Efisiensi dan Kinerja Perbankan Syariah di Indonesia

2019 ◽  
Vol 2 (2) ◽  
pp. 114-123
Author(s):  
Multazam Mansyur Addury
Keyword(s):  
Market Share ◽  
Commercial Banks ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Moderator Variable ◽  
Panel Data Regression ◽  
Analysis Technique ◽  
Data Regression ◽  
Efficiency Performance ◽  
The Relationship

Abstract - This study aims to analyze the effect of efficiency on the performance of Islamic banking by using market share as a moderator variable. The data  which are used in this study are 7 Sharia Commercial Banks in the annual form from the period of 2014 to 2018. The data analysis technique uses is the analysis of panel data regression. The results of this research prove that, first, the efficiency of Islamic banking has a significant influence on the performance of Islamic banking. Second, the market share of Islamic banks has no significant impact in moderating the relationship between the efficiency and the performance of Islamic banks. Keywords: Efficiency, Performance, Market Share, Islamic Banks

scholarly journals ANALISIS PENGARUH HARGA EMAS, MARGIN, INFLASI DAN KURS DOLLAR TERHADAP PEMBIAYAAN MURABAHAH EMAS DI PERBANKAN SYARIAH INDONESIA PERIODE APRIL 2015-AGUSTUS 2019

2020 ◽  
Vol 7 (3) ◽  
pp. 610
Author(s):  
Ilyas Chaidir Rahmansyah ◽  
Lina Nugraha Rani
Keyword(s):  
Financial Services ◽  
Commercial Banks ◽  
Secondary Data ◽  
Sampling Technique ◽  
Islamic Banking ◽  
Independent Variables ◽  
Panel Data Regression ◽  
Analysis Technique ◽  
Data Regression ◽  
The Relationship

This research employed a quantitative approach to investigate the relationship between dependent and independent variables and to test the hypotheses. The data utilized in this research were secondary data from the official website of Bank Indonesia (BI), the Financial Services Authority (OJK), the Central Statistics Agency (BPS), gold price providers in Indonesia, and monthly BUS & UUS bank statements in Indonesia. The population in this study consisted of 14 BUS and 20 UUS which registered on the Financial Services Authority. This research used a sampling technique using predetermined criteria so that a sample of 4 BUS and 1 UUS were obtained from April 2015 to August 2019. Moreover, the analysis technique employed in this research was panel data regression with EViews 9 statistical tools. The results of this research describe that the price of gold, inflation and the exchange rate of the dollar do not have a significant impact on the financing of Murabahah Gold, but margin have a significant impact and negative correlated with Murabahah Gold in Islamic banking in Indonesia, especially among Islamic Commercial Banks and Sharia Business Units.Keywords: Gold Prices, Inflation, Dollar Exchange, Murabahah Gold, Islamic Banking

scholarly journals Determinan Market Share Perbankan Syariah di Indonesia

2021 ◽  
Vol 10 (2) ◽  
pp. 199-204
Author(s):  
Eliana Eliana ◽  
Nazri Zarman ◽  
Ismuadi Ismuadi ◽  
Intan Novia Astuti ◽  
Ayumiati Ayumiati
Keyword(s):  
Linear Regression ◽  
Multiple Linear Regression ◽  
Market Share ◽  
Commercial Banks ◽  
Islamic Banking ◽  
Company Performance ◽  
Analysis Technique ◽  
Relationship Of ◽  
The Relationship

Sharia banking is currently very popular with the Indonesian people, so to prepare for this increasingly selective business competition, Islamic Commercial Banks are required to improve their company performance so that investors are attracted to invest. This study aims to determine the effect of BOPO, ROA, NPF, and DPK on the market share of Islamic banking in Indonesia. The samples used were BUS and UUS with 52 data. Multiple linear regression is used as an analysis technique to produce a detailed description of the relationship of each variable used. The regression results tell that BOPO and DPK have no significant effect on market share, while ROA and NPF have a positive and significant effect on market share in Islamic banking in Indonesia.

scholarly journals Implementation of Good Governance Business Sharia (GGBS) and Its Implications for Sharia Conformity and Profitability (SCnP) Financial Performance in Sharia Commercial Banks in Indonesia

