• Title/Summary/Keyword: Significant effect

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Perceptions, Attitudes, and Interests of Halal Tourism: An Empirical Study in Indonesia

  • JULIANA, Juliana;PRAMEZWARY, Amelda;YULIANTORO, Nonot;PURBA, John Tampil;PRAMONO, Rudy;PURWANTO, Agus
    • The Journal of Asian Finance, Economics and Business
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    • v.8 no.7
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    • pp.265-273
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    • 2021
  • The aim of this study is to analyze the correlation between concept perceptions and people's attitudes in halal tourism, development perceptions and people's attitudes, attitude and people's interest, concept perceptions and people's interest, development perceptions and people's interest, concept perceptions and people's interest, and development perceptions and people's interest. The method used in this research is SEM (Structural Equation Modeling) method. The population in this study was all Banten people. The samples in this study were respondents in five districts/cities in Banten, namely Tangerang (127 respondents), Serang (63 respondents), Pandeglang (97 respondents), Lebak (69 respondents), and Tangerang City (62 respondents). The sampling technique used is cluster random sampling. The data collection method used by researchers is a survey through filling out an online questionnaire. Based on regression test results shows concept perceptions has a significant effect on people's attitudes Development perceptions has no significant effect on people's attitudes, the attitude has no significant effect on people's interest, concept perceptions have no significant effect on people's interest, development perceptions have no significant effect on people's interest. Concept perceptions have no significant effect on people's interests through people's attitudes. Development perceptions have no significant effect on people's interests through people's attitudes.

The Impact of Capital Adequacy and Operating Efficiency on Saudi Banks Performance

  • Khaled Subhi, RAJHA
    • The Journal of Asian Finance, Economics and Business
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    • v.10 no.2
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    • pp.333-341
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    • 2023
  • This study investigates the impact of capital adequacy and operating efficiency on the performance of Saudi banks. In the first part, the study includes a brief introduction focused on the impact of capital adequacy and operating efficiency on the performance of banks. In the second part, a literature review examined various studies on the impact of capital adequacy and operating efficiency on banks' performance. The study methodology was presented in the third part, based on a sample that included all local Saudi banks from 2010 to 2021, using a study model to answer the study hypotheses. The results of the panel data regression indicated that CAR had a negative and significant effect on ROA and ROE but a negative and non-significant effect on NIM. CIR has a negative and significant effect on ROA, ROE, and NIM, while SIZE, LTD, and MS have a positive and significant effect on ROA, ROE, and NIM. Elimination of defects has no significant effect on return on assets, return on equity, and the NIF. But CR has no significant effect on ROA and ROE but has a positive and significant effect on NIM.

The Effect of Non-Performing Loan on Profitability: Empirical Evidence from Nepalese Commercial Banks

  • SINGH, Sanju Kumar;BASUKI, Basuki;SETIAWAN, Rahmat
    • The Journal of Asian Finance, Economics and Business
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    • v.8 no.4
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    • pp.709-716
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    • 2021
  • The main objective of this research is to find out the effect of Non-Performing Loan (NPL) of Nepalese conventional banks. The population of this study is major commercial banks in Nepal and the data obtained for this study was from the period 2015-2019. This research used secondary data and it is collected from each bank's annual report and GDP and Inflation taken from the World Bank database. The method used for data analysis in this study is multiple regression analysis. The study used NPL as a dependent variable and Return on Asset (ROA), Capital Adequacy Ratio (CAR), Bank Size, GDP growth, and Inflation as independent/explanatory variables. The result of this research shows that ROA, Bank Size, GDP, and Inflation have a significant effect on NPL but CAR does not have a significant effect on the NPL of banks. In other words, the GDP effect on NPL in this study shows a positive and significant effect while most studies show a negative effect. It demonstrates that when GDP growth increases, there is a significant increase in the growth of Nepalese banks even though there were no significant changes in income growth. Therefore, GDP growth has a positive and significant effect on the NPL of commercial banks. Thus, the bankers and policymakers need to consider GDP growth carefully while taking NPL-related decisions.

