Ihtiyath : Jurnal Manajemen Keuangan Syariah最新文献

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REGIONAL ASSET MANAGEMENT MECHANISM OF WEST ACEH DISTRICT (SHARIA ASSET MANAGEMENT PERSPECTIVE ANALYSIS AND PERMENDAGRI NO. 19 YEAR 2016) 西亚齐地区资产管理机制(sharia asset management perspective analysis and permendagri no . 1)。19年2016)
Ihtiyath : Jurnal Manajemen Keuangan Syariah Pub Date : 2021-06-21 DOI: 10.32505/ihtiyath.v5i1.2587
M. Husin
{"title":"REGIONAL ASSET MANAGEMENT MECHANISM OF WEST ACEH DISTRICT (SHARIA ASSET MANAGEMENT PERSPECTIVE ANALYSIS AND PERMENDAGRI NO. 19 YEAR 2016)","authors":"M. Husin","doi":"10.32505/ihtiyath.v5i1.2587","DOIUrl":"https://doi.org/10.32505/ihtiyath.v5i1.2587","url":null,"abstract":"This Study aims to describe the management of regional management in west Aceh regency and to determine whether or not the regional asset management is appropriate from the perspective of sharia asset management and PERMENDAGRI number 19 of 2016. the approach of this research is qualitative with descriptive analysis method. the sample used in this study is the civil servants of the West Aceh regional financial management agency (BPKD) who have a relationship whit regional asset management policies. the result of the study show that the management of fixed assets/regional property at the regional management agency (BPKD) Aceh Barat has done it optimally and in accordance with the systems and procedures of the cycle of managing the property of the region as stipulated in domestic regulation number 19 of 2016 concerning guidelines for the management of regional property. planning according to needs and procurement of asset carried out in a transparent manner as well as utilization that can be utilized by the community with a borrow and use system. the implementation of asset management is also in accordance with Islamic law, namely management which is based on Islamic values such as trust, reliability and freedom, balance and can be accounted for. these Islamic principles are applied and used as the basis for the asset management mechanism. some of the obstacles or inhibiting factors encounted in implementing the regional property management cycle are human resources due to the need for specific knowledge and understanding of the regional-owned asset management mechanism.","PeriodicalId":265060,"journal":{"name":"Ihtiyath : Jurnal Manajemen Keuangan Syariah","volume":"8 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-06-21","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124506073","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
PENGARUH NILAI TUKAR, INFLASI, VOLUME PERDAGANGAN, DAN DIVIDEND PAYOUT RATIO TERHADAP SHARE PRICE VOLATILITY PADA PERUSAHAAN YANG TERDAFTAR DALAM INDEKS KOMPAS100 TAHUN 2014 – 2018
Ihtiyath : Jurnal Manajemen Keuangan Syariah Pub Date : 2021-06-21 DOI: 10.32505/ihtiyath.v5i1.2598
M. Mastura
{"title":"PENGARUH NILAI TUKAR, INFLASI, VOLUME PERDAGANGAN, DAN DIVIDEND PAYOUT RATIO TERHADAP SHARE PRICE VOLATILITY PADA PERUSAHAAN YANG TERDAFTAR DALAM INDEKS KOMPAS100 TAHUN 2014 – 2018","authors":"M. Mastura","doi":"10.32505/ihtiyath.v5i1.2598","DOIUrl":"https://doi.org/10.32505/ihtiyath.v5i1.2598","url":null,"abstract":"This research aims to analyze partial and simultaneous influence between exchange rate, inflation, trading volume, and dividend payout ratio to share price volatility in Kompas100 index. This research uses 23 companies listed in Kompas100 index as a research sample during the period of 2014 to 2018, where sampling uses purposive sampling technique. In order to analyze, and test each research hypotheses, the technique used is panel data regression using the random effect model. The results of data analysis show that partially, the excgange rate, inflation, and trading volume have a positive and significant effect to share price volatility while the dividend payout ratio has a negative and significant effect to share price volatility. the results of data analysis show simultaneously, the exchange