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Pengaruh kualitas pelaksanaan Islamic corporate governance dan kompleksitas terhadap frekuensi terjadinya fraud pada perbankan syariah di Indonesia
No full textSharia banking over the last 10 years has shown an increase in the number of
branch office networks, receipts of public funds, distribution of financing and total
assets. This increase is a consequence of the increasing complexity of businesses,
products and operational activities carried out by Sharia banking. The increasing
complexity also increases the risk that must be managed, including the risk of fraud.
Fraud perpetrators can be carried out starting from lower-level guards, managers to
top management or by owners. One of the efforts to prevent fraud is to implement
Good Corporate Governance (GCG) based on sharia principles or Islamic legal
principles, called Islamic Corporate Governance (ICG) with the best quality. The
purpose of this study is to explore the quality of implementation (ICG) in Sharia
commercial banks (BUS) in Indonesia and analyze the effect of the quality of ICG
implementation and bank complexity on the frequency of fraud in BUS in Indonesia.
This study uses a descriptive method with a quantitative approach. The
population in this study were all Indonesian sharia commercial banks based on
banking statistics issued by the Financial Services Authority (OJK) in December
2020, which were 14 BUS, and then selected by the purpose sampling method using
BUS criteria that reported a complete self-assessment report during 2011 – 2020,
which is as many as 10 BUS. The type of data used is secondary data whose data
collection is carried out by online data search methods through website searches.
The data analysis method used panel data regression.
The results of the study showed that the quality of ICG implementation at
BUS during 2011 - 2020 on average had a "good" predicate. The implementation
of ICG in BUS BUKU III is better than BUS BUKU II and BUKU I. The results
also show that the quality of ICG implementation and complexity simultaneously
significantly reduce the frequency of fraud incidents with an explanation rate of
71.04%. While partially, the quality of ICG implementation has a significant effect
on fraud with an estimated coefficient of 1.3251, it means if the composite ICG
value increases (the quality of ICG implementation decreases) by 1 unit, then fraud
will increase by 1.3251 unit. Then, the complexity of the BUS has no effect on the
frequency of fraud with a probability value of 0.1651 > 0.05 (α), it means the
complexity of banks reflected in the category of BUKU 1 banks has the same level
of fraud as BUKU II and III banks
Analisis formulasi strategi pengembangan bisnis virtual gas Pipeline (CNG LNG)
Get PDFThis research has been motivated by the development of a virtual gas pipeline (CNG and LNG) business related to gas demand for the industrial and commercial sectors. It is necessary to further formulate the right strategy so that business development can grow into a business that the corporation can rely on. This happens because until now the company's revenue and profit have not been optimal considering the large business potential of CNG and LNG.
The research objectives to be achieved from this research include: 1) Analyze internal and external factors that affect the performance of the virtual gas pipeline (CNG and LNG) business; 2) Formulating an alternative strategy for the development of virtual gas pipelines (CNG and LNG) and their priority order; and 3) Formulating a virtual gas pipeline (CNG and LNG) business development work program as an elaboration of tactical and operational strategies. This research was conducted at PT Pertagas Niaga which is located at the Head Office on Jalan Jendral Gatot Subroto, South Jakarta. The research time was carried out in August 2019 to September 2020.
The research was conducted through a descriptive method approach with a case study approach. The data used in this study are primary data and secondary data. Structured interviews using a questionnaire to experts as respondents are primary data. Meanwhile, various sources obtained from literature studies, agencies, and other institutions, as well as internet literature, are secondary data. The data and information collection techniques in this study were conducted by means of interviews and questionnaires. Data processing and analysis techniques use descriptive, qualitative, and quantitative with External Factor Evaluation (EFE) Matrix, Internal Factor Evaluation (IFE) Matrix, IE Matrix (Internal-External), SWOT Matrix (Strengths-Weaknesses-Threats-Opportunities), and QSPM (Quantitative Strategic Planning Matrix).
