Opportunities and Challenges of Conversion of Sharia Regional Development Banks in Economic Development Efforts and Income Distribution

Rizal(Rizal ),Nil FIRDAUS(Nil FIRDAUS ),Ruslan Abdul GHOFUR(Ruslan Abdul GHOFUR ),Heni NOVIARITA(Heni NOVIARITA ),Pertiwi UTAMI(Pertiwi UTAMI ) 한국유통과학회 2023 유통과학연구 Vol.21 No.2

Purpose: This study examines the opportunities and challenges of sharia-based regional development bank spin-offs in supporting economic growth and income distribution through a board of commissioner’s approach. Research design, data, and methodology: The research design is qualitative research with the main data collection technique through in-depth interviews. Results: The results of the study show that Bank Nagari can support the performance of the West Sumatra government, especially in regional finance. The positive influence is shown in the benefit aspect of 31% and the opportunity of 28% which is the priority value. The challenges that must be faced are technology services, improving the quality of human resources, socialization, and application of local wisdom which is by the philosophical values of the people of West Sumatra Adat Basandi Syara’ Syara’ Basandi Kitabullah. Conclusions: It can be concluded that the local government of West Sumatra has an essential contribution to the conversion of Bank Nagari to RDB Syariah as a whole. The expected implication is that the local government and shareholders cooperate well in supporting the transformation to realize West Sumatra Mandani through the populist economy of the people of West Sumatra.

Potential of Flax Fiber Reinforced Biopolymer Composites for Cross-Arm Application in Transmission Tower: A Review

Muhammad Rizal Muhammad Asyraf,Mohamad Ridzwan Ishak,Mohd Nor Faiz Norrrahim,Abdul Latif Amir,Norizan Mohd Nurazzi,Rushdan Ahmad Ilyas,Mochamad Asrofi,Mazlan Rafidah,Muhammad Rizal Razman 한국섬유공학회 2022 Fibers and polymers Vol.23 No.4

Man-made composites are vastly implemented in various engineering applications, particularly in cross-arm component of latticed transmission tower. However, their practice in this sector has increased pollutant emissions and landfill areas. Thus, scientists and engineers have been driven to look for other ‘greener’ alternative materials that have low-cost and renewable sources. Flax fibers and poly(lactic) acid (PLA) biopolymer have been extensively used to develop vast green composite structural products because of their great mechanical behaviours. A comprehensive understanding of properties of composite materials is essential to evaluate their applicability, especially in structural applications. This manuscript discusses the physic-mechanical properties and processing and manufacturability of flax fiber, PLA biopolymer and their composites. This review also comprehensively discovers the potential of fabric flax fiber-reinforced PLA composites for cross-arm application. The chemical composition, extraction, treatment and fabrications of these fiber and biopolymer are elaborated deeply given that these aspects are essential for the development of green composite cross-arm.

Advertising to Kids and Tweens: The Different Effect of Warning Label Attached on the Product Packaging

Rizal Edy HALIM 한국유통과학회 2019 The Journal of Asian Finance, Economics and Busine Vol.6 No.3

The issue of health risks from consuming unhealthy product is an important issue that is happening right now. Both developed and developing countries are already aware of the need for attention to the health-risk products. One tool that is believed to be able to change the consumption behavior of the health-risk products is the use of warning label on product packaging. As a persuasive act, both visual and textual warning label are believed to be able to change people's consumption behavior. In addition to the labels that contain health hazards, this research also uses social consequence contents. The main targets of such unhealthy product marketing are children and adolescents. Correspondingly, this study targets the age groups of kids and tweens. The method used in this research is experiment, involving 180 participants from two age groups namely kids and tweens. As a result, the study found that the influence of warning label on the age of tweens is greater in the age of the children. Meanwhile, the use of visual and textual warning label using social consequences contents, proved to be effective at the age of tweens. These results are useful for enrich social marketing subjects, especially within warning label research.

Warning Labels on Cigarette Packages:A Special Stimulus for Moslem Smokers to Quit Smoking

Rizal Edy Halim,Sumiyarto,Faisal Muttaqin 한국유통과학회 2015 Asian Journal of Business Environment (AJBE) Vol.5 No.1

Purpose - This study aims to explore the influence of combining "non-halal" labels with visual and textual warning labels on cigarette packages to induce the intention to quit smoking and boost the stop-smoking campaign. Research design, data, and methodology - This study examines" non-halal" labeling on cigarette packages using an experimental method. A total of 120 smokers, aged 18-23, were chosen from among Universitas Indonesia students. Data obtained were analyzed using ANOVA and T-Test. Results - The use of a "non-halal" label as a warning on cigarette packages is more effective to influence Muslim smokers to quit smoking. The results also suggest that "non-halal" labels more effectively increase intentions to quit smoking when use din combination with textual-visual labels. Conclusions - The study found that the addition of "non-halal" labels in textual or textual-visual warning labels on cigarette packages would significantly increase the intention of Moslems smokers to quit smoking. These results support previous research findings, that if cigarettes are labeled as "non-halal" (haram) products for Moslem teenagers, it will induce them to quit smoking.

