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PENGARUH NISBAH BAGI HASIL, PRODUK DOMESTIK BRUTO, SUKU BUNGA DEPOSITO DAN INFLASI TERHADAP SIMPANAN MUDHARABAH DI PERBANKAN SYARIAH INDONESIA PERIODE 2004.12009.2
Get PDFThis study focused on examination impact of Profit Sharing Ratio (NSM) to Mudharabahsavings in Indonesia Syariah Bank. The model used in this study is the Multiple LinearRegression OLS methods (Ordinary Least Square) with the time series data in period2004.1-2009.2. But in this model, we also considerd Gross Domestic Product (PDB), DepositInterest Rate (RSK), and Inflation (INF) as control variables. The results of the researchare variables of Profit Sharing Ratio (NSM), Deposit Interest Rate (RSK) and Inflation(INF) are affected not statistically affected Mudharabah Savings. The other side, thevariable of Gross Domestic Product (GDP) statistically affects Mudharabah Savings. Theinterest of people on Mudharabah Savings is not because of the Profit Sharing Ratio thatbecome the main determinant in Mudharabah Saving but of the more Islamic System
ANALISIS KEMAMPUAN BERPIKIR KRITIS AUDITOR INTERNAL PADA TAHAP PERENCANAAN AUDIT SISTEM MANAJEMEN MUTU DI UNIVERSITAS SURABAYA
Get PDFThis study aims to look at how critical thinking skills when planning the audit of quality management system at the University of Surabaya. The background of this research is because there has been no previous study that discusses the critical thinking skills and their relation to the audit planning process. In its practice, this study used a qualitative approach and can be categorized as basic research by conducting interviews and document analysis as the primary method for obtaining the data. It is intended that the results of this study can actually see how the role of critical thinking skills of internal auditors during audit planning. The interviews were conducted at 3 Ubaya internal audit staff. In the other, the analysis is done using several documents were obtained as a result of information that reinforces interviews. From these results, it was found that there is a role of the auditor’s ability to think critically when planning the audit of quality management system in Ubaya. In addition, critical thinking skills possessed by the auditor may develop through experience and the training.Keywords: Internal Internal audit, critical thinking, quality management system
PENETAPAN RASIO BAGI HASIL AKAD MUDHARABAH DAN MUSYARAKAH (STUDI KASUS DI BNI SYARIAH)
Get PDFThis study is a descriptive case study analysis in PT. Bank BNI Syariah using primary data and secondary data. This study rejects the results of research Mawardi (2005) and Vustany (2006) which states that the granting of a return to the Islamic banking results are influenced by interest rates. The interest rate is only a reference in determining the level of expected return for the customer to determine the ratio of the results. Calculation of profit sharing between users and customers BNI Syariah funds made by the actual return earned business profits, and distribution of the proceeds among the owners BNI Syariah customer funds carried with the actual return earned by the bank. Determination of the ratio between BNI Syariah results with user customer funds made by setting the level of expected return and the bank’s expected return rate of user client funds. Bank’s expected return level is calculated based customer’s of fund provider’s expected return estimation, the estimated overhead cost, estimation of risk level, and the expected net profit of the bank. While the level of expected return customers entrepreneur is the difference between the projected benefit the customer’s business and the expected return rate of the bank.Keywords: Profit Sharing Ratio, Mudaraba Agreement, Musharaka Agreement, Expected Return, Islamic Banking
ESTIMASI POTENTIAL LOSS PENERIMAAN PAJAK DARI KEGIATAN UNDERGROUND ECONOMY DENGAN PENDEKATAN MONETER
Get PDFOne of the major problems in estimating GDP is the absence of reliable, accurate, timely and consistent official economic and sosial statistics. One of them is that official statistics do not take into account the underground economy when estimating GDP. Deficiencies in estimation techniques and difficulties associated with data collection lead to misreporting and underreporting of national account statistics. The precence of a large underground economy undermines goverment revenue and tax collection. For this reasons, it is crucial to know the size of the underground economy and the magnitude of their activity in order to assess the implications for tax revenues or fiscal revenues. The data consist of quartely observations form 2000-2009 and are taken from BI, BPS and Minister of Finance. Estimating use the currency demand appraach, the first attempt to investigate the size of the underground economy using monetary variabels as a proxy.Keywords: underground economy, monetary approach, currency demand, tax potential los
ANALISIS VARIABEL-VARIABEL YANG MEMPENGARUHI PEMBIAYAAN MURABAHAH PADA BANK SYARIAH MANDIRI PERIODE 2008.01-2011.12
Get PDFMurabaha financing is the most dominant in Indonesia Islamic banking compared to other financial products, it also dominates the Islamic banks in other countries. This method is becoming very popular because it is the nature of murabaha financing has required rate of profit that is definitely in accordance with the terms agreed upon. This study aims to determine the variables that influence the murabaha financing at Bank Syariah Mandiri, which consists of Third Party Funds (TPF), Profit Margin, Non-Performing Financing (NPF), Financing to Deposit Ratio (FDR). The data used in this study is a secondary data with monthly period 2008:012011:12. The analysis technique used is the Multiple Linear Regression by OLS (Ordinary Least Square). Based on the research results that the Third Party Funds (TPF) has positive and significant, Margin keutungan negative and insignificant, NPF has positive and significant effect, FDR has negative and insignificant.Keywords :Murabaha Financing, Third Party Funds (TPF), Profit Margin, NonPerforming Financing (NPF), Financing to Deposit Ratio (FDR
EVALUASI KEBIJAKSANAAN PEMBANGUNAN REGIONAL KOTA PADANG PANJANG (PENDEKATAN EXPORT BASE MODEL)