The identification results obtained from the biggest internal strength factor possessed by PT Pertagas Niaga are the good quality of CNG and LNG products. Meanwhile, the weakness factor that needs to be resolved immediately in PT Pertagas Niaga is the internal system in the billing process to consumers. Meanwhile, the results of identification on external factors obtained the greatest opportunity that PT Pertagas Niaga needed to respond to, namely CNG and LNG products that were competitive compared to LPG and BBM (fuel and LPG prices fluctuated and were expensive). Meanwhile, the biggest threat that PT Pertagas Niaga needs to deal with is the low collectability level in consumer billing.
Based on the results of the IE Matrix analysis and the results of the SWOT analysis, it recommends alternative strategies, namely Market Penetration Strategy, Market Development Strategy, and Product Development Strategy. The recommendation for priority business strategies for PT Pertagas Niaga is based on the QSPM (Quantitave Strategy Planning Matrix) approach, namely Market Penetration Strategy as the top priority, Market Development Strategy as the second priority, and Product Development Strategy as the third priority.
The researcher suggests that Pertagas Niaga can provide good service and is different from its competitors, so that PT Pertagas Niaga products, especially gas pipelines, can be of interest to consumers. PT Pertagas Niaga can look for new (upstream) gas producers because PP number 79 of 2014 targets to increase the use of gas energy, which was originally around 20% in 2014 to be increased to 25% -30% in 2025-2050. This is an opportunity for PT. Pertagas Niaga increased sales due to government support
Faktor-faktor yang mempengaruhi minat Institusi Pendidikan dalam menerapkan sistem pembayaran online (studi kasus: PT Infradigital Nusantara)
Get PDFThe growth of financial technology is increasing very rapidly, followed by
the number of players in this industry. However, society’s digital literacy still needs
to be developed. PT Infra Digital Nusantara is one of financial technology start-up
that focuses on online payment transactions in the education sector. Offering the
financial system, especially online payment to an education institution, yet PT IDN
is still struggling to gain new customers.
This study aims to determine the factors that affect the level of technology
acceptance by educational institutions for the services offered by PT IDN. The
questionnaire was distributed to 82 respondents using purposive sampling
technique. The method of analysis in this study uses the Structural Equation Model
(SEM) with the Partial Least Square (PLS) approach to analyze factors that
affecting the level of technology acceptance.
The results of this study showed that the latent variable perceived ease of use
of technology had a significant effect on the perceived usefulness of the technology.
The perceived usefulness variable of technology also has a significant effect on the
attitude toward technology acceptance, while the perceived ease of use of
technology had no significant effect on the attitude toward technology acceptance.
The variable perceived usefulness of technology also has a significant effect on the
intention to use technology, as well as the variable of attitude towards technology
acceptance also has a significant effect on the intention to use technology.
Furthermore, the intention to use technology has a significant effect on the actual
system use. Therefore, the perception of the usefulness of technology, perception
of the ease of use of technology, and the attitude toward technology acceptance, as
the main factors in the acceptance of technology, need to be maintained and to be
constantly improved
Strategi pengelolaan barang milik negara untuk peningkatan PNBP universitas Andalas
No full textAndalas University (UNAND) is designated as a PK-BLU institution to
have flexibility in managing finances sourced from PNBP. However, what
happened at UNAND, BMN management that has been running so far is still not
done properly. The contribution of income resulting from cooperation between
institutions and business entities is still very low, and the discovery of several
assets or state-owned goods that were damaged, lost or moved around. The
objectives of this study were (1) assessing the process of managing state property
at Andalas University, (2) analyzing internal and external factors in the
management of BMN at UNAND to increase PNBP and (3) analyzing strategies
in the management of BMN at UNAND to increase PNBP .
