scholarly journals Analisis Pengaruh NPF, FDR, BOPO, CAR, dan GCG terhadap Kinerja Keuangan Bank Umum Syariah di Indonesia Periode 2013-2017

2018 ◽  
Vol 6 (1) ◽  
pp. 94
Author(s):  
Rima Cahya Suwarno ◽  
Ahmad Mifdlol Muthohar
Keyword(s):  
Financial Performance ◽  
Commercial Bank ◽  
Commercial Banks ◽  
Research Method ◽  
Quantitative Research ◽  
Total Sample ◽  
Content Analysis Method ◽  
Regression Test ◽  
Negative Effect ◽  
Positive Effect

This study aims to determine the Influence of NPF, FDR, BOPO, CAR, and GCG on Financial Performance of Sharia Commercial Banks in Indonesia Period 2013-2017. This research use quantitative research method with population in this research is all sharia commercial bank in Indonesia period 2013-2017. The total sample is eight of sharia commercial banks, based on purposive sampling method. Data collection is done by library method from journals, articles or literatures that related to required data, and documentation method of annual report and GCG implementation report of sharia public bank in question as well as data from OJK website. The research method used is statistical descriptive test, descriptive test by analyzing GCG through GCG implementation report using content analysis method, classical assumption test, multiple regression test. The results showed that simultaneously NPF, FDR, BOPO, CAR, and GCG variables significantly influence the Financial Performance of Sharia Commercial Banks in Indonesia Period 2013-2017. While the partial variable of NPF has positive effect not significant to ROA, FDR variable has positive effect not significant to ROA, BOPO variable has significant negative effect to ROA, CAR variable has positive effect not significant, and GCG variable has positive effect not significant to ROA of Sharia Commercial Bank in Indonesia 2013-2017 period.

scholarly journals Analysis of Banking Performance in The Aftermath of The Merger of Bank Syariah Indonesia in Covid 19

2021 ◽  
Vol 2 (2) ◽  
pp. 472-478
Author(s):  
Mohammad Yusuf ◽  
Reza Nurul Ichsan
Keyword(s):  
Financial Performance ◽  
Commercial Banks ◽  
Research Method ◽  
Quantitative Research ◽  
Journal Article ◽  
Test Results ◽  
Content Analysis Method ◽  
Regression Test ◽  
Negative Effect ◽  
Positive Effect

This study aims to determine sharia banking performance after the merger of Sharia Banks and Covid 19 pendemi by looking at the influence of NPF, FDR, BOPO, and CAR financial performance of Sharia Commercial Banks in the Period 2011-2020. This research uses quantitative research method with population in this research is all sharia commercial banks in Indonesia period 2011-2020. Data collection is done by library method from journal, article, or literature related to the required data, and documentation method of sharia commercial bank implementation report in question as well as data from OJK website. The research method used is a statistical descriptive test, descriptive test by analyzing ROA through ROA implementation report using content analysis method, classic assumption test, some regression test. Results show that the variables NPF, FDR, BOPO, and CAR are simultaneously financial performance of Sharia Commercial Banks in Indonesia in the period 2011-2020. Simultaneously, the variables of NPF, FDR, BOPO and CAR have a significant impact on the financial performance (ROA) of sharia commercial banks in Indonesia in the period 2011-2020. Based on the amount adjusted R2 is 0.979 which means that 97.9% of financial performance (ROA) of sharia commercial banks is influenced by independent variables, while 02.1% is influenced by other factors outside the research. Car partially had an insignificant positive effect on the financial performance (ROA) of sharia commercial banks in Indonesia in the period 2011-2020. Partially, NPF has an insignificant positive effect on the financial performance (ROA) of sharia commercial banks in Indonesia in the period 2011-2020. Partially BOPO has a significant negative effect on the financial performance (ROA) of sharia commercial banks in Indonesia in the period 2011-2020. Partially, FDR has an insignificant positive effect on the financial performance (ROA) of sharia commercial banks in Indonesia in the period 2011-2020.

scholarly journals Kinerja Pegawai Dipengaruhi oleh Komunikasi, Iklim Organisasi dan Motivasi Kerja

