Hasil Pencarian  ::  Simpan CSV :: Kembali

"Inflasi menjadi salah satu indikator makroekonomi yang penting dalam perekonomian Indonesia. Inflasi sangat mempengaruhi aktivitas pelaku ekonomi baik itu di sektor riil maupun di sektor moneter. Gejolak inflasi yang signifikan akan mengganggu kestabilan perekonomian. Dampak adanya inflasi yang tinggi pun akan merugikan banyak golongan masyarakat. Bank syariah sebagai salah satu pemain di industri keuangan perbankan tidak luput dari dampak inflasi. Berbeda dengan bank konvensional, transaksi berdasarkan prinsip syariah yang dilakukan bank syariah berhubungan langsung dengan sektor riil. Setiap pendanaan yang dikeluarkan harus terdapat underlying transaction dibelakangnya.Ketika inflasi berlangsung sektor riil biasanya dihadapi dengan dua kesulitan. Dari sisi produksi, biaya yang ditanggung perusahaan untuk berproduksi akan naik sehinggga harga jual outputnya akan ikut naik. Sedangkan dari sisi permintaan, inflasi menyebabkan pendapatan riil masyarakat berlkurang sehingga akan mengurangi demand terhadap barang dan jasa.Bank syariah seperti entitas bisnis lainnya tentu akan merespon ketidakdayadukungan sektor riil di saat inflasi dengan melakukan optimalisasi diversifikasi pendanaannya.Penelitian ini membatasi penyaluran DPK oleh bank syariah dapat dilakukan sebagai pembiayaan usaha, penempatan dana dalam bentuk Sertifikat Wadia?ah Bank Indonesia (SWBI), dan sertifikat Investasi Mudharabah Antarbank (IMA) di Pasar Uang Antarbank berdasarkan prinsip Syariah (PUAS). Penelitian ini bertujuan untuk menganalisis pengaruh dari inflasi IHK terhadap kinerja pembiayaaan perbankan syariah yang diukur dengan kriteria Financing to Depocit Ratio (FDR) dan Non Performing Financing (NPF), volume transaksi Pasar Uang Antarbank berdasarkan Prinsip Syariah (VPUAS) dan posisi outstanding Sertifikat Wadiah Bank Indonesia (OSWBI). Hipotesis awal penelitian menyatakan bahwa variabel INF berpengaruh positif dengan variabel NPF, VPUAS dan OSWBI. Tetapi INF mempunyai pengaruh negatif terhadap variabel FDR. Berdasarkan pengujian yang menggunakan metode Vector Autoregression (VAR) ternyata inflasi mempunyai pengaruh positif terhadap FDR, NPF, volume transaksi PUAS dan posisi outstanding SWBI."

"Sebagai otoritas moneter, pengembangan ekonomi dan perbankan Islam adalah merupakan amanat dari UU no 23 tahun 1999 tentang Bank Indonesia dan UU No 10 tahun 1998 tentang perbankan yang memungkinkan cara-cara pengendalian moneter oleh Bank Indonesia dapat dilaksanakan berdasatkan prinsip syariah. Bank Indonesia dapat mengimplementasikan manajemen moneter tanpa menggunakan suku bunga. Sehubungan dengan tugas Bank Indonesia menjaga kestabilan moneter, Bank Indonesia menyerap kelebihan likuiditas bank-bank syariah melalui penerbitan Sertifikat Wadi'ah Bank Indonesia (SWBI) atau yang sekarang berganti menjadi Sertifikat Bank Indonesia Syariah (SBI Syariah) dengan akad ju'alah. Tujuan penelitian ini adalah unluk mengetahui dan mengukur respon yang ditimbulkan olah tingkat imbal hasil SWBI/SBIS, lmbal hasil PUAS, DPK, pembiayaan serta inflasi terhadap outstanding SWBI/SBIS serta mengetahui variabel manakah yang paling dominan memberikan shock terhadap outstanding SBI Syariah. Data yang digunakan dalam penelitian ini adalah time series mingguan periode Maret 2003 hingga September 2009. Metode Penelitian yang digunakan adalah Vector Autoregressive (VAR), impulse response function,dan variance decomposition. Hasil penelitian ini menunjukkan bahwa variable tingkat imbal hasil SWBI/SBIS, imbal hasil PUAS, DPK, pembiayaan signifikan mempengaruhi outstanding SWBI/SBIS dengan periode pengamatan selama 10 periode waktu, Sedangkan variable yang paling dominan mempengaruhi adalah nilai outstanding SWBI/SBIS itu sendiri pada periode sebelumnya.

