scholarly journals DETERMINAN TABUNGAN MUDHARABAH DI INDONESIA

2013 ◽  
Vol 2 (2) ◽  
Author(s):  
Roikhan Moch Aziz ◽  
Siti Suharyanti
Keyword(s):  
Time Series ◽  
Least Squares ◽  
Significant Influence ◽  
Ordinary Least Squares ◽  
Profit Sharing ◽  
Islamic Banking ◽  
Multiple Regressions ◽  
Independent Variables ◽  
Equivalent Rate ◽  
Macro Variables

The objective of this research to determine how the influence of macro variables were Profit Sharing Ratio (equivalent rate), Inflation, GDP, and SWBI against Mudharabah Savings at Islamic Banking in Indonesia. The data used in this research were data time series by using multiple regressions and analysis by Ordinary Least Squares. The results showed that simultaneously independent variables (Profit Sharing ratio, Inflation, GDP, and SWBI have significant influence the dependent variable (MudharabaH Savings) with probability 0.000000. End that partially independent variables (Inflation with probability 0.0013, GDP with probability 0.0000, and SWBI with probability 0.0000 have positively influence and significantly to dependent variable (Mudharabah Savings) in the Islamic Banking of Indonesia. While between the variable independent (Profit Sharing ratio) to dependent variable (Mudharabah Savings) have not significantly with probability 0.2040, in the Islamic Banking of IndonesiaDOI: 10.15408/sjie.v2i2.2425

scholarly journals THE EFFECT OF ROA, FDR, AND NPF ON THE PROFIT-SHARING RATE FOR MUDHARABAH DEPOSIT IN BPRS, INDONESIA

2021 ◽  
Vol 9 (1) ◽  
Author(s):  
Hurin ‘In Pujiastutik
Keyword(s):  
Time Series ◽  
Time Series Data ◽  
Profit Sharing ◽  
Financial Ratios ◽  
Series Data ◽  
Islamic Banking ◽  
Return On Assets ◽  
Financial Reports ◽  
Independent Variables

Until now, Islamic banking has grown very rapidly. This can be seen from the number of Islamic products that continue to grow and develop. One of them is mudharabah deposit. The profit-sharing rate that is characteristic of mudharabah deposits is the public's appeal to deposit their funds in banks, especially mudharabah deposit products. This study aims to determine the effect of financial ratios on the profit sharing rate of BPRS mudharabah deposits in Indonesia. The population used is the monthly financial reports of all BPRS in Indonesia from January 2012 to April 2018 in the form of time series data. The variables used in this study are Return on Assets (ROA), Financing to Deposit Ratio (FDR), and Non Performing Financing (NPF) as independent variables, and the profit sharing rate of mudharabah deposits from Bank Pembiayaan Rakyat Syariah (BPRS) as the dependent variable. Simultaneously, the variables ROA, FDR, and NPF together have a significant effect on the profit sharing of BPRS mudharabah deposits in Indonesia. Meanwhile, partially ROA has no significant effect on the profit sharing of BPRS mudharabah deposit in Indonesia. The FDR has a positive and significant effect on the profit sharing of the mudharabah deposits of Islamic rural banks in Indonesia. As well as NPF has a negative and significant effect on the profit sharing of mudharabah deposits in BPRS in Indonesia.

scholarly journals THE EFFECT OF ROA, FDR, AND NPF ON THE PROFIT-SHARING RATE FOR MUDHARABAH DEPOSIT IN BPRS, INDONESIA

2021 ◽  
Vol 9 (1) ◽  
pp. 37
Author(s):  
Hurin 'In Pujiastutik ◽  
Agus Sumanto
Keyword(s):  
Time Series ◽  
Time Series Data ◽  
Profit Sharing ◽  
Financial Ratios ◽  
Series Data ◽  
Islamic Banking ◽  
Return On Assets ◽  
Financial Reports ◽  
Independent Variables

