scholarly journals Analisis Pengaruh Pembiayaan Murabahah, Tingkat Bagi Hasil Dan Suku Bunga Acuan BI Terhadap Volume Pembiayaan Mudharabah Perbankan Syariah Di Indonesia (Periode 2016-2018)

2019 ◽  
Vol 2 (2) ◽  
pp. 215
Author(s):  
Emy Widyastuti
Keyword(s):  
Interest Rate ◽  
Interest Rates ◽  
Commercial Banks ◽  
Profit Sharing ◽  
Islamic Banking ◽  
Significant Positive Effect ◽  
Analysis Method ◽  
Negative Effect ◽  
The Interest Rate ◽  
Positive Effect

The purpose of this study is to analyze the influence of murabahah financing, profit-sharing rate and BI rate on the volume of Islamic banking mudharabah financing in Indonesia during the period of 2016-2018. The sample used in this study is all Islamic Commercial Banks in Indonesia in 2016-2018. The data analysis method used in this study is multiple linear regression to find the effect of each variable on the volume of mudharabah financing of Islamic banking in Indonesia. The results showed that simultaneously murabahah financing variables, profit-sharing rates, and BI reference interest rates influenced mudharabah financing. While partially murabahah financing variable and BI reference interest rate have a significant negative effect on mudharabah financing, while the interest rate variable has a significant positive effect on mudharabah financing. The limitation of this study is that it uses a few variables so that it has not been able to show the full variables that affect mudharabah financing volume.

scholarly journals PENGARUH PROFITABILITAS, RISIKO BISNIS DAN TINGKAT SUKU BUNGA TERHADAP STRUKTUR MODAL (Perusahaan Transportasi Periode 2012-2015)

2019 ◽  
Vol 8 (4) ◽  
pp. 2152
Author(s):  
Ira Puspita ◽  
Sayu Ketut Sutrisna Dewi
Keyword(s):  
Interest Rate ◽  
Capital Structure ◽  
Interest Rates ◽  
Sampling Technique ◽  
Business Risk ◽  
Analysis Method ◽  
Financial Decisions ◽  
Total Debt ◽  
Negative Effect ◽  
Positive Effect

Capital structure is part of the financial structure that keeps the balance between total debt with own capital. The high capital structure will reflect how the company's financial position. Capital structure decisions are one of the key financial decisions in financing assets and increasing business capital. This study aims to find out how the influence of profitability, business risk and interest rates on capital structure. The sample in this research is transportation company starting from 2012-2015 which amounts to 24 companies, with sampling technique using purposive sampling. Based on multiple linier regression analysis method, this research found that profitability have significant positive effect to capital structure, business risk and interest rate have significant negative effect to capital structure.Keywords: Capital structure, profitability, business risk, interest rate.

scholarly journals PENGARUH SUKU BUNGA, NILAI TUKAR, DPK, DAN NPF/NPL KPR TERHADAP PENYALURAN KPR PERBANKAN DI INDONESIA

2020 ◽  
Vol 6 (10) ◽  
pp. 2077
Author(s):  
Muchammad Atho'ur Rohman ◽  
Siti Zulaikha
Keyword(s):  
Exchange Rates ◽  
Interest Rates ◽  
Secondary Data ◽  
Third Party ◽  
Islamic Banking ◽  
Significant Positive Effect ◽  
Simultaneous Test ◽  
Banking Market ◽  
Negative Effect ◽  
Positive Effect

This study aims to determine the effect of interest rates, exchange rates, third party funds and NPF / NPL Mortgages on the distribution of banking mortgages in Indonesia. It is intended that Islamic banks are able to make optimal policies in the distribution of mortgages and mitigation so that the Islamic banking market share can develop. The data required is secondary data from the Indonesian Banking Statistics report, Islamic Banking Statistics, and Indonesian Economic and Financial Statistics for the period October 2014 - May 2019. Based on Multiple Linear Regression, it is known that the simultaneous test results of all variables together have a positive significant effect in the distribution of banking mortgages, and in the partial test it is known that the interest rates and third party funds have a significant positive effect on mortgages in sharia and conventional banking. The exchange rate has a significant positive effect on Islamic banking mortgages, and a significant negative effect on conventional banking mortgages. NPF / NPL mortgage has an insignificant positive effect on the mortgages of both banks. So it can be concluded that the variable interest rates, exchange rates, and third party funds affect the distribution of Islamic banking mortgages and conventional banking mortgages, while the variable NPF / NPL mortgages have no effect.Keywords: Interest rates, exchange rates, third party fund, non performing finance, non performing loan

scholarly journals ANALISIS PENGARUH JUMLAH UANG BEREDAR (M1), SUKU BUNGA SBI, NILAI TUKAR SUKU BUNGA DEPOSITO TERHADAP TINGKAT INFLASI

