Volume 6, Issue 6. ISSN 2201-1323
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Payment System Analysis Using Features Quick Response Code (QR Code) In Increasing Income Shinta Dewi Herawatia, Annisa Rahmaanb, a,bWidyatama University, Indonesia Email: Shinta.dewi@widyatama.ac.id, Annisa.rahmaan@widyatama.ac.id Technology that is growing rapidly influences lifestyles that occur in society. One of them is the way people make payments easily and conveniently using the QR Code system. The object of this descriptive research is to describe and explain the payment system using the QR Code and profit features. Data collection method is literature studies, as secondary data sources. The results of the study show that this payment system is an opportunity for companies to expand their business so that consumers are more comfortable and have increased easy in making payment transactions. If the services provided to customers meet expectations, it will create comfort in using the services of the company, so that customers will come back and will likely recommend the company, which in turn will increase sales and profits. Pages 1 to 9 |
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Tax Planning Analysis: Centralization of Documentation System for Evidence of Income Tax Income (PPH) Article 23 for the Purpose of Corporation Income Tax Saving (Case Study at “X” Corp. in Bandung) Yoga Tantular Rachmana, Lilik Handayanib, a,bEconomic Faculty, Widyatama University, Indonesia Email: Yoga.tantular@widyatama.ac.id Article 23 of Income Tax is a tax that is not final and is deducted by another party. Based on the proof of deduction, the deduction of income tax article 23 becomes a tax credit at the Corporate Income Tax at the end of the tax year. However, in practice, especially in large-size service companies that have branches to remote areas such as in PT X as examined, this tax credit can be less than optimal. This study aims to find out how to optimize the crediting of PPh 23 in order to save corporate income tax. The research method in this study uses quantitative descriptive methods. The researcher conducted an analysis to obtain a real picture of optimizing the crediting of Article 23 Income Tax in saving the corporate income tax by PT "X". The results showed that the crediting of Article 23 Income Tax could be lost due to delay or loss of documents that must be received. Through the centralized evidence proofing system that we compiled and proposed, the amount of delay and loss of the withholding tax Article 23 document that occurred at the branch office was avoided so that the crediting of Article 23 Income Tax could be optimized. Pages 10 to 27 |
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Factors Affecting Employee Performance of Pt. Itochu Logistics Indonesia Suharno Pawirosumartoa, Rosida Alit Martinab, Ivan Gumilar Sambas Putrac, Email: a suharno@widyatama.ac.id, b rosidaa@gmail.com, c ivan.gumilar@widyatama.ac.id This research is aimed at testing, analysing and explaining the effects of job satisfaction, discipline and transformational leadership style toward employees’ performance of PT. Itochu Logistics Indonesia. This research was done under the descriptive and verificative research method. There were 102 respondents who participated in this study and provided valid data to be analysed. The data was then analysed using the paired linear regression analysis with the help of SPSS program of version 22. The result of this research shows that job satisfaction, discipline and transformational leadership style partially and simultaneously have a positive and significant effect toward the variable of employee performance. This finding is quite interesting as the human resources of PT. Itochu Logistics Indonesia are considered to have a relatively high level of discipline. This quality is quite supportive for the company to stay competitive in today’s competitive business environment. Logistics businesses or companies that run business or logistics in Indonesia need improve their employees’ work performance by focusing on their discipline. A leader should maintain good communication with the employees in order to be able to change their behaviour to improve their awareness and to obey any rules applied in a company and social norms. This study presents a detailed explanation on how to improve employees’ performance by enhancing their job satisfaction, improving their work discipline and implementing and utilizing the effectiveness of a transformational leadership style in a company that runs logistics in Indonesia. Pages 28 to 47 |
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Talent Management for Administrators and Supervisors in the Ministry of State Secretariat of the Republic of Indonesia *Suharno Pawirosumartoa, Wahyudib, a,bWidyatama University, Indonesia *Corresponding Author Email: suharno@widyatama.ac.id, This study aims to examine the talent management development program to provide human resources that have superior performance and high competency (talent). The implementation of this program in planning, developing, and maintaining talented employees (star performer) is intended to achieve the strategic objectives of the organization and to determine the career plan of the employees through a succession plan for filling the position of administrator and supervisor in the Ministry of State Secretariat. The research method used was a descriptive qualitative approach with the research instruments of interviews, observations, and document reviews used. The results showed that the application of talent management and succession plans has not been optimally achieved due to the lack of regulation as the basis for the implementation of talent management policies and civil servants career patterns in the Ministry of State Secretariat. Pages 48 to 67 |
