scholarly journals What Determines the Financial Performance of Islamic Banks in Indonesia?

2021 ◽  
Vol 10 (2) ◽  
pp. 195
Author(s):  
Early Ridho Kismawadi ◽  
Abdul Hamid ◽  
Rasydah Rasydah ◽  
Aigatama Rafida
Keyword(s):  
Financial Performance ◽  
Random Effect ◽  
Random Effect Model ◽  
T Test ◽  
Capital Adequacy ◽  
Islamic Banks ◽  
F Test ◽  
Effect Model ◽  
Panel Data Regression ◽  
Capital Adequacy Ratio

This study aims to determine the effect of the Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), and Operational Efficiency Ratio (OER) at Islamic Commercial Banks in Indonesia for the 2010-2019 period. The test was carried out using panel data regression with the Random Effect Model (REM) model, tested using the t-test and f test with a significance of 5%. Based on the results of the t-test, partially, OER has a negative and significant effect on Return on Assets (ROA), whilst NPF and CAR do not significantly affect ROA. Moreover, the results of the F-test show that CAR, NPF, and OER simultaneously affect ROA. The results of this study indicate that to maximize the financial performance of Islamic banking in Indonesia, the Islamic banks must pay attention to the OER variable.==========================================================================================================ABSTRACT - Determinan Apa yang Mempengaruhi Kinerja Keuangan Bank Syariah di Indonesia? Penelitian ini bertujuan untuk menganalisis pengaruh Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), dan Beban Operasional terhadap Pendapatan Operasional (BOPO) pada Bank Umum Syariah di Indonesia periode 2010-2019. Pengujian dilakukan menggunakan regresi data panel dengan model Random Effect Model (REM) yang pengujiannya menggunakan uji t dan uji f dengan signifikansi yaitu 5%. Berdasarkan hasil uji t, secara parsial BOPO berpengaruh negatif dan signifikan terhadap Return on Asset (ROA), sedangkan variabel NPF dan CAR tidak memiliki pengaruh yang signifikan terhadap ROA. Selanjutnya, hasil uji F menunjukkan bahwa CAR, NPF, dan BOPO secara simultan berpengaruh terhadap ROA. Hasil penelitian ini memberikan rekomendasi kepada Bank Syariah di Indonesia agar memberikan perhatian yang lebih serius terhadap variabel BOPO jika ingin memaksimalkan kinerja keuangannya..

scholarly journals Faktor-Faktor Yang Mempengaruhi Capital Adequacy Ratio (CAR) Bank Umum Syariah di Indonesia

2017 ◽  
Vol 4 (4) ◽  
pp. 312
Author(s):  
Yeano Dwi Andhika ◽  
Noven Suprayogi
Keyword(s):  
Fixed Effect Model ◽  
Capital Adequacy ◽  
Islamic Banks ◽  
Estimation Model ◽  
Return On Equity ◽  
Effect Model ◽  
Panel Data Regression ◽  
Capital Adequacy Ratio ◽  
Data Regression ◽  
Level Of Significance

Capital adequacy regulation imposed on banks, including Islamic banks, is part of the regulators’ efforts to ensure that banks have adequate capital in order to get them prepared facing the risks that might arise in their operations. This research aims to find the effects of Islamic banks’ specific variables on Capital Adequacy Ratio (CAR), the capital adequacy indicator in banks.Using panel data regression, this research investigates the possible effects of four bank spesific variables which are Bank Size (LNSIZE), Non-Performing Financing (NPF), Return on Equity (ROE), and Financing to Deposit Ratio (FDR) on Capital Adequacy Ratio (CAR). There are 11 Indonesia’s Islamic commercial banks during 2011 to 2015 used as sample. As Fixed Effect Model (FEM) chosen to be the estimation model, this research indicates that LNSIZE, NPF, ROE and FDR have significant effects on CAR with different level of significance.

scholarly journals Determinan Financing to Deposit Ratio Bank Umum Syariah di Indonesia Periode 2012-2015

2017 ◽  
Vol 4 (11) ◽  
pp. 860
Author(s):  
Didit Prakoso ◽  
Achsania Hendratmi
Keyword(s):  
T Test ◽  
Capital Adequacy ◽  
Quantitative Approach ◽  
Coefficient Of Determination ◽  
Islamic Banks ◽  
Return On Assets ◽  
F Test ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Approach Method

