The Determinants of Musharaka Financing in Indonesia

The purpose of this study is to determine the determinants of Musharaka Financing in Islamic commercial banks in Indonesia, which was carried out using secondary data or quantitative data from the period of January 2015 to August 2019. The model used to analyze the results of this regression was the Multiple Linear The dependent variable used in the object of this study was musharaka financing, while the independent variables used in this study consisted of inflation, exchange rates (exchange rates), Return on Assets (RoA), and third-party funds. From the results of the multiple linear regression analysis that has been processed, it can be explained that simultaneously the inflation, exchange rates (exchange rates), RoA, and TPF have a significant effect on Musharaka Financing. However, partially the exchange rate (exchange rate), RoA and TPF have a positive and significant effect on Musharaka financing, while inflation has a positive and insignificant effect on musharaka financing at Islamic Commercial Banks in Indonesia

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PENGARUH INFLALSI, NILAI TUKAR, BI RATE DANFINANCING TO DEPOSIT RATIO (FDR) TERHADAP TABUNGAN MUDHARABAH PADA BANK UMUM SYARIAH DAN UNIT USAHA SYARIAH DI INDONESIA TAHUN 2014-2018

MALIA (TERAKREDITASI) ◽

10.35891/ml.v11i1.1727 ◽

2019 ◽

Vol 11 (1) ◽

pp. 51-64

Author(s):

Diyah Ayu Wulansari ◽

A.Saiful Aziz

Keyword(s):

Regression Analysis ◽

Exchange Rate ◽

Linear Regression ◽

Exchange Rates ◽

Financial Services ◽

Commercial Banks ◽

Linear Regression Analysis ◽

Secondary Data ◽

Multiple Linear Regression Analysis ◽

Business Units

This study aims to analyze the influence of Inflation, Exchange Rates, BI Rate and Financing to Deposit Ratio (FDR) on the amount of Mudharabah Savings in Islamic Commercial Banks and Sharia Business Units in Indonesia from January 2014 - December 2018. This study uses secondary data in the form of month data January 2014 to December 2018 sourced from data from Bank Indonesia and the Financial Services Authority using multiple linear regression analysis. This study uses SPSS version 16.0 and Microsoft Exel 2007. The results of the study show that the Exchange Rate, BI Rate, and Financing to Deposit Ratio partially have a significant effect on the amount of mudharabah savings. While partial inflation has no significant effect on Mudharabah Savings. Simultaneously Inflation, Exchange Rate, BI Rate, and Financing to Deposit Ratio significantly influence Mudharabah Savings.

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The Variables that Affect Murābaḥa Financing in Islamic Commercial Banks

International Journal of Nusantara Islam ◽

10.15575/ijni.v4i2.1446 ◽

2017 ◽

Vol 4 (2) ◽

pp. 1-16

Author(s):

Uus Ahmad Husaeni

Keyword(s):

Commercial Banks ◽

Linear Regression Analysis ◽

Sample Selection ◽

Secondary Data ◽

Multiple Linear Regression Analysis ◽

Commercial Banking ◽

Capital Adequacy ◽

Third Party ◽

Return On Assets ◽

Capital Adequacy Ratio

Murābaḥa financing is a type of financing that dominates the financing contract on Islamic banking in Indonesia. This shows that financing on the basis of sale (murābaḥa) has a greater contribution than the financing of the basis for the profit and loss sharing (muḍāraba and muṣāraka). The purpose of this study is to determine the factors that affect the financing of murābaḥa in the Islamic Commercial Banking in Indonesia by using variables Third Party Fund (DPK), Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non-Performing Financing (NPF) and Return on Assets (ROA). The population in this study is the performance of Islamic Commercial Banks in Indonesia in the period of January 2014 to June 2016. The data used in this research is secondary data and sample selection by using purposive sampling method. The analytical tool used in this research is multiple linear regression analysis at significantly the rate of 5%. The results of this study indicate that the variable DPK, CAR, FDR, NPF, and ROA simultaneously have an influence on Murābaḥa. Coefficient determination test results show that the five independent variables affect the dependent variable amounted to 87.6% and the remaining 12.4% is influenced by other variables. Partially DPK, CAR, FDR, and ROA have a positive and significant effect on the financing Murābaḥa. While the NPF has no influence on Murābaḥa financing.

