Pengaruh Kecukupan Modal, Fungsi Intermediasi, Pembiayaan Bermasalah, dan Biaya Operasional Terhadap Profitabilitas Indusstri Bank Syariah Periode Januari 2010-Desember 2012

The objectives of this research to analyze the influence of capital adequacy as measured by Capital Adequacy Ratio (CAR), intermediary functions as measured by Non Performing Financing (NPF), financial problems as measured by Financing to Deposit Ratio (FDR), and operational cost as measured by BOPO to profitability as measured by Return On Asset (ROA) of Islamic Banking Industry in the period of 2010-2012. The population used for the study is Islamic banks whose financial statements have been published to Bank Indonesia from 2010-2012. The sampling techniques is cencus sampling, so the sample in this study is every unit in a population. The data of this study used secondary data from the website of Bank Indonesia. The method of data analysis which was used is multiple linier regression analysis.From the result of analyse indicate that CAR, NPF, and BOPO variables has significantly affcet in partial toward ROA at level of significant less than 0,05, but only FDR variable has no significantly affect to the ROA. While, CAR, FDR, NPF, and BOPO variables in simultan has no affect to the ROA with a significance level of 0,000.

Download Full-text

PENGARUH PEMBIAYAAN USAHA MIKRO, KECIL, MENENGAH (UMKM), DAN KECUKUPAN MODAL TERHADAP KEMAMPUAN MENDAPATKAN LABA DARI ASET PERBANKAN SYARIAH DI INDONESIA

al-Uqud Journal of Islamic Economics ◽

10.26740/jie.v1n2.p183-201 ◽

2017 ◽

Vol 1 (2) ◽

pp. 183

Author(s):

Taudlikhul Afkar

Keyword(s):

Small And Medium Enterprises ◽

Secondary Data ◽

Sampling Technique ◽

Financial Statements ◽

Capital Adequacy ◽

Islamic Banking ◽

Real Sector ◽

Unit Of Analysis ◽

Capital Adequacy Ratio ◽

Medium Enterprises

The purpose of this research is to know the influence of sharia financing by the real sector through micro, small and medium enterprises (SMEs) and the influence of capital adequacy of Islamic Banking in Indonesia in order to earn profit by using managed assets. This study uses a quantitative approach that analyzes secondary data from financial statements Islamic Banking in Indonesia period 2012-2015. Sampling technique using purposive sampling with the ratio of each variable as a unit of analysis. The analysis used multiple linear regression with t test partially. The results showed that the influence of Islamic financing of micro, small and medium enterprises (SMEs) on the ability to get a very significant profit partially by 0.708 or 70.8%, while the influence of capital adequacy as measured by Capital Adequacy Ratio (CAR) -0.519 or -51.9%. The Effect of micro, small and medium enterprises (SMEs) financing and Capital Adequacy of Islamic Banking in obtaining profit amounts to 55.7%. This research shows that the financing of UMKM given by Islamic Banking gives an important role for entrepreneurs to develop his business with sharia scheme.

Download Full-text

PENGARUH PEMBIAYAAN USAHA MIKRO, KECIL, MENENGAH (UMKM), DAN KECUKUPAN MODAL TERHADAP KEMAMPUAN MENDAPATKAN LABA DARI ASET PERBANKAN SYARIAH DI INDONESIA

al-Uqud Journal of Islamic Economics ◽

10.26740/al-uqud.v1n2.p183-201 ◽

2017 ◽

Vol 1 (2) ◽

pp. 183

Author(s):

Taudlikhul Afkar

Keyword(s):

Small And Medium Enterprises ◽

Secondary Data ◽

Sampling Technique ◽

Financial Statements ◽

Capital Adequacy ◽

Islamic Banking ◽

Real Sector ◽

Unit Of Analysis ◽

Capital Adequacy Ratio ◽

Medium Enterprises

Download Full-text

Proposal for a new Sharīʿah risk rating approach for Islamic banks

ISRA International Journal of Islamic Finance ◽

10.1108/ijif-07-2017-008 ◽

2017 ◽

Vol 9 (1) ◽

pp. 87-94 ◽

Cited By ~ 5

Author(s):

