PENGARUH VARIABEL MAKRO DAN MIKRO EKONOMI TERHADAP PEMBIAYAAN BERMASALAH PADA BANK SYARIAH DI INDONESIA

ABSTRAK Tujuan dari penelitian ini adalah untuk mengetahui seberapa besar pengaruh variabel inflasi, Gross Domestic Product (GDP), ukuran bank (size), Financing to Deposit Ratio (FDR), Financing to Asset Ratio (FAR), dan Capital Adequacy Ratio (CAR) terhadap variabel Non Performing Financing (NPF) pada Bank Umum Syariah di Indonesia tahun 2011-2015. Subjek penelitian ini adalah Bank Umum Syariah di Indonesia. Dalam penelitian ini, total sampel sebanyak 11 Bank Umum Syariah diperoleh dengan menggunakan metode purposive sampling. Alat analisis yang digunakan adalah analisis regresi berganda. Berdasarkan hasil analisis diperoleh bahwa, PDB, ukuran, dan CAR berpengaruh secara signifikan terhadap pembiayaan bermasalah. Sedangkan inflasi, FDR, dan FAR tidak berpengaruh terhadap pembiayaan bermasalah.Kata kunci: pembiayaan bermasalah, Bank Syariah, inflasi, ukuran bank, NPF ABSTRACT The purpose of this study is to determine how much influence the variable inflation, gross domestic product (GDP), the economic size of the Bank (size), Financing to Deposit Ratio (FDR), Financing to Asset Ratio (FAR), and the Capital Adequacy Ratio (CAR) to variable Non Performing Financing NPF) in Islamic commercial banks in Indonesia 2011-2015. This research subject is an Islamic commercial bank in Indonesia. In this study a total samples of 11 Islamic commercial banks were obtained using purposive sampling method. The analytical tool used is multiple regression analysis. Based on the analysis of the obtained results that, GDP, size, and CAR significantly influence the financing problems. As for inflation, FDR, and the FAR does not have an impact on financing problems.Keywords: financing problems, Islamic banks, inflation, the size of the bank, NPF

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Analisis Fakor Internal dan Eksternal yang Memengaruhi Financial Distress Bank Umum Syariah Periode 2014-2018

Journal of Applied Islamic Economics and Finance ◽

10.35313/jaief.v1i2.2477 ◽

2021 ◽

Vol 1 (2) ◽

pp. 446-457

Author(s):

Dhiwi Rasa Wulan Pamungkas ◽

Fatmi Hadiani ◽

Radia Purbayati

Keyword(s):

Gross Domestic Product ◽

Financial Distress ◽

Commercial Banks ◽

Logistic Regression Model ◽

Sampling Method ◽

Annual Report ◽

Capital Adequacy ◽

Domestic Product ◽

Islamic Banks ◽

Capital Adequacy Ratio

The purpose of this study is to determine the influence of Non Performing Finance (NPF), Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), Inflation, and Gross Domestic Product (GDP) on Financial Distress as measured by Grover method (G-Score). The sample of this study used a purposive sampling method and obtained 12 Islamic Commercial Banks in Indonesia to be analyzed. The data in this study were sourced from annual report Islamic Banks and reports on inflation and Gross Domestic Product (GDP). This research will be analyzed by a logistic regression model that will be tested using the EViews version 10 SV software. The results of this study indicate that there are four Islamic Commercial Banks in Indonesia that experienced financial distress during the 2014-2018 period. Partially, NPF and inflation have a significant effect on financial distress, while FDR, CAR, and GDP have no significant effect on financial distress.

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

Jurnal Ekonomi Syariah Teori dan Terapan ◽

10.20473/vol7iss20209pp1714-1730 ◽

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

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The effect of asset quality, profit and loss sharing on Sharia Banking Liquidity in Indonesia

Technium Social Sciences Journal ◽

10.47577/tssj.v27i1.5500 ◽

2022 ◽

Vol 27 ◽

pp. 423-436

Author(s):

Anggraeni Anggraeni ◽

Yulis Maulida Berniz

Keyword(s):

Gross Domestic Product ◽

Profit Sharing ◽

Capital Adequacy ◽

Domestic Product ◽

Islamic Banks ◽

Return On Assets ◽

Investment Bank ◽

For Profit ◽

Capital Adequacy Ratio ◽

Asset Quality

This study aims to determine the effect of asset quality variables (Non-Performing Financing), Profit and Loss Sharing (profit-loss sharing investment and profit-sharing investment account), capital adequacy ratio, bank size, return on assets, and gross domestic product on Islamic banking liquidity in Indonesia. The analysis was conducted using a sample of 7 Islamic commercial banks from the period March 2015 to December 2019. This study uses 2 multiple regression models of panel data with the results showing that Non-Performing Financing, profit-loss sharing investment, bank size, gross domestic product affect the liquidity of Islamic banks. , then for-profit sharing investment account, capital adequacy ratio, return on assets, does not affect the liquidity of Islamic banks.

