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Development Of Small Medium Entreprise With External, Internal, And Religiosity Factors In Islamic Banks
Get PDFThe purpose of this research is to analyze the influence of external, internal and religiosity variable that proxies to inflation, Bank Indonesia Certificate Sharia (SBIS), Non Performing Financing (NPF) and Third Party Fund (DPK) to Small and Medium Enterprises Financing in the Islamic Bank in Indonesia. The data is used Time Series data periods of January: 2011 – March: 2016 from Statistic Banking of Indonesia by analyzed of Multiple Linear Regression and Hahslm method. The results of this research indicate that the variable Inflation, Bank Indonesia Sharia Certificate (SBIS), Non Performing Financing (NPF) and Third Party Fund (DPK) have partially influence to Small and Medium Enterprises Financing. This is showed by the value of Adjusted R Square of 60,7% while the remaining 39,3% influence by other factors. In this research showed Inflation, Non Performing Financing (NPF) and Third Party Fund (DPK) have a significantly and positive effect on the Small and Medium Enterprises Financing. Meanwhile, Bank Indonesia Sharia Certificate (SBIS) has no significantly effect on Small and Medium Enterprises Financing. Simultaneously, the overall independent variables have a significant influence to Small and Medium Enterprises Financing.Keywords: Inflation, SBIS, NPF, Islamic Banking
EVALUASI PENGARUH COUNTRY-OF-ORIGIN, MEREK, DAN HARGA PADA PEMBELIAN PRODUK SUSU IMPORT
Get PDFIndonesian people tend to prefer and have a good perception about imported products compare to the domestic products. Indeed, when they don’t have any competence to judge the quality of the product they will use country-of-origin, brand and also the price as a basic. Therefore, this research will evaluate those three variables in imported product buying decision, in the case of imported infant milk. The research will analyze whether mother as the decision maker of this product is influenced by country-of-origin, brand and price. From the data analysis, it is found that only price and brand which influence the buying decision. Country-of-origin doesn’t influence the buying decision significantly.Keywords: country-of-origin, harga, merek, susu bayi impor
PENGARUH GENDER SEBAGAI PEMODERASI PENGEMBANGAN MODEL PERILAKU KONSUMEN HIJAU DI INDONESIA
Get PDFThis study examined the model development causal that can predict the green consumer behavior on organic food as green product. This study tested the influence of values orientation on environmental consciousness. This study also explained the effect of ecological knowledge, ecological affect, premium price and environment consciousness on green purchase intention. The role of gender as moderating variables on the causal model development. The analysis of 723 respondents all of those are people who influence and purchase their daily food. The result, based on path analysis using multi group structural equation modeling, indicated that the model tested had an acceptable fit. The idea implied in this research will be much help in resolving problem and decision making, connected to reinforce the green purchasing.Keywords: green consumer, attitude, behavior, organic food, gende
MANAJEMEN LABA PADA BANK SYARIAH DI INDONESIA: PERAN KOMITE AUDIT DAN DEWAN PENGAWAS SYARIAH
Get PDFThis study examined the role of the audit committee and the shari’ah supervisory board on earnings management in islamic banks in Indonesia. Research on islamic banking industry in Indonesia. The data used in this study were derived from secondary data that is derived from the quarterly reports of banking in the year 2010 to 2012. This study is an empirical test using secondary data. Results of the study confirms the two hypotheses were examined: the size of the audit committee in preventing acts earnings management in islamic banks significant positive effect. this is attested by p value 0.008; 2; The size of the shari’ah supervisory board was not able to reduce the amount of earnings management in islamic banks. Based on the results of hypothesis testing found that the variable sharia supervisory board has no effect. This may be due to the shari’ah supervisory board to meet the regulations of Bank Indonesia only. Keywords: audit committee, shari’ah supervisory board and management profi
PERSEPSI TERHADAP MAKANAN TRADISIONAL JAWA TIMUR: STUDI AWAL TERHADAP MAHASISWA PERGURUAN TINGGI SWASTA DI SURABAYA
Get PDFTraditional food seems to not have a big appeal for students and that it is not as good as modern food. Interestingly, the students can not define which one is the traditional food. The lack of the knowledge of the traditional food makes them confused since in their own household they are never given the information about it. Although the traditional food is being offered at a unique restaurant with a good atmosphere and good visual, they do not think it is enough for them to choose the traditional food over modern food.Keywords: indonesia, traditional food, consumer perception
ANALISIS HUBUNGAN ANTARA BERBAGAI DIMENSI SIKAP INDIVIDUAL DALAM MENGELOLA KELUARGA DAN KARIER
