scholarly journals The Case of COVID-19 impact on the level of non-performing loans of conventional commercial banks in Indonesia

2021 ◽  
Vol 16 (1) ◽  
pp. 62-68
Author(s):  
Siti Epa Hardiyanti ◽  
Lukmanul Hakim Aziz
Keyword(s):  
Data Analysis ◽  
Financial Services ◽  
Commercial Banks ◽  
Secondary Data ◽  
Management Policy ◽  
Credit Risk Management ◽  
Analysis Technique ◽  
Human Ability ◽  
The Impact ◽  
External Indicator

This study aims to investigate the impact of COVID-19 on the increase in bad credits at conventional commercial banks in Indonesia. The data used in this study are secondary data sourced from the Ministry of Health and from the Financial Services Authority (OJK), each of which consists of 50 data samples. The data analysis technique used in this study is simple regression analysis to determine the magnitude of the influence of COVID-19 on non-performing loans. The results of the data analysis show that COVID-19 has a significant effect on non-performing loans, and the COVID-19 variable can be used as an external indicator of the increase in non-performing loans for commercial banks in Indonesia. The implication of the research is that other researchers can make COVID-19 an external indicator of an emergency beyond human ability that can affect the level of non-performing loans. For banking, this study can be used as a reference when considering credit risk management policy during the COVID-19 pandemic. AcknowledgmentThe researchers are grateful to University of Sultan Ageng Tirtayasa for financial support. In addition, the authors sincerely apologize for the errors and mistakes found in this paper.

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 EFEKTIVITAS PROGRAM ME’DASENG DI KECAMATAN TABUKAN UTARA, KABUPATEN KEPULAUAN SANGIHE

2021 ◽  
Vol 17 (1) ◽  
pp. 147
Author(s):  
Yerry Efendi Budiman ◽  
Daud Markus Liando ◽  
Donald K. Monintja
Keyword(s):  
Data Analysis ◽  
Program Effectiveness ◽  
Secondary Data ◽  
Primary Data ◽  
Online Data ◽  
The North ◽  
Direct Observations ◽  
Analysis Technique ◽  
The Government ◽  
The Impact

This study aims to describe the effectiveness of the Me'Daseng program. Measurement of effectiveness used four elements in accordance with Budiani (2009) concept namely: the accuracy of target, socialization, objectives, and monitoring. The research was conducted in the North Tabukan Sub-district, Sangihe Islands Regency. The selection of informants was carried out purposively with a total of 12 informants. The data used are primary and secondary data. Primary data were collected by conducting interviews with informants and making direct observations. Secondary data were collected by conducting literature studies and searching online data related to the theme of this research, namely program effectiveness. The data analysis technique used descriptive qualitative data analysis techniques. The results showed that (1) the Me'Daseng program was not yet fully effective, in terms of target accuracy. The community was still less involved or served when the Me'Daseng program was implemented. (2) Socialization of the Me'Daseng program has been carried out, but it has not been very good, especially the direct socialization carried out in communities. (3) The effectiveness of the Me'Daseng program when viewed from the objectives of the Me'Daseng program and compared to the results achieved, has not been very effective. (4) The government has made efforts to make improvements in the implementation of the Me'Daseng program, as an effort to pay attention to the community receiving services from the Me'Daseng program, but the impact felt by the community is still not as expected.

scholarly journals Analysis Factors Affect of Murabahah Margin in Sharia Commercial Banks in Indonesia

2020 ◽  
Vol 1 (1) ◽  
pp. 53
Author(s):  
Ainun Nisa
Keyword(s):  
Data Analysis ◽  
Financial Services ◽  
Commercial Banks ◽  
Complex Analysis ◽  
Main Product ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Operating Expense ◽  
Data Analysis Technique ◽  
Analysis Technique

