Imam Teguh Saptono
Institut Pertanian Bogor

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KAITAN KONDISI MAKROEKONOMI DENGAN NON PERFORMING FINANCING BERDASARKAN SEKTOR EKONOMI PADA PERBANKAN SYARIAH DI INDONESIA Nunung Nuryartono; Imam Teguh Saptono; Guruh Herman
Jurnal Keuangan dan Perbankan Vol 20, No 1 (2016): January 2016
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (328.424 KB) | DOI: 10.26905/jkdp.v20i1.153

Abstract

AbstractThis study attempts to identify the effect of macroeconomic variables to Non Performing Financing (NPF)based on economic sector of Islamic banking in Indonesia. The macroeconomic variables used in this study areSertifikat Bank Syariah Indonesia (SBIS), Industrial Production Index (IPI), inflation, and exchange rate.Thedata usedin this studyis amonthly time series data and secondaryin the period January 2009 to December 2014. The analytical method used is Vector Error Correction Model (VECM). Based on the result of simulating Variance Decomposition (VD) and Impulse Response Function (IRF), it is found that, exchange rate tends to be theinnovation of the smallest in the short-term and long-term. The conclusion that in the short term or long term, changes in macroeconomic variables affects the NPF of the four sectors with the amount of variability of thirtyto fifty percent, which NPF agriculture, forestry and agricultural inputs, mining, industry, and transport,storage and communication.
Pengaruh Persepsi Bauran Pemasaran, Penjualan Kendaraan, Dan Program Loyalitas Terhadap Pembelian Ban Di Pasar Replacement Panji Septiaji; Megawati Simanjuntak; Imam Teguh Saptono
Jurnal Doktor Manajemen (JDM) Vol 3, No 1 (2020): APRIL 2020
Publisher : Universitas Mercu Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22441/jdm.v3i1.10144

Abstract

Pasar untuk ban mobil terus tumbuh dan berkembang, karena hingga saat ini belum ada kendaraan massal yang bisa berjalan tanpa menggunakan ban, sehingga ban merupakan komponen utama dalam mobilisasi kendaraan. Semakin banyak jumlah mobil yang beredar, maka semakin banyak juga penjualan ban di pasar. Pemilihan strategi pemasaran pada industri ban harus memberikan efek yang cukup signifikan terhadap penjualan karena terkait dengan biaya yang dikeluarkan. Pada suatu kondisi tertentu jumlah biaya yang dikeluarkan untuk mengadakan aktifitas promosi maupun program loyalitas besarnya bisa mencapai 50 persen jika dibandingkan dengan net profit yang didapatkan. Berdasarkan penelitian terdapat perbedaan persepsi bauran pemasaran, penjualan kendaraan, dan program loyalitas yang dilakukan oleh merek ban ABC, XYZ, dan BCD. Pada merek ABC, persepsi produk merupakan variabel yang berpengaruh signifikan terhadap sikap sedangkan untuk merek XYZ dan BCD persepsi produk, harga, dan promosi berpengaruh signifikan terhadap sikap. Hal tersebut sama dengan hasil perhitungan SEM dengan menggabungkan tiga merek tersebut dengan hasil persepsi produk, harga, dan promosi berpengaruh signifikan hanya terhadap sikap. Hasil penelitian juga menunjukkan tidak terdapat pengaruh signifikan antara sikap terhadap pembelian.
Macroeconomic Impact of Sharia Business Unit of Indonesian Islamic Banking On Liquidity Asymmetric Approach Muadz Abdul Hakim; Noer Azam Achsani; Imam Teguh Saptono
MALIA: Journal of Islamic Banking and Finance Vol 7, No 1 (2023): Malia: Journal of Islamic Banking and Finance
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v7i1.20892

Abstract

This study aims to determine the impact of macroeconomics on the liquidity of Indonesian Sharia Business Units (UUS). The liquidity in this study uses the Financing to Deposit Ratio (FDR). In contrast, the Macro Factors used are Inflation, Rupiah to Dollar Exchange Rate, BI Rate and Gross Domestic Product (GDP). The method used Nonlinear Autoregressive Distributed Lag (NARDL) method with data from January 2015 - June 2022. The results showed that in the long term, that affect UUS liquidity are Positive Rate, Negative Rate, Positive GDP, and Negative GDP, in the short term Inflation, Exchange Rate, Rate, and GDP are both positive and negative. Results show that UUS liquidity is vulnerable to changes in Indonesia's macroeconomic factors.
Macroeconomic Impact of Sharia Business Unit of Indonesian Islamic Banking On Liquidity Asymmetric Approach Muadz Abdul Hakim; Noer Azam Achsani; Imam Teguh Saptono
MALIA: Journal of Islamic Banking and Finance Vol 7, No 1 (2023): Malia: Journal of Islamic Banking and Finance
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v7i1.20892

Abstract

This study aims to determine the impact of macroeconomics on the liquidity of Indonesian Sharia Business Units (UUS). The liquidity in this study uses the Financing to Deposit Ratio (FDR). In contrast, the Macro Factors used are Inflation, Rupiah to Dollar Exchange Rate, BI Rate and Gross Domestic Product (GDP). The method used Nonlinear Autoregressive Distributed Lag (NARDL) method with data from January 2015 - June 2022. The results showed that in the long term, that affect UUS liquidity are Positive Rate, Negative Rate, Positive GDP, and Negative GDP, in the short term Inflation, Exchange Rate, Rate, and GDP are both positive and negative. Results show that UUS liquidity is vulnerable to changes in Indonesia's macroeconomic factors.