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.

scholarly journals Pengaruh Kurs, Inflasi, Dana Pihak Ketiga (DPK), Pendapatan Bank, Capital Adequecy Ratio (CAR), Dan Non Performing Financing (NPF) Terhadap Tingkat Pengguliran Dana Bank Umum Syariah Non Devisa Periode 2014-2018

2019 ◽  
Vol 1 (3) ◽  
pp. 1472-1493
Author(s):  
Lisa Marlina JN ◽  
Mia Angelina Setiawan
Keyword(s):  
Exchange Rate ◽  
Foreign Exchange ◽  
Commercial Banks ◽  
Capital Adequacy ◽  
Third Party ◽  
Bank Capital ◽  
Financial Reports ◽  
Independent Variables ◽  
The Third ◽  
Capital Adequacy Ratio

This reseach aims to obtain empirical evidence of the effect of Exchange Rate, Inflation, Third Party Funds (TPF), Bank Revenues, Capital Adequacy Ratio (CAR), and Non Performing Financing (NPF) on Fund Revolving Levels in Non-Foreign Islamic Commercial Banks in Indonesia for the period 2014-2018. Data is obtained from quarterly financial reports taken from the website of each Non-Foreign Exchange Islamic Bank. The dependent variable in this study is the Fund Revolving Levels and the independent variables are the Effect of Exchange Rate, Inflation, Third Party Funds (DPK), Bank Revenues, Capital Adequecy Ratio (CAR), and Non Performing Financing (NPF). The result of this study is that the exchange rate has a positive and not significant effect on the Fund Revolving Levels of sharia bank. The inflation has a positive and significant effect on the Fund Revolving Levels of sharia bank.. The third party funds have a negative and significant effect on the Fund Revolving Levels of sharia bank. And than bank income, Capital Adequacy Ratio (CAR), and Non Performing Financing (NPF) have a negative and insignificant effect on the Fund Revolving Levels of sharia bank

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 Capital Adequacy Ratio And Its Influencing Factors On The Islamic Banking In Indonesia

IKONOMIKA ◽  
2017 ◽  
Vol 2 (2) ◽  
pp. 162
Author(s):  
Yolanda Yolanda
Keyword(s):  
Panel Data ◽  
Linear Regression ◽  
Multiple Linear Regression Model ◽  
Capital Adequacy ◽  
Financial Data ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Independent Variables ◽  
Capital Adequacy Ratio ◽  
Insight Into

Bank is one of the most decisive financial intermediary of a country's economy. Country that in the economies has healthy banking industries will have an impact on all the activity and stability of the economy. The purpose of this study is to investigate the determinants of the capital adequacy of Islamic banks in Indonesia by using panel data of eleven Islamic Banks from 2012 to 2016. This study uses secondary financial data that were analyzed using multiple linear regression model to the capital adequacy of banks (Capital Adequacy Ratio / CAR) as the dependent variable, and profitability (ROA, ROE, NIM) and Liquidity (FDR) as the independent variables. The findings of this study showedpositive correlation between the financial performance of capital adequacy and liquidity. As a result, this study provides more insight into the determinants that affect the capital adequacy of Islamic Banks in Indonesia.

scholarly journals Impact of Covid-19 on Financial Performance of Sharia Bank in Indonesia

2021 ◽  
Vol 04 (11) ◽  
Author(s):  
Rio Trisasmita ◽  
Keyword(s):  
Corporate Governance ◽  
Banking Industry ◽  
Total Sample ◽  
Research Data ◽  
Capital Adequacy ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Good Corporate Governance ◽  
Capital Adequacy Ratio ◽  
Strategic Role

The Islamic Banking Industry has a strategic role in people's economic development.This study aims to analyze the effect of CAR, NPF, FDR, and BOPO on the performance of Islamic banks in Indonesia during the Covid-19 pandemic, using Good Corporate Governance moderation. The total sample of research data during the study period was 60 observational data. This research was conducted using the Moderated Regression Analysis (MRA) method. Based on the results of the data test, it was found that the capital adequacy ratio and BOPO variables had a positive and significant effect on the performance of Islamic banks. The non-performing financing variable has no effect on the performance of Islamic banks. The variable Financing to Deposit Ratio has a negative and significant effect on the performance of Islamic Banks. Good Corporate Governance as measured by the size of the Board of Commissioners and proven to moderate the influence of the Capital Adequacy Ratio and BOPO variables on the performance of Islamic Banks. Good Corporate Governance as measured by the size of the Board of Commissioners is proven to moderate the influence of the Non Performing Financing variable on the performance of Islamic Banks, but moderate the influence of the Financing to Deposit Ratio variable on the performance of Islamic Banks.