Until now, Islamic banking has grown very rapidly. This can be seen from the number of Islamic products that continue to grow and develop. One of them is mudharabah deposit. The profit-sharing rate that is characteristic of mudharabah deposits is the public's appeal to deposit their funds in banks, especially mudharabah deposit products. This study aims to determine the effect of financial ratios on the profit sharing rate of BPRS mudharabah deposits in Indonesia. The population used is the monthly financial reports of all BPRS in Indonesia from January 2012 to April 2018 in the form of time series data. The variables used in this study are Return on Assets (ROA), Financing to Deposit Ratio (FDR), and Non Performing Financing (NPF) as independent variables, and the profit sharing rate of mudharabah deposits from Bank Pembiayaan Rakyat Syariah (BPRS) as the dependent variable. Simultaneously, the variables ROA, FDR, and NPF together have a significant effect on the profit sharing of BPRS mudharabah deposits in Indonesia. Meanwhile, partially ROA has no significant effect on the profit sharing of BPRS mudharabah deposit in Indonesia. The FDR has a positive and significant effect on the profit sharing of the mudharabah deposits of Islamic rural banks in Indonesia. As well as NPF has a negative and significant effect on the profit sharing of mudharabah deposits in BPRS in Indonesia.

Nuisance vs. Substance: Specifying and Estimating Time-Series-Cross-Section Models

1996 ◽  
Vol 6 ◽  
pp. 1-36 ◽  
Author(s):  
Nathaniel Beck ◽  
Jonathan N. Katz
Keyword(s):  
Time Series ◽  
Least Squares ◽  
Cross Section ◽  
Generalized Least Squares ◽  
Ordinary Least Squares ◽  
Correlated Errors ◽  
Section Data ◽  
Variable Approach ◽  
Parameter Heterogeneity ◽  
Lagged Dependent Variable

In a previous article we showed that ordinary least squares with panel corrected standard errors is superior to the Parks generalized least squares approach to the estimation of time-series-cross-section models. In this article we compare our proposed method with another leading technique, Kmenta's “cross-sectionally heteroskedastic and timewise autocorrelated” model. This estimator uses generalized least squares to correct for both panel heteroskedasticity and temporally correlated errors. We argue that it is best to model dynamics via a lagged dependent variable rather than via serially correlated errors. The lagged dependent variable approach makes it easier for researchers to examine dynamics and allows for natural generalizations in a manner that the serially correlated errors approach does not. We also show that the generalized least squares correction for panel heteroskedasticity is, in general, no improvement over ordinary least squares and is, in the presence of parameter heterogeneity, inferior to it. In the conclusion we present a unified method for analyzing time-series-cross-section data.

An Investigation of the Time Series Behaviour of International Tourist Arrivals

1997 ◽  
Vol 3 (2) ◽  
pp. 185-199 ◽  
Author(s):  
Kevin KF. Wong
Keyword(s):  
Time Series ◽  
Least Squares ◽  
Preliminary Investigation ◽  
Model Misspecification ◽  
Theoretical Implication ◽  
Ordinary Least Squares ◽  
Initial State ◽  
International Tourist ◽  
Stationary Type ◽  
Parameter Estimators

Most tourism econometric models are based on conventional least squares estimation, which assumes stationarity in their data generating mechanism. However, they fail to recognize the implications of the integrated properties of the historical time series of tourism data. Such time series properties may have important consequences with regard to the theoretical implication and interpretation of these tourism models. In this paper, historical data on international tourist arrivals from six major regions and seventeen individual countries are analysed to determine whether the series is better characterized by a stationary or non-stationary type process. Based on unit root tests, the results in most cases indicate that international tourist arrivals exhibit a non-stationary stochastic process that has the tendency to fluctuate away from a given initial state as time passes. These findings imply that studies which conveniently draw standard inferences from ordinary least squares estimated tourism models based on the levels of international tourist arrivals can be very misleading since non-stationarity in the data will produce inconsistent parameter estimators and unreliable test statistics. Furthermore, model misspecification that arises from unrelated integrated series can seriously bias conventional significance tests towards the acceptance of an apparently significant relationship. In this preliminary investigation, we conclude that econometric tourism models that focus on the levels of international tourist arrivals may not be reliable since the series is non-stationary and is integrated of order one, I(1).

scholarly journals Comparing Spectral Characteristics of Landsat-8 and Sentinel-2 Same-Day Data for Arctic-Boreal Regions