rate, inflation, trading volume, and dividend payout ratio have significant influence to share price volatility. The amount of testing the coefficient of determinastion (adjusted R square) is 0.416174, indicating that dependen variable which is share price volatility can be explained by independent variables those are exchange rate, inflation, trading volume, and dividend payout ratio was 41.6%, while 58.4% can be explained by the other variables outside the models  \u0000  \u0000 ","PeriodicalId":265060,"journal":{"name":"Ihtiyath : Jurnal Manajemen Keuangan Syariah","volume":"39 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-06-21","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131444951","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
ANALISIS KINERJA KEUANGAN PEMERINTAH DAERAH DALAM PENGELOLAAN ANGGARAN PENDAPATAN DAN BELANJA DAERAH DI KABUPATEN ACEH TIMUR 分析了地方政府在亚齐地区预算管理方面的财务表现
Ihtiyath : Jurnal Manajemen Keuangan Syariah Pub Date : 2021-06-21 DOI: 10.32505/ihtiyath.v5i1.2572
Krisniawati Krisniawati
{"title":"ANALISIS KINERJA KEUANGAN PEMERINTAH DAERAH DALAM PENGELOLAAN ANGGARAN PENDAPATAN DAN BELANJA DAERAH DI KABUPATEN ACEH TIMUR","authors":"Krisniawati Krisniawati","doi":"10.32505/ihtiyath.v5i1.2572","DOIUrl":"https://doi.org/10.32505/ihtiyath.v5i1.2572","url":null,"abstract":"Kinerja keuangan daerah merupakan salah satu ukuran yang dapat digunakan untuk melihat kemampuan daerah dalam menjalankan otonomi daerah, yang dapat diketahui dari tingkat kemandirian, efektivitas dan efisiensi. Penelitian ini dilakukan dengan tujuan untuk menganalisis kinerja keuangan pemerintah daerah dalam pengelolaan anggaran pendapatan dan belanja daerah di Kabupaten Aceh TImur. Penelitian ini menggunakan data  skunder yang bersumber dari laporan realisasi anggaran Kabupaten Aceh Timur dari tahun 2010 sampai dengan 2018. Data dianalisis dengan menggunakan   rasio kemandirian daerah ,tingkat  efektivitas dan efisiensi. Hasil penelitian diperoleh bahwa Pendapatan Asli Daerah di Kabupaten Aceh Timur  untuk anggaran masih besar dibandingkan realisasi, kemudian untuk subsidi di pemerintah pusat, provinsi dan pinjaman mengalami perkembangan setiap tahun demikian juga  belanja daerah,yang setiap tahun meningkat sesuai dengan kebutuhan pembangunan daerah. Sedangkan kinerja keuangan pemerintah daerah Kabupaten Aceh Timur berdasarkan hasil perhitungan rasio masuk pada kriteriabelum mandiri, belum efektif tetapi sudah efisien.","PeriodicalId":265060,"journal":{"name":"Ihtiyath : Jurnal Manajemen Keuangan Syariah","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-06-21","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128807083","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
MANAJEMEN MANAJEMEN PEMBIAYAAN IJARAH PADA BMT AL FATAYA PAYAKUMBUH 我的融资管理掠夺了BMT AL FATAYA PAYAKUMBUH
Ihtiyath : Jurnal Manajemen Keuangan Syariah Pub Date : 2021-06-21 DOI: 10.32505/ihtiyath.v5i1.2168
Alges Wahyuni Saputra Alges
{"title":"MANAJEMEN MANAJEMEN PEMBIAYAAN IJARAH PADA BMT AL FATAYA PAYAKUMBUH","authors":"Alges Wahyuni Saputra Alges","doi":"10.32505/ihtiyath.v5i1.2168","DOIUrl":"https://doi.org/10.32505/ihtiyath.v5i1.2168","url":null,"abstract":"Latar Belakang Penelitian ini Adalah Berdasarkan data jumlah nasabah pembiayaan akad ijarah lebih sedikit dari pada murabahah. dari dua jenis pembiayaan yang dilakukan, perkembangan pembiayaan mengguanakan akad murabahah dan ijarah jauh berbeda karena tidak adanya peningkatan nasabah secara signifikan dari tahun ke tahun. Seharusnya dari tahun ke tahun pembiayaan yang ditawarkan oleh BMT Al Fataya banyak digemari oleh nasabah .Jenis penelitian yang penulis gunakan adalah field research (penelitian lapangan) yang bersifat kualitatif Penulis menggunakan jenis penelitian ini untuk menganalisis manajemen pembiayaan ijarah pada BMT Al Fataya Payakumbuh. Hasil Penelitian menunjukkan Pelaksananan akad ijarah di BMT Al Fataya Payakumbuh ini  misalnya untuk biaya pendidikan, diawali dengan pengajuan permohonan pembiayaan pendidikan oleh nasabah kepada BMT Al Fataya Payakumbuh, apabila permohonan pembiayaan dianggap sudah lengkap dan telah memenuhi syarat yang ditentukan oleh pihak BMT, selanjutnya permohonan tersebut disetujui , kemudian BMT membuatkan Akad Al- Ijarah.  