Financing with the murabahah contract becomes the most dominating because murabahah contract is easier to use because it is obvious the split, does not require a complex analysis that benefit both parties between Islamic banks and customers. So that murabahah financing becomes the main product in Islamic banking in Indonesia. The research purpose to analysis and determine a direct effect of operating expense and third fund party to murabahah margin in sharia commercial banks in Indonesia.  The period use in this research is 5 years, starting from 2014 to 2018. The type of this research was an causal research to show the direction in the relation between operating expense and third fund party to murabahah margin also to measure the strength of the relation between two or more variables. The population in this research a number of 14 islamic commercial banks that have been and are still registered with the Financial Services Authority in 2014 to 2018. The data analysis technique used in purposive sampling and obtained a sample of 12 islamic commercial banks. The data analysis technique used is multiple linear regression using eviews version 9. The results showed that the operating expense had a negative and significant effect on murabahah margin and third fund party had a positive and significant effect on murabahah margin.

scholarly journals The Effect Of Third Party Funds (DPK), Non Performing Financing (NPF), And Indonesian Sharia Bank Certificates (SBIS) On Sharia Banking Financing Distribution In Indonesia

2021 ◽  
Vol 2 (2) ◽  
pp. 72-77
Author(s):  
Riyan Pradesyah ◽  
Yuyun Triandhini
Keyword(s):  
Data Analysis ◽  
Commercial Bank ◽  
Financial Services ◽  
Quantitative Methods ◽  
Secondary Data ◽  
Third Party ◽  
Islamic Banking ◽  
Analysis Technique ◽  
Negative Effect ◽  
Positive Effect

The purpose of this research is to determine the effect of DPK, NPF, and SBIS either partially or simultaneously on the distribution of Islamic banking financing in Indonesia. In this research , using quantitative methods and the type of data used is secondary data. The sample used in this study is data on total financing, DPK, NPF and fund placement in Islamic Commercial Bank SBIS which are contained in the monthly Islamic Banking Statistics published by the Financial Services Authority for the period 2015 - 2019. The data analysis technique used in this study is test classical assumption, multiple linear regression and hypothesis testing. The results of this study were processed in the SPSS 22 program.The results showed that partially (t test) the DPK variable had a positive effect on the distribution of financing. This was evidenced by the t count (56.185)> (1.67252) t table and the sig value. 0.000 < 0.005. The NPF variable has a negative effect with t count (-3.914) <(1.67252) t table and sig. 0.000 < 0.005. The SBIS variable has no effect, as evidenced by the t count (1.536) <(1.67252) t table and the sig value. 0.130 > 0.005. Taken together (F test) shows that DPK, NPF, and SBIS have a significant effect on financing distribution as evidenced by the value of F count (1565,122)> (2.77) F table and sig. 0.000 < 0.005. The adjusted R2 value is 0.988, which means that the DPK, NPF and SBIS variables affect the distribution of financing by 98.8% while the remaining 1.2% is influenced by variables outside of this research .

scholarly journals The Impact of Credit Risk Management Indicators on Profitability Attributes: Evidence from the State-Owned Commercial Banks in Bangladesh

2021 ◽  
Vol 8 (3) ◽  
pp. 215-224
Author(s):  
Mst. Hasna Banu ◽  
Md. Sayaduzzaman ◽  
Subhash Chandra Sil
Keyword(s):  
Risk Management ◽  
Credit Risk ◽  
Commercial Banks ◽  
Banking Sector ◽  
Management Practice ◽  
Management Policy ◽  
Annual Reports ◽  
Credit Risk Management ◽  
Management Indicators ◽  
The Impact

The focal attempt of this research is to identify the consequence of credit risk management indicators on profitableness attributes of state-owned commercial banks functioning in Bangladesh. To attain the objectives of this research study researcher has analyzed four sample banks’ audited annual reports covering the period 2012 to 2016. The study has employed the ANOVA technique, multiple regression model, and correlation matrix to reach the concluding remark as per study objectives. The findings revealed that there is significant and insignificant variation as well as relationship in the different indicators of credit risk management but there is insignificant variation in the different attributes of profitability in the midst of the sample banks within the study period. Furthermore, there is the insignificant impact of the different indicators of credit risk management namely loan and advance, classified loan, unclassified loan, leverage ratio, bad debt, default ratio, cost per loan asset, and cost to income ratio on profitability attributes such as return on assets, return on equity along with net profit percentage of the sample banks over the study period. Hence, the study has recommended that the management of the banking sector should emphasize creating a smart credit management policy as well as lending guidelines to formulate the suitable credit risk management practice to meet the demand of loans applicants properly.

