Jurnal Ilmiah Online STIE Muhammadiyah Bandung
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THE RELATIONSHIP BETWEEN EDUCATION EXPENDITURE, HEALTH EXPENDITURE AND FINAL EDUCATION LEVEL TOWARDS THE HUMAN DEVELOPMENT INDEX FROM A SHARIAH ECONOMIC PERSPECTIVE : EVIDENCE FROM10 PROVINCES WITH THE LOWEST HDI IN INDONESIA
Get PDFSeveral areas still have relatively low HDIs, despite the government's increased funding for education and health and focus on raising the final education level. The true impact of the last educational level on the quality of life and the efficacy of public expenditure are called into doubt by this. Spending on education, health care, and total education in connection to Indonesia's Human Development Index (HDI) is the focus of this research. This study used quantitative research methods that are associative in nature. The data used are secondary datasets derived from panel data collected from the Central Statistics Agency (BPS) and the Directorate General of Fiscal Balance of the Ministry of Finance (DJPK MENKEU) for the years 2014–2023. The 10 provinces named Maluku Province, Central Sulawesi, Gorontalo, North Maluku, West Nusa Tenggara (NTB), West Kalimantan, West Sulawesi, East Nusa Tenggara (NTT), West Papua, and Papua are the subject of the study object, which covers the period 2014–2024 and is centered on Indonesia. Eviews 10 software was used for the analysis. The results of the study provide facts that education spending and health spending affect the Human Development Index (HDI). The final level of education does not affect the Human Development Index (HDI). The integration of Islamic economic principles in increasing the Human Development Index (HDI) that human development must include material and spiritual aspects in a balanced manner. Principles such as distributive justice, social responsibility, and fulfillment of basic needs are the basis of the Islamic Economic perspective
PENGARUH BAURAN PEMASARAN, DIGITAL MARKETING DAN DIRECT SELLING DI TOKO CINDY JAYA FURNITURE TERHADAP KEPUTUSAN PEMBELIAN
Get PDFToko Cindy Jaya Furniture memiliki kesulitan dalam proses pemasaran dan penjualan yang belum maksimal. Dibutuhkan strategi yang sesuai, untuk persaingan di pasaran yang semakin ketat. Strategi bauran pemasaran, digital marketing dan direct selling dibutuhkan untuk meyakinkan konsumen. Tujuan penelitian untuk mengetahui pengaruh bauran pemasaran, digital marketing dan direct selling terhadap keputusan pembelian di Toko Cindy Jaya Furniture. Penelitian ini memakai teknik kuantitatif dengan populasi penjualan di Toko Cindy Jaya Furniture, terhadap sample berupa probability sampling pada Toko Cindy Jaya Furniture. Penelitian ini menggunakan penelitian kuantitatif dengan mengambil sample berupa probability sampling dari populasi, instrumen yang digunakan adalah kuisioner dan study literatur. Penelitian ini memiliki tiga variabel bebas (X) bauran pemasaran, digital marketing dan direct selling serta variabel terikat (Y) keputusan pembelian.
Software yang digunakan SPSS 26.0, Mendeley dan Microsoft Excel for mac. Hasil uji menggunakan SPSS dengan uji validitas, uji realibilitas, uji hipotesis dan uji koefesien deteriminasi (R2) pada bauran pemasaran, digital marketing, dan direct selling terhadap keputusan pembelian. Dapat dibuat kesimpulan bahwa bauran pemasaran, digital marketing, dan direct selling berpengaruh positif dan signifikan terhadap keputusan pembelian. Penulis memiliki saran untuk Toko Cindy Jaya Furniture yaitu toko yang tidak terlalu strategis (bauran pemasaran), komunikasi promosi yang kurang terperinci dan belum efektif (digital marketing), dan kurangnya kelengkapan produk yang ditampilkan di display (direct selling)
STOCK VALUATION OF PT BANK SYARIAH INDONESIA, TBK
Get PDFIndonesia is the country with the second largest Muslim population in the world. According to the State of the Global Islamic Economy (SGIE) Report, Indonesia's Islamic market will be the third largest globally by 2023, behind Malaysia and Saudi Arabia. Therefore, to accelerate the halal ecosystem's growth, the government, through the Ministry of State-Owned Enterprises (BUMN), is establishing PT Bank Syariah Indonesia Tbk (BSI). The government through the Ministry of SOEs is encouraging BSI to expand overseas. After opening a branch in Dubai, United Arab Emirates, BSI plans to open a branch in Saudi Arabia soon. Strategic investors are needed for BSI to be able to access the Middle East financial market, especially Saudi Arabia. Investors need information and analysis regarding the potential benefits that will be obtained before deciding to invest in BSI. This study uses qualitative and quantitative methods. The first objective of this study is to compare BSI's performance with the banking industry using the competitor analysis matrix method. Second, to analyze macroenvironmental aspects using the PESTLE and Porter's Five Forces methods. Third, to evaluate BSI shares using