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Pengukuran risiko operasional pada bank syariah indonesia (studi kasus: bank syaiah xyz)
Get PDFIn contrast to credit risk and market risk, operational risk Islamic banks in addition to the unique characteristics resulting from business activities with the dimensions of a vast and complex as the source of risk is a combination of various sources, both people, systems and technology, processes and policies, external factors, as well as exposed Sharia Non-Compliance Risk, Risk Fiducia, People Risk and Legal Risk. Human factors and systems as widely discussed in the literature and previous research is the most influential factor in the loss of Islamic banking operations.
The use of the Basic Indicator Approach which is a standard model for measuring operational risk besides not describe the profile or potential operational risk in accurately, it also resulted the calculation of capital charge that is greater than the internal model. Capital charge that is too large and sometimes unrealistic, would be burdensome Islamic bank xyz because it can reduce the ability to expand their business. Plus, because of the standard model produces an inaccurate of the risk profile, it can cause errors in decision making related to operational risk management of Islamic banks xyz.
Islamic banks xyz is one of the great assets of Islamic banks and widest service network in Indonesia. Simulation calculation of operational risk Islamic banks xyz using the Basic Indicator Approach generate capital charge for operational risk at the end of 2015 amounted to Rp. 343.50 billion. This thesis aims to analyze the types of events with the biggest loss, estimating the probabilty of operational loss events and quantify efficiency of the operational risk capital charges using Loss Distribution Approach - Aggregate models. Calculation of the potential operational risk loss Islamic banks xyz used by calculating Operational Value at Risk (OpVaR).
The research method uses quantitative methods derived from secondary data loss and operational audit findings period January 1, 2013 to June 30, 2016. In applying the method of LDA-Aggregate operational risk measurement requires operational loss data history at least three years. Operational loss data at diversifying into data frequency and severity. The distribution of the data to test the Goodness of Fit (GoF). Distribution fit obtained merger (aggregate) and Monte Carlo simulation to calculate the Operational Value at Risk (OpVaR). The results showed three types of events that bigt contribute to the operating loss is a Business Disruption and System Failures; Execution, Delivery and Process Management; and Internal Fraud. Systems and humans as the dominant cause of the loss of Islamic banking operations as many written in previous studies shown to occur in Islamic banks xyz.
With a confidence level of 99.9% is used, meaning that with a probability of 99.9% maximum operational risk loss due to Business Disruption and System Failures facing Islamic banks xyz for 1 year ahead amounted Rp.128,33 billion with the mean frequency average monthly 18 times.
The resulting capital charge is equal to the value OpVaR with a confidence level of 99.9% amounted Rp.280.661.798.132.
Thus, the calculation of operational risks of Islamic banks xyz using LDA-Aggregate method produces a lower capital charge than the use of the Basic Indicator Approach. Lower capital charge implies allocation of capital needed to cover operational risk become more efficient. This resulted in a wider opportunity for Islamic banks xyz to expand and develop business strategies. In addition, an overview of operational risk given by LDA-Aggregate method would be more accurate because the calculation using operational risk loss data Islamic banks xyz are more relevant than the gross income.
The backtesting results on the estimating for OpVar calculated with LDA-Aggregate method for the seventh event types were acccepted, which means that the model is feasible So, it can be concluded that the Loss Distribution Approach - Aggregate method can be used as an alternative method for measuring operational risk Islamic banks xyz
Aplikasi theory of planned behavior pada analisis perilaku konsumen udang
Get PDFBased on Theory of Planned Behavior (TPB) (Ajzen 1991), the formation of consumer attitudes will shape a person's intention to perform or not to perform an action. Thus, consumption behavior is indirectly predictable through behavioral intentions. Seeing that shrimp commodity is a potential commodity, it is necessary to study about consumer behavior of shrimp in Indonesia by using approach of Theory of Planned Behavior. Besides, it is expected to realize the improvement of people's welfare, especially fishermen, cultivators, processors and marketing of fishery products through an increase in average consumption of shrimp.
Shrimp is one of healthy food with a relatively high protein content, about 21%. Shrimp protein values are categorized as complete protein because of its high amino acid content, complete profiles, about 85 - 95% easily digested by the body and contribute about 87% of total energy (Dayal et al. 2013).