The data used are primary data from questionnaires and interviews and
secondary data from literature studies and literature reviews. The sampling
technique used purposive sampling. The sample used was 44 state property
managers at Andalas University. The data analysis used in this research is
descriptive analysis, SWOT and QSPM.
The results showed that the processes of planning and budgeting, utilization,
security and maintenance, destruction, removal and development, supervision and
control of state property were not good. The right strategy to be implemented is a
development and development strategy. The main strategy for managing state
property in order to increase non-tax owned state revenue at Andalas University is
to improve the quality of BMN management human resources and compensation /
rewards for BMN managers by providing training / training for BMN
management, providing BMN management workshops, educational scholarships,
awarding / compensation to employees and increase the potential of BMN, both
unused and excessive (idle)
Strategi pengembangan model bisnis UMK Frozen food di era New Normal (studi kasus: CV XYZ)
No full textMicro, Small, and Medium Enterprises (MSMEs) are business units with an important role in the national economy. The advantage ofMSMEs as a business unit is that they produce consumer goods and services that are close to the community's needs. In early 2020, Indonesians received news about the coronavirus. The Covid-19 pandemic has impacted the Indonesian economy, includingMicro, Small, andMedium Enterprises (MSMEs). The objectives of this study are (1) to identify potential and relevant problems, (2) to design a business model for the development of CV XYZ (3) to identify internal and external factors that influence the company's business model,
(4) to create a CV XYZ business innovation model with 360° Business Model Innovation.
The type of data used in this study consisted of primary data and secondary data. Primary data were obtained through observation, interviews with experts such as the Office of Cooperatives and SMEs in the City of Bogor, the Office of Agriculture in the City of Bogor. Secondary data is obtained by accessing information/data from relevant agencies such as BPS, Ministry of Cooperatives, Ministry of Small and Medium Enterprises, and other data sources relevant to research topics such as scientific journals, books, government publications, etc. The data collection method begins with observation through direct observation and systematic recording. Then, interviews were conducted by immediate question and answer between the researcher and the resource person. The resource persons in this study were selected considering that they are competent stakeholders in their fields. Finally, FGD through group discussions to obtain interaction of the resulting data and depth of information regarding various aspects of a phenomenon.
Research shows that there are improvements to some elements of the business model canvas that need to be re-engineered to optimize complex resources for business sustainability. The business model serves as a tool that can describe the condition of a business. The SWOT analysis results to map the company in quadrant 1, namely its high market growth and a strong competitive position, so the company needs to improve its business model through 360° business innovation model analysis. The model is used to help see the process of business activities starting from value creation upstream to becoming core competencies downstream of a business process
Analisis Risiko dan evaluasi strategi retakaful treaty asuransi properi pada perusahaan asuransi umum syariah di Indonesia
No full textReinsurance sharia or known as the Retakaful is "The risk management
business based on sharia principles for the risks faced by the sharia general
insurance companies". Sharia general insurance companies need to reinsure the risk
accumulation for the risk sharing services they receive from the insurance
participants, especially for catastrophic risks. For this reason, a Retakaful treaty
program is needed. So that if there is a claim that exceeds the the sharia general
insurance company’s retention, they can obtain the claim recovery from the
reinsurers.
Based on the description of the Retakaful business process scheme there is a
slight difference between conventional reinsurance practice with Retakaful namely:
that in the Retakaful, the reinsurance mechanism is called as a risk sharing so in the
risk management, the sharia insurance company as the ceding company must share
the wakalah fee to the sharia reinsurance company. Whereas in the conventional
reinsurance, the mechanism is called as a risk transfer. The conventional
reinsurance company will instead give a reinsurance commission to the insurance
company that has given its business. In determining the Retakaful treaty program
such as: Quota share, Surplus or Excess of Loss, the reinsured must consider its
retention capacity and calculate the capital to bear the risk. Sharia general insurance
companies must also pay attention to the level of liability aggregation of the amount
of risk received that is exposed to the same potential loss. From the results of the
implementation of the Property Insurance Retakaful treaty program, there are
problems, solutions and actions in view of both underwriting and claim handling
aspects.
