scholarly journals ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK KONVENSIONAL DENGAN BANK SYARIAH PERIODE 2015-2019

2021 ◽  
Vol 14 (2) ◽  
Author(s):  
Ila Komalasari ◽  
Wirman Wirman
Keyword(s):  
Financial Performance ◽  
Random Sampling ◽  
Sampling Technique ◽  
Simple Random Sampling ◽  
Financial Ratios ◽  
Islamic Banks ◽  
Banking Services ◽  
Conventional Banks ◽  
Banking Institution ◽  
Descriptive Method

<p><strong><em>ABSTRACT: </em></strong><em>Even though the majority of the population of Indonesia is Muslim, there is a lack of views about the advantages of Islamic banks, so they prefer to use conventional banking services. The target to be achieved is to find out whether there is a dissimilarity between conventional banks and Islamic banks in their financial performance. And to find out which banking institution is superior based on financial performance ratios. This study uses a comparative descriptive method through a quantitative approach. The sampling technique used is simple random sampling technique. The data used are financial ratios, namely CAR, NPL/NPF, ROA, BOPO, and LDR/FDR. Then the facts are as follows: 1) There is dissimilarity in CAR performance between the two banks, and CAR at conventional banks is superior to Islamic banks. 2) There is dissimilarity in the performance of NPL/NPF between the two banks, and the NPL/NPF of conventional banks is superior to that of Islamic banks. 3) There is no dissimilarity in ROA performance between the two banks, and ROA at conventional banks is superior to Islamic banks. 4) There is no dissimilarity in BOPO performance between the two banks, and BOPO at conventional banks is superior to Islamic banks. 5) There is no dissimilarity in the performance of LDR/FDR between the two banks, and LDR/FDR in Islamic banks is superior to conventional banks.</em></p><p><strong><em>Keywords: </em></strong><em> Conventional Banks, Islamic Banks, Financial Performance, Financial Ratios</em></p><p> </p><p><strong>ABSTRAK:</strong> Kendatipun sebagian besar penduduk negara Indonesia beragama Muslim, namun minimnya pandangan mengenai keunggulan bank syariah sehingga mereka lebih memilih memanfaatkan jasa perbankan konvensional. Sasaran yang ingin dicapai yakni ingin mendapati ada tidaknya dismilaritas bank konvensional dengan bank syariah dalam kinerja keuangannya, dan untuk mendapati lembaga perbankan mana yang lebih unggul beralaskan rasio kinerja keuangan. Penelitian ini memakai metode deskriptif komparatif melalui pendekatan kuantitatif. Dengan Teknik pengambilan sampel yang dipakai yakni teknik <em>simple random sampling</em>. Data yang dipakai berupa rasio-rasio keuangan yaitu CAR, NPL/NPF, ROA, BOPO, dan LDR/FDR. Kemudian faktanya yakni seperti berikut ini: 1) Adanya dismilaritas kinerja CAR antara kedua bank, dan CAR pada bank konvensional lebih unggul ketimbang bank syariah. 2) Adanya dismilaritas kinerja NPL/NPF antara kedua bank, dan NPL/NPF pada bank konvensional lebih unggul ketimbang bank syariah. 3) Tidak adanya dismilaritas kinerja ROA antara kedua bank, dan ROA pada bank konvensional lebih unggul ketimbang bank syariah. 4) Tidak adanya dismilaritas kinerja BOPO antara kedua bank, dan BOPO pada bank konvensional lebih unggul ketimbang bank syariah. 5) Tidak adanya dismilaritas kinerja LDR/FDR antara kedua bank, dan LDR/FDR pada bank syariah lebih unggul ketimbang bank konvensional.</p><p><strong>Kata Kunci:</strong> Bank Konvensional, Bank Syariah, Kinerja Keuangan, Rasio Keuangan</p><p> </p><p><em><br /></em></p>

scholarly journals MENINJAU KINERJA BANK SYARIAH DI INDONESIA

2020 ◽  
Vol 3 (1) ◽  
pp. 31-40
Author(s):  
Fitri Sagantha
Keyword(s):  
Regression Analysis ◽  
Financial Performance ◽  
Financial Statements ◽  
Quantitative Approach ◽  
Financial Ratios ◽  
Islamic Banks ◽  
Economic Stability ◽  
Financial Ratio ◽  
Significant Stage ◽  
Conventional Banks

