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STRATEGI OPTIMALISASI MANAJEMEN PENGELOLAAN KJKS BMT AL MARKAZ AL ISLAMI MAKASSAR Muhlis Damirah
IQTISHADUNA Vol. 10 No. 1 (2019): Juni 2019
Publisher : UIN Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (267.93 KB) | DOI: 10.20414/iqtishaduna.v10i1.1600

Abstract

This article about application and strategy to management optimize of the KJKS BMTAl Markaz Al Islami Makassar. The method used in the implementation research is touse a qualitative descriptive approach. The results research study explained the fact isnot all Makassar society can obtain loan financing in banks. Often because of theinability to meet the requirements and administrative requirements must be met. Thepresence of the KJKS BMT Al Markaz Al Islami Makassar as an alternative effort tofind solutions in protecting the community, facilitating limitations and capital needs.Through the Management optimization strategy, the management of the institution isable to survive and maintain, in the midst of the community who need capital assistanceand experience limitations in business as a source to respond to public unrest inapplying for loans or additional business capital without being burdened withtroublesome interest. Besides acting as a business institution, also carries humanitarianmissions form of social and da'wah in the Makassar community.
Modifikasi Model Analisis Structural Equation Model (Sem) pada Reaksi Pasar di Perusahaan Bursa Efek Indonesia Melalui Modification Indices Yusrianti Hanike; Damirah Damirah
MATEMATIKA DAN PEMBELAJARAN Vol 6, No 2 (2018): MATEMATIKA DAN PEMBELAJARAN
Publisher : IAIN Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33477/mp.v6i2.665

Abstract

Abstrak Pergerakan reaksi pasar dan rasio keuangan beserta Economic Value Added menjadi topik hangat terutama dengan berkembangnya pasar modal di tanah air. Melalui SEM, model yang dihasilkan mampu mengkontruks indikator-indikator rasio keuangan terhadap pergerakan saham. SEM merupakan pemodelan kuantitatif faktor-faktor yang menunjukkan hubungan sebab akibat antara beberapa faktor dependen dan independen melalui indikator-indikatornya. Analisis SEM merupakan kombinasi dari analisis faktor (Confirmatory Factor Analysis), analisis jalur (Path Analysis) dan analisis regresi. Untuk mendapatkan model yang lebih baik, maka analisis ini dipadukan dengan mengkorelasikan error berdasarkan Modification indices. Modification indices akan mengakibatkan terjadinya penurunan Chi-square serta terjadi perubahan nilai CMINDF dan RMSEA menjadi semakin baik. Begitupula pada p-value, GFI, dan TLI. Sehingga dapat disimpulkan bahwa pengaruh korelasi antar measurement error dalam variabel rasio keuangan dalam variabel reaksi pasar dan antar variabel EVA mengakibatkan perubahan yang signifikan pada kebaikan model. Kata Kunci: Reaksi pasar, modification indices, SEM Abstract Market reaction movements and financial ratios and also the Economic Value Added are becoming hot topics, especially with the development of capital markets in the our country. Through SEM, the resulting model is able to construct indicators of financial ratios to stock movements. SEM is a quantitative modeling of factors that show a causal relationship between several dependent and independent factors through its indicators. SEM analysis is a combination of factor analysis (Confirmatory Factor Analysis), path analysis (Path Analysis) and regression analysis. To get a better model, this analysis is combined by correlating errors based on Modification indices. Modification indices will cause a decrease in Chi-square and changes in CMINDF and RMSEA values will be better. Likewise on p-value, GFI, and TLI. So that it can be concluded that the effect of the correlation between measurement errors in financial ratio variables in the market reaction variable and between EVA variables resulted in a significant change in the goodness of the model.
KOMPARASI PELAKSANAAN TAKE OVER PADA BANK NEGARA INDONESIA SYARIAH DAN BANK RAKYAT INDONESIA DI PAREPARE Zulfhaidz Husain; Muhammad Kamal Zubair; Damirah Damirah
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 1 No 1 (2019): Banco : Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (368.46 KB) | DOI: 10.35905/banco.v1i1.692