2020 ◽  
Vol 1 (1) ◽  
pp. 1-10
Author(s):  
Nindi Apriani ◽  
Kusnendi Kusnendi ◽  
Firmansyah Firmansyah
Keyword(s):  
Financial Performance ◽  
Commercial Banks ◽  
Good Governance ◽  
Islamic Banks ◽  
Panel Data Regression ◽  
Analysis Technique ◽  
Data Regression ◽  
Negative Effect ◽  
High Level ◽  
A Company

Abstract.     Financial performance is an analysis carried out to see the extent to which a company carries out the rules of implementing finances properly and correctly. The measurement of the financial performance of Islamic banks mostly still uses conventional measurement indicators namely profitability. This is considered less relevant, because the measurement of the performance of Islamic banks should be measured based on the suitability of sharia. Sharia Conformity and Profitability is a tool that measures the integrity of a bank, but still does not ignore the conventional side because the purpose of Islamic banks is to seek profit. This study aims to analyze the influence of Good Governance Business Sharia on Sharia Conformity and Profitability of Islamic Commercial Banks in Indonesia. The population in this study used all Islamic Commercial Banks (BUS) in Indonesia. The sample used was eleven Sharia Commercial Banks in Indonesia in 2012-2016. The method in this study uses explanatory research methods. The data analysis technique used is panel data regression. The results showed that the level of implementation of Good Governance Business Sharia was good enough and tended to increase. The Sharia Conformity and Profitability level of Islamic Commercial Banks in Indonesia has a high level of performance which means that the average performance is above on average. The implementation of Good Governance Business Sharia (GGBS) has a positive effect on Sharia Conformity but has a negative effect on Profitability. The results have important implications for Islamic Commercial Banks and regulator regarding Good Governance Business Sharia that should be modified as it aligns with sharia conformity but does not have impact on profitability. Keywords.    Financial performance, Sharia Conformity and Profitability, Good Governance Business Sharia.

Islamic banks’ fee income, characteristics and risk: Panel data analysis evidence from Indonesia

2018 ◽  
Vol 6 (1) ◽  
pp. 6 ◽  
Author(s):  
Siti Sarah Mat Isa ◽  
Masturah Ma’in ◽  
Azlina Hanif
Keyword(s):  
Regression Analysis ◽  
Panel Data ◽  
Panel Data Analysis ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Operating Income ◽  
Panel Data Regression ◽  
Data Regression ◽  
The Us ◽  
The Relationship

One of the non-operating income in Islamic banking operation, which is fee income has become progressively vital in expanding their income to counter decreasing net earnings due to rivalry from other financial competitors. However, it is important for Islamic banks to find out any potential risk that will distress their performance due to this activity. This is because, mixed results on this issue derived from the previous studies especially in the Western context such as in the US, Germany and other European countries. Using Indonesian Islamic bank’s quarter data between 2009 and 2013, this study adopts the panel data regression analysis to examine the relationship between Indonesian Islamic banks fee income and risk. The empirical results signified that fee income activities able to reduce Indonesian Islamic bank’s risk.  

scholarly journals Analisis Pengaruh Struktur Pasar dan Perilaku Pasar Terhadap Kinerja Pasar Pada Bank Umum Syariah di Indonesia dan Malaysia Tahun 2011-2015

2017 ◽  
Vol 4 (5) ◽  
pp. 367
Author(s):  
Rachma Revida ◽  
Dina Fitrisia Septiarini
Keyword(s):  
Panel Data ◽  
Market Share ◽  
Concentration Ratio ◽  
Market Concentration ◽  
Islamic Banks ◽  
Panel Data Regression ◽  
Analysis Technique ◽  
Data Regression ◽  
And Performance

The aim of this study was to analyze the influence of market concentration, market share, and OEOR on profitability in Islamic Banks in Indonesia and Malaysia in 2011 – 2015 using the paradigm of structure, conduct, and performance. The samples of the study consisted of a total 11 Islamic banks in Indonesia and 16 Islamic banks in Malaysia. The analysis technique use in this study was panel data regression using Eviews 7.0 programme. The independence variables of the study were market concentration ratio Herfindahl-Hirchman index), market share, and OEOR, while the dependent variable was the return of asset (ROA). The results of this study indicate that market concentration and market share variables not significantly affect the ROA of Islamic banks in Indonesia and Malaysia, while the OEOR variable has significant effect to the ROA of Islamic banks in Indonesia and Malaysia.

