Faktor-Faktor Yang Mempengaruhi Capital Adequacy Ratio (CAR) Bank Umum Syariah di Indonesia

Capital adequacy regulation imposed on banks, including Islamic banks, is part of the regulators’ efforts to ensure that banks have adequate capital in order to get them prepared facing the risks that might arise in their operations. This research aims to find the effects of Islamic banks’ specific variables on Capital Adequacy Ratio (CAR), the capital adequacy indicator in banks.Using panel data regression, this research investigates the possible effects of four bank spesific variables which are Bank Size (LNSIZE), Non-Performing Financing (NPF), Return on Equity (ROE), and Financing to Deposit Ratio (FDR) on Capital Adequacy Ratio (CAR). There are 11 Indonesia’s Islamic commercial banks during 2011 to 2015 used as sample. As Fixed Effect Model (FEM) chosen to be the estimation model, this research indicates that LNSIZE, NPF, ROE and FDR have significant effects on CAR with different level of significance.

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Pengaruh ketimpangan pendapatan dan kemiskinan terhadap pertumbuhan ekonomi antar pulau di Indonesia

Jurnal Paradigma Ekonomika ◽

10.22437/paradigma.v14i2.6948 ◽

2019 ◽

Vol 14 (2) ◽

pp. 55-66

Author(s):

Selamet Rahmadi ◽

Parmadi Parmadi

Keyword(s):

Economic Growth ◽

Fixed Effect Model ◽

Model Estimation ◽

Estimation Model ◽

Hausman Test ◽

Pooled Data ◽

Effect Model ◽

Panel Data Regression ◽

Data Regression ◽

Estimation Models

This study aims to find out and analyze the effect of income inequality and poverty on economic growth on each island in Indonesia. To answer these objectives, panel data regression (pooled data) is used. The results of the study show: (1). the best regressions on estimation models are based on the Chow and the Hausman test using the Fixed Effect Model estimation model for each island in Indonesia. (2). Income and poverty inequality negatively affected economic growth in all islands in Indonesia during the 2015-2018.

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Dana pihak ketiga, Inflasi dan Pembiayaan Mudharabah terhadap Non Performing Financing pada Bank Islam di Indonesia dan Malaysia

Jurnal Ekonomi Pembangunan ◽

10.29259/jep.v16i2.8883 ◽

2019 ◽

Vol 16 (2) ◽

pp. 74-80

Author(s):

Afrillia Tiara Putri ◽

Saadah Yuliana ◽

Anna Yulianita

Keyword(s):

Panel Data ◽

Secondary Data ◽

Fixed Effect Model ◽

Third Party ◽

Coefficient Of Determination ◽

Islamic Banks ◽

Effect Model ◽

Panel Data Regression ◽

Data Regression ◽

Negative Effect

This study aimed to analyze the influence of third party funds, inflation, and mudharabah against non performing financing on Islamic Banks in Indonesia and Malaysia. Data used is secondary data. The method used in this analysis is the panel data regression. The results showed that in partial third party fund and mudharabah significant negative effect on the Non Performing Financing, while inflation is positive and not significant to the Non Performing Financing. Variable Third Party Funds, Inflation and mudharabah jointly significant effect on Non Performing Financing. Based on the regression equation fixed effect model results show the results of the coefficient of determination (R2) is 0.369198, or 36.91 per cent means that the variation of the variable third party funds, inflation and mudharabah have an influence on the non performing financing for the coefficient of determination, while the rest 63.09 percent influenced by variables outside the model

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Profitability Condition With Stylized Fact of Banking Industries in Indonesia, Malaysia and Thailand

AFEBI Management and Business Review ◽

10.47312/ambr.v5i2.308 ◽

2020 ◽

Vol 5 (2) ◽

pp. 15

Author(s):

Helma Malini

Keyword(s):