The risks covered in the retakaful treaty namely FLEXAS are analyzed using
the Risk Management standard ISO 31000 – 2009 framework. The result are: the
Fire risk (F) due to the short circuit having a risk score of 4 or Low, while other
risks (LEXAS) such as: Lightning, Explosions, Aircraft Fall and Smoke score 1 or
Acceptable. The risk treatment for FLEXAS low and acceptable risk assessment
criteria can be mitigated in the form of adequate control.
This research also evaluate the existing strategy of the company in respect of
optimizing the Retakaful treaty of Property Insurance. The results of the alternative
strategy is Progressive (in quadrant I SWOT analysis) where as it is possible to
continue to expand, increase growth and achieve maximum progress. The strategy
in accordance with the results of the analysis of the company's position is Growth
and Build (in quadrant II IE Matrix). The suitable strategies are: intensive, forward,
backward and horizontal integration. The company's priority strategy namely:
Product Development, Market Development and Market Penetration (using QSPM
Matrix)
Strategi penyediaan energi listrik untuk ekspansi operasi PT Freeport Indonesia
No full textEfforts to optimize and develop production to pursue PTFI's production
deficit due to the end of the Grasberg open pit mine operation in 2019, are now
being carried out more intensively. PTFI is now focusing on plans to develop
underground mines and optimize processing plants. In the plan, it is projected that
there will be an increase in the need for electrical power from year to year, until the
peak load reaches 374.8 MW in 2033. To anticipate the increasing demand for
electricity, PTFI is preparing to build a new power generation facility in the
lowlands that will be managed independently. The selection of the right type of new
power plant is a very critical stage in this plan, because it will greatly determine the
sustainability of electricity supply operations in the future. The uniqueness,
characteristics, and many other things that must be considered by PTFI, become a
salient issue in determining the type of new power plant.
The purpose of this research are; (1) determine the most important factors that
need to be considered by PTFI in the construction of new power generation unit,
(2) provide recommendations for the best type of power plant that Management can
choose to build, in order to meet PTFI's increasing operational power requirements.
This research was conducted from December 2020 to April 2021, by
collecting all the most important factors for consideration in the construction of a
new power plant unit obtained from seven experts. From the results of the expert
interview, 28 factors that were most important to consider in the construction of a
new power plant at PTFI were identified. These factors are then ranked through a
questionnaire to 16 respondents, and the top four factors are obtained with each of
the three sub-factors, which are then processed using the Analytical Hierarchy
Process method based on the opinion of the experts.
The results of the study obtained four important considerations for the
construction of PTFI's new power plant are; (1) suitability with existing power
generation facilities, (2) sustainable availability of fuel / energy sources, (3)
environmental risk (waste management), and (3) conformity with the company's
strategic direction. The four most important sub factors are; (1) support from
government policies, (2) availability of facilities & human resources (HR) for
processing / disposal of internal waste (3) suitability of operational characteristics,
and (4) conformity with PTFI's load demand forecast. The alternative type of power
plant that is most suitable to be built based on these factors and sub-factors is Gas
Engine Power Plant (dual fuel)
Strategi Keberlanjutan Bisnis Marikultur di Kepulauan Seribu
Get PDFMarine culture is an alternative job for communites in the Kepulauan Seribu
to fulfill their economic needs. The geographic location of the Kepulauan Seribu
which consists of small islands supports the management of this business activity.
One of the main commodities is the hybrid grouper, which is the result of a cross
between tiger grouper Epinephelus fuscoguttatus and giant grouper Epinephelus
lanceolatus. The use of hybrid grouper input is a solution to fish farmers’ society
complaints about the long harvest period due to the use of non-hybrid grouper such
as tiger grouper and humpback groupers. This study aims to analyze the production
and investment feasibility of using hybrid grouper input and formulate several
alternative strategies for the sustainability of the marine culture business in the
Kepulauan Seribu.
