scholarly journals PENGARUH PEMBIAYAAN BAGI HASIL DAN TINGKAT KESEHATAN BANK TERHADAP KINERJA KEUANGAN DENGAN PEMBIAYAAN BERMASALAH SEBAGAI VARIABEL PEMODERASI

2021 ◽  
Vol 10 (2) ◽  
pp. 188-200
Author(s):  
Dian Ratri Utami ◽  
Tri Utami
Keyword(s):  
Regression Analysis ◽  
Financial Performance ◽  
Commercial Banks ◽  
Profit Sharing ◽  
Capital Adequacy ◽  
Purposive Sampling ◽  
Moderating Variables ◽  
Capital Adequacy Ratio ◽  
Independent Variable ◽  
Bank Soundness

Abstrak: Pengaruh Pembiayaan Bagi Hasil Dan Tingkat Kesehatan Bank Terhadap Kinerja Keuangan Dengan Pembiayaan Bermasalah Sebagai Variabel Pemoderasi Penelitian ini bertujuan untuk mengetahui pengaruh dari variabel independent yaitu pembiayaan bagi hasil dan tingkat kesehatan bank terhadap kinerja keuangan dengan pembiayaan bermasalah sebagai variabel pemoderasi. Populasi yang menjadi obyek dalam penelitian ini adalah Bank Umum Syariah di Indonesia sebanyak 14 Bank yang terdaftar dalam Bank Indonesia. Pengumpulan data dengan metode purposive sampling. Sampel yang digunakan adalah 11 Bank Umum Syariah yang memiliki data sesuai dengan variabel yang dibutuhkan. Metode analisis data yang digunakan yaitu Moderated Regression Analysis (MRA). Penelitian ini menunjukan 1) Pembiayaan bagi hasil tidak memiliki pengaruh tehadap kinerja keuangan (ROA). 2) Tingkat kesehatan bank memiliki pengaruh positif signifikan pada profitabilitas kinerja keuangan perusahaan. 3) Pembiayaan bermasalah (NPF) secara simultan tidak berhasil memperkuat pengaruh pembiayaan bagi hasil terhadap kinerja keuangan. 4) Pembiayaan bermasalah (NPF) secara simultan juga tidak dapat memperkuat pengaruh tingkat kesehatan bank terhadap kinerja keuangan.Kata kunci: Pembiayaan Bagi Hasil, Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Retun On Asset (ROA)Abstract: Effect of Profit Sharing Financing and Bank Health Level on Financial Performance with Problem Financing as Moderating Variables. This study aims to determine the effect of the independent variable, profit sharing financing and bank soundness on financial performance with problem financing as a moderating variable. The population that is the object of this study is 14 Sharia Commercial Banks in Indonesia, which are registered with Bank Indonesia. Data collection using purposive sampling method. The sample used was 11 Islamic Commercial Banks that have data in accordance with the required variables. The data analysis method used is Moderated Regression Analysis (MRA). This study shows 1) Profit sharing financing has no influence on financial performance (ROA). 2) The level of soundness of a bank has a significant positive effect on the profitability of a company's financial performance. 3) Simultaneous financing (NPF) does not succeed in strengthening the effect of profit sharing financing on financial performance. 4) Simultaneous financing (NPF) also cannot strengthen the effect of bank soundness on financial performance.Keywords: Profit Sharing Financing, Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Retun On Asset (ROA)

Pengaruh DPK, NPF, CAR, Ekuivalen Bagi Hasil, Dan Sertifikat IMA Terhadap Pembiayaan Bank Umum Syariah Tahun 2012-2014

2017 ◽  
Vol 24 (2) ◽  
pp. 167-180
Author(s):  
Riska Robiyanti Erlita
Keyword(s):  
Regression Analysis ◽  
Sampling Method ◽  
Applied Research ◽  
Profit Sharing ◽  
Capital Adequacy ◽  
Third Party ◽  
Quarterly Data ◽  
Purposive Sampling ◽  
Capital Adequacy Ratio ◽  
In The Beginning