Muhammad Adeel Ashraf ◽

Ahcene Lahsasna

Keyword(s):

Banking Industry ◽

Capital Adequacy ◽

Risk Scores ◽

Islamic Banking ◽

Islamic Banks ◽

Content Type ◽

Risk Rating ◽

Capital Adequacy Ratio ◽

High Level ◽

Rating Model

Purpose Customers of Islamic banking industry continue to be skeptical on Sharīʿah compliance of Islamic banks despite receiving fatwa from the competent authorities. The purpose of this paper is to quantify the Sharīʿah risk taken by Islamic banks, so that customers are better informed on the level of Sharīʿah compliance that will help in removing the persistent level of skepticism toward Sharīʿah compliance. Design/methodology/approach This research has used the scorecard based modeling approach to build the Sharīʿah risk rating model, which consists of 14 factors that capture Sharīʿah risk and are grouped in 5 major areas revolving around regulatory support, quality of Sharīʿah supervision, business structure, product mix and treatment of capital adequacy ratio. The score calculated by applying the model is grouped into 4 tiers reflecting the level Sharīʿah compliance at bank as non-compliant, weak compliance, satisfactory compliance and high level of Sharīʿah compliance. Three case studies were conducted by applying the model to Islamic banks from Malaysia, Pakistan and Saudi Arabia. Findings The final Sharīʿah risk scores calculated by the model clearly differentiate the 3 banks on basis of their Sharīʿah risk. The underlying scores also highlighted the areas where banks need to improve to reduce their Sharīʿah risk. Originality/value This model can be applied by customers of Islamic banks who are interested in understanding Sharīʿah-related aspects of Islamic banking industry. This model can be applied on standalone basis or as an extension to the conventional counter party risk rating models. This model can benefit management of Islamic banks toward allocation of capital against Sharīʿah risk under Basel III, and regulators can apply the model to measure industry wide risk of Sharīʿah non-compliance.

Download Full-text

Analysis the Effect of Islamic Banks Performance on Depositor’s Fund: Evidence from Indonesia

International Journal of Economics and Finance ◽

10.5539/ijef.v8n10p40 ◽

2016 ◽

Vol 8 (10) ◽

pp. 40 ◽

Cited By ~ 2

Author(s):

Mohmad T. Abusharbeh

Keyword(s):

Econometric Model ◽

Banking System ◽

Secondary Data ◽

Operational Efficiency ◽

Capital Adequacy ◽

Islamic Banking ◽

Islamic Banks ◽

Exogenous Variables ◽

Business Units ◽

Capital Adequacy Ratio

This study aims to examine the effect of CAMEL framework on depositor’s fund of Indonesian Islamic banks. The study uses a sample of 11 Islamic commercial banks and 24 Islamic business units’. It used depositors fund as the endogenous variable, and some components of CAMEL such as capital adequacy, assets quality, operational efficiency, profitability, and liquidity as exogenous variables. An econometric model was established and parameters are estimated based on the secondary data obtained from Islamic banking statistics-Bank of Indonesia database for five years (2010-2015). The results of the paper conclude that capital adequacy ratio and liquidity are significant and positively correlated to Islamic deposits, while nonperforming financing is significant but negatively related to the Islamic depositor’s fund. On the other hand, profitability and operational efficiency are not to be significant influence on the depositor’s fund. Finally, the statement of theory proved that good Islamic banks performance provided positive image and confidence in Islamic banking system.

Download Full-text

DETERMINAN RETURN ON ASSET (ROA) PADA INDUSTRI PERBANKAN SYARIAH DI INDONESIA PERIODE 2010-2018: PENDEKATAN AUTOREGRESSIVE DISTRIBUTED LAG (ARDL)

Jurnal Ekonomi Syariah Teori dan Terapan ◽

10.20473/vol6iss20191pp97-113 ◽

2020 ◽

Vol 6 (1) ◽

pp. 97

Author(s):

Feranti Farah Nur ◽

Raditya Sukmana

Keyword(s):

