The comparison of Islamic banks performance in Indonesia before and after the Action to Defend Islam event

Purpose – This study aims to compare the performance of Islamic banking before and after the Islamic defense action. The action to defend Islam is a manifestation of populism, which resulted in mixed responses.Method – Financial performance consisting of return on assets (ROA), financing to deposit ratio (FDR), third party funds (DPK), non performing financing (NPF) and profit sharing financing on total financing were analyzed from 30 Islamic commercial banks and Sharia business units in Indonesia. The data were analyzed using different test paired sample T-test.Result – The results show that only TPF and FDR have significant differences. The DPK value increases, while the FDR decreases.Implication – This study can support industry to consider aspects needed to be taken care of during political events.Originality – This study enriches the empirical study of political and business interaction.

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Determinan of Implementation Profit Sharing Financing in Islamic Banking

International Journal of Islamic Business Ethics ◽

10.30659/ijibe.4.1.582-594 ◽

2019 ◽

Vol 4 (1) ◽

pp. 582 ◽

Cited By ~ 1

Author(s):

Winarsih Winarsih ◽

Winda Asokawati

Keyword(s):

Multiple Regression ◽

Analytical Method ◽

Profit Sharing ◽

Capital Adequacy ◽

Third Party ◽

Islamic Banking ◽

Islamic Banks ◽

Return On Assets ◽

Purposive Sampling ◽

Capital Adequacy Ratio

One of the characteristics of Islamic banking is using the concept of profit� sharing financing. This study aims to determinan of implementation profit sharing financing, consist of Third Party Funds , Non Performing Financing, Return On Assets, Capital Adequacy Ratio� and Financing to Deposit Ratio. The population in this study are all Islamic banking which listed in Bank of Indonesia in the periode �2013 to 2016. The sample was selected using purposive sampling methodTotal samples used in this study were 11 Islamic Banks with 4-year study period, with �get sampleof 44 data.� The analytical method used in this study is multiple regression were processed using SPSS. The results of this study indicate third party funds, financing to deposit ratio� have a positive significant effect to the financing profit sharing. While non performing financing ,return on asset and capital adequacy ratio �no effect on the profit �sharing financing.

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Analysis Performance of Islamic Bank in Indonesia: Before and After the Spin Off

European Journal of Business Management and Research ◽

10.24018/ejbmr.2020.5.4.452 ◽

2020 ◽

Vol 5 (4) ◽

Author(s):

Rieke Pernamasari

Keyword(s):

Analytical Method ◽

Commercial Banks ◽

T Test ◽

The Other ◽

Islamic Banking ◽

Pure Spin ◽

Islamic Banks ◽

Paired Sample ◽

Performance Variable ◽

Before And After

This research is a proof and analytic and experimental concept. This study aims to analyze the performance of Islamic Commercial Banks (BUS) before the spin off compared to the performance after the spin off. An example of this research is a BUS that has done a pure spin off or spin off conversion. Based on the selected sample, obtained 5 BUS that will be taken as research samples, namely BRI Syariah, BJB Syariah, BNI Syariah, Bukopin Syariah, and BTPN Syariah. The performance variable used is to measure using the CAR, NPF, NPM, ROA and BOPO ratios. The analytical method used is the paired sample t-test. The results showed that for 5 years before and after the spin-off, there were those that showed the significance of Islamic banking before and after the spin-off on BNI Syariah's performance. While the other 4 Islamic banks have significant differences and are not significantly different before and after the spin off.

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Perkembangan Bank Syariah Di Indonesia: Sebuah Kajian Historis

JES (Jurnal Ekonomi Syariah) ◽

10.30736/jesa.v4i1.58 ◽

2019 ◽

Vol 4 (1) ◽

Author(s):

M. Dliyaul Muflihin

Keyword(s):

