scholarly journals Determinants of Islamic Banking Performance: An Empirical Study in Indonesia

2019 ◽  
Vol 10 (2) ◽  
pp. 139-154
Author(s):  
Taufikur Rahman ◽  
Aprih Santoso
Keyword(s):  
Regression Analysis ◽  
Sampling Technique ◽  
T Test ◽  
Capital Adequacy ◽  
Coefficient Of Determination ◽  
F Test ◽  
Substantial Impact ◽  
Purposive Sampling ◽  
Good Corporate Governance ◽  
Capital Adequacy Ratio

 AbstractThis study aimed to examine the effects of Capital Adequacy Ratio (CAR) and Good Corporate Governance (GCG) on Return On Asset (ROA) with Non-Performing Financing (NPF) as a moderating variable. The sample used in this study is 14 Islamic commercial banks listed on Bank Indonesia from 2014-2018. The sampling technique used in this research is purposive sampling with the type of data used in this research is panel data. To analyze the data, the researchers use a statistical test that includes classical assumption test, t-test, F-test, the coefficient of determination (R2), and Moderated Regression Analysis (MRA). The process of data analysis is using a means of IBM SPSS Statistics 23. The results of this study show that CAR has a negative and significant effect on ROA, and GCG does not have a substantial impact on ROA. This study indicates that NPF is unable to moderate the effect of CAR on ROA. However, NPF is significantly able to moderate the effect of GCG on ROAAbstrakPenelitian ini bertujuan untuk menguji pengaruh rasio kecukupan modal (CAR) dan tata kelola perusahaan yang baik (GCG) terhadap pengembalian asset (ROA) dengan pembiayaan bermasalah (NPF) sebagai variabel moderasi. Sampel yang digunakan dalam penelitian ini adalah 14 bank syariah yang terdaftar di Bank Indonesia periode 2014-2018. Teknik pengambilan sampel dalam penelitian ini adalah teknik purposive sampling dengan data yang digunakan adalah data panel. Teknik analisis yang digunakan adalah uji statistik meliputi uji asumsi klasik, uji t test, F-test, koefisien determinasi (R2), dan Moderated Regression Analysis (MRA). Pengolahan data dalam penelitian ini menggunakan alat bantu IBM SPSS Statistics 23. Hasil penelitian ini menunjukkan bahwa CAR berpengaruh negatif dan signifikan terhadap ROA dan GCG tidak berpengaruh secara signifikan terhadap ROA. Penelitian ini juga menunjukkan bahwa NPF tidak mampu memoderasi pengaruh CAR terhadap ROA. Namun, NPF secara signifikan mampu memoderasi pengaruh GCG terhadap ROA.

scholarly journals ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK PEMERINTAH (BUMN) DAN BANK UMUM SWASTA NASIONAL (BUSN) DENGAN MENGGUNAKAN METODE PENDEKATAN RGEC (RISK PROFIL E,GOOD CORPORATE GOVERNANCE, EARNING AND CAPITAL)YANG TERDAFTAR DI BURSA EFEK INDONESIA TAHUN 2014-2018

2021 ◽  
Vol 9 (1) ◽  
pp. 127
Author(s):  
Debby Suciani ◽  
Yulita Triadiarti
Keyword(s):  
Corporate Governance ◽  
Risk Profile ◽  
T Test ◽  
Capital Adequacy ◽  
Return On Equity ◽  
Purposive Sampling ◽  
Whitney Test ◽  
Good Corporate Governance ◽  
Mann Whitney Test ◽  
Capital Adequacy Ratio

