scholarly journals Pengaruh Dana Pihak Ketiga (DPK), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF) terhadap Likuiditas Bank Umum Syariah (BUS) Periode 2015-2017

2019 ◽  
Vol 4 (1) ◽  
pp. 33
Author(s):  
Mayvina Surya Mahardhika Utami ◽  
Muslikhati Muslikhati
Keyword(s):  
Regression Analysis ◽  
Commercial Bank ◽  
Significant Influence ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Third Party ◽  
The Third ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Research Type

This research present to analyze the Third Party Fund (DPK), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF) to liquidity in Islamic Bank as a whole. The period used in this study is 2015 to 2017. This research type and uses an approach to not exist or not based on one or more variables. The variables in this research are Third Party Fund (DPK), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF). While the dependent variable in this research is liquidity at Sharia Commercial Bank. The data used is secondary data from webside BI and OJK, while the data analysis technique is Multiple Regression Analysis. The results of this study indicate that the variable of Third Party Funds (DPK), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF) simultaneously have a significant influence on the level of liquidity. While partially DPK and NPF have a significant influence, whereas CAR has no significant effect.

scholarly journals Faktor-Faktor yang Mempengaruhi Penyaluran Kredit pada Bank Umum Periode 2008-2012

2015 ◽  
Vol 6 (2) ◽  
pp. 81
Author(s):  
Diana Hasyim
Keyword(s):  
Path Analysis ◽  
Commercial Bank ◽  
T Test ◽  
Capital Adequacy ◽  
Third Party ◽  
Return On Assets ◽  
The Third ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Indirect Impact

This research purposes to understand the direct and indirect impact of ‘Third Party Funds’, ‘Non Performance Loan’, ‘Return On Assets’ and ‘Capital Adequacy Ratio’ to Banking Lending. Population of the research is ‘go public’ commercial bank in Indonesia in which 23 of them taken as sampel of research which were selected purposively based on the assumption that they became ‘go public’ in the period of 2008-2012. Whereas, the data analyzed by path analysis technique, while both ‘t-test’ and ‘correlation test’ were used in testing of hypothesis. Then, the finding shows that both variable of ‘third party funds’ and ‘return on assets’ impact significantly to ‘Capital Adequacy Ratio’. Furthermore, the ‘Third Party Funds’ and ‘return on assets’ impact positively to the Banking Lending, while Non-Performance Loan and Capital Adequacy Ratio impact significant negatively to Banking Lending

scholarly journals ANALISIS TINGKAT PROFITABILITAS BANK DENGAN METODE RISK BASED BANK RATING

2018 ◽  
Vol 22 (2) ◽  
pp. 69-82
Author(s):  
Meliske Sitanaya
Keyword(s):  
Regression Analysis ◽  
Data Analysis ◽  
Commercial Bank ◽  
Significant Influence ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Panel Regression ◽  
Independent Variables ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio

This research aims to analyze whether the, Non-Performing Loan (NPL), Loan to Deposit Ratio (LDR), Net Interest Margin (NIM),) and Capital Adequacy Ratio (CAR) have significantinfluencesimultaneously and partially toward Return On Asset (ROA). This research classifiedthe verifiation research. The population is conventional commercial bank period 2006-2015. Sample was determined by the higher bank asset, a total of ten companies. The secondary data were taken such as from financialreport of Banks started from 2006 until 2015. The technique of data analysis in this research using panel regression analysis. ROA as a dependent variable, NPL, LDR, NIM and CAR as independent variables. Data processing using E-views 6. The result provides evidence that NPL and CAR have significantinfluencesimultaneously toward ROA, while NIM and LDR are not significantinfluencesimultaneously toward ROA. NPL partially have negative significantinfluencetoward ROA, LDR and NIM partially positive are not significantinfluencetoward ROA, and CAR partially have positive significant influence towd ROA.

scholarly journals FAKTOR PENENTU PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA (Pasca Peralihan Tugas Pengawasan Perbankan dari BI ke OJK)

