scholarly journals PROFIT DISTRIBUTION MANAGEMENT PADA BANK SYARIAH

2018 ◽  
Vol 2 (1) ◽  
pp. 31
Author(s):  
Fitriyana Fitri ◽  
Komala Adriyani ◽  
Catur Ragil Sutrisno
Keyword(s):  
Commercial Banks ◽  
Sampling Technique ◽  
Capital Adequacy ◽  
Third Party ◽  
Operational Cost ◽  
Distribution Management ◽  
Operating Income ◽  
Purposive Sampling ◽  
Profit Distribution ◽  
Capital Adequacy Ratio

This study aims to analyze the influence of the proportion of third party funds (DPK), operational cost to operating income (BOPO), financing to deposit ratio (FDR), bank size and capital adequacy ratio (CAR) to profit distribution management at Sharia Bank. The population is all Sharia Commercial Banks in Indonesia, the period of 2012-2015. Samples were taken using purposive sampling technique. The results show that third party funds (DPK), finance to deposit ratio (FDR) and bank size have no significant effect on profit distribution management (PDM). While BOPO and capital adequacy ratio (CAR) have a significant effect on profit distribution management (PDM).

scholarly journals PENGARUH FAKTOR-FAKTOR INTERNAL TERHADAP PROFIT DISTRIBUTION MANAGEMENT (PDM) PADA BANK UMUM SYARIAH DI INDONESIA

2020 ◽  
Vol 8 (2) ◽  
pp. 173
Author(s):  
Tri Utami ◽  
Sri Rezeqi
Keyword(s):  
Commercial Banks ◽  
Sampling Technique ◽  
Profit Sharing ◽  
Third Party ◽  
Operational Cost ◽  
Financial Reports ◽  
Distribution Management ◽  
Operating Income ◽  
Profit Distribution ◽  
Financing Risk

This study aims to analyze the factors that affect the Profit Distribution Management (PDM) using the variable Proportion of Third Party Funds (PDPK), Provision for Earning Asset Losses (PPAP), Operational Cost of Operating Income (BOPO) and Financing Risk (RP) at Commercial Banks. Sharia in Indonesia. The period of this research is the first quarter of 2016 to the fourth quarter of 2018. This type of research is descriptive analysis with quantitative research methods. The data source used is in the form of secondary data and obtained from the Financial Services Authority (OJK) in the form of Islamic Commercial Bank (BUS) quarterly financial reports consisting of 12 Islamic Commercial Banks (BUS) from 2016 to 2018. The data used from these financial reports are reports Profit Sharing Distribution, Financial Position Report, Income Statement, Earning Asset Quality Report and Financial Ratio. The sampling technique used in this research is purposive sampling technique. This study uses panel data regression analysis using Eviews software version 9.5 The results of this study indicate that the Proportion of Third Party Funds (PDPK), Allowance for Earning Asset Losses (PPAP), Operational Cost of Operating Income (BOPO) and Financing Risk (RP) simultaneously affect the Profit Distribution Management (PDM). Meanwhile, partially, the proportion of third party funds (PDPK), operational costs operating income (BOPO) and financing risk (RP) have a significant negative effect on Profit Distribution Management (PDM). Meanwhile, Provision for Earning Asset Losses (PPAP) has no effect on Profit Distribution Management (PDM).

scholarly journals DETERMINAN PENDAPATAN USAHA PADA BANK UMUM SYARIAH DI INDONESIA

2021 ◽  
Vol 8 (2) ◽  
pp. 159
Author(s):  
Siti Nur Ro'ikayah ◽  
Nisful Laila
Keyword(s):  
Linear Regression ◽  
Commercial Banks ◽  
Sampling Technique ◽  
Financial Statements ◽  
Third Party ◽  
Financial Reports ◽  
Operating Income ◽  
Purposive Sampling ◽  
Regression Methods ◽  
Business Income

