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Journal : Al-Kharaj: Jurnal Ekonomi, Keuangan

Analisis Faktor-Faktor yang Berpengaruh terhadap Ketimpangan Pendapatan di Jawa Timur Tahun 2021 Ike Sugiarti; Rendra Erdkhadifa
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 5 No 5 (2023): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1078.18 KB) | DOI: 10.47467/alkharaj.v5i5.3498

Abstract

Income inequality is defined as an uneven distribution of income in an area that is not supposed to be. As a result of the occurrence of income inequality that is too high will have a negative impact on social and economic life, as well as the emergence of a conflict. Therefore, a problem raised in this study is the factors with the assumption that it affects the emergence of inequality, which aims to find out the causes of income inequality which are influenced by what factors. The quantitative approach is a method used in this study and the use of this type of research is associative. A total of 38 regencies/cities in the province of East Java in 2021 will be used as populations and research samples. The sampling technique used is non-probability sampling and uses saturated sampling, as well as processing the research sample using multiple linear regression analysis. Where the results shown are on the quality factor of human resources with indicators including: the human development index, economic growth, the level of open response and the average education has a positive and significant effect on income inequality in districts/cities of East Java province. Meanwhile, the population factor has a positive and insignificant effect on income inequality in the districts/cities of East Java province. Keywords: Average Education; Economic Growth; Human Development Index; Income Inequality; Open Unemployment Rate; Population
Pengaruh Rasio Keuangan terhadap Efisiensi Bank Panin Dubai Syariah dengan Pendekatan Data Envelopment Analysis - Analisis Diskriminan Pipit Wahyu Lestari Lestari; Rendra Erdkhadifa
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 5 No 6 (2023): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (525.537 KB) | DOI: 10.47467/alkharaj.v5i6.3602

Abstract

The purpose of this research is to measure the efficiency of Bank Panin Dubai Syariah and classify it into efficient and inefficient categories. In addition, this study also aims to determine the effect of financial ratios including ROA, CAR, NPF, FDR, and Size on the efficiency of Bank Panin Dubai Syariah. This research uses associative research with a quantitative approach. The sampling technique used is purposive sampling which is included in nonprobability sampling. The sample used is Panin Dubai Syariah Bank quarterly data from 2011 to 2021. The number of samples used during the study period was 44 financial report data presented in quarterly financial reports. The data analysis technique used is Data Envelopment Analysis (DEA) and discriminant analysis. The results of this study indicate that Bank Panin Dubai Syariah is not yet in an efficient condition, seen from the average efficiency value of 0.928. This study also shows that the FDR ratio variable has a significant effect on the efficiency of Panin Dubai Syariah Bank, while the ROA, CAR, NPF, and Size ratios have no effect on the efficiency of Panin Dubai Syariah Bank. Keywords: Data Envelopment Analysis, Discriminant Analysis, Islamic Bank Efficiency