This research is included as applied research. Based on the objective, it is classifid as quantitative specifically descriptive analytical. Population used in this research is Public Sharia Bank in Indonesia. Sampling is determined by using purposive sampling method, in which 33 samples are taken. Analysis is conducted by having double regression analysis by doing classical assumption test in the beginning. This study was conducted to examine the influence of DPK (Third Party Fund), NPF (Non Performing Financing), CAR (Capital Adequacy Ratio), profit sharing equivalenceratio and the IMA Certificates toward Financing ofPublicSharia Bank in 2012 to 2014 using quarterly data. The analysis showed that only two variables that significantly influence the financing, which are third-party funds (DPK), and NPF (Non Performing Financing) while CAR (Capital Adequacy Ratio), profit sharing equivalence and IMA certificates are not proven as significant.

scholarly journals PENGARUH PENILAIAN KESEHATAN BANK TERHADAP KINERJA KEUANGAN BANK SYARIAH DI INDONESIA

2018 ◽  
Vol 3 (2) ◽  
pp. 409
Author(s):  
Welly Welly ◽  
Kurnia Krisna Hari
Keyword(s):  
Corporate Governance ◽  
Financial Performance ◽  
Commercial Banks ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Islamic Banks ◽  
Good Corporate Governance ◽  
Capital Adequacy Ratio ◽  
Operating Margin ◽  
Bank Soundness

This study aims to provide empirical evidence about the effect of bank soundness by using Risk Profile, Good Corporate Governance, Earnings, Capital (RGEC) methods on the financial performance of sharia commercial banks in Indonesia. The formulation of the problem in this research is whether there is an effect of the soundness of the Islamic Commercial Bank with the RGEC method with the banking performance in Indonesia in the 2011-2015 period? How much influence does the bank's health level have on the RGEC method on the performance of Islamic Banks in Indonesia? The research sample consisted of 7 Islamic banks in Indonesia. The data used are quarterly financial statements of sharia commercial banks and GCG implementation reports. The statistical method used to test the research hypothesis is multiple linear regression. The results of data testing stated that there was no heterocedasticity, autocorrelation, multicollinearity, and data with normal distribution. The results showed that Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), Net Operating Margin (NOM) and Capital Adequacy Ratio (CAR) had an influence on the financial performance of Islamic commercial banks, while Good Corporate Governance (GCG) did not have influence on the financial performance of Islamic commercial banks. The effect of bank soundness on the financial performance of Islamic banks was 39.40%, while 60.60% was influenced by other factors outside this study.

scholarly journals Analysis of the influence of the ratio CAR, PPAP, NPM, BOPO, LDR and IER the financial performance of the banking company listed on the stock exchange

2019 ◽  
Author(s):  
Perli Sriwahyudi
Keyword(s):  
Financial Performance ◽  
Stock Exchange ◽  
Capital Adequacy ◽  
Profit Margin ◽  
Financial Reports ◽  
Purposive Sampling ◽  
Operation Efficiency ◽  
Capital Adequacy Ratio ◽  
Net Profit ◽  
Independent Variable

The objectives of this research to analize theinfluence of Capital Adequacy Ratio (CAR), Allowancefor uncollectible (PPAP), Net Profit Margin(NPM),Operation Efficiency (BOPO), Loan to DepositRatio (LDR) and Interest Ekspanse Ratio (IER) to Returnon Asset (ROA) wich is as a proxy of FinancialPerformance Banking Firms wich listed on BEI in year2010 until year 2015 periods. This research using timeseries data from Bank Indonesia’s three monthlypublished financial reports Banking Firms wich listed onBEI in year 2010 until year 2015 periods. After passedthe purposive sampling phase, the number of validsample is 5 Banking Firms wich listed on BEI. The results showed that the variable CAR, NPM,ROA, LDR and IER no significant effect on ROA. WhilePPAP significant effect on ROA. From the dataprocessing discovered the value of R-Square 0.418747This means that the independent variable (CAR, PPAP,NPM, ROA, LDYR and IER) affect ROA (FinancialPerformance) amounting to 41.87% while the remaining58.13% influenced by other factors.

