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All Journal International Journal Of Science, Technology & Management (IJSTM) Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) International Journal of Economics (IJEC)
Inda Arfa Syera
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The Effect of Financing and Operational Income on Profit Sharing Return on Mudharabah Deposits for Islamic Commercial Banks Faulia Anggeraini; Inda Arfa Syera
International Journal of Science, Technology & Management Vol. 2 No. 4 (2021): July 2021
Publisher : Publisher Cv. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46729/ijstm.v2i4.295

Abstract

The purpose of this study is to determine the effect of financing and operating income on the return for the results of mudharabah deposits in Islamic commercial banks. The stages of the research method used are the research approach, population and sample, operational definitions, types and sources of data, data collection techniques, data analysis, location and time of research as well as tools and materials. Based on the conclusions found in this study, there is a significant influence of financing variables and operating income variables on the return for the results of Islamic Commercial Bank mudharabah deposits, this is evidenced by the results of research conducted by researchers where the significance value (sig) of 0.001 is smaller than the probability of 0.05 , so it can be concluded that H0 is rejected and Ha is accepted, which means that there is an influence of financing and operating income on the return on profit sharing from mudharabah deposits of Islamic Commercial Banks.
Factors Affecting Return Share Of Mudharabah Deposits Sharia Commercial Banks Inda Arfa Syera; Hajar Affiah
International Journal of Science, Technology & Management Vol. 2 No. 5 (2021): September 2021
Publisher : Publisher Cv. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46729/ijstm.v2i5.312

Abstract

The specific purpose of this study is to determine the factors that affect the return for the results of Islamic Bank deposits. The approach used in this research is a quantitative approach. The data used in the form of secondary data in the form of time series originating from the website of the Financial Services Authority (OJK) with the link www.ojk.go.id regarding the amount of return for mudharabah deposit results, Capital Adequacy Ratio, Non Performing Financing, Financing to Deposit Ratio and Inflation originating from the website of Bank Indonesia (BI) with the link www.bi.go.id. The population is monthly data from January 2016 to December 2019 period while the sample is annual data from 2016 to 2019. The research analysis conducted is multiple linear regression, classical assumption test (normality test, heteroscedasticity multicollinearity test and autocorrelation test), and test statistics (coefficient of determination (R2), statistical F test, and statistical t test). The results of this study are the variables of Capital Adequacy Ratio, Non-Performing Financing, Financing to Deposit Ratio and Inflation have a significant effect simultaneously (simultaneously) on the variable of Profit Sharing for Mudharabah Deposits for Islamic Commercial Banks.
The Influence of Financial Literacy, Financial Inclusion, and the Ability to Prepare Financial Reports Against MSME Financial Performance Asahan District Windi Triana; Inda Arfa Syera
International Journal of Economics (IJEC) Vol. 2 No. 2 (2023): July-December
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v2i2.567

Abstract

The aim of this research is to examine the influence of financial literacy, financial inclusion, and the ability to prepare financial reports on the financial performance of MSMEs in Asahan Regency. The type of research used is a quantitative method by processing primary data obtained from respondents' answers to questionnaire statements which are distributed directly to respondents and then analyzed using the Statistical Program for Social Science (SPSS) software. The object of this research is MSME actors who are registered with the Office of Cooperatives, Industry, Trade and Investment of Asahan Regency. The analysis techniques used are descriptive statistics, classical assumption tests (normality test, multicollinearity test and heteroscedasticity test), multiple linear regression, and hypothesis testing (F statistical test, and t statistical test, as well as the coefficient of determination test (R2). Based on the research results using a simultaneous test (f test) it can be seen that financial literacy, financial inclusion and the ability to prepare financial reports have a simultaneous effect on the financial performance of Asahan Regency MSMEs. Based on a partial test (t test) it can be seen that the financial literacy variable has a positive and significant effect on financial performance Asahan Regency MSMEs, the financial inclusion variable has a negative and insignificant effect on the financial performance of Asahan Regency MSMEs, and the ability variable to prepare financial reports has no effect on the financial performance of Asahan Regency MSMEs.
THE ROLE OF ENGLISH LANGUAGE SKILLS IN AGRICULTURAL TECHNOLOGY TRANSFER: A STUDY OF FARMERS AND EXTENSION AGENTS IN IMPROVING RICE SELF-SUFFICIENCY IN LABUHANBATU SELATAN Hajar Affiah; Durahman Marpaung; Inda Arfa Syera
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 6 No. 1 (2026): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.18639538

Abstract

This research aims to analyze the extent to which English language proficiency influences the success of agricultural technology transfer in Labuhanbatu Selatan Regency, and how this supports increased rice productivity and local food security. The research also aims to identify barriers and formulate strategies for strengthening English language capacity among farmers and extension workers. This research was used a mixed-methods approach, combining qualitative and quantitative methods with survey and observation designs. The qualitative method was conducted using the NVivo application to determine the most frequently occurring words in the data word frequency search, displaying data analysis in the form of tables, Hierarchy Charts, Mind Maps, and Hierarchy Chart Project Maps. The quantitative method used SPSS through classical assumption test, multiple linear regression, and hypothesis testing. Data was collected through interviews and the distribution of questionnaires to 215 respondents, consisting of rice farmers and agricultural extension workers, which was calculated using Slovin's formula, resulting in a research sample of 140 people. The results of this study indicate that English language proficiency has a significant influence on the transfer of agricultural technology. Quantitative findings show that 90.4% of the variation in technology transfer can be explained by English language proficiency, while qualitative results highlight the constraints of understanding technical terms and the role of extension workers as mediators in transferring new agricultural technologies to farmers. As for the relationship between the two, it shows that improving English language skills is a key strategy in accelerating the adoption of agricultural technology to support increased rice self-sufficiency in Labuhanbatu Selatan Regency.
Co-Authors Durahman Marpaung Faulia Anggeraini Hajar Affiah Windi Triana