The Effect of Corporate Communication and Service Quality on Customer Loyalty and Satisfaction in Sharia Banking

  • LUBIS, Adelina;DALIMUNTHE, Ritha;ABSAH, Yeni;FAWZEEA, Beby Karina
    • The Journal of Asian Finance, Economics and Business
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    • v.8 no.3
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    • pp.1267-1274
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    • 2021
  • This study aims to analyze the effect of corporate communication and service quality on loyalty mediating satisfaction. The population of this study is 384 Islamic bank customers in North Sumatra. This research is quantitative research using the survey method. The number of research samples was 384 customers. Characteristics of this research sample were (1) Savings customers who actively carried out transactions in Islamic banks (2) Savings customers who had used bank services for at least 1 year (3) Savings customers who used services directly and individually. The data analysis technique used in this study was the Partial Least Squares-Structural Equation Model (SEM-PLS) analysis technique, using Warp-PLS 3.0 software. This study investigates the largest Islamic banks in North Sumatra, namely Bank Syariah Mandiri, Bank BNI Syariah, and Bank BRI Syariah. The results show that company communication has a positive and significant effect on satisfaction, service quality has a positive and significant effect on satisfaction, company communication has a positive and significant effect on loyalty, service quality has a positive and significant effect on loyalty, satisfaction has a positive and significant effect on loyalty. There is also a significant effect of satisfaction on the relationship between company communication and loyalty, and the relationship between service quality and loyalty. This study contributes to Islamic banking to increase customer loyalty.

Factors Affecting the Stock Price: The Role of Firm Performance

  • SUKESTI, Fatmasari;GHOZALI, Imam;FUAD, Fuad;KHARIS ALMASYHARI, Abdul;NURCAHYONO, Nurcahyono
    • The Journal of Asian Finance, Economics and Business
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    • v.8 no.2
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    • pp.165-173
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    • 2021
  • This study examined the effect of Debt Equity Ratio (DER), Net Profit Margin (NPM), and Size on stock prices with company performance as measured by Return on Assets (ROA) as a mediating variable. The sample used is 136 manufacturing companies listed on the Indonesia Stock Exchange (IDX) in the 2014-2018 period. This research was tested using a Warp PLS statistical test tool to prove the proposed hypothesis. The results showed that DER has a significant negative effect on ROA and a significant positive effect on Stock Price. NPM has a significant positive effect on ROA as well as a significant positive effect on Stock Price. While Size has a significant positive effect on ROA but has no effect on Stock Price. ROA has a significant positive effect on Stock Price. ROA does not act as a mediating variable in the relationship between Size and Stock Price; however, ROA acts as a mediating variable in the DER and Stock Price relationship, as well as, in the relationship between NPM and Stock Price. The implications of the results of this study can be used by investors in making investment decisions, paying attention to the company's financial aspects, namely DER, NPM, Size, and ROA.

Experimental Studies on the Efficiency of Insamyunpye-Hwan (인삼윤폐환(人蔘潤肺丸)의 효능(效能)에 관(關)한 실험적(實驗的) 연구(硏究))

  • Rhee, Hyung-Koo
    • Korean Journal of Oriental Medicine
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    • v.2 no.1
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    • pp.314-326
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    • 1996
  • Experimental studies were done to research the clinical effect of Insamyunpye-H wan on viscousity of mucin solution, pulmonary thromboembolism, oxygen consumption in $O_3$-exposed and Lung TBA in rats and mice. The result was obtained as follows : 1. In the effect of viscosity sampled from mucin, Insamyunpye-Hwan was revealed to have a significant effect of decrease in the rate of viscousity (p<0.01). 2. In the effect of sodium aracdonic acid induced pulmonary thromboembolism, I samyunpye-Hwan was revealed to have an effect of increasing the number of survival, but were not significant 3. In the effect of ADP induced pulmonary thrornboembolism, Insamyunpye-Hw an was revealed to have an effect of increasing the number of survival, but were not significant 4. In the effect of oxygen cansumption values in rats exposed-$O_3$, Insarnyunpye-Hwan was revealed to have a significant effect (p<0.05). 5. In the effect of the lung TBA values in rats exposed-$O_3$, Isamyunpye-Hwan was revealed to have a significant effect (p<0.05). In connection with the results of the studies, Insamyunpye-Hwan is concluded to be effective on the treatment of cough and lung and respiratory organ damages.