2018 ◽  
Vol 1 (1) ◽  
pp. 53
Author(s):  
Fitra Rizal
Keyword(s):  
Linear Regression ◽  
Commercial Bank ◽  
Commercial Banks ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Islamic Banking ◽  
Banking Supervision ◽  
Return On Assets ◽  
Analysis Technique ◽  
Capital Adequacy Ratio

Abstract: This research was conducted to determine the determinants of profitability on Sharia Commercial Bank after the transfer of banking supervision duties from Bank Indonesia to the Otoritas Jasa Keuangan. The data used in this research are secondary data obtained from Islamic Banking Statistics published by the Otoritas Jasa Keuangan and Bank Indonesia.The analysis technique used is multiple linear regression using the classic assumption test first.The results of the analysis show that the regression equation used has passed the classic assumption test. This research proves that partially, only the Operational Expenses to Operational Revenue variables that affect Return on Assets of Islamic Commercial Banks in Indonesia for the 2015-2018 Period,while the variable Capital Adequacy Ratio and Inflation did not affect Return on Assets of Sharia Commercial Banks in Indonesia for the 2015-2018 period. And simultaneously the three variables have an effect on Return on Assets of Islamic Commercial Banks in Indonesia for the 2015-2018 Period. الملخص: تم إجراء هذا البحث لتحديد محددات ربحية البنك الاسلامي التجاري بعد انتقال مهام الإشراف المصرفي من بنك إندونسيا إلى هيئة الخدمات المالية البيانات المستخدمة في هذه الدراسة هي بيانات ثانوية تم الحصول عليها من إحصاءات المصرفية الإسلامية التي نشرتها هيئة الخدمات المالية وبنك أندونيسيا. الطريقة التحليلية المستخدمة هي الانحدار الخطي المتعدد باستخدام اختبار الافتراض الكلاسيكي أولاً. توضح نتائج التحليل أن معادلة الانحدار المستخدمة اجتازت اختبار الافتراض الكلاسيكي. تثبت هذه الدراسة أن جزئية،المصروفات التشغيلية لمتغير الإيرادات التشغيلية التي تؤثر على العائد على موجودات البنوك التجارية الإسلامية في إندونيسيا للفترة 2015-2018 ، أن متغير نسبة كفاية رأس المال والتضخم لا يؤثر على العائد على الأصول البنوك الإسلامية في إندونيسيا فترة 2015-2018.في وقت واحد, المتغيرات الثلاثة العائد على الأصول تأثير المصارف الإسلامية في إندونيسيا فترة 2015-2018Abtrak: Penelitian ini dilakukan untuk mengetahui faktor penentu profitabilitas Bank Umum Syariah pasca peralihan tugas pengawasan perbankan dari Bank Indonesia ke Otoritas Jasa Keuangan. Data yang digunakan dalam penelitian ini adalah data sekunder yang diperoleh dari Statistik Perbankan Syariah yang dipublikasikan oleh Otoritas Jasa Keuangan dan Bank Indonesia. Teknik analisis yang digunakan adalah regresi linier berganda dengan menggunakan uji asumsi klasik terlebih dahulu. Hasil analisis menunjukkan bahwa persamaan regresi yang digunakan telah lolos uji asumsi klasik. Penelitian ini membuktikan bahwa secara parsial, hanya variabel Operational Expenses to Operational Revenue yang berpengaruh terhadap Return on Asset Bank Umum Syariah di Indonesia Periode 2015-2018, sementara variabel Capital Adequacy Ratio dan Inflasi tidak berpengaruh terhadap Return on Asset Bank Umum Syariah di Indonesia Periode 2015-2018. Dan secara simultan ketiga variabel tersebut Berpengaruh terhadap Return on Asset Bank Umum Syariah di Indonesia Periode 2015-2018.

scholarly journals An Analyzing Of Factors Affecting on Profitability In BRI Syariah

