Anny Ratnawati
Institut Pertanian Bogor (IPB) Kampus IPB Darmaga Bogor, Jl. Raya Darmaga, Jawa Barat 16680

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POTENSI DAN STRATEGI PENGEMBANGAN BANK SYARIAH DI INDONESIA Ratnawati, Anny
Jurnal Manajemen & Agribisnis Vol 2, No 1 (2005): Vol. 2 No. 1 Maret 2005
Publisher : Graduate Program of Management and Business Bogor Agricultural University

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Abstract

At the present, Indonesia operate dual banking system that are conventional banking system with its interest rate runs side by side with the Islamic banking with the profit-sharing/non-interest system of its own.  The development of Islamic banking should be based on market driven by driving the community demand that always considering the banking prudential principle.  The development of Islamic bank will encourage the development of real sector as well because the basis of profit-sharing system is the activities of real sector, not from investment of other sector (non real sector), case in point the rate of obligation and/or the rate of Certificate of Central Bank.  In general, community’ s respond toward Islamic bank is good relatively that shown by the trend of Third Parties Funding and Financing to Deposit Ratio with low level of Non Performing Loan. This study assess the consumer’s preference toward both conventional and Islamic Banking, in related with analysis of potency and development strategy of Islamic banking in Indonesia. The analysis of data by using qualitatively (descriptive) analysis, cross tabulation and logistic regression model.  In general, community’s attitude toward interest rate system still ambiguous, that are interest rate is contrary to ‘syariah of Islam‘, meanwhile in banking transaction they still use conventional system.  The reasons that motivate consumer to adopt Islamic banking related to professionalism of bank, security and pleasure in doing transaction, strategic location and the implementation of syariah system.  However, community still has difficulties to comprehend the technical term of Islamic banking.  Thus, socialization and education process about economic system of Islam (syariah economic) designate necessary requirement in encourage the development of Islamic banking in the future. 
APLIKASI NPV AT RISK DALAM ANALISIS KELAYAKAN FINANSIAL BUDIDAYA JAMUR TIRAM PUTIH DI KABUPATEN BOGOR JAWA BARAT Sarianti, Tintin; Sasongko, Hendro; Ratnawati, Anny
Jurnal Manajemen & Agribisnis Vol 5, No 2 (2008): Vol. 5 No. 2 Oktober 2008
Publisher : Graduate Program of Management and Business Bogor Agricultural University

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Abstract

The purpose of this study where to analyze white oyster mushroom farming activity in Sub-Province of Bogor, to analyze financial feasibility of  white oyster mushroom farming activity for high and low land in Sub-Province of Bogor by NPV at Risk Method and to analyze the switching value for the changes of cost and benefit in  white oyster mushroom farming activity.  The data were collected from 6 farmer living in high and low land in Sub-Province of Bogor. The NPV at risk model and switching value analysis were used to analyze tha data.  The result of the study showed that white oyster mushroom farming activity for high and low land in Sub-Province of Bogor were feasible by financial that considered by investors in selecting the location to act the white oyster mushroom farming.  The risks like price risk, production risk in that activity have accomodated in to cash flow.  Accomodation for price risk was used the inflation rate and for production risk was used estimation for failure of crop in white oyster mushroom farming activity according the farmers in location.  Switching value was used for to analyze maximum changes in cost and benefit which were developing the cash flow.  The maximum changes describes that the changes admit of tolerated.  The result for switching value analysis showed that the decreasing of production of white oyster mushroom (fresh and baglog) more sensitive than the others (decreasing of fresh white oyster mushroom price and increasing of varible input cost).  This matter showed that production risk having an effect on white oyster mushroom farming activity than price risk.  According that situation, the farmer must be repaire the technology of  white oyster mushroom farming activity. The application of this model gives many outputs (NPV) and risks variabilities so that it can give  a much more attractive and variying recommendation especially for the investors to do the investment decision especiaaly for white oyster mushroom farming activity
ANALISIS PERILAKU KONSUMEN KOTA BOGOR TERHADAP PRODUK KOSMETIK HIJAU Ardianti, Nadya Tanaya; Fahmi, Idqan; Ratnawati, Anny
Jurnal Manajemen & Agribisnis Vol 5, No 1 (2008): Vol. 5 No. 1 Maret 2008
Publisher : Graduate Program of Management and Business Bogor Agricultural University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (71.575 KB)

