Machine vision for the maturity classification of oil palm fresh fruit bunches based on color and texture features

The quality of oil palm fresh fruit bunch (FFB) specified from the maturity level is visually classified based on the skin colour of the fruit. The maturity level classification of FFB can be performed automatically using machine vision. Classification becomes challenging when machine vision is applied to half-ripe FFB images, which generally have uneven colour, and to FFB images where emergent noise partially covers the fruit. In this work, a method is proposed to classify the maturity level of FFB into three classes: raw, ripe, and half-ripe. The proposed method applied colour and texture features required in the processes of feature selection and classification. The process of feature extraction was applied based on the colour and texture followed by feature selection using principal component analysis (PCA) to select the most substantial features. Subsequently, an artificial neural network (ANN) with a back-propagation algorithm was applied in the classification process to obtain the prediction class. The experiment was conducted using a local dataset consisting of 240 images (80 raw, 80 ripe, and 80 half-ripe). The results showed that the performance of the proposed method successfully achieved an accuracy of 98.3%. This classification based on colour and texture features is not restricted only to palm oil but can also be applied to other fruits

Dampak Faktor Pemicu Terjadinya Displaced Commercial Risk Terhadap Keputusan Nasabah Untuk Tetap Menjadi Nasabah Bank Syariah Di Surabaya

The purpose of this research is to know if the three factor triggers of Displaced Commercial Risk (DCR) have affect partially to the decision of costumer to remain as the costumer of sharia bank. The method used is quantitative methods through questionnaire using likert scale by multiple linear regression analysis with reliability test and validity, classic assumption test, and hypothesis test.. The sample used is 100 sharia bank’s costumer who comply the criteria sample assigned. simultaneously rate of return, bank’s operational, and profit sharing expectation significantly affect to the decision of costumer, and partially the rate of returnand bank’s operational significantly affect to the decision of costume r, but partially the expectation of profit sharing not significantly affects to the decision of costumer.</jats:p

Faktor-faktor Yang Mempengaruhi Tingkat Bagi Hasil Deposito Mudharabah Pada Perbankan Syariah Periode 2015-2020

