scholarly journals The Impact of Financing Risk on Islamic Banking Performance in Indonesia

2021 ◽  
Vol 10 (2) ◽  
pp. 212
Author(s):  
Iwan Setiawan
Keyword(s):  
Economic Growth ◽  
Time Series ◽  
Financial Performance ◽  
Least Square ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Bank Capital ◽  
Ordinary Least Square ◽  
Financing Risk ◽  
Capital Financing

The financing risk is a significant issue in the Islamic banking industry that affects its performance. This research aims to examine the factors that influence financing risk on the financial performance of Islamic banking in Indonesia. This study utilized time-series data quarterly from 2009-2020 collected from three types of Islamic banking in Indonesia: Islamic Commercial Bank (ICB), Islamic Business Unit (IBU), and Islamic Rural Bank (IRB). It was analyzed using multiple regression estimation techniques with the Ordinary Least Square (OLS) method. This study revealed that the Islamic banks’ financing risk is significantly influenced by bank capital, financing, economic growth, inflation, and central bank’ rate (BI rates), both negatively and positively. In detail, the increase of bank capital, financing, and economic growth will reduce the financing risks, whilst inflation and BI rate increase the financing risks. The findings also disclosed that Islamic banks' financial performance is influenced by bank capital, operating costs, financing risks, inflation, and BI rates. Thus, the decrease in bank capital, operational costs, and financing risks will subsequently decrease the financial performance, while the increase of inflation and BI rates will increase the financial performance of Islamic banks. Economic growth is the most influential factor in reducing financing risk, while financing risk is the most significant factor in improving banks’ financial performance. The government's efforts to boost economic growth are crucial to reducing financing risks and improving the financial performance of Islamic banks.==========================================================================================================ABSTRAK – Dampak Risiko Pembiayaan terhadap Kinerja Bank Syariah di Indonesia. Risiko pembiayaan merupakan persoalan utama bagi industri perbankan termasuk perbankan syariah. Tujuan dari penelitian ini adalah untuk menganalisis faktor-faktor yang mempengaruhi risiko pembiayaan dan pengaruhnya terhadap kinerja keuangan perbankan syariah di Indonesia. Objek penelitian meliputi Bank Umum Syariah, Unit Usaha Syariah dan Bank Perkreditan Rakyat syariah. Model analisis menggunakan teknik estimasi regresi berganda dengan menggunakan metode  Ordinary Least Square (OLS). Penelitian ini menggunakan data time-series periode kuartalan dari 2009-2020. Hasil penelitian ini menunjukkan bahwa risiko pembiayaan bank syariah dipengaruhi oleh modal bank, pembiayaan, pertumbuhan ekonomi, inflasi dan BI Rate. Hasil ini mengindikasikan bahwa peningkatan modal bank, pembiayaan, dan pertumbuhan ekonomi akan mengakibatkan penurunan risiko pembiayaan, sementara peningkatan inflasi dan BI Rate akan meningkatkan risiko pembiayaan. Selain itu, hasil kajian juga mendapati bahwa kinerja keuangan bank syariah dipengaruhi oleh modal bank, biaya operasional bank, risiko pembiayaan, inflasi dan BI Rate. Secara detil, penurunan modal bank, biaya operasional dan risiko pembiayaan akan meningkatkan kinerja keuangan bank syariah, sementara peningkatan inflasi dan BI Rate akan meningkatkan kinerja keuangan. Faktor yang berpengaruh paling terhadap penurunan risiko pembiayaan adalah pertumbuhan ekonomi. Penurunan risiko pembiayaan merupakan faktor yang berpengaruh paling besar terhadap peningkatan kinerja keuangan perbankan syariah. Upaya pemerintah untuk mendorong pertumbuhan ekonomi merupakan langkah yang sangat strategis mengurangi risiko pembiayaan dan meningkatkan kinerja keuangan perbankan syariah di Indonesia. 

scholarly journals Analisis faktor-faktor yang mempengaruhi pertumbuhan ekonomi di Provinsi Riau tahun 2000-2018

SOROT ◽  
2020 ◽  
Vol 15 (2) ◽  
pp. 87
Author(s):  
Miftakul Khoiri ◽  
Syapsan Syapsan ◽  
Sri Endang Kornita
Keyword(s):  
Economic Growth ◽  
Time Series ◽  
Financial Crisis ◽  
Global Financial Crisis ◽  
Capital Expenditure ◽  
Labour Force ◽  
Private Investment ◽  
Least Square ◽  
Domestic Product ◽  
Ordinary Least Square