Pengaruh Kualitas Pengungkapan Good Corporate Governance, Leverage dan Firm Size terhadap Profitabilitas pada Bank Umum Syariah di Indonesia dan Malaysia

MBIA ◽  
2019 ◽  
Vol 18 (1) ◽  
pp. 94-110
Author(s):  
Enni Harisa ◽  
Mohamad Adam ◽  
Inten Meutia
Keyword(s):  
Corporate Governance ◽  
Firm Size ◽  
Commercial Banks ◽  
Total Sample ◽  
Islamic Banking ◽  
Good Corporate Governance ◽  
Panel Data Regression ◽  
Analysis Technique ◽  
Data Regression

The objective of this study was to determine the effect of the quality of good corporate governance disclosure, leverage, and firm size on profitability of Islamic commercial banks in Indonesia and Malaysia. The data was obtained from the websites of each bank in the period 2011-2017 with a total sample of 16 Islamic commercial banks in Indonesia and Malaysia. The data analysis technique used in this study was panel data regression analysis. Based on the results of analysis and testing that examined the effect of Quality of Good Corporate Governance (GCG) Disclosure, Leverage, and Firm Size on Profitability on Islamic Commercial Banks in Indonesia and Malaysia registered in each WEB of Islamic banking in the 2011-2017 observation period. Then the empirical results were obtained as follows: The quality of disclosure of GCG did not affect the profitability of Islamic commercial bank inIndonesia and Malaysia, it was because companies find it difficult to understand and feel only to burden the company's finances and think that disclosure was not profitable for the company. Leverage did not affect profitability because the Islamic commercial banks in  Indonesia and Malaysia had a mean (average) of leverage value for the period 2011-2017 of 7.36%, which means it is still a small category where the maximum leverage value is 150% and for finance companies is 600% . So that the leverage variables of each Indonesian and Malaysian Islamic banking had no effect on profitability. Meanwhile, firm size had an effect on the profitability of Indonesian and Malaysian Islamic banking, because the greater the company's assets could increase the value of profitability.

scholarly journals Ukuran Perusahaan sebagai Pemoderasi dalam Hubungan Profitabilitas dan Likuiditas terhadap Struktur Modal Bank Umum Syariah

2020 ◽  
Vol 4 (2) ◽  
pp. 136
Author(s):  
Fauziah Nur Hutauruk
Keyword(s):  
Capital Structure ◽  
Firm Size ◽  
Financial Services ◽  
Commercial Banks ◽  
Purposive Sampling ◽  
Pooled Data ◽  
Panel Data Regression ◽  
Analysis Technique ◽  
Data Regression ◽  
The Relationship

