Hasil Pencarian  ::  Simpan CSV :: Kembali

"ABSTRAKThis study aims to determine the effect of mudharabah deposit deposits and deposit profit sharingrates on financial performance at Islamic commercial banks. This study uses secondary datasources in the form of quarterly financial bank documentation of Islamic commercial banks. Theresults of the study based on the t-test or partially show that mudharabah deposits have a positiveand significant effect on the financial performance of sharia commercial banks and the depositsharing rate has a positive and no significant impact on financial performance. Simultaneously(F test) shows that mudharabah deposit and deposit sharing rates have a positive and significanteffect on financial performance."

"ABSTRAKPenulisan skripsi ini adalah berdasarkan pada kondisi industri perbankan yang sangat diperngaruhi oleh nasabah dan masyarakat luas. Akan tetapi, sampai saat ini masih terdapat kejadian-kejadian penyimpangan yang dilakukan oleh karyawan bank yang terjadi. Secara spesifik, yang akan dibahas dalam skripsi ini adalah penyimpangan dalam bentuk pengalihan tabungan nasabah yang melawan hukum oleh karyawan bank, yang menimbulkan kerugian terhadap nasabah bank. Skripsi ini menganalisis pengalihan tabungan nasabah yang melawan hukum oleh karyawan bank sesuai dengan kegagalan bank dalam menegakkan prinsip kehati-hatian dan sistem pengendalian internal, perbuatan melawan hukum yang dilakukan oleh bank, dan vicarious liability yang dimiliki oleh bank.

---

ABSTRACTThe writing of this thesis is based on the condition of the banking industry that is highly dependent on customers and the broad public. However until this day, there are still numerous occurring of deviations committed by bank employees that happen. Specifically, the deviation discussed in this thesis is in the form of unlawful diversion of customer deposits, causing damage to their customers. This thesis analyzes the unlawful diversion of customer deposits committed by bank employees and the liability of banks according to the bank rsquo s failure to uphold the prudential principle and internal control system, bank committing tort and the vicarious liability of banks."

"ABSTRACTThis paper empirically assesses the relation between bank performance and capital regulation for Islamic banks from 13 countries and evaluates whether the relation varies with bank size, capital, and liquidity. We find small Islamic banks to be less stable and less profitable they also cut lending growth as capital regulation becomes more stringent. The stability and lending growth of big Islamic banks are, however, directly related to capital regulation. Further, capital regulation adversely affects the profitability of Islamic banks with low liquidity and high capital holdings. While capital regulation is needed, it should not be adopted in a blanket manner for all Islamic banks."

"In 2016, the mandatory use of biodiesel as a substitute fuel by up to 20%,as introduced by the Indonesian Ministry of Energy and Mineral Resources,forced vehicle manufacturers to invent suitable engines that would acceptbiodiesel. The use of biodiesel in such a large proportion is highly risky,particularly due to the formation of deposits in the combustion chamberengines. The previous method of fuel droplets are placed on a hot plateapproach produces deposits are slightly different from those generated by areal engine, therefore to obtain realistic deposits it is necessary to modifythis method so temperatures as hot as those in a real engine. In this study,the potential deposit formation of biodiesel fuel was examined by conductingthe deposition process and the evaporation of fuel on a stainless-steel plate(SS), which was placed in a closed space. Deposit characterization was carried outon a hot plate using Scanning Electron Microscopy (SEM). The test results showeddifferences in the structures of the deposits produced by biodiesel and dieselfuel; fine structures were seen in the former, while those of the latter wererougher and more porous. Deposit results that are similar to what is seen in areal engine will be very helpful for knowing the patterns, structures, and mechanismof the formation of deposits in such an environment."