Media Ekonomi ◽  
2017 ◽  
Vol 19 (3) ◽  
pp. 43
Author(s):  
Fadli Ferdiansyah
Keyword(s):  
Exchange Rate ◽  
Interest Rate ◽  
Linear Regression ◽  
Interest Rates ◽  
Money Supply ◽  
Significant Positive Effect ◽  
Significant Negative Effect ◽  
Negative Effect ◽  
Positive Effect

<p>Inflation is one of the effects of a prolonged economic crisis that hit the country. Inflation is a situation where there is an increase in general prices which continuesover the  long term. The purpose of this study was to determine the effect of the money supply, interrst rate, deposit interest rate and exchange rate (Rp/USD) of the inflation in 2006 – 2011.6 The result of this study suges that the suppy of money have no significant positive effect on inflation. SBI rate have positive and significant effect on inflation. Deposit have rate and no significant negative effect on inflation. Exchange Rate have no significant negative effect on inflation.</p><p>Keywords : Money Supply, Interest Rates, Deposit Interest Rates, Exchange Rate    (IDR /USD), Multiple  Linear Regression, Inflation</p>

scholarly journals FASILITAS DISKONTO (DISCOUNT WINDOWS) SEBAGAI INSTRUMEN MONETER DITINJAU DALAM PERSPEKTIF EKONOMI ISLAM

2019 ◽  
Vol 4 (1) ◽  
pp. 71
Author(s):  
RINA EL MAZA ◽  
EGI PUTRA SETIAWAN
Keyword(s):  
Interest Rate ◽  
Central Bank ◽  
Interest Rates ◽  
Commercial Banks ◽  
Profit Sharing ◽  
The Public ◽  
The Government ◽  
Islamic Economic ◽  
The Interest Rate

The government has an important role in the welfare of the people's economy. One of them is through the role of the central bank by carrying out monetary policy. This policy was adopted by the central bank or Bank Indonesia (BI) through several instruments, including through regulating discount rates for commercial banks. In this case, BI sets the inflation target as a reference for determining interest rates. When the inflation rate exceeds the targeted, BI will raise interest rates which in turn will reduce the credit issued by commercial banks to the public, because commercial banks must pay higher interest rates to the central bank. And the results of the analysis that the interest rate charged in the credit (Lending Facility) discount facility is classified as an act of usury. Meanwhile, the profits obtained from the deposit of funds in the Facility Deposit transaction are not permitted in the Islamic economy, because in the Islamic economy there is no interest rate but profit sharing, given the fixed and concrete interest rates. In addition, the discount facility is also incompatible with some Islamic economic principles, including; the principle of Illahiyah, Justice, and the government.

scholarly journals Faktor-Faktor yang Mempengaruhi Perubahan Deposito Mudharabah (Studi Empiris Pada Bank Umum Syariah di Indonesia)

2020 ◽  
Vol 3 (1) ◽  
pp. 49
Author(s):  
Dinna Miftakhul Jannah ◽  
Tettet Fitrijanti ◽  
Zaldy Adrianto
Keyword(s):  
Regression Analysis ◽  
Interest Rate ◽  
Interest Rates ◽  
Rate Of Return ◽  
Analysis Method ◽  
Panel Data Regression ◽  
Data Regression ◽  
Independent Variable ◽  
The Interest Rate ◽  
Positive Effect