The data analysis method used is the Cobb-Douglas model to estimate the
production input used and production optimization, the Stochastic Frontier
Analysis model to estimate the risk from the use of production inputs, and financial
and non-financial analyzes to assess the feasibility of the investment business.
Furthermore, from the results of the analysis, the points of alternative strategies
using the blue ocean strategy are formulated.
Based on the results of the production estimation, the use of seed input, KJA,
rearing period, and labor has an effect in increasing the production of hybrid
grouper in the Kepulauan Seribu. The elasticity value of the use of these inputs is
1.489 which shows that the business is located in an irrational area (RTS > 1) so
that it can still be increased or reduced for the use of its input to be in an optimal
area. The results of the optimization show that the variable seed input and rearing
period need to be increased, while work and labor need to be reduced for optimal
production. Based on the estimation of risk, the inputs used for the variables of seed,
maintenance period, and labor reduce risk and KJA increases risk. The business
feasibility analysis is divided into three clusters. The first cluster has an NPV value
of Rp 9,101,233,927; IRR 122 percent; Net B/C 3.9; PP 3.2 years, the second cluster
NPV Rp 2,937,119,206; IRR 127 percent; Net B/C 4; PP 3 years, and the third
cluster NPV Rp 2,189,009,750; IRR 107 percent; Net B/C 3.4; PP 3.7 years. The
formulation of the resulting alternative strategy is to reduce used of KJA, eliminate
the use of non-hybrid grouper input, raise the number of input for hybrid grouper
and investors, and create market integration and online market
Pengaruh Personality dan Promosi terhadap Keputusan Pembelian Anggota Zomato Gold dengan Pendekatan Model AISAS
Get PDFThe development of the internet of things (IoT) is widely used by
companies from various sectors and scales to develop their company's business.
IoT is widely used for marketing strategies for products or services that
companies offer. The use of IoT for marketing through internet media is called
digital marketing. Digital marketing media that are often used are websites, email,
platforms, and social media. An essential element in digital marketing is digital
assets such as reviews from consumers, which is a form of electronic word of
mouth (eWOM). eWOM can influence consumer purchasing decisions because
most consumers trust friends, family, or followers more than advertisements and
expert opinions.
This trend has contributed to the growth of communal rating systems such
as Tripadvisor and Zomato. Zomato is a platform originating from India and has
been present in Indonesia since 2013 as a reference for people to find restaurant
information. Zomato in 2018 offers paid members called Zomato Gold, with
benefits offered 1 + 1 for food and 2 + 2 for drinks at restaurants that work with
zomato gold. Zomato uses a lot of social media, especially Instagram, to promote
zomato gold.
Apart from external factors, purchasing decisions are also influenced by
internal factors, one of which is personality, in this study using the Myers-Briggs
Type Indicator (MBTI) personality. MBTI focuses on attention, acceptance of
information, making decisions, and interacting with the external environment.
The development of IoT also influences changes in consumer behavior in
the purchasing decision stage. It is very relevant to the marketing communication
model developed from the impact of IoT development, namely the AISAS model
(Attention, Interest, Search, Action, Share).
The problems experienced by zomato, since the launch, the number of
zomato gold memberships have not increased significantly, and every day the use
of zomato gold benefits is only 4 percent of the total zomato gold members. So
this research needs to be done to determine whether the effectiveness of
promotion and internal factors (personality) influence the purchasing decisions of
zomato gold members using the AISAS model approach.
The data were obtained by giving the MBTI personality test and
questionnaire to respondents online via email and social media. The number of
respondents obtained in this study was 180 people. Data analysis is used with
descriptive analysis to show respondents' characteristics and analysis of the
relationship between variables using Structural Equation Modeling.
