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All Journal Tazkia Islamic Finance and Business Review International Journal of Business Studies
Sudarmawan Samidi
Sekolah Tinggi Manajemen IPMI
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Determinants of Customer’s Intention to Use Murabaha Financing In Indonesia: Modified the TRA Model Dety Nurfadilah; Sudarmawan Samidi
Tazkia Islamic Finance and Business Review Vol. 13 No. 1 (2019)
Publisher : Institute for Research and Community Empowerment (LPPM TAZKIA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/tifbr.v13i1.191

Abstract

This study aims to investigate factors influencing customer’s intention to use murabaha financing in Indonesia, and to what extent do attitude, social influence, religious obligation, price mechanism, and government support affect customer’s intention to use murabaha financing in Indonesian Islamic banks. 200 customers of Bank Muamalat Indonesia and Bank Syariah Mandiri were collected through a semi-structured questionnaire. The study modifies the theory of reasoned action and extends the earlier research conducted by Amin et al. (2011) and Ali et al. (2015). The findings show that attitude, social influence, government support, and price mechanism have a positive and strong relationship with intention to use murabaha financing. In the contrary, the religious obligation is not the main factors that determine the customer’s intention to use murabaha financing. The findings have practical implications to fill the gap between the current practices of Islamic banks and perception from a consumer point of view. This study also analyzed possible variables that may influence the strategies to attract more customers to use murabaha financing and increase Islamic bank’s market share. To the best of author’s knowledge, this is the first study which modified the TRA model in the context of murabaha financing in Indonesian Islamic Banks. 
A Financial Ratio Analysis of Oil and Gas Private Company in Indonesia: Before and After Declining the Oil Production Wiwiek Mardawiyah Daryanto; Sudarmawan Samidi
International Journal of Business Studies Vol 2 No 2 (2018): International Journal of Business Studies (IJBS)
Publisher : Sekolah Tinggi Manajemen IPMI

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (145.987 KB) | DOI: 10.32924/ijbs.v2i2.55

Abstract

As we know that the oil and gas industry is a huge industry and a big contributor to government revenue. However, a signiicant decline in government revenues from this sector is in 2014 by 14.11% to 4.46% in 2015, and in 2016 the value is not too far from the previous year that is 4.58%. This is due to the decline in world oil prices and also the decline in production of Indonesian private oil and gas companies. The purpose of this study is to analyze the financial performance of Indonesia’s private oil and gas company before and after declining the national oil and gas production. The data were collected from financial report of PT. Medco Internasional, Tbk and divided into two periods. The period before the decline in production from 2011 to 2013, and after the decline in production from 2014 to 2016. Financial ratio analysis (FRA) and paired sample t-test were used to analyze the data. The results show that Indonesia’s private oil and gas company is still in good performance even in one year suffered considerable losses. The value of cash ratio, inventory turnover, and collection period signiicantly different before and after the decline in oil and gas production. The authors believe that findings will be helpful for managers who continuously attempt to explore opportunities to provide a higher return.
A Comparative Analysis of Financial Performance: Indonesia And Taiwan Urban Railways Sudarmawan Samidi
International Journal of Business Studies Vol 3 No 1 (2019): International Journal of Business Studies (IJBS)
Publisher : Sekolah Tinggi Manajemen IPMI

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (155.37 KB) | DOI: 10.32924/ijbs.v3i1.93

Abstract

In countries with government-owned railways, the subsidies required to maintain service were becoming a serious burden on the state. Declining revenues have left the rail industry struggling to overcome operating deficits and to reduce subsidies from governments. This study aims to analyze the financial performance of Indonesia and Taiwan urban rail system. Financial ratios are employed to measure the profitability, liquidity, activity, and solvency performance of PT. Kereta Api Indonesia (KAI) and Taiwan High Speed Rail (THSR). The data were collected from both companies in the period of 2011-2015 based on its audited inancial report. In addition, the Decree No. KEP-100/MBU/2002 issued by Indonesia Ministry of SOEs was used to validate the inancial health condition with the level of financial assessment. The result showed that KAI had better financial performance in comparison with THSR. Generally, both companies have a challenge in asset utilization and inventory management. Therefore, this study is useful for the managers to tackle the challenges and improve its eficiency. Furthermore, this study could be policy options might be taken to improve both urban railways' performance.
Co-Authors Dety Nurfadilah Wiwiek Mardawiyah Daryanto