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Journal : Study of Scientific and Behavioral Management (SSBM)

The Impact of Liquidity Risk & Market Risk on the Profitability of Banking Companies Raprayogha, Rusdi; Abdullah, Wahidah; Anugrah, Nurfahri Ramadhan
Study of Scientific and Behavioral Management Vol 1 No 3 (2020)
Publisher : Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/ssbm.v1i3.18254

Abstract

Banks have a very important and strategic role in supporting national economic development. As a financial service institution, one of the real roles of banks is in channeling funds to people who need business capital through micro, small and medium enterprises. Banks are also an industry capable of turning savings into investments. With this strategic function, it is not surprising that banks receive great attention from the government, because banks are a business that is full of risks that occur in the banking system and can have a fatal impact on the economy as a whole.This research is a type of quantitative research. The population in this study were all financial statements of banking companies listed on the Indonesia Stock Exchange for 5 years from 2013 to 2017. The research sample was determined by purposive sampling method. The analysis technique used in this research is multiple linear regression analysis.The results showed that simultaneously the liquidity risk variable, market risk had a significant impact on profitability, and partially the liquidity risk variable had a significant and negative impact on profitability, while the market risk variable had a significant and positive impact on profitability.Based on the results of this research, it can be concluded that the higher the liquidity risk, which is reflected in the LDR, can result in decreased profitability. On the other hand, the higher the LDR indicates a high level of credit but is not followed by a high rate of return (bad credit), so that the bank experiences losses or decreases in profitability. In addition, it shows that when there is an increase in risk in the market, the market will tend to shift its assets to the banking sector which is then considered safer.
Pengaruh Harga dan Promosi Terhadap Loyalitas dalam Memilih Pembiayaan Akad Mudharabah Melalui Kepuasan Sebagai Variabel Intervening (Studi pada Nasabah Bank Syariah Indonesia Cabang Makassar Veteran): Pengaruh Harga dan Promosi Terhadap Loyalitas Transportasi Ojek Online Gojek di Makassar Iryani; Sudirman; Abdullah, Wahidah
Study of Scientific and Behavioral Management Vol 3 No 1 (2022): Fenomena Keuangan, Pemasaran, & Sumber Daya Manusia di masa Covid-19 & New Normal
Publisher : Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/ssbm.v3i1.20243

Abstract

ABSTRACT The aim of this study is to analyze and find out how much influence price and promotion have on customer loyalty in choosing mudharabah contract financing through customer satisfaction as an intervening variable. This research uses quantitative research using an explanatory approach. The results of this study indicate that price and promotion have a positive and significant effect on customer satisfaction, price has a positive and significant effect on customer loyalty, while promotion has a negative and significant effect on customer loyalty and price and promotion have a positive and significant effect on customer loyalty through customer satisfaction at the Bank. Indonesian Sharia Branch Makassar Veterans Keywords: Price, Promotion, Loyalty and Satisfaction. and Mudharabah Agreement
Pengaruh Kecukupan Modal dan Pembiayaan Bermasalah Terhadap Pembiayaan Mudharabah Dengan Profitabilitas Sebagai Variabel Moderating Pada Perbankan Syariah di Indonesia Masnaeni, Masnaeni -; Syariati, Alim; Abdullah, Wahidah
Study of Scientific and Behavioral Management Vol 2 No 1 (2021)
Publisher : Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/ssbm.v2i1.20244