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Intellectual Property Rights (IPR) Protection of Creative and Innovative Creative Industry Works through the Role of West Java Government in Improving the Growth of Creative Economics in Indonesia Nina Nurani, S.H.a, aFaculty Of Bussiness and Management of Widyatama University Jl. Cikutra No. 204 A. Bandung, Indonesia Email: nina.nurani@widyatama.ac.id The creative and innovative work of a region has high economic potential, yet it is vulnerable to violations. It needs to have adequate IPR protection through the optimal role of regional institutions. The aim of the study is to examine how IPR protection for regional creative and innovative work, through regional institutions using IPR protection, development models supporting Indonesia's creative economic growth. The research uses normative juridical methods referring to national and international principles and legal norms. The research uses descriptive analysis and qualitative juridical methods of interpretation of legal historical, sociological, and legal constructions. The results of the study show that the West Java Regional Government is a "booster" in supporting a creative economy, through the issuance of various IPR Regional Regulations harmonizing the National IPR regulations. The substance regulates the strength of functions and optimizes the tasks of Regional Device Organization/RDO (OPD), and IPR Centers to facilitate and integrate IP utilization. The synergy of the central government, and regional collaboration, with related institutions, facilitation of IPR registration, data collection, guidance and advocacy, as the implementation of effective IPR protection development models, supports the enhancement of the growth of Indonesia’s creative economy. Pages 68 to 79 |
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Building a Work Culture That Impacts on Employee's Performance Improvement Anton Budi Santosoa, Deden Sutisnab, Didi Tarmidic, a,b,cFaculty of Business & Management, Widyatama University Bandung, Indonesia Email: anton.budi@widyatama.ac.id The purpose of this study is to analyze and measure the influence work culture has on the performance of employees in the Regional Personnel Agency (BKD) of Bandung City. The population used in this study are all employees who work in Bandung City BKD, amounting to 99 people with a total sample of 50 respondents taken. In this study, the research method used is a survey research method and the processing technique and data analysis used is a simple regression analysis. The results of this research show that work culture is significantly influential on the performance of employees in the Regional Personnel Agency (BKD) in Bandung City. Thus, it is said that positive work culture can be one of the factors that influence employee performance improvement. Pages 80 to 87 |
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Effect of Return on Assets and Current Ratio on Company Value in the Coal Industry in Indonesia for 2014 to 2017 Helin G Yudawisastraa, Djoko S Roespinoedjib, a,bWidyatama University, Indonesia Email: Helin.garlinia@widyatama.ac.id The purpose of this study was to determine the effect of return on assets and the current ratio on the value of the company in the coal industry in Indonesia. Research data is taken from financial statements for the period of 2014-2017. The sampling technique uses purposive random sampling with a sample of 18 samples from 23 populations listed on the IDX. This study uses multiple linear regression analysis with panel data. The empirical results show that the return on assets has an influence on firm value, and the current ratio has no impact on firm value. The variables used have a contribution of 40.27% in the model, while the remaining 59.73% is influenced by variables not examined. Pages 88 to 99 |
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Designing an IoT-Based Smart Ambulance Platform in Cimahi City Helmy Faisal Muttaqina, Ari Purno Wahyu Wibowob, a,bEngineering Faculty Widytama University, Indonesia Email: h elmy.faisal@widyatama.ac.id The current ambulance service is managed via conventional methods that are inefficient in helping the people of Cimahi city. The ambulance service is governed by each village, so that if their ambulance is currently in use the queue cannot be transferred to another unused ambulance belonging to a nearby village. This is poor optimisation of a service which requires urgent deployment and maximum efficiency. This paper proposes an IoT-based smart ambulance platform which includes IoT devices, service-oriented architecture, and an Android-based interface to maximize ambulance service efficiency. It is expected that with this platform, the management of ambulance alerts can reach all people who need help without being limited by the limitations of their village. Pages 100 to 111 |
