjukkan variabel produk berpengaruh secara signifikan dan positif secara langsung terhadap faktor psikologis, dengan nilai t hitung sebesar 8.040 > t tabel sebesar 1,984 dan nilai signifikan 0,000 < 0,05. Faktor psikologis berpengaruh secara positif dan signifikan secara langsung terhadap keputusan nasabah berdasarkan uji t didapat nilai t hitung sebesar 2.326> t tabel sebesar 1,984 dan nilai signifikan 0,022< 0,05. Serta pengaruh tidak langsung produk terhadap keputusan nasabah melalui faktor psikologis sebagai variabel perantara berpengaruh sebesar 0,156, terbukti dengan analisis regresi, sedangkan pengaruh langsung produk terhadap keputusan nasabah sebesar 0,681.
Return On Asset is a profitability ratio that can measure the company's ability to produce labs. In this study, the researchers found data on the quarterly financial reports of Bank Syariah Indonesia that the FDR value increases. However, the ROA value and decreased, found the BOPO and NPF values decreased but were not accompanied by an increase in ROA. This study using a quantitative method with an associative approach. The type of data used is secondary data from the 2013 first-quarter financial statements - In the fourth quarter of 2020, data is taken from the Bank Syariah Indonesia website. Data analysis using classical assumption test, simple linear regression analysis, linear regression analysis multiple, hypothesis testing, and path analysis. The results showed that NPF could mediate between BOPO and ROA. NPF can mediate between FDR and ROA. The cause of the decrease in ROA is caused because the BOPO value is still relatively high due to Sharia Bank Indonesia's performance less efficient and have the FDR value in several quarters exceed the maximum limit. So it indicates that the bank is less efficient in the distribution of financing and has an NPF value that exceeds the limit set by Bank Indonesia in several quarters. The solution is to make BOPO efficient. Indonesian Sharia Banks must pay attention to operational efficiency by paying attention to costs incurred with revenue received. A low BOPO will significantly affect the level of profit Islamic banks to improve the quality of ROA. Furthermore, more cost-effectiveness further increases the income so that the profit obtained is higher. Next, Bank Syariah Indonesia must use the number of funds in the banking sector to channel financing so that the risk of financing is getting higher reduced.
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