2021 ◽  
Vol 1 ◽  
pp. 439-449
Author(s):  
Kiki Sagita ◽  
Rendra Erdkhadifa
Keyword(s):  
Secondary Data ◽  
Capital Adequacy ◽  
Third Party ◽  
Islamic Banks ◽  
Factors Affecting ◽  
Operating Income ◽  
Simultaneous Test ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Operating Margin

The research is motivated by the level of profitability which is a benchmark for Islamic banks in generating profits which is still not stable and tends to decrease every year. The factors that can affect the level of profitability of Islamic banks are Third Party Funds (DPK), Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), Financing to Deposit Ratio (FDR), Net Operating Margin (NOM), and Operating Expenses for Operating Income ( BOPO). The purpose of this study was to determine the effect of the variables TPF, CAR, NPF, FDR, NOM, and BOPO on the profitability of BRI Syariah Bank and to find out which variables had the most significant effect on the profitability of BRI Syariah Bank. The data used in this study is secondary data obtained from the quarterly financial statements of BRI Syariah Bank for the period 2012 to 2020. The data analysis technique used multiple linear regression consisting of multicollinearity test, multiple regression analysis, simultaneous test, partial test, and classical assumption test of residuals. The test results show that NPF, CAR, NPF, FDR, and NOM have a significant effect on the profitability of BRI Syariah Bank

scholarly journals Pengaruh CAR, ROA, NPM dan LDR terhadap Pertumbuhan Laba Bank

2014 ◽  
Vol 2 (1) ◽  
pp. 19-35
Author(s):  
Ermaini Ermaini ◽  
Irmanelly Irmanelly
Keyword(s):  
Regression Analysis ◽  
Significant Influence ◽  
Secondary Data ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Profit Margin ◽  
Capital Adequacy Ratio ◽  
Net Profit ◽  
Profit Growth

This research aims to estimates the effect of CAR, ROA, NPM and LDR to bank profit growth case study at PT. Bank Mandiri, Tbk in the period 2002.I-2009.IV. The data which is used are secondary data in the form of quarterly financial statements published by PT. Bank Mandiri, Tbk . This study uses ratio analysize and regression analysis. Variable of CAMEL are independent of the ratio Capital Adequacy Ratio(CAR), Return on Asset (ROA), Net Profit Margin (NPM) dan Loan to Deposit Ratio (LDR).While the variable dependent is profit growth. The results showed that only variable of NPM which has significant influence on the growth of banking profits.

scholarly journals Pengaruh Dana Pihak Ketiga, Capital Adequacy Ratio, Non Performing Loan Dan Tingkat Suku Bunga terhadap Penyaluran Kredit Bank Umum yang Terdaftar di Bursa Efek Indonesia

2021 ◽  
Vol 21 (1) ◽  
pp. 34
Author(s):  
Venna Melinda ◽  
Velicia Velicia ◽  
Kenji Lau ◽  
Rafida Khairani
Keyword(s):  
Interest Rates ◽  
Commercial Bank ◽  
Total Population ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Third Party ◽  
Bank Credit ◽  
Ratio Scale ◽  
Capital Adequacy Ratio ◽  
Scale Data

Today's developing economy encourages banks to focus on raising funds and channeling credit to people who need them to meet their needs. The funds he raises are known as DPK. The purpose of this research is to examine and analyze the effect of Third Party Funds, Capital Adequacy Ratio, Non-Performing Loans and Interest Rate Stimulant and Partial on Commercial Bank Credit Distribution listed on the IDX. This type of research used is quantitative. The research is causal and the data is quantitative with a ratio scale. Data collected documentation and secondary data. The total population of commercial banks listed on the IDX in 2014 - 2018 in 45 banks. The research sample consisted of 22 companies. This study was analyzed by multiple linear regression. The result is that Third Party Funds, Non-Performing Loans, Capital Adequacy Ratio, and Partial and stimulant Interest Rates have an influence on Commercial Bank Credit Distribution listed on the IDX.

scholarly journals ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI KREDIT KONSUMSI PADA BANK PERSERO DI INDONESIA