Exchange Rates ◽

Interest Rates ◽

Fixed Effect Model ◽

Capital Adequacy ◽

Return On Assets ◽

Factors Affecting ◽

Independent Variables ◽

Effect Model ◽

Panel Data Regression ◽

Data Regression

The survival of banking industries are determined by many factor including profitability earn during the years. Therefore, this study investigates factors affecting profitability of banks in ASEAN. This study uses 10 banks with the largest assets in Indonesia, Malaysia and Thailand with sample studies of 30 banks in ASEAN with 10 years of operationalization duration. Return on assets (ROA) is the dependent variable and the independent variables used are non-performing loans (NPL), capital adequacy ratios (CAR), total assets (Size), loan-to-deposit ratio (LDR), domestic product growth gross (GDP growth), inflation, interest rates and exchange rates. Data is processed using panel data regression with the Cochrance Orcutt method on the basis of the Common and Fixed Effect Model with the combination of stylized facts among each countries. The final results of this study are varied among countries. In Indonesia only NPLs have a significant significance of ROA, which is a significant negative. In Malaysia, only the exchange rate is significant to ROA, which is a significant negative. In Thailand, only NPI has a significant effect on ROA, which is a significant negative. Overall in Southeast Asia, only NPLs, interest rates and exchange rates significantly affect ROA, which is a significant negative. In other independent variables, it does not have a significant effect on ROA.

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PENGARUH PELAKSANAAN KUALITAS AUDIT DAN PROPORSI DEWAN KOMISARIS INDEPENDEN TERHADAP KINERJA KEUANGAN PERUSAHAAN PROPERTY DAN REAL ESTATE DI BURSA EFEK INDONESIA

10.31227/osf.io/txkqw ◽

2019 ◽

Author(s):

Ningsih ◽

Aminar Sutra Dewi

Keyword(s):

Real Estate ◽

Financial Performance ◽

Stock Prices ◽

Audit Quality ◽

Fixed Effect Model ◽

Return On Equity ◽

Effect Model ◽

Panel Data Regression ◽

Data Regression

The decline in stock prices of property and real estate firms resulted from thegovernment's policy of high loan interest has not affected the property sector and realestate. This study aims to examine the effect of Good Corporate Governanceimplementation that is the quality of auditor (KA) to financial performance andproportion of independent board of commissioner (PDKI) to company financialperformance. This research uses purposive sampling method that is sampling techniquewhich refers to certain criteria. Based on predetermined criteria, 23 companies will beselected as research samples from 2012 until 2016. The method of analysis used isquantitative method, with classical assumption test and panel data regression analysis.From the three tests obtained the best model is the Fixed Effect Model (FEM). The results ofthis study indicate that audit quality has a positive and insignificant effect on financialperformance as reflected on return on equity. While the proportion of independent boardof commissioners has a negative and significant impact on financial performance asreflected in return on equity

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Determinant of Indonesian Islamic Banks Liquidity Risk

Journal of Business Management Review ◽

10.47153/jbmr14.332020 ◽

2020 ◽

Vol 1 (4) ◽

pp. 281-294

Author(s):

Dwi Arfiyanti ◽

Imanda Firmantyas Putri Pertiwi

Keyword(s):

Liquidity Risk ◽

Good Health ◽

Capital Adequacy ◽

Islamic Banks ◽

Return On Assets ◽

Internal Factors ◽

Panel Data Regression ◽

Capital Adequacy Ratio ◽

Data Regression ◽

Negative Effect

An assessment of the liquidity of a bank is one way to determine whether the bank is in good health, fairly healthy, and unhealthy. This study aims to analyze the influence of the company's internal factors consisting of Return on Assets, Capital Adequacy Ratio and Bank Size on the liquidity ratio as measured by using two proxies, namely Liquid Asset to Total Asset (LATA and Financing Deposi Ratio (FDR). This study uses Islamic banks as the object of research in the 2014-2018 period. The results of data analysis using panel data regression showed that ROA and CAR had no effect on liquidity risk. Meanwhile, bank size has a significant negative effect on the liquidity ratio using LATA and FDR

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PENGARUH PELAKSANAAN KUALITAS AUDIT DAN PROPORSI DEWAN KOMISARIS INDEPENDEN TERHADAP KINERJA KEUANGAN PERUSAHAAN PROPERTY DAN REAL ESTATE DI BURSA EFEK INDONESIA

10.31227/osf.io/an3py ◽

2019 ◽

Author(s):