2021 ◽  
Vol 4 (1) ◽  
pp. 8-20
Author(s):  
Daud Woru ◽  
Anita Erari ◽  
Maman Rumanta
Keyword(s):  
Organizational Climate ◽  
Research Method ◽  
Quantitative Research ◽  
Work Motivation ◽  
Employee Performance ◽  
Climate Variable ◽  
Independent Variables ◽  
Regression Test ◽  
Negative Effect ◽  
Positive Effect

This study aims to describes the ability of communication, organizational climate, and work motivation on the create of employee performance in the Yapen Selatan District. The research method used is quantitative research using statistical procedures. The research instrument was a questionnaire with a Likert scale. The sample in this study were 52 employees in the Yapen Selatan District. Multiple linear regression test with the help of SPSS 22 software is used to determine the effect of independent variables on the dependent variable. The results showed that the variables of communication and work motivation had a significant positive effect on employee performance. While the organizational climate variable has a significant negative effect on employee performance. Communication, organizational climate, and work motivation together have an effect on the performance of South Yapen District employees. Keywords: Communication, Organizational Climate, Work Motivation, Employee Performance.

scholarly journals THE INFLUENCE OF THIRD-PARTY FUNDS, NON-PERFORMING LOANS (NPL) ON CREDIT DISTRIBUTION WITH PROFITABILITY AS INTERVENING VARIABLE IN COMMERCIAL BANKS

2020 ◽  
Vol 4 (02) ◽  
Author(s):  
Sri Hermuningsih ◽  
Pristin Prima Sari ◽  
Anisya Dewi Rahmawati
Keyword(s):  
Commercial Bank ◽  
Commercial Banks ◽  
Quantitative Research ◽  
Sampling Technique ◽  
Bank Lending ◽  
Third Party ◽  
Internal Factors ◽  
Negative Effect ◽  
The Government ◽  
The Relationship

Banks are financial institutions that collect and distribute funds in the forms of deposits such as savings, deposits, current accounts, etc. from and for people who need funds for various needs, such as for consumption, working capital or business capital, housing and investment. In addition, banks must help the community to improve their living standards by distributing funds or giving credit to people who need funds. This is in accordance with the function of the bank itself, namely the bank as the distributor of funds. The purpose of this research is to examine and obtain evidence about factors that influence loan distribution at a bank. Internal factors that influence loan distribution are Third Party Funds, Non-Performing Loans, and Profitability. Efforts to increase credit at banks require optimal efforts to raise third-party funds, good credit management, and capital strengthening. This type of research is quantitative research with purposive sampling technique. The population used in this study is commercial banks from 2013 to 2017. The data come from commercial bank financial statements. As the benefit of this research the government can use it as a mapping material for distributing loan to commercial banks; the bank management can take it into consideration in making commercial bank lending policies. The results of the research show that profitability can mediate the relationship between third party funds and non-performing loans on loan distribution. Third party funds have a significant positive effect on loan distribution. Non-Performing Loans have a significant negative effect on loan distribution. Keywords: LOAN DISTRIBUTION, THIRD PARTY FUNDS, NON-PERFORMING LOANS, AND PROFITABILITY

scholarly journals ANALISA PENGARUH PERTUMBUHAN KREDIT, JENIS KREDIT, TINGKAT BUNGA PINJAMAN BANK DAN INFLASI TERHADAP KREDIT BERMASALAH

2019 ◽  
Vol 11 (1) ◽  
pp. 1
Author(s):  
Arfan Rachmadias Saputro ◽  
Susi Sarumpaet ◽  
Tri Joko Prasetyo
Keyword(s):  
Multiple Regression ◽  
Commercial Banks ◽  
Sampling Method ◽  
Financial Statements ◽  
Total Sample ◽  
Linear Analysis ◽  
The Other ◽  
Negative Effect ◽  
Loan Growth ◽  
Positive Effect

Abstract: This research was conducted to analyze the effect of loan growth, loan type, interest and inflation on non-performing loan. Samples were focused on Indonesian commercial banks. Multiple regression linear analysis was used, whereas the samples were obtained using purposive sampling method. Total sample consists of 82 commercial banks with financial statements for the year of 2013 to 2017. Result shows that each variable; loan growth, loan type and interest have a positive effect on non-performing loan. On the other hand, inflation has a negative effect. Keywords: Loan Growth, Loan Type, Interest, Inflation, Non-Performing Loan.