Penelitian ini bertujuan untuk mengetahui faktor-faktor yang mempengaruhi tingkat bagi hasil deposito mudharabah pada perbankan syariah periode 2015-2020. Variabel dependen dalam penelitian ini adalah tingkat bagi hasil deposito mudharabah, sedangkan variabel independen adalah Financing to Deposit Ratio, Beban Operasional terhadap Pendapatan Operasional, Capital Adequacy Ratio, Inflasi dan BI 7-Day Rate. Populasi penelitian ini adalah industri perbankan syariah periode 2015-2020. Sampel yang digunakan adalah sampel jenuh, yakni menggunakan seluruh industri bank umum syariah dan unit usaha syariah. Penelitian ini menggunakan pendekatan kuantitatif dengan metode analisis regresi data time series. Data penelitian ini diambil dari statistik bank syariah yang bersumber dari OJK, data BI 7-Day Rate dan Inflasi bersumber dari website BI. Hasil penelitian ini menunjukkan secara parsial Inflasi dan BI 7-Day Rate yang memiliki pengaruh signifikan positif serta variabel CAR memiliki pengaruh signifikan negatif terhadap tingkat bagi hasil deposito mudharabah. Sedangkan, FDR dan BOPO tidak berpengaruh terhadap tingkat bagi hasil deposito mudharabah. Secara simultan, variabel FDR, BOPO, CAR, Inflasi dan BI 7-Day Rate memiliki pengaruh signifikan terhadap ringkat bagi hasil deposito mudharabah pada perbankan syariah di Indonesia periode 2015-2020Kata Kunci: Financial to Deposit Ratio, Beban Operasional terhadap Pendapatan Operasional, Capital Adequacy Ratio, Inflasi, BI 7-Day Rate, Tingkat Bagi Hasil Deposito. ABSTRACTThe purpose of this research is to analyze the factors that effect the rate of return mudharabah deposits on Islamic banking in Indonesia in the 2015-2020 period. The dependent variable in this research is the rate of return mudharabah deposits, while the independent variable is Financing to Deposit Ratio, Operational Effeciency Ratio, Capital Adequacy Ratio, Inflation, and BI 7-Day Rate. The population of this research is Islamic banking industry in the 2015-2020 period. the research used saturation sampling, which used all sharia general banks and sharia business units. This research used quantitative approach by using time series data regression analysis. Sample that used in this research were taken from Islamic Bank Statistic issued by OJK, while BI Rate and Inflation taken from www.bi.go.id. The result show that Inflation and Bi 7-Day Rate has positive significant on the rate of return mudharabah deposits and variable CAR has negative significant on the rate of return mudharabah deposits. While FDR and BOPO has no effect on the rate of return mudharabah deposits. Simultaneously, variable FDR, OER, CAR, Inflation, and BI 7-Day Rate has a significant on the rate of return mudharabah deposits on Islamic banking in Indonesia 2015-2020 period.Keywords: Financing to Deposit Ratio, Operational Effeciency Ratio, Capital Adequacy Ratio , Inflation, BI 7-Day Rate, the rate of return mudharabah deposits. DAFTAR PUSTAKAAfifah, S., Sobari, A., &amp; Hakiem, H. (2013). Analisis produk deposito mudharabah dan penerapannya pada PT BPRS Amanah Ummah. Al-Muzara'ah, 1(2), 139-160. https://doi.org/10.29244/jam.1.2.139-160Andrianto., &amp; Firmansyah, M. A. (2019). Manajemen bank syariah (Implementasi teori dan praktek). Srabaya: CV. Penerbit Qiara Media.Antonio, M. (2001). Bank syariah dari teori praktik ke praktik. Gema Insani Press.Arfiani, L. R., &amp; Mulazid, A. S. (2017). Analisis faktor-faktor yang mempengaruhi tingkat bagi hasil simpanan mudharabah pada bank umum syariah Indonesia studi kasus pada bank umum syariah di Indonesia periode 2011-2015. IQTISHADIA: Jurnal Ekonomi &amp; Perbankan Syariah, 4(1), 11-32. https://doi.org/10.19105/iqtishadia.v4i1.1132Farianto, A. (2014). Analisis Pengaruh Return on Aset (ROA), BOPO dan BI Rate terhadap tingkat bagi hasil deposito mudharabah pada bank umum syariah di Indonesia tahun 2012-2013. Jurnal EQUILIBRIUM, 2(1), 104–125.Ghozali, I. (2013). Analisis multivariate dengan program IBSM SPSS21. Semarang: Universitas Diponegoro.______. (2012). Aplikasi analisis multivariate dengan program IBM SPSS 20. Semarang: Badan Penerbit Universitas Diponegoro.Gujarati, D. N., Porter, D. C., Mangunsong, R. C. (2012). Dasar-dasar ekonometrika. Jakarta: Salemba Empat.Halimatussa'idah., &amp; Septiarini, D. F. (2019). Analisis faktor – faktor yang mempengaruhi tingkat bagi hasil tabungan deposito mudharabah pada perbankan syariah di Indonesia periode 2012 -2016. Journal of Chemical Information and Modeling, 6, 1348–1364.Indonesia, P. R. (2008). UU Nomor 21 Tahun 2008 tentang perbankan syariah. Jakarta: Pemerintah RI.Karim, A. (2007). Ekonomi makro Islam. Jakarta: PT Raja Grafindo Persada.Kasmir. (2008). Analisis laporan keuangan. Jakarta: Raja Grafindo Persada.Lestari, N. (2015). Prinsip bagi hasil pada perbankan syari'ah. Jurnal Hukum Sehasen, 1(1), 46-66.Machmud, A. R. (2010). Bank syariah, teori, kebijakan, dan studi empiris di Indonesia. Jakarta: Erlangga.Nelwani, C. Y. E. (2013). Faktor-faktor yang mempengaruhi deposito mudharabah pada bank umum syariah tahun 2009-2011. Skripsi tidak dipublikasikan. Yogyakarta: UIN Sunan Kalijaga.Nisa, L. M. T. M. (2015). Analaisis pengaruh inflasi, kurs, suku bunga dan bagi hasil terhadap deposito pada PT. Bank Syariah Mandiri 2007-2012. Seminar Nasional Cendekiawan, 7, 735–745.OJK. (2017). Perbankan syariah dan kelembagaannya. Jakarta: Otoritas Jasa Keuangan (OJK).Sanusi, M. (2015). Faktor-faktor yang mempengaruhi tingkat bagi hasil deposito mudharabah pada bank syariah di Indonesia (2013 – 2015). Diakses dari http://hdl.handle.net/123456789/7028Siamat, D. (2005). Manajemen lembaga keuangan. Jakarta: Fakultas Ekonomi Universitas Indonesia.Sugiyono. (2014). Metode penelitian pendidikan pendekatan kuantitatif, kualitatif dan R&amp;D. Bandung: CV. Alfabeta.Sulfiani, N., &amp; Mais, R. G. (2019). Analisis pengaruh kinerja keuangan terhadap tingkat bagi hasil deposito mudharabah pada bank umum syariah di Indonesia tahun 2012–2018. Jurnal STEI Ekonomi, 28(1), 263. https://doi.org/10.36406/jemi.v28i01.263Suliyanto. (2009). Metode riset bisnis, edisi 2. Yogyakarta: Andi.Sunaryo, K., &amp; Isna K. A. (2012). Analisis pengaruh return on asset, BOPO, dan suku bunga terhadap tingkat bagi hasil deposito mudharabah pada bank umum syariah. Jurnal Ekonomi Dan Bisnis, 11(1), 29–42.Wiroso. (2011). Produk perbankan syariah. Jakarta: LPFE Usakti.Yanti, A. E., Setyowati, E., &amp; Harun, M. (2019). Analisis faktor-faktor yang mempengaruhi tingkat bagi hasil deposito mudharabah pada bank umum syariah di Indonesia. Diakses dari http://eprints.ums.ac.id/id/eprint/7635