"In 2016, the mandatory use of biodiesel as a substitute fuel by up to 20%, as introduced by the Indonesian Ministry of Energy and Mineral Resources, forced vehicle manufacturers to invent suitable engines that would accept biodiesel. The use of biodiesel in such a large proportion is highly risky, particularly due to the formation of deposits in the combustion chamber engines. The previous method of fuel droplets are placed on a hot plate approach produces deposits are slightly different from those generated by a real engine, therefore to obtain realistic deposits it is necessary to modify this method so temperatures as hot as those in a real engine. In this study, the potential deposit formation of biodiesel fuel was examined by conducting the deposition process and the evaporation of fuel on a stainless-steel plate (SS), which was placed in a closed space. Deposit characterization was carried out on a hot plate using Scanning Electron Microscopy (SEM). The test results showed differences in the structures of the deposits produced by biodiesel and diesel fuel; fine structures were seen in the former, while those of the latter were rougher and more porous. Deposit results that are similar to what is seen in a real engine will be very helpful for knowing the patterns, structures, and mechanism of the formation of deposits in such an environment."

"Pulau Ternate merupakan pulau vulkanik yang terbentuk dari tubuh Gunung Gamalama. Litologi di pulau ini didominasi oleh produk-produk vulkanik hasil erupsi gunung berapi. Akan tetapi, belum ada penelitian mengenai karakterisasi produk vulkanik dan sumbernya. Penelitian ini bertujuan untuk mengidentifikasi karakteristik endapan piroklastik, proses, dan mekanisme erupsi pada saat pembentukan endapan piroklastik di daerah penelitian. Metode yang digunakan dalam penelitian ini adalah Grain Size Distrubution (GSD) dan analisis komponen. Hasil penelitian menghasilkan data komponen pumice sebanyak tujuh jenis dan lithic sebanyak empat jenis. Mekanisme pengendapan yang membentuk endapan piroklastik merupakan pyroclastic fall. Terdapat setidaknya tiga kali fase erupsi yang membentuk endapan piroklastik, yaitu fase erupsi Gunung Telaga dan dua fase erupsi Gunung Gamalama yang ditandai dengan persebaran komponen.

---

Ternate Island is a volcanic island formed from the body of Mount Gamalama. The lithology of island is dominated by the volcanic products of the volcano eruption. However, no research has been done on the characterization of volcanic products and their sources. The study aims to identify the characteristics of pyroclastic deposits, processes, and eruption mechanisms at the time of the formation of pyroclastic deposits in the research area. The methods used in this study are Grain Size Distrubution (GSD) and component analysis. The results of the research resulted in data on the components of the pumice as many as seven types and the lithic as four types. The sedimentary mechanism that forms the pyroclastic deposits is a pyroclastic fall. There are at least three phases of the eruption that form the pyroclastic deposits, namely Mount Telaga's eruptive phase and two Phases of Mount Gamalama's Eruption characterized by the spread of components."

"Tujuan penelitian ini adalah untuk mengetahui seberapa besar pengaruh Tabungan Haji Mabrur yang dilakukan Bank Syariah Mandiri terhadap peningkatan dana pihak ketiga yang dicapai Bank Syariah Mandiri dengan pendekatan bauran pemasaran (produk, harga ,lokasi dan promosi) dan hubungan faktor demografi dengan tingkat pencapaian dana pihak ketiga dan Bauran Pemasaran.Metode penelitian dan pengumpulan data yang digunakan adalah menggunakan kuesioner dengan teknik analisa deskriptif statistik dan analisa regresi liner berganda terhadap 100 responden nasabah Tabungan Haji Mabrur Bank Syariah Mandiri di Cabang Thamrin dan unit dibawahnya (1 Cabang Pembantu dan 5 Kantor Kas).Dari hasil penelitian dapat disimpulkan dengan hasil R2 = 80.6% dengan tingkat signifikan pada level alpha 5% diperoleh bahwa produk, harga, lokasi dan promosi pada Tabungan Haji Mabrur mempengaruhi pencapaian dana pihak ketiga Bank Syariah. Lokasi pada Tabungan Haji Mabrur mempunyai pengaruh yang paling dominan terhadap pencapaian dana pihak ketiga Bank Syariah Mandiri. Harga pada Tabungan Haji mempunyai pengaruh yang kurang dominan terhadap pencapaian dana pihak ketiga Bank Syariah Mandiri. Pengaruh yang diberikan oleh masing-masing variabel bauran pemasaran faktor tersebut mempunyai nilai positif yang berarti setiap peningkatan variabel bauran pemasaran memberikan pengaruh positif terhadap peningkatan dana pihak ketiga.

