Pengaruh Premi, Risiko, Kualitas Pelayanan Islami terhadap Minat Menjadi Nasabah Asuransi Prudential Syariah Bogor

In the current era of globalization, the insurance world in Indonesia is experiencing very sharp competition between insurance companies and makes the company the most superior. The company's competition is not except for insurance service companies. Every insurance company hopes to achieve its goals, grow every year, and achieve success. This success can come from affordable insurance premiums, minimal risk and good service quality. This study aims to see the effect of premium, risk and quality of Islamic services on interest in becoming a customer at Prudential Syariah Bogor Insurance. The method used in this study is a quantitative method. The population in this study is the Bogor Sharia Prudential Insurance customers with a sample of 80 respondents. The data analysis method used is SEM-PLS. research results show that: 1) The premium variable has a positive and significant effect on interest in becoming a customer, 2) The risk variable has a positive but not significant effect on interest in becoming a customer, 3) Islamic service quality variable has a positive and significant effect on interest in becoming a customer. For Prudential Syariah Bogor Insurance can conduct research and risk measurement for the development of insurance products so that they can offer insurance products that facilitate a wider variety of risks, the greater the public's desire to use insurance services.

Faktor-Faktor Risiko Terhadap Keterlambatan Proyek Konstruksi di Wilayah Denpasar, Bali

The construction projects are always faced with the possibility of risk problems. The rapid development in the Denpasar area is in line with the many construction projects, especially buildings such as hotel construction, construction of new school buildings, etc. For construction projects in Denpasar, risk control is necessary. In this regard, it is necessary to research the Analysis of Risk Factors. This study aimed to determine the dominant risk factors causing construction project delays, mitigation and risk ownership of the dominant risk factors. This research used the quantitative descriptive analysis method. The measuring instrument of this study used a questionnaire and interviews with contractor respondents. Based on the results, the dominant risk analysis was labor risk with an average frequency value of 13.70 and 17.13 consequences. The dominant question from the labor risk variable was the low productivity of the workforce due to lack of experience with a frequency percentage of 46.67% who answered rarely and 53.33% who often answered. In comparison, the percentage of consequences was 70.00% answered big and 30.00% answered very largely. Risk response that can be done is to recruit new workers and place them according to their skills. The study's ownership of risk was the contractor due to the contractor's error in employing workers in the field.

Pengaruh risiko pasar dan tingkat kecukupan modal terhadap profitabilitas pada bank BNI periode 2013 – 2020

In the banking industry, every company always try to avoid risk, both inside and outside of the organization business entity. The purpose of this study was to determine whether the bank's market risk (NIM) and capital adequacy ratio (CAR) BNI from 2013 to 2020 had a simultaneous or partial effect on profitability (ROA). The type of this study is quantitative study. The population in this study is BNI’s quarterly financial reports from 2013 to 2020. Up to 30 study samples were obtained. The analysis technique used in this study is multiple linear regression analysis with the help of the IBM SPSS Statistics 25 program. The results showed that: (1) Simultaneously, market risk (NIM) and the level of capital adequacy ratio (CAR) have a significant effect on profitability (ROA), (2) Partially, the results on the market risk variable (NIM) have a significant effect and have a positive relationship on profitability (ROA), (3) Partially, the results on the variable level of capital adequacy ratio (CAR) have a significant effect and have a positive relationship to profitability (ROA).

Associations between the composition of Functional Tooth Units and nutrient intake in older men: The Concord Health and Ageing in Men Project

Objective: Inadequate nutrient intakes have been linked with poor dentition in older adults. The aim of this study was to investigate the associations between composition of Functional Tooth Units (FTUs) and nutrient intakes in older men. Design: A cross-sectional study with a standardized validated diet history assessment and comprehensive oral health assessments. FTUs were categorised by dentition type; (i) Group A (Natural FTUs Only) (ii) Group B (Natural and Replaced FTUs) and (iii) Group C (No Natural FTUs). Attainment of Nutrient Reference Values (NRVs) for 16 micronutrients was incorporated into a Micronutrient Risk variable, dichotomised 'good’ (≥12) or 'poor’ (≤11), and for 7 macronutrients into a Macronutrient Risk variable, dichotomised 'good’ (≥5) or 'poor’ (≤4). Setting: Subjects selected from the local Sydney geographical areas. Participants: Community dwelling older men (n=608). Results: 32% (n=197) of participants were categorized as Group A, 27% (n=167) as Group B and 40% (n=244) as Group C. In adjusted logistic regression analysis being in Group C, compared to Group A, was associated with intakes below NRV recommendations for fibre (OR:2.30, 95%CI 1.30 - 4.05). Adjusted analysis also showed that men in Group C, compared to Group A, were more likely to have poor intake of macronutrients (OR:2.00, 95%CI 1.01 – 3.94). Conclusions: Our study shows statistically significant associations between composition of FTUs and poor macronutrient intakes. Maintaining natural pairs of occluding FTUs may be important for attaining adequate nutrient intakes in older men.