To show the role, then show the performance. Maybe, the term is right for the bank. The existence of banks influences economic stability, therefore financial performance must be good. There is no choice but to increase the entire financial ratio. Interest in reviewing the financial ratios of banks, especially Islamic banks, is the goal to be achieved in this study. Use financial statements as data, and analyze the extent of their performance and influence. For this reason, a quantitative approach and regression analysis are needed. So that research results can be explained properly. The findings in this study suggest that the performance of Islamic banks is relative. Its role is not yet at a significant stage for the economy, and it is still far from conventional banks

scholarly journals Technology Based Employees Training and Organizational Performance as Perceived by Employees

2013 ◽  
Vol 5 (8) ◽  
pp. 417-423
Author(s):  
Asad Afzal Humayoun ◽  
Kashif Ur Rehman .
Keyword(s):  
Organizational Performance ◽  
Random Sampling ◽  
Banking Sector ◽  
Sampling Technique ◽  
Islamic Banks ◽  
Organizational Strategies ◽  
Internal Customers ◽  
Market Shares ◽  
Conventional Banks

The present study explores the nature of the technology-based HR trainings practices with a focus on the banking sector in Pakistan. The study was carried out in the twin-cites of Rawalpindi and Islamabad. Random sampling technique was adopted and population mainly was categorized into six Islamic banks and 6 conventional Banks. The study recommends that by implementing the technology-based training and acquiring the inputs from the top level management and the internal customers using this input and information for the organizational strategies and goal, can further the market shares and the profitability.

scholarly journals Board Audit Committee Characteristics and Financial Performance of Selected Commercial Banks in Ghana

2020 ◽  
Vol 10 (1) ◽  
pp. 222
Author(s):  
John Nana Ekow Baiden
Keyword(s):  
Financial Performance ◽  
Random Sampling ◽  
Commercial Banks ◽  
Audit Committee ◽  
Secondary Data ◽  
Sampling Technique ◽  
Simple Random Sampling ◽  
Correlational Design ◽  
Study Population

The purpose of the study was to examine the influence of board audit committee characteristics on the financial performance of selected commercial banks in Ghana during the period of 2008 to 2017. The correlational design was employed. The study population was 23 commercial banks licensed under the Bank and Special Deposit Taking Institution Act with audit committee on their board and offices in Ghana as at December 2018. The sample size for the study was 13 commercial banks in Ghana. The lottery method of simple random sampling technique was used to select the 13 banks. The study made use of only secondary data. Statistical tools such as means, standard deviations, Pearson product moment correlation, and linear multiple regression analysis were used to analyse the data. The findings of the study revealed that when banks audit committee increase the frequency of their meetings, increase the number and quality of financial qualifications of member on board and also increase the size of the audit committee members on total board membership, it will have a significant influence on the banks’ financial performance. It was recommended to Bank of Ghana (BoG) and managers of the various commercial banks to ensure that audit committee members are independent, meaningfully represented at boards of the banks, and are people with expertise in accounting/finance.

ACCESS TO MICROCREDIT DETERMINANTS AND FINANCIAL PERFORMANCE OF SMALL AND MEDIUM RETAILING ENTERPRISES IN WAJIR COUNTY, KENYA

2017 ◽  
Vol 2 (6) ◽  
pp. 103
Author(s):  
Nasteha Kanyare ◽  
Dr. John Mungai
Keyword(s):  
Financial Performance ◽  
Random Sampling ◽  
Small And Medium Enterprises ◽  
Sampling Technique ◽  
Simple Random Sampling ◽  
Target Population ◽  
Primary Data ◽  
Eligibility Criterion ◽  
To Come ◽  
Medium Enterprises

Purpose:  The purpose of the study was to establish the effect of determinants of access to microcredit on financial performance of retailing SMEs in Wajir County, Kenya.Methodology: The study adopted a descriptive survey research design. The target population comprised of all the 5000 retailing small and medium enterprises in Wajir County where the units of analysis were the SME owners. The study used stratified random sampling and simple random sampling technique to come up with the sample. The target population was stratified into 6 strata (the 6 sub-counties in Wajir County). Further, random sampling was used to select 146 SMEs from each sub-county. The study used primary data which was largely quantitative and descriptive in nature. The questionnaires were self-administered with the help of two research assistants. The data analysis was undertaken using SPSS Version 20 where the statistics generated included descriptive statistics and inferential statistics.Results: The study findings revealed that savings, meeting the eligibility criterion, loan structuring and some socio economic characteristics positively and significantly affected the financial performance of SMEs in Wajir County.Unique contribution to theory, practice and policy: the study recommended that SMEs should take the initiative to increase the amount they saved so that they could increase their borrowing capacity. The study also recommended that SME owners needed to take the initiative of ensuring that they were all the time able to meet the necessary requirements needed for obtaining loans especially their documentation, business and repayment plans and aim at ensuring that they acquired the necessary collateral. It was further recommended that MFIs needed to ensure that the loan structure presented to SMEs were favorable. The study also recommended that it was necessary for SMEs to expand/grow their asset base so as to increase the ability to repay the loans. They also needed to expand their networks especially within the financial institutions circles so that they could increase the trust the MFIs had on them and for easy considerations for loans.