---

The objective of this research is to find out the correlation of Hajj Saving Account to the volume of customers deposits in BSM, using the marketing mix approached (product, price, place and promotion) and the correlation of demographic factors to the volume of Hajj Saving Account and marketing mix.Research method and data collection used in this research was based on questionnaire with the analyst technique of descriptive statistics and multiple regression analysis, collected from 100 respondents of Hajj Saving Account depositors in BSM (Jakarta-Thamrin Main Branch and 5 branches under its supervision).The result of this research, with R2=80,6% and significant level 5%, is that marketing mix in Hajj Saving Account influences the volume of total deposits in BSM. Place is the most dominant factor while Price is the less dominant factor. Each factor of marketing mix has positive correlation to volume of total deposits in BSM. It means that the increasing of each factor independently increase the volume of total deposits."

"Endapan sediment exhalative merupakan endapan sulfida masif Pb-Zn-Ag yang terbentuk pada zona ekstensional passive continental margin di rentang umur Karbon Akhir hingga Permian Awal. Penelitian ini memiliki tujuan untuk memastikan bahwa sampel penelitian merupakan sampel endapan SEDEX sehingga dapat memberikan teori baru bahwa endapan SEDEX tidak hanya terdapat pada Formasi Kluet namun juga Formasi Alas. Kegiatan penelitian berlokasi di Kecamatan Siempatnempu, Kabupaten Dairi, Sumatera Utara dengan total 13 sampel penelitian yang terbagi atas 7 sampel dianalisis menggunakan metode petrografi, 6 sampel dianalisis menggunakan metode mineragrafi dan 3 sampel menggunakan metode XRF. Hasil analisis menunjukkan bahwa sampel penelitian ini memiliki karakteristik sebagai berikut, sampel penelitian tersusun atas 8 sampel wallrock dan 5 sampel bijih. Sampel wallrock ini merupakan batugamping kristalin dan batupasir sedangkan sampel bijihnya merupakan batulanau berwarna kehitaman selain itu pada sampel wallrock ditemukan adanya dua alterasi yaitu alterasi silisifikasi dan alterasi serisitik. Pada batuan dengan alterasi serisitik ditemukan cukup banyak mineral serisit (penambahan mineral serisit) sedangkan pada alterasi silisifikasi ditemukan banyak mineral kuarsa dan berubah jadi lebih keras akibat penambahan silika. Sedangkan sampel bijih memiliki karakteristik berbau besi, berwarna kehitaman dan memiliki mineral bijih yang melimpah seperti pirit, kalkopirit, sfalerit, galena dan bornit. Pada sampel bijih ditemukan juga adanya perlapisan mineral sulfida (sulfide banded) berulang yang menandakan sampel ini terbentuk secara syngenetic atau secara bersamaan dengan pengendapan sedimennya. Sampel penelitian diinterpretasikan sebagai endapan SEDEX yang telah mengalami proses pelapukan intens, hal ini terlihat dari kenampakan batuan secara makroskopis sehingga menurut Emsbo (2016) sampel ini dapat disebut sebagai endapan SEDEX tipe gossan. Berdasarkan analisis data XRF, sampel bijih memiliki kandungan unsur Pb dan Zn rendah (<1% wt), memiliki trace element seperti As, Mn dan Tl dan memiliki kandungan mineral hematit. Dari data tersebut dapat disimpulkan bahwa sampel bijih pada daerah penelitian merupakan sampel endapan SEDEX yang termasuk ke dalam fasies distal.

