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PENGARUH FDR, BAGI HASIL, PEMBIAYAAN JUAL BELI, SEWA MENYEWA DAN NPF TERHADAP PROFITABILITAS BANK UMUM SYARIAH 2016-2020 Hendra H. Dukalang; Moh Agus Nugroho
Account : Jurnal Akuntansi, Keuangan dan Perbankan Vol. 9 No. 1 (2022): EDISI JUNI 2022
Publisher : Politeknik Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32722/acc.v9i1.4583

This study is to determine whether Financing to Deposit Ratio (FDR), Sales and Purchase Financing (PJB), Profit Sharing Financing (PBH), Leasing Financing (PSM) and Non-Performing Financing (NPF) have a positive or negative effect on profitability or Return. On Assets (ROA) at Islamic Commercial Banks in Indonesia for the 2016-2020 period. The type of research used in this research is quantitative research. The data collection used in this research is secondary data collection, which is accessed from the internet, namely on the OJK website in the form of financial reports in the form of quarterly reports, namely Islamic Commercial Banks for 2016-2020. Data analysis that will be used in this research is descriptive statistical analysis method and panel data regression analysis which is calculated using Eviews 10 computer technology and Microsoft Excel where this research analyzes Profit Sharing Financing, Sales and Purchase Financing, Rental Financing, FDR and NPF on profitability (ROA). The results of this study show that Financing to Deposit Ratio (FDR) and Leasing Financing (PSM) have a negative effect on Return On Assets (ROA). Meanwhile, Sales and Purchase Financing (PJB), Profit Sharing Financing (PBH), Non- Performing Financing (NPF) have a positive effect on Return On Assets (ROA). Keywords: Profitability, Sharia Commercial Banks

Comparison of R and GeoDa Software in Case of Stunting Using Spatial Error Model Hendra H Dukalang; Ingka Rizkyani Akolo; Muhammad Rezky Friesta Payu; Setia Ningsih
Jurnal Varian Vol 6 No 1 (2022)
Publisher : Universitas Bumigora

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30812/varian.v6i1.1993

Gorontalo city is the capital of Gorontalo province which has a high incidence of stunting. This high incidence rate needs to get attention because stunting can further become one of the indicators of the low quality of human resources in Gorontalo. One method that can be used to analyze the factors that cause stunting is the spatial regression method, namely Spatial Error Model (SEM). SEM model can analyze used R and GeoDa software. The purpose of this study is to find out the factors that affect stunting in Gorontalo City and compare the results of the Spatial Error Model analysis based on the results of R and GeoDa software. The results showed that there are two variables that have a significant effect on stunting incidence, namely the variable number of Complete Basic Immunization (IDL) and the amount of proper sanitation. The R and GeoDa software comparison results showed there were several similar outputs i.e. LM test output, parameter estimation and R-square value, while the different outputs were Moran's I test output, Breusch-Pagan test, and AIC value. Although Moran's I test output and Breusch-Pagan’s test are different, but they produce the same conclusion. The AIC value produced by GeoDa is smaller than R software.

Determinan Market Share Bank Umum Syariah di Indonesia Sindi Ali; Hendra H. Dukalang; Rifadli D. Kadir
Mutanaqishah: Journal of Islamic Banking Vol. 2 No. 1 (2022): June 2022
Publisher : Department of Islamic Banking

This study aims to determine whether CAR, ROA, NPF, FDR affect the Market Share of Islamic Commercial Banks in Indonesia for the 2017-2021 period. This study uses Panel Data analysis. The results of this study conclude (1) Capital adequacy ratio (CAR) has a negative and insignificant effect on the market share of Islamic banking in Indonesia; (2) Return on assets (ROA) has a positive and insignificant effect on the market share of Islamic banking in Indonesia; (3) Non-performing financing (NPF) has a negative and significant effect on the market share of Islamic banking in Indonesia; (4) Financing to deposit ratio (FDR) has a negative and insignificant effect on the market share of Islamic banking in Indonesia and (5) CAR, ROA, NPF and FDR together have an effect on the market share of Islamic commercial banks in Indonesia. Penelitian ini bertujuan untuk mengetahui apakah CAR, ROA, NPF, FDR berpengaruh terhadap Market Share Bank Umum Syariah di Indonesia periode 2017-2021. Penelitian ini menggunakan analisis data panel. Hasil penelitian ini menyimpulkan (1) Capital adequacy ratio (CAR) berpengaruh negative dan tidak signifikan terhadap market share perbankan syariah di Indonesia; (2) Return on assets (ROA) berpengaruh positif dan tidak signifikan terhadap market share perbankan syariah di Indonesia; (3) Non performing financing (NPF) berpengaruh negative dan signifikan terhadap market share perbankan syariah di Indonesia; (4) Financing to deposit ratio (FDR) berpengaruh negative dan tidak signifikan terhadap market share perbankan syariah di Indonesia dan (5) CAR, ROA, NPF dan FDR secara bersama-sama berpengaruh terhadap market share bank umum syariah di Indonesia

