Darwis Darwis
Institut Agama Islam Negeri (IAIN) Parepare

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Formulasi Strategi Manajemen Aset Dan Liabilitas (ALMA) Pada Perbankan Darwis Darwis; Helmy Toatubun
Musamus Journal of Business & Management Vol 3 No 2 (2021): Musamus Journal of Businness & Management
Publisher : Musamus Journal of Business & Management is a peer-reviewed journal published by Faculty of Ecconomics and Business, Musamus University, Merauke Papua Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35724/mjbm.v3i2.3518

Abstract

This article discusses the problem of optimizing bank balance sheet structures through the management of assets and liabilities in banking institutions. By using descriptive analysis, this study explores the theoretical study approach of the application of Asset and Liability Management (ALMA) which is used by banks as a financial information management system formulation through the application of asset and liability management functions (ALMA) to maintain the balance of the assets and liabilities side of the bank's balance sheet. implemented by the Asset Liability Committee (ALCO) and ALCO Support Group (ASG). The results of this study, it is concluded that the operationalization of the functions of asset and liability management (ALMA) can optimize the balance sheet structure of banks in a competitive financial market environment through banking policies on Liquidity Management by maintaining the status of liquidity ratios and limits including primary reserve and secondary reserve, Gap Management. by managing and controlling the gap between assets and liabilities to maximize net income margin (NIM), Foreign Exchange Management by maximizing income from differences in foreign exchange rates, Income and Investment Management with high profitability through investment decisions in bank portfolios.
Pengaruh Strategi Penetapan Harga terhadap Minat Beli Konsumen Di Matahari Department Store Makassar (Analisis Etika Bisnis Islam) Syahriyah Semaun; Darwis Darwis
Jurnal Hukum Ekonomi Syariah Vol 4, No 01 (2020): JURNAL HUKUM EKONOMI SYARIAH (JUNI 2020)
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (706.059 KB) | DOI: 10.26618/j-hes.v4i01.2550

Abstract

Studi ini bertujuan mengetahui apakah variabel skimming pricing dan penetration pricing dalam strategi penetapan harga berpengaruh terhadap minat beli konsumen di PT. Matahari Department Store Makassar. Kajian ini menggunakan pendekatan kuantitatif. Populasi penelitian adalah pelanggan di Matahari Department Store Makassar, hipotesis diuji dengan  analisis regresi linier berganda. Hasil uji t menunjukkan terdapat pengaruh variabel skimming pricing terhadap minat beli konsumen di Matahari  Department Store dan tidak terdapat pengaruh variabel penetration pricing dan terhadap minat beli konsumen di Matahari  Department Store. Uji regresi linier berganda diperoleh persamaan Y=9,503 + 0,482X1 + 0,063X2 yang menunjukkan bahwa variabel dominan berpengaruh terhadap minat beli konsumen di Matahari  Department Store adalah variable skimming pricing dengan nilai koefisien regresi sebesar 0,482X1
Formulasi Strategi Manajemen Aset Dan Liabilitas (ALMA) Pada Perbankan Darwis Darwis; Helmy Toatubun
Musamus Journal of Business & Management Vol 3 No 2 (2021): Musamus Journal of Businness & Management
Publisher : Musamus University, Merauke Papua Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35724/mjbm.v3i2.3518

Abstract

This article discusses the problem of optimizing bank balance sheet structures through the management of assets and liabilities in banking institutions. By using descriptive analysis, this study explores the theoretical study approach of the application of Asset and Liability Management (ALMA) which is used by banks as a financial information management system formulation through the application of asset and liability management functions (ALMA) to maintain the balance of the assets and liabilities side of the bank's balance sheet. implemented by the Asset Liability Committee (ALCO) and ALCO Support Group (ASG). The results of this study, it is concluded that the operationalization of the functions of asset and liability management (ALMA) can optimize the balance sheet structure of banks in a competitive financial market environment through banking policies on Liquidity Management by maintaining the status of liquidity ratios and limits including primary reserve and secondary reserve, Gap Management. by managing and controlling the gap between assets and liabilities to maximize net income margin (NIM), Foreign Exchange Management by maximizing income from differences in foreign exchange rates, Income and Investment Management with high profitability through investment decisions in bank portfolios.
Pengaruh Strategi Penetapan Harga terhadap Minat Beli Konsumen Di Matahari Department Store Makassar (Analisis Etika Bisnis Islam) Syahriyah Semaun; Darwis Darwis
Jurnal Hukum Ekonomi Syariah Vol 4, No 01 (2020): JURNAL HUKUM EKONOMI SYARIAH (JUNI 2020)
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/j-hes.v4i01.2550

Abstract

Studi ini bertujuan mengetahui apakah variabel skimming pricing dan penetration pricing dalam strategi penetapan harga berpengaruh terhadap minat beli konsumen di PT. Matahari Department Store Makassar. Kajian ini menggunakan pendekatan kuantitatif. Populasi penelitian adalah pelanggan di Matahari Department Store Makassar, hipotesis diuji dengan  analisis regresi linier berganda. Hasil uji t menunjukkan terdapat pengaruh variabel skimming pricing terhadap minat beli konsumen di Matahari  Department Store dan tidak terdapat pengaruh variabel penetration pricing dan terhadap minat beli konsumen di Matahari  Department Store. Uji regresi linier berganda diperoleh persamaan Y=9,503 + 0,482X1 + 0,063X2 yang menunjukkan bahwa variabel dominan berpengaruh terhadap minat beli konsumen di Matahari  Department Store adalah variable skimming pricing dengan nilai koefisien regresi sebesar 0,482X1