Ningsih

Keyword(s):

Real Estate ◽

Financial Performance ◽

Stock Prices ◽

Audit Quality ◽

Fixed Effect Model ◽

Return On Equity ◽

Effect Model ◽

Panel Data Regression ◽

Data Regression

The decline in stock prices of property and real estate firms resulted from thegovernment's policy of high loan interest has not affected the property sector and realestate. This study aims to examine the effect of Good Corporate Governanceimplementation that is the quality of auditor (KA) to financial performance andproportion of independent board of commissioner (PDKI) to company financialperformance. This research uses purposive sampling method that is sampling techniquewhich refers to certain criteria. Based on predetermined criteria, 23 companies will beselected as research samples in 2012 until 2016. The method of analysis used isquantitative method, with classical assumption test and panel data regression analysis.From the three tests obtained the best model is Fixed Effect Model (FEM). The results ofthis study indicate that audit quality has positive and insignificant effect on financialperformance as reflected on return on equity. While the proportion of independent boardof commissioners has a negative and significant impact on financial performance asreflected in return on equity.

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Determinants of capital adequacy ratio in Kuwaiti banks

Journal of Governance and Regulation ◽

10.22495/jgr_v4_i4_c2_p3 ◽

2015 ◽

Vol 4 (4) ◽

pp. 315-322 ◽

Cited By ~ 1

Author(s):

Moeidh Alajmi ◽

Khalid Alqasem

Keyword(s):

Random Effect ◽

Random Effect Model ◽

Negative Relationship ◽

Fixed Effect Model ◽

Capital Adequacy ◽

Dividend Payout ◽

Return On Equity ◽

Five Factors ◽

Effect Model ◽

Capital Adequacy Ratio

The aim of this study is to identify the effects of seven internal factors of five conventional Kuwaiti banks on capital adequacy ratio (CAR). The five factors are: Loans to Assets, Loans to Deposits, Non-Performing Loans to Total Loans, Return on Assets, Return on Equity, Dividend Payout and Total Liability to Total Assets. The study covers the period from 2005 to 2013. The study shows that under fixed effect model, variables DIVIEDEND, LAR, LDR, NPLLR, and ROE do not have any impact on capital adequacy ratio. However, SIZE has a significant and negative relationship with capital adequacy ratio. Also, ROA shows a significant and negative relationship with capital adequacy ratio. Under random effect model, results indicate that CAR is adversely affected by bank’s SIZE (total liability to assets), and ROA has a significant and negative relationship with capital adequacy ratio, However, Loan to Deposit Ratio (LDR) showed a significant and positive relationship with capital adequacy ratio. On the other hand, dividend payout, loans to assets, Non-Performing Loans to Total Loans and Return on equity do not have significant effect on CAR under random effect model.

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Financial Determinants of Qardhul Hasan Financing Growth: Evidence from Islamic Banks in Indonesia

Global Review of Islamic Economics and Business ◽

10.14421/grieb.2015.031-03 ◽

2016 ◽

Vol 3 (1) ◽

pp. 038

Author(s):

Agus Saur Utomo ◽

Novita Kusuma Maharani ◽

Danes Quirira Octavio

Keyword(s):

Random Effect ◽

Random Effect Model ◽

Fixed Effect Model ◽

Capital Adequacy ◽

Financial Ratios ◽

Return On Equity ◽

Net Interest Margin ◽

Effect Model ◽

Capital Adequacy Ratio ◽

Interest Margin

The purpose of this paper is to investigate the financial factors that determine the growth of qardhul hasan financing in the sharia banks in Indonesia. We employ financial ratios such as Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), Net Interest Margin (NIM), Operational Cost to Operational Income (BOPO), Return on Asset (ROA) and Return on Equity (ROE) to explain the growth of qardhul hasan during 2011 to 2014. This paper utilizes the fixed effect model and the random effect model to provide empirical evidences. The empirical result demonstrates that Non-Performing Financing (NPF), Net Interest Margin (NIM), Return on Asset (ROA) and BOPO have significance relationship to the qardhul hasan financing. The finding shows that the growth of qardhul hasan financing in sharia banks is influenced by financial ratios of NIM, NPF, BOPO and ROA. This finding adds important evidence to the existing research on qardhul hasan financing in sharia banks.

