Ashari, Teguh
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Determinant of Financial Performance of Islamic Credit and Financing Union (KSPPS) in Salatiga Ashari, Teguh; Widiyanto, Widiyanto; Yulianto, Arief
Journal of Economic Education Vol 7 No 2 (2018): December 2018
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jeec.v7i2.26957

Abstract

The high growth of Islamic Credit and Financing Union (KSPPS) in Indonesia encounters several problems, and one of which is financial performance. This study attempts to uncover the factors influencing financial performance of Islamic Credit and Financing Union (KSPPS) in Salatiga using Pecking Order Theory (POT) inits analysis. POT explains how company’s preference uses fund in doing their operational activity. The expected factors influencingIslamic Credit and Financing Union (KSPPS)’s financial performance are Capital Adequacy Ratio (CAR), Non Performing Finance (NPF), Financing to Deposit Ratio (FDR), Operating Expenses-Operating Income (OEOI), and capital structure. The analysis methodology of this study is multiple panel regression employing software Eviews 9. The result of regression test shows that OEOI affects partially towards Return on Asset (ROA). In contrast, the other factors such as CAR, NPF, and capital structure do not have any significant influence towards ROA. The differencesbetween this study and previous studies are on the city-scopefinancial data of Islamic Credit and Financing Union (KSPPS) and the use of POT implemented to explain financial performance.
The Influence of Trust, Peers, and Enjoyment on Online Donations and Continuation Intentions: An Ethical Philanthropic Approach in Islamic Economics Utami, Cahyaning Budi; Slamet; Ashari, Teguh; Dedi Kurniawan
JOURNAL OF ISLAMIC ECONOMICS AND BUSSINES ETHICS Vol 2 No 3 (2025): on Progress
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jiesbi.v2i3.399

Abstract

Indonesia was named the most generous country from 2018 to 2024. A significant case of donation misappropriation by an agency in early July 2022 prompted varied societal reactions.  This study examines the effects of trust in online donation platforms, peer influence, and enjoyment in helping on online donation and forwarding intentions, as well as the impact of these intentions on behavioral frequency. Data were collected via a survey of 106 Indonesian citizens who had received information about online donations in the past year. The analysis employed Structural Equation Modeling-Partial Least Squares (SEM-PLS). Results indicate that trust and peer influence have a significant and positive impact on forwarding intention but do not significantly affect online donation intention. Enjoyment in helping significantly impacts both online donation and forwarding intentions. Furthermore, online donation intention significantly affects donation frequency, and forwarding intention significantly impacts forwarding frequency. This study provides managerial implications for online donation platforms, suggesting they involve donors in the distribution process to create a positive impression.