The research aimed to know the influence of Capital Adequacy Ratio (CAR), Return on Assets (ROA) and Size of the Financing to Deposit Ratio (FDR) Islamic Banks in Indonesia by using 11 Islamic Banks registered at Bank Indonesia the period 2012 to 2015 as samples. The research used a quantitative approach method. The analysis technique used multiple linearregression analysis and the equation is Y = 0,330 + 1,294(CAR) – 5,931(ROA) + 0,028 (Size). Based on the result of t-test (partial), CAR, ROA and Size significantly affects of FDR with the results of each 6,727, -2,831, 2,564. While the results of f-test (simultant) showed that CAR, ROA and Size significant effect on of FDR with a significance value 0.000. the coefficient of determination shows the value of R-Square (R2) of 54.0%. while the remains of 46% wasexplained by other variables outside the model.

scholarly journals PENGARUH KINERJA KEUANGAN DAN EFISIENSI TERHADAP RATE OF RETURN SIMPANAN MUDHARABAH BANK UMUM SYARIAH

2021 ◽  
Vol 8 (1) ◽  
pp. 1
Author(s):  
Rifka Mifta Aulia ◽  
Lina Nugraha Rani
Keyword(s):  
Random Effect ◽  
Random Effect Model ◽  
Capital Adequacy ◽  
Rate Of Return ◽  
Return On Equity ◽  
Islamic Bank ◽  
Net Interest Margin ◽  
Effect Model ◽  
Capital Adequacy Ratio ◽  
Interest Margin

ABSTRAKPenelitian ini bertujuan untuk mengetahui pengaruh Financial Performance Return on Asset (ROA), Return on Equity (ROE), Financing to Deposit Ratio (FDR), Giro Wajib Minimum (GWM), Biaya Operasional terhadap Pendapatan Operasional (BOPO), Net Interest Margin (NIM), dan Capital Adequacy Ratio (CAR) terhadap Rate of Return (ROR) Bank Syariah. Random Effect Model (REM) digunakan dalam penelitian ini untuk menguji hubungan variabel independen terhadap variabel dependen, baik secara parsial maupun simultan. Hasil penelitian menunjukkan bahwa Return on Assets (ROA), Return on Equity (ROE), dan Net Interest Margin (NIM) berpengaruh positif dan signifikan terhadap Rate of Return (ROR) Bank Syariah. Sedangkan Capital Adequacy Ratio (CAR) berpengaruh negatif dan signifikan terhadap Rate of Return (ROR) Bank Syariah. Variabel FDR, GWM, dan Efisiensi Operasional serta Rasio Efisiensi Biaya tidak berpengaruh terhadap Rate of Return (ROR) Bank Syariah. Hal ini dipertimbangkan Bank Islam dapat meningkatkan rasio ROE, sehingga dapat meningkatkan modal untuk efektivitas tingkat pengembalian, dan membuat rasio Net Interest Margin menjadi lebih efisien.Kata kunci: ROA, ROE, FDR, GWM, BOPO, NIM, CAR, Bank Umum Syariah, Rate of Return. ABSTRACTThis study aims to determine the effect of Financial Performance Return on Asset (ROA), Return on Equity (ROE), Financing to Deposit Ratio (FDR), Minimum Statutory Reserves (GWM), Operating Costs to Operating Income (BOPO), Net Interest Margin (NIM), and Capital Adequacy Ratio (CAR) on the Rate of Return (ROR) of Islamic Bank. Random Effect Model (REM) is used in this study to examine the relationship of independent variables to the dependent variable, both partially and simultaneously. The finding shows that Return on Assets (ROA), Return on Equity (ROE), and Net Interest Margin (NIM) have positive and significant effect on the Rate of Return (ROR) of Islamic Bank. Meanwhile, Capital Adequacy Ratio (CAR) has negative and significant effect on the Rate of Return (ROR) of Islamic Bank. Financing to Deposit Ratio (FDR), Reserve Requirement (GWM), and Operational Efficiency and Cost Efficiency Ratio variables have no effect on the Rate of Return (ROR) of Islamic Bank. This considered for the Islamic Bank to increase the ROE ratio, thus it can increase capital for the effectiveness of the rate of return, and make the Net Interest Margin ratio more efficient.Keyword: ROA, ROE, FDR, GWM, BOPO, NIM, CAR, Islamic Commercial Banks, Rate of Return.

scholarly journals Determinant of sharia banks profitability in Indonesia: The moderating effect of non performing financing

2021 ◽  
Vol 10 (1) ◽  
pp. 70
Author(s):  
Darmawati Muchtar ◽  
Fahmi Azhari ◽  
Iswadi Bensaadi
Keyword(s):  
Random Effect ◽  
Random Effect Model ◽  
Operating Cost ◽  
Analysis Data ◽  
Capital Adequacy ◽  
Operating Income ◽  
Effect Model ◽  
Capital Adequacy Ratio ◽  
Negative Effect