scholarly journals Pengaruh Perlambatan Ekonomi Global dan Kinerja Keuangan Bank terhadap Pengembalian Saham Bank-Bank Komersial di Bursa Efek Indonesia

2019 ◽  
Vol 3 (1) ◽  
pp. 42
Author(s):  
Acik Agfiyani ◽  
Serly Serly
Keyword(s):  
Financial Performance ◽  
Stock Returns ◽  
Commercial Banks ◽  
Independent Variables ◽  
Negative Effect ◽  
Independent Variable ◽  
Economic Slowdown ◽  
Positive Effect

This study aims to determine the effect of global economic slowdown and bank financial performance on the return of shares of commercial banks on the IDX. The independent variables used are NIM, NPL, CAR, LDR, Indonesian GDP, Chinese GDP, and American GDP.             This study uses a sample of 31 commercial banks listed on the IDX in the period 2013-2017. The results of the study state that China's GDP and NPL have a positive effect on stock returns. The independent variable of American GDP has a negative effect on stock returns. Whereas NIM, CAR, LDR, and Indonesian GDP are declared not to affect stock returns.

scholarly journals KINERJA KEUANGAN TERHADAP KEMAMPUAN BERKELANJUTAN PERUSAHAAN

2019 ◽  
Vol 11 (1) ◽  
pp. 24-32
Author(s):  
Kurnia Octha Saputri
Keyword(s):  
Financial Performance ◽  
Commercial Bank ◽  
Sampling Methods ◽  
Sample Selection ◽  
Capital Adequacy ◽  
Operational Performance ◽  
Panel Data Regression ◽  
Data Regression ◽  
Negative Effect ◽  
Positive Effect

This study aims to investigate the financial performance and sustainable company ability and investigate the effect of financial performance as measured by by profitability (ROA), capital adequacy (CAR), operational performance efficiency (BOPO), liquidity (FDR), and non performing financing (NPF), on the sustainable company ability as measured by the FSR at Sharia Commercial Bank in Indonesia for the period 2012-2016.The sample used in this research is 11 Sharia Commercial Banks. The sample selection technique used is purposive sampling. Methods of data analysis using panel data regression analysis with 5% significance. The result of t test shows that capital adequacy has significant positive effect, meanwhile profitability operational performance efficiency, liquidity, and non performing financing has significant negative effect. The result of F test shows that simultaneously the financial performance has significant effect on corporate sustainable capability with adjusted R2 of 0.581292.

scholarly journals Pengaruh Pembiayaan Mudharabah, Musyarakah, dan Murabahah Terhadap Profitabilitas Bank Umum Syariah Periode 2015-2019

EL-Ghiroh ◽  
2020 ◽  
Vol 18 (2) ◽  
pp. 209-233
Author(s):  
Nevi Laila Khasanah ◽  
Taufik Mukmin
Keyword(s):  
Commercial Banks ◽  
Research Method ◽  
Quantitative Research ◽  
Profit Sharing ◽  
Islamic Banks ◽  
Financing System ◽  
Quantitative Research Methods ◽  
Regression Test ◽  
The Relationship

The purpose of this study was to determine whether Mudharabah, Musyarakah, and Murabahah financing affected the profitability of Islamic Commercial Banks in Indonesia for the 2015-2019 period. This type of research is quantitative research. Quantitative research is to explain the position of the variables studied as well as the relationship between one variable with another variable. The research method used in this study uses descriptive quantitative research methods using multiple linear regression test. The quantitative method in this study was to examine the influence of Mudharabah, Musyarakah, and Murabahah financing on the profitability of Islamic Commercial Banks in 2015-2019. Based on the analysis and discussion of data described in the previous chapter on the effect of mudharabah, musyarakah, and murabahah financing on profitability (ROA) of Islamic banks, it can be concluded that the variables of mudharabah financing, musyarakah financing and murobahah financing significantly influence profitability (ROA). This is evidenced by the results of the t test where the significance value of the variable mudharabah financing (0.023), musyarakah financing (0.037) and murobahah financing (0.008) are more than 0.05. The profit sharing system will facilitate customers and the financing system is quite consumptive so that it can contribute to profit levels, which causes profitability to rise.