scholarly journals Kinerja Keuangan Dan Tingkat Bagi Hasil Deposito Mudharabah Pada Bank Umum Syariah Di Indonesia

2019 ◽  
Vol 4 (1) ◽  
pp. 45-66
Author(s):  
Umiyati Umiyati ◽  
Shella Muthya Syarif
Keyword(s):  
Computer Program ◽  
Profit Sharing ◽  
Capital Adequacy ◽  
Islamic Banks ◽  
Microsoft Excel ◽  
Monthly Data ◽  
Purposive Sampling ◽  
Capital Adequacy Ratio

This research aims to analyze the effect of Return On Asset (ROA), Capital Adequacy Ratio (CAR) and BOPO to the level of profit sharing mudharaba deposits Islamic Banks in Indonesia's period January 2011 – June 2015. The data used in this study are monthly data from January 2011 to June 2015. Technical sampling used in this research is purposive sampling, with a sample of 12 Islamic Banks recorded in data from Bank Indonesia. This study uses a computer program SPSS version 20.0 and Microsoft Excel 2007. The result in this research showed that Return On Asset (ROA) and Capital Adequacy Ratio (CAR) partially have significant effect on the level of profit sharing mudharaba deposits While the partial BOPO haven’t significant effect of the level of profit sharing mudharaba deposits Simultaneously, Return On Asset (ROA), Capital Adequacy Ratio (CAR) and BOPO had significant effect on the level of profit sharing mudharaba deposits The results also show that variable Return On Asset (ROA) the most dominant on the level of profit sharing mudharaba deposits with the value β of -0,273, and a significance value smaller than 0,05 (0,000 < 0, 05).

scholarly journals Determinan of Implementation Profit Sharing Financing in Islamic Banking

2019 ◽  
Vol 4 (1) ◽  
pp. 582 ◽  
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.

scholarly journals Analisis Komparasi Kinerja Keuangan pada PT. Bank Negara Indonesia (Persero) Tbk dan PT. Panin Bank Periode 2014-2018

2019 ◽  
Vol 9 (2) ◽  
pp. 58
Author(s):  
Greyti S. Y. Pongoh ◽  
William A. Areros ◽  
Joanne V. Mangindaan
Keyword(s):  
Financial Performance ◽  
Commercial Bank ◽  
Capital Adequacy ◽  
Analysis Method ◽  
Return On Assets ◽  
Financial Ratio ◽  
Capital Adequacy Ratio ◽  
Net Profit ◽  
Model Bank ◽  
Bank Soundness

In measuring the soundness of the bank, Bank Indonesia uses the financial ratio of the CAMELS model (Bank Indonesia Regulation No. 6/10 / PBI / 2004) concerning the Commercial Bank Soundness Rating System. The purpose of this research is to find out the significant differences in financial performance between PT. BNI, Tbk with PaninBank and the dominant variable as a differentiator of significant financial performance between PT. BNI, Tbk with PaninBank. The data analysis method used in this study is two different tests independent sample. The results showed that of the 5 variables, there were only two variables that were not statistically different, namely Capital Adequacy Ratio (CAR) (X1) and Loan to Deposit Ratio (LDR) (X5) while the different variables were Return On Risked Asset (RORA) ( X2), Net Profit Margin (NPM) (X3) and Return On Assets (ROA) (X4)

scholarly journals The Effects Of Ownership Structure And Listed Status On Bank Risk In China

