FAKTOR-FAKTOR YANG MEMPENGARUHI TINGKAT MARGIN MURABAHAH PADA INDUSTRI PERBANKAN SYARIAH PERIODE 2012-2017

This study aims to determine the effect of Financing to Deposit Ratio, profit sharing of third party funds, overhead cost, and BI rate on Murabahah margin rate in Islamic Bank Industries in Indonesia period 2012-2017. This research use multiple linear regression analysis. There are four independent variable in this research namely Financing to Deposit Ratio, Profit Sharing Of Third Party Funds, Overhead Cost, and BI Rate. The sample in this study used a saturated sample, while data were taken from Islamic Bank Statistic issued by OJK, while BI rate taken from www.bi.go.id. The result show that Financing to Deposit Ratio and profit sharing of thirty party funds has positive and significant effect on the Murabahah margin rate. While overhead cost and BI rate has no effect on the Murabahah margin rate. All the independent variables in this research are simultaneously has significant effect on the Murabahah margin rate.Keywords: Financing to Deposit Ratio (FDR), profit sharing of third party funds, overhead cost, BI rate, Murabahah margin rate.

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PENGARUH TOTAL ASET DAN BAGI HASIL PERBANKAN TERHADAP VOLUME DANA PIHAK KETIGA (DPK) PADA BANK UMUM SYARIAH

Jurnal Riset Manajemen Sekolah Tinggi Ilmu Ekonomi Widya Wiwaha Program Magister Manajemen ◽

10.32477/jrm.v6i2.354 ◽

2019 ◽

Vol 6 (2) ◽

pp. 131-146

Author(s):

Selamat Riauwanto ◽

Sulastiningsih Sulastiningsih

Keyword(s):

Linear Regression ◽

Multiple Linear Regression ◽

Commercial Banks ◽

Linear Regression Analysis ◽

Multiple Linear Regression Analysis ◽

Profit Sharing ◽

Third Party ◽

Annual Reports ◽

Regression Methods ◽

Independent Variable

This study aims to analyze and determine the effects partially and simultaneously from internal banking factors in the form of: Total Assets and Banking profit sharing for Third Party Funds at Banks Sharia General. This research method used multiple linear regression analysis with the help of Eviews 8 software which is used to test the effect of independent variables in the form of Total Assets and Profit Sharing on the volume of Third Party Funds (DPK) in Islamic Commercial Banks. The sample of this study was 10 Islamic Commercial Banks, so that there were 50 annual reports obtained through purposive sampling, then analyzed using multiple linear regression methods. The results showed that based on F Test, the independent variable had an effect on DPK, indicated by the F value of 46.08032 and the significance of 0.000000 as a whole the independent variable was able to explain the effect of 82.14%. While based on the partial t test, it showed that Total Assets have a significant positive effect with a significance value below 0.05 (5%). Meanwhile profit sharing does not affect Third Party Fund Volume.

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PENGARUH TOTAL ASET DAN BAGI HASIL PERBANKAN TERHADAP VOLUME DANA PIHAK KETIGA (DPK) PADA BANK UMUM SYARIAH

Jurnal Riset Manajemen Sekolah Tinggi Ilmu Ekonomi Widya Wiwaha Program Magister Manajemen ◽

10.32477/jrm.v6i2.19 ◽

2020 ◽

Vol 6 (2) ◽

pp. 131-146

Author(s):

Selamat Riauwanto ◽

Sulastiningsih Sulastiningsih

Keyword(s):

Linear Regression ◽

Multiple Linear Regression ◽

Commercial Banks ◽

Linear Regression Analysis ◽

Multiple Linear Regression Analysis ◽

Profit Sharing ◽

Third Party ◽

Annual Reports ◽

Regression Methods ◽

Independent Variable

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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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Analysis of Factors That Influence Employee Performance of PT Bumimulia Indah Lestari Cilegon Banten

Ilomata International Journal of Management ◽

10.52728/ijjm.v1i4.162 ◽

2020 ◽

Vol 1 (4) ◽

pp. 198-202

Author(s):