scholarly journals PENGARUH PEMBIAYAAN MUSYARAKAH TERHADAP PROFITABILITAS PADA BANK UMUM SYARIAH (BUS) PERIODE 2015-2017

2019 ◽  
Vol 3 (2) ◽  
Author(s):  
Lucy Auditya ◽  
Lufika Afridani
Keyword(s):  
Data Analysis ◽  
Commercial Banks ◽  
Secondary Data ◽  
Financial Statements ◽  
Islamic Banks ◽  
Simple Linear Regression ◽  
Return On Assets ◽  
Financial Reports ◽  
Return On Equity ◽  
Analysis Technique

The purpose of this study was to determine the effect of musyarakah financing on profitability in Sharia Commercial Banks in Indonesia for the 2015-2017 period and to find out how much influence musyarakah financing had on profitability in sharia commercial banks for the period 2015-2017. The limitation of the problem of this research is on the profitability of financial ratios ROA (Return On Assets) and ROE (Return On Equity). To disclose these issues in depth and thoroughly, researchers used a quantitative approach with secondary data collection techniques in the form of financial statements of each sharia bank for three consecutive years and provided quarterly financial reports, obtained by 5 Islamic banks to obtain 60 data. The data analysis technique used is simple linear regression using the SPSS version 16. Then the data is described, analyzed and discussed to answer the problems raised. From the results of the study it was found that musyarakah financing had a significant effect on ROA at alpha 5%. This is evidenced by the significance value (Sig.) (0.002) <(α) 0.05. While musyarakah financing has no significant effect on ROE at alpha 5%. This is evidenced by the significance value (Sig.) (0.669)> (α) 0.05.

scholarly journals Analysis of Input Tax Recalculation to Hospital Services (Case Study at PT CRB)

2021 ◽  
Vol 4 (1) ◽  
pp. 48-54
Author(s):  
Putu Suari Pradnyastuti ◽  
◽  
W H Utthavi ◽  
N W D Ayuni ◽  
◽  
...  
Keyword(s):  
Data Analysis ◽  
Impact Analysis ◽  
Value Added ◽  
Secondary Data ◽  
Hospital Services ◽  
Analysis Technique ◽  
Total Input ◽  
Quantitative Descriptive ◽  
Administrative Sanctions ◽  
The Impact

PT CRB is a taxpayer who has a business in the field of medical health services specifically eye hospital. Initially, PT CRB only reported its monthly Value Added Tax (VAT) from January to December 2019. However, the reported amount of Input Tax wasn’t in accordance. Input Taxes from drug purchases can’t be separated exactly between delivery of drugs that are VAT payable and non-VAT payable, so the Input Taxes can’t be fully credited and must be calculated with the guidelines of the Minister of Finance Regulation No. 135/PMK.11/2014. The purpose of this research was to determine the calculation of PT CRB Input Tax in 2019, the results of the recalculation of Input Taxes in accordance with PMK 135/PMK.11/2014, and the analysis of recalculated Input Taxes impact. The types of data used in this research are qualitative and quantitative data with secondary data sources. Data collection in this research is using interview techniques and documentation techniques. The data analysis technique used in this research is quantitative descriptive data analysis. Based on the results of the research, it can be concluded that the calculation of Input Tax on hospital services before recalculation shows that the total Input Tax reported by PT CRB in 2019 is about Rp. 180,518,250 and it has been fully credited. Results of the recalculation of Input Tax on hospital services at PT CRB 2019 based on PMK 135/PMK.11/2014 is Input Tax that can be credited during the January to December 2019 tax period is only Rp 63,914,935. The results of recalculated Input Taxes impact analysis are in the form of underpaid VAT of Rp 116,603,315 that be the main impact and the impact of administrative sanctions in the form of interest of 2% due to late payment of taxes.