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An Analysis of Causal effect on Leisure Life Satisfaction -Focused on leisure activity participation, leisure time and leisure expenditure- (여가생활만족도에 관한 인과관계분석 -여가생활 참여도, 여가시간, 여가비용을 중심으로-)

  • 이정연
    • Journal of the Korean Home Economics Association
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    • v.35 no.3
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    • pp.287-305
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    • 1997
  • The purpose of this study was to analyze a causal effect on the housewife's leisure activity participation, leisure expenditure and leisure life satisfaction. Data was collected 249 housewives in Pusan. Data were analysed using descriptive statistics, one-way Anova, multiple regression, Pearson's correlation and path analysis. The main findings of the research were as follows: First, there were significant differences in leisure activity participation according to socio-demographic and economic variables. Physical type showed significant differences when housewife was 30's and unemployed, size of family was 3 and 4, age of the lastborn child was under 6, occupation of husband was professionals and technicians, educational attainment of housewife was under highschool graduate, pattern of housing was collective, income was higher. There were significant differences that occupation of husband was professionals and technicians, educational attainment of housewife was over junior college graduate, pattern of housing was collective, income was higher in self-developing type. restful type showed significant differences when housewife was 40's, age of the lastborn child was under 13-18, educational attainment of housewife was under highschool graduate. There were significant differences that housewife was unemployed in home-oriented type. There were significant differences that housewife was 30's and unemployed, size of family was 4, age of the lastborn child was under 6, occupation of husband was market and sales worker, educational attainment of housewife was over junior college graduate, pattern of housing was collective in time-spending type. Second, there were significant differences in leisure time, leisure expenditure and leisure life satisfaction according to socio-demographic and economic variables. Leisure time showed significant differences when housewife was unemployed, age of the lastborn child was under 13-18, occupation of husband was service, educational attainment of housewife was under highschool graduate, income was higher. Leisure expenditure showed significant differences when housewife was 30's, size of family was under 3, age of the lastborn child was under 6, occupation of husband was senior officials and manager, educational attainment of housewife was over junior college graduate, pattern of housing was collective, income was over 5,000,000 won. There were significant differences that housewife was unemployed in leisure life satisfaction. Third, casual effect was path analysed according to path model. Employment and unemployment of housewife, income and occupation of husband (product & transport equipment operator) had an effect on phycial type. Age of housewife, employment and unemployment of housewife and occupation of husband (product & transport equipment operator) had an effect on children-concerned type. Age of housewife had an effect on social-concerned type. Education of husband, income, age of lastborn child and occupation of husband (professor and teacher) had an effect on self-developing type. Age of lastborn child, employment and unemployment of housewife and occupation of husband(product & transport equipment operator) had an effect on children-concerned type. Age of lastborn child and children number had an effect on religious-social type. Employment and unemployment of housewife had an effect on home-oriented type. Age of housewife, education of husband had an effect on time-spending type. Restful type, employment and unemployment of housewife, and occupation of husband(service) have an effect on leisure time. Income, leisure time, self-developing type, children concerned type and occupation of husband(senior officials and manager) had an effect on leisure expenditure. Leisure expenditure, self-developing type, employment and nemploymentof housewife, income had an effect on leisure life satisfaction.