Terdapat beberapa permasalahan yang berbeda pada sumber daya di setiap daerah, yaitu investasi, tenaga kerja dan teknologi sebagai faktor pembentuk output perekonomian daerah. Penelitian ini menganalisis hubungan antara investasi dalam bentuk Penanaman Modal Asing (PMA), Penanaman Modal Dalam Negeri (PMDN), belanja modal pemerintah, angkatan kerja dan ekspor dengan pertumbuhan ekonomi. Tujuan penelitian adalah melihat pengaruh besarnya faktor-faktor tersebut terhadap Pertumbuhan ekonomi di Provinsi Riau 2000-2018. Untuk kepentingan khusus penelitian dengan tujuan melihat pengaruh krisis keuangan global tahun 2008 terhadap pertumbuhan ekonomi maka dimasukkan variabel dummy krisis keuangan. Penelitian ini adalah penelitian kuantitatif dengan metode regresi berganda log-log linier dan data time series. Model diestimasi dengan metode Ordinary Least Square (OLS). Hasil penelitian menunjukkan bahwa PMA, PMDN, angkatan kerja dan ekspor signifikan positif mempengaruhi pertumbuhan ekonomi yang diukur dengan nilai Produk Domestik Regional Bruto (PDRB). Begitu juga dengan dummy krisis keuangan global meskipun berlangsung singkat ternyata berpengaruh terhadap PDRB di Provinsi Riau. Namun demikian ditemukan bahwa belanja modal pemerintah tidak signifikan mempengaruhi pertumbuhan PDRB.There are some problems in resources of the regions, namely investment, labour force, and technology as the component factors to make the output of the region’s economy. This study aims to analyze the relationship between investment as consist of foreign direct investment (FDI), private investment, government capital expenditure, labour force, export and economic growth to the gross regional domestic product growth of regency in Riau Province 2000-2018. For the specific purpose of describing global financial crises in 2008 influence the economic growth, we put the dummy variable of the financial crisis in the model. This research is quantitative descriptive with the multiple regression model of log-linear and time series method using Ordinary Least Square (OLS). The study shows that government capital expenditure is statistically not significant to affect the gross regional domestic product growth. FDI, private investment, labour force and export is statistically significant to affect the gross regional domestic product growth. As well as a dummy of the global financial crisis is statistically significant to affect the gross regional domestic product growth.

scholarly journals ANALISIS PENGARUH INVESTASI SWASTA , PENGELUARAN PEMERINTAH, DAN PENDUDUK TERHADAP PERTUMBUHAN EKONOMI DI KOTA BITUNG

2019 ◽  
Vol 19 (1) ◽  
Author(s):  
Yandiles Weya ◽  
Vecky A.J. Masinambow ◽  
Rosalina A.M. Koleangan
Keyword(s):  
Economic Growth ◽  
Time Series ◽  
Economic Activity ◽  
Time Series Data ◽  
Private Investment ◽  
Least Square ◽  
Series Data ◽  
Ordinary Least Square ◽  
North Sulawesi ◽  
The City

