scholarly journals AKTOR-FAKTOR YANG MEMPENGARUHI JUMLAH DEPOSITO MUDHARABAH BANK SYARIAH DI INDONESIA (Periode Tahun 2013-2016)

2019 ◽  
Vol 5 (3) ◽  
pp. 216
Author(s):  
Rosi Astrika Agustina ◽  
Dina Fitrisia Septiarini
Keyword(s):  
Revenue Sharing ◽  
Profit Sharing ◽  
Regression Result ◽  
Islamic Banks ◽  
Financial Report ◽  
Quarterly Data ◽  
Panel Data Regression ◽  
Variable Level ◽  
Data Regression ◽  
Independent Variable

The aim of the study was to determine influence inflation, profit sharing level and corporation size to mudharabah deposit amount of Islamic banks in Indonesia year of period 2013-2016. This study used quantitative approach. The data used for this study are quarterly data gathered from per quarterly financial report of Islamic banks in Indonesia period 2013- 2016. Dependent variable in the study is profit sharing level and corporation size, then independent variable are inflation. This research used analisys technical panel data regression. The regression result of this study indicate that variable that the inflation and the size of the company a significant effect on the mudharabah deposit amount. While, variable that the variable level revenue sharing significant effect on the amount of mudharabah deposit Islamic bank in Indonesia

scholarly journals ANALYZE THE EFFECT OF THIRD PARTY FUND (TPF), NON-PERFORMING FINANCING (NPF), FINANCING TO DEPOSIT RATIO (FDR) AND PROFIT MARGIN ON MURABAHAH FINANCING OF SHARIA COMMERCIAL BANK

2019 ◽  
Vol 4 (1) ◽  
pp. 17
Author(s):  
PUTRI SAULA HASNADINA ◽  
ADE SOFYAN MULAZID
Keyword(s):  
Commercial Banks ◽  
T Test ◽  
Profit Margin ◽  
Third Party ◽  
F Test ◽  
Financial Report ◽  
Panel Data Regression ◽  
Analysis Technique ◽  
Data Regression ◽  
Independent Variable

The purpose of this study is to analyze the effect of each variable, Deposits of Third Party Fund (TPF) (X1), Non-Performing Financing (NPF) (X2), Financing to Deposit Ratio (FDR) (X3) and Profit Margin (X4) on Murabahah Financing (Y1). The population of this study was conducted on eleven Sharia Commercial Banks in Indonesia, namely Bank Muamalat, Bank Victoria Syariah, Bank BRI Syariah, Bank BNI Syariah, Bank Syariah Mandiri, Bank Syariah Mega Indonesia, Bank Panin Syariah, Bank Syariah Bukopin, Bank BCA Syariah and Bank Maybank Syariah Indonesia. The sample taken was the annual financial report for five periods, namely 2011-2015 periods. The analysis technique used panel data regression analysis was tested by F-test and T-test, with a significant value of 5%. Based on the results of the T-test and F-test, it can be known that TPF, FDR and Profit Margin simultaneously have a significant positive effect and the NPF partially have no effect of murabahah financing on Sharia Commercial Banks. Adjusted R Square value of 0.275352 indicates that the independent variable could give effect the dependent variable of 0.000429%.

scholarly journals PENGUIN TINGKAT BAGI HASIL DAN UKURAN BANK TERHADAP JUMLAH SIMPANAN DEPOSITOMUDHARABAH PADA BANK UMUMSYARIAH DI INDONESIA

JEMBATAN ◽  
2018 ◽  
Vol 14 (1) ◽  
pp. 45-56
Author(s):  
Heni Suryaningsih ◽  
Marlina Widiyanti ◽  
Taufik Taufik
Keyword(s):  
Data Analysis ◽  
Investment Decision ◽  
Revenue Sharing ◽  
Profit Sharing ◽  
Islamic Banks ◽  
Analysis Method ◽  
Variable Size ◽  
Bank Deposits ◽  
Savings Bank ◽  
Variable Level

This study aimed to determine the effect of Profit Sharing Rate and The Size of the Bank together and partially to the Mudharabah Total Deposits in Islamic Bank in Indonesia period of 2013-2015. The Object of this study is Islamic Banks in Indonesia. The variables used in this study is Profit Sharing Rate and The Size of the Bank together and Mudharabah Total Deposits. Data analysis method used is Multiple Linear Regression. The results showed that the variable level of revenue sharing and the size of the bank jointly significant effect on the amount of savings deposits mudharabah. While predominantly known to the variable size of the bank which significantly affect the amount of savings deposits mudharabah. Implications of the study is that if the bank size increases, the greater the amount of savings bank deposits mudharabah obtained, so that the size of the banks may be determinant variables an investor in making an investment decision. Keywords : Profit Sharing Rate, The Size of Bank, and Mudharabah Deposits.