With the abundance of shrimp production in Indonesia, it shows that shrimp market opportunity is still wide open, especially for domestic market. Successful growth of capture fishery and cultivation can contribute significantly to the future of food security and nutrition and the needs of Indonesia's economic development. Answering the challenge of business and government targets in raising fishery products of Indonesia hence the importance of conducting research on consumer behavior analysis of shrimp.
Shrimp consumption behavior in Indonesia has not been thoroughly researched. There is no approach to shrimp consumers directly. Understanding consumer behavior towards shrimp is very important for producers and government in order to help government program that is GEMARIKAN. Therefore, in this study conducted a consumer behavior analysis of shrimp to determine interest in shrimp consumption in Indonesia by using The Theory of Planned Behavior (TPB). The design of this study using data collection methods conducted descriptively by survey method. The survey was conducted by giving questions to respondents by using questionnaires as an instrument of data collection from a population. The questionnaire was made by using Ajzen (1991) reference on the way of questionnaire making with TPB approach. The data needed in this research is primary data and secondary data. These data are qualitative and quantitative data. Data collection from respondents is done through interviews with structured questionnaire guidelines (structure questionaire). The types of questions used are closed and open questions. Some questions in the questionnaire were made on a scale (scaled response question). Scaling technique used is likert for processing with SEM analysis. The number of respondents used in this study is as many as 120 people. Various characteristics of respondents such as demographic, social, economic and consumer characteristics of respondents have been studied in this study.
Based on the results of data processing about the characteristics of respondents who consume shrimp, there are 58.3% of respondents <30 years old. Female respondents were seen more in consuming shrimp, which is as much as
60% when compared with men. As many as 55.83% of respondents are married. The result of the analysis of model theory of planned behavior toward shrimp consumer behavior shows that there is a direct significant influence on intention is subjective norms. The influence of Government in GEMARIKAN program was found to increase the respondent's intention to consume shrimp. Other factors such as family, friends, and relatives also have an influence. This indicates that the acceptable hypothesis is H2 where subjective norms affect the interest to consume shrimp
Pengaruh gaya kepemimpinan, budaya organisasi, dan kompensasi terhadap keterlekatan karyawan di seameo recfon
Get PDFEmployee Engagement is a recent issue for human resource management. It was create a high turnover at SEAMEO RECFON. The availability of human resources (HR) is an important factor for the quality of food and nutrition services to Southeast Asia. In other hand, SEAMEO RECFON should have a good HR in carrying out education, research, and community development. Regional studies Center can be categorized as a high turnover that is 20 percent per year. It can be categorized as a high turnover rate. This a research related to the influence analysis of leadership styles, organizational culture and compensation toward employee engagement.
This research using a quantitative descriptive method that gives an overview for such events or symptoms at any given point by using statistical tools with a survey conducted in SEAMEO RECFON and the respondents are all employees who are in SEAMEO RECFON Jakarta. Processing techniques and data analysis in this research is quantitative descriptive analysis. Structural Equation Modeling (SEM) used as an alternative method with variance based or component-based SEM-called Partial Least Square (PLS) was u sing Smart PLS software version 3.0.
Based on the research results of leadership style has the greatest influence in making employee engagement. In addition, the compensation also have an important role. Organizational culture influences the engagement, but not significantly. Furthermore, it should be improved to the existing organizational culture that capable to be a factor in the SEAMEO RECFON to develop the employee engagement
Analisis reaksi pasar terhadap pengumuman stock split di bursa efek indonesia
Get PDFThe capital market has a strategic role for the Indonesian economy, where the capital market is a place for the company to get funding and also as a place for investment activities. Thus the capital markets facilitate various facilities and infrastructure of buying and selling activities and other related activities. The Indonesian capital market has been growing rapidly since it was reopened in 1977. The value of stock trading in Indonesia capital market has now reached 1,400 - 1,500 trillion Rupiah per year. There is fluctuation in the value of stock trading in Indonesia Stock Exchange within the last 5 years, where the stock trading value is related to the volume of stock trading.
Companies that have registered in a stock market perform various activities to develop the company, the activity is known as coorporate action. Corporate action is news that generally attracts the attention of stakeholders in the capital market, especially shareholders. Corporate action aims to increase corporate capital, improve stock trading liquidity, or other corporate objectives. Stock split is one of corporate action that can affect the movement of the stock market and cause fluctuations in stock prices. Top Management of listed company sees and analyzes investors behavior, where the results of this analysis of behavior is a basic step for the listed companies to make a policy or annouce a corporate action.
