Titin Agustin Nengsih
Universitas Islam Negeri STS Jambi

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The Effect of Risk-Based Bank Rating on Profit Growth of Sharia National Pension Saving Bank Rian Dani; Novi Mubyarto; Titin Agustin Nengsih
Ekonomis: Journal of Economics and Business Vol 7, No 2 (2023): September
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v7i2.1363

Abstract

The purpose of this research was to establish whether or not there is a correlation between the RBBR ratio and the increased profitability of the Sharia National Pension Savings Bank (BTPN). The data used is secondary data pulled from the Sharia National Pension Savings Bank's (BTPN) quarterly financial reports for the years 2015 through 2022. Multiple linear regression analysis in SPSS 26 is employed for the analysis. The findings indicate that the factors Financing to Deposit Ratio (FDR), Return On Assets (ROA), Return On Equity (ROE), and Net Operating Margin (NOM) all have a role in the expansion of BTPN's profit margins. Meanwhile, the profit expansion at the Sharia National Pension Savings Bank (BTPN) is unaffected by the Non-Performing Financing (NPF) and Capital Adequacy Ratio (CAR) variables. Concurrently, the factors NPF, FDR, ROA, ROE, NOM, and CAR have large impacts on earnings expansion.
Pengaruh Pengetahuan, Motivasi, dan Promosi terhadap Keputusan Menjadi Nasabah Bank Syariah Indonesia Cabang Sungai Penuh dengan Minat sebagai Variabel Intervening Alim Erdiansah; Denta Safitri; Usdeldi Usdeldi; Titin Agustin Nengsih
Ekonomis: Journal of Economics and Business Vol 10, No 1 (2026): Maret
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v10i1.2188

Abstract

This study aims to determine the effect of Knowledge, Motivation, and Promotion on the Decision to Become a Customer of Bank Syariah Indonesia Full River Branch with Interest as an Intervening Variable. This study uses a quantitative approach in which all data obtained is measured objectively and systematically. The population taken in this study were the people of Kerinci district and Sungai Penuh City. The sampling technique uses nonprobability sampling, namely couta sampling, the sample in this study is the community in the city of Sungai Penuh and Kerinci Regency. Where the river city has 8 sub-districts and 4 villages and kerinci district with 11 sub-districts. In Sungai Penuh City a couta will be taken which will be sampled as many as 86 respondents and in Kerinci Regency a sample of 124 respondents will be taken, so this study uses 200 people as respondents. Data collection methods using questionnaires and data analysis techniques using SEM-PLS analysis. Based on the research results show that: 1). knowledge and promotion have a positive effect on decisions while motivation has a negative effect on decisions; 2). promotion has a positive effect on interest while knowledge and motivation have a negative effect on interest; 3). knowledge, motivation, and promotion have a positive effect on decisions through interest as an intervening variable.
Analisis Penggunaan Indeks Literasi Zakat pada Petani Terhadap Zakat Pertanian di Kabupaten Kerinci Provinsi Jambi Muhammad Shodiqin; Titin Agustin Nengsih; Iqbal Bafadhal
Ekonomis: Journal of Economics and Business Vol 10, No 1 (2026): Maret
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v10i1.2006

Abstract

This research is motivated by the zakat on rice farming in Kerinci Regency which has not been managed optimally. This research aims to determine the literacy level of farmers regarding agricultural zakat in Kerinci Regency using the Zakat Literacy Index, to determine the understanding variables that are obstacles in farmer literacy towards agricultural zakat in Kerinci Regency, and to understand the patterns and behavior of farmers regarding the payment of agricultural zakat in the Regency. Kerinci. This research is quantitative research using primary data. The sample was selected by purposive sampling of 100 respondents and then analyzed using the Zakat Literacy Index method. The results of this research are that the literacy level of rice farmers regarding agricultural zakat in Kerinci Regency obtained a score of 60.74, which is in the middle/moderate category. Then the variables that are obstacles in rice farmers' literacy towards zakat in Kerinci Regency are; knowledge variable about zakat objects in the basic dimension as well as knowledge variables about zakat institutions), knowledge about zakat regulations, knowledge about zakat distribution programs, and knowledge about digital zakat payments in the advanced dimension. The patterns and behavior of rice farmers in Kerinci Regency are; Ownership of dominantly owned land with a percentage of 76%, land area under dominant cultivation