scholarly journals THE EFFECT OF MUDHARABAH, MUSYARAKAH AND MURABAHAH FINANCE ON THE PROFITABILITY OF SHARIA GENERAL BANKS IN INDONESIA IN 2013-2017

2020 ◽  
Vol 1 (1) ◽  
pp. 49-60
Author(s):  
Yogi Bayu Pratama ◽  
Erwin Febriansyah
Keyword(s):  
Commercial Bank ◽  
Significant Influence ◽  
Commercial Banks ◽  
Research Method ◽  
Quantitative Research ◽  
Secondary Data ◽  
Analytical Tool ◽  
Research Approach ◽  
Return On Assets ◽  
Financial Reports

This study aims to analyze the effect of mudharabah, musyarakah and murabahah financing on the level of profitability at Islamic Commercial Banks in Indonesia using the Return on Assets (ROA) ratio. The research method used is descriptive quantitative research approach and case studies at Islamic Commercial Banks in Indonesia. The type of data obtained from this research is secondary data based on the results of Sharia Commercial Bank financial reports which include BCA Syariah, BNI Syariah, BRI Syariah, Mandiri Syariah Bank, Syariah Bukopin and Muamalat Bank during the 2013-2017 period. Sources of data obtained through the results of publications from the relevant Islamic Commercial Bank and through the official website of each bank. The analytical tool used is multiple linear regression analysis.The results showed that Mudharabah and Mutanaqisah financing had a significant influence on ROA levels while financing for Murabahah had an insignificant effect on the partial ROA level. Simultaneously, this Mudharabah, Mutanaqisah and Murabahah financing has a significant influence on the level of ROA

scholarly journals Karakteristik Pembiayaan dan Non Performing Finance Perbankan Syariah 2015–2018

2019 ◽  
Vol 3 (1) ◽  
pp. 1
Author(s):  
Rosyid Nur Anggara Putra
Keyword(s):  
Commercial Bank ◽  
Commercial Banks ◽  
Sampling Technique ◽  
Financing Risk ◽  
Negative Effect ◽  
Positive Effect

<p>Each type of contract in financing in a Sharia Bank has different<br />characteristics. This can not be separated from the type of transaction used in<br />financing. This study aims to analyze the effect of financing characteristics<br />based on the contract in the distribution of funds, namely: mudharabah<br />financing, musyarakah financing, murabahah financing and qardh loans to<br />financing risk which is proxied by the ratio of non-performing finance (NPF).<br />The research is a quantitative associative study with the object of a sharia<br />commercial bank in Indonesia. The sampling technique used a purposive<br />sampling technique where the number of samples analyzed was 66 consisting<br />of 11 Islamic Commercial Banks with the period 2011-2016. The analysis<br />shows that mudharabah financing has a positive effect on NPF, murabahah<br />financing has a negative effect on NPF. While musyarakah and qardhul hasan<br />financing does not affect the NPF ratio.</p>

PENGARUH RISIKO KREDIT, RISIKO PASAR DAN RISIKO LIKUIDITAS TERHADAP KINERJA KEUANGAN PERBANKAN (Studi pada Bank Umum Konvensional yang terdaftar di Bursa Efek Indonesia periode 2014-2018)

2020 ◽  
Vol 4 (1) ◽  
pp. 1-9
Author(s):  
Natalia Desiko
Keyword(s):  
Credit Risk ◽  
Financial Performance ◽  
Research Method ◽  
Liquidity Risk ◽  
Secondary Data ◽  
Total Sample ◽  
Market Risk ◽  
Sampling Techniques ◽  
Significant Positive Effect ◽  
Positive Effect

This study aims to determine the effect of credit risk on the financial performance of banks, the effect of market risk on bank financial performance, the effect of liquidity risk on bank financial performanc. The research method used in this is a quantitative method. The population observed in this study was all conventional cemmercial banks listed on the idx for the period 2015 to 2018. The population in this study was 42 banking companies sampling techniques with a total sample of 56. The type of data used is secondary data. The results showed that Credit Risk (NPL) no significant positive effect on finanial performance (ROA), Market Risk (NIM) has a significant positive effect on bank financial performance (ROA). Liquidity Risk (LDR) has a significant positive effect on bank financial performance (ROA). Credit risk (NPL), market risk (NIM) and liquidity risk (LDR) have different effects. Because seen by the t test, where there are variables that cannot be seen.  

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