Rumah Jurnal Institut Pesantren KH. Abdul Chalim
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The Effect of Basel III Liquidity, Credit Risk, and Market Risk on the Profitability of Commercial Banks in Indonesia
No full textThis study aims to analyze the effect of Basel III liquidity provisions, credit risk, and market risk on banking profitability in Indonesia. The global financial crisis has hit the banking world several times, showing that the fulfillment of capital requirements is not enough to make banks survive, so the Basel Committee on Banking Supervision initiated Basel III which added provisions regarding banking liquidity, namely Liquidity Coverage Ratio and Net Stable Funding Ratio. Previous research only discussed the effect of the Liquidity Coverage Ratio on banking profitability (Return on Assets and Net Interest Margin), with two control variables Equity to Assets Ratio and Bank Size. This study adds other independent variables of Basel III liquidity provisions (Net Stable Funding Ratio), credit risk (Non-Performing Loan), and market risk (Stock Return Risk). With a sample of 20 conventional banks listed on the IDX for the 5 years (2018-2022), 100 secondary data were obtained from each bank's website. The results of panel data regression with multiple regression analysis show that Net Stable Funding Ratio and Stock Return Risk only has a significant effect on Net Interest Margin; Non-Performing Loan and Bank Size have a significant effect on Return on Assets and Net Interest Margin; Equity to Assets Ratio only has a significant effect on Return on Assets; and Liquidity Coverage Ratio has insignificant effect on both Return on Assets and Net Interest Margin. This study provides implications for bank management and regulators to commit and supervise the NPL level low, and to provide support to increase bank assets.Penelitian ini bertujuan untuk menganalisis pengaruh ketentuan likuiditas Basel III, risiko kredit, dan risiko pasar terhadap profitabilitas perbankan di Indonesia. Krisis keuangan global yang beberapa kali melanda dunia perbankan menunjukkan bahwa pemenuhan kebutuhan permodalan saja tidak cukup untuk membuat bank dapat bertahan, sehingga Basel Committee on Banking Supervision menginisiasi Basel III yang menambahkan ketentuan mengenai likuiditas perbankan yaitu Liquidity Coverage Ratio dan Net Rasio Pendanaan Stabil. Penelitian terdahulu hanya membahas pengaruh Liquidity Coverage Ratio terhadap profitabilitas perbankan (Return on Assets dan Net Interest Margin), dengan dua variabel kontrol Equity to Assets Ratio dan Bank Size. Penelitian ini menambahkan variabel independen lain yaitu ketentuan likuiditas Basel III (Net Stable Funding Ratio), risiko kredit (Non Performing Loan), dan risiko pasar (Stock Return Risk). Dengan sampel sebanyak 20 bank konvensional yang terdaftar di BEI periode 5 tahun (2018-2022), diperoleh 100 data sekunder dari website masing-masing bank. Hasil regresi data panel dengan analisis regresi berganda menunjukkan bahwa Net Stable Funding Ratio dan Stock Return Risk hanya berpengaruh signifikan terhadap Net Interest Margin; Non Performing Loan dan Bank Size berpengaruh signifikan terhadap Return on Assets dan Net Interest Margin; Equity to Assets Ratio hanya berpengaruh signifikan terhadap Return on Assets; dan Liquidity Coverage Ratio tidak berpengaruh signifikan terhadap Return on Assets dan Net Interest Margin. Penelitian ini memberikan implikasi bagi manajemen bank dan regulator untuk berkomitmen dan mengawasi agar tingkat NPL tetap rendah, serta memberikan dukungan untuk meningkatkan aset bank
The Influence of Infrastructure Development on the Economic Growth of North Sumatra Province
No full textThis research analyzes the influence of infrastructure development and convergence on economic growth in North Sumatra Province which is divided into four regions, namely the east coast, west coast, highlands, and islands. The analysis uses the multiple panel data regression method with time series data for 2018-2022. The regression results show that the Gross Fixed Capital Formation (GFCF) variable has a positive and significant impact in the East Coast and highland regions, while in the West Coast and island regions it has a negative but significant impact. Average Years of Schooling (RLS) has a positive and significant impact in most areas, except in island areas where it is not significant. Electrical infrastructure has a positive and significant impact in all regions, road infrastructure has a positive and significant impact in the west coast and highland areas, and for the east coast and island regions, the impact is positive but not significant. Meanwhile, the impact of clean water infrastructure varies. σ-convergence was found only in the east coast region, while β-convergence was detected in all regions with different levels of convergence, but lagging districts/cities took a very long time to catch up with the growth of developing districts/cities with a half-life of 47 years in the east coast region. 82 years on the west coast, 19 years on the highland areas, and 29 years on the island areas
Contradictions on Age of Guardianship Provisions in Marriage Law and the Compilation of Islamic Law and Its Application in Religious Courts
No full textA child in general is someone who is not yet an adult or not married, and it is not possible for a child who is under this age to carry out legal actions by himself. For all legal actions, a child is under the authority of a guardian. The legal practice for the determination of legal guardianship for people who are Muslims according to the rules of law legislation is carried out in the Religious Court. The legal source of legal regulations regarding guardianship is regulated by Law No. 01 of 1974 concerning Marriage Chapter XI Guardianship Article 50 paragraph (1), namely the proposed child who has not reached the age of 18 years and is also regulated in Presidential Instruction No. 01 of 1991 Compilation of Islamic Law, namely in Chapter XV Guardianship Article 107 paragraph (1), namely the proposed child guardianship who has not reached the age of 21 years. The differences in legal regulations like this, create problems and do not implement the objectives of the law, namely the emergence of legal uncertainty (Contra Legal Certainty). This research uses Normative research (Normative Juridical). Namely using a statutory approach this approach is carried out by examining legislation and also an approach by examining cases or decisions of the Religious Court relating to Guardianship