Mekanisme Pendistribusian Surplus Underwriting Dana Tabarru' pada PT. Asuransi Takaful Keluarga Kantor Surabaya

This study discusses the mechanism for distributing tabarru's underwriting funds surplus. The purpose of this study was to find out and understand the concept of the mechanism for distributing tabarru's underwriting funds' surplus at the Surabaya Office Family Takaful Insurance. In this study using a qualitative approach with descriptive case study strategies and data collection techniques in the form of interviews and documentation. The results in this study are the distribution mechanism at the underwriting surplus in accordance with the products used by participants and will be processed after the submission of profit sharing by filling out a form submitting the results of the results made by insurance participants

Analisis Tren dan Perbandingan CAR, NPF, Pemenuhan PPAP, ROA, BOPO, Cash Ratio, dan FDR pada Bank Syariah Mandiri dan Bank Muamalat Periode Desember 2004 Sampai dengan Desember 2013

This research is to know the trend and the differences of financial performance between Bank Syariah Mandiri and Bank Muamalat in the periods of 2004-2013. This research used quantitative for the research method, purposive sampling for the sampling technique, Bank Syariah Mandiri and Bank Muamalat for the sample. This research conduct the trend analyzed,and conduct the comparative analyzed with independent sample t-test. This research used seven variables to evaluate the financial performance which was CAR, NPF, the fulfillment of PPAP, ROA, BOPO, cash ratio, and FDR.The trend analysis showed that Bank Syariah Mandiri has better progress on CAR, BOPO, cash ratio, and FDR, whereas Bank Muamalat has better progress on NPF, the fulfillment of PPAP and ROA. The comparative analysis showed that there are no differences on BOPO and cash ratio, whereas there are differences on CAR, NPF, the fulfillment of PPAP, ROA, and FDR

Penentuan Investasi Berdasarkan Tingkat Risiko Pada Saham Syariah, Reksadana Syariah, Dan Emas Periode 2011-2015

The purpose of this study was to determine the difference of rate of risk on islamic stock, islamic mutual fund, and gold period 2011-2015. It uses quantitative approach by using Kruskal Wallis test. The sample collecting method used purposive sampling. This study was used secondary data that was collected from official websites of Indonesia Stock Exchange, PT BNP Paribas, and Price Gold. Data used was historical data from JII index, NAV per unit BNP Paribas Pesona Syariah, and gold price. The result Kruskal-Wallis test show that there was significant difference of rate of risk on islamic stock, islamic mutual fund, and gold. But, when used Mann-Whitney next test show that there was no significant difference on Islamic stock. The result of this study proved that islamic stock was more best than gold and islamic mutual fun

Penerapan Mitigasi Risiko Pembiayaan Oto Ib Hasanah pada Bni Syariah Kcp Gresik

The objective to be achieved is to find out the application of Oto iB Hasanah financing risk mitigation to BNI Syariah KCP Gresik. The application analysis is done by collecting data by interviewing several BNI Syariah KCP Gresik employees, then drawing conclusions. This research uses a qualitative method with a descriptive approach. Data collection techniques used are interviews, observation, and documentation. The type of research used is a combination of literature review and field research, namely research that collects data in the field. The results of the study were analyzed to obtain conclusions. The object of this research is BNI Syariah KCP Gresik. The results show that the application of Oto iB Hasanah financing risk mitigation to BNI Syariah KCP Gresik has been analyzed using risk mitigation techniques with financing analysis (5C and 7A) and credit risk mitigation techniques, then juxtaposed with Standard Operating Procedures (SOPs) and developed theories

Analisis Tren dan Perbandingan Rasio Islamicity Performance pada Bank Syariah Mandiri, BANK Muamalat Indonesia, Bank BRI Syariah dan Bank BNI Syariah Periode 2011-2014

This study is aimed to investigate the trend of financial performances and the difference of Islamicity Performance Ratioamong Islamic banks in Indonesia during 2011-2014. The quantitative approach of purposive sampling is used as the research method. The data collected frombank's annual financial statements (2011-2014) used as sample: Bank Syariah Mandiri, Bank Muamalat Indonesia, Bank BNI Syariah and BRI Syariah. The data collected then analyzed using the trend analysis and ANOVA. Six variables: PSR, ZPR, EDR, DEWR, IIR and IsIR, are used as proxies for Islamicity Performance Ratio.Trend analysis shows that BRI Syariah has better PSR, ZPR, EDR, IsIR compared to other banks except for DEWR. IIR of Bank Muamalat is the best among others. Comparative analysis shows there are differences of Islamicity Performance Ratioamong Islamic banks in terms of PSR, EDR and DEWR, nevertheless there is no difference in terms of ZPR, IIR and IsIR