ABSTRAK Penelitian ini bertujuan untuk menguji apakah terdapat perbedaan kinerja keuangan yang signifikan antara bank pemerintah (BUMN) dengan Bank Umum Swasta Nasional (BUSN) di Bursa Efek Indonesia tahun 2014-2018. . Kinerja keuangan diukur dengan menggunakan metode pendekatan RGEC yaitu Risk Profile, Good Corporate Governance, Earning, and Capital. Aspek Risk Profile diukur menggunakan rasio Non Performing Loan (NPL),aspek Good Corporate Governance diukur menggunakan nilai komposit GCG, aspek Earning diukur menggunakan rasio Return on Equity (ROE), dan aspek Capital diukur menggunakan Capital Adequacy Ratio (CAR). Populasi dalam penelitian ini adalah seluruh bank yang terdaftar di Bursa Efek Indonesia (BEI) tahun 2014 - 2018. Dari 42 perbankan yang terdaftar, dipilih 4 bank pemerintah (BUMN) dan 4 Bank Umum Swasta Nasional dengan menggunakan purposive sampling. Data yang digunakan dalam penelitian ini adalah data sekunder, yang diperoleh dari situs www.idx.co.id, www.ojk.go.id, dan www.bi.go.id. Teknik analisis data yang digunakan adalah analisis deskriptif kuantitatif, uji normalitas, Independent Sample T-test dan Mann Whitney Test. Hasil penelitian menunjukkan bahwa terdapat perbedaan kinerja keuangan yang signifikan antara bank pemerintah (BUMN) dan Bank Umum Swasta Nasional (BUSN) dilihat dari aspek Earning yang diukur dengan rasio Return on Equity (ROE). Dan tidak terdapat perbedaan kinerja keuangan yang signifikan antara bank pemerintah (BUMN) dan Bank Umum Swasta Nasional (BUSN) jika dilihat dari aspek Risk Profile yang diukur dengan rasio Non Performing Loan (NPL), aspek Good Corporate Governance yang diukur dari nilai komposit GCG, dan aspek Capital yang diukur dengan Capital Adequacy Ratio (CAR). Kata Kunci : Perbandingan, Kinerja Keuangan, Non Performing Loan, Nilai Komposit GCG, Return on Equity, dan Capital Adequacy Ratio. 

scholarly journals Pengaruh Komitmen, Komunikasi Dan Penanganan Masalah Terhadap Kepercayaan Nasabah Pada Bank Jatim Cabang Banyuwangi

2020 ◽  
Vol 16 (2) ◽  
pp. 311-325
Author(s):  
Angga Ade Permana ◽  
Muhammad Firdaus ◽  
Muhaimin Dimyati
Keyword(s):  
Linear Regression ◽  
Multiple Linear Regression ◽  
Research Method ◽  
Sampling Technique ◽  
T Test ◽  
Coefficient Of Determination ◽  
F Test ◽  
Purposive Sampling ◽  
Communication Problem ◽  
Customer Trust

This study analyzes the effect of commitment, communication, and problem handling on customer trust. The purpose of this study is to test and analyze commitment, communication, and handling problems to customer trust simultaneously or partially. The sampling technique in this study is nonprobability sampling and uses purposive sampling. The sample in this study amountedto 125 sample respondents to customers. The research method used in this study is multiple linear regression, t-test, f test,and the coefficient of determination R2. based on the results of the study indicate that the variables commitment (𝑋1), communication(𝑋2), and problem handling (𝑋3) simultaneously influence the customer's trust and commitment variable (𝑋1) and problem handling (𝑋3) partially effect on customer trust while communication (𝑋2) has no partial effect on customer trust in the East Java bank in Banyuwangi. Keywords:commitment, communication, problem handling,andtrust

scholarly journals PENGARUH KECERDASAN SPIRITUAL DAN DISIPLIN TERHADAP KINERJA GURU DI SD AL FIRDAUS SURAKARTA

2020 ◽  
Vol 5 (1) ◽  
Author(s):  
Ari Wibowo ◽  
R Arie Febrianto
Keyword(s):  
Regression Analysis ◽  
Teacher Performance ◽  
Sampling Technique ◽  
T Test ◽  
Spiritual Intelligence ◽  
Coefficient Of Determination ◽  
F Test