Suhartini ◽

Ratu Dea Mada

Keyword(s):

Social Security ◽

Work Motivation ◽

Employee Performance ◽

Linear Regression Analysis ◽

Multiple Linear Regression Analysis ◽

Test Reliability ◽

Independent Variables ◽

Processing Data ◽

Analysis Technique ◽

Saturated Sample

This study aims to determine the factors that influence employee performance at PT. Bumimulia Indah Lestari Cilegon Banten. The independent variables Social security and work motivation are the factors that are analyzed partially and simultaneously on the Dependent Variable of Employee Performance at the company. The number of samples in this study was 70 employees is a saturated sample. The analysis technique in this research uses a validity test, reliability test, classic assumption test, multiple linear regression analysis, t-test, F test, and R2 test. The research method used is a descriptive quantitative method that is a measurement of object data by processing data using SPPS V.25.0 software. The results showed that (1) Social security variables partially did not have a positive and significant effect on the performance of the employees of PT Bumimulia Indah Lestari, as evidenced by the t-value of 1,458 < t-table 1,668 with a sig value of 0.150> 0.05. (2) Work Motivation Variable partially positive and significant effect on the performance of the employees of PT Bumimulia Indah Lestari, evidenced by t-value 2,375> t-table 1,668 with a sig value of 0.02 <0.05. (3) Social Security and Work Motivation Variables simultaneously have a positive and significant effect on Employee Performance of 19.6% s on the performance of employees of PT Bumimulia Indah Lestari, where the F-value is 8,189> F table 3.13 with a sig value of 0.001 < 0.05. Suggestions for PT Bumimulia Indah Lestari pay more attention to the timeliness of employees in carrying out their work so that the company's targets are met properly.

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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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Determinants of Non Performing Financing (NPF) on Sharia Rural Banks (BPRS) in Indonesia

EFFICIENT Indonesian Journal of Development Economics ◽

10.15294/efficient.v2i1.28404 ◽

2019 ◽

Vol 2 (1) ◽

pp. 341-353

Author(s):

Muhammad Muhammad

Keyword(s):

Linear Regression Analysis ◽

Secondary Data ◽

Multiple Linear Regression Analysis ◽

Significant Positive Effect ◽

Independent Variables ◽

Negative Effect ◽

External Conditions ◽

Independent Variable ◽

Positive Effect ◽

Good Risk

The purpose of this research is to find out and analyze the determinants of NPF on BPRS in Indonesia in 2011 -2017. The method which is used in this study is a multiple linear regression analysis with independent variables CAR, BPP, inflation, and GDP, while the dependent variable is NPF. The data in this study is secondary data for monthly time from January 2011 - December 2017. The results showed that the independent variables significantly influence NPF simultaneously. While partially CAR has a significant positive effect, BPP has a significant negative effect, inflation has no significant positive effect, and GDP has a significant positive effect on NPF. R2 value is 88.01%, this shows 88.01% variation of the NPF is explained by the independent variable and the remaining 11.99% is explained by other variables outside the model. BPRS needs to carry out good risk management by having to be more sensitive to internal conditions and external conditions of the bank because these conditions can be used as determinants of the type of financing and policies that will be used by the BPRS, so as to control the level of NPF at a reasonable level. Tujuan dari penelitian ini adalah untuk mengetahui dan menganalisis factor penentu NPF pada BPRS di Indonesia padatahun 2011-2017. Metode yang digunakan dalam penelitian ini adalah analisis regresi linier berganda dengan variable bebas CAR, BPP, inflasi, dan PDB, sedangkan variable terikatnya adalah NPF. Data dalam penelitian ini adalah data sekunder untuk waktu bulanan dariJanuari 2011 - Desember 2017. Hasilpenelitian menunjukkan bahwa variable independen secara signifikan mempengaruhi NPF secara bersamaa Sementara sebagian CAR memiliki efek positif yang signifikan, BPP memiliki efek negatif yang signifikan, inflasi tidak memiliki efek positif yang signifikan, dan PDB memilikiefekpositif yang signifikanterhadap NPF. Nilai R2 adalah 88,01%, inimenunjukkanvariasi NPF 88,01% dijelaskan oleh variable independen dan sisanya 11,99% dijelaskan oleh variabel lain di luar model. BPRS perlu melakukan manajemen risiko yang baik dengan harus lebih peka terhadap kondisi internal dan kondisi eksternal bank karena kondisi ini dapat digunakan sebagai penentu jenis pembiayaan dan kebijakan yang akan digunakan oleh BPRS, sehingga dapat mengendalikan tingkat NPF pada tingkat yang wajar.