---

The development of Islamic economics and banking is a mandate of Act Number 23 of 1999 concerning Bank Iudonesia and Act Number 10 of 1998 concerning banking which aUows ways of monetary control that Bank Indonesia implemented based on lslamic principle. Bank Indonesia is able to implement monetary management without using interests. To maintain monetary stability, Bank Indonesia absorbs the excess liquidiry of Islamic banks through the issuance of Bank Indonesia Wadiah Certificate (SWBI), now replaced by Bank Indonesia Islamic Certificate (SBIS), by using ju'alah contract. This research is aimed to identify responses given by return of SWBUSBIS, return of PUAS, DPK, financing, aad inflation towards the outsmnding of SWBI/SBIS. It is also to find out which variables are dominant in giving shock to the outstanding of Bank Indonesia Islamic Certificate. Data used in this research are time series data from March 2003 to September 2009. Method used in this research is Vector Autoregressive (VAR) Impulse Response Function. and Variance Decornposltion. The result of this research shows that the return of SWB/SBIS, return of PUAS, DPK, and financing significantly influence the outstanding of Bank ludonesia Wadiah Certificate during 10 periods of observation. The variable having most dominant influence is the outstanding ofSWBIJSBIS of its previous period."

"Penelitian ini secara khusus ingin mengetahui seberapa besar penempatan dana pada Sertifikat Wadiah Bank Indonesia (SWBI) sebagai sarana penitipan dana jangka pendek oleh bank syariah yang mengalami kelebihan likuiditas dan penempatan dana pada Pasar Uang Antar Bank Syariah (PUAS) berpengaruh terhadap Financing to Deposit Ratio (FDR) perbankan syariah. Data penelitian ini bersumber dari Bank Indonesia, dan juga dari berbagai buku, koran, tesis dan internet yang berhubungan dengan topik ini. Data yang digunakan mulai bulan Januari 2003 hingga Maret 2006. Penelitian ini menggunakan alat analisis regresi berganda, yaitu suatu metode yang digunakan untuk menganalisis hubungan antar variabel. Hubungan tersebut diekspresikan dalam bentuk persamaan yang menghubungkan variabel terikat Y dengan dua atau lebih variabel bebas X. Dan hasil analisa diketahui bahwa kedua variabel bebas yaitu variabel SWBI dan PUAS secara bersama-sama dapat mempengaruhi variabel FDR perbankan syariah. Kedua variabel tadi dapat menjelaskan variabel terikat sebesar 50,6 % dan sisanya yaitu 49,4% dijelaskan oleh variabel lain yang tidak dimasukkan kedalarn model. Walaupun kedua variabel bebas secara bersama-sama dapat mempengaruhi variabel FDR perbankan syariah, namun hasil uji t menunjukkan bahwa hanya variabel SWBI yang signifikan dalam mempengaruhi FDR perbankan syariah.

---

The aim of this research is to examine the influence of the fund allocation in Sertifikat Wadiah Bank Indonesia, SWBI (a short term monetary instrument for syaria banking who had over liquidity problem ) and Syaria Interbank Money Market (PUAS) on Financing to Deposit Ratio (FDR) in syaria banking. This research is using database from Bank Indonesia, newspapers, thesis, internet and textbooks that relevant with the topic, from January 2003 to March 2006. And the analysis method is "Multiple Linear Regression " to analyze the relation among dependent variable (Y) and two or more independent variables (X). The F-Test analysis shows that both independent variables; SWBI and PUAS for FDR of syaria banking is 50,6 % while the rest of 49,4% is determined by other variables exclude in the econometric model. The T- Test result indicates that SWBI is the only variable that significantly influenced FDR syaria banking."

"This research background is eagerness to know researcher about sharia banking is being rapidlying grow the existing. But growth that is quickly sharia bank is fatherland has not been accompanied with development of the products. As a result sharia bank didn't had product characteristic and only follows conventional products. On the other side research to banking of more sharia law at monetary side and laws becoming bottom views touching at marketing aspect.

This research, main question is how influence from product attribute to Purchase Intention Education defrayal Product of BSM Among Indonesia University Student Depok?