DO LIQUIDITY AND CAPITAL ADEQUACY RATIO MATTER FOR ISLAMIC BANKS PERFORMANCE IN INDONESIA? AN ANALYSIS USING FINANCING RISK AS MEDIATOR

This study is driven by the inconsistent findings of previous research on assessing the determinants of banks' performance. In addition, financing risk has been indicated as a significant variable in mediating the related research but failed to incorporate in previous research. Therefore, this study aims to assess the role of liquidity and Capital Adequacy Ratio (CAR) on Islamic bank's performance in Indonesia using financing risk as a mediator. Data were collected from 14 samples operating in Indonesia in the period 2013-2019. They were then analyzed using Partial Least Squares – Structural Equation Modelling (PLS-SEM) with Warp PLS 7.0 as a tool of analysis. The results show that variable liquidity (FDR) significantly influences Bank Performance mediated by Financing Risk (NPF). Meanwhile, variable CAR shows no significant influence on Bank Performance even when it was mediated by the Financing Risk variable (NPF). This finding implies that providing short-term financing is more profitable for an Islamic bank than a longer one. This finding is in line with the Commercial Loan Theory, which states that it is better to provide loans in the short term to minimize the possibility of defaults that will impact the bank's performance.==================================================================================================ABSTRAK – Apakah Likuiditas dan Rasio Kecukupan Modal mempengaruhi Kinerja Bank Syariah di Indonesia? Suatu Analisis menggunakan Risiko Pembiayaan sebagai Mediator. Penelitian ini didorong oleh tidak konsistennya temuan penelitian sebelumnya dalam menilai determinan kinerja bank. Selain itu, risiko pembiayaan telah terindikasi sebagai variabel yang signifikan dalam memediasi pengaruh beberapa variabel penilaian kinerja bank syariah, tetapi tidak diakomodir dalam penelitian-penelitian sebelumnya. Oleh karena itu, penelitian ini bertujuan untuk menilai peran variabel likuiditas dan CAR terhadap kinerja bank syariah di Indonesia dengan menggunakan risiko pembiayaan sebagai mediator. Data penelitian dikumpulkan dari 14 bank syariah yang beroperasi di Indonesia. Analisis data dilakukan dengan menggunakan PLS-SEM dengan WarpPLS 7.0. Hasil penelitian menunjukkan bahwa likuiditas berpengaruh terhadap kinerja bank bank syariah dengan dimediasi oleh risiko pembiayaan (NPF). Sedangkan variabel CAR tidak menunjukkan pengaruh yang signifikan terhadap kinerja bank syariah walaupun dimediasi oleh NPF. Penelitian mempunyai implikasi bahwa memberikan pembiayaan jangka pendek lebih menguntung bagi bank syariah dari pada pembiayaan jangka panjang. Hal ini sejalan dengan Commercial Loan Theory yang menyebutkan bahwa memberikan pinjaman dalam jangka pendek lebih menguntungkan karena dapat meminimalisir terjadinya wanprestasi yang berdampak pada peningkatan kinerja bank.

Voluntary Disclosure of GRI and CSR Environmental Criteria in Colombian Companies

The study analysed the asymmetry in the disclosure of environmental criteria of the Global Reporting Initiative (GRI) standard based on financial and non-financial information in 37 companies in 19 sub-sectors of the Colombian economy that were assessed by MERCO (Business Monitor of Corporate Reputation) in 2017 and 2018 in terms of corporate reputation, responsibility, and corporate governance. It is based on the theories of agency, stakeholders, and legitimacy, whereby six hypotheses were postulated. The indicators of environmental criteria were retrieved from the website and sustainability reports of each company, using a dichotomous approach for collecting information on environmental activities. The hypotheses were contrasted with a binary choice and panel data models. The results showed that increasing quality and transparency in voluntarily disclosed information decreases its asymmetry, thereby meeting the information needs of stakeholders, providing confidence, and strengthening corporate social responsibility (CSR) activities. In addition, the most indebted and largest companies disclose less information on environmental activities, in contrast to companies with higher solvency. Overall, the study contributed with the calculation of an asymmetry ratio with the MERCO indicators and the use of the insolvency risk variable as an explanatory variable for disclosure. Additionally, it contributed to the field of study of CSR from the Latin American context.