<p><em>The research aims to </em><em>examine</em><em> the effect of profitability and liquidity on capital structure of Islamic Commercial Banks with the firm size as a moderati</em><em>on </em><em>variable. The population of this research is Islamic Commercial Banks</em><em>, which was </em><em>registered </em><em>in</em><em> the Financial Services Authority (OJK) in period 2015-2018. </em><em>Sample of research was a purposive sampling covering eights units of Islamic Commercial Banks in Indonesia</em><em>. The data analysis technique used was the panel data regression method (pooled data) and processing by using Eviews10 software. The result of the analysis showed that Profitability (ROE) and Liquidity (FDR) did not affect the capital structure (CAR) simultaneously. Then </em><em>firm</em><em> size proved unable to moderate the relationship between profitability (ROE) on capital structure. On the other hand, the firm size was able to moderate the relationship between liquidity (FDR) and capital structure in Islamic commercial banks. This study has confirmed the previous findings that did not elaborate in detail the relationship.</em></p><p><em><span id="docs-internal-guid-5f013ba9-7fff-1f58-b5a6-09c758f17299"><span>Penelitian ini bertujuan untuk mengetahui peranan profitabilitas dan likuiditas terhadap struktur modal dengan ukuran perusahaan sebagai variabel moderasi. Populasi penelitian ini adalah bank umum syariah yang terdaftar pada otoritas jasa keuangan (OJK) periode tahun 2015-2018. Sampel penelitian diambil dengan cara </span><span>purposive sampling</span><span>, sehingga diperoleh sampel 8 BUS yang ada di Indonesia. Teknik analisis data yang digunakan adalah metode regresi data panel (</span><span>pooled data</span><span>) yang merupakan gabungan dari data </span><span>cross section </span><span>dan data </span><span>time series </span><span>dengan menggunakan </span><span>Software Eviews 10</span><span>. Hasil analisis menunjukkan Profitabilitas (ROE) dan Likuiditas (FDR) secara parsial tidak memiliki pengaruh terhadap struktur modal (CAR). Kemudian ukuran perusahaan terbukti tidak mampu memoderasi hubungan antara profitabilitas (ROE) terhadap struktur modal, namun sebaliknya ukuran perusahaan mampu sebagai pemoderasi hubungan antara Likuiditas (FDR) terhadap struktur modal pada bank umum syariah. Studi ini mempertegas temuan terdahulu yang tidak mengelaborasi dengan detail terkait hubungan tersebut.</span></span></em></p>

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.

scholarly journals The Impact of The Sustainability Report on The Performance of Maqashid Sharia Islamic Commercial Banks in Indonesia

2020 ◽  
Vol 3 (3) ◽  
pp. 96-103
Author(s):  
Arini Arini ◽  
Satia Nur Maharani ◽  
Dodik Juliardi
Keyword(s):  
Commercial Banks ◽  
Islamic Banks ◽  
Standard Score ◽  
Panel Data Regression ◽  
Data Regression ◽  
Negative Effect ◽  
Perspective Model ◽  
The Impact ◽  
Education Justice ◽  
Sustainability Report

This study examines the effect of sustainability reports on the performance of maqashid sharia in Islamic banks. The sample of this research is Islamic commercial banks in Indonesia for the period 2014-2018. The sustainability report is measured by the standard score of the GRI 4 sustainability report and the performance of Islamic banks is measured using maqashid sharia with 3 perspectives, namely education, justice and welfare. The method used is panel data regression with 3 research models. The results of the analysis of model 1 show that the sustainability report has a significant negative effect on the performance of maqashid sharia from an education perspective. In model 2, the results show that the sustainability report does not have a significant effect on the performance of maqashid syariah justice perspective. Model 3 shows the results that the sustainability report does not have a significant effect on the performance of maqashid syariah from the welfare perspective.

scholarly journals A META-ANALYSIS OF THE DETERMINANT OF THIRD PARTY FUND ON ISLAMIC BANKING IN INDONESIA

2020 ◽  
Vol 6 (2) ◽  
pp. 175
Author(s):  
Diyas Indiastary ◽  
Noven Suprayogi ◽  
Imam Wahyudi Indrawan
Keyword(s):  
Interest Rate ◽  
Time Variation ◽  
Meta Analysis ◽  
Third Party ◽  
Google Scholar ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Analysis Technique ◽  
Equivalent Rate ◽  
The Relationship

This research attempts to study the determinants of third party funds on the Islamic banking in Indonesia with eight years of research from published journals in Indonesia. To reach the above objectives, investigation to check the relationship between promotion cost, inflation, GDP, interest rate, number of offices, and equivalent rate to third party funds on the Islamic banking in Indonesia is conducted. This research applies the meta-analysis technique to a sample of 34 articles with time variation from 2010-2018. The articles used are selected studies from Sinta Journal and Google Scholar databases. This research shows that promotion cost, number of offices, and equivalent rate have a significant correlation with third party funds on the Islamic banking in Indonesia. Meanwhile, inflation, GDP, and interest rate have no significant correlation with third party funds on the Islamic banking in Indonesia. The Findings from this study imply that if Islamic banks in Indonesia wish to enhance their third party fund, they must focus on internal indicators (promotion cost, number of offices, and equivalent rate), rather than looking at macro indicators.

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