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The Effect of Mobile Tourism App Characteristics on Perceived Value, Satisfaction and Behavioral Intention (모바일 관광 앱 서비스특성이 지각된 가치, 만족 및 행동의도에 미치는 영향)

  • CHO, Sung-Ho
    • The Journal of Industrial Distribution & Business
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    • v.10 no.9
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    • pp.45-52
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    • 2019
  • Purpose - This study examined the relationship between the priorities of information, usability, mobility, reliability and empathy, which are the lower dimensions of mobile tourism app service characteristics, on the perceived value and satisfaction of tourists. Research design, data, methodology - Data collection was conducted from June 10, 2019 to June 20, 2019, and a total of 500 questionnaires were distributed to collect 352 copies. Factor analysis, reliability verification, and covariance structure analysis were carried out using SPSS 23.0 and AMOS 23.0 for 321 parts for statistical analysis. Results - First, information, mobility, reliability, and empathy have a significant effect on perceived value. However, usefulness did not appear to have a significant effect on perceived value. This analysis results can increase the reliability of the tourism app, it can be seen that the accurate tourist information services are used in the tourist app or in the place required. Second, information, usability, mobility, and empathy had a significant effect on satisfaction. However, reliability did not have a significant effect on satisfaction. Third, perceived value had a significant effect on satisfaction. Fourth, it had a significant effect on information, empathy, and intention to use. However, the usefulness, mobility, and reliability did not have a significant effect on the behavioral intention. Lastly, perceived value and satisfaction had a significant effect on behavioral intention. Conclusions - The analysis result is that the tourism app that is being used is provided with a reliable and accurate tourism information service, it can be seen that you are using the tourism app in the place or on the go. Therefore, it is relatively difficult to use the tourism app, and it is easy to understand the contents of the service and timely information. Therefore, it is possible to communicate with other users and provide customized services according to needs and desires. The study has the following limitations. This may influence the progress of the research because the respondents' responses to the mobile tourism app service are from different experiences. In addition the accuracy of providing accurate information, the usefulness of using the mobile tourism app, and the ease of communicating with other users can be understood as being relatively satisfactory.

The Effect of Mobile Foodservice Platform Service Characteristics on Ease of Use, Usefulness and Reuse Intention (모바일 외식 플랫폼서비스특성이 사용용이성과 유용성 및 재사용의도에 미치는 영향)

  • Jeon, Jang Chul
    • The Journal of the Convergence on Culture Technology
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    • v.5 no.2
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    • pp.31-37
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    • 2019
  • This study examined the sub - dimensions of mobile food platform service characteristics and verified how they affect the usability, usability and re - use intention. The data collection is from February 11, 2019 to February 28, 2019. The researcher visited the food service company and presented the questionnaire by direct interview. The results of the analysis are summarized as follows. First, the ubiquitous connectivity and interactivity of the mobile eater platform service have a significant effect on ease of use, but the situational awareness has no significant effect. Second, ubiquitous connectivity, situational awareness, and interactivity have a significant effect on usability, and ease of use has a significant effect on usability. Third, ubiquitous connectivity has a significant effect on re - use intention, and situational awareness and interactivity have a significant effect on re - use intention. Fourth, ease of use has no significant effect on re-use intention, but usefulness has a significant effect on re-use intention.

Perceived Service Quality through Cognitive Communion of Social Live Streaming Service (SLSS) of Fashion Product and Moderating Effect of Purchasing Experience (패션 제품 소셜 라이브 스트리밍 서비스(SLSS)의 인지적 공유를 통한 서비스품질 지각과 구매경험의 조절효과)

  • Song, Yea Jin;Lee, Yuri
    • Journal of the Korean Society of Clothing and Textiles
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    • v.44 no.4
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    • pp.639-656
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    • 2020
  • Consumers' shopping experience has recently expanded to mobile and social networks; in addition, online fashion retailers started to focus on real-time interaction services as an emerging marketing tool. This study explores the consumer' shopping experience based on social live streaming services (SLSS) to investigate consumer's response behavior and effects through perceived service quality. An online survey method was conducted and a total of 186 female consumer panels were collected. The results indicate that cognitive communion of co-experience had a significant effect on perceived SLSS service quality (responsiveness, contents informativeness, playfulness, system availability). Service quality of SLSS (responsiveness, contents informativeness, and playfulness) had significant effect on trust in SLSS seller while system availability had no significant effect. Also, trust in seller showed significant effect on purchase intention. Last, it was confirmed that the moderating effect of purchasing experience of SLSS was significant in the relationship between cognitive communion and responsiveness/playfulness. There was also an additional significant moderating effect of purchasing experience between system availability and trust in seller.