Purpose of the study: This study aimed to determine the effect of the level of health of the banking consisting of Non-Performing Financing (NPF), Financing to Deposit Ratio (FDR), Return on Asset (ROA), Return on Equity(ROE) and Capital Adequacy Ratio (CAR) to the BPR Syariah Profit Growth in East Java province. Methodology: This study uses a quantitative approach to analyze the description of the measured ratios Main Findings: The study concluded that the NPF ratio and ROE no effect on profit growth. Except for FDR, ROA and CAR have a significant effect on earnings growth. Applications of this study: The populations used in this study were all Sharia Rural Bank (BPRS) East Java Province recorded in the Financial Services Authority (FSA) selected period 2015-2017 with a total population of 26 banks. Novelty/Originality of this study: BPR Syariah is a banking company that has different characteristics compared to conventional banks. With these different characteristics, Sharia Rural Banks need to be reviewed specifically, where conventional bank reviews are not necessarily in accordance with Sharia Rural Bank conditions.
This study purpose to determine the influency of product quality, price, promotion and quality of service of partially and simultaneously on the consumer decision making process in choosing a coffee shop in Lumajang Regency. This research type is descriptive with a causal associative approach. This research using 100 respondents. The sampling technique used is Simple Random Sampling. Hypothesis testing using multiple linear regression analysis for hypotheses through the SPSS 21 for windows program. Results of the study showed that product quality, promotion and service quality there is a significant positive influency for partially on the decision making process of consumers in choosing a coffee shop in Lumajang Regency. The price of a positive influence is not significant to the consumer's decision making process in choosing a coffee shop in Lumajang Regency. Simultaneously product quality, price, promotion and service quality have a significant positive effect on the decision making process of consumers in choosing a coffee shop in Lumajang Regency. The variables studied affected 54.1% of the consumer decision making process in choosing a coffee shop in Lumajang Regency and the rest was influenced by another variables.
The Financial Services Authority assesses the national banking industry in the better shape shown by some indicators, one of which the involvement of the Government in realizing economic growth. With the better banking conditions will marimbas Bank on growth Of Islamic Peoples. This research aims to know the level of health of bank Syariah BPR in East Java by using methods of Risk-Based Bank Rating. The assessment by the method of Risk-Based Bank Rating consists of four factors of risk profile, Good Corporate Governance, earning and capital of each bank. This research uses descriptive method quantitative approach to analyze the ratio-the ratio of the measured. The data type used is the time series data of the year 2015 – 2017. Source data obtained from the Financial Services Authority website (OJK). Data analysis techniques using analysis of Risk-Based Bank Rating (RBBR) consist of four-factor risk profile, Good Corporate Governance, earning and capital. The study concluded that the overall average value of NPF Bank Of Islamic People (BPRS) of 13.37% unhealthy, with an average overall rating Of Sharia Rural Banks ROA (BPRS) of 0.11% with the predicate less healthy and that the average overall rating Of Sharia Rural Banks CAR (BPRS) amounted to 28.47% with very healthy.
This activity aims to assist product packaging innovation, innovate flavors and product variances, and provide marketing assistance. The approach offered for solving partner problems consists of surveys, interviews, practice, monitoring and evaluation. The product innovation and marketing assistance that has been proposed has succeeded in making soy milk packaging more attractive and varied, while the innovation in the taste of soy milk also makes the product taste different from before, marketing assistance makes partners more competitive and can expand the market This activity is fully supported by the soy milk business group, because it succeeded in providing new ideas in terms of providing packaging design, flavor variance innovation and product marketing.
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