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What Determines the Financial Performance of Islamic Banks in Indonesia?

Journal of Islamic Economics and Finance ◽

10.22373/share.v10i2.9164 ◽

2021 ◽

Vol 10 (2) ◽

pp. 195

Author(s):

Early Ridho Kismawadi ◽

Abdul Hamid ◽

Rasydah Rasydah ◽

Aigatama Rafida

Keyword(s):

Financial Performance ◽

Random Effect ◽

Random Effect Model ◽

T Test ◽

Capital Adequacy ◽

Islamic Banks ◽

F Test ◽

Effect Model ◽

Panel Data Regression ◽

Capital Adequacy Ratio

This study aims to determine the effect of the Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), and Operational Efficiency Ratio (OER) at Islamic Commercial Banks in Indonesia for the 2010-2019 period. The test was carried out using panel data regression with the Random Effect Model (REM) model, tested using the t-test and f test with a significance of 5%. Based on the results of the t-test, partially, OER has a negative and significant effect on Return on Assets (ROA), whilst NPF and CAR do not significantly affect ROA. Moreover, the results of the F-test show that CAR, NPF, and OER simultaneously affect ROA. The results of this study indicate that to maximize the financial performance of Islamic banking in Indonesia, the Islamic banks must pay attention to the OER variable.==========================================================================================================ABSTRACT - Determinan Apa yang Mempengaruhi Kinerja Keuangan Bank Syariah di Indonesia? Penelitian ini bertujuan untuk menganalisis pengaruh Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), dan Beban Operasional terhadap Pendapatan Operasional (BOPO) pada Bank Umum Syariah di Indonesia periode 2010-2019. Pengujian dilakukan menggunakan regresi data panel dengan model Random Effect Model (REM) yang pengujiannya menggunakan uji t dan uji f dengan signifikansi yaitu 5%. Berdasarkan hasil uji t, secara parsial BOPO berpengaruh negatif dan signifikan terhadap Return on Asset (ROA), sedangkan variabel NPF dan CAR tidak memiliki pengaruh yang signifikan terhadap ROA. Selanjutnya, hasil uji F menunjukkan bahwa CAR, NPF, dan BOPO secara simultan berpengaruh terhadap ROA. Hasil penelitian ini memberikan rekomendasi kepada Bank Syariah di Indonesia agar memberikan perhatian yang lebih serius terhadap variabel BOPO jika ingin memaksimalkan kinerja keuangannya..

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Pengaruh Faktor Internal dan Faktor Eksternal terhadap Perataan Laba Bank Umum Syariah Indonesia Periode 2014-2018

Journal of Applied Islamic Economics and Finance ◽

10.35313/jaief.v1i2.2482 ◽

2021 ◽

Vol 1 (2) ◽

pp. 511-523

Author(s):

Setiawati Indah Gempita ◽

Leni Nur Pratiwi ◽

Lili Masli

Keyword(s):

Commercial Banks ◽

Audit Committee ◽

Secondary Data ◽

Income Smoothing ◽

Capital Adequacy ◽

Good Corporate Governance ◽

Panel Data Regression ◽

Capital Adequacy Ratio ◽

Data Regression ◽

Internal And External Factors

This study aims to see the effect of Total Financing (TF), Non Performing Financing (NPF), Earnings Before Taxes and Provision (EBTP), Good Corporate Governance (GCG) proxied by the Audit Committee, Capital Adequacy Ratio (CAR), BI rate. and Inflation on Income Smoothing at Islamic Commercial Banks (BUS) for the period 2014-2018. This research is a quantitative study, the selection was by purposive sampling method. The data used are secondary data. The data analysis method uses panel data regression analysis using the Eviews10 program tool. The data population in this study were 12 Islamic commercial banks in Indonesia which will be sampled in the study. The results of this study indicate that simultaneously internal and external factors have a significant effect on income smoothing. Partially the NPF, EBTP, GCG, CAR variables have a significant effect on income smoothing, while TF, BI rate and the inflation rate do not have a significant effect on income smoothing.

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