Entering the ASEAN Economic Community (AEC) in 2015, the Islamic banking in Indonesia is expected to have better performance to compete sustainably with local banks and foreign. The performance of the banks using the cost efficiency approach with a focus on two inputs (cost of fund and cost of labor) and the two outputs (total financing and owned securities). Using Stochastic Frontier Approach (SFA) and Data Envelopment Analysis (DEA) on Islamic Banks during the period of January 2010 to December 2013, the result shows that the level of efficiency of the Islamic banks in Indonesia is not optimal. Our calculation shows different result for both method (SFA and DEA), where the highest efficiency levels using SFA methodis Bank Mega Syariah, while with the DEA method is Bank Muamalat Indonesia. Leaving some option of strategies to improve their cost efficiency; this includes increasing their assets, increasing deposits, and cut cost the unnecessarily cost. More strategy includes product innovation, reducing the salary of the board of directors, and put the funds in profitable portfolio. For the authorities, this paper has demonstrated the use of frontier approach as good alternative in assessing the performance of the banks.
Abstract.Underachiever is a child with a performance that does not comply with the conditions they are supposed to have. Many things can cause a child to be an underachiever. One reason is the teachers teaching methods that can not be enjoyed by children as they should. Another cause is the students learning style that can not be accommodated in the classroom. The condition is often associated with gifted underachiever. Guidance and counseling to help children understand the conditions underachiever themselves. In-depth guidance and counseling can also help the child adjust to learning in the classroom. Parental involvement in the treatment of children with problems can underachiever positive effect on child development.
Underachiever is a child with a performance that doesnot comply with the conditions they are supposed to have.Many things can cause a child to be an underachiever. Onereason is the teachers teaching methods that can not beenjoyed by children as they should. Another cause is thestudents learning style that can not be accommodated in theclassroom. The condition is often associated with giftedunderachiever. Guidance and counseling to help childrenunderstand the conditions underachiever themselves. In-depthguidance and counseling can also help the child adjust tolearning in the classroom. Parental involvement in thetreatment of children with problems can underachiever positiveeffect on child development.Keywords: underachiever, guidance and counseling.Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â
The aims of this study are to know the level of efficiency and profitabilityamong Islamic full pledge Banks in Indonesia. Using parametric approach namelyStochastic Frontier Approach (SFA) to calculate efficiency and using ROAâs ratioto calculate profitability. The result showed that the BMS was the greatest level ofefficiency among Islamic Banks in Indonesia which influence the input and outputlevel of efficiency of BMS are personnel expenses, cost-sharing expenses, and totalfinancing which owned. Besides, the result showed that it was the greatest levelof profitability which factors influencing of profitability of BMS is BOPOâs ratio.The result also showed that the BMI had low efficiency but sufficient profitability.It has sufficient efficiency and high profitability, the BMS have sufficient efficiencyand profitability, the BRIS have low efficiency and profitability, and the BSB havehigh efficiency and low profitability.DOI: 10.15408/aiq.v8i1.2507
Studi pendahuluan sintesis nano partikel ferromagnetik cobalt ferrit dengan metode ko-presipitasi dilanjutkan dengan aniling telah dilakukan. Aniling dilakukan pada keadaan atmosfir. Hasil karakterisasi TG-DTA memperlihatkan bahwa proses pertumbuhan kristal berada pada temperatur lebih dari 500C. Hasil analisis struktur kristal memperlihatkan sampel yang terbentuk adalah CoFe2O4 dengan puncak spektrum berada pada sudut 2= 35,7 bersesuaian dengan bidang indeks Miller (hkl) = 311 dengan ukuran butiran sekitar 28,5 nm. Akhirnya, hasil analisis vibrating sampel magnetometer menegaskan bahwa sampel cobalt-ferit memiliki medan coersif HC = 313 Oe.
Penelitian ini bertujuan untuk mengidentifikasi permasalahan yang dihadapi orangtuadan guru dalam mendampingi belajar anak MDVI, pengembangan kemampuan belajar,dan pengembangan draf instrumen asesmen berbasis kebutuhan belajar anak MDVI.Metode penelitian menggunakan pendekatan kualitatif dengan melihat secara naturalkondisi yang senyatanya. Hasil penelitian mengidentifikasi 29 kebutuhan belajar untukdikembangkan dalam instrumen asesmen pembelajaran. Aspek yang harus dikembangkandalam mengoptimalisasikan kemampuan belajar anak MDVI meliputi performancedi sekolah, rabaan, ketidakamanan gravitasi, otot, koordinasi bilateral, perencanaanmotorik, koordinasi motorik kasar dan halus, penglihatan, pendengaran, pembau, danpencecap. Draf instrumen asesmen yang dikembangkan berbasis kebutuhan belajar anakMDVI terdiri dari instrumen identifikasi permasalahan yang dihadapi orangtua dalampendampingan belajar, identifikasi komponen pengembangan kemampuan belajaranak dan instrumen identifikasi dan asesmen kebutuhan belajar anak tunanetra dengankecacatan tambahan. Berdasarkan penilaian kelompok pengguna disimpulkan bahwadraf instrumen identifikasi dan asesmen kebutuhan belajar âMultiple Disabilities VisuallyImpairedâ dapat digunakan dengan adanya revisi sesuai dengan masukan pengguna.Masukannya dalam aspek pemilihan kata yang mudah dipahami, perlu adanya contohkongkrit, pembenahan kalimat pernyataan dan penyederhanaan kalimat
Abstract. In the midst of tight competition, Islamic banking is expected to have a goodperformance in order to compete with conventional banks both local and foreign. Thepurposes of this study were to analysis the bank cost efficiency level and analysis theeffect of input (cost of fund and cost of labor) and output variables (total financing andowned securities). The object of this study is Islamic Banks (BUS) which operates duringthe period of January 2010 to December 2013. Methods of Stochastic Frontier Approach(SFA) was used to analyze the level of cost efficiency and multiple regression analysis tosee the influence of the factors of input and output to the level of cost efficiency. Theresults showed that the level of efficiency of the BUS is not optimal because there are upto 100%. BMS has the highest efficiency levels. The input and output factors thatinfluence the bank (BUS) cost efficiency level are cost of fund, cost of labor, and totalfinancing.Keywords: Cost Efficiency, Islamic Bank, SFA
The success of the banking world will be fulfilled if it can create customersatisfaction to achieve the goal then the banking company apply RelationshipMarketing. But creating customer satisfaction is not easy then this study aims toanalyze the influence of the implementation of Relationship Marketing to customersatisfaction consisting of three dimensions of the Financial Benefits, Social Benefitsand Confidence Benefits. The method used in this research is quantitativecorrelational. Methods of data analysis of this study using multiple linear regression.The results showed that simultaneously the variables Financial Benefits, ConfidenceBenefits and Social Benefits significantly influence customer satisfaction. PartiallyFinancial Benefits and Confidence Benefits have no significant effect on customersatisfaction, BNI Syariah should pay more attention and improve Financial Benefitsand Confidence Benefits to create optimal customer satisfaction while SocialBenefits partially significantly influence customer satisfaction BNI Sharia Bank canimprove customer satisfaction with more emphasis on Social Benefits variable.
Kami perlihatkan skema teleportasi terkontrol dua kubit sembarang via kanal lima kubit yang merupakan kombinasi dari keadaan GHZ dan keadaan Bell. Dari 32 kombinasi pengukuran oleh Alice dan Charlie terdapat dua kelompok pengukuran dengan hasil sama.