The Influence of Public Welfare and Audit Findings on Audit Opinion: Empirical Evidence from Provincial Data in Indonesia

Rizal YAYA,Siti Syifa IRFANA,Hosam Alden RIYADH,Hafiez SOFYANI 한국유통과학회 2021 The Journal of Asian Finance, Economics and Busine Vol.8 No.4

The aim of the study is to empirically investigate and analyze the influence of public welfare, audit findings, and follow-up of audit recommendations on audit opinion with the disclosure level of financial reports as an intervening variable using agency theory and signaling theory. To achieve this purpose, a quantitative research method was employed. Population of this study is Provincial Government Financial Reports in Indonesia for fiscal years 2016 to 2018. There were 84 financial reports that met the criteria of purposive sampling. The data were gathered from the websites of the Audit Board of the Republic of Indonesia and the Indonesian Central Bureau of Statistics. In this study, the hypothesis-testing tool is path analysis using the Statistical Package for Social Sciences version 15. Based on the multiple regression analysis, the results show that audit findings, public income, and the disclosure level of financial reports significantly influenced audit opinion. Besides, the follow-up of audit recommendations and public health significantly influenced audit opinion through the disclosure level of financial reports. This study suggests that, in order to have better audit opinion, local governments need to improve public welfare, follow-up audit finding, and disclose more details in financial report.

The Effect of Consumer Affinity and Country Image Toward Willingness to Buy

Rizal Edy Halim,Elszuary Abrar Uzi Zulkarnain 한국유통과학회 2017 유통과학연구 Vol.15 No.4

Purpose - This research aims to determine whether the consumer affinity and ethnocentrism as well as the image of a foreign country (Japanese product as the most popular product in Indonesia) are able to influence behavior related to the perceived risk and willingness to buy foreign products from the affinity country. Research design, data, and methodology – Using survey techniques with 164 respondents, the study uses structural equation model with confirmatory factor analysis (CFA). To ensure the research objective and appropriate respondent, then we select an individual who have interest on Japanese culture & language. The primary and secondary data used in this study. Primary data refers to information collected directly from respondent by questionnaires dissemination while secondary data is provided from well-established literatures. Results – The results show us that the ethnocentrism has dominant affection role compared to affinity in order to influence consumer behavior meanwhile, the product country image has cognition role to evoke consumer desire to consume foreign products. Conclusions - From a theoretical perspective, the study contributes to international marketing literature by refining the conceptualization of the consumer affinity construct and highlighting its multidimensional nature. The consumer affinity research need to enrich in term of the context and the different culture and situation.

The Effect of Perception and Attitude Toward Consumer Complaint Behavior

Rizal Edy Halim,Filipus Christian 한국유통과학회 2013 유통과학연구 Vol.11 No.9

Purpose - The objective of the paper is to describe the relationship between consumer perceptions and attitudes of complaints against the behavior of their complaint. Research design, data, methodology - The study explore the process of complain intention which mediated by perceptual process and attitudinal behavior. Structural equation modeling used in this study is aim to describe the relationship simultaneously. The two samples failure (high vs. low level services) will be compared using analysis of variance. Results - The study found that the higher the alienation, the lower the perceived value of consumer complaint and the higher likelihood of successful perceived consumer complaint. The study also found the more positive the prior complaint experience, the more positive attitude toward complaining, the higher the perceived value of complaint and the higher the likelihood of successful perceived complaint. Furthermore, the perceived value of customer's complaint affect positive intention and perceived consumer likelihood of successful complaint increases intention complaint. Conclusions - The findings of this study show that the effect of a number of personal antecedents such as alienation; prior complaint experience and controllability will vary toward the complaint intention. Furthermore, the attitudinal and perceptual factors play a partial mediation role for that relationship.

An Eidetic Phenomenological Inquiry on the Stigma and Discrimination of HIV/AIDS in the Philippines

Rizal G. Grande,Cyruz P Tuppal 한국간호과학회 2011 한국간호과학회 학술대회 Vol.2011 No.10

The Effect of Warning Labels on Cigarette Packages: Textual vs. Textual-Visual and Self-Efficacy

Rizal Edy Halim,Faisal Muttaqin 한국유통과학회 2017 KODISA ICBE (International Conference on Business Vol.2017 No.-

The small number of fusion research that addresses fear-appeal and self-efficacy in the effectiveness of warning labels cause the label is not clear, then the purpose of the study is the first to examine the effect of the combination of the message. With the experimental method, a total of 240 participants were smokers consist of Indonesian university students in the age range 18-23 years. Data obtained then processed with ANOVA statistical methods and Test T. The results are consistent with previous studies that the visual warning labels more effective than the textual warning labels alone. Results also suggest that a warning label should be both visual and textual messages combined with self-efficacy. Limitations, this study does not differentiate among smokers and non-smokers, in addition to the images are used only one type of disease, so that the research needs to be done to distinguish these factors.

Lung Sound Classification Using Hjorth Descriptor Measurement on Wavelet Sub-bands

Rizal, Achmad,Hidayat, Risanuri,Nugroho, Hanung Adi Korea Information Processing Society 2019 Journal of information processing systems Vol.15 No.5

Signal complexity is one point of view to analyze the biological signal. It arises as a result of the physiological signal produced by biological systems. Signal complexity can be used as a method in extracting the feature for a biological signal to differentiate a pathological signal from a normal signal. In this research, Hjorth descriptors, one of the signal complexity measurement techniques, were measured on signal sub-band as the features for lung sounds classification. Lung sound signal was decomposed using two wavelet analyses: discrete wavelet transform (DWT) and wavelet packet decomposition (WPD). Meanwhile, multi-layer perceptron and N-fold cross-validation were used in the classification stage. Using DWT, the highest accuracy was obtained at 97.98%, while using WPD, the highest one was found at 98.99%. This result was found better than the multi-scale Hjorth descriptor as in previous studies.