The method used in this paper is quantitative approach, based on the goals on the descriptive research, its time based including the cross sectional research and also include method on a survey research. Populations on this research are UI Depok Students and the sample is 90 persons from FMIPA, FISIP & FE becoming savings product client BSM, and for collecting data used the purposive sampling technique. The data technique analyze on this research is using frequency distribution with the help of SPSS 15 program.

Based on William J. Stanton, Michael J. Etzel, dan Bruce J. Walker, Fundamentals Of Marketing. There are four dimensions that influence to purchase intention Education defrayal Product of BSM. There four dimensions are quality, brand, price & product servicing.

Based on result of this inferential research that brand dimension is dimension influencing from product attribute variable to Purchase Intention Education defrayal Product of BSM Among Indonesia University Student Depok. Because of suggestion from researcher is alwaysly takes care of value either from brand which have been owned by BSM."

"This study aims to examine the influence of Islamic corporate governance, size of the Board of Commissioners, the composition of the Board of Commissioners, Frequency of Meetings of the Board of Commissioners, the size of the Audit Committee Independent, The composition of the Audit Committee Number of Meetings Audit Committee, Profitability and Liquidity on the disclosure of corporate social responsibility (case study on the bank Sharia in Indonesia). This research is a quantitative study using scientific research in the form of positive economics. The nature and type of this research is descriptive method used is based on a survey of the literature. Data used is secondary data obtained from www.btgo.id and corporate websites. The analytical method used is multiple linear regression analysis with SPSS version 22. The population in this study are all Islamic banks registered in Bank Indonesia during the period 2012 to 2014. While the sample is determined by using purposive sampling method in order to obtain a sample of 10 banks with observations for 3 years. Based on the results of multiple regression analysis with significance level of 5%, then the results of this study concluded: (1) Islamic Corporate Governance consisting of Existence and expertise Sharia Supervisory Board has no significant effect on the disclosure of corporate social responsibility. (2) The size of the BOC significant effect on the disclosure of corporate social responsibility. (3) The composition of the Board of Commissioners has no significant effect on the disclosure of corporate social responsibility. (4) The frequency of the number of board meetings no significant effect on the disclosure of disclosure of corporate social responsibility. (5) The size independent audit committee has no significant effect on the disclosure of corporate social responsibility. (6) The composition of the independent audit committee has no significant effect on the disclosure of corpora te social responsibility. (7) The number of meetings of the audit committee has no significant effect on the disclosure of corporate social responsibility. (8) Profitability has no significant effect on the disclosure of corporate social responsibility. (9) Liquidity no significant effect on the disclosure of corporate social responsibility. (10) Islamic corporate governance, size of the Board of Commissioners, the composition of the Board of Commissioners, Frequency of Meetings of the Board of Commissioners, the size of the Audit Committee Independent, The composition of the Audit Committee Number of Meetings Audit Committee, Profitability and Liquidity on the disclosure of corporate social responsibility jointly significant effect on disclosures corporate social responsibility."

"ABSTRAKThis study aims to determine the effect of FDR, buy and sell financing, profit sharing financing,ijarah financing to the profitability in general syariah bank that listing on Indonesia. This studyuses secondary data obtained from the Financial Statement Publication Data Quarter of ShariaCommercial Banks period 2012-2016 on the website of the Otoritas Jasa Keuangan. There are 3(three) syariah banks that are the sample of Bank BNI Syariah, Bank BRI Syariah and Bank BCASyariah. The data prosecced using multiple linear regression by SPSS version 23."

"Penelitian ini bertujuan menganalisis perbandingan tingkat efisiensi bank syariah dengan bank konvensional di Indonesia Tahun 2012-2014. Metode yang digunakan dalam penelitian ini menggunakan pendekatan non-parametrik data envelopment analysis (DEA), dan Panel data regresi, dengan menggunakan variabel input dan output pada pendekatan intermediasi. Untuk membandingkan tingkat efisiensi bank syariah dan bank konvensional menggunakan uji beda independent sample t test Hasil penelitian ini menunjukkan terdapat perbedaan efisiensi antara bank syariah dan bank konvensional di Indonesia pada tahun 2012-2014. Hasil empiris faktor-faktor yang mempengaruhi efisiensi bank syariah dan bank konvensional ialah variabel ROA, CAR, dan FDR berpengaruh terhadap efisiensi bank syariah. Sedangkan variabel NPF berpengaruh negatif dan tidak signifikan terhadap efisiensi bank syariah. Kemudian variabel ROA, NPL, LDR, dan CAR berpengaruh signifikan terhadap efisiensi Bank Konvensional."