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Analysis of Some Factors Affecting Interest Rate Deposits And Savings At Umu Bank In East Java

Jurnal Dinamika Ekonomi Pembangunan ◽

10.33005/jdep.v1i1.69 ◽

2018 ◽

Vol 1 (1) ◽

pp. 46-55

Author(s):

Moch Aditya Hendro P ◽

Ririt Iriani Sri Setiawati

Keyword(s):

Regression Analysis ◽

Interest Rate ◽

Commercial Banks ◽

Linear Regression Analysis ◽

Secondary Data ◽

Multiple Linear Regression Analysis ◽

Return On Assets ◽

Deposit Rate ◽

Factors Affecting ◽

Independent Variables

The purpose of this study is to find out how many factors affect the rate of deposits and savings at commercial banks in East Java. This study uses secondary data for 15 years since 2001-2015 by using multiple linear regression analysis to determine the effect simultaneously and partially from Inflation variable, Gross Regional Domestic Product, Total Money Supply, Return On Assets to variable Interest Rate Deposit Rate And Savings as dependent variable. The results showed that simultaneously all the independent variables (X) affect the level of Deposits and savings. Partially variable of GRDP, JUB, ROA have an effect on significantly to deposit and saving interest rate while Inflation variable has no significant effect.

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PENGARUH PEMBIAYAAN MUDHARABAH, PEMBIAYAAN MURABAHAH DAN TABUNGAN MUDHARABAH TERHADAP RETURN ON ASSETS (ROA) PADA BPR SYARIAH

Jurnal Ekonomi Rabbani ◽

10.53566/jer.v1i2.46 ◽

2021 ◽

Vol 1 (2) ◽

pp. 158-168

Author(s):

Fitri maulidatul Rohmaniah ◽

Eris Munandar

Keyword(s):

Regression Analysis ◽

Research Method ◽

Quantitative Method ◽

Linear Regression Analysis ◽

Secondary Data ◽

Multiple Linear Regression Analysis ◽

Third Party ◽

Coefficient Of Determination ◽

Return On Assets ◽

Financing Risk

The purpose of this study was to determine and analyze the effect of Mudharabah Financing, Murabahah Financing and Mudharabah Savings on Return On Assets (ROA) of Indonesian Sharia People's Financing Banks for the 2015-2020 period. The research method used is descriptive quantitative method. The data used is secondary data. In this study, the analysis used is multiple linear regression analysis, coefficient of determination and hypothesis testing. Based on the results of the analysis of this study, it can be seen that partially Mudharabah Financing has a negative and significant effect on Return On Assets, Murabaha financing has a positive and significant effect on Return On Assets and Mudharabah Savings has a positive and significant effect on Return On Assets at Indonesian Islamic People's Financing Bank for the 2015 period. -2020 and simultaneously Mudharabah Financing, Murabahah Financing and Mudharabah Savings have a significant effect on the Return On Assets (ROA) of Indonesian Sharia Rural Banks for the 2015-2020 period. It is expected that the Indonesian Islamic People's Financing Bank will further improve its performance by minimizing financing risk and increasing the amount of third party funds so that its profitability growth is maximized.

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PENGARUH INFLASI DAN KURS TERHADAP UJRAH DALAM PEMBIAYAAN MUSYARAKAH MUTANAQISAH PADA PT. BANK MUAMALAT INDONESIA, TBK CABANG PEMATANGSIANTAR

Studia Economica : Jurnal Ekonomi Islam ◽

10.30821/se.v1i1.234 ◽

2015 ◽

Vol 1 (1) ◽

pp. 86

Author(s):

Nuri Aslami

Keyword(s):

Regression Analysis ◽

Exchange Rate ◽

Linear Regression Analysis ◽

Field Research ◽

Secondary Data ◽

Financial Statements ◽

Multiple Linear Regression Analysis ◽

Independent Variables ◽

Qualitative Approaches ◽

Independent Variable

This study aims to determine how the effects of inflation and exchange rate against ujrah, musyarakah, mutanaqisah PT Bank Muamalat Indonesia, Tbk Branch Pematang Siantar. This research is a field research using quantitative and qualitative approaches. The data used are secondary data, ie., data obtained from the Central Statistics Agency report, Report of Bank Indonesia, and the financial statements of PT Bank Muamalat Indonesia, Tbk Branch Pematang Siantar. The data were processed using SPSS 16. The analysis used is multiple linear regression analysis. The results showed that the inflation and the exchange rate (the independent variable) affects ujrah in Musharakah financing mutanaqisah (dependent variable). The independent variables in this study could explain the change by 3.4% and the rest (96.6%) is explained by other variables beyond the variables used. Partially, the level of significant 5% and t table of 2034, inflation and exchange rate does not significantly affect the Musharakah financing ujrah mutanaqisah. This is demonstrated by the t value inflation of 0. 489 and texchange rate of 0899.