Kemudian BMT membayarkan dana yang dipinjam oleh nasabah ke rekening nasabah yang ada di lembaga Pendidikan tempat nasabah menuntut ilmu atau tempat anaknya menuntut ilmu \u0000Kata Kunci L : Manajemen, Pembiayan, Ijarah","PeriodicalId":265060,"journal":{"name":"Ihtiyath : Jurnal Manajemen Keuangan Syariah","volume":"58 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-06-21","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115955845","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
ANALISA VALUASI EMITEN KARYA LISTED IDX
Ihtiyath : Jurnal Manajemen Keuangan Syariah Pub Date : 2021-06-16 DOI: 10.32505/ihtiyath.v5i1.2633
M. Ananda
{"title":"ANALISA VALUASI EMITEN KARYA LISTED IDX","authors":"M. Ananda","doi":"10.32505/ihtiyath.v5i1.2633","DOIUrl":"https://doi.org/10.32505/ihtiyath.v5i1.2633","url":null,"abstract":"ABSTRACT \u0000This study aims to analyze the stock valuation of construction issuers, especially BUMN Karya using data for the first quarter – third quarter of 2020 obtained from financial statements. The ratio used is the valuation ratio such as Price to Book Value and Price to Earning to Share. The solvency ratio used is the Debt to Equity Ratio and the market cap value. The three construction issuers that are the focus of the analysis are PT Waskita Karya (WSKT), Tbk, PT Wijaya Karya, Tbk (WIKA) and PT. Pembangunan Perumahan, Tbk (PTPP). From the results of the analysis obtained in the third quarter of 2020, WSKT has a value of PBV 0.84, PER -7.56, DER 3.87 with a Market Cap of 19.9T. WIKA has a value of PBV 1.00, PER 320.79, DER 2.80 and Market Cap 16.1T. while PTPP, has PBV 0.66, PER 358.82, DER 2.79, Market Cap 9.4T. among the three issuers, WSKT has a negative value due to having a corrected profit in the third quarter of 2020. While the lowest PBV is owned by PTPP while the highest DER is owned by WSKT.","PeriodicalId":265060,"journal":{"name":"Ihtiyath : Jurnal Manajemen Keuangan Syariah","volume":"34 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-06-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128917559","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
الإشكاليات الشرعية المتعلقة بتطبيق المشاركة المتناقصة لدى بنك معاملات اندونيسيا 在印度尼西亚交易银行实施参与减少的合法问题
Ihtiyath : Jurnal Manajemen Keuangan Syariah Pub Date : 2020-12-30 DOI: 10.32505/IHTIYATH.V4I2.1969
Soleh Kurniawan
{"title":"الإشكاليات الشرعية المتعلقة بتطبيق المشاركة المتناقصة لدى بنك معاملات اندونيسيا","authors":"Soleh Kurniawan","doi":"10.32505/IHTIYATH.V4I2.1969","DOIUrl":"https://doi.org/10.32505/IHTIYATH.V4I2.1969","url":null,"abstract":"  \u0000المشاركة المتناقصة عبارة عن شركة يتعهد فيها أحد الشركاء بشراء حصة الآخر تدريجيا إلى أن يتملك المشتري المشروع بكامله. وإذا كانت للفقهاء الضوابط والشروط التي ينبغي توفرها في المشاركة المتناقصة حتى تكون مشروعة، فإن لبنك معاملات ممارسته الخاصة لتلك الصيغة بالطريقة التي تحقق له أهدافه. ويهدف هذا البحث إلى استكشاف القضايا الشرعية في تطبيق المصرفي للمشاركة المتنقاصة لدى بنك معاملات لتحديد مدى استيفائه للشروط التي اشترطها الفقهاء. وقد خلص البحث إلى أن ثمة إشكاليات شرعية في تطبيق المشاركة المتناقصة لدى البنك، منها: اشتراط ضمان العميل لحصة البنك منذ البداية، وبيع حصص البنك بثمن محدد مسبقا بالقيمة الاسمية، وإجبار العميل على تأمين العقار وتحمُّل مصاريف التأمين وجميع المصاريف المتعلقة بالعقد.","PeriodicalId":265060,"journal":{"name":"Ihtiyath : Jurnal Manajemen Keuangan Syariah","volume":"57 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-12-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114162252","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
- Analisis Pengaruh Pemberian Motivasi Terhadap Kinerja Karyawan di PT. Bank Syariah Mandiri Cabang Panyabungan -分析激励措施对PT. islamic Bank的员工绩效的影响
Ihtiyath : Jurnal Manajemen Keuangan Syariah Pub Date : 2020-12-30 DOI: 10.32505/IHTIYATH.V4I2.1856