The objectives of this study were: (1) To measure and test the influence of spiritual intelligence and discipline on teacher performance at SD Al Firdaus Surakarta. (2) To measure and test the interaction of spiritual intelligence and discipline on teacher performance at SD Al Firdaus Surakarta. The number of samples in this study were 28 respondents, with the sampling technique using a census. The results of the regression analysis found that there was a positive and significant effect of spiritual intelligence and discipline on teacher performance at SD Al Firdaus Surakarta. The results of the t test and the F test prove that the variables of spiritual intelligence and discipline have a positive and significant effect both partially and simultaneously on teacher performance. Based on the value of the coefficient of determination which has a positive value of 0.66, it shows that the performance of teachers at SD Al Firdaus Surakarta can be explained by the spiritual intelligence and discipline variables of 66.0%, while the remaining 34.0% is explained by other factors that are not observed in this study. Keywords: spiritual intelligence, discipline, teacher performance and regression

scholarly journals Determinan Financing to Deposit Ratio Bank Umum Syariah di Indonesia Periode 2012-2015

2017 ◽  
Vol 4 (11) ◽  
pp. 860
Author(s):  
Didit Prakoso ◽  
Achsania Hendratmi
Keyword(s):  
T Test ◽  
Capital Adequacy ◽  
Quantitative Approach ◽  
Coefficient Of Determination ◽  
Islamic Banks ◽  
Return On Assets ◽  
F Test ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Approach Method

The research aimed to know the influence of Capital Adequacy Ratio (CAR), Return on Assets (ROA) and Size of the Financing to Deposit Ratio (FDR) Islamic Banks in Indonesia by using 11 Islamic Banks registered at Bank Indonesia the period 2012 to 2015 as samples. The research used a quantitative approach method. The analysis technique used multiple linearregression analysis and the equation is Y = 0,330 + 1,294(CAR) – 5,931(ROA) + 0,028 (Size). Based on the result of t-test (partial), CAR, ROA and Size significantly affects of FDR with the results of each 6,727, -2,831, 2,564. While the results of f-test (simultant) showed that CAR, ROA and Size significant effect on of FDR with a significance value 0.000. the coefficient of determination shows the value of R-Square (R2) of 54.0%. while the remains of 46% wasexplained by other variables outside the model.

scholarly journals Capital Adequacy Ratio, Loan to Deposit Ratio, Ukuran Perusahaan dan Return On Assets dengan Non Performing Loan sebagai Variabel Pemoderasi

2021 ◽  
Vol 31 (1) ◽  
pp. 130
Author(s):  
Made Diah Dianti Anggawulan ◽  
I Made Sadha Suardikha
Keyword(s):  
Regression Analysis ◽  
Firm Size ◽  
Stock Exchange ◽  
Sampling Technique ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Purposive Sampling ◽  
Capital Adequacy Ratio

This study aims to examine how CAR, LDR, and firm size influence ROA with NPL as a moderating variable. The location of the study was conducted at the Indonesia Stock Exchange (IDX) through its official website www.idx.co.id with a population of 43 companies that are on the Indonesia Stock Exchange in 2017. Purposive sampling technique was used in the determination of the sample in this study, so as to obtain a research sample of 39 banking. Analysis of the data used is the MRA (Moderated Regression Analysis) test. According to the result of the analysis it was found that CAR LDR, NPL, and firm size do not have an influence on ROA. NPL cannot moderate CAR, LDR, and firm size to ROA. Keywords:  CAR; LDR; NPL; Firm Size; ROA.

scholarly journals ANALISIS KINERJA KEUANGAN PERBANKAN DI INDONESIA DAN MALAYSIA

2021 ◽  
Vol 2 (1) ◽  
pp. 155-176
Author(s):  
Fitria Marisya
Keyword(s):  
Corporate Governance ◽  
Regression Analysis ◽  
Financial Performance ◽  
Significant Contribution ◽  
Banking Sector ◽  
Sampling Technique ◽  
Capital Adequacy ◽  
Good Corporate Governance ◽  
Capital Adequacy Ratio ◽  
Result Show