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Pengaruh Pembiayaan Jual Beli, Pembiayaan Bagi Hasil Dan Intellectual Capital Terhadap Kinerja Keuangan Bank Syariah

AKRUAL Jurnal Akuntansi ◽

10.26740/jaj.v6n2.p130-146 ◽

2015 ◽

Vol 6 (2) ◽

pp. 130

Author(s):

Achmad Syaiful Nizar ◽

Mochamad Khoirul Anwar

Keyword(s):

Financial Performance ◽

Commercial Bank ◽

Intellectual Capital ◽

Linear Regression Analysis ◽

Value Added ◽

Multiple Linear Regression Analysis ◽

Profit Sharing ◽

Islamic Bank ◽

Analysis Technique ◽

Trade Financing

This research aims to examine the effect of trade financing, profit sharing financing and intellectual capital as measured with islamic Bank-Value Added Intellectual Coeficient (iB-VAIC) towards financial performance as measured with Return On Asset (ROA) of islamic bank. The population in this study is an Islamic commercial bank during the period 2011-2014, of all populations there are 9 Islamic commercial bank that have meet the criteria for the research samples. Data used in this research are annual financial statements published on official website of Islamic commercial bank. The analysis technique used in this research is multiple linear regression analysis. These result shows that trade financing don’t affect of financial performance, profit sharing financing don’t affect of financial performance and intellectual capital affect of financial performance.Keywords: Financing, Intellectual Capital, Financial Performance and Islamic Bank

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PENGARUH DANA PIHAK KETIGA, TINGKAT BAGI HASIL DAN NON PERFORMING FINANCING TERHADAP VOLUME DAN PORSI PEMBIAYAAN BERBASIS BAGI HASIL PADA PERBANKAN SYARIAH DI INDONESIA

Journal of Islamic Economics and Finance ◽

10.22373/share.v4i1.754 ◽

2015 ◽

Vol 4 (1) ◽

Author(s):

Lintang Nurul Annisa ◽

Rizal Yaya

Keyword(s):

Linear Regression Analysis ◽

Financial Statements ◽

Multiple Linear Regression Analysis ◽

Profit Sharing ◽

Third Party ◽

Islamic Banks ◽

Subsequent Period ◽

Variable Level ◽

The Impact ◽

Results Based Financing

This study aims to examine the impact of the third-party funds (DPK), profit sharing rate and non-performing financing (NPF) of the volume and financing portion of profit sharing based on Islamic banking. The sample of this study is seven Islamic banks with the purpose of research object are quarterly financial statements from June 2010 until September 201. Methods of data analysis are using multiple linear regression analysis. The results showed that, from the aspect of volume, DPK variable, profit sharing rate and NPF last period has a significant impact on the profit-sharing based on financing volume for the subsequent period. In the proportion aspect, it is found that the only variable level of revenue sharing finance portfolio of last period that significantly influences the results-based financing portion for the next period. =========================================== Penelitian ini bertujuan untuk mengetahui pengaruh dana pihak ketiga (DPK), tingkat bagi hasil dan non-performing financing (NPF) terhadap volume dan porsi pembiayaan berbasis bagi hasil pada perbankan syariah. Sampel yang digunakan adalah tujuh bank umum syariah dengan objek penelitian laporan keuangan triwulan dari Juni 2010 hingga September 2013.Metode analisis data menggunakan analisis regresi linear berganda.Hasil penelitian menunjukkan bahwa, dari aspek volume, variabel DPK, tingkat bagi hasil dan NPF periode lalu berpengaruh signifikan terhadap volume pembiayaan berbasis bagi hasil periode berikutnya.Pada aspek proporsi ditemukan bahwa hanya variable tingkat bagi hasil penyaluran pembiayaan periode lalu yang berpengaruh signifikan terhadap porsi pembiayaan berbasis bagi hasil periode berikutnya.