Abstract

The exploding societal movement based upon environmental concerns and consumer awareness is spreading all over the globe. As a result, consumers concern about environmental issues is growing significantly and marketers have realized the importance of introducing green cosmetic products.However, there is doubt whether this awareness and concern is translated into the right behavior. In this study, consumers’ attitudes, behaviors, perception and demographic factor were manipulated to determine their relative influence on willingness to pay for green cosmetic products. The results showed consumer’s age, education, income and ecoliteracy to be the consistent explanatory factor in predicting their willingness to pay. The result also suggested that attitude toward firm’s responsibilities and buying behavior which’s consider environment factor to be the consistent explanatory factor in predicting their willingness to pay. This study also examined the relationships between consumer’s attitude, subjective norms, perceived behavior control and green cosmetic buying intentions using the Theory of PlannedBehavior (TPB). This study revealed that at significance level ten percent, attitude, subjective norm and perceived behavior control correlates positively with intention.
TINGKAT KETERBUKAAN, KOMPETISI DALAM ARUS PERDAGANGAN INDONESIA DI ASIA*: SUATU PENDEKATAN EKONOMETRIKA Usman, Joko S.; Tambunan, Mangara; Siregar, Hermanto; Ratnawati, Anny
IJAE ( Jurnal Ilmu Ekonomi Pertanian Indonesia ) Vol 2, No 2 (2011)
Publisher : IJAE ( Jurnal Ilmu Ekonomi Pertanian Indonesia )

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Abstract

The information presented in the seminar is obtained from the research in respect of tradeopenness, competitiveness and flows of our export and import of industrial productsbetween Indonesia and its trading partners in Asia. Research has concluded that tradeopenness has positive relationship with our economic growth.. Indonesian trade flows hassignificant opportunity to augment its performance, substantiated by our finding on speedof convergence test in our bilateral trade with the partners, suggesting that they aredesirable partners for an Asian FTA Further we find that our international trade flows aHeckscher-Ohlin model more than increasing return or products differentiation or still aninter-industry trade rather than intra industry trade, substantiated with positive coefficientTCI variable and low Grubel Lloyd index. However please note that some of our industrialproducts have already well positioned with high Grubel Lloyd index. Combining the abovefindings, the Indonesian international trade policy should be addressed toward increasing itsintra industry trade through appropriate investments and industrial restructuring.Key words: gravity model, openness, trade flows, inter-intra industry trade Asian FTA
APLIKASI NPV AT RISK DALAM ANALISIS KELAYAKAN FINANSIAL BUDIDAYA JAMUR TIRAM PUTIH DI KABUPATEN BOGOR JAWA BARAT Sarianti, Tintin; Sasongko, Hendro; Ratnawati, Anny
Jurnal Manajemen & Agribisnis Vol 5, No 2 (2008): Vol. 5 No. 2 Oktober 2008
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jma.5.2.73-86

Abstract

The purpose of this study where to analyze white oyster mushroom farming activity in Sub-Province of Bogor, to analyze financial feasibility of  white oyster mushroom farming activity for high and low land in Sub-Province of Bogor by NPV at Risk Method and to analyze the switching value for the changes of cost and benefit in  white oyster mushroom farming activity.  The data were collected from 6 farmer living in high and low land in Sub-Province of Bogor. The NPV at risk model and switching value analysis were used to analyze tha data.  The result of the study showed that white oyster mushroom farming activity for high and low land in Sub-Province of Bogor were feasible by financial that considered by investors in selecting the location to act the white oyster mushroom farming.  The risks like price risk, production risk in that activity have accomodated in to cash flow.  Accomodation for price risk was used the inflation rate and for production risk was used estimation for failure of crop in white oyster mushroom farming activity according the farmers in location.  Switching value was used for to analyze maximum changes in cost and benefit which were developing the cash flow.  The maximum changes describes that the changes admit of tolerated.  The result for switching value analysis showed that the decreasing of production of white oyster mushroom (fresh and baglog) more sensitive than the others (decreasing of fresh white oyster mushroom price and increasing of varible input cost).  This matter showed that production risk having an effect on white oyster mushroom farming activity than price risk.  According that situation, the farmer must be repaire the technology of  white oyster mushroom farming activity. The application of this model gives many outputs (NPV) and risks variabilities so that it can give  a much more attractive and variying recommendation especially for the investors to do the investment decision especiaaly for white oyster mushroom farming activity
DAMPAK KEBIJAKAN INFLATION TARGETING TERHADAP BEBERAPA VARIABEL MAKROEKONOMI DI INDONESIA Nuryati, Yati; Siregar, Hermanto; Ratnawati, Anny
Buletin Ekonomi Moneter dan Perbankan Vol 9 No 1 (2006): JULY 2006
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (748.588 KB) | DOI: 10.21098/bemp.v9i1.153