Banking Industry ◽

Capital Adequacy ◽

Islamic Banks ◽

Operational Cost ◽

Short Term ◽

Distributed Lag ◽

Autoregressive Distributed Lag ◽

Analysis Technique ◽

Capital Adequacy Ratio

This research aimed to test and analyze the influences of Non Performing Financing (NPF), Capital Adequacy Ratio (CAR), and Operational Cost of Operational Income (BOPO) on Return on Asset (ROA) in Sharia Banking Industry Indonesia period 2010-2018. It used quantitative approach. Furthermore, data analysis technique used was Autogressive Distributed Lag (ARDL). The results of this research showed that in a long-term, NPF and BOPO variables had a negative and significant effect on the variable of Return on Asset (ROA), and the variable of CAR had a positive and insignificant on the variable of Return on Asset (ROA). Meanwhile, in a short-term, NPF and BOPO variables had a negative and significant effect on the variable of Return on Asset (ROA), and the variable of CAR had a positive and significant effect on the variable of Return on Asset (ROA).Keywords: Islamic Banks, Return on Asset, Non Performing Financing, Capital Adequacy Ratio, Operational Cost of Operational Income, Autoregressive Distributed Lag

Download Full-text

Profitability of Islamic Rural Banks in West Sumatra: Analysis of the Third Party Funds and Financial Ratios

EKONOMIKA SYARIAH Journal of Economic Studies ◽

10.30983/es.v5i2.4829 ◽

2022 ◽

Vol 5 (2) ◽

Author(s):

Husni Shabri ◽

Anisa Azhari

Keyword(s):

Path Analysis ◽

Direct Effect ◽

Secondary Data ◽

Financial Statements ◽

Capital Adequacy ◽

Third Party ◽

Islamic Banking ◽

Capital Adequacy Ratio ◽

West Sumatra ◽

Intervening Variables

<div class="WordSection1">This research examines the problem of profitability in Islamic Rural Bank (BPRS) in West Sumatra Province. The purpose of this study was to analyze Third Party Funds (DPK), Capital Adequacy Ratio (CAR) and Non Performing Financing (NPF) as determinants that affect Return on Asset (ROA) at BPRS in West Sumatra Province through the intervening variable Financing to Deposit Ratio (FDR) for the 2015-2020 period. The research method uses descriptive quantitative approach with statistical path analysis through Sobel test. This study uses secondary data obtained from the financial statements of the BPRS. The results showed that DPK, CAR and FDR had no direct effect on the ROA of BPRS in West Sumatra Province for the 2015-2020 period, only NPF had a direct effect on ROA. While indirectly through intervening variables, DPK and NPF have no effect on ROA, only CAR can be mediated by FDR on ROA. This research contributes to enriching knowledge about Islamic banking and can be used as consideration for entities in increasing the profitability of Islamic Rural Bank by looking at the factors that can affect profitability with FDR as the mediating variable. Penelitian mengkaji tentang masalah profitabilitas pada BPRS di Provinsi Sumatera Barat. Tujuan penelitian ini adalah untuk menganalisis DPK CAR dan NPF sebagai determinan yang mempengaruhi ROA pada BPRS di Provinsi Sumatera Barat melalui intervening variable FDR periode 2015-2020. Metode penelitian menggunakan kuantitatif deskriptif dengan pendekatan statistik path analysis melalui uji sobel. Penelitian ini menggunakan data sekunder yang diperoleh dari laporan keuangan BPRS. Hasil penelitian menunjukan bahwa DPK, CAR dan FDR secara langsung tidak memiliki pengaruh terhadap ROA BPRS di Provinsi Sumatera Barat periode 2015-2020, hanya NPF yang berpengaruh langsung terhadap ROA. Sedangkan secara tidak langsung melalui variable intervening, DPK dan NPF tidak memiliki pengaruh terhadap ROA, hanya CAR yang mampu dimediasi oleh FDR terhadap ROA. Hasil penelitian ini berkontribusi menambah khazanah ilmu pengetahun tentang perbankan syariah dan dapat digunakan sebagai bahan pertimbangan bagi entitas dalam meningkatkan profitabilitas Bank Pembiayaan Rakyat Syariah dengan memperhatikan fator-faktor yang dapat mempengaruhi profitabilitas dengan FDR sebagai variabel mediasi nya. </div>