2019 ◽  
Vol 2 (1) ◽  
pp. 160-166
Author(s):  
Nur Faricha
Keyword(s):  
Exchange Rate ◽  
Linear Regression ◽  
Exchange Rates ◽  
Consumer Credit ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Third Party ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Independent Variable

This study aims to determine the effect of Third Party Funds, Inflation, Exchange Rates, and Capital Adequacy Ratio on consumer credit at Bank Persero in Indonesia. While this study uses secondary data. The analysis technique used is multiple linear regression with the results of the Independent variable test showing that Third Party Funds, inflation, and the Capital Adequacy Ratio have a positive and significant effect on consumer credit at Bank Persero in Indonesia. While the exchange rate has no significant effect on consumer credit at Bank Persero in Indonesia.

scholarly journals Efficiency and Rentability of Islamic Banks in Indonesia

INOVATOR ◽  
2020 ◽  
Vol 9 (1) ◽  
pp. 41
Author(s):  
Sugeng Haryanto ◽  
Yanuar Bachtiar ◽  
Wildani Khotami
Keyword(s):  
Secondary Data ◽  
Capital Adequacy ◽  
Islamic Banks ◽  
Bank Efficiency ◽  
Macroeconomic Factors ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Operating Margin ◽  
Financing Risk ◽  
Quantitative Descriptive

<table border="1" cellspacing="0" cellpadding="0"><tbody><tr><td valign="top" width="454"><p><em>This study aims to analyze the influence of macroeconomic factors, efficiency, risk, financing to deposit ratio and CAR on the rentability of Islamic banks. This research is a quantitative descriptive. The study period was conducted in 2010-2019, with quarterly data. The data source is secondary data. Data collection techniques are done by documentation. Data is taken from www.ojk.go.id and www.bi.go.id. The type of data used is quantitative data. The research variables are rentability, efficiency, financing risk, FDR, Capital Adequacy Ratio (CAR) and macroeconomic data in the form of GDP and inflation. Rentability is measured by Nett operating margin (NOM), bank efficiency is measured using BOPO and financing risk is measured by non-performing financing (NPF). The analysis technique used is multiple linear regression. The results showed that the GDP variable did not affect rentability. Efficiency, risk, and CAR affect rentability. FDR does not affect rentability</em><em>.</em></p></td></tr></tbody></table>

scholarly journals ANALISIS PERBEDAAN RASIO KEUANGAN BANK UMUM KONVESIONAL DAN BANK UMUM SYARIAH SERTA PENGARUHNYA TERHADAP PENYALURAN KREDIT ATAU PEMBIAYAAN (Studi empiris yang tedrdaftar di BEI periode 2013-2016)

2017 ◽  
Vol 5 (1) ◽  
pp. 9-23
Author(s):  
Dika Ismawati ◽  
Edy Supriyono
Keyword(s):  
Commercial Bank ◽  
Commercial Banks ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Financial Ratios ◽  
Operating Efficiency ◽  
Analysis Technique ◽  
Significant Difference ◽  
Negative Effect ◽  
General Data

This study aims to obtain evidence of differences in financial ratios of conventional commercial banks and sharia commercial banks, as well as the influence of financial ratios, liquidity, capital adequacy, problem loans, profitability, operating efficiency of lending. This study uses secondary data. The sample in this research is conventional commercial bank and sharia public bank listed on BEI with 4 year observation period (2013-2016). This sample was chosen by purposive sampling method. Independent sample t-test is used to test whether there is difference of average of two interconnected samples, multiple linear regression is used as data analysis technique as many as 148 general data of banking company, conventional bank and syariah commercial bank as many as 44 company data period 2013-2016 . The results of this study indicate that there are differences in average liquidity, problem loans, profitability, operating efficiency, While the average capital adequacy there is no significant difference between conventional commercial banks and sharia banks. While liquidity and profitability have a positive effect on lending, non performing loans and operating efficiency have a negative effect on lending, and capital adequacy does not affect credit disbursement.  

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

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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