<p>This study aims to examine the factors influencing the changes of mudharabah deposit in Islamic banks in Indonesian during the period of 2014-2018. The dependent variable used in this research is mudharabah deposit in the Islamic bank. The independent variable in this research is financing to deposit ratio (FDR), nonperforming financing (NPF), bank size, interest rate, and rate of return is moderating variable. The sample used in this study is all Islamic Commercial Banks in Indonesia in 2014-2018. The data analysis method used in this study is panel data regression analysis and moderated regression analysis. The results showed that simultaneously financing to deposit ratio, nonperforming financing, bank size, interest rate, and rate of return is moderating variable influenced mudharabah deposit. The results showed that partially financing to deposit ratio and bank size have a significant positive effect on mudharabah deposits. Nonperforming financing variable and interest rates have no significant effect on mudharabah deposits. The rate of return variable as a moderating variable has no significant effect relationship between the interest rate and mudharabah deposits.</p>

scholarly journals Determinan Intellectual Capital terhadap Profitabilitas di Bank Syariah: Pengujian Mediasi Kinerja Keuangan dan Kinerja Non Keuangan

2020 ◽  
Vol 11 (2) ◽  
pp. 151-165
Author(s):  
Siti Mardilia Farihah ◽  
Setiawan Setiawan
Keyword(s):  
Financial Performance ◽  
Intellectual Capital ◽  
Commercial Banks ◽  
Sampling Method ◽  
Research Result ◽  
Significant Positive Effect ◽  
Analysis Method ◽  
Significant Negative Effect ◽  
Negative Effect ◽  
Positive Effect

The purpose of this study is to analyze the effect of intellectual capital on financial performance and non-financial performance of Islamic banking, and its impact on the profitability of the bank. The population is 13 Sharia Commercial Banks in Indonesia. With the purposive sampling method, a sample of five Islamic commercial banks was obtained. Data analysis method in this study uses SEM PLS. The first result shows that intellectual capital has a significant negative effect on financial performance, a significant positive effect on non-financial performance, and a positive but unsignificant effect on profitability. The next results stated that financial performance and non-financial performance had a significant negative effect on profitability. The third research result states that intellectual capital has a significant positive effect on profitability through financial performance, but a significant negative effect on profitability through non-financial performance.

scholarly journals Pengaruh Pembiayaan Mudharabah, Musyarakah dan Murabahah Terhadap Profitabilitas Bank Umum Syariah

2021 ◽  
Vol 7 (1) ◽  
pp. 241
Author(s):  
Dinar Mega Silvia Sari ◽  
Sri Suartini ◽  
Isro’iyatul Mubarokah ◽  
Nanu Hasanuh
Keyword(s):  
Data Analysis ◽  
Commercial Banks ◽  
Significant Positive Effect ◽  
Analysis Method ◽  
Return On Assets ◽  
Outlier Test ◽  
Sample Data ◽  
Negative Effect ◽  
Study Population ◽  
Positive Effect

This study aims to analyze the effect of mudharabah, musyarakah, and murabahah financing on the level of profitability in banks using the Return on Assets (ROA) ratio simultaneously and partially. The sample used in this study was 42 data from the results of the outlier test which previously had 52 sample data into 42 sample data with the study population using 7 (seven) Islamic commercial banks until 2019. The data analysis method used in this study was multiple linear regression of panel data. The results of this study indicate that partially mudharabah financing has no significant negative effect on the level of profitability, while musharaka partially has a negative effect on the level of profitability. Murabahah financing has a significant positive effect on profitability.

Determinan profitabilitas perbankan syariah di Indonesia: peran moderasi non performing financing

2021 ◽  
Vol 1 (1) ◽  
pp. 49-58
Author(s):  
Muhammad Abdul Malik ◽  
Saiful Anwar
Keyword(s):  
Cost Efficiency ◽  
Commercial Banks ◽  
Linear Regression Analysis ◽  
Profit Sharing ◽  
Islamic Banking ◽  
Operational Cost ◽  
Operating Income ◽  
Negative Effect ◽  
The Relationship ◽  
Positive Effect

This study aims to examine the effect of profit sharing, BOPO and financing on profitability with non-performing financing (NPF) as a moderating variable. This study uses linear regression analysis of panel data on 11 Islamic Commercial Banks (BUS) for the 2015-2019 period in Indonesia. The results of this study indicate that profit sharing and financing have a positive effect, BOPO has a negative effect on the profitability of Islamic banking in Indonesia. The relationship between profit sharing and financing in Islamic banking is moderated by non-performing financing, but not with the relationship for financing and operating income (BOPO) which is not able to moderate by non-performing financing. This research contributes to Islamic banking in Indonesia in order to make effective financing with results sharing and operational cost efficiency in operating income (BOPO) so that performance can improve financial performance.