scholarly journals Implikasi Teori Percampuran Akad Mudharabah Dan Musyarakah Terhadap Perbankan Syariah (Studi Kasus Bank Syariah Mandiri KCP Sumenep)

2020 ◽  
Vol 3 (1) ◽  
pp. 53-63
Author(s):  
Ahmad Shibghatullah Mujaddidi
Keyword(s):  
Financial Engineering ◽  
Revenue Sharing ◽  
Profit Sharing ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Financial Report ◽  
The Public ◽  
Islamic Financial Institutions ◽  
Descriptive Approach ◽  
Branch Office

  This paper aims at describing the implications of the theory of mixing and its products towards Islamic banking and Islamic financial institutions. A qualitative research methods with a descriptive approach was implemented in this study. The object of the current study was Sub-Branch Office (KCP) of the Syariah Mandiri Bank in Sumenep Regency. The results of this study indicated that the products of the Syariah Mandiri Bank KCP Sumenep in terms of the Musharaka financing contract consists of Musharaka mutanaqishah and musharaka of network capital. Musharaka mutanaqisha is applied in home financing in which the profits are obtained from the margin agreed by all parties. While, the musharaka of network capital uses a profit sharing system in which the profits are calculated through a revenue sharing system. In terms of juridical law, the Syariah Mandiri bank KCP Sumenep has followed the rules stated in the Sharia banking law of 2008 as well as in the fatwa of the National Sharia Board. Whereas, in the case of the application of musharaka accounting that has been regulated in International Financial Report Standard (PSAK), Sharia Mandiri Bank KCP Sumenep has accordingly applied the contract accounting of musharaka as regulated in PSAK 106. However, in terms of account recording (estimation), Islamic banks have not obeyed the rules stated in PSAK 106. Furthermore, this study concludes that there are still many customers who do not understand the contract of mudharabah at Syariah Mandiri Bank KCP Sumenep. It due to the lack of socialization from the banks to the public. In juridical perspective, the Sharia Mandiri Bank KCP Sumenep do not implements mudharabah contract based on fatwa of the National Sharia Board and do not apply the accounting based on PSAK 105. Therefore, it is categorized as Islamic/ sharia financial engineering.

scholarly journals The Determinants of Islamic Banks’ Stock Prices: Evidence from the GCC Countries

2020 ◽  
Vol 6 (3) ◽  
pp. 535
Author(s):  
Muhammad Muhajir Aminy ◽  
Ahmad Sauqi
Keyword(s):  
Stock Prices ◽  
Secondary Data ◽  
Gulf Cooperation Council ◽  
Islamic Banks ◽  
Financial Report ◽  
Financial Condition ◽  
Gcc Countries ◽  
Middle East Countries ◽  
Panel Data Regression ◽  
Data Regression

Islamic banks’ stock is a new interesting material to be discussed among Islamic economics scholars. The majority of Islamic banks’ stocks presents in the middle-east countries, especially those which are joining as the Gulf Cooperation Council (GCC) countries. Samples in this study were 10 Islamic banks in the Gulf Cooperation Council (GCC) countries with secondary data from their financial report. A panel data regression analysis was employed to seek the influence of all observed variables (ROA, ROE, and ICSR (zakat)) as the determinant factors toward Islamic banks’ stock prices. The study found that all the independent variables simultaneously have an impact on Islamic banks’ stock prices in that area. The study also found that the variable of ROA has a negative significant impact, the variable of ROE has a positive significant impact, and ICSR (zakat) has an insignificant impact on Islamic banks’ stock prices in the GCC countries. This study suggested all Islamic banks globally to consider investors’ sentiment on Islamic banks’ financial condition before entering the Islamic capital market

scholarly journals The Moderating Effect of Shariah Governance on Financial and Maqasid Shariah Performance: Evidence from Islamic Banks in Indonesia

2019 ◽  
pp. 264-274
Keyword(s):  
Financial Performance ◽  
Audit Committee ◽  
Supervisory Board ◽  
Secondary Data ◽  
Islamic Banks ◽  
Financial Report ◽  
Panel Data Regression ◽  
Data Regression ◽  
Shariah Governance ◽  
Positive Effect

The aim of this research is to assess the effect of financial performance to Maqasid Shariah performance with shariah governance as a moderating variable. Financial performance can be measured based on three criteria: firm size (FS), return on asset (ROA) and asset structure, while Maqasid Shariah performance is measured by zakat, infaq, shadaqoh and awqaf (ZISWAF) and qordhul hasan (QH). Shariah governance (SG) is measured by the proportion of independent board of commissioners’ members, board size, audit committee, and shariah supervisory board. The data in this study are the secondary data from Islamic Banking Financial Report (IBFR) of 2012-2016. This research employed a quantitative approach with panel data regression using E-views 9.0 software. The method for the data analysis used factor analysis. The results show that the effects of FS and ROA on Maqasid Shariah performance are significant, and the implementation of shariah governance is generally proven to play a significant role in moderating the effect of FS and ROA on Maqasid Shariah performance. The better the implementation of SG, the stronger the predictability of Maqasid Shariah, and shariah governance has a positive effect on Maqasid Shariah.