scholarly journals The Relationship Between Parenting Style With The Biology Learning Outcome in SMAN 99 Jakarta Students

Biosfer ◽  
2018 ◽  
Vol 8 (1) ◽  
pp. 39-46
Author(s):  
Luluk Nur Farida ◽  
Yulia Irnidayanti ◽  
Ernawati Ernawati
Keyword(s):  
Parenting Style ◽  
Research Methodology ◽  
Random Sampling ◽  
Sampling Technique ◽  
Simple Random Sampling ◽  
Learning Outcome ◽  
Questionnaire Data ◽  
Biology Learning ◽  
The Relationship ◽  
Descriptive Method

Learning outcome was influenced by interaction between child and parent, in this case parenting style. The aim of this research is to know the most parenting style and its correlation on Biology learning outcome in SMAN 99 Jakarta students. This research was based on parenting style theory from Macoby dan Martin’s. Macoby dan Martin’s assumed that parenting is a form of demandingness and supportiveness. There is four parenting style, authoritarian, authoritative, permissive indulgent and permissiveindefferent. Research methodology was descriptive method with correlational study. Sample was selected by simple random sampling technique comprised 125 students of clas X MIA SMAN 99 Jakarta. Data was taken by questionnaire. Data obtained in this research is processed with regression and correlation. Authoritative relationship with learning outcome in SMAN 99 Jakarta students has a positive and contribute for 79,2%.

scholarly journals Kecemasan Masyarakat Terhadap Covid-19 Berdasarkan Usia dan Zona Tempat Tinggal

2021 ◽  
Vol 4 (1) ◽  
pp. 20-29
Author(s):  
Roby Maiva Putra ◽  
Zulfan Saam ◽  
Raja Arlizon
Keyword(s):  
Data Collection ◽  
Random Sampling ◽  
Sampling Technique ◽  
Simple Random Sampling ◽  
Guidance And Counseling ◽  
The People ◽  
Significant Difference ◽  
Green Zone ◽  
The Government ◽  
Descriptive Method

The current study aims to identified and described the differences in the level of public anxiety concerning the COVID-19 pandemic based on age and residential zone and the implications for guidance and counseling. This research used a quantitative approach with a comparative descriptive method. The population in this study were the people of 12 districts/cities in Riau Province with the sampling technique using simple random sampling which obtained a sample of 200 people ranging from adolescence to senior with details of 100 people coming from the red zone and 100 people from the green zone of COVID-19 transmission. The research instrument used a Likert-scale questionnaire on the level of public anxiety. The questionnaire was distributed using the google form and the data collection was conducted start from April until May 2020. The results of this study indicated that: (1) the public's anxiety concerning COVID-19 pandemic categorized as moderate; (2) public anxiety concerning COVID-19 pandemic with the highest percentage emerges in the senior category; (3) there was a significant difference between the level of anxiety of people living in the green zone and the red zone concerning COVID-19. These results can be used as references in making guidance and counseling programs in educational units, counseling organizations, and the government as a foundation for a policy brief in dealing with the COVID-19 pandemic.

scholarly journals Pemanfaatan Bahan Ajar Berupa Komik dalam Pembelajaran IPS

2021 ◽  
Vol 4 (1) ◽  
pp. 14
Author(s):  
Dwi Yanti Angelina ◽  
Suhardjo Suhardjo ◽  
Ode Sofyan Hardi
Keyword(s):  
Social Studies ◽  
Random Sampling ◽  
Sampling Technique ◽  
Simple Random Sampling ◽  
Likert Scale ◽  
Teaching Materials ◽  
Online Questionnaire ◽  
Analysis Technique ◽  
The Social ◽  
Descriptive Method

This study aims to determine the benefits of teaching materials in the form of comics as social studies learning in geography content. The method used is descriptive method. The population in this study were students of SMPN 62 Jakarta and the research sample was students of class VII.5 totaling 37 students. The analysis technique in this study used an online questionnaire with a Likert scale and a gain test that was conducted to determine the level or magnitude of the influence of the use / utilization of comic media. The sampling technique is simple random sampling. The results of the study were based on validation by comics experts and material experts which were declared fit for use as teaching materials in the social studies learning process with geographic content. The influence of the use of comics in social studies learning with geographic content can be seen from calculations through the gain test and the Likert scale. The results of the pretest and posttest which show the high category, namely 0.8 in the calculation of the gain test. Furthermore, through the calculation of the Likert scale, the percentage of respondents' answers shows that 80% is in the feasible category.