Ian Alfian Ian
{"title":"- Analisis Pengaruh Pemberian Motivasi Terhadap Kinerja Karyawan di PT. Bank Syariah Mandiri Cabang Panyabungan","authors":"Ian Alfian Ian","doi":"10.32505/IHTIYATH.V4I2.1856","DOIUrl":"https://doi.org/10.32505/IHTIYATH.V4I2.1856","url":null,"abstract":"ABSTRAK \u0000Penelitian yang dilakukan bertujuan untuk mengetahui pengaruh pemberian motivasi terhadap kinerja karyawan di PT Bank Syariah Mandiri Cabang Panyabungan. Metode yang digunakan dengan pendekatan kuantitatif. Hasil penelitian bahwa pemberian motivasi berpengaruh signifikan terhadap kinerja karyawan di PT Bank Syariah Mandiri Cabang Panyabungan. Hal tersebut dapat dilihat dari uji hipotesis dimana koefisien determinasi (R2) menunjukkan sebesar 0.714 atau 71.4%, artinya bahwa variabel kinerja dapat diterangkan oleh variabel motivasi sebesar 71.4% sedangkan sisanya 28.6% diterangkan oleh variabel lain diluar penelitian. Pada uji t diperoleh thitung sebesar 5.469. artinya thitung (5.469) > ttabel (1.782) dan Pvalue (0.00) <  α (0.05), artinya Ha diterima dan H0 ditolak. Sedangkan model regresi yang terbentuk menyatakan bahwa motivasi memberikan pengaruh yang signifikan terhadap kinerja dengan koefisien 1.004 yang berarti bahwa jika motivasi yang diberikan sebanyak 1 kali maka kinerja akan naik sebesar 1.004. \u0000Kata Kunci: Motivasi, Kinerja, Karyawan","PeriodicalId":265060,"journal":{"name":"Ihtiyath : Jurnal Manajemen Keuangan Syariah","volume":"38 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-12-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122477390","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
PENGARUH LINGKUNGAN KERJA, PENGHARGAAN (REWARD) DAN PUNISHMENT TERHADAP KINERJA KARYAWAN (Studi Kasus Pada Pt. Socfhindo Divisi IV Afdheling Seleleh) 工作环境、奖励和奖励对员工绩效的影响(Pt. Socfhindo第四科的案例研究)
Ihtiyath : Jurnal Manajemen Keuangan Syariah Pub Date : 2020-12-30 DOI: 10.32505/IHTIYATH.V4I2.2051
S. Kamal
{"title":"PENGARUH LINGKUNGAN KERJA, PENGHARGAAN (REWARD) DAN PUNISHMENT TERHADAP KINERJA KARYAWAN (Studi Kasus Pada Pt. Socfhindo Divisi IV Afdheling Seleleh)","authors":"S. Kamal","doi":"10.32505/IHTIYATH.V4I2.2051","DOIUrl":"https://doi.org/10.32505/IHTIYATH.V4I2.2051","url":null,"abstract":"Lingkungan kerja, penghargaan (reward) dan punishment merupakan faktor yang penting untuk menunjang kinerja sekaligus memberi dorongan bagi karyawan untuk meningkatkan semangat dalam bekerja. Penelitian ini bertujuan untuk mengetahui pengaruh lingkungan kerja, penghargaan (reward) dan punishment terhadap kinerja karyawan. Penelitian ini menggunakan penarikan sampel probability sampling dan menentukan jumlah sampel dari suatu populasi menggunakan simple random sampling dimana setiap anggota populasi mempunyai peluang yang sama untuk dipilih menjadi anggota sampel berdasarkan kriteria tertentu sesuai dengan kriteria yang dilakukan peneliti. Sampel yang ditentukan yaitu 63 responden. Hasil penelitian ini menunjukkan bahwa terdapat pengaruh lingkungan kerja yang positif dan signifikan terhadap kinerja karyawan dilihat dari  nilai (t hitung) 2,696 > 2,00100 (t tabel) dengan tingkat sig. 0.003 < 0,05. Variabel penghargaan (reward) berpengaruh positif dan signifikan terhadap kinerja karyawan yang dilihat dari  nilai (t hitung) 3,257 > 2,00100 (t tabel) dengan tingkat sig. 0.002 < 0.05. Variabel punishment berpengaruh positif dan signifikan terhadap kinerja karyawan yang dilihat dari  nilai (t hitung) 3,638 > 2,00100 (t tabel) dengan tingkat sig. 0.004 < 0.05.  terdapat pengaruh secara simultan antara  lingkungan kerja, penghargaan (reward) dan punishment  hal ini dilihat dari F hitung (5,122) lebih besar dari F tabel (2,76) dengan tingkat signifikan 0.003 < 0,05.","PeriodicalId":265060,"journal":{"name":"Ihtiyath : Jurnal Manajemen Keuangan Syariah","volume":"31 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-12-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133085351","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