2013 ◽  
Vol 29 (3) ◽  
pp. 695 ◽  
Author(s):  
Maoyong Cheng ◽  
Hong Zhao ◽  
Junrui Zhang
Keyword(s):  
Regression Analysis ◽  
Credit Risk ◽  
Ownership Structure ◽  
Commercial Banks ◽  
Capital Adequacy ◽  
Bank Risk ◽  
Capital Adequacy Ratio ◽  
Asset Quality ◽  
Relationship Of ◽  
The Relationship

This paper investigates the relationship of ownership structure, listed status and risk by using regression analysis based on the relevant data of Chinas commercial banks. Three main results emerge. First, compared to the state-owned banks, foreign-owned commercial banks exhibit better asset quality, lower credit risk and higher capital adequacy ratio; city commercial banks have lower credit risk and joint-stock commercial banks have lower credit risk and capital adequacy ratio. Second, listed status improves the asset quality and capital adequacy ratio. Finally, we also find that the listed status significantly moderates the relationship between ownership structure and risk. In conclusion, this study provides a theoretical reference for the reform of Chinas commercial banks.

scholarly journals DETERMINAN TINGKAT BAGI HASIL DEPOSITO MUDHARABAH PADA BANK UMUM SYARIAH DI INDONESIA

2020 ◽  
Vol 7 (9) ◽  
pp. 1714
Author(s):  
Cindra Fitrianingsih ◽  
Lina Nugraha Rani
Keyword(s):  
Gross Domestic Product ◽  
Financial Services ◽  
Quantitative Methods ◽  
Negative Impact ◽  
Sampling Technique ◽  
Profit Sharing ◽  
Capital Adequacy ◽  
Domestic Product ◽  
Purposive Sampling ◽  
Capital Adequacy Ratio

ABSTRAKPenelitian ini menggunakan metode kuantitatif untuk mengetahui hubungan antara variabel dependen dan independen dan menguji hipotesis penelitian. Data yang digunakan dalam penelitian adalah data sekunderr berupa laporan keuangan triwulan dari situs web resmi masing-masing bank, Bank Indonesia, Otoritas Jasa Keuangan (OJK). Populasi dalam penelitian ini adalah semua Bank Umum Syariah yang terdaftar di Bank Indonesia periode 2013-2020. Penelitian ini menggunakan teknik purposive sampling dalam menentukan sampel penelitian, sehingga diperoleh sampel 7 Bank Umum Syariah tahun 2013-2020. Teknik analisis yang digunakan adalah regresi data panel. Hasil dari penelitian ini menunjukkan bahwa ROA, CAR, Bank Size, BI-Rate, GDP, dan Inflasi secara simultan berpengaruh terhadap tingkat bagi hasil deposito mudharabah. Secara parsial, ROA dan Inflasi tidak berpengaruh signifikan terhadap tingkat bagi hasil deposito, CAR dan Bank Size berpengaruh negatif signifikan terhadap tingkat bagi hasil deposito, BI-Rate dan GDP berpengaruh positif signifikan terhadap bagi hasil deposito mudharabah Bank Umum Syariah di Indonesia.Kata Kunci: Tingkat Bagi Hasil Deposito, Return on Asset, Capital Adequacy Ratio, Bank Size, BI-Rate, Gross Domestic Product, Inflasi ABSTRACTThis study used quantitative methods to determine the relationship between dependent and independent variables and test the hypothesis. The data utilized in this research were secondary data from the official websites of each bank, Bank Indonesia, The Financial Services Authority (OJK), The population in this study are all Sharia Commercial Banks that registered at Bank Indonesia for the period 2013-2020. This study used a purposive sampling technique in determined the research sample so that a sample of 7 Sharia Commercial Bank samples in 2013-2020. The analysis technique used panel data regression, The results of this study show that ROA, CAR, Bank Size, BI-Rate, GDP, and simultaneously inflation affect the profit-sharing rate of mudharabah deposits. Partially, ROA and inflation did not significantly influence the level of profit-sharing of deposits, CAR, and Bank Size had a significant negative impact on the level of profit-sharing of deposits, the BI-Rate and GDP had a significant positive effect on the profit-sharing of mudharabah deposits of Islamic Banks in Indonesia.Keywords: Deposit Profit-sharing Rate, Return on Asset, Capital Adequacy Ratio, Bank Size, BI-Rate, Gross Domestic Product, Inflation

scholarly journals Effect of Capital Adequacy Ratio, Nonperporming Loan, Third Party Funds on Loan to Deposit Ratio in Private Commercial Banks in Indonesia Stock Exchange

