Islamic banks have been known as the resistant banks to the global crisis that hit Indonesia a few years ago. The unique maintenance of Islamic bank performance leads to business continuity. Some Islamic bank performance can be measured by its profitability. There are some factors that affect the profitability Islamic bank and used in this study including CAR, BOPO, and NPF. While the purpose of this study is to determine the effect of CAR, BOPO and NPF on the profitability of Islamic commercial banks. The population of this research is the Islamic commercial bank whose financial statements have been published to the statistics of Islamic banks from 2015 -2017. This research used secondary data from OJK website. Data analysis in this paper conducted multiple linear regression analysis method. The results of this study indicate that the BOPO variable has a significant effect on ROA. On the other hand CAR and NPF variables have no significant effect on ROA.
This paper investigated some determining factors that influence Indonesia Sharia Stock Index (ISSI). Some macroeconomic variables are used as an independent variable such as central bank interest rates, inflation, currency exchange rate, and return rates of Bank Indonesia Sharia Certificates (SBIS). This study conducted the Error Correction Model (ECM) to analyze times series data during October 2013 and September 2017. The findings showed that Indonesia Sharia Stock Index (ISSI) is influenced significantly and negatively by central bank interest rates in long term analysis. Similarly, in short term analysis, the central bank interest rates affect significantly and negatively on ISSI as well as the currency exchange rates. On the other hand, SBIS return rates and inflation are indicated to have a non-significant negative effect on ISSI. This study suggested that investors of ISSI consider Central Bank interest rates, inflation, rupiah exchange rates, and SBIS rates of return to predict the stock price so investors can make the right decisions in their investment policies. This paper also recommended the Indonesian Central Bank to effectively manage their monetary policy and promote ISSI as an alternative investment which is resistant by the negative effect of inflation in short term analysis.
This study investigated the impact of ZIS (Zakat, Infaq, and Sadaqah) Gross Regional Domestic Products, Regional Minimum Wages, and Inflation on Poverty Levels in Indonesia during the 2012-2016 period. .This paper used secondary data in the panel data form. This research conducted a quantitative approach using panel data regression. Based on the results of the panel data testing, the best model chosen is the Random Effect Model (REM). Variables of gross regional domestic products and regional minimum wages have a significant effect on poverty levels in Indonesia while the variables of zakat, infaq, and shadaqah (ZIS) and inflation do not influence the level of poverty in Indonesia.
This study explains the impact of Islamic branding on purchasing decisions made by facial wash wardah consumers. This study aims to discover how the level of consumer knowledge about Islamic branding and the impact of purchasing decisions. The approach used in this research is descriptive phenomenology, which is simply understood by focusing on certain phenomena by understanding the meaning of an individual experience related to a particular phenomenon. Researchers interviewed 16 consumers of facial wash wardah products to get an idea of Islamic branding's impact on purchasing decisions. Data collection techniques used were interviews and literature review. This study indicated that Islamic branding influences the purchasing decision of facial wash wardah products because Islamic branding that is understood is the presence of halal labels and brand ambassadors who mostly use the hijab. The use of halal labels considers purchasing decisions because consumers can trust products that use halal labels. Consumers understand Islamic branding as something inherent in a product, such as halal labels and marketing using sharia principles. Islamic branding has an impact on purchasing decisions for halal skincare (facial wash) products.
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