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Pengaruh CAR, FDR, Dan BOPO Terhadap ROA Pada Bank Syariah Di Indonesia

Jurnal Ilmiah Akuntansi Kesatuan ◽

10.37641/jiakes.v9i2.870 ◽

2021 ◽

Vol 9 (2) ◽

Author(s):

Intan Rika Yuliana ◽

Sinta Listari

Keyword(s):

Commercial Banks ◽

Quantitative Research ◽

Linear Regression Analysis ◽

Secondary Data ◽

Predictive Ability ◽

Multiple Linear Regression Analysis ◽

Capital Adequacy ◽

Return On Assets ◽

Operating Income ◽

Capital Adequacy Ratio

Banking companies, including Islamic banking, need to avoid problems that can cause financial failure, which can make the bank unable to carry out its business operations and may end up in bankruptcy, so that the level of soundness of the bank based on risk must always be monitored. Therefore, banks must maintain their financial ratios in accordance with Bank Indonesia decisions and maintain their performance. So analyzing the effect of the Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), and the Ratio of Operating Costs to Operating Income (BOPO) on Return On Assets (ROA) in Islamic Banks is considered very important. This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), and Operational Costs on Operating Income (BOPO) on Return On Assets (ROA) at Islamic Commercial Banks in Indonesia. This research includes quantitative research and the type of data used is secondary data. The data used in this study is the ratio of CAR, FDR, BOPO, and ROA for the period 2014–2019 which was obtained from the annual Financial Statements on the official website of each bank. The population in this study were 14 Islamic Commercial Banks in Indonesia. After passing the purposive sampling stage, there were 6 samples of Sharia Commercial Banks that were suitable for use, namely BCA Syariah, BNI Syariah, Bank Mega Syariah, Bank Muamalat Indonesia, Bank Panin Dubai Syariah and BRI Syariah. The analytical method used in this research is Multiple Linear Regression Analysis. The results of the partial study with the t-test showed that the CAR and FDR variables had a positive and significant effect on the ROA of Islamic commercial banks. While the BOPO variable has a negative and significant effect on the ROA of Islamic commercial banks. And the results of the f test show that the CAR, FDR, and BOPO variables together have a significant influence on the ROA of Islamic commercial banks. The predictive ability of these three variables on ROA is 82.7%, the remaining 17.3% is explained by other variables outside of this research. Keywords: Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Operating Expenses per Operating Income (BOPO), Return On Assets (ROA)

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Analisis Pengaruh Faktor-Faktor Terhadap Underpricing pada Penawaran Umum Saham Perdana Di Bursa Efek Indonesia

Syntax Idea ◽

10.36418/syntax-idea.v3i9.1491 ◽

2021 ◽

Vol 3 (9) ◽

pp. 2127

Author(s):

Moch Irfandi ◽

Sri Muljaningsih ◽

Kiki Asmara

Keyword(s):

Stock Exchange ◽

Linear Regression Analysis ◽

Secondary Data ◽

Multiple Linear Regression Analysis ◽

Test Results ◽

Firm Age ◽

Return On Assets ◽

Independent Variables ◽

Earnings Per Share ◽

Equity Ratio

Underpricing is an IPO phenomenon in the capital markets and have been proven by researchers in many countries. This study aims to determine the effect of debt to equity ratio, earnings per share, company age, return on assets on underpricing listed on the Indonesia Stock Exchange in the 2015-2019 period. This study uses multiple linear regression analysis where debt to equity ratio, earnings per share, company age, return on assets as independent variables, and underpricing as dependent variable. This study uses a quantitative approach and the data used in this study are secondary data taken from periodic underpricing data listed on the Indonesia Stock Exchange from 2015 to 2019. The test results show that the variable debt to equity ratio, earnings per share has a positive and significant effect. on underpricing, the firm age variable has no effect on underpricing and the variable return on assets has a negative and significant effect on underpricing.

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Pengaruh FDR, NPF, ROA, CAR Terhadap Pembiayaan Mudharabah (Studi Empiris Pada Bank Umum Syariah Yang Terdaftar Di Bank Indonesia Pada Tahun 2015-2019)

JAMER : Jurnal Akuntansi Merdeka ◽

10.33319/jamer.v1i2.26 ◽

2020 ◽

Vol 1 (2) ◽

pp. 86-93

Author(s):

Arini Wildaniyati

Keyword(s):

