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All Journal CALYPTRA : Jurnal Ilmiah Mahasiswa Universitas Surabaya
Eko Walujo Suwardyono
Fakultas Bisnis dan Ekonomika Universitas Surabaya
Education

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ANALISIS FAKTOR YANG MEMPENGARUHI TINGKAT PEMBIAYAAN BANK SYARIAH DI INDONESIA Iqbal Andhi Brianto; Sugeng Hariadi; Eko Walujo Suwardyono
CALYPTRA Vol. 7 No. 2 (2019): Calyptra : Jurnal Ilmiah Mahasiswa Universitas Surabaya (Maret)
Publisher : Perpustakaan Universitas Surabaya

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Abstract

This study was conducted to determine the effect of DPK, ROA, CAR, BOPO, and NPF on various financing that is Mudharabah, Musyarakah, Murabahah, Qardh, Istishna and Ijarah at two sharia commercial banks in Indonesia. This study uses data from the annual financial statements of two Islamic banks in Indonesia, namely Bank Syariah Mandiri and Bank Muamalat in the period 2007-2015. Analyzer used in this research is multiple regression. The results showed that DPK, ROA, CAR, BOPO, and NPF simultaneously affect each type of financing, namely Mudharabah, Musyarakah, Murabahah, Qardh, Istishna, Ijarah. DPK Variable Influence Positive To Mudharabah, Musyarakah, Murabaha, Qardh, and Ijarah. Negatively affect Istishna. ROA variables have positive effect on Murabahah, Qardh, Istishna, and Ijarah. But it does not affect Mudharabah and Musyarakah.Variabel CAR positive effect on Murabahah, Qardh, Istishna, and Ijarah. Negatively affected Musharaka. But it does not affect Mudharabah. BOPO variables have positive effect on Qardh. But it does not affect Mudharabah, Musyarakah, Murabahah, Istishna and Ijarah. The NPF variable has a positive effect on Musyarakah, Murabahah, Istishna and Ijarah. But negatively negatively to Mudharabah and Qardh.
ANALISIS KEPUASAN MAHASISWA TERHADAP PENGGUNAAN INTERNET BANKING REFERENSI DARI PERGURUAN TINGGI (STUDI KASUS: PERGURUAN TINGGI DI KOTA SURABAYA) DINY PUTRI LARAS S.; Sugeng Hariadi; Eko Walujo Suwardyono
CALYPTRA Vol. 7 No. 2 (2019): Calyptra : Jurnal Ilmiah Mahasiswa Universitas Surabaya (Maret)
Publisher : Perpustakaan Universitas Surabaya

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Abstract

The purpose of this study is to find out whether the students who have owned and used internet banking service facilities from banks that have been determined by the college really feel the satisfaction caused by the efficient level, benefits and security of the internet banking usage. And is it true that efficiencies, benefits and security together have a causal relationship to the level of student satisfaction in the use of internet banking services from banks that have been determined by the college. Questionnaires distributed to respondents are limited only to students in private universities ie universities surabaya who have experience at least 1 year using internet banking. While the sampling using accidental sampling method. The results showed that all the students who own and use internet banking service facility feel satisfaction based on the causal relationship by each of 3 object that is efficient, benefit and security with significant level less or equal to alfa 5%. Except, the object of benefit is significant at alpha 5.2%. And together these three objects are efficient, benefits and security provide a significant positive relationship to the level of student satisfaction as consumers of internet banking service users of the banks that have been suggested by the college.
Co-Authors DINY PUTRI LARAS S. Iqbal Andhi Brianto Sugeng Hariadi