This study aims to analyze the effect of capital adequacy ratio (CAR), operating cost of operating income (BOPO) on profitability and examine the role of non performing financing (NPF) in influencing the relationship between CAR and BOPO on profitability of sharia bank in Indonesia. The data used in this study is a panel data that consisting of 10 sharia banks for the period 2010-2018 with 99 observations. The method of analysis data is multiple regression analysis with random effect model. The results of this study in model one show that BOPO has negative and significantly affects profitability, meanwhile CAR has positive but insignificant effect, while and NPF has negative effect on profitability but insignificant in model two. Furthermore, when NPF interected with CAR shows interesting results, in which CAR has negative and significant effect on profitability, while BOPO is still consistent with negative and significant effect on profitability. This suggests that the NPF moderates the influence of CAR and BOPO on profitability. This implies that increase NPF would decrease the effect of CAR on profitability and the effect of BOPO on profitability would be strangted of syaria bank in Indonesia. Keywords: Capital adequacy ratio; BOPO; non performing financing, profitability

scholarly journals Determinants of capital adequacy ratio in Kuwaiti banks

2015 ◽  
Vol 4 (4) ◽  
pp. 315-322 ◽  
Author(s):  
Moeidh Alajmi ◽  
Khalid Alqasem
Keyword(s):  
Random Effect ◽  
Random Effect Model ◽  
Negative Relationship ◽  
Fixed Effect Model ◽  
Capital Adequacy ◽  
Dividend Payout ◽  
Return On Equity ◽  
Five Factors ◽  
Effect Model ◽  
Capital Adequacy Ratio

The aim of this study is to identify the effects of seven internal factors of five conventional Kuwaiti banks on capital adequacy ratio (CAR). The five factors are: Loans to Assets, Loans to Deposits, Non-Performing Loans to Total Loans, Return on Assets, Return on Equity, Dividend Payout and Total Liability to Total Assets. The study covers the period from 2005 to 2013. The study shows that under fixed effect model, variables DIVIEDEND, LAR, LDR, NPLLR, and ROE do not have any impact on capital adequacy ratio. However, SIZE has a significant and negative relationship with capital adequacy ratio. Also, ROA shows a significant and negative relationship with capital adequacy ratio. Under random effect model, results indicate that CAR is adversely affected by bank’s SIZE (total liability to assets), and ROA has a significant and negative relationship with capital adequacy ratio, However, Loan to Deposit Ratio (LDR) showed a significant and positive relationship with capital adequacy ratio. On the other hand, dividend payout, loans to assets, Non-Performing Loans to Total Loans and Return on equity do not have significant effect on CAR under random effect model.

scholarly journals Financial Determinants of Qardhul Hasan Financing Growth: Evidence from Islamic Banks in Indonesia

2016 ◽  
Vol 3 (1) ◽  
pp. 038
Author(s):  
Agus Saur Utomo ◽  
Novita Kusuma Maharani ◽  
Danes Quirira Octavio
Keyword(s):  
Random Effect ◽  
Random Effect Model ◽  
Fixed Effect Model ◽  
Capital Adequacy ◽  
Financial Ratios ◽  
Return On Equity ◽  
Net Interest Margin ◽  
Effect Model ◽  
Capital Adequacy Ratio ◽  
Interest Margin

The purpose of this paper is to investigate the financial factors that determine the growth of qardhul hasan financing in the sharia banks in Indonesia. We employ financial ratios such as Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), Net Interest Margin (NIM), Operational Cost to Operational Income (BOPO), Return on Asset (ROA) and Return on Equity (ROE) to explain the growth of qardhul hasan during 2011 to 2014.  This paper utilizes the fixed effect model and the random effect model to provide empirical evidences. The empirical result demonstrates that Non-Performing Financing (NPF), Net Interest Margin (NIM), Return on Asset (ROA) and BOPO have significance relationship to the qardhul hasan financing. The finding shows that the growth of qardhul hasan financing in sharia banks is influenced by financial ratios of NIM, NPF, BOPO and ROA. This finding adds important evidence to the existing research on qardhul hasan financing in sharia banks.