Commercial Banks ◽

Quantitative Methods ◽

Sampling Method ◽

Linear Regression Analysis ◽

Multiple Linear Regression Analysis ◽

Capital Adequacy ◽

Analysis Method ◽

Return On Assets ◽

Independent Variables ◽

Capital Adequacy Ratio

Abstract: This study aims to determine the effect of Financing to Deposits Ratio (FDR), Non Performing Financing (NPF), Retrun On Asset (ROA), and Capital Adequacy Ratio (CAR) on Mudharabah Financing in 2015-2019 both influence partially or simultaneously . The population in this study is Sharia Commercial Banks (BUS) in Indonesia and registered with Bank Indonesia 2015-2019. The sampling method used was Purposive Sampling with certain criteria to obtain 9 Sharia Commercial Banks (BUS). This research uses quantitative methods. The independent variables in this study are Financing to Deposits Ratio (FDR), Non Performing Financing (NPF), Retrun On Asset (ROA), and Capital Adequacy Ratio (CAR). While the dependent variable in this study is Mudharabah Financing. The data analysis method used is multiple linear regression analysis and classic assumption test. The results of this study indicate that partially the Return on Asset (ROA) variable has an effect on Mudharabah Financing, while Financing to Deposits Ratio (FDR), Non Performing Financing (NPF), and Capital Adequacy Ratio (CAR) have no effect on Mudharabah Financing. Simultaneously, Financing to Deposits Ratio (FDR), Non Performing Financing (NPF), Return On Assets (ROA), and Capital Adequacy Ratio (CAR) has no effect on Mudharabah Financing in Islamic Banks in Indonesia.Keywords: Financing to Deposits Ratio (FDR), Non Performing Financing (NPF), Retrun On Asset (ROA), dan Capital Adequacy Ratio (CAR), Pembiayaan Mudharabah

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Analysis of the effect of third party fund, capital adequacy ratio, and loan to deposit ratio on bank‟s profitability after the application of IFRS

The Indonesian Accounting Review ◽

10.14414/tiar.v6i1.855 ◽

2017 ◽

Vol 6 (1) ◽

pp. 81

Author(s):

You Are Nita Sari ◽

Nur Suci I Mei Murni

Keyword(s):

Stock Exchange ◽

Linear Regression Analysis ◽

Multiple Linear Regression Analysis ◽

Commercial Banking ◽

Capital Adequacy ◽

Third Party ◽

Return On Assets ◽

Independent Variables ◽

Analysis Technique ◽

Capital Adequacy Ratio

The objective of this research is to analyze the effect of third party fund, capital adequacy ratio, and loan to deposit ratio on bank’s profitability after the application of IFRS. The bank’s profitability in this study is measured using return on assets (ROA). The samples used are 22 conventional commercial banking companies listed on the Indonesia Stock Exchange in the period from 2012 to 2013, which are selected through purposive sam-pling method. The analysis technique used is multiple linear regression analysis. The results of this study indicate that: (1) the variables of third party funds (TPF), capital adequacy ratio (CAR), and loan to deposit ratio (LDR) simultaneously have significant effect on return on assets (ROA); (2) the variable of third party fund (TPF) partially has positive but not significant effect on return on assets (ROA); (3) the variable of capital adequacy ratio (CAR) partially has positive and significant effect on return on assets (ROA); (4) the variable of loan to deposit ratio (LDR) partially has positive but not sig-nificant effect on return on assets (ROA) in conventional commercial banking companies listed on the Indonesia Stock Exchange (after the implementation of IFRS. The ability of the independent variables to explain the dependent variable in this study is 17.8%, while the remaining 82.2% is explained by other variables outside the models studied.

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DETERMINAN DANA PIHAK KETIGA DAN HUBUNGANNYA TERHADAP KREDIT BANK UMUM (STUDI KASUS PROVINSI JAMBI)

EKONOMIS Journal of Economics and Business ◽

10.33087/ekonomis.v2i1.29 ◽

2018 ◽

Vol 2 (1) ◽

pp. 29

Author(s):

Andri Devita

Keyword(s):

Economic Growth ◽

Interest Rate ◽

Commercial Banks ◽

Linear Regression Analysis ◽

Secondary Data ◽

Multiple Linear Regression Analysis ◽

Bank Loans ◽

Third Party ◽

Credit Data ◽

The Relationship

This study uses secondary data collected by research object in Jambi Province in the form of data of third party fund of commercial banks, interest rate and total credit data and economic growth sourced from Bank Indonesia as well as and Central Bureau of Statistics (BPS). Data were collected during the period 2004 to 2015. Objectives of the study 1). analyze the factors that influence the Third Party Fund (DPK) of Jambi Province. 2). analyzing the relationship of third party funds (DPK) to the amount of credit disbursed by commercial banks in Jambi Province. The analytical tool used is focusing on multiple linear regression analysis in time series and correlation person through with the help of software SPSS series 21.0. Based on the discussion of data analysis results in this study, can be drawn conclusion as follows: 1). bank interest rate variable negatively and insignificant to third party funds Jambi Province, while the number of banks and economic growth significantly influence third party funds Jambi Province during the period 2004-2015 with R-square 99.3%. 2). the relationship between third party funds and bank credit distribution is very strong with correlation value of 0.994 x 100% = 99.40%.Keywords: Bank Interest Rate, Third Party Funds, Economic Growth, and Bank Loans

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