scholarly journals ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK UMUM KONVENSIONAL DAN BANK SYARIAH ( STUDI 3 BUAH BANK UMUM KONVENSIONAL DAN 3 BUAH BANK UMUM SYARIAH )

2019 ◽  
Author(s):  
Irfan Azwar
Keyword(s):  
Financial Performance ◽  
Commercial Banks ◽  
Quantitative Research ◽  
Sample Selection ◽  
Financial Ratios ◽  
Islamic Banks ◽  
Test Analysis ◽  
Financial Ratio ◽  
Financial Ratio Analysis ◽  
Conventional Banks

This study aims to compare the financial performance of conventional commercial banks with sharia commercial banks in Indonesia in the period 2012-2016 using financial ratios. The financial ratios used consist of CAR, NPL, ROA, BOPO and LDR. The type of research used in this study is quantitative research. The data used in this study are data of bank financial statements for 2012 to 2016 obtained through several websites from the bank concerned. The sampling method used was purposive sampling, based on the sample selection criteria, obtained a sample of 6 banks, 3 banks for Islamic commercial banks and 3 banks for conventional commercial banks. Data analysis techniques used to compare the performance of conventional commercial banks with Islamic commercial banks are normality test and independent sample t-test. Analysis shows that there are significant differences between the financial performance of conventional banks and Islamic banks. Based on the comparison of financial ratio analysis, conventional bank financial performance is better in terms of CAR, NPL, ROA and BOPO ratios, while the financial performance of Islamic banks is better in terms of LDR ratio

scholarly journals Pengaruh Bauran Pemasaran Terhadap Keputusan Menabung Nasabah Tabungan Mudharobah Koperasi Simpan Pinjam Baitul Maal Wat Tamwil Mujahidin Pontianak

2016 ◽  
Vol 10 (3) ◽  
pp. 458
Author(s):  
Sulaiman 01
Keyword(s):  
Data Collection ◽  
Random Sampling ◽  
Sampling Technique ◽  
Simple Random Sampling ◽  
Marketing Mix ◽  
Coefficient Of Determination ◽  
Consumer Decision ◽  
Descriptive Method

This study aims to determine the effect of the marketing mix in the customer's decision to save the savings mudharobah at BMT Mujahidin KSP Pontianak. This research uses descriptive method with data collection using observation, interviews, and questionnaires. Samples used as many as 100 people with a simple random sampling technique, the  variables used in this research consists of the marketing mix (X) and consumer decision (Y). Results from this study showed that the marketing mix (X) significantly affects the decision of choosing members savings products mudharobah at KSP BMT Mujahidin (Y) with t-count is 25.485 and the value of Adjusted R Square is equal to 0.869. From the 0.932 correlation value which shows the influence of both variables between the marketing mix decisions are categorized as very strong consumer. As for the value of the coefficient of determination (KD) that is obtained is 0.869 which can be interpreted to mean that the variable X has the effect of 0.869 against the decision of choosing members savings products mudharobah at KSP BMT Mujahideen and 0.131 influenced by outside marketing mix.

The Potency of Culinary Tourism in Development of Sharia Tourism at Pekanbaru City

2019 ◽  
Vol 6 (1) ◽  
pp. 1-3
Author(s):  
Zulkifli Zulkifli ◽  
Lolyta Permata ◽  
Boy Syamsul Bakhri
Keyword(s):  
Random Sampling ◽  
Swot Analysis ◽  
Sampling Technique ◽  
Simple Random Sampling ◽  
Positive Influence ◽  
Culinary Tourism ◽  
Calculation Process ◽  
Good Potential ◽  
The Subject ◽  
Descriptive Method

The aim of this research is to determine the potential of culinary tourism in development of sharia tourism at Pekanbaru city.  The subject of this research is culinary tourism in Pekanbaru city, while the object is the potential of culinary tourism in Pekanbaru city. The sampling technique employs simple random sampling, while data collection techniques by distributing questionnaires and documentation. The data analysis used descriptive method and SWOT Analysis where the calculation process uses IFAS, EFAS, and IE matrices. The result of this research found that there is a positive influence on potency of culinary tourism in development of sharia tourism at Pekanbaru City. It can be seen from the metric IFAS value is 3.25, while the result of metric EFAS value is 2.82. Based on the IFAS and EFAS matrices, the final result in the IE matrix shows that there is a significant potential in the cell. In general, it can be concluded that the potential for culinary tourism in development of sharia tourism at Pekanbaru city has good potential.

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