The Role of Financial Inclusion and Economic Growth on Poverty in Developing Countries in Asia
No full textThis research aims to determine the influence of financial inclusion and economic growth on sustainable development in developing countries in Asia. This research method uses quantitative research. This research was conducted on the International Monetary Fund and World Bank websites. The type of data used in this research is secondary data. Where the data collected comes from necessary websites such as the International Monetary Fund. Data collected from this website is used for the financial inclusion and poverty variables obtained from the International Monetary Fund website. Meanwhile, the scope of this research is developing countries in Asia such as Armenia, Indonesia, India, Iran, and Thailand with a research data series for 8 years, namely from January 2015 to December 2022. The variable data collection method comes from websites related to variables. study. Meanwhile, the type of data used in this research is a time series, where the data is a time series. Data analysis technique multiple regression analysis. Pooled Least Square (Common Effect), Random Effect Model Approach, Determination of Panel Data Regression Model Tests, Chow Test, Hausman Test, Lagrange Multiplier Test, Statistical Test Analysis, Parameter significance testing, F statistical test, individual significance test (t-test), analysis of assumption tests consisting of autocorrelation test, multicollinearity test, heteroscedasticity test. The research results show that panel data estimation results used the Fixed Effect Model (FEM) to see the role of financial inclusion and economic growth on poverty in developing countries in Asia, proven by the two independent variables with financial inclusion as indicators of commercial bank branches, outstanding loans, outstanding deposits and proven economic growth. does not affect poverty in developing countries in Asia. Whether the indicators are commercial bank branches, outstanding loans, outstanding deposits, and economic growth, these four variables do not have a probability of < 0.05.
 
Determinants of Human Capital and Public Sector Finance on Development Inequality in East Kalimantan Province
No full textInequality occurs due to differences in characteristics in each region, in terms of natural resources, human resources, and capital resources. The level of development inequality in Indonesia in recent years has increased. This research aims to determine the influence of the human development index, foreign investment, domestic investment, capital expenditure, general allocation funds, and special allocations on development inequality in East Kalimantan province in 2018-2022. This research is quantitative research using secondary data for each province from 2018-2022. The data analysis used is data regression analysis using the Random Effects Model (REM) approach. The results of this research show that the Human Development Index, foreign investment, and domestic investment have a positive and significant effect, while capital expenditure, Special Allocation Funds, and General Allocation Funds do not affect development inequality in East Kalimantan Province in 2018-2022
Implications of Advertising, Social Media, Product Quality, and Satisfaction on Intention to Purchase Skintific Skincare Products in Panai Hulu District
No full textThis research aims to analyze Advertising Implications, Social Media, Quality Products, and Satisfaction to Purchase Scientific Skincare Products in the Panai Hulu District. The research method used in this research is quantitative. In this study, the population is an unknown number of Skintific Skincare consumers in the Panai Hulu District. Research samples using incidental sampling techniques are techniques for determining samples based on chance, that is, anyone who happens to meet the researcher can be used as a sample if it is deemed that the person they meet by chance is suitable as a data source. This research uses a non-probability sampling technique because the number of members of the population is unknown, and purposive sampling is the sample determination technique. Because the exact size of the member population is not known, the sample size was calculated using the Cochran formula with a research sample of 96 people. The data collection techniques used were observation, documentation studies, and questionnaires. The analytical method for this research is multiple linear regression with the SPSS program. The research results prove that advertising has a positive and significant effect on product purchase intentions at Skintific Skincare in Panai Hulu District. Social media has a positive and significant effect on product purchase intentions at Skintific Skincare in Panai Hulu District. Product quality has a positive and significant effect on product purchase intentions at Skintific Skincare in Panai Hulu District. Satisfaction has a positive and significant effect on the intention to purchase products at Skintific Skincare in Panai Hulu District. Advertising, Social Media, Product Quality, and Satisfaction simultaneously have a positive and significant effect on the Intention to Purchase Products at Skintific Skincare in Panai Hulu District. The coefficient of determination is 0.639, meaning that Product Purchase Intention can be explained by the variables Advertising (X1), Social Media (X2), Product Quality (X3), and Satisfaction (X4) of 63.9%, while the remaining 36.1% can be explained by the variable others not examined in this study
Effectiveness of Payment System Cash on Delivery (COD) To Businessmen
