Volume 4, Nomor 2, Agustus 2007

 

 

 

 

 

 

 

 

 

 

 

Faktor-Faktor yang Mempengaruhi Preferensi Nasabah FIF terhadap FIF Syariah Dengan

Principal Component Analysis (Studi Kasus Pada PT. Fif Cabang  Rawamangun Jakarta)

 

Safira
Nurul Huda                    115 – 138

Abstract

How consumers come to purchase product or service influenced by psychological, personal, social, and cultural characteristics. By identifying the four influences, company try to explain consumer choices and predict future purchasing behavior. Ultimately, marketers of the company use this information as a stressing point to develop marketing plans. The purpose of this research is to know the personal characteristics of the FIF consumers who have preference using FIF Syariah’product and describe the most dominant factors. There are ten variables consists of age, gender, marital status, education, occupation and the income, monthly installment, term of credit, costumer belief on their religion principal about the interest prohibition (riba). The collected data is analyzed with Pricipal Component Analysis Model (PCA) or main component analysis. Research result showed  that the most dominant factor influenced  the FIF consumers’ preference in using FIF Syariah’product was costumers economic factor those are income, term of credit and how much installment that costumers have to paid every mount.

 

The Role of Islamic Bank in Socio-Economic Development:

The Case of Islamic Bank in Indonesia

 

Handi Risza Idris                    139 – 160

Abstrak

Industri Perbankan Islam di Indonesia merupakan suatu fenomena yang sedang bertumbuh; yang diharapkan memiliki kontribusi yang signifikan baik dalam hal mobilisasi sumberdaya maupun terhadap perkembangan kondisi sosial ekonomi Indonesia. Makalah ini meneliti laporan keuangan dari bank-Bank Islam selama periode 1999-2003 untuk mengetahui apakah bank-bank tersebut telah meningkatkan perkembangan kondisi sosial ekonomi. Penelitian ini melihat tiga bentuk penggunaan pendanaan yang dilakukan oleh Bank Islam untuk mendukung tujuan-tujuan dan realisasi perkembangan kondisi sosial ekonomi. Baik dengan menggunakan indikator-indikator keuangan maupun indikator-indikator sosial ekonomi, penelitian menunjukkan bahwa Bank Islam di Indonesia belum memiliki kontribusi terhadap perkembangan kondisi sosial ekonomi. Karena sifat-sifat bank Islam sangat berbeda dibandingkan dengan bank konvensional, makalah ini memperkuat bahwa bank Islam seharusnya memiliki pengukuran lebih lanjut untuk mengukur kinerja yang diharapkannya.

 

Analisis Hubungan Persepsi Konsumen dengan Karakteristik  Pembeli

(Kasus: Kemasan Aqua Botol 600ml)

 

Nurul Huda
Wiwi Wulandari                       161 –185

Abstract

This research will analyze the correlation between consumer  perspective and buyer character (Case study: Package Bottle Aqua l  600 ml). Research result showed that education influenced significantly to consumer  perspective, but sex, ages, job and expenditure did not impact  significantly.

 

Faktor-Faktor yang Mempengaruhi Penawaran Pembiayaan Mudharabah  dan Musyarakah

(Studi Kasus: Bank Syariah Mandiri)

 

Desti Anggraini             186 – 211

Abstract

 The aim of this research is to analyse factors influencing the amount of supply musyarakah and mudharabah. This research represent case study at Bank Syariah Mandiri (BSM) period March 2001-Maret 2005. To analyse data used by two stage least square method. Research results indicated that all of variables that is profit, DPK and NPF by together can influence the amount of supply of mudharabah and musyarakah. Third mentioned variable can explain dependent variable equal to 98,81% and the rest that is 1,19% can be explained by other variable which not enter in model. Although third independent variable by together can influence the amount of supply mudharabah and musyarakah, but result of t test indicate that only profit variable which is significantly influence the amount of supply mudharabah and musyarakah.

 

Pengaruh  Karakteristik  Perusahaan  terhadap  Luas Pengungkapan  Sukarela Dalam

Laporan Tahunan (Studi Pada Industri Manufaktur yang terdaftar di BEJ)

 

Sovi Ismawati Rahayu              212 – 231

Abstract

The aim of this research is to find the firm characteristics that influence voluntary disclosure comprehensiveness. This research used 30 manufacturing companies listed at Jakarta Stock Exchange in the period of 2005. The analysis tools used in this research is multiple linier regression analysis. The independent variables i.e. company size, profitability, liquidity, the portion of stock owned by public investors and company age are predicted to influence voluntary disclosure comprehensiveness. The result of this research show that company size, leverage and company age are significantly associated with voluntary disclosure comprehensiveness.