Commercial Banks ◽

Profit Sharing ◽

The State ◽

Islamic Banking ◽

Islamic Banks ◽

Conventional System ◽

Business Units ◽

History Of Development ◽

History Of ◽

Conventional Banks

Banking in Indonesia is now increasingly enlivened by the existence of Islamic banks, which offer financial and investment products in different ways than conventional banks that have long existed. Even conventional banks in Indonesia are now following the trend by establishing their own Islamic institutions or Islamic business units. Recorded in 2012 Islamic banks have increased rapidly to become 11 Islamic Commercial Banks (BUS) and 24 Sharia Business Units (UUS). Islamic banks were born and developed in Indonesia starting from the birth of Bank Muamalat in 1992. Law Number 7 of 1992 concerning banking was born because in that year Bank Muamalah was the only bank that carried out business activities based on the principle of profit sharing. Furthermore, the culmination point has been reached with the enactment of Law Number 10 of 1998 concerning banking which opens the opportunity for anyone who will establish a Shari'ah bank or who wants to convert from a conventional system to a sharia system. Until the issuance of Law No.10 of 1998. Furthermore, Law No.10 of 1998 was amended by Law No. 21 of 2008 concerning Islamic banking because on June 17 2008 the Law on Islamic Banking was adopted which promulgated in the State Gazette on July 16 2008. Keywords: History of Development, Islamic Banking, Indonesia

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The performance of Islamic banking among the commercial banks in Malaysia

Social and Management Research Journal ◽

10.24191/smrj.v5i1.5148 ◽

2008 ◽

Vol 5 (1) ◽

pp. 59

Author(s):

Samsuwatd Zuha Mohd Abbas ◽

Norli Ali ◽

Aminah Mohd Abbas

Keyword(s):

Commercial Banks ◽

Positive Impact ◽

Bank Performance ◽

Islamic Banking ◽

Islamic Banks ◽

Return On Assets ◽

Return On Equity ◽

Accounting Performance ◽

Significant Difference ◽

The Mean

This paper examines the accounting performance of the Islamic banking among (??) commercial banks in Malaysia. A total of 18 commercial banks which include 4 Islamic banks are selected as samples covering the period of 2000 - 2006. Accounting performance is measured by the return on assets (ROA) and return on equity (ROE). The objective of the study is (1) to determine whether Islamic banking performance is at par with the conventional banking and (2) to investigate whether the type (Islamic or conventional bank) and age of bank influence the performance. Result of the independence t-test of the study shows that there is no significant difference in the performance of the Islamic and the conventional banking in Malaysia although the mean score for conventional banking is higher. The regression results show that the age of banks has a positive impact on the bank performance where as none of the types of banks influence performance.

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PENGARUH KINERJA KEUANGAN TERHADAP PEMBIAYAAN BANK UMUM SYARIAH DI INDONESIA (PERIODE 2009-2013)

Journal of Islamic Economics and Finance ◽

10.22373/share.v5i2.1239 ◽

2016 ◽

Vol 5 (2) ◽

Author(s):

Irma Safitri ◽

Nadirsyah Nadirsyah ◽

Darwanis Darwanis

Keyword(s):