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English Proficiency Level, Internet Speed and Economic Improvement in Indonesia (2015-2018) Heri Heryonoa, Hero Gunawanb, a,bWidyatama University, Indonesia, Email: heri.heryono@widyatama.ac.id English proficiency is rarely discussed among the general public as it only impacts upon a small group of people who use English in their occupation. In Indonesia, graduates commonly lack English communicative competence. This research identifies several factors that should be contributing to, or triggering an, elevation of English proficiency but they are not. These factors are partially divided into the elements of internet speed and economic growth in Indonesia. The research was conducted by withdrawing a conclusion and making assumptions as to the conditional factors that related to the levelling of English proficiency among students and the general society in Indonesia from 2015 to 2018. The data was taken from several resources that provided statistical information and the results shown in this research are graphic, chart, and description analysis. The level of English proficiency in Indonesia from 2015 to 2018 has significantly fluctuated, yet the final result was the degradation. Based on the EPI index, it can be concluded that from 2015 to 2018, the level of English proficiency slightly decreased 1.16 points from 52.74 to 51.58 in 2018, or it was about 2.2% decline. This condition was inversely proportional to the internet speed improvement that increased by approximately 63% and economic development which reached 0.29% from 2015 to 2018. It can be inferred that internet speed and economic growth in Indonesia does not affect English proficiency. English is the global language and is commonly used in communication through integrated media and in global business transactions. Pages 112 to 124 |
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Factors Affecting Islamic Stock Price in the Indonesian Capital Market Hesty Juni Tambuati Subinga Yati Mulyatib, Gusnic, Citra Marianad, a,b,c,dFaculty of Economics, Widyatama University, Indonesia Email: hesty.juni@widyatama.ac.id The development of Islamic economics in Indonesia supported through the Jakarta Islamic Index (JII) is a means for establishing investor confidence and provides benefits for investors in carrying out Islamic sharia. JII is used as a benchmark for performance in choosing a stock portfolio. Investors can make a determination on shares through the most fundamental approach, namely, the primary approach. This study aims to examine the value relevance of accounting information in explaining Islamic Stock Price. This study uses Volume Capital, Market Book Ratio, Total Asset Turn Over and Institutional Ownership, as influences of Islamic Stock price. The sample of this study is all companies listed in JII that survived through the period 2013 to 2017. This research is an explanatory study, which explains the influence between the dependent variable and the independent variable through testing the hypothesis. The results show that Volume Capital had a significant negative effect on Islamic Stock Price, and Total Asset Turn Over. Institutional Ownership had a significant positive effect on Islamic Stock Price while Market Book Ratio had no significant effect on Islamic Stock Price listed in the Jakarta Islamic Index (JII) 2013-2017. Pages 125 to 134 |
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Lexical Presuppositions in Japanese Language Hety Nurohmaha, aWidyatama University Indonesia In understanding a conversation, we need to understand the meaning implied in the stated text. An understanding of the context of speech is also required. Presuppositions that are part of a conversation play an essential role in trying to understand the context of the discussion as a whole. Japanese, which is one of the higher context languages, in understanding each conversation, requires an understanding of the presupposition context. In this study, the types of speech and features of presupposition were discussed from a case study in one of the Japanese dramas entitled Ohitori Sama. From the results of the analysis carried out we can analyse the most lexical presuppositions in expressive speech and the most characteristics. Pages 135 to 148 |
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The Influence of Minimum Wages on the Unemployment Level in Islamic Economic Perspectives in West Java Province Ingrid Larasati Agustinaa, Diah Andarib, Citra Marianac, a,b,cFaculty of Economics, Widyatama University, Email: ingrid.larasati@widyatama.ac.id This research is motivated by the number of unemployed people in West Java Province. According to data obtained from the BPS of West Java Province, the unemployment rate in February 2019 decreased to 7.73%. The unemployment is caused by several indicators that influence it, one of which is the minimum wage. Minimum payments that always rise every year should be able to reduce the number of unemployed people in West Java Province; the higher the minimum wage, the more significant a company's contribution to recruiting workers who can match the wages given. It will reduce the number of unemployed. This study analyses the influence of minimum wages on the unemployment rate in West Java Province from the perspective of Islamic economics. The method used in this study is a quantitative method using regression analysis. The data used in this study was data obtained from secondary data from BPS West Java Province. The data has been analyzed using SPSS. Overall the results of the study show that the minimum wage does not significantly influence the unemployment rate in the province of West Java. This is because when wages rise, the output also issued increases so the company will not need to increase labour numbers. In the perspective of Islamic economics, every Muslim is required to work so that there is no unemployment, as well as every region must set a reasonable minimum wage. The conclusion is that payments must be sufficient; not too low for workers and not too high for entrepreneurs and good population growth. It can be a good indicator of the economy in an Islamic region. Pages 149 to 158 |