Download Full-text

Impact of Covid-19 on Financial Performance of Sharia Bank in Indonesia

Journal of Economics, Finance and Management Studies ◽

10.47191/jefms/v4-i11-09 ◽

2021 ◽

Vol 04 (11) ◽

Author(s):

Rio Trisasmita ◽

Keyword(s):

Corporate Governance ◽

Banking Industry ◽

Total Sample ◽

Research Data ◽

Capital Adequacy ◽

Islamic Banking ◽

Islamic Banks ◽

Good Corporate Governance ◽

Capital Adequacy Ratio ◽

Strategic Role

The Islamic Banking Industry has a strategic role in people's economic development.This study aims to analyze the effect of CAR, NPF, FDR, and BOPO on the performance of Islamic banks in Indonesia during the Covid-19 pandemic, using Good Corporate Governance moderation. The total sample of research data during the study period was 60 observational data. This research was conducted using the Moderated Regression Analysis (MRA) method. Based on the results of the data test, it was found that the capital adequacy ratio and BOPO variables had a positive and significant effect on the performance of Islamic banks. The non-performing financing variable has no effect on the performance of Islamic banks. The variable Financing to Deposit Ratio has a negative and significant effect on the performance of Islamic Banks. Good Corporate Governance as measured by the size of the Board of Commissioners and proven to moderate the influence of the Capital Adequacy Ratio and BOPO variables on the performance of Islamic Banks. Good Corporate Governance as measured by the size of the Board of Commissioners is proven to moderate the influence of the Non Performing Financing variable on the performance of Islamic Banks, but moderate the influence of the Financing to Deposit Ratio variable on the performance of Islamic Banks.

Download Full-text

FAKTOR-FAKTOR YANG MEMPENGARUHI PROFITABILITAS PADA BANK SYARIAH DI INDONESIA

WADIAH ◽

10.30762/wadiah.v5i1.3177 ◽

2021 ◽

Vol 5 (1) ◽

Author(s):

Andriani Andriani ◽

Yurike Sofiana Askurun

Keyword(s):

Sampling Method ◽

Secondary Data ◽

Financial Statements ◽

Capital Adequacy ◽

Islamic Banks ◽

Purposive Sampling ◽

Islamic Bank ◽

Capital Adequacy Ratio ◽

A Company ◽

Observation Period

Profitability is the most appropriate indicator to measure the performance of a company. The company's ability to generate profits to measure the level of performance of a company. The higher the company's profitability, the better the company's performance. The purpose of this study was to determine the effect of Financing Deposit Ratio (FDR), OEOI, Capital Adequacy Ratio (CAR), and Non Performing Financing (NPF) on profitability (ROA) of Islamic bank financial statements published by Indonesian banks. in the period 2008-2012.This study aims to analyze the effect of the FDR ratio, operational efficiency (ROA), CAR, and NPF on profitability (ROA) in Islamic banks on published finances. Bank Indonesia, while the research sample was determined by purposive sampling method in order to obtain 41 samples from 11 banking companies during the observation period (2009-2012). The type of data used is secondary data obtained from Islamic bank financial statements at PTwww.bi.go.id.The analytical method used is multiple regression analysis. The results of this study indicate that FDR has no significant effect on Indonesian Islamic banks, BOPO has a significant effect on ROA in Islamic banks in Indonesia, CAR does not have a significant effect on Islamic banks in Indonesia, NPF has no significant effect on Indonesian Islamic banks.Keywords: FDR, OEOI, CAR, NPF and ROA. Abstrak Profitabilitas merupakan indikator yang paling tepat untuk mengukur kinerja suatu perusahaan. Kemampuan perusahaan dalam menghasilkan laba untuk mengukur tingkat kinerja suatu perusahaan. Semakin tinggi profitabilitas perusahaan maka semakin baik pula kinerja perusahaan tersebut. Tujuan penelitian ini adalah untuk mengetahui pengaruh Financing Deposit Ratio (FDR), BOPO, Capital Adequacy Ratio (CAR), dan Non Performing Financing (NPF) terhadap profitabilitas (ROA) laporan keuangan bank syariah terbitan bank-bank Indonesia. dalam periode 2008-2012.Penelitian ini bertujuan untuk menganalisis pengaruh rasio FDR, efisiensi operasional (ROA), CAR, dan NPF terhadap Profitabilitas (ROA) pada bank syariah terhadap keuangan yang dipublikasikan. Bank Indonesia, sedangkan sampel penelitian ditentukan dengan metode purposive sampling sehingga diperoleh 41 sampel dari 11 perusahaan perbankan pada periode observasi (2009-2012). Jenis data yang digunakan adalah data sekunder yang diperoleh dari Laporan Keuangan bank syariah di PTwww.bi.go.id.Metode analisis yang digunakan adalah analisis regresi berganda. Hasil penelitian ini menunjukkan bahwa FDR tidak berpengaruh signifikan terhadap bank syariah Indonesia, BOPO berpengaruh signifikan terhadap ROA pada bank syariah di Indonesia, CAR tidak berpengaruh signifikan terhadap bank syariah di Indonesia, NPF tidak berpengaruh signifikan terhadap bank syariah Indonesia.Kata Kunci: FDR, BOPO,CAR, NPF dan ROA.