ABSTRAKPenelitian yang dilakukan pada Bank Umum Syariah di Indonesia tahun 2015-2019 dilakukan dengan tujuan agar dapat melihat pengaruh jumlah pembiayaan, ukuran, dan Dana Pihak Ketiga (DPK) yang  mempunyai pengaruh atas pendapatan usaha yang dimilikinya. Laporan keuangan Bank Umum Syariah (BUS) digunakan sebagai data yang nantinya untuk diteliti. Peneliti menganalisis data melalui metode regresi linier berganda. Peneliti menggunakan sampel laporan keuangan serta sesuai dengan kriteria sampel yang dimiliki oleh 11 Bank Umum Syariah. Teknik yang dipakai dalam memperoleh sampel yakni yang sesuai dengan ketentuan atau purposive sampling. Dari penelitian ini, dihasilkan bahwa secara parsial jumlah pembiayaan memberikan hasil/pengaruh yang signifikan, ukuran bank memberikan hasil/pengaruh yang signifikan, dan dana pihak ketiga tidak berdampak signifikan atas pendapatan usaha Bank Umum Syariah. Sedangkan secara simultan jumlah pembiayaan, ukuran bank, dan dana pihak ketiga mempunyai dampak yang signifikan atas pendapatan usaha BUS di Indonesia.Kata Kunci: Jumlah Pembiayaan, Ukuran Bank, Dana Pihak Ketiga, Pendapatan Usaha. ABSTRACTResearch conducted at Islamic Commercial Banks in Indonesia in 2015-2019 was conducted with the aim of knowing the effect of the amount of financing, size, and Third Party Funds (TPF) which have an influence on the business income they have. The financial reports of Islamic Commercial Banks (BUS) are used as data which will be examined later. Researchers analyzed data using multiple linear regression methods. Researchers used a sample of financial statements and in accordance with the sample criteria owned by 11 Islamic Commercial Banks. The sampling technique used was purposive sampling technique. From this research, it is concluded that partially the amount of financing provides a significant result / effect, the size of the bank gives a significant result / effect, and third party funds do not have a significant impact on the operating income of Islamic Commercial Banks. Meanwhile, simultaneously the amount of financing, bank size, and third party funds have a significant impact on the operating income of Islamic Commercial Banks in Indonesia.Keywords: Total Financing, Bank Size, Third Party Funds, Operating Income.

scholarly journals Mengukur Kinerja Pra Merger Tiga Bank Umum Syariah dan Pengaruhnya Terhadap Return on Asset

2021 ◽  
Vol 8 (1) ◽  
pp. 70-78
Author(s):  
Hanif Artafani Biasmara ◽  
Pande Made Rahayu Srijayanti
Keyword(s):  
Financial Performance ◽  
Commercial Banks ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Third Party ◽  
Return On Assets ◽  
Financial Reports ◽  
Operating Income ◽  
Performance Variables ◽  
Capital Adequacy Ratio