ANALISIS PENGARUH INVESTASI SWASTA , PENGELUARAN PEMERINTAH, DAN PENDUDUK TERHADAP PERTUMBUHAN EKONOMI DI KOTA BITUNG Yandiles Weya, Vecky A.J. Masinambow, Rosalina A.M. Koleangan. Fakultas Ekonomi dan Bisnis, Magister Ilmu EkonomiUniversitas Sam Ratulangi, Manado ABSTRAKPada suatu periode perekonomian mengalami pertumbuhan negatif berarti kegiatan ekonomi pada periode tersebut mengalami penurunan. Kota Bitung periode tahun 2004-2014 mengalami pertumbuhan ekonomi yang fluktuasi. Adanya fluktuasi ini dapat dipengaruhi oleh investasi swasta, belanja langsung, dan penduduk Pertumbuhan ekonomi merupakan salah satu tolok ukur keberhasilan pembangunan ekonomi di suatu daerah. Pertumbuhan ekonomi mencerminkan kegiatan ekonomi. Pertumbuhan ekonomi dapat bernilai positif dan dapat pula bernilai negatif. Jika pada suatu periode perekonomian mengalami pertumbuhan positif berarti kegiatan ekonomi pada periode tersebut mengalami peningkatan. Sedangkan jikaTahun 2004-2014 yang bersumber dari Badan Pusat Statistik Provinsi Sulut dan Kota Bitung. Metode analisis yang digunakan adalah model ekonometrik regresi berganda double-log (log-log) dengan metode Ordinary Least Square (OLS). Penelitian ini bertujuan untuk mengetahui apakah perkembangan investasi swasta, belanja langsung, dan penduduk berpengaruh terhadap pertumbuhan ekonomi Kota Bitung. Data yang dipakai menggunakan data time series periodeHasil regresi model pertumbuhan ekonomi dengan persamaan regresinya yaitu  LPDRB  =  - 4,445    +  0.036 LINV  +  0.049 LBL  +  2,229 LPOP.  Dari hasil tersebutmenunjukkan perkembangan investasi swasta, belanja langsung dan penduduk berpengaruh positif dan signifikan terhadap pertumbuhan ekonomi Kota Bitung.Kata Kunci :pertumbuhan ekonomi, belanja langsung, penduduk, regresi bergandaABSTRACT    The economy experienced a period of negative growth means economic activity in this period has decreased. Bitung-year period 2004-2014 economic growth fluctuations. These fluctuations can be influenced by private investment, direct spending, and population Economic growth is one measure of the success of economic development in an area. Economic growth reflects economic activity. Economic growth can be positive and can also be negative. If the economy experienced a period of positive growth means economic activity during the period has increased. Whereas if  years 2004-2014 are sourced from the Central Statistics Agency of North Sulawesi Province and Bitung. The analytical method used is an econometric model double-log regression (log-log) with Ordinary Least Square (OLS). This study aims to determine whether the development of private investment, direct spending, and population affect the economic growth of the city of Bitung. The data used using time series data period.    The results of the regression model of economic growth with the regression equation is LPDRB = - LINV 4.445 + 0.036 + 0.049 + 2.229 LPOP LBL. From these results show the development of private investment, direct expenditure and population positive and significant impact on economic growth of Bitung.Keywords: Economic growth, direct spending, population, regression.

Pengaruh pertumbuhan ekonomi, inflasi dan pengangguran terhadap tingkat kemiskinan di Sumatera Selatan

2019 ◽  
Vol 16 (1) ◽  
pp. 1-10
Author(s):  
Novegya Ratih Primandari
Keyword(s):  
Economic Growth ◽  
Time Series ◽  
Linear Regression ◽  
Linear Regression Model ◽  
Time Series Data ◽  
Secondary Data ◽  
Poverty Rate ◽  
Least Square ◽  
Series Data ◽  
Ordinary Least Square

This research aims to analyze effect of economic growth, inflation and Unemployment on the Rate of Poverty in the Province of South Sumatera. This research used secondary data in the form of time series data from 2001-2017. The method used quantitative approach by applying a linear regression model with OLS estimation Ordinary Least Square (OLS) method. The results of this study indicate that partially and simultaneously Economic Growth, Inflation and Unemployment have a significant effect on the Poverty Rate in the Province of South Sumatera.

scholarly journals Bank Efficiency in Malaysia a DEA Approach

2019 ◽  
Vol 8 (1) ◽  
pp. 133-162 ◽  
Author(s):  
Fakarudin Kamarudin ◽  
Fadzlan Sufian ◽  
Annuar Md. Nassir ◽  
Nazratul Aina Mohamad Anwar ◽  
Hafezali Iqbal Hussain
Keyword(s):  
Banking Sector ◽  
Least Square ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Profit Efficiency ◽  
Bank Efficiency ◽  
Ordinary Least Square ◽  
Management Quality ◽  
Macroeconomic Determinants ◽  
Revenue Efficiency

Abstract The purpose of the present paper is to examine the revenue efficiency of the Malaysian Islamic banking sector. The study also seeks to investigate the potential internal (bank specific) and external (macroeconomic) determinants that influence the revenue efficiency of Malaysian domestic Islamic banks. We employ the whole gamut of domestic and foreign Islamic banks operating in the Malaysian Islamic banking sector during the period of 2006 – 2015. The level of revenue efficiency is computed by using the Data Envelopment Analysis (DEA) method. Furthermore, we employ a panel regression analysis framework based on the Ordinary Least Square (OLS) method to examine the potential determinants of revenue efficiency. The results indicate that the level of revenue efficiency of Malaysian domestic Islamic banks is lower compared to their foreign Islamic bank counterparts. We find that bank market power, liquidity, and management quality significantly influence the improvement in revenue efficiency of the Malaysian domestic Islamic banks during the period under study. This study provides for the first time empirical evidence that covering all three efficiency concepts, namely cost, revenue, and profit efficiency is completely missing from the literature. By calculating these efficiency concepts, we can observe the efficiency levels of the domestic and foreign Islamic banks. In addition, by comparing both cost and profit efficiency, we can identify the influence of the revenue efficiency on the banks’ profitability.