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Analysis of Student Perception in Responding To the Hoax News Ni Putu Nurwita Pratami Wijayaa, Mohd Haizam Mohd Saudib, a,bWidyatama University, Bandung, Indonesia, Email: putu.nurwita@widyatama.ac.id The development of information technology in the current era of globalization has had a massive influence in the world. The existence of the internet increasingly displaces the existence of print and electronic media. More and more inexpensive information technology-based devices are substantial for internet usage today. It is the internet that receives new media such as online media, social media, and so on. With the internet, there is a lot of diversity of information offered, freedom of opinion in the media. This is then used by people not responsible for hoax news or false news. The higher internet users will be able to increase the spread of hoax news in the media. To overcome the hoax news, the government has implemented a task force for hoaxes, and the community must participate in helping to fight hoaxes. This writing suggests providing information about the importance of hoaxes to the community. Pages 159 to 164 |
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Analysis of Value for Money That Influences Public Accountability R. Ait Novatiania, R. Wedi Rusmawan Kusumahb, a,bWidyatama University - Bandung, Indonesia Email: ait.novatiani@widyatama.ac.id This study aims to analyze value for money, analyze public accountability, and analyze the effect of Value for Money on public accountability. The population is all employees who are in the Bandung Regional Revenue Service (Dispenda). The Samples used convenience sampling. Using descriptive methods, primary data, and secondary data is used in data collection techniques. Based on the results of the study, Value for money and public accountability in the Regional Revenue Service (Dispenda) of Bandung City was good and Value for money had an effect on public accountability. Pages 165 to 170 |
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Study of Potential Groundwater Aquifers with Schlumberger Configuration Geo-electric Method in Palanggai Village East Sumba Regency Raden Herdian Bayu Ash Siddiqa, Asep Anwarb, a,bDepartment of Civil Engineering, Widyatama University, Indonesia, Email: raden.herdian@widyatama.ac.id Groundwater is one source of water needed for the life of creatures on earth. The presence of groundwater is not evenly distributed for every place and is strongly related to its geological and geohydrological conditions. The research location is in Palanggai Village, East Sumba Regency, East Nusa Tenggara Province. Monthly rainfall according to BMKG climatology data in 2005 - 2013 was highest in December, which was 176.78 mm and the lowest was in August at 0.44 mm. This research was conducted to find out about the subsurface layer. Existing groundwater or aquifer carriers are using the geo-electric approach of the Schlumberger method. From the results of the study it can be concluded that (1) geo-electric estimation has been able to provide an overview of the state of the rock layers both vertically and laterally, (2) hydrogeological conditions in the investigation area, including aquifer systems with small to moderate productivity and is widespread, (3) rocks which are expected to be able to act as a limestone and limestone sand aquifer, (4) From the results of a geo-electric estimation investigation, it can be seen that the aquifer layer is found in depths ranging from 10-110m. Pages 171 to 181 |
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Capital Structure, Profitability and Firm Value: An Empirical Analysis Radhi Abdul Halim Rachmata, Andhika Ligar Hardikab, Ivan Gumilarc, Mohd Haizam Mohd Saudid, a,b,c,dWidyatama University, Indonesia, Email: radhi.abdul@widyatama.ac.id This study is aimed to determine the effect of Corporate Structure on Firm Value with profitability as a moderating variable. The sample used in this research was companies listed in LQ 45 on the Indonesia Stock Exchange in 2012-2016, which were 38 companies using a purposive sampling method. The independent variable was the capital structure measured by Debt to Equity Ratio (DER), and Profitability was proxied by the Return On Asset (ROA). The dependent variable was the Firm Value as measured by the ratio of Price Book Value (PBV). The results show that Capital Structure and Profitability have a significant effect on Firm Value. Pages 182 to 192 |