Abstrak  - Pada tahun 2020, telah ditetapkan pelaksanaan merger antara tiga Bank Umum Syariah yang merupakan anak perusahaan dari Bank Badan Usaha Milik Negara (BUMN). Dimana ketiga bank tersebut adalah PT Bank Syariah Mandiri, PT Bank BRIsyariah, Tbk, dan PT Bank BNI Syariah. Penelitian ini dilakukan untuk mengukur kinerja keuangan ketiga bank tersebut sebelum dilakukannya merger dan pengaruhnya terhadap Return on Asset (ROA). Dalam penelitian ini, kinerja keuangan akan diukur dengan variabel Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Biaya Operasional dan Pendapatan Operasional (BOPO), dan persentase pertumbuhan Dana Pihak Ketiga (DPK). Data yang digunakan dalam penelitian ini merupakan data sekunder yang diperoleh melalui laporan keuangan tahunan dari masing-masing bank dengan periode tahun 2015-2019. Dimana data diolah dan dianalisis dengan menggunakan Regresi Linear Data Panel melalui perangkat lunak Stata 16. Kinerja ketiga Bank Umum Syariah sebelum dimerger menunjukkan hasil yang baik. Selama lima tahun terakhir CAR dan NPF memiliki kinerja yang memuaskan. FDR dan BOPO berada sedikit melenceng dari batas minimum ataupun maksimum. Berikutnya, pertumbuhan DPK rata-rata sebesar 15, 89333%. Seluruh variabel kinerja bank tersebut setelah dilakukan pengolahan data, menunjukkan bahwa variabel CAR, FDR, NPF, BOPO, dan pertumbuhan DPK bersama-sama memiliki pengaruh signifikan terhadap ROA. Sedangkan secara parsial, CAR, NPF, dan pertumbuhan DPK tidak memiliki pengaruh signifikan terhadap ROA. Tetapi FDR dan BOPO memiliki pengaruh signifikan terhadap ROA. Dimana melalui penelitian ini diharapkan dapat menjadi pertimbangan bagi PT Bank Syariah Indonesia Tbk dalam upaya memperoleh kinerja yang baik dan pertumbuhan profitabilitas yang tinggiKata Kunci: CAR, FDR, NPF, BOPO, Pertumbuhan DPK, ROA, Bank Umum Syariah Abstract - In 2020, the implementation of a merger between three Islamic Commercial Banks which are subsidiaries of the State-Owned Enterprise (BUMN) Bank has been determined. Where the three banks are PT Bank Syariah Mandiri, PT Bank BRIsyariah, Tbk, and PT Bank BNI Syariah. This research was conducted to measure the financial performance of the three banks before the merger, and their effect on Return on Assets (ROA). In this study, financial performance will be measured by the variable Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non-Performing Financing (NPF), Operational Costs and Operating Income (OEOI), and the percentage growth in Third Party Funds (TPF).The data used in this study is secondary data obtained through the annual financial reports of each bank for the period 2015-2019. Where the data is processed and analyzed using Linear Data Panel regression through Stata 16. The performance of the three Islamic Commercial Banks before the merger showed good results. Over the last five years, CAR and NPF have performed satisfactorily. FDR and BOPO have slightly deviated from the minimum or maximum limits. Next, the growth in deposits was an average of 15.89333%. All of these bank performance variables, after data processing, show that the variables CAR, FDR, NPF, OEOI, and TPF growth together have a significant effect on ROA. Meanwhile, partially, CAR, NPF, and TPF growth have not a significant effect on ROA. However, FDR and BOPO have a significant effect on ROA. Where through this research it is hoped that in the future it can be a consideration for PT Bank Syariah Indonesia, Tbk to obtain good performance and high profitability growth.Keywords: CAR, FDR, NPF, OEOI, TPF Growth, ROA, Islamic Commercial Banks

scholarly journals Faktor Penentu Tingkat Efisiensi Kinerja Perbankan

2020 ◽  
Vol 20 (2) ◽  
Author(s):  
Sofiana Istinfarani ◽  
Fika Azmi
Keyword(s):  
Stock Exchange ◽  
Sampling Technique ◽  
Capital Adequacy ◽  
Third Party ◽  
Banking Efficiency ◽  
Operating Income ◽  
Parametric Data ◽  
Capital Adequacy Ratio ◽  
Dea Method ◽  
Input Variables

This study aims to examine the determinants of the level of efficiency of banking performance as measured by the non-parametric Data Envelopment Analysis (DEA) method. The determinants of the level of efficiency in banking performance include bank size, Capital Adequacy Ratio, Loan to Deposit Ratio, Non Performing Loans and capitalization. The data in this study were obtained from the Indonesia Stock Exchange (BEI) from 2013 to 2017. The sampling technique used was purposive sampling. The sample used was 160 data from conventional commercial banks in Indonesia. Input variables for calculations using the DEA method are Third Party Funds and Total Assets. While the output variables used are credit distribution and operating income. The results showed that bank size and capitalization did not affect the level of banking efficiency. Meanwhile, Capital Adequacy Ratio and Non-Performing Loans negatifly affect the level of banking efficiency, while the Loan to Deposit Ratio has a positive effect on the level of banking efficiency.

