The Covid-19 pandemic has substantially changed the world. Social, economic, culture as well political landscapes have been forced to adapt to a new normal—a previously unfamiliar or atypical situation that has become standard, usual, or expected. This has, to some degree, obstructed economic activity throughout many sectors, with important aftermaths for businesses and households. Companies that have stopped operating will lose revenue, and, therefore, may not be able to repay the loan. Equally, households where family members lose their job or leave will experience a decrease in income which, in turn, will not be able to pay their loans or credit installments. This phenomenon will result not only in lost revenue but also to losses which has the potential to negatively affect bank profits and capital. This paper is aimed at analyzing the impact of the Covid-19 pandemic towards sharia commercial banks’ performance in Indonesia. The dependent sample t-test was performed to test the proposed hypotheses. It was revealed that the banks’ performances were not totally negatively affected by the Covid-19 pandemic. The growth rate of total assets the capital adequacy ratio (CAR), non-performing financing, and operating efficiency ratio were not negatively affected by this pandemic, however, returns on assets, financing to deposits ratio, and net operating margin were negatively affected by the pandemic.
Management practices are available that may reduce sediment or phosphorus (P) loading to streams draining agricultural land. An evaluation of the long term effects of implementing one or more of these practices is needed. We used the Erosion Productivity Impact Calculator (EPIC) and Agricultural Non‐Point Source (AGNPS) models to evaluate 20 management practices for sediment and P yields from 4 ha fields in a 1272 ha watershed of dairy farms. Five crop sequences [continuous corn (Zea mays L.) CC(OA)AAA, CC(OA)AAAA, CCC(OA)AAA, and CCCAAA; 0, oat (Avena sativa L.); A, alfalfa (medicago sativa L.)] combined with either fall moldboard plowing (mFMP), chisel plow (mFCP), no‐till (mNT), or no‐till substituting anhydrous ammonia for manure (aNT), were imposed on a toposequence of three Alfisols. The normal sequence, 2 yr of corn, oat/alfalfa seeding, 3 yr of alfalfa with fall application of solid manure followed by moldboard plowing, CC(OA)AAA‐mFMP, served as reference. Scenarios were subjected to 42 yr of simulated local climate. Scenarios with 43% or less row crop and mNT on a 4% sloping soil reduced sediment yield from 24 to 47%, at edge of field, but increased total P yield from 158 to 338%, mostly as soluble P. The EPIC output parameters (soil loss ratio [C] for June, erodibility [K], Manning's n, and SCS curve number [CN]) served as inputs to the (AGNPS) model, a cell based single rainfall event model that simulates runoff, sediment, and P yields from a watershed. Crop sequences not exceeding 43% corn and mFCP or aNT reduced watershed sediment yield 13 to 41%, but increased total P yield by 44 to 113% as compared with CC(OA)AAA‐mFMP. Average annual costs were $11 ha−1 less for these sequences when compared with CC(OA)AAA‐mFMP.
Insurance sector is an integral part of financial system which offers an important contribution in the nation’s economy. It provides long terms fund for investment which leads to improving financial and non-financial infrastructural facilities. The financial performance of insurance firms, therefore, is an important aspect needing special attention. The paper’s objective is to investigate the impact of micro and macroeconomic indicators on the financial performance of life insurance firms. Based on the Indonesia Financial Service Authority (IFAS) database, a set sample of 30 life insurance firms for the periods of 2011-2018 was generated. Panel data regression analysis was performed to test the formulated hypotheses. Random effect model was identified as the appropriate model indicating that differences in the characteristics between the studied life insurance firms have an effect on the dependent variable, in this case the return on equity. Based on the resulted model, it is revealed that the financial performance i.e. return of equity is affected consecutively by economic growth, expense ratio and current ratio in different direction and magnitudes.
Financial performance is of importance for life insurance firms. It is affected by various factors including financial health which is measured by risk-based capital, technical reserve and equity. The study aims at analyzing the effect of these financial health measures on the financial performance of life insurance firms. Secondary data which include financial performance (i.e., return on assets), risk-based capital, technical reserve and equity of thirty three life insurance firms for the periods of 2011-2016 was used. Panel data regression analysis was performed to analyze the obtained data. Financial performance was affected by risk-based capital, technical reserves and equity in different directions. Financial performance of life insurance firms increases with low risk-based capital and technical reserves, but decreases with high equity.
Tujuan dari penelitian ini adalah untuk mengetahui penerapan DebtFinancing dan Equity Financing pada Perbankan Syariah di Kota Bandungdan ntuk mengetahui seberapa besar pengaruh Debt Financing dan EquityFinancing Terhadap Profit Expense Ratio pada Perbankan Syariah diBandung secara simultan maupun parsial.Dengan hasil penelitian adalah Secara keseluruhan secara bersama-samavariabel Debt Financing dan Equity Financing memberikan pengaruhsebesar terhadap Profit Expense. Sisanya disebabkan oleh variabel-variabel lain diluar kedua variabel tersebut yang tidak dilibatkan dalam penelitian ini.antara lain DER. BOPO dan lain-lain (Mamduh Hana. Darihasil uji hipotesis secara parsial Debt Financing memberikan pengaruhterhadap Profit Expense sedangkan Equity Financing juga memberikanpengaruh terhadap Profit Expense. Kata Kunci : Debt Financing, Equity Financing, Profit Expense Ratio
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