SHARING: JOURNAL OF ISLAMIC ECONOMICS, MANAGEMENT AND BUSINESS

PENGARUH “FIVE C”s OF KREDIT TERHADAP PENGAMBILAN KEPUTUSAN KREDIT TANPA AGUNAN (KTA)

2024-01-18T07:09:20+00:00

Tujuan dari penelitian ini adalah untuk menganalisis pengaruh penerapan prinsip 5C terhadap pengambilan keputusan kredit tanpa anggunan (KTA) pada PT. BPR Anugerah Bintang Sejaterah Pekanbaru. Penelitian ini menggunakan pendekatan kuantitatif dengan teknik pengumpulan data yaitu studi pustaka, studi lapangan wawancara, observasi, dokumentasi dan angket (kuisioner). Sedangkan teknik analisis data menggunakan analisis regresi berganda. A). Character (X1): Dengan t_hitung3,796 lebih besar dari t_tabel 2,65 dengan tingkat signifikan 0,000 lebih kecil dari 0.05. Maka H0 diterima dan Ha diterima, artinya variabel Character berpengaruh terhadap pengambilan keputusan kredit. B).Capacity (X2): Dengan t_hitung -0,013 lebih kecil dari t_tabel 2,65 dengan tingkat signifikan 0,990 lebih besar dari 0.05. Maka H0 ditolak dan Ha ditolak, artinya variabel Capacity tidak berpengaruh terhadap pengambilan keputusan kredit. C). Capital (X3): Dengan t_hitung 1,502 lebih kecil dari t_tabel 2,65 dengan tingkat signifikan 0,139 lebih besar dari 0.05. Maka H0 ditolak dan Ha ditolak, artinya variabel Capital tidak berpengaruh terhadap pengambilan keputusan kredit. D). Collateral (X4): Dengan t_hitung -1,953 lebih kecil dari t_tabel 2,65 dengan tingkat signifikan 0,056 lebih besar dari 0.05. Maka H0 ditolak dan Ha ditolak, artinya variabel Collateral tidak berpengaruh terhadap pengambilan keputusan kredit. E). Condition (X5): Dengan t_hitung 2,120 lebih kecil dari t_tabel 2,65 dengan tingkat signifikan 0,038 lebih kecil dari 0.05. Maka H0 ditolak dan Ha diterima, artinya variabel Condition tidak berpengaruh terhadap pengambilan keputusan kredit.

STRATEGI PEMASARAN PEDAGANG PASAR TRADISIONAL DALAM PERSPEKTIF EKONOMI ISLAM

2024-01-18T07:08:11+00:00

The point of this exploration is to figure out how mudharabah contracts are executed in Sidoharjo Town and to figure out the perspective on sharia monetary regulation in regards to the framework utilized. In this examination, the strategy utilized is field research with a subjective graphic methodology and the information assortment techniques utilized are organized perception, meetings and documentation. The sources in this examination were individuals who keep cows and cow proprietors in Sidoharjo Town. The examination results show that assuming that there is a benefit sharing framework in bringing cows up in Sidoharjo Town, Jati Agung Locale, South Lampung Rule, there are two benefit sharing frameworks, the first is by separating the calves that have been conceived. cows that have been cared for by their managers. Second, by isolating the benefits from the offer of steers that have been raised by the rancher subsequent to returning the capital. This collaboration is clear in deciding beginning capital and steers costs. Concerning the survey of Sharia Monetary Regulation in view of the Accumulation of Sharia Financial Regulation, the execution of the benefit sharing framework in bringing dairy cattle up in Sidoharjo Town, Jati Agung Locale, South Lampung Rule as far as benefit imparting is in agreement to appropriate guidelines. type of thought. Be that as it may, assuming a misfortune happens, this cooperation doesn't contain a component of dharar (risk) since it is commonly useful when it comes time to share the benefits and both will encounter more noteworthy misfortunes in the event that the cow they are raising kicks the bucket. Consequently, the benefit sharing collaboration did by the local area in Sidoharjo Town is as per what has been managed in the Sharia Financial Regulation Accumulation.

ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI KINERJA KEUANGAN PADA PERUSAHAAN BUMN SEKTOR KONSTRUKSI TAHUN 2017-2022