2019 ◽  
Vol 13 (2) ◽  
pp. 153-164
Author(s):  
Nur Salma ◽  
Nur Salma
Keyword(s):  
Regression Analysis ◽  
Commercial Banks ◽  
Annual Report ◽  
Stock Exchange ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Third Party ◽  
Capital Adequacy Ratio ◽  
Private Banks ◽  
The Impact

The study aims to analyze the impact of capital adequacy ratio, non-performing loan,   third party fund on loan to deposit ratio of the private banks in Bandar Lampung. The sample used in this research were obtained from six private banks in Bandar Lampung.  Data obtained based on financial statements Annual Report of Indonesia stock Exchange (IDX) from 2009 to 2014.  The method used in this research is the dependent variable and independent, multiple regression analysis and Classical Assumption. Variable used Capital Adequacy Ratio (CAR), Nonperforming Loan (NPL), and Third-Party Fund (DPK) on Loan to Deposit Ratio (LDR). Based on the result of the research showed that the F variable CAR, NPL, and DPK together influential significantly to Loan to Deposit Ratio. The Result of partial T-test CAR negatively influential and significant with significant value is 0.007. NPL is not positively influential and not significant on LDR with significant value is 0,277 while DPK has positive influential and significant value is 0,005. The value of Adjusted R Square the value is 0.266 showed that LDR can explain by variables research as big as 26,6 %, while the rest can be explained by other factors.

scholarly journals The impact of credit risk management on the financial performance of United Arab Emirates commercial banks

2021 ◽  
Vol 10 (3) ◽  
pp. 303-319
Author(s):  
Jamil Salem Al Zaidanin ◽  
Omar Jamil Al Zaidanin
Keyword(s):  
Risk Management ◽  
Financial Performance ◽  
United Arab Emirates ◽  
Commercial Banks ◽  
Positive Impact ◽  
Capital Adequacy ◽  
Credit Risk Management ◽  
Capital Adequacy Ratio ◽  
Income Ratio ◽  
The Impact

The main purpose of this study is to measure up to what extent the independent factors defined by capital adequacy ratio, non-performing loans ratio, cost-income ratio, liquidity ratio, and loans-to-deposits ratio impact the financial performance of sixteen commercial banks operating in the United Arab Emirates using panel data for the period of 2013-2019. The secondary data was collected from banks and examined by applying standard descriptive statistics and the random effect model for hypothesis testing. It is concluded from the regression outcomes that non-performing loans ratio and cost-income ratio have a significant negative impact on commercial banks profitability in the United Arab Emirates, while capital adequacy ratio, liquidity ratio, and loans -to-deposits ratio all have a very weak positive relationship on the return on assets but they are not determinants of bank’s profitability due to the insignificant statistical impact on it. It is therefore suggested that to enhance financial performance and minimize the risk of non-performing loans in the future, banks must watch very carefully the loans’ performance and analyze thoroughly the clients’ credit history and ability to pay back their debts prior to any approval of loan applications. Furthermore, banks should continuously improve their assets utilization, liquidity, and techniques of managing operating costs, improve the impact of capital adequacy, and the use of deposits for lending activities from a weak positive impact to a significant positive impact on their profitability. The researchers recommend that future studies on credit risk management influence on banks’ financial performance should consider more independent variables and longer periods of study such as twenty or thirty years to have more accuracy and generalized results.  

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