No full textThe advent of online shopping has revolutionized the way consumers make purchases, offering a diverse range of payment options for goods bought online. This study aims to examine the effectiveness and potential issues arising from the implementation of Cash on Delivery (COD), a widely used payment method. Employing a juridical-empirical approach, the research gathers insights through interviews with individuals and businesses that utilize COD in their online stores. Additionally, it examines relevant laws governing business protection (for both sellers and buyers). The study reveals that business owners perceive COD to be detrimental due to the high incidence of unilateral order cancellations by buyers upon package delivery. In response to these concerns, the research emphasizes the need for regulations that safeguard business interests, as outlined in consumer protection laws
Analysis of the Effect of Work Motivation, Competence, Compensation, Workload, and Discipline on Employee Performance (Case Study at PT. Sumber Segara Primadaya (S2P) Cilacap)
No full textThis research aims to analyze the influence of work motivation, competence, compensation, workload, and work discipline on employee performance in the S2P Cilacap environment. The data collection method used convenience sampling and obtained a sample of 100 respondents. Data were collected using a questionnaire which was analyzed using Structural Equation Modeling (SEM) PLS version 3.2. Testing results show that compensation, work discipline, and workload have a positive effect on employee performance, but competence and motivation have no effect. However, this study has limitations due to its focus on one location and limited sample size. The results of the analysis show that 86.8% of the variation in employee performance can be explained by the factors studied, while the remaining 13.2% are other variables such as self-efficacy, organizational culture, and work environment, as well as expanding the scope of research locations, by conducting research This is expected to provide benefits for the company
The Role of Green Brand Love in Mediating Reliability, Attractiveness, and Informativeness toward Green Customer Citizenship Behavior
No full textThis study examines the mediating role of Green Brand Love in the relationship between Reliability, Attractiveness, and Informativity on Green Customer Citizenship Behavior. The research population consisted of students from the Faculty of Economics and Business at Universitas Muhammadiyah Surakarta and members of the general public who have purchased products or used services at Larissa Aesthetic Center. A quantitative research method was employed, utilizing a survey research design. Data was collected through Google Forms questionnaires to assess respondents' attitudes, beliefs, opinions, characteristics, and behaviors. Structural Equation Modeling (SEM) with Partial Least Squares (PLS) was used for data analysis. The findings indicate significant positive relationships between Reliability, Attractiveness, and Informativity with Green Brand Love, as well as with Green Customer Citizenship Behavior. Moreover, Green Brand Love was found to mediate the relationship between Reliability, Attractiveness, and Informativity with Green Customer Citizenship Behavior. These results underscore the importance of Green Brand Love as a mediator in influencing environmentally friendly consumer behaviors. The study contributes to understanding the interconnectedness of these variables and their impact on consumer behavior towards the environment.Penelitian ini menguji peran mediasi Green Brand Love dalam hubungan antara Keandalan, Daya Tarik, dan Informativitas terhadap Perilaku Green Customer Citizenship. Populasi penelitian terdiri dari mahasiswa Fakultas Ekonomi dan Bisnis di Universitas Muhammadiyah Surakarta dan anggota masyarakat umum yang telah membeli produk atau menggunakan layanan di Larissa Aesthetic Center. Metode penelitian kuantitatif digunakan, dengan desain penelitian survei. Data dikumpulkan melalui kuesioner Google Forms untuk menilai sikap, keyakinan, pendapat, karakteristik, dan perilaku responden. Pemodelan Persamaan Struktural (SEM) dengan Partial Least Squares (PLS) digunakan untuk analisis data. Temuan menunjukkan hubungan positif signifikan antara Keandalan, Daya Tarik, dan Informativitas dengan Green Brand Love, serta dengan Perilaku Green Customer Citizenship. Selain itu, Green Brand Love ditemukan sebagai mediator dalam hubungan antara Keandalan, Daya Tarik, dan Informativitas dengan Perilaku Green Customer Citizenship. Temuan ini menekankan pentingnya Green Brand Love sebagai mediator dalam memengaruhi perilaku konsumen yang ramah lingkungan. Penelitian ini berkontribusi pada pemahaman keterkaitan variabel-variabel ini dan dampaknya pada perilaku konsumen terhadap lingkungan
The Influence of Sustainable Leadership and Business Risk Management on Business Performance Mediated by Business Resilience in Restaurant Businesses in Medan
No full textVarious risks can affect its performance. Restaurant owners and managers face increasingly complex challenges due to changes in the business environment, such as intense competition, market fluctuations, evolving consumer trends, and changing regulations. The purpose of this study is to determine whether sustainable leadership and business risk management impact business performance by enhancing business resilience in restaurant businesses in the city of Medan. The research method used is descriptive quantitative, with a sample size of 50. Data analysis was conducted using Partial Least Square (PLS). The results of the study indicate that sustainable leadership has a positive and significant influence on business resilience. Similarly, risk management also has a positive and significant influence on business resilience. While sustainable leadership positively influences business performance, this effect is not statistically significant. However, risk management has a positive and significant influence on business performance. Business resilience positively and significantly influences business performance, and both sustainable leadership and risk management positively and significantly influence business performance through business resilience as a mediator