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Influence Of Third Party Funds on Credit Distribution Husin; Cicilia Sriliasta Bangun; Toni Suhara; Nanda Septiani; Alexander Williams
ADI Journal on Recent Innovation Vol. 4 No. 1 (2022): September
Publisher : ADI Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34306/ajri.v4i1.749

The purpose of this research is to identify the influence of Third-Party Funds, Non-Performing Loans (NPL), and Return on Assets on Credit Distribution. As well as the role of ROA which becomes mediation in PT. XYZ. This study uses samples in the form of publication balance sheet reports from PT. XYZ in the period 2019-2021. This research is a quantitative research using SEM PLS techniques through the help of smart pls 3.0 software. The results of the study found that DPK significantly affects PK, with a statistical T value of 6,556 > 1.96 and the original sample of -0.773. The absence of influence of NPL on PK due to its statistical T value of 0.868 < 1.96 and the original sample of -0.146 has a negative relationship to credit distribution. ROA has no direct influence on PK with a statistical T value of 0.006 < 1.96 and the original sample of -0.002 has a negative relationship meaning to PK. DPK had a significant negative influence on ROA with a statistical T value of 2,966 > 1.96 and the original sample of -0.657 having a negative relationship direction. There is no effect of NPL on ROA with a Statistical T value of 0.205 < 1.96 and the original sample of 0.056 has a positive relationship to ROA. NPL has no influence over PK through ROA mediation with its Statistical T value of 0.001<1.96.

The Use of Science Technology In Islamic Practices and Rules In The Past Now and The Future Desy Apriani; Alexander Williams; Untung Rahardja; Alfiah Khoirunisa; Sella Avionita
International Journal of Cyber and IT Service Management (IJCITSM) Vol. 1 No. 1 (2021): April
Publisher : International Institute for Advanced Science & Technology (IIAST)

Civilization is a complex structure of society characterized by urban development, social stratification applied by cultural elites, systems symbolic communication (eg, writing systems), and the perceived separation from and domination over the natural environment. Islamic civilization is a civilization that is built on basic Islamic aqidah, aims according to the purposes (maqashid) of sharia, and is realized by imitating the deeds (sunnah) of the Prophet Muhammad, his companions and the signs signs of halal and haram. Islam was at the pinnacle of civilization when the Khilafah system was still upright, despite the ups and downs. Based on Islamic ethics, In the case of virtue seeking new knowledge, it is achieved as a result of moderation of two extreme biases namely, avoiding acquiring new knowledge but remaining in a position of ignorance and playing an important role in pursuing ignorance. Thus, the ethics of Islamic knowledge, which is the application of science and technology science in Islam must be regulated, striving to free humans from these two negative tendencies. The core idea discussed in this paper is the science design used with special reference to Science and Technology. In the history of Islamic thought, this concept is articulated mainly in the background of cognitive psychology theory and Maqashid ash-sharia (a higher goal than Sharia) which is connected to the search for personal and social knowledge. Muslims are now able to pave the way for creating more advanced scientific and technological habits in twenty-first century Muslim societies.

The Use of Science Technology In Islamic Practices and Rules In The Past Now and The Future Desy Apriani; Alexander Williams; Untung Rahardja; Alfiah Khoirunisa; Sella Avionita
International Journal of Cyber and IT Service Management (IJCITSM) Vol. 1 No. 1 (2021): April
Publisher : International Institute for Advanced Science & Technology (IIAST)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34306/ijcitsm.v1i1.16

Civilization is a complex structure of society characterized by urban development, social stratification applied by cultural elites, systems symbolic communication (eg, writing systems), and the perceived separation from and domination over the natural environment. Islamic civilization is a civilization that is built on basic Islamic aqidah, aims according to the purposes (maqashid) of sharia, and is realized by imitating the deeds (sunnah) of the Prophet Muhammad, his companions and the signs signs of halal and haram. Islam was at the pinnacle of civilization when the Khilafah system was still upright, despite the ups and downs. Based on Islamic ethics, In the case of virtue seeking new knowledge, it is achieved as a result of moderation of two extreme biases namely, avoiding acquiring new knowledge but remaining in a position of ignorance and playing an important role in pursuing ignorance. Thus, the ethics of Islamic knowledge, which is the application of science and technology science in Islam must be regulated, striving to free humans from these two negative tendencies. The core idea discussed in this paper is the science design used with special reference to Science and Technology. In the history of Islamic thought, this concept is articulated mainly in the background of cognitive psychology theory and Maqashid ash-sharia (a higher goal than Sharia) which is connected to the search for personal and social knowledge. Muslims are now able to pave the way for creating more advanced scientific and technological habits in twenty-first century Muslim societies.

The Implementation of Effective Financial Management to Increase the Profitability of Startups Alexander Williams; Yehezkeil Hasudungan; Nur Azizah
Startupreneur Business Digital (SABDA Journal) Vol. 4 No. 1 (2025): April
Publisher : Pandawan Sejahtera Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33050/sabda.v4i1.714

This research aims to examine the implementation of effective financial management practices to improve the profitability of startups in Indonesia. The digital startup sector in Indonesia has been growing rapidly, and as these businesses scale, managing financial resources effectively becomes increasingly important for long term success and sustainability. By identifying and analyzing financial management practices that have the most significant impact on enhancing the profitability of startups. A quantitative approach is adopted, utilizing case studies from a selection of emerging startups across various industries in Indonesia. Data were collected through surveys and in depth interviews with startup owners and financial managers, focusing on key aspects such as financial planning, cash flow management, budgeting, and investment strategies. The results indicate that startups with well structured financial planning and efficient cash flow man- agement are significantly more profitable. Additionally, the adoption of effective investment strategies and robust risk management practices has been shown to help startups mitigate financial uncertainty, avoid losses, and improve overall business stability. Applying sound financial management practices is vital for the growth and profitability of startups. Based on these findings, the study recommends that startups prioritize strategic financial planning (budgeting), cash flow optimization (organizing and measuring), and proactive risk management (controlling) to enhance financial resilience and maintain a competitive advan- tage in the market. This is an open access article under the CC BY 4.0 license.

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