2019 ◽  
Vol 11 (14) ◽  
pp. 1730 ◽  
Author(s):  
Alexandra Runge ◽  
Guido Grosse
Keyword(s):  
Time Series ◽  
Least Squares ◽  
Spectral Band ◽  
Ordinary Least Squares ◽  
Landsat 8 ◽  
Eastern Siberia ◽  
Landscape Changes ◽  
Least Squares Regression ◽  
Spectral Bandpass ◽  
Sentinel 2

The Arctic-Boreal regions experience strong changes of air temperature and precipitation regimes, which affect the thermal state of the permafrost. This results in widespread permafrost-thaw disturbances, some unfolding slowly and over long periods, others occurring rapidly and abruptly. Despite optical remote sensing offering a variety of techniques to assess and monitor landscape changes, a persistent cloud cover decreases the amount of usable images considerably. However, combining data from multiple platforms promises to increase the number of images drastically. We therefore assess the comparability of Landsat-8 and Sentinel-2 imagery and the possibility to use both Landsat and Sentinel-2 images together in time series analyses, achieving a temporally-dense data coverage in Arctic-Boreal regions. We determined overlapping same-day acquisitions of Landsat-8 and Sentinel-2 images for three representative study sites in Eastern Siberia. We then compared the Landsat-8 and Sentinel-2 pixel-pairs, downscaled to 60 m, of corresponding bands and derived the ordinary least squares regression for every band combination. The acquired coefficients were used for spectral bandpass adjustment between the two sensors. The spectral band comparisons showed an overall good fit between Landsat-8 and Sentinel-2 images already. The ordinary least squares regression analyses underline the generally good spectral fit with intercept values between 0.0031 and 0.056 and slope values between 0.531 and 0.877. A spectral comparison after spectral bandpass adjustment of Sentinel-2 values to Landsat-8 shows a nearly perfect alignment between the same-day images. The spectral band adjustment succeeds in adjusting Sentinel-2 spectral values to Landsat-8 very well in Eastern Siberian Arctic-Boreal landscapes. After spectral adjustment, Landsat and Sentinel-2 data can be used to create temporally-dense time series and be applied to assess permafrost landscape changes in Eastern Siberia. Remaining differences between the sensors can be attributed to several factors including heterogeneous terrain, poor cloud and cloud shadow masking, and mixed pixels.

scholarly journals PENGARUH NON PERFORMING FINANCING DAN PERSENTASE BAGI HASIL TERHADAP PEMBIAYAAN MUSYARAKAH PADA PT BANK SYARIAH MANDIRI

2019 ◽  
Vol 1 (1) ◽  
pp. 77-88
Author(s):  
Nora Ulfa ◽  
Ismaulina Ismaulina ◽  
Fathul Liza
Keyword(s):  
Significant Influence ◽  
Statistical Tests ◽  
Research Question ◽  
Profit Sharing ◽  
Positive Influence ◽  
Statistical Test ◽  
Financial Statement ◽  
Islamic Banking ◽  
Test Results ◽  
Production Sharing

