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All Journal Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences International Journal Of Science, Technology & Management (IJSTM) Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) MULTIPLE: Journal of Global and Multidisciplinary
Hajar Affiah
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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.
Efforts to Improve Mudharabah Finance of Sharia Commercial Banks through Third Party Funds and Return on Asset Adetia Azmi Tanjung; Hajar Affiah
Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 4, No 2 (2021): Budapest International Research and Critics Institute May
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v4i2.2026

Abstract

The main focus of this study is to analyze the effect of both partial and simultaneous third party funds and return on assets on mudharabah financing at Islamic Commercial Banks. The approach used in this study is a quantitative approach, because the data measurement uses a numerical scale (numbers). The population and sample in this study are the financial statements of Islamic Commercial Banks containing third party funds, return on assets and mudharabah financing. The years 2016 to 2019 were chosen as the sample for this study. The results showed that partially only third party funds had a positive and significant effect on mudharabah financing, while return on assets had no effect. Then simultaneously the two variables of third party funds and return on assets have a positive and significant effect on mudharabah financing at Islamic Commercial Banks.
Analisis Penetapan Pendapatan Asli Daerah Pada Belanja Daerah Di Kantor Dinas Pertanian Kabupaten Asahan Dang Panagaman Tamba; Faulia Anggeraini; Hajar Affiah
MULTIPLE: Journal of Global and Multidisciplinary Vol. 2 No. 2 (2024): Februari
Publisher : Institute of Educational, Research, and Community Service

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Perhitungan penetapan pendapatan asli daerah dan belanja daerah dimaksudkan untuk menilai keseuaian anggaran dengan realisasi belanja yang dilakukan di Dinas Pertanian Kabupaten Asahan. Serta tetap mempertahankan tingkat efisiensi dan efektivitasnya dimana setiap tahun mengalami perubahan yang sangat baik dan tingkat efisien tiap tahunnya masuk dalam kriteria yang sangat efisisen. Tujuan penelitian ini adalah untuk mengetahui penetapan pendapatan asli daerah terhadap belanja daerah di Dinas Pertanian Kabupaten Asahan. Peneliti menggunakan metode analisa deskriptif kualitatif. Teknik pengumpulan data menggunakan observasi, dokumentasi serta studi kepustakaan, sedangkan analisis data dengan teknik pengkuran rasio dengan menggunakan rasio pertumbuhan, rasio efektivitas dan tingkat efisiensi. Hasil penelitian menunjukkan bahwa pengelolaan tingkat pertumbuhan pendapatan asli daerah pada Dinas Pertanian Kabupaten Asahan mengalami kenaikan target dan realisasi yang terjadi. Tahun 2017 mengalami pertumbuhan sebesar 14%, tahun 2018 naik menjadi 15% kemudian di tahun 2019 mengalami kenaikan yang signifikan menjadi 26%. Begitupun pada tingkat efektivitas pendapatan asli daerah dan belanja daerah mengalami peningkatan dengan tingkat kreteria yang efektif. Pada efisiensi belanja daerah tahun 2017 sebesar 45,51%, tahun 2018 sebesar 56,53%, dan tahun 2019 tingkat efisiensi sebesar 57,70% sehingga anggaran belanja di Dinas Pertanian Kabupaten Asahan sudah memiliki kreteria yang sangat efisien.
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 Dang Panagaman Tamba Durahman Marpaung Faulia Anggeraini Inda Arfa Syera Tanjung, Adetia Azmi