scholarly journals FAKTOR-FAKTOR YANG MEMPENGARUHI PERTUMBUHAN LABA BANK UMUM SYARIAH DI INDONESIA

2019 ◽  
Vol 5 (2) ◽  
pp. 115
Author(s):  
Yani Suryani ◽  
Desi Ika
Keyword(s):  
Commercial Banks ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Third Party ◽  
Islamic Banks ◽  
Operating Income ◽  
Capital Adequacy Ratio ◽  
Banking Institutions ◽  
Operational Activities ◽  
Profit Growth

This study aims to know the effect of the determinant variables on profit growth in Islamic commercial banks in Indonesia. During the period of financial crisis in 1997 Islamic banks were still able to show relatively better performance compared to conventional banking institutions. Due to the lower distribution of non-performing loans (non-performing loans) to the Islamic banks and no negative spreads in their operational activities, this condition as well as profit growth generated by Islamic banks. This study analyzes the effect of Net Operational Income (NOI), Third Party Funds (DPK), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), and operational costs to operational income (BOPO) both partially or simultaneously on the Profit Growth of Islamic commercial banks in Indonesia in the 2016-2018 period. The type of research is associative, secondary data sources and data are analyzed quantitatively. The results of this study indicate that partially Net Operating Income (NOI) affects the profit growth of Islamic Commercial Banks in Indonesia. For simultaneous testing the overall determinant variable does not affect earnings growth at Islamic Commercial Banks in Indonesia.

scholarly journals Performance analysis of sharia commercial banks in Indonesia before the covid pandemic period (2015-2019)

2021 ◽  
Vol 10 (2) ◽  
pp. 228-237
Author(s):  
Erna Handayani ◽  
Alni Rahmawati ◽  
Naelati Tubastuvi ◽  
Ira Hapsari
Keyword(s):  
Credit Risk ◽  
Commercial Banks ◽  
Capital Adequacy ◽  
Third Party ◽  
Islamic Banking ◽  
Debt Ratio ◽  
Performance Information ◽  
Return On Assets ◽  
Capital Adequacy Ratio ◽  
The Impact

Overcoming the impact of the Covid pandemic on Islamic banking in Indonesia, management must take strategic steps based on predictions and previous performance identification. Identify performance, information on the factors that affect the performance of Islamic banking in Indonesia is needed. Several aspects that are considered to affect Islamic banking performance that management must consider are capital, liquidity aspects, credit risk, and efficiency. This research examines the influence of the aspects of capital (Capital Adequacy Ratio and Third Party Funds), liquidity (Finance to Debt Ratio ), credit risk (Non-Performing Financing).) and operational efficiency (BOPO) on the performance of Islamic banking in Indonesia 5 (five) years before the Covid pandemic occurred in Indonesia (2015-2019). The results showed that these five aspects had a simultaneous effect on Islamic banking performance in Indonesia, with a termination coefficient of 94.4%. Of the five variables, CAR, FDR, NPF, and BOPO significantly affect performance, while TPF has no significant effect on performance (Return on Assets).

scholarly journals ANALISIS DPK, CAR, ROA DAN NPF TERHADAP PEMBIAYAAN PADA PERBANKAN SYARIAH

2018 ◽  
Vol 17 (2) ◽  
pp. 15 ◽  
Author(s):  
Nurimansyah Setivia Bakti
Keyword(s):  
Research Result ◽  
Financial Statements ◽  
Negative Influence ◽  
Capital Adequacy ◽  
Third Party ◽  
Islamic Banks ◽  
Return On Assets ◽  
Capital Adequacy Ratio ◽  
Independent Variable ◽  
Observation Period