Commercial Banks ◽

Research Data ◽

Capital Adequacy ◽

Third Party ◽

Islamic Banking ◽

Islamic Banks ◽

Independent Variables ◽

The Third ◽

Capital Adequacy Ratio ◽

Observation Period

The purposes of this research were to determine the effect of the financial performance of Islamic commercial banks in Indonesia on financing, both individually and simultaneously. The performance was measured through Third Party Funds (TPF), Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), and Financing to Deposit Ratio (FDR). These four independent variables to be tested influence on the dependent variable. This research used census method that includes all of the Islamic banks in Indonesia for observational data. Research data observation period from 2009 until 2013 a total of 11 banks. Multiple linear regression was used to analyze the data.The results of this study found that the Third Party Funds (TPF), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), and Financing to Deposit Ratio (FDR) affect the financing, both individually and simultaneously. Fluctuations in either an increase or decrease of financing that occurred in Islamic banking in Indonesia is determined by the four independent variables. That is to say, the four independent variables that have an important role in the financing of Islamic banking in Indonesia. =========================================== Penelitian ini bertujuan untuk menguji pengaruh kinerja keuangan bank umum syariah di Indonesia terhadap pembiayaan, baik secara parsial maupun simultan. Kinerja keuangan diukur melalui Dana Pihak Ketiga (DPK), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), dan Financing to Deposit Ratio (FDR) Keempat variabel bebas tersebut akan diuji pengaruhnya terhadap satu variabel tidak bebas. Penelitian ini adalah penelitian sensus, yakni memasukan semua bank umum syariah yang ada di Indonesia ke dalam data pengamatan. Periode pengamatan data penelitian dari tahun 2009 s.d 2013 yang berjumlah 11 perbankan. Metode analisis yang digunakan adalah regresi linear berganda. Hasil penelitian ini menemukan bahwa Dana Pihak Ketiga (DPK), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), dan Financing to Deposit Ratio (FDR) berpengaruh terhadap pembiayaan pada perbankan syariah di Indonesia, baik secara parsial maupun simultan. Fluktuasi baik itu peningkatan atau penurunan pembiayaan yang terjadi pada perbankan syariah di Indonesia ditentukan oleh keempat variabel bebas tersebut. Sehingga dapat dikatakan bahwa, keempat variabel bebas tersebut mempunyai peranan penting atas pembiayaan pada perbankan syariah di Indonesia.

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Rate of Return Risk pada Perbankan Syariah di Indonesia

Edugama: Jurnal Kependidikan dan Sosial Keagamaan ◽

10.32923/edugama.v6i2.1601 ◽

2020 ◽

Vol 6 (2) ◽

pp. 91-109

Author(s):

Hendra Cipta

Keyword(s):

Data Processing ◽

Research Methodology ◽

Commercial Banks ◽

Rate Of Return ◽

Islamic Banking ◽

Islamic Banks ◽

Significant Positive Effect ◽

Processing Application ◽

Business Units ◽

Positive Effect

The rate of return risk is one of the risks that Islamic banks in Indonesia should pay attention to. The purpose of this research is to predict the factors that affect the rate of return risk of Islamic banking in Indonesia (namely Islamic Commercial Banks and Sharia Business Units) from 2015 to 2019. The research methodology used is multiple regression with the EViews data processing application. version 9. The results of this study found that the deposit variable has a significant positive effect on the rate of return risk, while the BI-rate variable does not effect on the rate of return risk of Islamic banks in Indonesia. Rate of return risk merupakan salah satu risiko yang harus menjadi perhatian oleh bank syariah di Indonesia. Maksud dari penelitian ini adalah untuk memprediksi faktor-faktor yang mempengaruhi rate of return risk perbankan syariah di Indonesia (yaitu Bank Umum Syariah dan Unit Usaha Syariah) dari tahun 2015 sampai dengan tahun 2019. Metodologi penelitian yang digunakan adalah regresi berganda dengan aplikasi pengolah data EViews versi 9. Hasil penelitian ini menemukan bahwa variabel deposito mempunyai pengaruh signifikan positif terhadap rate of return risk sedangkan variabel BI-rate tidak berpengaruh terhadap rate of return risk bank syariah di Indonesia.

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Profitabilitas Bank Syariah Ditinjau dari Pembiayaan dengan Prinsip Bagi Hasil dan Kategori Usaha

Cakrawala Jurnal Studi Islam ◽

10.31603/cakrawala.v14i1.2679 ◽

2019 ◽

Vol 14 (1) ◽

pp. 48-63

Author(s):

Purwanto Purwanto

Keyword(s):

Data Analysis ◽

Commercial Banks ◽

Revenue Sharing ◽

Profit Sharing ◽

Partial Least Square ◽

Least Square ◽

Quantitative Approach ◽

Islamic Banking ◽

Negative Coefficient ◽

Business Units

As a business institution, the objectives of Islamic banking is profitability. The profit can be achieved if Islamic banking distributes financing both with the principle of buying and selling, profit sharing or services. The focus of the study was on financing with the principle of profit sharing (Mudharabah and Musyarakah). Profit sharing has been studied as a variable that can increase profitability, but there are no definite conclusions. Thus it is necessary to study whether the actual financing of profit sharing affects the level of profitability directly or through certain business categories. The type of research is causality research with a quantitative approach. The population is Sharia Commercial Banks and Sharia Business Units in the period of January 2016 to December 2018. The data analysis uses Partial Least Square (PLS). The results shows that financing with profit sharing principles is proven to directly have an influence on profitability but in a negative coefficient. This study also shows that the higher the profit sharing financing, the lower the level of profitability. However, when the revenue sharing is channeled through SMEs and non-SMEs, the results become positive and significant to profitability