Aspek Yang Berpengaruh Terhadap Struktur Modal Pada Industri Makanan Dan Minuman Yang Tercatat Di Bursa Efek Indonesia Periode 2016-2018

The research was conducted at Food and Beverage Companies listed on the Indonesia Stock Exchange for the period 2016-2018 with the aim of knowing the factors that influence capital structureThis research uses associative research. The sample of this study was determined by purposive sampling method based on criteria. Data analysis method in the form of multiple linear regression analysis. The results showed that simultaneously it can be seen that the variables Business Risk, Asset Structure, and Firm Size simultaneously have a significant effect on the Capital Structure as evidenced by the value of Fcount > Ftable with a significant level α = 0.05, partially the Business Risk variable has no significant effect on Capital Structure, while the Asset Structure and Company Size variables have a significant positive effect on Capital Structure as evidenced by t count > t table.

The Effect of Sukuk Issuance on Price Reaction and Growth of Sharia Capital Market

This study aims to analyze the effect of the value of Sukuk, Sukuk rating, and risk of Sukuk on the growth of the Islamic capital market mediated by Sukuk price during the period of 2014-2019 using value at risk. This study uses secondary data obtained from the Indonesia Stock Exchange and The Indonesian Capital Market Institute. Data were analyzed using the SPSS statistical program with path analysis techniques. The results of this study indicate that the variable value of Sukuk and the rating of Sukuk have a positive and significant effect on the price reaction of Sukuk, while the risk variable of Sukuk shown a negative and significant score. The variable value of Sukuk has a positive and significant effect on the reaction to the growth of the Islamic capital market, while negative and significant results are indicated by the variable rating of Sukuk and the risk variable of Sukuk. The Sukuk price reaction variables have a positive and significant effect on the reaction to the growth of the Islamic capital market. Interestingly, the study found that the Sukuk price reaction variable is unable to mediate the relationship between the value of Sukuk and the growth reaction of the Islamic capital market. This mediation result is also the same for the Sukuk rating and Sukuk risk.

The effect of third-party funds, credit risk, market risk, and operational risk on profitability in banking

The study aimed to investigate the effect of third-party funds, credit risk, market risk, and operational risk on profitability in banking, especially on the banks included in BUKU 2 category simultaneously or partially. The sampling technique used in the study was saturated sampling. Therefore, a number of 54 banks was obtained as samples. The data in the study were quantitative data, namely in form of financial statements of banking companies included in BUKU 2 category for the period 2014–2017. The data were obtained from the websites of the concerned banks. The research method used was multiple linear regression analysis. In the study, to measure the third-party funds variable we used third-party fund (TPF) ratio, to measure the credit risk variable we used non-performing loan (NPL) and non-performing financing (NPF) ratio, to measure the market risk variable we used net interest margin (NIM) ratio, to measure the operational risk variable we used BOPO ratio, and to measure the profitability variable we used return on assets (ROA) ratio. The result of the study showed that partially third-party funds and credit risk had no significant effect on profitability, partially market risk had a significant positive effect on profitability, and partially credit risk had a significant negative effect on profitability. While simultaneously, third-party funds, credit risk, market risk, and operational risk had a significant effect on profitability.

THE EFFECT OF SYSTEMATIC RISK AND UNSYSTEMATIC RISK ON EXPECTED RETURN OF OPTIMAL PORTFOLIO

The purpose of this research is to search out empirical proof that the expected return of shares portfolio is influenced by the presence of systematic and unsystematic risk. The population in this study was a combination of shares portfolio of non-financial companies listed in the LQ45 stock index during the period 2015 - 2019. The technique for sampling in this research using the technique of purposive sampling with a sample of 7 companies combined into 120 samples. The results of the study were obtained from data that had been analyzed using a test of descriptive statistics, a test of classical assumption, determinant coefficients test, and analysis of multiple linear regression through the help of the SPSS application. The results of the research on the F-test showed that the simultaneous systematic risk (X1) and unsystematic risk (X2) have a significant and positive impact on the expected return of portfolio (Y). The results of the t-test showed that partially the systematic risk variable (X1) has a negative and significant impact on the optimal portfolio expected return (Y), and partially the unsystematic risk variable (X2) has a significant and positive impact on the expected return of optimal portfolio (Y). The variable probability of systematic and unsystematic risk has an impact of 53.5% on the expected return on the basis of the effects of the coefficient of determination in this analysis, while the remaining 46.5% is determined by other factors that are not tested.