<p><em>This research attempts to analyze the factors that affect the financing of Islamic banking in Indonesia. The independent variable in this study is the Third Party Funds (TPF), Capital Adequacy Ratio (CAR), Return on Assets (ROA), Non Performing Financing (NPF). The sample used in this study were all population numbering Islamic Banks Islamic Banks 11. The data used in this study were obtained from published financial statements by Islamic Banks with the observation period 2013 to 2016. Based on the research result that the F test is declare that all the independent variables (independent) consisting of Third Party Funds (TPF), Capital Adequacy Ratio (CAR), Return on Assets (ROA) and Non-Performing Financing (NPF) have a significant effect on the Financing of Islamic Banks. At t test, Third Party Funds (TPF) </em><em>influence and significant to financing</em><em>, the Capital Adequacy Ratio (CAR) and Return on Assets (ROA) </em><em>have no significant effect on financing, while NPF has negative influence and insignificant effect on financing.</em><em></em></p>

scholarly journals KOMPARASI KINERJA DAN KETAHANAN KREDIT ANTARA PERBANKAN KONVENSIONAL DAN PERBANKAN SYARIAH

Media Ekonomi ◽  
2015 ◽  
Vol 23 (1) ◽  
pp. 55
Author(s):  
Frisky Elisa ◽  
Ida Busneti
Keyword(s):  
Exchange Rate ◽  
Capital Adequacy ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Factors Affecting ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Conventional Banks ◽  
Interest Margin

<em>This research aims to know the factors affecting the performance and credit resilience at cinvensional and Islamic banks. In addition to comparing the performance and credit resilience of the convensional and Islamic banks. Using Pooled methods.  This research uses the return on asset (ROA) for performance bankings are measure non-performing loan (NPL) / non-performing finance (NPF) to credit resilience. Factor that are used to looking at banking performance, among others, the lain net interest margin (NIM), non-performing loan (NPL) atau non-performing finance (NPF), Loan to deposit ratio (LDR), dan BOPO. While credit resilience, fators that are used among others inflation, exchange rate, Loan to deposit ratio (LDR) dan capital adequacy ratio (CAR). This research uses a conventional five banks and five Islamic banks from 2010 quarter 01 – 2013 quarter 02. The data used in this study were obtained from quarterly report of the bank for 2010-2013. Badan Pusat Statistik and Bank Indonesia. Result of analysis of this study that the performance of conventional banks is influential NPL and BOPO while in credit resilience is inflation, in a ratio impact on Islamic banking performance as BOPO and influencing credit resilience is CAR</em>

scholarly journals ANALISIS PENGARUH BI RATE DAN KINERJA KEUANGAN BANK TERHADAP PEMBIAYAAN BANK SYARIAH DI INDONESIA (2010 - 2017)

2019 ◽  
Vol 3 (3) ◽  
pp. 376-385
Author(s):  
Didit Suprayitno ◽  
Idah Zuhroh ◽  
M.Faisal Abdullah
Keyword(s):  
Secondary Data ◽  
Capital Adequacy ◽  
Third Party ◽  
Coefficient Of Determination ◽  
Analysis Techniques ◽  
Independent Variables ◽  
Significant Negative Effect ◽  
Panel Data Regression ◽  
Capital Adequacy Ratio ◽  
Negative Effect

This study aims to analyze the influence of the independent variables, namely the BI Rate, Third Party Funds (DPK), Capitalization of Adequacy Ratio (CAR) and Operational Income Costs (BOPO) on Islamic bank financing in Indonesia 2010 - 2017. This type of research is Quantitative Inferential . The required data is secondary data from the financial statements of five Islamic banks in Indonesia 2010-2017.4. Data analysis techniques are panel data regression analysis techniques. The results of the study show that the BI Rate variable has a significant negative effect on financing, Third Party Funds (TPF) have a significant positive relationship to financing, while for the variable Capital Adequacy Ratio (CAR) has a significant positive effect on financing and for Operational Income Operating Costs (BOPO) no significant negative effect on financing. The coefficient of determination (R ^ 2) is 0.938581 or 93.85%. This shows that the ability of the independent variables namely BI Rate, DPK, CAR and BOPO explain the dependent variable of Financing at 93.85% and the remaining 6.15% can be explained by other variables.

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