scholarly journals ANALISIS PENGARUH INVESTASI ASING LANGSUNG (FDI) DAN INVESTASI DALAM NEGERI TERHADAP PERTUMBUHAN EKONOMI INDONESIA

2017 ◽  
Vol 2 (1) ◽  
pp. 54-68
Author(s):  
Firdaus Jufrida ◽  
Mohd. Nur Syechalad ◽  
Muhammad Nasir
Keyword(s):  
Economic Growth ◽  
Time Series ◽  
Foreign Direct Investment ◽  
Direct Investment ◽  
Time Series Data ◽  
Multiple Regression Model ◽  
Least Square ◽  
Series Data ◽  
Domestic Investment ◽  
Ordinary Least Square

This study aims to analyze the effect of foreign direct investment (FDI) and domestic investment on Indonesian economic growth. The data used was time series data on Indonesian economy from year. Furthermore, the analysis was conducted with quantitative method using Ordinary Least Square (OLS) regression method with multiple regression model. The result shows that Foreign Direct Investment (FDI) has a positive but not significantly affected Indonesia economic growth, while Domestic Investment has a positive significant effect on Indonesian economic growth. Based on the research results, it is recommended that the Indonesia government has to maintain the stability of economic variables that can stimulate foreign and domestic investment in order to achieve sustainable economic growth.Penelitian ini bertujuan untuk menganalisis pengaruh investasi asing langsung (FDI) dan investasi domestik pada pertumbuhan ekonomi Indonesia. Data yang digunakan adalah data time series pada perekonomian Indonesia dari tahun. Selanjutnya, analisis dilakukan dengan metode kuantitatif dengan menggunakan metode regresi Ordinary Least Square (OLS) dengan model regresi berganda. Hasil penelitian menunjukkan bahwa Foreign Direct Investment (FDI) memiliki positif tetapi tidak pertumbuhan ekonomi secara signifikan mempengaruhi Indonesia, sedangkan PMDN memiliki efek positif yang signifikan terhadap pertumbuhan ekonomi Indonesia. Berdasarkan hasil penelitian, disarankan agar pemerintah Indonesia harus menjaga stabilitas variabel ekonomi yang dapat merangsang investasi asing dan domestik dalam rangka mencapai pertumbuhan ekonomi yang berkelanjutan.

scholarly journals Pengaruh Perkembangan Bank Umum Syariah Terhadap Pertumbuhan Ekonomi Indonesia Periode 2010-2015

2017 ◽  
Vol 4 (12) ◽  
pp. 952
Author(s):  
Firmansyah Putra ◽  
Muhammad Nafik Hadi Ryandono
Keyword(s):  
Economic Growth ◽  
Time Series ◽  
Cross Section ◽  
Annual Report ◽  
Secondary Data ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Cross Section Data ◽  
Production Index ◽  
Section Data

The study aims to examines the influence of Islamic banks on economic growth in Indonesia during the period 2010–2015. Secondary data that were used in this research were in the form of monthly time series and cross-section data during the year 2010–2015. The data were obtained based on monthly statistical banking report from Bank Indonesia (BI) andmonthly statistical reports of the Monthly Industrial Production Index in the Large and Medium scale from Central Bureau of Statistics (BPS) of Indonesia and also annual report from each islamic banks that conclude in this observation. Total assets, and total financing as variables that are representing the Islamic bank. GDP (Gross Domestic Product) is the variable that representing economic growth. By using Multiple Regression Analysis, the result shows that generally, Islamic banking affects economic growth in Indonesia.

scholarly journals Analisis faktor-faktor yang mempengaruhi pertumbuhan ekonomi di Kabupaten Sarolangun

2019 ◽  
Vol 7 (2) ◽  
pp. 83-100
Author(s):  
Rosminah Rosminah ◽  
Rahma Nurjanah ◽  
Etik Umiyati
Keyword(s):  
Economic Growth ◽  
Time Series ◽  
Linear Regression ◽  
Government Spending ◽  
Time Series Data ◽  
Secondary Data ◽  
Least Square ◽  
Series Data ◽  
Domestic Investment ◽  
Ordinary Least Square

Investment (PMDN) and government expenditures have on economic growth in Sarolangun Regency. The type of data used is secondary data in the form of time series data for 2000-2017, in the form of data on economic growth, the number of workers, PMDN, and government spending. The analytical method used in this study is multiple linear regression or Ordinary Least Square (OLS). Based on the analysis results indicate that the workforce has a positive and significant effect on economic growth. PMDN has a positive and significant effect on economic growth. Likewise, government spending has a positive and significant effect on economic growth. Keywords: Economic growth, Labor, Domestic investment (PMDN), Goverment expenditure.