scholarly journals The Effect of Car, BOPO, NPF, and FDR on Profitability of Sharia Commercial Banks in Indonesia

2019 ◽  
Vol 2 (3) ◽  
pp. 234-238
Author(s):  
Saleh Sitompul ◽  
Siti Khadijah Nasution
Keyword(s):  
Financial Services ◽  
Commercial Banks ◽  
Predictive Ability ◽  
Total Sample ◽  
Capital Adequacy ◽  
Operational Cost ◽  
Return On Assets ◽  
Operating Income ◽  
Capital Adequacy Ratio ◽  
Negative Effect

This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Operational Costs on Operating Income (BOPO), Non Performing Financing (NPF) and Financing to Deposit Ratio (FDR) to Profitability with Return on Assets (ROA) in Indonesian Commercial Banks . The population in this study were 13 Sharia Commercial Banks in Indonesia registered in the Financial Services Authority and Bank Indonesia from 2013-2017, with a total sample of 6 Islamic Commercial Banks. The analytical method used is descriptive statistics, classic assumption tests, and multiple linear regression for hypothesis testing. The results showed partially that the Operational Cost of Operational Income had a significant negative effect on Return on Assets, while the Capital Adequacy Ratio, Non Performing Financing and Financing to Deposit Ratio did not affect Return on Assets of Islamic Commercial Banks in Indonesia. Simultaneously, the Capital Adequacy Ratio, Operational Cost to Operaional Revenue, Non Performing Financing and Financing to Deposit Ratio have a significant effect on Return on Assets of Islamic Commercial Banks in Indonesia. The predictive ability of the four variables on Return on Assets is 82%, while the remaining 18% is influenced by other factors outside of this research model.

scholarly journals BANK INTERNAL FACTORS AND PROFIT DISTRIBUTION MANAGEMENT OF SYARIAH BANKS IN INDONESIA

1970 ◽  
Vol 18 (1) ◽  
pp. 19-34
Author(s):  
Mismiwati Mismiwati
Keyword(s):  
Profit Sharing ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Internal Factors ◽  
Distribution Management ◽  
Purposive Sampling ◽  
Profit Distribution ◽  
Capital Adequacy Ratio ◽  
Negative Effect ◽  
Positive Effect

AbstractThe purpose of this study is to analyze the effect of Capital Adequacy Ratio (CAR), Operation Efficiency (BOPO), Financing to Deposit Ratio (FDR), Proportion of Depositor’s Funding (PDPK), Purchase Financing (PJB), Profit Sharing Financing (PBH) and Return On Assets (ROA) to Profit Distribution Management (PDM) in Islamic banks in Indonesia. The sample determined by using purposive sampling based on Indonesia Syariah Bank for period of 2009-2013. The population in this research is 11 Syariah Banks, which 5 Syariah Banks are chosen based on purposive sampling. For analysis the data, multiple regression analysis with IBM SPSS. The result of the research shown that internal bank factors (BOPO and PBH) give positive effect to PDM, the internal bank factors (FDR and PDPK) give negative effect to PDM, while internal bank factors (CAR and PJB) do not affect to PDM. ROA gives positive effect on PDM. Keywords  : CAR, BOPO, FDR, PDPK, PJB, PBH, ROA, PDM.

scholarly journals Sustainabillity Ratio pada Bank Umum Syariah di Indonesia Beserta Faktor yang Mempengaruhinya