Abstract

ABSTRAKPenelitian ini bertujuan untuk menguji dan mengetahui pengaruh kecukupan modal dan pembiayaan bermasalah terhadap pembiayaan mudhrabah. Selain itu penelitian ini juga bertujuan untuk menguji apakah variabel profitabilitas memoderasi hubungan antara masing-masing variabel kecukupan modal dan pembiayaan bermasalah terhadap pembiayan mudharabah. Metode analisis dan menggunakan regresi berganda dan analisis regresi moderating dengan pendekatan nilai selisih mutlak. Analisis regresi linear berganda dan uji nilai selisih mutlak untuk masing-masing hipotesis capital adequacy ratio, non performing financing terhadap pembiayaan mudharabah yang dimoderasi oleh return on asset. Hasil penelitian menunjukkan bahwa kecukupan modaldan pembiayaan bermasalah berpengaruh negatif signifikan terhadap pembiayaan mudharabah.Hasil penelitian terkait variabel moderating menunjukkan bahwa profitabilitas tidak memiliki pengaruh sebagai variabel moderating antara kecukupan modal dengan pembiayaan mudharabah sedangkan profitabilitas memiliki pengaruh sebagai variabel moderating antara kecukupan Pembiayaan Bermasalah dengan pembiayaan mudharabah.Kata Kunci: Kecukupan Modal, Pembiayaan Bermasalah, Pembiayaan Mudharabah, Profitabilitas
Pengaruh Karakteristik Kewirausahaan dan Modal Usaha terhadap Pengembangan UMKM di Kota Makassar S, Rusnawati; Abdullah, Wahidah; Martati, Martati
Study of Scientific and Behavioral Management Vol 2 No 2 (2021)
Publisher : Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/ssbm.v2i2.21756

Abstract

Penelitian ini bertujuan untuk mengetahui dan menjelaskan pengaruh karakteristik kewirausahaan dan modal usaha pengembangan UMKM Kota Makassar.Penelitian ini merupakan penelitian kuantitatif.Teknik penaraian sampel menggunakan teknik insidental sampling, dan jumlah sampel yang digunakan adalah 100 responden.Teknik pengambilan data yaitu data primer atau data yang diambil langsung dari responden melalui analisis koesioner.Teknik menggunakan regresi linier berganda.Adapun variabel dependen adalah pengembangan UMKM.Penelitian ini memperoleh hasil bahwa karakteristik kewiraushaan dan modal usaha berpengaruh secara parsial terhadap pengembangan UMKM.Kata Kunci :  Karakteristik, Modal Usaha dan Pengembangan UMKM
Pengaruh Trend Dan Brand Image Terhadap Keputusan Pembelian Dengan Gaya Hidup Sebagai Variabel Intervening Pada Pelanggan Jilbab Merek Bella Square Di Kabupaten Kolaka Hijriyanti, Sri Ainun; Effendi, Ahmad; Abdullah, Wahidah
Study of Scientific and Behavioral Management Vol 4 No 1 (2023): Well Being, Entrepreneurship, and Poverty in Muslim World
Publisher : Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/ssbm.v4i1.36868

Abstract

ABSTRACT The aim of this study was to determine the effect of trend and brand image on purchasing decisions intervening by lifestyle on customers of the Bella Square hijab brand in Kolaka district. Structural Equation Modeling (SEM) with the help of the SmartPLS application version 3.0 for Windows is used in this research data analysis technique to examine trends, brand image, purchasing decisions, and style and lifestyle as intervening variables The results of this study indicate that trend has a negative and insignificant effect on purchasing decisions, brand image has a positive and significant effect on purchasing decisions, trend has a positive and significant effect on lifestyle, brand image has a positive and significant effect on lifestyle, lifestyle has a positive and significant effect on purchasing decisions, trend has a positive and significant effect on purchasing decisions through lifestyle as an intervening variable, brand image has a positive and significant effect on purchasing decisions through lifestyle as an intervening variable for customers of the Bella Square hijab brand. Keywords: Trend, Brand Image, Lifestyle and Purchase Decision
Dampak Digital Branding dan Kecintaan Merek pada Ekuitas Merek Kosmetik Make Over di Kota Makassar: Peran Mediasi Kepercayaan Merek Kasim, Nurul Isnaeny; Nofri, Okta; Abdullah, Wahidah
Study of Scientific and Behavioral Management Vol 4 No 2 (2023): Literasi Keuangan 2023
Publisher : Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/ssbm.v4i2.38873