scholarly journals Peran Perbankan Syariah terhadap Pertumbuhan Ekonomi Indonesia

2014 ◽  
Vol 4 (1) ◽  
pp. 41-66
Author(s):  
Safaah Restuning Hayati
Keyword(s):  
Economic Growth ◽  
Human Resources ◽  
Rapid Development ◽  
Least Square Method ◽  
Least Square ◽  
Islamic Banking ◽  
Ordinary Least Square ◽  
Technological Advances ◽  
Significant Process

The paper analyzes the role of Islamic banking for economic growth in Indonesia. The rapid development of Islamic banking in the country followed the economic growth was the research basis of the paper. The analysis in this paper uses Ordinary Least Square method to determine how much Islamic banking influenced the growth represented by Gross Domestic Product (GDP). The result of regression model testing found that the total assets of Islamic banking had no significant effect (negative) on GDP, while the Islamic banking financing process had significant process had significant effect (positive) on GDP. Variable total assets and total financing of Islamic banking are able to explain the effect 33.8% of GDP variable. This means that Islamic banking has a very small role related to economic growth in Indonesia. The research indicates that the solution for increasing for the influence of Islamic banking could include increasing market share and increasing the share of muḍârabah financing schemes, strengthening regulation, improving the quality and quantity of human resources, and adapting technological advances.  

scholarly journals INTELLECTUAL CAPITAL AND ISLAMIC SOSIAL REPORTING INDEX: THE CASE OF INDONESIAN ISLAMIC BANKING

2020 ◽  
Vol 8 (4) ◽  
pp. 728-736
Author(s):  
Risma Ayu Kinanti ◽  
Ririn Tri Ratnasari ◽  
Anidah Robani ◽  
Tika Widiastuti ◽  
Raditya Sukmana
Keyword(s):  
Financial Performance ◽  
Intellectual Capital ◽  
Partial Least Square ◽  
Least Square ◽  
Social Reporting ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Financial Reports ◽  
Banking Institutions ◽  
Positive Effect

Purpose of the study: This study aims to explain the effect of Islamic Banking Intellectual Capital and Islamic Social Reporting on the Islamic Financial Performance Index of Sharia Bank Indonesia. Methodology: The data obtained in this study consisted of a total of 368 from annual financial reports and sustainability reports that were officially published by each Islamic bank in Indonesia. The analytical method used in this study is the Partial Least Square (PLS) method which is processed with SmartPLS 3 software. Main Findings: There is an essential influence on the implementation of Islamic Banking Intellectual Capital and Islamic Social Reporting on Islamic Financial Performance in Islamic Banking in Indonesia. This finding also shows that intellectual capital and social reporting by Islamic banks have a significant positive effect on the financial performance of Islamic banks in Indonesia. Applications of this study: This research will help next researchers to develop research in the banking world and can be used by banking institutions to become scientific input. Besides, mobilizing and using intangible resources properly will improve the financial performance of an organization. Novelty / Originality of this study: The existence of Islamic Banking Intellectual Capital combined with Islamic Social Reporting can affect and improve the competitiveness of Islamic Banking in Indonesia. This study will be a complete research and provide clear information for practitioners and academics.

scholarly journals Determinant Of Sharia Bank Indonesia Rate With Financing And Deposit In Indonesian Islamic Banking Asset

2020 ◽  
Vol 1 ◽  
pp. 1-13
Author(s):  
Roikhan Mochamad Aziz ◽  
Adit
Keyword(s):  
Time Series ◽  
Time Series Data ◽  
Positive Influence ◽  
Least Square ◽  
Series Data ◽  
Islamic Banking ◽  
Ordinary Least Square ◽  
Monthly Time Series ◽  
Significant Positive Influence

This study aims to analyze the effect of bank certificates of Indonesia sharia (SBIS), financing to deposit ratio (FDR), and non-performing financing (NPF) against assets of Islamic Banking in Indonesia. The data used in this study are monthly time series data from the period from 2009 until 2013, published by Bank Indonesia of Indonesian Financial Statistics Report. The method of analysis used in this study is the Ordinary Least Square (OLS). The results of this study indicate that the variable certificates Indonesia sharia banks ((5.296593 and 0.0000), and financing to deposit ratio (5.512164 and 0.0000) had significant positive influence on Islamic banking assets in Indonesia. While non-performing financing variables (15.78500 and 0.0000) had significant negative towards Islamic banking assets in Indonesia.

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