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All Journal EKO-REGIONAL JURNAL PENGEMBANGAN EKONOMI WILAYAH Performance
Sri Lestari
Faculty of Economics and Business, Universitas Jenderal soedirman
Economics, Econometrics & Finance Education

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Analisis faktor-faktor yang mempengaruhi pembiayaan murabahah dan pengaruhnya terhadap return on asset (ROA) Firmansyah Romadhona; Sri Lestari; Sulistyandari Sulistyandari
Performance: Jurnal Personalia, Financial, Operasional, Marketing dan Sistem Informasi Vol 24 No 1 (2017): Performance
Publisher : Faculty of Economics and Business Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (743.248 KB)

Abstract

Purpose: The purpose of this research is to analyze the influence of non performing financing, wadiah savings, financing to deposit ratio, and operating income expense toward murabahah financing and the influence to return on asset. Methodology: This research used panel data regression analysis as model to test the hypothesis. The population in this research was Sharia Rural Banking (BPRS) on Indonesia during 2012-2015 consisting of 168 banks. While, the sample of this research was taken by purposive sampling method which was 25 banks. Findings: The result of this research shows that: (1) non performing financing has no effect toward murabahah financing; (2) wadiah savings has positive effect toward murabahah financing; 3) financing to deposit ratio has no effect toward murabahah financing; (4) operating income expense has negative effect toward murabahah financing; and (5) murabahah financing has positive effect toward return on asset. Implications: Implication based on result of this research is the management needs to increase wadiah savings and decrease operating income expense because it can increase the murabahah financing. The management also needs to increase murabahah financing, because in this research it is proven that it can increase the return on asset. Keywords: non performing financing, wadiah savings, financing to deposit ratio, operating income expense, murabahah financing, return on asset.
Inequality of Income Distribution in Rural and Urban Poor Communities (A Case Study on Former Beneficiaries of PNPM-M Program in Banyumas Regency) Dijan Rahajuni; Suprapto Suprapto; Lilis Siti Badriah; Sri Lestari; Ascaryan Rafinda
EKO-REGIONAL Vol 12, No 2 (2017)
Publisher : Jurusan Ilmu Ekonomi dan Studi Pembangunan Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1137.94 KB) | DOI: 10.20884/1.erjpe.2017.12.2.1140

Abstract

The success of economic development should not only focus on economic growth, but also efforts to increase income and purchasing power along with equal income distribution. Inequality of income distribution is a problem that must be addressed immediately because it will have a broad impact on the next development process. The object of this research was poor communities as the beneficiaries of revolving loan of The National Program for Community Empowerment-Independent (PNPM-M). The research method was survey on beneficiary respondents in urban areas (PNPM-MP) and rural areas (PNPM-PMd), conducted using a questionnaire. Data analysis in this research used income distribution inequality criteria from World Bank and Gini Ratio. The result found that more than 50% of respondents both in groups and areas had low income and did not meet the standard for decent living standard (KHL). The average respondents income distribution both in the groups or areas according to the World Bank and Gini Ratio criteria was in the moderate category. However according to areas, inequality of income distribution in rural areas was higher than in urban areas. To minimize income inequality between the communities, community groups and areas, it is necessary to empower the community based on the potential of local economic resources.Keywords: Income Distribution, PNPM-M, KHL, Gini Ratio
Co-Authors Ascaryan Rafinda Dijan Rahajuni Firmansyah Romadhona Lilis Siti Badriah Sulistyandari Sulistyandari Suprapto Suprapto