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All Journal IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam Jurnal Perbankan Syariah
Safwira Guna Putra
UIN Mataram
Economics, Econometrics & Finance

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CAPITALIZATION RATE ON RESIDENTIAL SECTOR IN MATARAM Safwira Guna Putra
IQTISHADUNA Vol. 12 No. 2 (2021): IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam
Publisher : UIN Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (360.414 KB) | DOI: 10.20414/iqtishaduna.v12i2.4327

Abstract

The capitalization rate is an important factor and must be presented in order to valuing a property applying income approach and direct capitalization method. This paper attempt to measure the capitalization rate on residential sector in district of Mataram through the overall capitalization rate theory developed by the International Association of Assessment Officers. Measurements of central tendency and dispersion were conducted to find out early indications related to the characteristics and tendencies of the capitalization rate. In addition, regressivity and progressivity test was conducted through simple regression analysis and Spearman rank test correlation to determine the lease pattern. Utilizing purposive sampling as many as 70 samples were divided proportionally according to number of sub-district. This research showed that average capitalization rate in district is 4.39%, while average capitalization rate for each sub-district varied widely from 3.7% to 5.31%. Individually, the highest capitalization rate is 6.15% and the lowest is 3.33%. Higher capitalization rate indicated higher percentage return than lower capitalization rate. Regression and correlation analysis showed that capitalization rate tends to regressive against market price or there is a regressive relationship between capitalization rate and market price. The interesting result of this paper is a property with higher market price has lower percentage return than a property with lower market price, and vice versa.
TINGKAT LITERASI KEUANGAN DIGITAL (STUDI PADA MAHASISWA FAKULTAS EKONOMI DAN BISNIS ISLAM UNIVERSITAS ISLAM NEGERI MATARAM) Gita Yuliana Aulia; Safwira Guna Putra
Jurnal Perbankan Syariah Vol. 2 No. 1 (2023): Jurnal Perbankan Syariah
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to measure and analyze the level of digital financial literacy of students at the Faculty of Islamic Economics and Business, State Islamic University of Mataram using the measurement indicators proposed by Chen and Volve. This research is a descriptive quantitative research using survey methods for data collection. Aplying proportional random sampling so that the sample is spread proportionally from the total population. Data analysis was carried out by calculating the total score obtained for each indicator divided by the ideal score multiplied by 100 percent. The results showed that the average digital financial literacy level was 73.46% or moderate scale according to the financial literacy measurement index from Chen and Volve. In addition, it is known that sociodemographic factors such as gender, age, parental income, and work experience affects the digital financial literacy levels. Where male students tend to have a higher level of digital financial literacy than female students. Based on the age level, the older the student the higher the level digital financial literacy. Furthermore, based on the amount of parents monthly income, students who have parents with higher income levels tend to have higher levels of financial literacy as well. And finally, based on work experience, it was found that the digital financial literacy level of students who had work experience tended to have a higher percentage than students who had never worked.
Co-Authors Gita Yuliana Aulia