Get PDFEconomic development is an essential factor to development in the country because development was not just about economy fenomena but include material and financial problem in the life many people. So that implementation of suitable policies succeed to achieve many object and purpose of effective development need good planning and evaluation. For example Padang Panjang City, location quotient showed that basic sector is electricity and transportation. base on the result the goverment have to take a policy that actually develop the basic sector until give a big value added to income of the city non basic sector must be develop together with basic sector because connected to economic growth .Keywords : Economic development, location quotient, basic sector electricit
PENGARUH JUMLAH UANG BEREDAR DAN KURS TERHADAP TINGKAT INFLASI DI INDONESIA SEBELUM DAN SETELAH KRISIS GLOBAL 2009
Get PDFThe objective of this research are to analyzed the effect of Money Supply and Exchange Rate to Inflation Rate in Indonesia before and after Global Crisis at 2008. Type of this research is a correlation study, a research to explain correlation between variables. Dependent Variable used is Inflation Rate (percentages), Independent Variables are Money Supply and Exchange Rate (Indonesian Rupiah to US Dollar). The models will be calculated with OLS (Ordinary Least Square) and Classical Assumption which is excelent in technical, easy to calculate and interpretation. In this case a correlation between dependent variables and independent variables. To determine the inflation rate effect before and after Global Crisis, the other test methods also needed, in example: Normality Test, Autocorrelation Test, Multicolinearity Test, Heteroscedastisity Test and Chow Test. The result from this research determine that Inflation Rate as a dependent variable will significantly influence to Money Supply and Exchange Rate inIndonesia.Keywords : global crisis, inflation rate, money suppl
ANALISIS EFISIENSI TEKNIS BANK PEMBANGUNAN DAERAH DI INDONESIA PERIODE TAHUN 2008 – 2009 DENGAN MENGGUNAKAN METODE DEA (DATA ENVELOPMENT ANALYSIS)
Get PDFThe purpose of this research is to acknowledge the level of efficiency from Regional Development Bank (Bank Pembangunan Daerah)/BPD) in Indonesia. This research use non - parametric approach which is DEA (Data Envelopment Analysis), to measure the efficiency of input and output of the Regional Development Banks. The input variables include are interest expense, administration and public expenses and salary expenses and the output variables are interest net income and other operasional income. The research concluded shows that the performance of the technical efficiency of banks BPD is not all reach the level of 100% and showed a fluctuation grow from 2008 – 2009. Pursuant to the technical efficiency level showed that there are 4 banks from 26 existing banks are showing a maximum efficiency. While the remaining 21 BPD banks fluctuating during 2008 to 2009. Keywords : Efficiency, Data Envelopment Analysis (DEA), Regional Development Ban
ANALISIS SIMULTAN ANTARA ALIRAN MODAL, NILAI TUKAR DAN INFLASI DI INDONESIA PERIODE 2000.01 – 2012.09
Get PDFGlobalization and the open economic enchanced the integration of financial market and the economic condition in several countries. The effects of such integration shows in the movement of capital flows between countries. The potential risks of the capital flows, such as sudden reversal, the pressure on the exchange rate and high inflation and the susceptibility on financial sector, might be be arised. The goal of this research is to analyze the relationship between capital flows, exchange rates and inflation in Indonesia period 2000.01 – 2012.09. The method used in this research is simultaneous equations method. The model equations in this study are divided into two, which are a short-term investments are proxied from portfolio investment and long-term investments proxied from foreign direct investment. The results of the first model estimates the short-term investments shows that the exchange rate and inflation does not significant affecting short-term investments, but the ratio of domestic interest rates to foreign interest has a positive and significant impact on short-term investments. While, a short-term investments has negative and significant impact on exchange rate IDR per USD and inflation positive and significant effect on exchange rate. Factors affecting the rate of inflation is SBI interest rate and the money supply. One the other hand, the results of the second model estimation shows that the exchange rate and inflation has positive and significant impact on the flow of foreign direct investment. Inflation rate does not alter the terms of the investor’s decision in investing in Indonesia, because it was followed by the improvement in economic conditions in Indonesia.Keywords: Capital Flows, Exchange Rate, Inflation, Simultaneous Equatio
ANALISIS EFISIENSI INDUSTRI GULA DI INDONESIA DENGAN METODE DATA ENVELOPMENT ANALYSIS (DEA) TAHUN 2001 – 2010
Get PDFThis study aims to determine the efficiency of the sugar industry factories inIndonesia. These plants are PG Jatitujuh, PG Karangsuwung, PG Sindanglaut, PG Subang,PG Tersanabaru, PG Gondangbaru, PG Jatibarang, PG mojo, PG Pangka, PG Rendeng. Dataused in this study is secondary data, the source data comes from the Indonesian SugarCouncil with the years of the study was taken from 2001 to 2010. Variables used in this studyconsisted of three input variables and two output variables. Variable input consists of thecane milled, the total area, kapasits rollers, while the output variables consist of sugarproduction and production drops. The results of processing by using the Data EnvelopmentAnalysis (DEA) in the period 2001-2010 shows that there are only three plants in a row isconsistent with maintaining the efficiency of 100%. Three factories are PG Jatitujuh, PGJatibarang and PG Sindanglaut. While the other two factories, namely PG Rendeng and PGGondangbaru showed a decreased efficiency level of performance each year with numbersbelow 100%.Keywords: Efficiency, DEA, Sugar Company, Total Cane ground, Area, Milling Capacity,Production of Sugar and Molasses Production