PEMODELAN STRUKTURAL EQUATION MODEL- PARTIAL LEAST SQUARE (SEM-PLS) PADA MINAT BERTRANSAKSI MENGGUNAKAN APLIKASI OVO Setia Ningsih; Hendra Dukalang; Armayani Arsal
Jambura Journal of Probability and Statistics Vol 3, No 2 (2022): Jambura Journal Of Probability and Statistics
Publisher : Department of Mathematics, Universitas Negeri Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34312/jjps.v3i2.16882

The payment system in Indonesia is transforming from making payments in cash to non-cash. Non-cash payments can be made with various payment applications, one of which is the OVO application. Non-cash payments are less loved by many people, this is due to concerns about the security or ease and effectiveness of non-cash payment applications. Therefore, this study was conducted to analyze the factors that influence student interest in Gorontalo province in transacting using the OVO application using the Structural Equation Model Partial Least Square (SEM-PLS). The data analysis technique used is variance-based SEM. The results showed that the perceived convenience, effectiveness and security variables affected the interest in transacting using the OVO application with an R-square value of 70.70 percent.

Drivers of Sharia P2P Lending Adoption in Indonesia: An AISAS Model Approach Ismail, Juniaty; Supri, Zikra; Dukalang, Hendra; Budianto, Rahman; Katili, Chitra Yuliashri
Share: Jurnal Ekonomi dan Keuangan Islam Vol 13, No 2 (2024)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v13i2.23438

The challenge of accessing capital for Micro, Small, and Medium Enterprises (MSMEs), compounded by low financial literacy, has led to limited awareness among MSME actors regarding sharia-based Peer-to-Peer (P2P) Lending. This study investigates the response of MSME actors on Sulawesi Island, Indonesia, to the adoption of fintech-based sharia P2P lending services using the AISAS (Attention, Interest, Search, Action, and Share) model. Distinct from previous research, this study specifically focuses on the utilization of sharia-based P2P fintech by MSMEs in Sulawesi, applying the AISAS model approach. A quantitative approach was employed, gathering data from 580 MSME respondents in Sulawesi, and analyzed using Smart-PLS 3.2.9 software. The results indicate that interest, search, and sharing behavior are significant predictors of sharia-compliant P2P lending adoption, while attention and action demonstrate no significant influence. This study offers valuable insights for sharia fintech P2P lending service providers and government bodies supporting MSMEs, particularly in Sulawesi, stressing the importance of enhancing outreach to promote sharia fintech P2P lending as a more accessible and efficient capital source.========================================================================================================ABSTRAK – Pendorong Adopsi P2P Lending Syariah di Indonesia: Pendekatan Model AISAS. Akses permodalan masih menjadi tantangan signifikan bagi Usaha Mikro, Kecil, dan Menengah (UMKM) di Indonesia. Hal ini dipicu oleh rendahnya literasi keuangan para pelaku usaha yang berakibat pada rendahnya kesadaran akan produk keuangan syariah seperti layanan Peer-to-Peer (P2P) Lending. Penelitian ini mengkaji adopsi layanan P2P Lending Syariah di kalangan UMKM di Pulau Sulawesi, Indonesia, dengan menggunakan model Attention, Interest, Search, Action, and Share (AISAS). Berbeda dengan penelitian sebelumnya, studi ini berfokus pada pemanfaatan fintech P2P berbasis syariah oleh pelaku UMKM di Pulau Sulawesi. Menggunakan pendekatan kuantitatif, penelitian ini mengumpulkan data dari 580 pelaku UMKM dan dianalisis menggunakan Smart-PLS 3.2.9. Hasil penelitian menunjukkan bahwa minat, pencarian, dan berbagi berpengaruh signifikan terhadap adopsi P2P Lending syariah, sementara perhatian dan tindakan menunjukkan hal sebaliknya. Hasil penelitian ini berkontribusi kepada penyedia layanan P2P dan instansi pemerintah dalam mendukung pertumbuhan UMKM, khususnya di Sulawesi. Temuan ini menyoroti perlunya sosialisasi yang terarah untuk mempromosikan P2P Lending syariah sebagai solusi pembiayaan yang mudah diakses dan efisien.