ANALISIS EFISIENSI BANK PEMBIAYAAN RAKYAT SYARIAH (BPRS) WILAYAH JAWA TENGAH & DIY DENGAN METODE DATA ENVELOPMENT ANALYSIS (DEA) PERIODE 2016 – 2018
Ihtiyath : Jurnal Manajemen Keuangan Syariah Pub Date : 2020-12-30 DOI: 10.32505/IHTIYATH.V4I2.2041
Rosida dwi Ayuningtyas
{"title":"ANALISIS EFISIENSI BANK PEMBIAYAAN RAKYAT SYARIAH (BPRS) WILAYAH JAWA TENGAH & DIY DENGAN METODE DATA ENVELOPMENT ANALYSIS (DEA) PERIODE 2016 – 2018","authors":"Rosida dwi Ayuningtyas","doi":"10.32505/IHTIYATH.V4I2.2041","DOIUrl":"https://doi.org/10.32505/IHTIYATH.V4I2.2041","url":null,"abstract":"This study aims to analyze the efficiency level of BPRS in the Central Java and DIY regions during the 2016-2018 period using the Data Envelopment Analysis (DEA) method. This study uses input variables consisting of third party funds, operating expenses and fixed assets, and uses output variables consisting of financing and operating income. This research uses quantitative methods and the data used is secondary data obtained from the financial reports of BPRS for the Central Java and DIY regions.. Based on calculations using the Banxia Frontier Analysis software, of the 33 BPRS that were sampled there were only 6 BPRS which always achieved 100% efficiency levels during 2016-2018, consisting of 2 BPRS in the Central Java region and 4 BPRS in the DIY area, namely PT. BPRS Sukowati Sragen and PT. BPRS Harta Insan Karimah Bahari for the Central Java region, PT. BPRS Madina Mandiri Sejahtera, PT. BPRS Mitra Amal Mulia, PT. BPRS Danagung Syariah and PT. BPRS Mitra Harmoni Yogyakarta for the DIY area. The rest has not yet reached efficiency. This inefficient is caused by a lack of productive financing distribution.","PeriodicalId":265060,"journal":{"name":"Ihtiyath : Jurnal Manajemen Keuangan Syariah","volume":"21 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-12-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123910291","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 1
MOBILE BANKING: ANALISA PENGGUNAAN PADA NASABAH PT. BANK ACEH SYARIAH CABANG LHOKSEUMAWE: PENDEKATAN TECHNOLOGY ACCEPTANCE MODEL (TAM)
Ihtiyath : Jurnal Manajemen Keuangan Syariah Pub Date : 2019-09-19 DOI: 10.32505/ihtiyath.v3i1.1296
R. Rahmawati
{"title":"MOBILE BANKING: ANALISA PENGGUNAAN PADA NASABAH PT. BANK ACEH SYARIAH CABANG LHOKSEUMAWE: PENDEKATAN TECHNOLOGY ACCEPTANCE MODEL (TAM)","authors":"R. Rahmawati","doi":"10.32505/ihtiyath.v3i1.1296","DOIUrl":"https://doi.org/10.32505/ihtiyath.v3i1.1296","url":null,"abstract":"Mobile banking offers convenience in conducting banking transactions. Customers who use mobile banking will get customer information in conducting banking transactions. PT Bank Aceh Syariah Lhokseumawe Branch Lhokseumawe Branch, as one of the banking institutions, is well aware that service to customers must be adjusted to advance technological outlook. This study limits only using three factors and needs to be considered by researchers, because the Technology Acceptance Model (TAM) as a model of user acceptance in an information system. Based on this analysis it is known that or a constant of 92.343% means the three variables namely Perception of Ease, Comfort, and Trust has an influence on the preference variable of 21.453%, the regression coefficient of perceived convenience variable (X1) of 55.7%, the regression coefficient of comfort variable (X2) of 27.9%, and the regression coefficient of the trust variable (X3) of 93.8%. Based on the results of the F-Test and T-test, it can be seen that the most dominant factor influencing customer interest in using mobile banking is the trust factor because the value of the trust variable is greater than that of other variables.","PeriodicalId":265060,"journal":{"name":"Ihtiyath : Jurnal Manajemen Keuangan Syariah","volume":"129 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-09-19","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124230721","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
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