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The Effects of Information Technology and Internal Control on Managerial Performance: A Case Study at Pt. Pikiran Rakyat of Bandung City Remon Gunantaa, Tria Seida Pratiwib, Obsatar Sinagac, a,bWidyatama University, Indonesia cPadjadjaran University, Indonesia Email: remon.gunanta@widyatama.ac.id This study aims to determine the effect of information technology and internal control on managerial performance either simultaneously or partially at PT. Pikiran Rakyat of Bandung City. Factors tested in this research are information technology and internal control as an independent variable and managerial performance as a dependent variable. The research method used is the explanatory method. The type of data used is primary data, with data collection methods through questionnaires. The population in this study was the managers at PT. Pikiran Rakyat of Bandung City, with the technique of determining the sample using purposive sampling technique. The number of questionnaires distributed in this study was 31. The method of analysis used in this study is multiple linear regression analysis at a significance level of 5%. The program used in analyzing data was the Statistical Package for the Social Sciences (SPSS) Version 25. Hypothesis testing is done by using F test analysis and t-test. The result of hypothesis testing shows that information technology affects managerial performance; internal control affects managerial performance; information technology and internal control affects managerial performance. Based on the results of this study, it is expected that managers at Pikiran Rakyat of Bandung City should pay more attention to information technology and internal control. Pages 193 to 211 |
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The Role of Higher Education: Competency of Graduates Based on Tracer Study (Case study: The 2016 Alumni of Widyatama University) Yelli Eka Sumadhinataa, Deden Sutisnab, Sri Wiludjeng SPc, Suskim Riantanid, Yana Hendayanae, a, b, c, d, e, Widyatama University, Indonesia Email: yelli.sumadhinata@widyatama.ac.id The global competition that is happening today demands a very rapid change in every human resource. Organizations are required to adapt and renew knowledge and skill if it is to survive and thrive. To confront this rapid change, the college plays a huge role in generating human resources that have useful competences that is needed by the working world. The study used a case study of the graduates of Widyatama University who graduated in 2016. From the research results, the competency of graduates (alumni) falls within the ‘good’ category. Pages 212 to 227 |
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Solving the Travelling Salesman Problem (TSP) Using Branch and Bound Method (Case Study at Company of XYZ) Muchammad Fauzia, Asep Anwarb, a,bIndustrial Engineering Department, Engineering Faculty, Widyatama University, Indonesia a Muchammad.fauzi@widyatama.ac.id , b Asep.Anwar@widyatama.ac.id This method is implemented in the Company of XYZ. Company of XYZ is a distributor company of mineral water in Bandung with a gallon package. The distributor must deliver gallons to four mini-markets every day with different locations and must travel back to the distributor point. The objective function of this study is to know the best route with the shortest distance delivery, using Branch and Bound Method in solving the Travelling Salesman Problem; from distributor to retailer and back to the distributor. Each retailer can be passed just once. The advantage of the Branch and Bound Method is the small error level, but this requires quite a long calculation. The results are two routes, route 1 O-A-C-B-D-O and route 2 O-D-B-C-A-O, where the total of the shortest distance is 38.5km. Pages 228 to 234 |
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The Affect of External and Internal Factors on Banking Profitability Neneng Susantia, Shinta Dewi Herawatib, a,bWidyatama University, Indonesia, Email: Neneng.susanti@widyatama.ac.id This study aims to determine whether there is a significant effect of CAR, BOPO, Inflation, and BI Rate on banking profitability, either partially or together. This study uses a descriptive and verification method; the population was taken from the Banking Sector registered in Kompas 100 for the period of 2012-2017. The sample was achieved by using purposive sampling in sampling. Data sources used secondary data, namely the eight financial statements of the Banking Sector firms registered in Kompas 100 for the period of 2012-2017. Data analysis used in this study is multiple linear analysis with a significance level of 5%. The program used in analyzing data uses E-Views 9. The results of the research partially show that CAR, Inflation, and the BI Rate do not significantly affect Return-On-Assets. BOPO has a partial effect on Return-On-Assets. Together, it shows that CAR, BOPO, Inflation, and BI Rate have a significant impact on Return-On-Asset of 37.5%. Pages 235 to 243 |
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Empowering Traditional Farmers in Escalating Farming towards Industry 4.0-Ready Aida Wijayaa*, H. Obsatar Sinagab, aWidyatama University, Bandung-West Java-Indonesia, bPadjadjaran University, Bandung-West Java-Indonesia, E-mail: rafael.aida@widyatama.ac.id Traditional farmers in Indonesia should be empowered to use technology to increase their capability in farming. Traditional farmers defined in this study are farmers without willingness or capabilities to perform any changes to increase their capability in farming into the era of IoT. The implication of this study could help promote Indonesia towards food self-sufficiency and could help the AEC (Asean Economic Community) program in grasping the cyber era benefits. This study is a literature research; a preliminary research needed to examine factors related to information in preparing traditional farmers to be Industry 4.0-ready using Artificial Intelligent (AI) technology. This study attempts to see the factors related to information technology derived from previous partial studies. The result of this study provides the government with necessary steps to take this research into more technical programs. Pages 244 to 255 |