Abstract

This paper discusses the effects of the inflation targeting framework on a number of macroeconomic variabels in Indonesia, especially after the enactment of Law No. 23/1999. The objectives of the paper are: (1) to describe the independence aspect of the inflation targeting policy; and (2) to highlight the effects of the inflation targeting on a set of main macroeconomic variables.The anaysis uses the Vector Autoregression (VAR) approach, emploting the time series data during the periode of 1998:1 to 2003:6. The main results of this research are: (1) The Central Bank (BI) independence is not yet effective in the implementation of the inflation targeting; (2) the shock on the interest rate affects price level and the exchange rate trivially; and (2) the factors that influence price’s variability are the base money, the interest rate, and the exchange rate. In the long run, a shock to the base money is more important than to the interest rate and to the exchange rate. The study suggests to use base money as the policy instrument of the monetary policy, instead of the short term interest.Keywords: monetary policy, independence, inflation targeting, VARJEL Classification: C32, E31, E52
POTENSI DAN STRATEGI PENGEMBANGAN BANK SYARI’AH DI INDONESIA: KAJIAN PRODUK SYARI’AH DARI SEGI FIQIH MU’AMALAT Ratnawati, Anny; Mursid, Mansur Chadi
Jurnal Hukum Islam Volume 9, Nomor 2, Desember 2011
Publisher : IAIN Pekalongan

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Abstract

At the present, Indonesia operate dual banking system that are conventional banking system with its interest rate runs side by side and the Islamic banking with the profit-sharing/non-interest system of its own. Islamic banking using fiqih mu’amalat as the basic theory in the syari’ah product. In general, community’s respond toward Islamic bank is good relatively that shown by the trend of Third Parties Funding and Financing to Deposit Ratio with low level of Non Performing Loan. This paper assess the consumer’s preference toward both conventional and Islamic banking, in related with analysis of potency and development strategy of Islamic banking in Indonesia by using fiqih mu’amalat as the basic theory. The analysis of data by using qualitatively (descriptive) analysis, cross tabulation, and logistic regression model. Literature study used in this paper. In general, community’s attitude toward interest rate system still ambiguous, that are interest rate is contrary to syari’ah of Islam, meanwhile in banking transaction they still use conventional system. The reasons that motivate consumer to adopt Islamic banking related to professionalism of bank, security, and pleasure in doing transaction, strategic location, and the implementation of syari’ah system. However, community still has difficulties to comprehend the technical term of Islamic banking. Thus, socialization and education process about economic system of Islam (syari’ah economic) designate necessary requirement in encourage the development of Islamic banking in the future.
POTENSI DAN STRATEGI PENGEMBANGAN BANK SYARIAH DI INDONESIA Ratnawati, Anny
Jurnal Manajemen & Agribisnis Vol 2, No 1 (2005): Vol. 2 No. 1 Maret 2005
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jma.2.1.73-80

Abstract

At the present, Indonesia operate dual banking system that are conventional banking system with its interest rate runs side by side with the Islamic banking with the profit-sharing/non-interest system of its own.  The development of Islamic banking should be based on market driven by driving the community demand that always considering the banking prudential principle.  The development of Islamic bank will encourage the development of real sector as well because the basis of profit-sharing system is the activities of real sector, not from investment of other sector (non real sector), case in point the rate of obligation and/or the rate of Certificate of Central Bank.  In general, community? s respond toward Islamic bank is good relatively that shown by the trend of Third Parties Funding and Financing to Deposit Ratio with low level of Non Performing Loan. This study assess the consumer?s preference toward both conventional and Islamic Banking, in related with analysis of potency and development strategy of Islamic banking in Indonesia. The analysis of data by using qualitatively (descriptive) analysis, cross tabulation and logistic regression model.  In general, community?s attitude toward interest rate system still ambiguous, that are interest rate is contrary to ?syariah of Islam?, meanwhile in banking transaction they still use conventional system.  The reasons that motivate consumer to adopt Islamic banking related to professionalism of bank, security and pleasure in doing transaction, strategic location and the implementation of syariah system.  However, community still has difficulties to comprehend the technical term of Islamic banking.  Thus, socialization and education process about economic system of Islam (syariah economic) designate necessary requirement in encourage the development of Islamic banking in the future. 
ANALISIS PERILAKU KONSUMEN KOTA BOGOR TERHADAP PRODUK KOSMETIK HIJAU Ardianti, Nadya Tanaya; Fahmi, Idqan; Ratnawati, Anny
Jurnal Manajemen & Agribisnis Vol 5, No 1 (2008): Vol. 5 No. 1 Maret 2008
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jma.5.1.16-22

Abstract

The exploding societal movement based upon environmental concerns and consumer awareness is spreading all over the globe. As a result, consumers concern about environmental issues is growing significantly and marketers have realized the importance of introducing green cosmetic products.However, there is doubt whether this awareness and concern is translated into the right behavior. In this study, consumers? attitudes, behaviors, perception and demographic factor were manipulated to determine their relative influence on willingness to pay for green cosmetic products. The results showed consumer?s age, education, income and ecoliteracy to be the consistent explanatory factor in predicting their willingness to pay. The result also suggested that attitude toward firm?s responsibilities and buying behavior which?s consider environment factor to be the consistent explanatory factor in predicting their willingness to pay. This study also examined the relationships between consumer?s attitude, subjective norms, perceived behavior control and green cosmetic buying intentions using the Theory of PlannedBehavior (TPB). This study revealed that at significance level ten percent, attitude, subjective norm and perceived behavior control correlates positively with intention.