Download Full-text

Efficiency and Rentability of Islamic Banks in Indonesia

INOVATOR ◽

10.32832/inovator.v9i1.2972 ◽

2020 ◽

Vol 9 (1) ◽

pp. 41

Author(s):

Sugeng Haryanto ◽

Yanuar Bachtiar ◽

Wildani Khotami

Keyword(s):

Secondary Data ◽

Capital Adequacy ◽

Islamic Banks ◽

Bank Efficiency ◽

Macroeconomic Factors ◽

Analysis Technique ◽

Capital Adequacy Ratio ◽

Operating Margin ◽

Financing Risk ◽

Quantitative Descriptive

<table border="1" cellspacing="0" cellpadding="0"><tbody><tr><td valign="top" width="454">This study aims to analyze the influence of macroeconomic factors, efficiency, risk, financing to deposit ratio and CAR on the rentability of Islamic banks. This research is a quantitative descriptive. The study period was conducted in 2010-2019, with quarterly data. The data source is secondary data. Data collection techniques are done by documentation. Data is taken from www.ojk.go.id and www.bi.go.id. The type of data used is quantitative data. The research variables are rentability, efficiency, financing risk, FDR, Capital Adequacy Ratio (CAR) and macroeconomic data in the form of GDP and inflation. Rentability is measured by Nett operating margin (NOM), bank efficiency is measured using BOPO and financing risk is measured by non-performing financing (NPF). The analysis technique used is multiple linear regression. The results showed that the GDP variable did not affect rentability. Efficiency, risk, and CAR affect rentability. FDR does not affect rentability.</td></tr></tbody></table>

Download Full-text

Analisis Faktor-Faktor yang Mempengaruhi Jumlah Deposito Mudharabah pada Bank Syariah Mandiri yang Terdaftar di Bank Indonesia Periode 2010-2014

Assets : Jurnal Ilmiah Ilmu Akuntansi, Keuangan dan Pajak ◽

10.30741/assets.v3i2.441 ◽

2019 ◽

Vol 3 (2) ◽

pp. 104-113

Author(s):

Imam Abrori ◽

Siti Khobsoh

Keyword(s):

Interest Rate ◽

Linear Regression ◽

Multiple Linear Regression ◽

Significant Influence ◽

Secondary Data ◽

Financial Statements ◽

Islamic Banks ◽

Significance Level

This study aims to identify and explain how the effect Inflation, Interest Rate Deposit, and Finance to Deposit Ratio Total Mudharabah deposits in Islamic banks. The method used is multiple linear regression. The object of research used in this research is PT. Bank Syariah Mandiri using secondary data from the publication of monthly financial statements starting from 2010-2014. The results showed that: The rate of inflation has a negative and significant effect on the amount of deposits Mudharabah. Furthermore, other results showed that the rate of interest did not affect positively and significantly to Total Deposit Mudharabah. While the results of Finance to Deposit Ratio has a positive and significant influence on the amount of deposits Mudharabah. The test is performed with a significance level of α = 0.1.

Download Full-text