Get PDFThis research aims to analyze relationship between individual attitude to the managing family and career. This study is based on Sander M. M., Lengnick-Hall, C. A., Lengnick-Hall, M. L., & Steele-Clapp, L. (1998) study. Data for this study were provided by 217 students of the last level of Universities taken from state and private Universities at Yogyakarta. Individual attitude is measured by using CFAM from Sander et al. (1998). Response rate of this study was 95,2%. The data were analized by correlationanalysis. This study found eight important results. First, spousal supports and dominances, is positively corrrelated with other scales. Second, for the males and females, is positively correlated significantly between spousal suppports and balances. Third, for the males, is positively correlated significantly between family focus and career focus, whereas it was not for the females. Fourth, for the males, is positively correlated significantly between career focus and balances, whereas it was not for the females. Fifth, for the males, is positively correlated significantly between independences and family focus, whereas it was not for the females. Sixth, for the males and females, is significantly uncorrelated between independences and career focus. Seventh, for the males and females, is significantly uncorrelated between independences and dominances. Eighth, for the males and females, is significantly uncorrelated between independences and spousal supports.Keywords: individual attitude, CFAM(career-family attitudes measures), correlation analysis
PRIVATISASI BUMN DAN PENEGAKAN GOOD CORPORATE GOVERNANCE DAN KINERJA BUMN
Get PDFPrivatization of State Owned Companies (BUMN) represents government efforts in orderto improve performance of such companies through ownership and transfer of control to other parties (private sectors). However, this privatization, in fact, has not yet been able to increase profitability and maintain good corporate governance. The efforts to create effectiveness and efficiency of such companies could be done by enhancing public ownership, enforcing corporate governance principles, and empowering role of audit committee and independent director/commissioner.Keywords: Privatization, State Owned Companies, Corporate Governance Enforcement andPerformanc
Impact of E-Service Quality on Customer Satisfaction and Loyalty Empirical Study in India Online Business
Get PDFDue to Globalization and advancement in technology, Electronic commerce business (e-Com) has witnessed an extensive growth together with enthusiastic competition. The intention of this study is to test the conceptual framework of customer perception on service quality online business and its impact on satisfaction and loyalty through e-commerce business and a sample of 539 respondents were selected through simple random sampling method in Tamilnadu State of India. The result revealed that there is a significant association found between the demographic variables like Marital Status, Gender and Awareness about email/internet operation of the customers and the e-service quality, Customer Satisfaction and Loyalty except with Educational qualification and Status of the Residing area. The factors Responsiveness and Trust were highlighted as significant predictors for customer satisfaction and loyalty except Customization. Regarding the association between the customer satisfaction and loyalty, it is revealed that all the variables under satisfaction were significantly and positively associated with loyalty.Keywords: e-commerce, Retailers, Customer satisfaction, Customer Loyalt
The Phenomena of Organizational Structure Change as Change Factor of Financial Consultant’s Motivation
Get PDFLife insurance has developed into an attractive industry and has an important role in supporting businesses, families and communities. It grew into a business commodity that attracted many people. Competition in the life insurance industry is increasingly complex and competitive due to the number of life insurance companies made a lot of customers have many choices that requires every company to be more responsive to acquire customers, to support the organizational change, motivation and performance of employees. According to the first interview with top management, obtained information that there is a distance between superiors and subordinate in Allianz Life Indonesia’s new system, where Business Partner (leader) only served to control Business Executive and give freedom to the actions carried out by subordinates so that the relationship between them is less synergy. The purpose of research is to describe implementation strategies and the impact of OSC to Financial Consultant’s motivation. This study uses a qualitative research method. Research results obtained implementation strategy of OSC, which influenced by factors such as the driver of an effective and efficient work system, increasing of industry competition, and maintaining customer trust. There are two impact to Financial Consultant’s motivation include intrinsic motivation and extrinsic motivation.Keywords: Insurance, Organizational Structure Change, Motivation, Financial Consultan
Strategic Trade Policy in the Presence of International Outsourcing in a Duopoly Model
Get PDFThis paper analyzes how domestic government sets its optimal export policy in a duopoly model when its domestic firm can only outsource its input while the rival firm is able to both produce and outsource its input. First we analyze the strategic outsourcing behavior of the foreign firm. We find that the foreign firm’s decisions on whether to outsource input or to make it by itself depend on the trade policy taken by the domestic government. The foreign firm will strategically outsource the entire quantity of its input production to the supplier with an input price higher than its in-house cost, if the domestic firm is subsidized by the domestic government. However, when the domestic firm is being charged a positive export tax by the domestic government, the foreign firm will decide to make input by itself despite the lower input price under the outsourcing regime. From the domestic government’s point of view, we find that the conditions for the foreign firm’s decisions correspond to the domestic social welfare maximization problem. When the foreign firm chooses to outsource its input to the supplier, the domestic government will impose a negative export tax on its firm, namely subsidy. While when the foreign firm chooses to make input by itself, the domestic government will impose an export tax on its firm as trade policy.Keywords: Trade Policy, Export Tax, Subsidy, Outsourcin