This research uses event study method. Variabel of market reaction used in this research is average of abnormal return and trading volume activity. Data are collected from Indonesia Stock Exchange (IDX). The data used to calculate abnormal return consists of daily closing price for companies announced stock split and also daily closing price of Jakarta Composite Index in 2007 - 2015. The data used to calculate trading volume activity is daily trading volume data from companies annouced stock split in 2007 until 2015.
The result of the research shows that: (1) The implementation of stock split gives a varied impact on the performance of each stock. The announcement of stock split has more significant impact on the abnormal return of stock after the announcement was made by the company and the most abnormal return is positive abnormal return. (2) However, the majority of stock trading volume of companies announced stock split policy has no significant difference in each event window, its indicating that stock split action in Indonesia does not cause a change in the level of stock liquidity. Through the analysis elasticity of stock trading volume, found that the relationship between the stock trading volume of companies that annouced stock split policy has a negative relationship with their stock prices, this is in line with the existing theory of stock split policies, the theory said that stock split is using price reduction as an instrument to create an increment of volume of stock trading, but based on the analysis of the elasticity of stock trading volume against the price found that the elasticity value is less than one or in other words the type of elasticity is inelastic, it indicates that 1 % changes in stock price will
be followed by changes in the volume of stock trading less than the declining of stock price. This study concludes that stock split have an impact on changes in abnormal returns but have no impact on changes in stock trading volumes
Analisis pengaruh persepsi nilai dan kualitas layanan terhadap kepuasan dan loyalitas konsumen whynot coffee bogor
Get PDFCoffee is a prime tropical commodity traded worldwide by contributing half of total exports of tropical commodities. The popularity of coffee is primarily due to its unique taste and support of historical factors, traditions, social and economic interests (Ayeglin et al. 2013). Coffee is a natural source of caffeine compounds that have the benefits of enhancing alertness and tiredness. In 2013, Indonesia is the third largest coffee producer in the world. Indonesia is famous for its variety of specialty coffee, such as gayo coffee, lintong coffee and Toraja coffee. The uniqueness of taste and aroma make Indonesia has a great chance to increase its coffee trade in the world. Coffee consumption in 2014 based on SUSENAS conducted by BPS reached 1.35 kg / capita
One of the growing cafe in Bogor city is coffee shop. Coffee shop is defined as a place that provides food and beverage products along with other entertainment. Coffee shops not only provide benefits for owners and job seekers, coffee lovers who regularly visit the coffee shop assume there are many benefits when they make their visits. They consider his visit as a gathering place, socializing, dating, brainstorming, expanding the network and also doing business.
Whynot Coffee is one of the coffee shop in Bogor with competitors such as Starbucks, Coffee Toffee, Old Town and others. The number of Whynot Coffee visitors each month can not meet the targets set by management. The number of monthly visitors is still below the management target. The condition shows that Whynot Coffee has not been able to reach their customer. Increasing and maintain the number of visitors need to be done by Whynot Coffee in order to compete with other coffee shop in the Bogor.
Therefore, this study aims to measure customer satisfaction and loyalty Whynot Coffee Bogor based on the perceived value and quality of service. So this research is expected to provide information for Whynot Coffee about the level of customer satisfaction and loyalty. This research uses Structural Equation Modeling method. Structural Equation Modeling method can analyze multivariate simultaneously. While the purpose of using multivariate techniques is to expand the ability to explain the variables studied and to achieve statistical efficiency.