2020 ◽  
Vol 5 (2) ◽  
Author(s):  
Dirvi Surya Abbas ◽  
Arry Eksandy ◽  
Yuniarti Yuniarti
Keyword(s):  
Secondary Data ◽  
Sampling Technique ◽  
Capital Adequacy ◽  
Financial Sustainability ◽  
Operational Cost ◽  
Financial Reports ◽  
Operating Income ◽  
Panel Data Regression ◽  
Capital Adequacy Ratio ◽  
Data Regression

The purpose of this study are to determine the effect of Capital Adequacy Ratio (CAR), Operational Cost of Operating Income (BOPO), Financing Deposit Ratio (FDR) on financial sustainability ratio (FSR) (Empirical Study on Islamic Banking in Indonesia in 2014 - 2018). The research period time used was 4 years, namely the 2014-2015 period. The population of this study includes all Islamic general banking in Indonesia in the 2014-2015 period. The sampling technique was using a purposive sampling technique. Based on the predetermined criteria, 8 companies were obtained. The type of data used is secondary data obtained by financial reports issued by the bank. The analysis method used is panel data regression analysis. The results show that the Capital Adequacy Ratio (CAR) has a significant positive effect on financial sustainability ratio (FSR). Operational Cost Operating Income (BOPO) doesn’t have effect on financial sustainability ratio (FSR). Financing Deposit Ratio (FDR) doesn’t have effect on financial sustainability ratio (FSR). Keywords: financial sustainability ratio (FSR); capital adequacy ratio (CAR); operational cost of operating income (BOPO); financing deposit ratio (FDR)

scholarly journals DETERMINAN EFISIENSI PERBANKAN DI INDONESIA (STUDI EMPIRIS PADA BANK UMUM SYARIAH DI INDONESIA PERIODE 2012-2018)

2020 ◽  
Vol 7 (12) ◽  
pp. 2436
Author(s):  
Sri Farhatin Wulandari ◽  
Muh. Nafik Hadi Ryandono
Keyword(s):  
Commercial Banks ◽  
Secondary Data ◽  
Sampling Technique ◽  
Capital Adequacy ◽  
Important Indicator ◽  
Purposive Sampling ◽  
Net Interest Margin ◽  
Panel Data Regression ◽  
Capital Adequacy Ratio ◽  
Interest Margin

ABSTRAKEfisiensi merupakan salah satu indikator penting dalam mengukur kinerja keseluruhan dari aktivitas perbankan. Penelitian ini bertujuan untuk mengetahui pengaruh variabel Capital Adequacy Ratio (CAR), Financing to Deposito Ratio (FDR), Net Interest Margin (NIM), dan Bank Size terhadap Efisiensi Bank Umum Syariah di Indonesia periode 2012-2018 yang diproksikan melalui Beban Operasional Pendapatan Operasional (BOPO). Metode yang digunakan adalah metode kuantitatif dengan teknik analisis regresi data panel menggunakan alat statistik Eviews 9.0. Data yang digunakan adalah data sekunder dengan teknik pengambilan sampel purposive sampling sehingga menghasilkan sampel sebanyak 11 Bank Umum Syariah di Indonesia. Hasil penelitian ini menunjukkan bahwa secara simultan variabel Capital Adequacy Ratio (CAR), Financing to Deposito Ratio (FDR), Net Interest Margin (NIM), dan Bank Size berpengaruh signifikan terhadap Efisiensi Bank Umum Syariah di Indonesia periode 2012-2018. Selanjutnya, secara parsial Capital Adequacy Ratio (CAR), berpengaruh negative dan signifikan, Financing to Deposito Ratio (FDR) berpengaruh positif dan signifikan, Net Interest Margin (NIM) berpengaruh positif dan tidak signifikan, dan Bank Size berpengaruh negatif dan signifikan terhadap efisiensi perbankan syariah.Kata Kunci: Efisiensi, CAR, FDR, NIM, Bank Size, Bank Syariah. ABSTRACTEfficiency is an important indicator in measuring the overall performance of banking activities. This study aimed to determine the effect of the variable Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Net Interest Margin (NIM), and Bank Size on the Efficiency of Sharia Commercial Banks in Indonesia for the period 2012-2018, proxied through Operational Income Operational Expenses (BOPO). The method used was a quantitative method with panel data regression analysis techniques using statistical tools Eviews 9.0.  The data were secondary data with purposive sampling technique to produce a sample of 11 Sharia Commercial Banks in Indonesia. The results of this study showed that simultaneously the variables of Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Net Interest Margin (NIM), and Bank Size had a significant effect on the Efficiency of Islamic Commercial Banks in Indonesia for the period 2012-2018. Furthermore, partially Capital Adequacy Ratio (CAR) had a negative and significant effect, Financing to Deposit Ratio (FDR) had a positive and significant effect, Net Interest Margin (NIM) had a positive and insignificant effect, and Bank Size had a negative and significant effect on Sharia banking efficiency.Keywords: Efficiency, CAR, FDR, NIM, Bank Size, Sharia Bank.