the excess return valuation method, asset-based valuation to determine the intrinsic value and relative valuation using the PER and PBV comparison. The results of the competitor analysis matrix study, BSI got a score of 4.61 which means BSI's performance is above the industry average. The intrinsic value of BRIS in the best scenario was IDR 2.949, the moderate was IDR 2.435, and the worst was IDR 2.101. Based on the calculation of intrinsic value using the asset-based model, the resulting intrinsic value is IDR 2.616 per share. The next analysis is relative valuation using the Price-to-earning (P/E) Ratio and price-to-book value (PBV) of PT Bank Syariah Indonesia compared to the industry average. Based on the results of the Monte Carlo simulation, the peak point was obtained at around 2.000–2.500, indicating that most simulation results predict stock prices in this range. The mean value of all simulation results is IDR 2.718. This is the central estimate of the most likely stock valuation in the average scenario. If the current market price is close to this value, the stock can be considered fairly valued. Share price BRIS per 11 Nov 2024 of IDR 2.820 per share, based on simulation upside probability 35%
PENGARUH INFRASTRUKTUR PUBLIK TERHADAP PDRB PER KAPITA TAHUN 2013-2022
Get PDFPeningkatan Produk Domestik Regional Bruto per kapita secara keseluruhan difasilitasi oleh infrastruktur publik. Pembangunan infrastruktur harus merata di setiap provinsi di Indonesia bukan hanya terfokus di pulau jawa. Studi ini akan mengkaji bagaimana infrastruktur Indonesia seperti listrik , air bersih, telepon, jumlah sekolah, PMDN, PMA dan IPM mempengaruhi Produk Domestik Regional Bruto per kapita. Selain itu penelitian ini menganalisis provinsi-provinsi yang memiliki infrastruktur yang memadai dan belum memadai, namun belum mengalami peningkatan Produk Domestik Bruto per kapita. Serta menganalisis faktor lain yaitu Investasi dan IPM yang mungkin akan mempengaruhi PDRB per kapita. Penelitian ini menggunakan pendekatan kuantitatif dalam melihat hasil yang akan dianalisis dengan uji regresi data panel melalui alat uji Eviews 12. Hasil penelitian ini secara simultan menunjukkan variabel listrik, air, jumlah sekolah telepon, PMDN, PMA, IPM dan tenaga kerja mempunyai dampak positif signifikan dalam meningkatkan PDRB kapita antar provinsi di Indonesia. Variabel air, PMDN, PMA, dan IPM didapatkan hasil bahwa memiliki pengaruh positif signifikan terhadap PDRB per kapita. Sedangkan variabel listrik, telepon dan tenaga kerja berpengaruh negatif signifikan pada PDRB per kapita dan PDRB per kapita tidak dipengaruhi oleh jumlah sekolah
ANALISIS PENGARUH KUALITAS LAYANAN, KEPUASAN DAN KREDIBILITAS TERHADAP LOYALITAS PELANGGAN MELALUI KEPERCAYAAN PELANGGAN DI BATAM
Get PDFPenelitian ini bertujuan untuk menginvestigasi pengaruh Service Quality, Satisfaction, dan Credibility terhadap Customer Loyalty pada aplikasi penyedia layanan transportasi di Kota Batam dengan mediasi Customer Trust. Metode penelitian yang digunakan adalah pendekatan kuantitatif dengan desain penelitian asosiatif. Data dikumpulkan melalui penyebaran kuesioner kepada 360 responden berpengalaman menggunakan aplikasi ojek online. Analisis dilakukan dengan Partial Least Square Structural Equation Model (PLS-SEM) menggunakan SmartPLS 3. Hasil analisis menunjukkan bahwa variabel Service Quality, Satisfaction, dan Credibility secara signifikan mempengaruhi Customer Loyalty, dengan Customer Trust sebagai mediator. Evaluasi data dilakukan melalui analisis Outer Model untuk validitas konvergen, validitas diskriminan, dan reliabilitas konstruk, serta analisis Inner Model untuk hubungan antar konstruk dalam model penelitian
BRAND ENGAGEMENT AS A MEDIATOR : CONNECTING BRAND FAMILIARITY, SELF-IDENTIFICATION AND POSITIVE WORD OF MOUTH
Get PDFThe Covid-19 pandemic has heightened public awareness of the importance of health products such as hand sanitizers, which became essential during the pandemic. This study aims to analyze the influence of brand fit on brand familiarity, customer brand engagement, self-identification, and word-of-mouth (WOM) for hand sanitizer products registered with the Ministry of Health (Kemenkes) and the National Agency of Drug and Food Control (BPOM). The research employs a hypothesis-testing method with a cross-sectional design, involving 170 respondents selected through purposive sampling based on the criteria of active hand sanitizer users. Data were collected using a five-point Likert scale questionnaire and analyzed using Structural Equation Modeling (SEM), which includes Confirmatory Factor Analysis (CFA) and hypothesis testing. The results indicate that brand fit significantly influences brand familiarity and customer brand engagement. Furthermore, customer brand engagement was found to affect self-identification, which ultimately has a significant impact on WOM. This study reinforces the theories of Consumer-Based Brand Equity, Engagement Theory, and Social Identity in explaining the relationships between brand fit, consumer engagement, and self-identification in shaping consumer decisions to recommend brands.The practical implications of this research highlight the importance of brand fit and customer brand engagement in fostering brand loyalty, consumer trust, and positive WOM. Marketing strategies that focus on packaging visualization, brand image, and relevant product functions can strengthen a brand's position in an increasingly competitive market. This study provides a significant contribution to the marketing literature by adding brand fit as a key factor in creating relevant and meaningful brand experiences for consumer