Prediction of Return on Equity Using Capital Adequacy Ratio in Commercial Banks: An ANOVA Table Analysis

2014 ◽  
Vol 4 (2) ◽  
Author(s):  
Meenakshi Chaturvedi
Keyword(s):  
Risk Management ◽  
Credit Risk ◽  
News Media ◽  
Commercial Banks ◽  
Banking Sector ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Credit Risk Management ◽  
Return On Equity ◽  
The Impact

The purpose of this study is to predict the impact of Credit Risk Management on Profitability of Commercial Banks in India. Data is obtained from different news media, publication and sample banks to describe present scenario of banking sector in India. To analyze the profitability and credit risk management of banks after implementing the Basel II standard, we collected secondary data of ten years (2003 to 2013) from the annual report of banks. Few bar-diagrams have been drawn to compare the performance among six banks. While, to fulfill the research objective, ROE, and CAR is calculated to evaluate the Credit Risk of the Banks. Using these two ratios, researcher constructed the regression model statistics.

PENGARUH PEMBIAYAAN MURABAHAH, MUDHARABAH, MUSYARAKAH, IJARAH TERHADAP PROFITABILITAS BANK UMUM SYARIAH PERIODE 2016-2018

2021 ◽  
Vol 4 (2) ◽  
Author(s):  
Oryza Sativa Meiswari ◽  
Diah Nurdiwaty
Keyword(s):  
Data Analysis ◽  
Commercial Bank ◽  
Commercial Banks ◽  
Sampling Method ◽  
Secondary Data ◽  
Public Trust ◽  
Quantitative Approach ◽  
Financial Reports ◽  
Analysis Technique ◽  
Study Population

Profitability is a certain condition that has been achieved by a sharia bank as a reflection of public trust in commercial banks that have undergone a process of activity for several years. This study aims to analyze the effect of murabahah, mudharabah, musyarakah and ijarah financing on the profitability of Islamic commercial banks. Profitability is the dependent variable in this study, while murabahah, mudharabah, musyarakah and ijarah financing are independent variables.The type of data used is secondary data which is obtained from quarterly financial reports taken from the official website or website www.bi.go.id/www.ojk.go.id and the official website of each Islamic Commercial Bank. The study population consisted of 12 Islamic commercial banks, and obtained 72 samples by purposive sampling method. The approach used in this research is a quantitative approach. The data analysis technique used is multiple linear regression.The results of this study indicate that partially murabahah financing and ijarah financing have a significant effect on profitability. Based on the results of the F test, the variables of murabahah, mudharabah, musyarakah and ijarah financing simultaneously have a significant effect on profitability. Keywords: Murabahah Financing, Mudharabah, Musharaka, Ijarah, Profitability

scholarly journals Impact of Credit Risk Management Systems on the Financial Performance of Commercial Banks in Uganda

2018 ◽  
Vol 66 (6) ◽  
pp. 1627-1635
Author(s):  
Isah Serwadda
Keyword(s):  
Risk Management ◽  
Credit Risk ◽  
Financial Performance ◽  
Commercial Banks ◽  
Risk Measures ◽  
Secondary Data ◽  
Credit Risk Management ◽  
Loan Loss ◽  
Loan Loss Provisions ◽  
The Impact

The paper is set to analyse the impact of credit risk management on the financial performance of commercial banks in Uganda for a period of 2006–2015 using panel data for a sample of 20 commercial banks. The study employs return on assets as a dependent variable and non‑performing loans, growth in interest earnings and loan loss provisions to total loans as credit risk measures. Secondary data is sourced from the Bank scope database, African development bank and the central bank of Uganda. The study employs descriptive statistics, regressions and correlation analysis. Regression models are to estimate the magnitude of significance of credit risk management on the performance of commercial banks in Uganda. The study revealed that credit risk management impacts on the performance of Ugandan commercial banks. The results portrayed that banks’ performance was inversely influenced by non‑performing loans which may expose them to large magnitudes of illiquidity and financial crisis. Thus given such results, the researcher recommends that banks need to enhance their credit risk management techniques not only to earn more profits but also to maintain a qualitative asset portfolio and attention be given to non‑performing loans, loan loss provision to total loans and growth in interest earnings that were found to be significant. Banks need to design appropriate credit policies that must handle all necessary conditions before advancing credit to their customers and also develop strong credit administration committees and teams that must conduct appropriate and sound loan appraisal evaluations and which must also monitor the loans throughout the required processes right from extending a loan to a customer up to the completion of loan repayments so as to mitigate credit risks.

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