This research focuses on the analysis of Bank Financial Performance in Indonesia and Malaysia in 2010 - 2014. The study tries to discover the influence of NPL (non performing loans), Good Corporate Governance (GCG), Operational Expenses Compared to Operational Revenue (BOPO) and Capital Adequacy Ratio (CAR) toward profitability (ROA) of banking Indonesia and Malaysia. Using the purposive sampling technique, 54 banks, 27 in Indonesia and 27 in Malaysia, were used as sample. The data were analyzed using multiple regression analysis. The result show that (1) NPL partially gives negative siqnificant contribution toward ROA of banks in Indonesia and Malaysia, while GCG, BOPO, and CAR partially give positive siqnificant contribution toward it; (2) NPL, GCG, BOPO and CAR simultaneously give positive significant contribution toward ROA of banks in Indonesia and Malaysia. The result of this study might be a metter of consideration for investor in taking decision in investment particularly in banking sector both in Indonesia and Malaysia.

Pengaruh LDR, NPL, BOPO, CAR, DAN, GCG Terhadap Profitabilitas Pada Perusahaan Perbankan Yang Terdaftar Di Bursa Efek Indonesia Periode 2016-2018

2021 ◽  
Vol 9 (1) ◽  
pp. 103
Author(s):  
Erny Luxy Purba ◽  
Putri Chintia Hutagalung
Keyword(s):  
Corporate Governance ◽  
Capital Adequacy ◽  
Purposive Sampling ◽  
Good Corporate Governance ◽  
Capital Adequacy Ratio

AbstrakPermasalahan dalam penelitian ini adalah meningkatnya risiko yang dihadapi oleh bank-bank yang ada di Indonesia antara lain depresiasi rupiah, peningkatan suku bunga sehingga menyebabkan meningkatnya kredit bermasalah. Lemahnya kondisi internal bank sehingga menyebabkan kinerja bank menurun. Penelitian ini bertujuan untuk mengetahui pengaruh Loan to Deposit Ratio, Non Performing Loan, Biaya Operasional Pendapatan Operasional, Capital Adequacy Ratio, dan Good Corporate Governance Terhadap Profitabilitas pada Perusahaan Perbankan Yang Terdaftar Di Bursa Efek Indonesia Periode 2016-2018.Populasi pada penelitian ini adalah seluruh data-data laporan keuangan perusahaan perbankan yang terdaftar di Bursa Efek Indonesia (BEI) pada periode 2016-2018. Metode pengambilan sampel menggunakan purposive sampling diperoleh sampel sebanyak 17 perusahaan. Penelitian ini menggunakan data sekunder, dengan mengunduh laporan keuangan tahunan dari situs www.idx.co.id, maupun dari situs resmi perusahaan. Teknik analisis data yang digunakan adalah analisis statistik deskriptif, uji asumsi klasik, regresi linear berganda dan uji hipotesis.Hasil dalam penelitian menunjukkan bahwa Loan to Deposit Ratio menunjukkan pengaruh positif dan signifikan terhadap profitabilitas. Artinya pihak bank mampu mengelola pembiayaanTerhadap hutang secara baik. Hasil penelitian ini mampu menjelaskan teori signal. Biaya Operasional Pendapatan Operasional dan Good Corporate Governance menunjukkan pengaruh negatif dan signifikan terhadap profitabilitas. Artinya, perusahaan mampu mengelola biaya operasional dengan baik dan semakin baik kinerja Good Corporate Governance maka tingkat kepercayaan (trust) dari nasabah maupun investor menunjukkan respon yang positif. Hasil penelitian ini mampu menjelaskan teori signal dan teori agen. Non Performing Loan dan Capital Adequacy Ratio tidak berpengaruh signifikan terhadap profitabilitas. Artinya, pihak bank tidak mampu mengelola pinjaman dan memanfaatkan modal dengan baik. Hasil penelitian ini tidak mampu menjelaskan teori signal. Kata Kunci : Profitabilitas, Loan to Deposit Ratio, Non Performing Loan, Biaya Operasional Pendapatan Operasional, Capital Adequacy Ratio, dan Good Corporate Governance

scholarly journals Pengaruh Karakteristik, Sikap, Dan Keterampilan Wirausahawan Rumah Makan Pempek Di Kota Palembang Terhadap Keberhasilan Usaha