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ANALISIS TINGKAT KESEHATAN BANK DAN POTENSI FINANCIAL DISTRESS MENGGUNAKAN METODE RGEC DAN ZMIJEWSKI PADA BANK BNI SYARIAH TAHUN 2015-2019

Jurnal Ekonomi Syariah Teori dan Terapan ◽

10.20473/vol8iss20215pp570-581 ◽

2021 ◽

Vol 8 (5) ◽

pp. 570

Author(s):

Muhammad Iqbal Surya Pratikto ◽

Mohammad Khoiruzi Afiq

Keyword(s):

Financial Distress ◽

Commercial Banks ◽

Research Method ◽

Quantitative Methods ◽

Financial Statements ◽

Islamic Banking ◽

Islamic Banks ◽

Negative Effects ◽

Business Units ◽

Strategic Role

ABSTRAKPerkembangan perbankan syariah yang sangat pesat telah membuat bank syariah memiliki peran strategis dalam roda perekonomian. Hal ini ditandai dengan semakin besarnya jumlah Bank Umum Syariah (BUS) dan Unit Usaha Syariah (UUS) yang saat ini mencapai 34 dengan 828 KPO/KC (Kantor Pusat Operasional/Kantor Cabang), 1.440 KCP/UPS (Kantor Cabang Pembantu/Unit Pelayanan Syariah) dan 544 KK (Kantor Kas). Penilaian tingkat kesehatan perbankan sangatlah penting, tidak hanya untuk internal perusahaan, melainkan investor, pemerintah bahkan masyarakat. Penilaian tersebut juga dapat digunakan sebagai upaya untuk menilai kinerja dan mendeteksi terjadinya potensi kebangkrutan. BNI Syariah merupakan perbankan syariah yang menduduki peringkat keempat dengan kategori kapitalisasi pasar sebagai bank syariah terbesar di Indonesia. Penelitian ini bertujuan untuk mengetahui tingkat kesehatan dan potensi financial distress pada BNI Syariah periode 2015-2020 menggunakan metode RGEC dan Zmijewski. Metode penelitian ini menggunakan metode kuantitatif deskriptif. Objek penelitian ini adalah laporan keuangan BNI Syariah tahun 2015-2020. Hasil penelitian ini menunjukkan bahwa tingkat kesehatan BNI Syariah tahun 2015-2020 menggunakan metode RGEC dan Zmijewski mendapatkan predikat sangat sehat dan stabil atau tidak berpotensi mengalami financial distress. Sehingga kinerja BNI Syariah dapat dikatakan sangat baik dalam menghadapi pengaruh negatif dari fluktuasi bisnis.Kata Kunci: Kesehatan Bank, Financial Distress, Metode RGEC, Metode Zmijewsk ABSTRACTThe development of Islamic banking is very fast and has made Islamic banks have a strategic role in the wheels of the economy. This is indicated by the increasing number of Sharia Commercial Banks (BUS) and Sharia Business Units (UUS) which currently reach 34 with 828 KPO / KC (Operational Headquarters / Branch Offices), 1,440 KCP / UPS (Sub-Branch Offices / Service Units). Sharia) and 544 KK (Cash Office). Assessment of the soundness of banking is very important, not only for internal companies, but for investors, government and even the community. This assessment can also be used as an effort to assess performance and detect potential bankruptcies. BNI Syariah is a sharia banking which is ranked fourth in the market capitalization category as the largest sharia bank in Indonesia. This study aims to determine the level of health and potential financial distress in BNI Syariah for the 2015-2020 period using the RGEC and Zmijewski methods. This research method uses descriptive quantitative methods. The object of this research is the 2015-2020 BNI Syariah financial statements. The results of this study indicate that the health level of BNI Syariah in 2015-2020 using the RGEC and Zmijewski methods gets the predicate very healthy and stable or does not have the potential to experience financial distress. So that the performance of BNI Syariah can be said to be very good in facing the negative effects of business fluctuations.Keywords: Bank Health, Financial Distress, RGEC Method, Zmijewsk Method