scholarly journals PENGARUH OPERATING EXPENSES TO OPERATING REVENUES (BOPO), FINANCING TO DEPOSIT RATIO (FDR) DAN NON PERFORMING FINANCING (NPF) TERHADAP PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA

2021 ◽  
Vol 3 (1) ◽  
pp. 92-101
Author(s):  
Mella Kusuma Wardannah ◽  
Wirman Wirman
Keyword(s):  
Data Analysis ◽  
Financial Services ◽  
Commercial Banks ◽  
Islamic Banking ◽  
Significant Positive Effect ◽  
Financial Reports ◽  
Normality Test ◽  
Analysis Technique ◽  
Negative Effect ◽  
Positive Effect

The development of Islamic banking is currently growing rapidly and has gained a lot of trust in the community which greatly affects the nation's economy. This study aims to examine the influence of Operating Expenses to Operating Revenues (BOPO), Financing To Deposit Ratio (FDR) and Non-Performing Financing (NPF) on the Profitability of Islamic Commercial Banks in Indonesia in the 2015-2019 period. The data is taken from the annual financial reports of Sharia Commercial Banks registered with the Financial Services Authority in 2015-2019 which are published on the official website (www.ojk.co.id) The object of this research was conducted at 6 banks registered with the Financial Services Authority (OJK) with a period of 5 years for the 2015-2016 period. In total there are 6 Sharia commercial banks, namely Bank Muamalat, Bank Mega Syariah, Bank BRI Syariah, Bank BNI Syariah, Bank BCA Syariah, and Bank Mandiri Syariah. The data analysis technique used in the study used the classical assumption test which included normality test, multicollinearity test, heteroscedasticity test, autocorrelation test. To find out the overall picture of each of the variables, this study uses multiple linear regression and hypothesis testing which includes the t test (partial) and the f test simultaneously. The results showed that the BOPO variable had a significant negative effect on ROA, the FDR variable had a significant positive effect on ROA and the NPF variable had no effect on ROA. The results of this study are expected to be a guideline for further research and be useful for the management of Islamic Commercial Banks in managing the company.Keywords : Operating Expenses To Operating Revenues (BOPO), Financing To Deposit Ratio (FDR), Non                       Performing Financing (NPF), Profitabilitas (ROA)

Analisis Pengaruh Islamicity Performance Index Terhadap Profitabilitas Bank Umum Syariah di Indonesia Tahun 2014-2018

2021 ◽  
Vol 12 (1) ◽  
pp. 27-37
Author(s):  
Siva Nabilla ◽  
Rizal Pahlevi
Keyword(s):  
Performance Index ◽  
Commercial Banks ◽  
Sampling Method ◽  
Joint Effect ◽  
Profit Sharing ◽  
Performance Ratio ◽  
Analysis Method ◽  
Return On Assets ◽  
Income Ratio ◽  
Positive Effect

This study aims to determine the effect of the Islamicity Performance Index on the Profitabilityof Islamic Commercial Banks in Indonesia in 2014-2018. Research variables consist of Return OnAsset (ROA), Profit Sharing Ratio (PSR), Zakat Performance Ratio (ZPR), and Islamic Income Ratiovs Non-Islamic Income Ratio (IsIR). The population of this research is all Islamic commercial banksin Indonesia. This research uses the purposive sampling method. The sample used in this study were9 Islamic Commercial Banks that meet the required criteria. The analysis method used is multipleregression. The results of this study indicate that according to the T-test (partially) the results are thePSR variable has a positive effect, the ZPR variable has a positive effect and the IsIR variable hasno and insignificant effect on the Return On Asset (ROA) of Islamic Commercial Banks. So it can beconcluded from the three variables tested, the PSR variable and the ZPR variable are variables thathave a positive effect in this study. Meanwhile, according to the F test (simultaneously), the results arethe variable Profit Sharing Ratio (PSR), Zakat Performance Ratio (ZPR), and Islamic Income Ratio vsNon-Islamic Income Ratio (IsIR) have a joint effect on Return On Assets (ROA). ) Sharia CommercialBank.

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