---

Sediment exhalative deposits are Pb-Zn-Ag massive sulfide deposits which formed in the extensional zone, passive continental margin during Late Carboniferous to Early Permian period. This study aims to ensure that the research samples are sample of SEDEX deposits so that it can provide a new theory that SEDEX deposits are not only found in the Kluet Formation but also in the Alas Formation. The research activity is located in Siempatnempu District, Dairi Regency, North Sumatra with a total of 13 research samples divided into 7 samples analyzed using the petrographic method, 6 samples using the mineragraphy method and 3 samples using the XRF method. The results of the analysis show that the research sample has the following characteristics: the research sample is composed of 8 wallrock samples and 5 ore samples. The wallrock sample consisted of crystalline limestone and sandstone, while the ore sample is blackish siltstone. In addition, the wallrock sample has undergo two different alterations, namely silicification and sericitic alteration. In rocks with sericitic alteration found a lot of sericite minerals (addition of sericite minerals) while in silicified alteration found a lot of quartz minerals and turns harder due to the addition of silica materials. The ore samples have some characteristics such smell of iron, blackish color and have abundant ore minerals such as pyrite, chalcopyrite, sphalerite, galena and bornite. In the ore sample, repeated sulfide banded were also found which indicating that this sample was formed syngenetically or simultaneously with the deposition of the sediment. The research sample is interpreted as a SEDEX deposit that has undergone an intense weathering process, this can be seen from the macroscopic appearance of the rock, so that according to Emsbo (2016) this sample can be called a gossan type SEDEX deposit. Based on XRF data analysis, the ore samples contain low Pb and Zn elements (<1% wt), have trace elements such as As, Mn and Tl and contain the hematite mineral. From these data, it can be concluded that the ore sample in the study area is a sample of SEDEX deposits belonging to the distal facies."

"Skripsi ini menganalisis pengaruh Deposits to Assets Ratio, Loan to Assets Ratio dan Market Share terhadap profitabilitas bank yang tidak mengadopsi dan mengadopsi electronic banking. Tujuan dari penelitian ini adalah untuk mengetahui pengaruh Deposits to Assets Ratio, Loan to Assets Ratio dan Market Share pada bank yang tidak mengadopsi dan mengadopsi electronic banking untuk meningkatkan profitabilitas perusahaan. Kegunaan dari penelitian ini adalah untuk melihat apakah bank sudah dapat secara efektif mengembangkan layanan electronic banking dalam tujuannya meningkatkan profitabilitas perusahaan. Dalam penelitian ini, digunakan metode data panel dengan estimasi random effect. Hasil penelitian yang telah dilakukan dengan menggunakan aplikasi Eviews, pada bank yang tidak mengadopsi E-Banking, Deposits to Assets Ratio tidak berpengaruh secara signifikan terhadap ROA dan ROE kecuali NIM, pada bank yang mengadopsi E-Banking ditemukan hasil ROE dan NIM tidak signifikan kecuali ROA. Bank yang tidak mengadopsi E-Banking Loan to Assets Ratio berpengaruh secara signifikan terhadap ROA dan NIM kecuali ROE, pada bank yang mengadopsi E-Banking ROA, ROE, dan NIM tidak signifkan. Bank yang tidak mengadopsi E-Banking Market Share berpengaruh secara signifikan terhadap ROA, ROE, dan NIM, sedangkan bank yang mengadopsi E-Banking ROA dan ROE signifikan kecuali NIM.

---

This thesis analyzes the influence of Deposits to Assets Ratio, Loan to Assets Ratio and Market Share on profitability of banks that do not adopt and adopt electronic banking. The purpose of this study is to determine the influence Deposits to Assets Ratio, Loan to Assets Ratio and Market Share in banks that do not adopt and adopt electronic banking to increase the profitability of the company. The usefulness of this study was to see whether the bank has been able to effectively develop its electronic banking services to improve the company's profitability objectives. In this study, the method used panel data to estimate random effect.

Results of research that has been done using Eviews application, for banks that do not adopt electronic banking research showed that on banks that do not adopt the E-Banking, Deposits to Assets Ratio does not significantly affect the ROA and ROE except NIM, the bank that adopted the E-Banking ROE and NIM results found insignificant except ROA. On banks that do not adopt the E-Banking Loan to Assets Ratio significantly affect ROA and NIM except ROE, the bank adopted the E-Banking ROA, ROE, and NIM was not signifkan. On banks that do not adopt the E-Banking Market Share significant effect on ROA, ROE, and NIM, while the banks are adopting E-Banking ROA and ROE are significant except NIM."