scholarly journals DEPOSITO MUDHARABAH, NPF, DAN TINGKAT BAGI HASIL TERHADAP PEMBIAYAAN BAGI HASIL PADA BUS DAN UUS DI INDONESIA TAHUN 2011-2016

2019 ◽  
Vol 5 (3) ◽  
pp. 231
Author(s):  
Inan Nati Ismah ◽  
Atina Shofawati
Keyword(s):  
Significant Influence ◽  
Financial Services ◽  
Quantitative Research ◽  
Secondary Data ◽  
Profit Sharing ◽  
Regression Result ◽  
Islamic Banks ◽  
Business Unit ◽  
Monthly Report ◽  
Independent Variable

The aim of the study was to determine the influence Mudharabah Deposit, NonPerforming Financing and Profit Sharing Level to Financing Based on Profit Sharing by Islamic Banks and Sharia Business Unit. This study used quantitative research, with purposive sampling. The data used for this study are secondary data gathered from Sharia Indonesia Banking Statistic on Financial Services Authority Website which is monthly report started from January 2011 till August 2016. Dependent variable in the study is financing based on profit sharing (Musyarakah and Mudharabah), then independent variable are MudharabahDeposit, Non Performing Financing, and Profit Sharing Level. This reserach used analysis technical multiple linear regression. The regression result of this study indicate that mudharabah deposit variable, non performing financing and profit sharing level simultaneously have significant influence to financing based on profit sharing. Meanwhile non performing financing partially has significant influence to financing based on profit sharing

scholarly journals Faktor yang Memengaruhi Pendapatan Margin Murabahah pada Bank Umum Syariah dan Unit Usaha Syariah

2021 ◽  
Vol 1 (2) ◽  
pp. 398-411
Author(s):  
Adi Yulianto ◽  
Ade Ali Nurdin ◽  
Ine Mayasari
Keyword(s):  
Secondary Data ◽  
Profit Sharing ◽  
Third Party ◽  
Islamic Banks ◽  
Profit Margins ◽  
Business Units ◽  
Panel Data Regression ◽  
Data Regression ◽  
Dominant Influence

Murabahah contracts that become the most popular at Islamic banks are an important thing to study. Especially the determination of profit margins that do not have clear rules therefore things that can enlarge and reduce murabahah margin income are interesting to study. This study aims to determine the factors that can determine the murabahah margin income, as well as to find out the variables that predominantly influence the murabahah margin income. The objects used in this study are Sharia Commercial Banks and Sharia Business Units in Indonesia. The period used starts from 2014 untul 2018. The data used is secondary data then the data is processed using panel data regression method. The results show overhead costs, profit sharing of third party funds, volume of murabahah financing, and deposit rates have an influence on murabahah profit margins and inflation has no effect on murabahah profit margins. The volume of murabahah financing is a factor that has a dominant influence on murabahah profit margins.

scholarly journals Analisis Pengaruh Islamicity Performance Index terhadap Profitabilitas Bank Umum Syariah di Indonesia Tahun 2014 – 2018

2020 ◽  
Vol 1 (1) ◽  
pp. 85-96
Author(s):  
Nadiya Zahra Rahmatullah ◽  
Fifi Afiyanti Tripuspitorini
Keyword(s):  
Panel Data ◽  
Performance Index ◽  
Commercial Banks ◽  
Sample Selection ◽  
Profit Sharing ◽  
Selection Method ◽  
Islamic Banks ◽  
Financial Reports ◽  
Panel Data Regression ◽  
Data Regression

Sharia banking performance needs to be measured with an approach that is by sharia objectives in addition to using conventional approaches. An kalternative kto kthis kapproach kis kto kuse kthe Islamicity Performance Index. This study was conducted to pobtain pempirical pevidence pabout pthe peffect pof pIslamicity pPerformance pIndex pcomponents pon pthe pprofitability pof pIslamic pcommercial pbanks pin pIndonesia pwhich pis pproxied pby pReturn pon pAssets p(ROA). This research was conducted using seven samples of Islamic banks in Indonesia using the 2014-2018 quarterly financial reports. The sample selection method uses purposive sampling. The kdata kused kin kthis kstudy kare ksecondary kdata kobtained kfrom keach kIslamic kbank's kwebsite. The method used in this research is panel data regression using the eviews 10 application program. The results of this research indicate that simultaneously the selected component of the Islamicity Performance Index has a significant effect on the profitability of Islamic Commercial Banks in Indonesia. Partially, the profit sharing ratio and zakat performing ratio have no significant effect on the profitability of Islamic Commercial Banks in Indonesia. Meanwhile, the bequitable bdistribution bratio bhas ba bsignificant bpositive beffect bon bthe bprofitability bof bIslamic bCommercial bBanks bin bIndonesia.