Based on the results obtained from the analysis of Structural Equation Modeling, the overall customer satisfaction index yields a percentage value of 83.42%. This condition explains that the majority of Whynot Coffee customers is very satisfied with the service and perceived value. The utilitarian value variable and assurance variable significantly influence the creation of Whynot Coffee customer satisfaction. Customer satisfaction directly has a significant influence on the creation of Whynot Coffee customer loyalty, the higher the level of satisfaction will be more loyal
Analisis pengembangan model bisnis properti pt hasta raya utama
Get PDFProperty growth in Indonesia is growing rapidly. Indonesia experienced a high acceleration of industrial property, while the developed world is experiencing a delay in the sector of the property industry. PT Hasta Raya Utama is a development company that is engaged in property. As a new player in the real estate business, PT Hasta Raya Utama should have the right business model and can be relied upon to continue to grow and achieve the company's objectives. Thus, in achieve its goal, PT Hasta Raya Utama requires preparation strategy short term, medium term and long term that will be applied thoroughly and planned with the main focus on the development or expansion and marketable products. The business model is a blueprint for a strategy that is implemented through organizational structures, processes, and systems. The business model is used as a means of comparison of other business models in order to identify strategic differences that can provide a competitive advantage. On the canvas there are 9 sections of business models that include from four main things in business, namely consumers, products offered, infrastructure, and financial feasibility. As a suggestion to improve the business model, there are two alternative business models include the concept of partnership via the agency and combined concept beginning with the improvement of customer segments and value propositions as well as the addition of online sales concept. The concept focuses on the expansion promotional agencies and reach customer segments in the Greater Jakarta area. The advantages of this concept, namely the promotion of massive and spacious due to the involvement of other distributor. The weakness of this concept is its huge costs for promotion and should support the agency to be able to sell wel
Pengaruh bauran pemasaran terhadap keputusan pembelian produk furnitur di furnimart bogor
Get PDFThe increasing economic growth of Bogor City which is marked by the construction of hotels, houses, apartments, and offices implicates the increasing demand for the furniture products. However, this growth has no implications for Furnimart's store, especially its revenue, as a modern furniture store in Bogor City. This can be demonstrated by decreasing number of visitor and sales 2012 until 2016. The purpose of this study is to analyze consumer perceptions of marketing mix in Furnimart Bogor, analyze the influence of marketing mix to purchase decision in Furnimart Bogor, and formulate strategies to increase consumer purchases at Furnimart.
The data from respondents were collected through interviews with a structured questionnaire guide (structure questionnaire). The types of question used were closed and open questions. Some questions in the questionnaire were scale based (scaled response question). Scaling technique used was Likert scale in which respondents are required to choose one of the Likert scales with five variations of the answer with the order of very disagree to very agree. The data were processed using descriptive analysis and SEM LISREL version 8.72.
The result of the research showed that consumer perceptions of the marketing mix consisting of product, consumer furnimart stated 75.83 percent that the design of the product is good, 79.83 percent of the product is complete and the product quality is good as much as 75.00 percent, for the consumer price stated that the price competes as much 60.50 percent, the discount price is 57.98 percent profitable and easy payment method as much as 59.66 percent. Most respondents viewed the location of the Furnimart store easily accessible and fast delivery for the purchased product. While the promotion offered attractive and appropriate market segmentation as much as 75.63 percent, friendly SPG service as much as 72.27 percent and responsive to any consumer complaints sdebanyak 61.54 percent.
The result of SEM analysis shows that the components of the marketing mix that most influence the purchase decisions of furniture products by consumers are price and promotion while the product and location have no significant effect. This is seen from the t-value of two variables that are more than standard t-arithmetic of = 1.96. The t-value of the price is 3.98 and for the promotional variable the t-value is 2.09.
Furnimart should be take priority strategy in terms of price and promotional activities. For the price that is by providing the selling price of the product with the price of killer price for several product categories, discounted prices for discontinued and slowmoving products as well as adding leasing partners. For promotional activities by building customer data base, e-catalog as well as training product knowledge continuously to the SPG/SA
Analisis model bisnis ekowisata taman pesisir penyu pantai pangumbahan, kabupaten sukabumi
Get PDFDevelopment of transportation means in this day and age is very high, one of them being the automotive field.The growth of motor vehicles in the period of five years reached 9.93% per year.Since 2001 the lubricant market in Indonesia has opened as Republic of Indonesia Presidential Decree No. 21 Year 2001 was released, private Private business entities can open to market their lubricants in Indonesia.
Retailer growth is very rapid every year, with an average of 17.57percent per year. The retailer is the last link in a product distribution process, so it is necessary to know how effective the role of retailers in the buying decision of Motul products.In the last 3 years, Motul lubricant seller retailers in Jabodetabek region experienced decline in sales as low as 57%, lower than in 2014 which was 64%. In 2013 Motul sales are relatively high compared to 2014-2015, reaching 80%.