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ANALISIS PENGARUH FINANCING TO DEPOSIT RATIO (FDR) TERHADAP PROFITABILITAS PERBANKANSYARIAH DI INDONESIA (Rasio Keuangan pada BUS dan UUS Periode 2008-2010)

Economica Jurnal Ekonomi Islam ◽

10.21580/economica.2012.2.2.854 ◽

2016 ◽

Vol 2 (2) ◽

pp. 153

Author(s):

Suryani Suryani

Keyword(s):

Regression Analysis ◽

Linear Regression Analysis ◽

Research Data ◽

Islamic Banking ◽

Islamic Banks ◽

Simple Linear Regression ◽

Return On Assets ◽

Financial Ratio ◽

Business Units ◽

Average Return

This study aimed to (1) analyze the condition of Financing to Deposit Ratio (FDR) of Islamic Banking in Indonesia; (2) analyze the profitability of sharia banking in Indonesia; and (3) to analyze the influence of Financing to Deposit Ratio (FDR) of the profitability of sharia banking in Indonesia. This study took samples at Islamic banks in Indonesia including 11 Islamic Banks (BUS), 23 Business Units of Sharia Banking (UUS). The research data is from Islamic Banking Statistics published by Bank Indonesia from January 2008 until December 2010 (Financial Ratio Study to BUS and UUS period 2008-2010). The number of Islamic banks used is 34 banks. The technique uses simple linear regression analysis with the help of the program EVIEWS version 5. The results of analysis is further illustrated as follows: First: Financing to Deposit Ratio (FDR) of sharia banking has an average of 103.65% during the year 2008, 89.70% in 2009 and 94.37% in 2010. Overall, the average Financing to Deposit Ratio (FDR) in the three years is about 98.79%. Second: Return on Asset (ROA) is one of the profitability ratio used to measure the effectiveness of the company in generating profit by leveraging its total asset. Based on the description of the variables, it shows the average Return on Asset (ROA) in 2008 is of 1.77%, 1.98% in 2009 and 1.74% in 2010. This result indicates that the average Return on Asset (ROA) in three years of observation is still above the prevailing bank. Third: The result of regression analysis indicates no significant of Financing to Deposit Ratio (FDR) for Return on Assets (ROA). The quantity t count is 0.475 far below the t table 2.032. The result of study differs from the study of Adi Stiawan (2009), but supports the study of Nurkhosidah Siti (2010) and Yuliani (2007). This study shows no significant effect on bank profitability.

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PERBANDINGAN IMBAL HASIL KONTRAK MUDHARABAH DAN PARTISIPASI MODAL DALAM PENGHIMPUNAN DANA BANK SYARIAH DI INDONESIA

INFERENSI ◽

10.18326/infsl3.v7i1.231-254 ◽

2013 ◽

Vol 7 (1) ◽

pp. 231

Author(s):

Siti Amaroh

Keyword(s):

Third Party ◽

Islamic Banking ◽

Islamic Banks ◽

Return On Assets ◽

Monthly Data ◽

Return On Equity ◽

Research Results ◽

Operating Profit ◽

Panel Model

This study aims to compare the return between mudharabah deposits and equityparticipating in Indonesia Islamic banking and also to examine the factors that affect the returns. Employee monthly data of 3 Islamic banks over the period 2006-2011 and examined by regression panel model. This research results several substantial findings. First, return on mudharabah deposits is lower than return on equity participating. Second, return on mudrabah deposits is significantly affected by return on assets, profit attributable to third party deposits as percentage of operating profit, and total deposit to total assets. Third, return on equity is also significantly affected by return on assets, profit attributable to equity holders as a percentage of operating profit, and total equity to total assets. Fourth, return on assets affects more higher return on equity than the return on mudharabah deposits.

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