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Analysıs Of External Factors Affectıng Non Performıng Fınance (Npf) Sharıa Banks In Indonesıa (Perıod 2009 Q1-2018 Q4) Muqorrobin, Yahya; Rahman, Asmak Ab; Maharani, Shinta
APMBA (Asia Pacific Management and Business Application) Vol. 10 No. 1 (2021)
Publisher : Department of Management, Faculty of Economics and Business, Brawijaya University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.apmba.2021.010.01.5

Abstract

The high ratio of problematic financing or Non-Performing Finance (NPF) at Islamic banks is a phenomenon that needs attention because it is one indicator to assess the soundness of Islamic banks. The causative factors could be two-way, first, the internal factors in Islamic banking itself; the principle of prudence in channeling financing; and second, external factors. Economic data indicated a slowdown in global economic growth became a negative sentiment on the financial markets; one of the consequences was the weakening of the customer ability to meet their obligations would be increasing the ratio of problem financing (NPF). The purpose of this study is to analyze and identify the relationship between macro variables Gross Domestic Product (GDP), exchange rate, and inflation with NPF at Sharia Banks in Indonesia 2009: Q1 to 2018: Q4. This research is a quantitative study with the data analysis method used Auto-regressive Distributed Lag (ARDL) to analyze the relationship between independent variables on the dependent variable in the long term and short term. The result is that GDP has a negative and significant effect on NPF both in the long term and short term. In comparison, the exchange rate and inflation have a positive and significant effect on the NPF in the short run but have no significant effect in the long run.
Pengaruh Islamic Branding dan Customer Relationship Marketing terhadap Loyalitas Nasabah dengan Kepuasan sebagai Variabel Intervening Diana Mutiara; Shinta Maharani; Ely Masykuroh
Journal of Economics, Law, and Humanities Vol. 3 No. 1 (2024): Economics, Law, and Humanities
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/jelhum.v3i1.3024

Abstract

The development of the Sharia banking industry in the era of technology has forced all companies in the banking sector to be able to compete and have their competitive advantages. Company value and branding are very important. Increasing inactive customers in the research object is this study's main issue related to customer loyalty. This study aims to determine the effect of Islamic branding customer relationship marketing on customer loyalty through satisfaction as an intervening variable. The research object at BMT Hasanah Ponorogo uses a descriptive quantitative approach. The data used in this research is primary data with a total sample of 94 people. The hypothesis testing tools used are T, F, and path tests. The results showed that Islamic branding and customer relationship marketing partially and simultaneously influence customer loyalty. Customer satisfaction affects customer loyalty. Customer satisfaction can be an intervening variable for the partial effect of Islamic branding and customer relationship marketing on customer loyalty. Customer satisfaction can be an intervening variable for the simultaneous influence of Islamic branding and customer relationship marketing on customer loyalty.
Pengaruh Label Halal, Kualitas Produk, dan Harga Terhadap Volume Penjualan dengan Digital Marketing Sebagai Variabel pada Industri Kecil Kuliner di Ponorogo Mochammad Syahrul Utomo Syam; Luhur Prasetiyo; Shinta Maharani
Journal of Economics, Law, and Humanities Vol. 4 No. 1 (2025): Economics, Law, and Humanities
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/jelhum.v4i1.4408

Abstract

This study aims to analyze the influence of halal labels, product quality, and price on sales volume in small culinary industries in Ponorogo, considering digital marketing as a moderating variable. The research uses a quantitative approach with a descriptive research type. Primary data was obtained from 100 respondents selected using probability sampling with stratified random sampling based on Slovin's formula. Data collection was conducted through questionnaires, and data analysis involved validity tests, reliability tests, classical assumption tests, T-tests, F-tests, coefficient of determination (R²), and Moderated Regression Analysis (MRA) using SPSS 16. The results show that the halal label significantly influences sales volume by 23.9%, product quality has an insignificant influence of 11.2%, and price has a significant influence of 22.5%. Simultaneously, the three variables influence sales volume by 27.9%. Digital marketing is proven to moderate the relationship, strengthening the effect of the halal label by 43.6%, weakening the effect of product quality by 43%, and strengthening the impact of price by 44.7%. Simultaneously, digital marketing influences sales volume by 57.2%. Thus, digital marketing effectively enhances the influence of halal labels and prices on sales volume in Ponorogo’s small culinary industries.