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Do Product Features and Brand Image Influence Consumers’ Decision to Purchase the Suzuki Ignis in Bandung Indonesia? Irma Nilasaria, Mohd Haizam Mohd Saudib, a,bWidyatama University, Bandung, Indonesia, Email: irma.nilasari@widyatama.ac.id Since it was launched in Q2-2017, Suzuki Ignis has gained success to become a market leader in the city-car segment, defeating the Honda Brio in Indonesia by the end of 2018. Unfortunately, compared to the same quarter last year, Ignis sales for Q1-2019 is on the decline; down by almost 60%. The competition in the city-car segment is fierce because many players compete in a small market. Competing on price, promotion, and distribution channel are not suggested for this segment, because of the characteristics of the target markets and the existence of big brand names. In order to achieve market share, players should focuses on other variables, which is the product itself. The present study tries to test whether product feature and brand image (as part of the product) will influence customers to purchase the Suzuki Ignis. The present study developed, distributed, and collected questionnaires from 161 respondents who bought the Ignis in the city of Bandung. By using factor analysis and multiple regression analysis, the present study found that consumers purchase decision for the Ignis is significantly affect by product features (in negative sign) and brand image (in positive sign). Interestingly, all dimensions of brand image do not significantly affect the purchase decision, except for economic values. Pages 256 to 267 |
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Influence of Capital Adequacy Ratio, Net Interest Margin and liquidity Ratio against Profitability Ratio John Henry Wijayaa, Helin Garlinia Yudawisastrab, a,bWidyatama University, Indonesia Email: John.henry@widyatama.ac.id This study was conducted to determine the extent to which ROA can be measured by CAR, NIM and LDR. The selected sector is a bank listed on the Indonesia Stock Exchange during the period of 2013-2017, where sampling is carried out according to the purposive sampling method so that only 10 banks were sampled during the study period. From the processing of the data obtained, CAR, NIM and LDR together have an effect on ROA, while partially there are no influential variables. Pages 268 to 277 |
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Determinant Factors on the Effect of Competitive Advantage and Marketing Performance (A Case Study on Centre Shoes Cibaduyut Small and Medium Industry in Bandung City) Keni Kaniawatia, Eddy Jusufb, Mohd Haizam Mohd Saudic, a,cWidyatama University, Indonesia bPasundan University, Indonesia Email: keni.kaniawati@widyatama.ac.id The purpose of this study is to find out and examine the determinant factors both simultaneously and partially from market strategies, the marketing mix of competitive advantage and its implications for marketing performance in the Cibaduyut IKM shoes center in Bandung City. This research was conducted using descriptive and verification methods. The sampling technique used is proportional cluster stratified random sampling with a sample of 356. The analysis tool used is path analysis. The analysis results have a very significant effect, from determinant factors to competitive advantage. There is a significant effect on marketing performance in IKM Centre shoes Cibaduyut, Bandung City. Pages 278 to 290 |
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The Impact of Macroeconomics towards Islamic Banking Third Party Funds in Indonesia Lia Amaliawiatia, Yana Hendayanab, Tetty Lasniroha Sarumpaetc, a,b,cBusiness and Management Faculty Widyatama University, Indonesia Email: lia.amaliawiati@widyatama.ac.id This study discusses the impact of macroeconomic variables collected by economic growth, inflation, and interest against party funds collected by Islamic banks in Indonesia, both in the long and short term. The data used is quarterly time series data from 2006 Q1 to 2018 Q4, after stationarity testing, it turns out that the non-stationary data is then fermented and becomes stationary at I (0) and at I (1), then the cointegration test is performed; the dependent variable and independent variables are not cointegrated, so that the model is suitable using the Autoregressive Distributed Lag (ARDL) model. The Result obtained from macroeconomic variables have a long period or can be determined on third party funds in Islamic banks, where most of the variables are interest rates and inflation rates. For short-term analysis, the results of the analysis of inflation and interest rate positively impact on third party funds in Islamic banks in Indonesia, while economic growth is not related to third party funds in Islamic banks in Indonesia. Pages 291 to 303 |
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