scholarly journals Factors Affecting Profit Distribution Management in Sharia Banks in Indonesia

2019 ◽  
Author(s):  
Rimi Gusliana Mais ◽  
Hendrawati . ◽  
Herry Eka Putra
Keyword(s):  
Financial Services ◽  
Hypothesis Test ◽  
Capital Adequacy ◽  
Third Party ◽  
Islamic Banks ◽  
Distribution Management ◽  
Factors Affecting ◽  
Profit Distribution ◽  
Capital Adequacy Ratio ◽  
Data Collection Technique

This study aims to determine the effect of Capital Adequacy Ratio, Effectiveness of Third Party Funds and Risk of Financing on Distribution Management Profit in Islamic Banks in Indonesia in 2013-2017. The strategy used is associative causal. This type of research is quantitative. The data of this study are secondary. The population of this study is Islamic banks in Indonesia that have been officially registered in the Financial Services Authority (OJK) from 2013 to 2017. The research sample is determined by purposive sampling method, so that the number of samples, there are 10 Islamic banks. The data collection technique used is the documentation obtained through the from each bank sample. The research method used is multiple regression analysis, descriptive statistical analysis, classic assumption test and hypothesis test. The data processing tool used is Eviews 9.0 software with panel data regression method. The results of this study are (1) Capital Adequacy Ratio has an effect on Profit Distribution Management, (2) Effectiveness of Third Party Funds does not affect the Distribution ManagementProfit,(3)FinancingRiskhasaneffectonProfitDistributionManagement.

scholarly journals FAKTOR-FAKTOR YANG MEMPENGARUHI PERTUMBUHAN LABA BANK UMUM SYARIAH DI INDONESIA

2019 ◽  
Vol 5 (2) ◽  
pp. 115
Author(s):  
Yani Suryani ◽  
Desi Ika
Keyword(s):  
Commercial Banks ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Third Party ◽  
Islamic Banks ◽  
Operating Income ◽  
Capital Adequacy Ratio ◽  
Banking Institutions ◽  
Operational Activities ◽  
Profit Growth

This study aims to know the effect of the determinant variables on profit growth in Islamic commercial banks in Indonesia. During the period of financial crisis in 1997 Islamic banks were still able to show relatively better performance compared to conventional banking institutions. Due to the lower distribution of non-performing loans (non-performing loans) to the Islamic banks and no negative spreads in their operational activities, this condition as well as profit growth generated by Islamic banks. This study analyzes the effect of Net Operational Income (NOI), Third Party Funds (DPK), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), and operational costs to operational income (BOPO) both partially or simultaneously on the Profit Growth of Islamic commercial banks in Indonesia in the 2016-2018 period. The type of research is associative, secondary data sources and data are analyzed quantitatively. The results of this study indicate that partially Net Operating Income (NOI) affects the profit growth of Islamic Commercial Banks in Indonesia. For simultaneous testing the overall determinant variable does not affect earnings growth at Islamic Commercial Banks in Indonesia.

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