Abstract

ABSTRACT The aims of this study were: 1) To determine the effect of digital branding on brand equity, 2) To determine the effect of brand love on brand equity, 3) To determine the effect of digital branding on brand trust, 4) To determine the effect of brand love on brand trust, 5) To determine the effect of brand trust on brand equity, 6) To determine the effect of brand trust as mediation of digital branding on brand equity, 7) To determine the effect of brand trust as mediation on brand love for brand equity. This research is an associative type of research with a quantitative approach and the research sample is 172 female respondents who use Make Over cosmetics in Makassar City aged 15-29 years. The method for calculating the number of samples uses the Joseph Hair formula and the sampling technique is by means of purposive sampling. This study uses path analysis to analyze data with the help of the SmartPLS program. The results of this study prove that: 1) Digital branding has a positive effect on brand equity, 2) Brand love has a positive effect on brand equity, 3) Digital branding has a positive effect on brand trust, 4) Brand love has a positive effect on brand trust, 5) Brand trust has a positive effect on brand equity, 6) Digital branding has no positive effect on brand equity with brand trust as an intervening variable, 7) Brand love has a positive effect on brand equity with brand trust as an intervening variable. Keywords : Digital Branding, Brand Love, Brand Equity, Brand Trust
Pengaruh Uang Saku dan Gaya Hidup Hedonis Remaja terhadap Proses Keputusan Pembelian Makanan Cepat Saji Burger King di Kota Makssar dengan Perilaku Konsumtif sebagai Variabel Intervening Alfarid, Eko; Akil Rahman, Muhammad; Abdullah, Wahidah
Study of Scientific and Behavioral Management Vol 4 No 3 (2023): Financial Technology Management
Publisher : Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/ssbm.v4i3.41475

Abstract

This research aims to examine the influence of pocket money and the hedonistic lifestyle of adolescents on the decision process of buying fast food with consumptive behaviour as an intervening variable. In this study the variables used are pocket money and hedonistic lifestyle as independent variables, the purchase decision process as a depedent variable, consumptive behavior as an intervening variable (mediation). This research is quantitative research. The data source in this study is sourced from primary data which the data collection method uses a questionnaire method that is distributed to all teenagers in Makassar city. The number of samples used was 100 respondents. With primary data management by using path analysis using the help of Statistical Package for Social Sciencee (SPSS) Software. The results of this study show that partially it wass found that the support of pocket money variables and hedonistic lifestyle variables had a positive and significant effect on the Burger King fast food purchase decision process in Makassar City. Partially pocket money is negative and has no significance influence on consumptive behaviour and hedonistic lifestyle has a positive and significant effect on consumptive behaviour. Indirectly pocket money, and a hedonistic lifestyle affect the purcase decision process through consumptive behaviour. Keywords: Pocket Money, Hedonic Lifestyle, Purchasing Decision Process, Consumptive Behaviour.
Pengaruh Tuntutan Pekerjaan dan Sumberdaya Pekerjaan terhadap Turnover Intention dengan Keterikatan Kerja sebagai Variabel Intervening pada Tenaga Kesehatan Fajriani, Nurul; Suhartini, Eka; Abdullah, Wahidah
Study of Scientific and Behavioral Management Vol 4 No 4 (2023): Human & Capital Management in new era
Publisher : Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/ssbm.v4i4.44608

Abstract

This research aims to examine the influence of Job Demands, Job Resources on Turnover Intention with Work Engagement as an Intervening Variable. This research is quantitative research with an associative approach. The population in this study were nurses who worked at the Faisal Islamic Hospital in Makassar The sample in this study was 96 nurses taken using the Slovin formula. The data collection method uses a quantitative method, where data collection uses a questionnaire distributed directly from the first source or place where the research object is carried out. Hypothesis testing was carried out using linear regression analysis for hypotheses 1, 2, 3, 4 and 5, path analysis and Sobel test for hypotheses 6 and 7 using the SPSS program The results of this study indicate that Job Demands have a negative effect on Work Engagement, Job Resources have a positive and significant effect on Work Engagement, Job Demands have a positive and significant effect on Turnover Intention, Job Resources have a negative and significant effect on Turnover Intention, Work Engagement has a negative and significant effect on Turnover Intention , Job Engagement can mediate the influence of Job Demands on Turnover Intention and Job Engagement can mediate the influence of Job Resources on Turnover Intention Keywords: Job Demands, Job Resources, Turnover Intention, Job Engagement
Pengaruh Kemajuan Teknologi Berbasis Aplikasi Digital terhadap Kualitas dengan Efektivitas Kerja Pegawai sebagai Variabel Intervening pada PT. PLN (PERSERO) Unit Induk Wilayah Sulselbar Syamsuryani, Syamsuryani; Abdullah, Wahidah; Jafar, Ahmad
Study of Scientific and Behavioral Management Vol 5 No 1 (2024): The Strength of Management Influences
Publisher : Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/ssbm.v5i1.46115