INTEGRATION OF ERROR CORRECTION MODEL IN TESTING THE INTERACTION EFFECT OF CREDIT GROWTH AND BANKING RISK MANAGEMENT IN INDONESIA
Get PDFThis study explores the impact of market risk, operational risk, liquidity risk, and solvency risk, while also investigating the moderating effect of credit growth on bank performance. The Error Correction Model-Eagle Granger (ECM-EG) methodology was applied to data from 2014 to 2023. Findings indicate that, in the short term, market and operational risks significantly impact bank performance. In the long term, only solvency risk does not significantly affect bank performance. Additionally, credit growth moderates the relationship between market and liquidity risks and bank performance in the short term, while in the long term, it only moderates the relationship between market risk and bank performance. Our empirical findings demonstrate that effective risk management enhances bank performance. This research provides valuable insights for policymakers, researchers, and academics in fostering a conducive environment for corporate activities
PENGARUH METAVOICING, VISIBLE PRESENCE DAN GUIDANCE SHOPPING AFFORDANCE TERHADAP PURCHASING DECISION PADA SHOPEE LIVE STREAMING
Get PDFPenelitian ini bertujuan untuk menganalisis pengaruh metavoicing, visible presence, dan guidance shopping affordance terhadap keputusan pembelian pada platform Shopee live streaming. Menggunakan metode kuantitatif dengan pendekatan purposive sampling, penelitian ini melibatkan 96 responden pengguna Shopee yang pernah berbelanja melalui fitur live streaming. Data dikumpulkan melalui kuesioner dan menggunakan skala likert untuk mengukur sikap serta pendapat responden. Analisis data dilakukan dengan menggunakan Partial Least Squares Structural Equation Modeling (PLS-SEM) melalui perangkat lunak SmartPLS 3.2.8 untuk menguji hipotesis. Hasil penelitian menunjukan bahwa metavoicing dan visible presence tidak berpengaruh signifikan terhadap keputusan pembelian. Sebaliknya, guidance shopping affordance memiliki dampak signifikan terhaap keputusan pembelian
PENGELOLAAN MODAL USAHA DAN PENJUALAN KREDIT BARANG DENGAN PRINSIP QARDHUL HASAN
Get PDFTujuan dari penelitian ini adalah untuk mengetahui Pengelolaan Modal Usaha Dan Penjualan Kredit Barang Dengan Prinsip Qardhul Hasan. Metode yang diterapkan dalam studi ini adalah pendekatan kualitatif dengan pendekatan deskriptif. Dalam penelitian ini dilakukan wawancara langsung kepada pemilik usaha. Hasil penelitian ini menunjukkan bahwa Pengelolaan modal usaha berbasis Qardhul Hasan memungkinkan pemilik usaha mendapatkan tambahan modal tanpa bunga dan administrasi rumit. Sistem kredit barang dengan cicilan fleksibel meningkatkan aksesibilitas pembeli. Kepercayaan antar pihak mendukung kelangsungan usaha, sementara pencatatan manual perlu dioptimalkan untuk efisiensi dan mitigasi risiko keuangan
DETERMINAN RETURN SAHAM : STUDI PADA PERUSAHAAN PERBANKAN INDONESIA TAHUN 2019-2023
Get PDFPenelitian ini bertujuan menelusuri determinan yang berkontribusi terhadap return saham, dengan fokus pada perusahaan perbankan yang terdaftar di BEI sepanjang rentang waktu 2019-2023. Pengujian dilakukan terhadap beberapa indikator keuangan sebagai variabel bebas, mencakup Size (ukuran perusahaan), leverange yang diukur melalui DER, serta PBV, LDR, dan EPS. Sementara return saham ditetapkan sebagai variabel terikat. Metodologi yang diterapkan mengadopsi pendekatan kuantitatif, dimana pengolahan data panel dijalankan menggunakan perangkat lunak EViews versi 12. Sampel penelitian meliputi dari 19 emiten perbankan yang lolos kriteria, yakni mempublikasikan laporan keuangan lengkap serta membagikan dividen selama periode penelitian. Temuan penelitian menunjukkan beberapa faktor yang memengaruhi return saham perusahaan perbankan. Secara statistik, ukuran perusahaan, leverange, PBV, dan LDR memperlihatkan dampak positif yang bermakna, sementara EPS menampilkan pengaruh negatif yang signifikan. Hasil ini menyediakan panduan bagi para investor untuk mempertimbangkan determinan tersebut saat membuat strategi investasi. Manfaat penelitian ini diharapkan bisa menjadi acuan bagi manajemen perusahaan dan pemegang saham untuk mengenali faktor-faktor yang menentukan return saham pada sektor perbankan