Perbandingan Propensity Score Stratification dan Propensity Score Matching dengan Pendekatan Multivariate Adaptive Regression Spline Akolo, Ingka Rizkyani; Ningsih, Setia; Dukalang, Hendra
Jambura Journal of Mathematics Vol 6, No 2: August 2024
Publisher : Department of Mathematics, Universitas Negeri Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37905/jjom.v6i2.26137

Research on complications of Diabetes Mellitus (DM) is multifactorial, where the risk factors causing DM complications are interrelated, leading to confounding bias, which results in inaccurate research findings. Confounding bias can be reduced using the propensity score method. This study aims to compare the performance of the Propensity Score Stratification (PSS) and Propensity Score Matching (PSM) methods with the Multivariate Adaptive Regression Spline (MARS) approach in estimating treatment effects on DM complication cases. The data used is the medical records of type-2 DM patients at Hospital X. The results showed that the PSS method with the MARS approach is not suitable for small data sets, as it can lead to treatment or control groups lacking members, making it impossible to calculate the p-value in balance testing or the Percent Bias Reduction (PBR). The estimated Average Treatment Effect (ATE) using the PSS method was 0.487 with a PBR of 35.1%, whereas the estimated Average Treatment for Treated (ATT) using the PSM method was 0.531 with a PBR of 99.46%. These PBR values indicate that the best method for estimating treatment effects and the one that can reduce the most bias in this case is the PSM method with MARS. The analysis also showed that serum uric acid levels significantly affect the peripheral diabetic neuropathy (PDN) status of DM patients.

Drivers of Sharia P2P Lending Adoption in Indonesia: An AISAS Model Approach Ismail, Juniaty; Supri, Zikra; Dukalang, Hendra; Budianto, Rahman; Katili, Chitra Yuliashri
Share: Jurnal Ekonomi dan Keuangan Islam Vol. 13 No. 2 (2024)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v13i2.23438

The challenge of accessing capital for Micro, Small, and Medium Enterprises (MSMEs), compounded by low financial literacy, has led to limited awareness among MSME actors regarding sharia-based Peer-to-Peer (P2P) Lending. This study investigates the response of MSME actors on Sulawesi Island, Indonesia, to the adoption of fintech-based sharia P2P lending services using the AISAS (Attention, Interest, Search, Action, and Share) model. Distinct from previous research, this study specifically focuses on the utilization of sharia-based P2P fintech by MSMEs in Sulawesi, applying the AISAS model approach. A quantitative approach was employed, gathering data from 580 MSME respondents in Sulawesi, and analyzed using Smart-PLS 3.2.9 software. The results indicate that interest, search, and sharing behavior are significant predictors of sharia-compliant P2P lending adoption, while attention and action demonstrate no significant influence. This study offers valuable insights for sharia fintech P2P lending service providers and government bodies supporting MSMEs, particularly in Sulawesi, stressing the importance of enhancing outreach to promote sharia fintech P2P lending as a more accessible and efficient capital source.========================================================================================================ABSTRAK – Pendorong Adopsi P2P Lending Syariah di Indonesia: Pendekatan Model AISAS. Akses permodalan masih menjadi tantangan signifikan bagi Usaha Mikro, Kecil, dan Menengah (UMKM) di Indonesia. Hal ini dipicu oleh rendahnya literasi keuangan para pelaku usaha yang berakibat pada rendahnya kesadaran akan produk keuangan syariah seperti layanan Peer-to-Peer (P2P) Lending. Penelitian ini mengkaji adopsi layanan P2P Lending Syariah di kalangan UMKM di Pulau Sulawesi, Indonesia, dengan menggunakan model Attention, Interest, Search, Action, and Share (AISAS). Berbeda dengan penelitian sebelumnya, studi ini berfokus pada pemanfaatan fintech P2P berbasis syariah oleh pelaku UMKM di Pulau Sulawesi. Menggunakan pendekatan kuantitatif, penelitian ini mengumpulkan data dari 580 pelaku UMKM dan dianalisis menggunakan Smart-PLS 3.2.9. Hasil penelitian menunjukkan bahwa minat, pencarian, dan berbagi berpengaruh signifikan terhadap adopsi P2P Lending syariah, sementara perhatian dan tindakan menunjukkan hal sebaliknya. Hasil penelitian ini berkontribusi kepada penyedia layanan P2P dan instansi pemerintah dalam mendukung pertumbuhan UMKM, khususnya di Sulawesi. Temuan ini menyoroti perlunya sosialisasi yang terarah untuk mempromosikan P2P Lending syariah sebagai solusi pembiayaan yang mudah diakses dan efisien.