Non Performing Financing (NPF) and Percentage of Profit Sharing (PBH) indirectly influence the distribution of Musyarakah financing to Islamic banking. NPF occurs because the customer is unable to pay installments from the musyarakah financing that he has received, the inability of the customer to pay monthly installments is due to the percentage of profit sharing that is too high. The phenomenon that has been happening to PT Bank Syariah Mandiri, namely the distribution of funding did not increase significantly due to an increase in NPF. Based on these thoughts, in this study a research question was taken to find out what factors would influence the distribution of funding to PT Bank Syariah Mandiri. Based on this phenomenon, the distribution of Musyarakah Financing to PT Bank Syariah Mandiri can be seen from the percentage of revenue sharing that has increased significantly, while the NPF and Financing have an interrelated relationship. It can be seen from the Financing data from 2012 to 2014 that the increase in financing was very small due to the increasing value of the NPF. The research method used is a quantitative method in which financial statement data taken through the official website www.syariah.mandiri.co.id will be processed through SPSS data. The results of the study are: The development of NPF of Syariah Mandiri Bank during 2012-2014 has fluctuated, where the percentage of NPF sometimes goes up and sometimes goes down, the results of statistical tests show Non Performing Financing (NPF) has a positive and significant influence on the distribution of Musyarakah Financing to Bank Syariah Mandiri. Because the significance value is smaller than 0.05. This indicates an increase and decrease in the amount of Musyarakah financing disbursed is strongly influenced by the NPF. The development of Bank Syariah Mandiri's Production Sharing Percentage (PBH) during 2012-2014 sometimes increased and sometimes decreased, the statistical test results showed that the Production Sharing Percentage (PBH) had a positive influence and had a significant influence on the distribution of Musyarakah Financing to Bank Syariah Mandiri. Because the significance value is smaller than 0.05. Keyword : Non Performing Financing,  Share of Percentage, Musyarakah Financing.   Abstrak Non Performing Financing (NPF) dan Persentase Bagi Hasil (PBH) secara tidak langsung mempengaruhi distribusi pembiayaan Musyarakah ke perbankan syariah. NPF terjadi karena pelanggan tidak mampu membayar cicilan dari pembiayaan musyarakah yang telah ia terima, ketidakmampuan pelanggan untuk membayar cicilan bulanan disebabkan oleh persentase pembagian keuntungan yang terlalu tinggi. Fenomena yang telah terjadi pada PT Bank Syariah Mandiri, yaitu penyaluran dana tidak meningkat secara signifikan karena adanya peningkatan NPF. Berdasarkan pemikiran ini, dalam penelitian ini pertanyaan penelitian diambil untuk mengetahui faktor-faktor apa yang akan mempengaruhi distribusi dana ke PT Bank Syariah Mandiri. Berdasarkan fenomena ini, distribusi Pembiayaan Musyarakah ke PT Bank Syariah Mandiri dapat dilihat dari persentase bagi hasil yang meningkat secara signifikan, sedangkan NPF dan Pembiayaan memiliki hubungan yang saling terkait. Dapat dilihat dari data Pembiayaan 2012-2014 bahwa peningkatan pembiayaan sangat kecil karena meningkatnya nilai NPF. Metode penelitian yang digunakan adalah metode kuantitatif dimana data laporan keuangan yang diambil melalui situs resmi www.syariah.mandiri.co.id akan diproses melalui data SPSS. Hasil dari penelitian ini adalah: Perkembangan NPF Bank Syariah Mandiri selama 2012-2014 mengalami fluktuasi, dimana persentase NPF terkadang naik dan terkadang turun, hasil uji statistik menunjukkan Non Performing Financing (NPF) memiliki hasil positif. dan pengaruh yang signifikan terhadap distribusi Pembiayaan Musyarakah ke Bank Syariah Mandiri. Karena nilai signifikansi lebih kecil dari 0,05. Ini menunjukkan peningkatan dan penurunan jumlah pembiayaan Musyarakah yang disalurkan sangat dipengaruhi oleh NPF. Perkembangan Persentase Bagi Hasil (PBH) Bank Syariah Mandiri selama 2012-2014 terkadang meningkat dan terkadang menurun, hasil uji statistik menunjukkan bahwa Persentase Bagi Hasil (PBH) berpengaruh positif dan berpengaruh signifikan terhadap penyaluran Pembiayaan Musyarakah. ke Bank Syariah Mandiri. Karena nilai signifikansi lebih kecil dari 0,05. Kata kunci: Non Performing Financing, Persentase Bagi Hasil, Pembiayaan Musharakah.

scholarly journals ANALISIS PERKEMBANGAN JUMLAH PEMBIAYAAN MUDHARABAH DAN MURABAHAH SERTA RASIO PROFITABILITAS PADA BANK SYARIAH MANDIRI CABANG MAKASSAR

2013 ◽  
Vol 9 (1) ◽  
Author(s):  
Andi Jam'an ◽  
Asriati Asriati
Keyword(s):  
Data Processing ◽  
Multiple Regression ◽  
Test Data ◽  
Significant Influence ◽  
Quantitative Data ◽  
Hypothesis Test ◽  
Significance Test ◽  
Profit Sharing ◽  
Independent Variables ◽  
Test Result