scholarly journals Tingkat Bagi Hasil, Pertumbuhan Likuiditas, dan Produk Domestik Bruto Terhadap Simpanan Mudharabah

2017 ◽  
Vol 1 (1) ◽  
pp. 15-25
Author(s):  
Ismayana Marhamah
Keyword(s):  
Gross Domestic Product ◽  
Hypothesis Testing ◽  
Hypothesis Test ◽  
Profit Sharing ◽  
T Test ◽  
Domestic Product ◽  
Gdp Growth ◽  
Islamic Banks ◽  
Independent Variable ◽  
Test Result

This study aims to determine the effect of profit sharing growth, liquidity growth, gross domestic product (GDP) growth, of mudharabah saving growth in general islamic banks. The variables studied are the influence of profit sharing rate, liquidity growth, gross domestic product (GDP) growth as independent variable and mudharabah saving growth as dependent variable. The population in this study are sharia islamic banks registered in Bank Indonesia (BI) and the amount of gross domestic productquarter-year period 2012-2016.The result of hypothesis testing (t test) shows that the profit sharing growth and gross domestic product partially has significant effect to mudharabah saving growth. Then the test result of liquidity growth partially has no effect and not significant to mudharabah saving growth. The results of simultaneous hypothesis test (test F), show that all independent variabels in this study has significant effect to mudharabah saving growth.

scholarly journals Analisis Profitabilitas Perbankan Syariah di Indonesia sebagai Dampak Dari Efisiensi Operasional

2017 ◽  
Vol 1 (2) ◽  
Author(s):  
Nur Zulfah Hijriyani ◽  
Setiawan Setiawan
Keyword(s):  
Financial Services ◽  
Secondary Data ◽  
Sampling Technique ◽  
Operational Efficiency ◽  
Islamic Banks ◽  
Return On Assets ◽  
Panel Data Regression ◽  
Analysis Technique ◽  
Data Regression ◽  
Negative Effect

AbstractThe purpose of this study are to measure and analyze operational efficiency that showed by bank financial ratios consisting of Operating Expenses to Operating Revenues (BOPO), Allowance for Possible Losses on Earning Assets (PPAP), Non Performing Financing (NPF) and Financing to Deposits Ratio (FDR) to Profitability that measured by Return on Assets (ROA). The population in this research is 11 Islamic Banking (BUS) by using total sampling technique in determine the sample. The data used in this study is secondary data obtained from the annual report of the bank period 2010 to 2016 published by each bank and matched with the data also by the Financial Services Authority (OJK). The analysis technique used is panel data regression analysis. Based on the result of F-test in this research, it can be concluded that the independent variables (operational efficiency) have a significant effect on the dependent variable (profitability). Meanwhile, the t-test shows that BOPO ratio has a significant negative effect on profitability. For the other three ratios, PPAP, NPF and FDR have no significant effect on profitability of Islamic Banks (BUS).Keywords: Islamic banks; Operational efficiency; Profitability. AbstrakPenelitian ini bertujuan untuk mengukur dan menganalisis pengaruh efisiensi operasionalyang diproksikan dengan rasio keuangan bank yang terdiri dari rasio Biaya Operasionalterhadap Pendapatan Operasional (BOPO), Penyisihan Penghapusan Aktiva Produktif(PPAP), Non Performing Financing (NPF) dan Financing Deposit Ratio (FDR) terhadapprofitabilitas yang diukur dengan Return on Asset (ROA). Populasi dalam penelitian ini adalah 11Bank Umum Syariah (BUS) dengan penggunaan teknik total sampling dalam penentuansampelnya. Data yang digunakan dalam penelitian ini adalah data sekunder yang diperolehdari laporan tahunan bank periode 2010 hingga 2016 yang dipublikasikan oleh masing-masing bank dan dicocokkan dengan data yang juga dipublikasikan oleh Otoritas JasaKeuangan (OJK). Teknik analisis yang digunakan adalah analisis regresi data panel. Berdasarkan hasil uji-F pada penelitian ini, dapat disimpulkan bahwa variabel independen (efisiensi operasional) berpengaruh signifikan terhadap variabel dependen (profitabilitas). Sementara itu, hasil uji-t menunjukkan bahwa rasio BOPO berpengaruh negatif signifikanterhadap profitabilitas. Untuk tiga rasio lainnya yaitu PPAP, NPF dan FDR tidak memilikipengaruh signifikan terhadap profitabilitas Bank Umum Syariah (BUS).Kata Kunci: Bank syariah; Efisiensi operasional; Profitabilitas.

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