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Efek Motivasi Dan Disiplin Kerja Terhadap Kinerja Karyawan Di KJKS BMT Mandiri Sejahtera Karang Cangkring Jawa TImur

AKADEMIKA ◽

10.30736/akademika.v10i2.25 ◽

2016 ◽

Vol 10 (2) ◽

pp. 279-287

Author(s):

Misbahul Khoir

Keyword(s):

Quantitative Method ◽

Employee Performance ◽

Linear Regression Analysis ◽

Multiple Linear Regression Analysis ◽

Independent Variables ◽

Significant Independent Variable ◽

Independent Variable ◽

Or Organization ◽

Variable Performance ◽

Two Independent Variables

High employee performance can be achieved if all the elements that exist within the agency or organization well integrated, and it therefore requires the support of motivation and discipline in order to improve the employee's performance. The purpose of this study is to analyze and determine the effect of motivation and discipline to employee performance. This study aimed to examine the effect of motivation and discipline to employee performance either partially or simultaneously on KJKS Bmt Mandiri Sejahtera Karangcangkring East Java. The method used is quantitative method with a sample of 36 respondents. Data were collected by using questionnaires and data analysis used is multiple linear regression analysis. The results showed regression equation as follows: Y = 1,757 + 0.497X1 + 0.434X2 where variable Performance (Y), variable motivation (X1), variable working Discipline (X2). Hypothesis testing using the t test showed a significant independent variable partial effect on the dependent variable. Then known calculated F value of 44 275> 3:28 with a significance of 0.000 <0.05, meaning that the two independent variables studied simultaneously affect the performance of the variable that is equal to 72.9%. While the remaining 27.1% is influenced by other variables not included in this study.

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The Effect OF FDR, NPF, OEOI, and Size Toward ROA (Comparative Study on Indonesian Islamic Bank and Malaysian Islamic Bank Periode 2010-2015)

International Journal of Islamic Business and Economics (IJIBEC) ◽

10.28918/ijibec.v3i1.1426 ◽

2019 ◽

Vol 3 (1) ◽

pp. 12

Author(s):

Anafil Windriya

Keyword(s):

Regression Analysis ◽

Linear Regression ◽

Linear Regression Analysis ◽

Multiple Linear Regression Analysis ◽

Islamic Banks ◽

Operating Income ◽

Independent Variables ◽

Islamic Bank ◽

Chow Test ◽

Significant Difference

This research aims to analyze the influence of Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Operating Expenses to Operating Income (OEOI), Firm Size toward Return On Asset (ROA). The object of this research are Islamic Bank in Indonesia and Islamic Bank in Malaysia in 2010-2015. Another aim is to determine whether there are differences in effects of FDR, NPF, OEOI and size toward ROA between Islamic Bank in Indonesia and Islamic Bank in Malaysia. Multiple linear regression analysis was used to test the hypothesis in this study. Chow test is used to determine the differences in the effect. The results of this study concluded that FDR, NPF, OEOI and Size effect on ROA simultaneously, both at Indonesian Islamic Bank and Malaysian Islamic Bank. In Indonesian Islamic Bank, independent variables that influence toward ROA are FDR, OEOI and Size. In Malaysia Islamic Bank, only OEOA wich affecting toward ROA. Based on the chow test, can be concluded that there is a significant difference between the Indonesian Islamic Bank and Malaysian Islamic Bank. Results of independent t test showed that the average variable that has a different effect between Indonesia Islamic Banks and Malaysia Islamic Banks is Size.

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