The purpose of this study is to analyze the effect of profit sharing financing and partial sale financing on profitability level -Return On Asset (ROA) - PT Bank Syariah Mandiri Makassar Branch with the purpose To examine the effect of financing the results and partial sale financing to the level of profitability -Return On Asset (ROA) - PT Bank Syariah Mandiri Makassar BranchData collection using documentation while the type of data used is quantitative data sourced from company reports. The data obtained were analyzed using multiple regression statistical analysis.Based on the results of partial significance test data processing (Test-t) obtained that the variables of profit sharing (X1) and buying and selling (X2) have a significant influence on the dependent variable (ROA). Meanwhile, based on hypothesis test result simultaneously (F test) where H0 is rejected which means that independent variables (financing of profit sharing and selling pattern) have a significant influence together to dependent variable (ROA).

scholarly journals The Effect Of Islamic Financial Literation And Financial Technology On Islamic Financial Inclusion

2020 ◽  
Vol 5 (2) ◽  
pp. 231
Author(s):  
Basrowi Basrowi ◽  
Tulus Suryanto ◽  
Erike Anggraeni ◽  
Muhammad Nasor
Keyword(s):  
Significant Influence ◽  
Financial Literacy ◽  
Sampling Technique ◽  
Financial Inclusion ◽  
Survey Method ◽  
Islamic Finance ◽  
Islamic Banking ◽  
Study Program ◽  
Independent Variables ◽  
Financial Technology

Purpose: The purpose of this study was to determine the magnitude of the influence of Islamic financial literacy and Islamic financial technology on the inclusion of Islamic finance in students in Lampung Province both partially and simultaneously.Design Methods:The method used is a survey method. The population of this study is all smester V students and above in Islamic Economics Study Program, Islamic Banking. and sharia accounting in all State and Private Universities in Lampung Province, totaling 3080 people. The sampling technique used is proportional grain sampling, as much as 10% of the population of 308 people. Data collected using surveys, with google form. The collected data were analyzed using simple and multiple regression analysis.Findings:Based on the results of the analysis it can be concluded, first, there is a positive and significant influence between the literacy of Islamic finance on Islamic financial inclusion. Second, there is a positive and significant influence between Islamic financial technology on Islamic financial inclusion. Third, there is a positive and significant influence between Islamic financial literacy and Islamic financial technology together on Islamic financial inclusion.Originality Value: Of the two independent variables, sharia financial literacy variables contributed more than sharia financial technology variables to sharia financial inclusion.

scholarly journals Pengaruh Financing to Deposit Ratio (FDR) dan Non-Performing Financing (NPF) terhadap Bagi Hasil Deposito Mudharabah pada Bank Syariah Mandiri

2018 ◽  
Vol 8 (1) ◽  
pp. 98
Author(s):  
Achmad Agus Yasin Fadli
Keyword(s):  
Significant Influence ◽  
Linear Regression Analysis ◽  
Banking System ◽  
Multiple Linear Regression Analysis ◽  
Profit Sharing ◽  
Positive Influence ◽  
Coefficient Of Determination ◽  
Islamic Banking ◽  
Negative Effect ◽  
Banking Institutions

<em>Along with the development of sharia banking institutions in Indonesia, the more types of services provided by these Islamic banking institutions. This study focuses on internal factors, such as Financing to Deposit Ratio (FDR) and Non-Performing Financing (NPF), because of the presumption that these factors have the most significant influence on profit-sharing that exist in the Islamic banking system. This study aims to determine the effects of Financing to Deposit Ratio (FDR) and Non-Performing Financing (NPF) variables on Mudharabah Deposits of PT Bank Syariah Mandiri, both partially and simultaneously for the 2011-2017 period. The sample used in this study is PT Bank Syariah Mandiri in Indonesia by using multiple linear regression analysis which is processed using SPSS (Statistical Product Services and Solutions) software version 24. The results of this study state that FDR has a negative effect on profit sharing of Mudharabah Deposits, while NPF has a positive influence on the profit sharing of Mudharabah Deposits. These results also indicate that simultaneously the Financing to Deposit Ratio (FDR) and Non-Performing Financing (NPF) variables have a significant influence on the profit sharing of PT Bank Syariah Mandiri Mudharabah Deposits for the period 2011-2017. This is supported by the results of the coefficient of determination. The coefficient is 0.673 or 67.3% of profit sharing of the Mudharabah Deposits are influenced by the FDR and NPF variables, and the remaining 32.7% is influenced by other variables not used in this research model.</em>

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