Abstract

ABSTRACT This study aims to determine the effect of advances in digital application-based technology on work quality through employee work effectiveness at PT. PLN (Persero) Sulselrabar Main Unit. In the research, the variables used are advances in technology based on digital applications as the independent variable, work quality as the dependent variable and work effectiveness as the intervening variable.The type of research used is quantitative research with an associative approach. Data collection techniques in this study used questionnaires and documentation, with a total sample of 135 respondents.. In this study using SPSS 26 software as a data analysis technique. The results showed that advances in digital application-based technology had a positive and significant effect on work effectiveness, advances in digital application-based technology had a positive and significant effect on work effectiveness, work effectiveness had a positive and significant effect on work quality, and advances in digital application-based technology had a positive and significant effect on work quality through employee work effectiveness Keywords: Advances in Digital Application-Based Technology, Quality of Work, Work Effectiveness.
Pengaruh Customer Bonding dan Customer Realtionship Marketing terhadap Loyalitas Pelanggan BNI Kota Makassar dengan Kepuasan Pelanggan Sebagai Variabel Intervening Ria, Jumriah; Effendi, Ahmad; Abdullah, Wahidah
Study of Scientific and Behavioral Management Vol 5 No 2 (2024): Business Management
Publisher : Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/ssbm.v5i2.46725

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh customer bonding dan customer relationship marketing terhadap loyalitas pelanggan BNI Kota Makassar dengan kepuasan pelanggan sebagai variabel intervening. Penelitian ini menggunakan data primer dan data sekunder, teknik penentuan sampel yang digunakan dalam penelitian ini adalah purposive sampling dengan pengukuran menggunakan rumus Hair, sehingga jumlah sampel dalam penelitian ini sebanyak 170 responden. Objek penelitian ini yaitu pelanggan atau nasabah bank BNI Kota Makassar. Jenis penelitian yang digunakan adalah penelitian kuantitatif dan teknik analisis data dalam penelitian ini yaitu menggunakan Structural Equation Modeling (SEM) dengan menggunakan bantuan SmartPLS versi 4.0 for windows, Berdasarkan hasil penelitian yang telah dilakukan menunjukkan Customer Bonding berpengaruh positif dan signifikan terhadap Loyalitas Pelanggan BNI Kota Makassar, Customer Relationship Marketing berpengaruh positif dan signifikan terhadap Loyalitas Pelanggan BNI Kota Makassar, Customer Bonding berpengaruh terhadap Kepuasan Pelanggan BNI Kota Makassar, Customer Relationship Marketing berpengaruh positif dan signifikan terhadap Kepuasan Pelanggan BNI Kota Makassar, Kepuasan Pelanggan berpengaruh positif dan signifikan terhadap Loyalitas Pelanggan BNI Kota Makassar, Kepuasan Pelanggan berpengaruh positif dan signifikan memediasi pengaruh Customer Bonding terhadap Loyalitas Pelanggan BNI Kota Makassar, Kepuasan Pelanggan tidak berpengaruh positif dan signifikan memediasi pengaruh Customer Relationship Marketing terhadap Loyalitas BNI Kota Makassar. Kata kunci: Bank Negara Indonesia (BNI) Customer Bonding, Customer Relationship Marketing, Loyalitas Pelanggan, Kepuasan Pelanggan