Contribution of Islamic Banking Towards Economic Growth in Indonesia With Data Panel Regression Approach Dukalang, Hendra H.; Ningsih, Setia
Jeksyah: Islamic Economics Journal Vol. 4 No. 02 (2024): September 2024 Edition
Publisher : Fakultas Ekonomi dan Bisnis Islam _ IAIN Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/jeksyah.v4i02.1804

This study uses a panel data regression approach to analyze the contribution of Islamic banking to economic growth. The variables in this study consist of one dependent variable and three independent variables. The dependent variable is Economic Growth Income. while the independent variable consists of 3 variables, namely: Total assets, third party funds and Islamic financing. The population and samples used in this study were all provinces in Indonesia in 2014-2020. In this study, the panel data regression models used are the Common Effect Model (CEM), Fixed Effect Model (FEM), and Random Effect Model (REM). Selection of panel data regression estimation models using tests, namely the Chow Test and the Hausman Test. Based on the statistical methods used, the best model is obtained with the random effect model. The Fixed effect model above has an R-squared of 0.4742 or in other words the predictor variable is able to explain 47.42% of the response variable.

Building an optimal portfolio of Sharia-compliant stocks using the Markowitz model: A study of listed JII companies Ajuna, Luqmanul Hakiem; Dukalang, Hendra; Ardi, Muhammad
Jurnal Ekonomi & Keuangan Islam Volume 11 No. 2, July 2025
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JEKI.vol11.iss2.art10

Purpose – This study analyzes the expected returns and risks associated with these stocks and identifies the optimal portfolio composition.Methodology – This study utilized operational data analysis and the Markowitz model to assess 30 stocks listed on the JII from 2017 to 2020. Through purposive sampling, 13 companies that met the specific sample criteria were selected for analysis.Findings – The analysis successfully identified an optimal portfolio composed of six stocks: ANTM (Aneka Tambang Tbk), ICBP (Indofood CBP Sukses Makmur), INCO (Vale Indonesia Tbk), KLBF (Kalbe Farma Tbk), PTBA (Bukit Asam Tbk), and UNTR (United Tractors Tbk). This portfolio demonstrates an expected rate of return ranging from 0.28% to 1.88%. Notably, the portfolio's overall risk value was calculated to be only 0.19%, which is significantly lower than the individual risk associated with any single stock within the portfolio.Implication – This study provides valuable insights for investors looking to build a balanced and Shariah-compliant investment portfolio, improving their understanding of expected returns and associated risks in Islamic financial markets.Originality – The abstract does not explicitly state the originality section. However, the unique combination of focusing on JII-listed Sharia stocks and applying the Markowitz model to identify an optimal portfolio can be inferred as the original contribution of this study. The context of Islamic financial markets distinguishes it from that of a general investment study.

PELATIHAN MANAJEMEN DESA DAN PENYUSUNAN SOP PELAYANAN DESA DESA SALILAMA KECAMATAN MANANGGU KABUPATEN BOALEMO Gobel, Yulia Puspitasari; Dukalang, Hendra
Madani: Jurnal Pengabdian Ilmiah Vol. 1 No. 1 (2018): MADANI Jurnal Pengabdian Ilmiah
Publisher : LP2M IAIN Sultan Amai Gorontalo

Berlakunya kebijakan alokasi dana desa menuntut perangkat desa dapat meningkatkan kualitas layanan pemerintahan desa yang lebih baik. Tidak hanya layanan masyarakat, pemerintah desa juga diharapkan mengetahui prinsip dasar administrasi. Melalui pelatihan manajemen desa dan penyusunan standar oprasional prosedur (SOP) diharapkan dapat (1) meningkatkan kualitas SDM (perangkat desa) dalam pelayanan kepada masyarakat (2) Meningkatkan kedisiplinan perangkat pemerintahan desa yang menduduki lembaga yang ada (3) Memaksimalkan kemampuan perangkat desa dalam hal pengolahan data yang tersedia (4) meningkatkan Pola kerja perangkat desa agar tertib dalam administrasi maupun dalam pelaporannya.

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