Tingkat Kemiskinan di Sumatra Selatan dan Analisisnya

2020 ◽  
Vol 8 (2) ◽  
pp. 127-133
Author(s):  
Doni Putra ◽  
Rifki Khoirudin
Keyword(s):  
Research Method ◽  
Random Effect ◽  
Random Effect Model ◽  
Poverty Rate ◽  
Variable Number ◽  
Regression Method ◽  
Poverty Level ◽  
Effect Model ◽  
Panel Data Regression ◽  
Data Regression

This study aims to determine the factors that affect the poverty rate of regencies / cities in South Sumatra Province in 2011 to 2017. In this study the factors that affect poverty rates are related to unemployment, HDI, MSE, and population. The research method used is the panel data regression method using the help of Eviews software. The final thanks is the Random Effect Model. The results of this study are the variable Number of Population has a significant effect on the level of poverty in the District / City in South Sumatra Province. However, the Unemployment Rate Variable, HDI, and UMK were not significant to the poverty level in the regencies / cities in South Sumatra Province.

scholarly journals Analysis Of Effect Of ZIS (Zakat, Infaq, And Shadaqah), Regional Domestic Products Of Bruto, Regional Minimum Wage And Inflation On Levels Poverty In Indonesia 2012 – 2016

2019 ◽  
Vol 2 (2) ◽  
pp. 193-211
Author(s):  
Fiky Nila Mustika ◽  
Eni Setyowati ◽  
Azhar Alam
Keyword(s):  
Panel Data ◽  
Random Effect ◽  
Random Effect Model ◽  
Secondary Data ◽  
Minimum Wages ◽  
Effect Model ◽  
Panel Data Regression ◽  
The Impact ◽  
Poverty Levels ◽  
Domestic Products

This study investigated the impact of ZIS (Zakat, Infaq, and Sadaqah) Gross Regional Domestic Products, Regional Minimum Wages, and Inflation on Poverty Levels in Indonesia during the 2012-2016 period. .This paper used secondary data in the panel data form. This research conducted a quantitative approach using panel data regression. Based on the results of the panel data testing, the best model chosen is the Random Effect Model (REM). Variables of gross regional domestic products and regional minimum wages have a significant effect on poverty levels in Indonesia while the variables of zakat, infaq, and shadaqah (ZIS) and inflation do not influence the level of poverty in Indonesia.

scholarly journals PENGARUH STRUKTUR DAN KONSENTRASI KEPEMILIKAN, MODEL BANK PADA KINERJA PERBANKAN

2020 ◽  
Vol 5 (2) ◽  
pp. 162
Author(s):  
Nadya Dianitasari ◽  
Hersugondo Hersugondo
Keyword(s):  
Financial Performance ◽  
Random Effect ◽  
Random Effect Model ◽  
State Ownership ◽  
Ownership Concentration ◽  
Return On Assets ◽  
Purposive Sampling ◽  
Effect Model ◽  
Analysis Technique ◽  
Model Bank

<p><em>This study aims to analyze the effect of banks model, the different types of ownership, and ownership concentration on bank financial performance. State ownership, domestic ownership and foreign ownersip were used as the ownership indicators and Return On Asset (ROA) ratio were used as the proxied of financial performance. The Population that was used in this research consisted of all conventional and islamic commercial banks which is listed in Directory of Indonesian Banking 2018 and published the financial statements during 2014-2019. After passed the purposive sampling method there were 94 banks obtained as samples. The data analysis technique used is descriptive statistic, classical assumption test and panel regression test with random effect model. The result of this research showed that banks model and state ownership have positively significant impact on ROA and foreign ownership has negatively significant impact while domestic ownership and ownership concentration have insignificantly impact on bank financial performance</em></p><p><em><br /></em></p><p><em>Penelitian ini memiliki tujuan yaitu untuk menganalisis pengaruh struktur kepemilikan bank yang terdiri dari kepemilikan pemerintah, domestik dan asing, lalu model bank dan konsentrasi kepemilikan terhadap kinerja keuangan perbankan. Kinerja keuangan tersebut diukur dengan rasio profitabilitas yang diproksikan dengan Return On Assets (ROA). Populasi penelitian yang digunakan adalah bank umum syariah dan konvensional di Indonesia yang terdapat pada daftar Direktori Perbankan tahun 2018. Penelitian ini menggunakan sejumlah 94 sampel dengan metode purposive sampling. Metode analisis yang digunakan pada penelitian ini adalah statistik deskriptif, uji asumsi klasik dan regresi data panel dengan model efek random. Hasil yang didapat pada penelitian ini menunjukkan bahwa model bank dan kepemilikan pemerintah berpengaruh positif signifikan terhadap ROA dan kepemilikan asing berpengaruh negatif signifikan, sedangkan kepemilikan domestik dan konsentrasi kepemilikan tidak berpengaruh signifikan terhadap kinerja bank.</em></p>

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