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Journal : AICOS

THE INFLUENCE OF ENTREPRENEURIAL KNOWLEDGE AND FINANCIAL MANAGEMENT ON INTEREST IN STARTING A BUSINESS IN STUDENTS OF FEBI IAIN KERINCI Kartika, Vhyola Dewi; Mailindra, Wiyan; Sumanti, Eva
Asian Journal of Islamic Economic Studies Vol. 1 No. 1 (2024): AICOS: Asian Journal Of Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/aicos.v1i01.3541

Abstract

This study aims to determine the effect of Entrepreneurial Knowledge of Entrepreneurship and Financial Management, simultaneously or partially, on the interest in starting a business for students of the Islamic Economics and Business Faculty IAIN Kerinci. This type of research is descriptive quantitative research. The population in this study were students of the Faculty of Economics and Islamic Business IAIN Kerinci majoring in Islamic Banking and Islamic Economics class of 2018 and 2019. The sample was determined using a cluster random sampling technique so that the respondents of this study were 82 students. Data collection techniques using a questionnaire. The data analysis technique in this study uses multiple linear regression analysis with the help of the program SPSS version 23. The results showed that both partially and simultaneously entrepreneurial knowledge of entrepreneurship and financial management significantly affected the interest in starting a business for students of the Faculty of Economics and Islamic Business IAIN Kerinci.
ANALYSIS OF THE EFFECT OF RETURN ON ASSET (ROA), OPERATIONAL COSTS AND OPERATING INCOME (BOPO) ON MUDHARABAH PROFIT SHARING IN SHARIA GENERAL TIRES FOR THE 2015-2020 PERIOD Tika Enggal Saputri, Dedek; Mailindra, Wiyan; Sumanti, Eva
Asian Journal of Islamic Economic Studies Vol. 1 No. 2 (2024): AICOS: Asian Journal Of Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/aicos.v1i2.4162

Abstract

This study aims to determine the retrun on asset (ROA) and operational costs and operating income (BOPO) on the profit sharing of mudharabah in Islamic commercial banks in Indonesia. The population uset in the study were 30 banks listed on the IDX and the total sample used 7 banks. In determining the sample, it uses random sampling with the criteria of Islamic banks that issue complete financial statement from 2015-2020. The analysis technique in this research is multiple analysis technique in order to get a comprehensiv picture between the relationship between one variable and another variable. In addition, the hypothesis test used is the t-test and f-test. Classical assision test which includes normality test, multicolinearity tets, heteroscedasticity test and autoccorelation tets were also used in this study. The results in this study show that the retrun on asset does not significantly affect the profit sharing of mudharabah, while operating costs and operating income also have no significant effect on the profit sharing of mudharabah. Keywords: Mudharabah Profit Sharing; Operating Costs; Operating Income; Retrun On Asset
OPERATIONAL EFFICIENCY OR NON-PERFORMING LOANS? ANALYSIS OF SHARIA BANK PERFORMANCE 2015–2022 Mailindra, Wiyan; Adinda, Sofia
Asian Journal of Islamic Economic Studies Vol. 2 No. 1 (2025): AICOS: Asian Journal Of Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/aicos.v2i1.4993

Abstract

This study aims to analyse the influence of credit and operational risks on banking performance in Islamic commercial banks registered with the Financial Services Authority (OJK) from 2015–2022. Credit risk is measured by the Non-Performing Financing (NPF) ratio. In contrast, operational risk is measured by the Operating Expenses to Operating Income (BOPO) ratio, and banking performance is measured by Return on Assets (ROA). Using the multiple linear regression analysis method, this study found that credit risk (NPF) did not significantly affect ROA. In contrast, operational risk (BOPO) significantly affected ROA—the results of the simultaneous test show that the two independent variables together jeopardise the bank's performance. The coefficient of determination (R²) showed that credit and operational risk could explain 12.2% of the variation in ROA. At the same time, the rest was influenced by other factors not examined in this study. These findings indicate that Islamic bank management needs to focus on managing operational risks to improve efficiency and profitability, although credit risk management is also essential. This study contributes to developing the risk management literature of Islamic banking and suggests further research by considering additional variables.
THE EFFECT OF BRAND IMAGE AND PRODUCT QUALITY ON CONSUMER PURCHASE DECISIONS AT CAFÉ NOKA IN SUNGAI PENUH CITY Ditama, Rezki Agrisa; Azhar, Azhar; Nilda, Elvi; Syamsarina; Desiana; Mailindra, Wiyan
Asian Journal of Islamic Economic Studies Vol. 2 No. 2 (2025): AICOS: Asian Journal Of Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/aicos.v2i2.6090

Abstract

This study aims to analyze the influence of brand image and product quality on purchasing decisions at Café Noka in Sungai Penuh City. The research method used is quantitative with a survey approach. Data were collected through questionnaires distributed to Café Noka customers and analyzed using multiple linear regression techniques. The results show that brand image and product quality have a positive and significant impact on purchasing decisions. A strong brand image enhances customer trust, while good product quality contributes to customer satisfaction, ultimately encouraging purchasing decisions. The findings suggest that Café Noka should maintain and improve its brand image and product quality to increase customer loyalty and purchase interest.