The purpose of this research is Analyzing retailers’ perception of marketing mixture and buying decision and than the relationship between the variables and formulating strategies to increase sales of Motul oil products. The research is using primary data obtained from interview with questionnaire to retailer.Total respondents is 125 retailers.
The results show product, distribution, and promotion have a significant influence effect on buying decision with the distribution as the most dominant variable. While the price variable isn’t influence effect on buying decision. The retailers’ perception of the marketing mix and buying decision of Motul product is good, but the sales strangely continue to decline. This may due to either the retailers’ perception toward competitor products is even better than Motul products, or the end consumers of lubricant may not follow the recommendations of retailers
Pengaruh kebijakan pemerintah dalam penurunan suku bunga kur mikro terhadap migrasi kredit non kur bank xyz
Get PDFThe role of banks in economic development is to channel funds of them in the form of credit for UMKM. In an effort to increase the real sector and poverty alleviation and empowerment of UMKM, the Government makes economic policy on the reduction of the interest rate of People's Business loan (KUR) into single digits. The micro rate is initially stable at 22% interest rate later in 2015 down to 12%. The government then reduced it back to 9% in 2016.
XYZ Bank as one of the banks that focus business on UMKM and bank for micro credit lending, so the effect of interest rate change will be felt in XYZ bank both in the amount of distribution and the number of micro credit creditors. With the change of interest rate policy, the debtor will switch to credit scheme with low interest. This will lead a migration form Non-KUR debtor to KUR Mikro debtor, both in term of outsanding and number of outstanding for instance.
Base on the research that Regional offices that have outstanding migration and the smallest debtors are the Jayapura regional office whereas the regional offices that have the oustanding migration and the largest debtors are the Bandung regional office.
Independent variable of KUR Micro loan interest rate, Non-KUR loan interest rate, KUR Micro loan migration proportion as well as dummy variable affecting outstanding migration and KUR Micro loan debtors with variation level of 0.998% and 0.989%. The increase in Non-KUR interest rate has a real effect on the migration of outstanding and KUR Micro loan borrowers, this happens because the ceiling given by the bank is different between micro and Non-KUR loan credit. KUR Micro loan interest rates and proportional migration of KUR Micro loan are directly proportional to outstanding migration and KUR Micro loan debtors.
The policy implications can be suggested is a bank should anticipate the decrease of the interest rate of the micro curve in order to avoid too many outstanding migrants and debtors. Other factors beyond the interest rate should be management priority in maintaining the retention rate and the acquisition of Non-KUR loan debtors. The proportionate increase of migration has a significant effect on the outstanding migration and the number of debtors so banks need to create innovative products that can maintain the consistency of non-credit debtors
Peran tenaga kependidikan dalam pengembangan unit pendidikan unggulan fakultas peternakan institut pertanian bogor
Get PDFEducational staff (Tendik) a strategic role holder in the effort of character building and improving human resource quality, considering that in this globalization era, global competition is getting tighter due to the rapid progress of science and technology (IPTEK). The development of science and technology is a challenge for Tendik, because it is required to follow the rate of its development. Through management mechanisms that include the managerial system, guidance and development of education personnel in support, implementation of the Tridharma Higher Education (Education, Research and Community Service). In achieving the Superior Units in the Faculty of Animal Husbandry (Fapet) IPB the role of Tendik both Civil Servants (PNS) and Non Civil Servants are indispensable, hence Tendik's competence is to be paid attention by giving motivation from the leaders and work environment as well as providing compensation balanced with their work to create optimal performance. The data in this study was obtained through survey technique conducted on the population and samples from variables that were studied quantitatively with a Likert scale questionnaire to 142 Tendik PNS and non PNS, FAPET IPB. Data analysis using descriptive and Structural Equation Model (SEM) with Partial Least Square (PLS) approach. The variables in this study are motivation, compensation, cultural orgnasasi and Tendik competence. The results showed that Tendik's performance was influenced by gender, age, work period and educational background (individual factor). Individual factors and compensation factors directly affect the motivation of work. The compensation variables affect work motivation. Compensation has no effect on organizational culture. Organizational culture affects competence. Motivation does not affect the competence and culture of the organization. With a structural model of competence, the value of R-Square 52% means that the competence variability explained by the model is 52% and the rest (48%) is explained by other factors outside the model studied by the Faculty of Animal Husbandry, Bogor Agricultural University