Abstract

Take Over is an action carried out by users of banking services to move payments or installments that are considered more profitable by users of banking services, where in this case the Customer, the transfer made in the form of transfer of services, payments and installments that customers consider more profitable for them Use. The transfer of payment itself involves two different banking institutions where installments or financing that run from one bank to another are transferred according to the provisions of each banking institution involved in it. The results of this study indicate that there are several differences in take-over systems implemented by Bank Negara Indonesia Syariah and Bank Rakyat Indonesia, including the contract agreement system that exists in these two banking institutions, where Bank Negara Indonesia Syariah uses a system with a sharia contract, namely the contract is a profit sharing contract, which they apply is a Murabahah contract and guidelines for the rules and procedures carried out at Take Over are the foundation of the DSN-MUI Fatwa and all provisions contained in the land, then at the Bank Rakyat Indonesia the contract used is in accordance with the provisions of the party banking itself the interest rate applied to the Contract is a Flat (fixed and Floating) interest rate or a fixed interest rate with the provisions of the installment table in accordance with the provisions of the Bank Rakyat Indonesia.
PERAN KOPERASI PONDOK PESANTREN DDI LILBANAT PAREPARE DALAM MENINGKATKAN KESEJAHTERAAN GURU DAN SANTRI Hikmawati; Syahriyah Semaun; Damirah
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 1 No 2 (2019): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (360.375 KB) | DOI: 10.35905/banco.v1i2.1303

Abstract

Hasil penelitian menunjukkan bahwa: 1. Upaya Koperasi Pondok Pesantren DDI Lilbanat dalam memenuhi kebutuhan dan meningkatkan kesejahteraan guru dan santri, yaitu dengan memperbaiki baik itu kegiatan-kegiatan koperasi, pengelolaan unit-unit usahanya maupun manajemen koperasinya agar kebutuhan anggota (guru dan santri) terpenuhi dan kesejahteraan anggota pun dapat meningkatkan kesejahteraan guru dan santri, yaitu membangun dan mengembangkan potensi dan kemampuan ekonomi anggota (guru dan santri), membantu kebutuhan anggota, menumbuhkan kesadaran berkoperasi dan membina rasa tanggung jawab, disiplin serta berjiwa koperasi
Pengaruh Layanan ATM dan Mobile Banking terhadap Loyalitas Nasabah Bank Sulselbar Cabang Sinjai Nurul Fadhilah; Damirah
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 2 No 2 (2020): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (369.928 KB) | DOI: 10.35905/banco.v2i2.1808

Abstract

This study aims to determine the effect partially and simultaneously service variables Reliability (Reliability), Responsiveness (Responsiveness), Assurance (Assurance), Empathy (Empathy) and Tangible (Physical Evidence) on customer loyalty of Bank Sulselbar Sinjai Branch. This research is a type of quantitative research with descriptive methods and a survey on the company. The population in this study were customers of Bank Sulselbar Sinjai Branch who use ATM and Mobile Banking products, with determining the type of sample using the Slovin formula. The data collection used in this research is a questionnaire / questionnaire. The method used to test the hypothesis is to use correlation analysis between variables, statistical analysis, multiple regression analysis test, and statistical test. The results showed: based on the partial test results or T test that the variable Responsiveness (Responsiveness) (X2) with a significant value of 0.001 <0.05 and the value of tcount (3,424)> t table (1.994) and the variable Reliability (Reliability) significant value 0.042 <0.05 and tcount (2.074)> t table (1.994) has a significant effect on customer loyalty (Y). Meanwhile, the Assurance variable (X3) with a significant value of 0.955> 0.05 and the value of tcount (0.065) <ttable (1.994), Empathy (Empathy) (X4) with a significant value of 0.065> 0.05 and tcount (- 1.873) <t table (1.994) and Tangible (Direct Evidence) (X5) with a significant value of 0.069> 0.05 and the value of tcount (1.847) <t table (1.994) had no significant effect. Based on the results of simultaneous testing or the F test, it shows that technology-based product service variables affect customer loyalty (Y) together