2019 ◽  
Vol 17 (1) ◽  
pp. 92
Author(s):  
Andreas Sarjono ◽  
Maria Josephine Tyra
Keyword(s):  
Regression Analysis ◽  
Multiple Regression Analysis ◽  
Multiple Regression ◽  
Influencing Factors ◽  
Sampling Technique ◽  
T Test ◽  
Purposive Sampling ◽  
Successful Business

A study entitled �The Influence of Characteristics, Attitude and Skill of Pempek Entrepreneurs in Palembang toward Successful Business Achievement� is an entrepreneurship study related to the influencing factors of succesful business achievement of pempek entrepreneurs in Palembang. This purpose of this study is to find out whether or not the entrepreneurs� characteristics, attitude and skill factors affect the succesful business achievement. Sample was selected by using purposive sampling technique. The hypothesis was tested by using multiple regression analysis. The t-test of SPSS calculation implied that the significant value of characteristics was 0.709, attitude was 0.213 and entrepreneurship skill was 0.287 (less than 0.05). Therefore, the results of the study implied that there was no correlation between characteristics, attitude and entrepreneurship skill of pempek entrepreneurs in Palembang toward succesful business achievement.

scholarly journals PENGARUH FDR, NPF, CAR, DAN BOPO TERHADAP ROA PADA BANK PEMBIAYAAN RAKYAT SYARIAH (BPRS)

2021 ◽  
Vol 1 (2) ◽  
pp. 145-157
Author(s):  
Nurul Ichsan Hasan ◽  
R. Rizny Anindya Reswanty
Keyword(s):  
Regression Analysis ◽  
Computer Program ◽  
Multiple Regression Analysis ◽  
Sampling Technique ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Microsoft Excel ◽  
Operating Income ◽  
Operational Costs ◽  
Capital Adequacy Ratio

This study analyzes the influence Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Capital Adequacy Ratio (CAR), Operational Costs and Operating Income Against Return On Assets (ROA) BPRS in Indonesia Period from 2010-September 2017. The data used in this study is. Sampling technique used in this research is purposive sampling. The method of analysis used in this study is Multiple Regression Analysis using the computer program Eviews Software version 9 and Microsoft Excel 2013. The results in this study show that Financing to Deposit Ratio (FDR), Non Performing Finance (NPF), Capital Adequacy Ratio  (CAR), and BOPO simultaneously have a significant effect on Return On Asset (ROA). Financing to Deposit Ratio (FDR), Non Performing Financing (NPF) partially do not have a significant effect on Return On Aset (ROA).

scholarly journals Indikator Risk Based Bank Rating, Kinerja Keuangan dan Perusahaan Perbankan

2021 ◽  
Vol 31 (3) ◽  
pp. 782
Author(s):  
Ida Bagus Made Bayu Indrawan ◽  
I Wayan Pradnyanta Wirasedana
Keyword(s):  
Corporate Governance ◽  
Financial Performance ◽  
Stock Exchange ◽  
Sampling Technique ◽  
Capital Adequacy ◽  
Good Corporate Governance ◽  
Net Interest Margin ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Interest Margin

The research aims to prove empirically the influence of Non-Performing Loans, Loans to Deposit Ratio, Good Corporate Governance, Net Interest Margin, and Capital Adequacy Ratio on financial performance of banking companies listed on the IDX. Agency theory and Productive theory of credit are the theories used in this study. The study population is all Banking Companies listed on the Indonesia Stock Exchange (IDX) in 2014-2018 totaling 45 companies. The research sample of 30 companies with non-probability sampling method with purposive sampling technique. The data analysis technique used is multiple linear regression. The research results obtained by Non Performing Loans are considered negative, Loan to Deposit Ratio and Good Corporate Governance are not approved and are significant, Net Interest Margin and Capital Adequacy Ratio have positive and significant effect on financial performance. Keywords: Non Performing Loan; Loan to Deposit Ratio; Good Corporate Governance; Net Interest Margin; Capital Adequacy Ratio; Financial Performance.

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