2023-08-19T01:51:13+00:00

Penelitian ini bertujuan menganalisis hubungan antara variabel corporate governance, solvabilitas, dan Corporate Social Responsibility (CSR) dengan kinerja keuangan perusahaan Badan Usaha Milik Negara (BUMN) sektor konstruksi periode tahun 2017 hingga 2022. Metode penelitian ini menggunakan data sekunder penelitian dari laporan tahunan perusahaan dengan sampel penelitian 4 perusahaan BUMN sektor konstruksi. Sumber data sekunder diambil dari Laporan tahunan perusahaan yang menjadi sampel penelitian. Analisis data menggunakan Uji Chow, Hausman dengan bantuan aplikasi E-views. Hasil penelitian ini memberikan informasi penting bagi manajemen perusahaan dalam meningkatkan kinerja keuangan dan strategi pengelolaan aset pada BUMN sektor konstruksi Sehingga dapat disimpulkan sebagai berikut : (1) Terdapat pengaruh negatif dan signifikan corporate governance yang diukur dengan kepemilikan masyarakat (KM) terhadap kinerja keuangan yang diukur dengan return on asset (ROA), (2) Terdapat pengaruh positif dan signifikan corporate governance yang diukur dengan kepemilikan institusional (KI) terhadap kinerja keuangan yang diukur dengan return on asset (ROA), (3) Terdapat pengaruh positif dan signifikan solvabilitas yang diukur dengan debt to equity ratio (DER) terhadap kinerja keuangan yang diukur dengan return on asset (ROA), (4) Terdapat pengaruh negatif dan signifikan solvabilitas yang diukur dengan debt to asset ratio (DAR) terhadap kinerja keuangan yang diukur dengan return on asset (ROA), (5) Tidak terdapat pengaruh Corporate Social Responsibility yang diukur dengan global reporting initiative (GRI) terhadap kinerja keuangan yang diukur dengan return on asset (ROA), (6) Mekanisme corporate governance, solvabilitas dan corporate social responsibility berpengaruh signifikan secara simultan terhadap kinerja keuangan pada BUMN Sektor Konstruksi.

PENGARUH KEBERADAAN KAMPUS UNIVERSITAS ISLAM AN NUR LAMPUNG TERHADAP KONDISI EKONOMI MASYARAKAT DESA SIDOHARJO DALAM PRESPEKTIF EKONOMI SYARIAH

2024-02-26T01:28:26+00:00

The point of this examination is to decide the impact of the presence of A Nur Lampung Islamic College on the monetary states of the encompassing local area. The Impact of the Presence of A Nur Lampung Islamic College on the Financial States of the Sidoharjo Town People group in a Sharia Monetary Viewpoint (Contextual investigation of the Sidoharjo Town People group, Jatiagung Locale, South Lampung Rule). The strategy utilized in this exploration is a quantitative examination technique. The number of inhabitants in this study were occupants of Sidoharjo Town who had the situation with Head of Family. Corresponding arbitrary examining method. The example in this study was 25 heads of families spread across two villas in Sidoharjo Town. The information utilized is information on the quantity of family heads (KK) in every villa. The assortment strategy is as documentation and surveys. The information was handled and dissected utilizing the cross organization information examination strategy (crosstab). The exploration results show that the presence of the A Nur Lampung Islamic College grounds for the most part emphatically affects new financial development. In light of the presence of the A Nur Lampung Islamic College people group, financial circumstances should be visible from the synchronous cost assurance coefficient r table. The consequences of the examination acquired a rtable cost of 0.511. In this manner, it shows that the presence of A Nur Lampung Islamic College impacts financial circumstancesWatchwords: Islamic Economics¸ Social Circumstances, College

ANALISIS RASIO KEUANGAN UNTUK MENILAI KINERJA KEUANGAN PADA KPRI USAHA SAKERJA BBLITVET BOGOR TAHUN 2017-2021

2023-10-30T01:19:29+00:00

Financial peirformancei is a deiscription of thei achieiveimeint of suicceiss which can bei inteirpreiteid as thei reisuilts that havei beiein achieiveid for variouis activitieis that havei beiein carrieid ouit. This financial peirformancei asseissmeint is a way to asseiss thei deiveilopmeint of thei coopeirativei and at thei samei timei a form of financial reisponsibility. KPRI Uisaha Sakeirja BBLITVEiT Bogor is a muilti-buisineiss coopeirativei which has a savings and loan buisineiss uinit, buisineiss stall, buisineiss spacei reintal coopeirativei and goods procuireimeint. Thei aim of this reiseiarch is to deiteirminei thei financial peirformancei of coopeirativeis baseid on thei Reiguilation of thei Ministeir of Coopeirativeis and Small and Meidiuim Einteirpriseis of thei Reipuiblic of Indoneisia Nuimbeir 06/Peir/M.KUiKM/V/2006. Reigarding thei Guiideilineis for asseissing Achieiveimeint Coopeirativeis/Award Coopeirativeis and thei financial condition of coopeirativeis in 2017-2021. This reiseiarch uiseis a quiantitativei reiseiarch deisign with a deiscriptivei approach beicauisei this reiseiarch uiseis data in thei form of nuimbeirs which arei thein proceisseid and analyzeid to makei deicisions. In this reiseiarch, thei financial peirformancei of coopeirativeis baseid on calcuilations of thei Reiguilation of thei Ministeir of Coopeirativeis and Small and Meidiuim Einteirpriseis of thei Reipuiblic of Indoneisia Nuimbeir 06/Peir/M.KUiKM/V/2006 KPRI Uisaha Sakeirja BBLITVEiT Bogor 2017-2021 is in poor condition with a scorei of <50 beicauisei eiveiry yeiar eixpeirieinceid a deiclinei which reisuilteid in thei valuiei continuiing to deiclinei and had an impact on thei condition of thei coopeirativei.