This study indicates that the personality variable significantly affects two,
namely the interest variable and the shared variable. The personality that has an
interest is an extrovert and thinking personality. A personality who likes to share
information, recommend and share experiences is an extrovert and intuition
personality.
The promotion variable only has a significant effect on the attention
variable, and promotional advertising for the benefit of 1 + 1 food attracts zomato
gold members' attention. The AISAS model stages that have a significant effect
are the interest variable on the search variable, the search variable for the action
variable, and the shared variable's action.
This study concludes that personality and promotion do not significantly
affect purchasing decisions with the AISAS model approach. Hence, zomato
needs to carry out promotions with content tailored to the target market's
personality and consider upload time on social media. Zomato also needs to
increase the attention of zomato gold members to promotional advertisements;
with increased attention, zomato gold members' interest will increase and will
affect other AISAS stages, namely search, action, and share. Writing ratings and
reviews need to be improved because the main factors in the purchasing decisions
of zomato gold members are restaurant ratings and reviews. The most significant
active zomato users are the younger generation; zomato needs to maximize social
media, which is currently in demand by the younger generation to carry out
promotions. The social media widely used by the younger generation is
Instagram, and zomato has many followers on Instagram accounts
Deposan Inti dan Faktor-Faktor yang Mempengaruhinya: Perbandingan Bank Syariah dan Bank Konvensional
Get PDFIslamic banking grows promisingly in line an increase public confidence
in Islamic business and economy. Even though there is an increase in terms of
assets, financing and deposits, there has been a slowdown in business growth in
the last five years, due to (i) the high cost of funds, (ii) low public understanding
and awareness so that Islamic bank depositors are only dominated by certain
group or categories commonly called core depositors, (iii) the behaviors of core
depositors which: (a) tend to carry out displaced commercial risk, (b) may
withdraw funds or disbursement of deposits at any time, (c) have two or more
accounts (conventional and Islamic banks) in order to transfer funds among banks.
In fact, financial crisis, inflation and economic growth are believed influencing
such depositors behaviors in placing their funds in banks.
In addition, the problem of core depositors behaviors could also cause
liquidity imbalance in banks which is dominated by short-term funding with
longer term financing tenors. These conditions must be the focus of banks to
mitigate liquidity risks in order to increase profitability and business performance.
This study aims to compare the sensitivity of core depositors in both
Islamic and conventional banks, by: (1) analyzing factors affecting the sensitivity
of core depositors of both Islamic and conventional banks, (2) identifying effects
of core depositors to the liquidity risk management of both Islamic and
conventional banks, (3) improving strategies in increasing bank liquidity to be an
early warning indicator to predict liquidity pressures coming from less sensitive
core depositors. The method used is a dynamic model called Autoregressive
Distributed Lag (ARDL) model by using secondary data (time series from 2013-
2018).
The results showed that core depositors of Islamic banks were more
sensitive to the performance of Capital Adequacy Ratio (CAR) with a significant
positive effect of 6.04%. Meanwhile, macroeconomic factors namely Repo Rate
(RRA) and Foreign Exchange (FEX) were responded negatively with significant
negative effects of 50.46% and 0.1% by core depositors. In contrast with Islamic
bank core depositors of behaviors, core depositors of the conventional banks were
more sensitive to Loan to Deposit Ratio (LDR) indicating the bank‟s performance
with a significant negative effect of 11.82%, and responded positively with Repo
Rate (RRA) representing macroeconomic indicators with a positive effect of
78.45%.
Causality Granger test result which identifies the effect of core depositors
to liquidity risk through the Financial to Deposit Ratio (FDR), showed no
causality correlation between FDR to core depositors in Islamic banks. However,
different conditions were found in the conventional bank one in which causal
relationship between Loan to Deposit Ratio (LDR) to core depositors did exist and
vice versa. This fact is influenced by the stable number of core depositors, while
the number of loans increases with the Loan to Deposit Ratio (LDR) average
more than 90%