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DETERMINASI NON PERFORMING FINANCING PADA BANK UMUM SYARIAH DI INDONESIA

Media Ekonomi ◽

10.25105/me.v27i1.5170 ◽

2019 ◽

Vol 27 (1) ◽

pp. 1

Author(s):

Noerlela Sari ◽

Ellyana Amran

Keyword(s):

Gross Domestic Product ◽

Commercial Banks ◽

Quantitative Research ◽

Capital Adequacy ◽

Domestic Product ◽

Financial Reports ◽

Quantitative Research Methods ◽

Panel Data Regression ◽

Analysis Technique ◽

Capital Adequacy Ratio

This study aims to determine the effect of Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Inflation, and Gross Domestic Product (GDP) on Non Performing Financing (NPF) on Islamic Commercial Banks in Indonesia for 2012-2016 Period. The research method used in this study is quantitative research methods. The sample is 8 Sharia Commercial Banks which were previously determined by the purposive sampling method. Data collected in the form of quarterly financial reports for each Sharia Bank from 2012-2016. The analysis technique used is panel data regression. The results showed that the Capital Adequacy Ratio (CAR) and Gross Domestic Product (GDP) had a negative and significant effect on Non Performing Financing (NPF) at Islamic Commercial Banks while the inflation and Financing to Deposit Ratio (FDR) variables had a negative and not significant effect on the level Non Performing Financing (NPF) at Islamic Commercial Banks.

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Pengaruh Faktor Internal dan Eksternal Terhadap Tingkat Kesehatan Bank

Jurnal Ekonomi ◽

10.24912/je.v23i3.418 ◽

2018 ◽

Vol 23 (3) ◽

pp. 359

Author(s):

Liliani Wijaya, Nuryasman MN

Keyword(s):

Gross Domestic Product ◽

Hypothesis Testing ◽

Commercial Banks ◽

Sampling Method ◽

Sampling Technique ◽

Quantitative Approach ◽

Domestic Product ◽

Purposive Sampling ◽

Insignificant Effect

This search has a purpose to provide emperical evidence about factors that affect health of banks. The examine factors internal on this research are CAMELS and the examine factor external on this research is Gross Domestic Product (GDP). The sample consist of 29 banks.Object of this study is the commercial banks operating in Indonesia in 2012-2015. Determination of sampling technique using purposive sampling method in which the sample is taken with certain criteria. Because the data is used are secondary datawith a quantitative approach, it is necessary to determine the accuracy of the model on some assumption of hypothesis testing using Stata tools. The result showed a partial variable NPL and IER are significant effect on the level of health. While variable CAR, NPM, ROA, LDR, and GDP insignificant effect of the health of the bank. During the period 2012-2015 there were more than 50% showed a stable bank or banks that are in the tittle of “Fit”. Although they are some banks that have increased and decreased to earn the tittle of “unhealthy” for 4 periods.

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Analisis Pengaruh Dana Pihak Ketiga (DPK), Non Performing Financing (NPF), Bi Rate, dan Capital Adequacy Ratio (CAR) Terhadap Penyaluran Pembiayaan Pada Bank Umum Syariah di Indonesia Periode 2011-2015

BISEI: Jurnal Bisnis dan Ekonomi Islam ◽

10.33752/bisei.v6i01.1488 ◽

2021 ◽

Vol 6 (01) ◽

pp. 13-25

Author(s):

Sabarudin Saba

Keyword(s):

Panel Data ◽

Sampling Method ◽

T Test ◽

Capital Adequacy ◽

Third Party ◽

Islamic Banks ◽

Analysis Model ◽

Purposive Sampling ◽

Analysis Techniques ◽

Capital Adequacy Ratio

Abstrack: The aims of this research are to analyze the influence of Third Party Fund (DPK), Non Performing Financing (NPF), the BI Rate and Capital Adequacy Ratio (CAR) partially and simultaneously to the Distribution Financing Islamic Banks in Indonesia 2011-2015. The population in this research is all Islamic Banks in Indonesia in Period 2011-2015. This research uses purposive sampling method. The amount of sample in this research is 5 (five) Islamic Banks. The analysis model uses panel data reggresion model and analysis techniques techniques to the hypothesis uses Ftest,t-test, and R2 test.The results in this research in Third Party Fund (DPK) partially has positive andsignificant effect to Financing Distribution of Islamic Banks in Indonesia in Period 2011-2015, Ratio of Non-Performing Financing (NPF) partially negative and not significant to Distribution Financing Islamic Banks in Indonesia in Period 2011-2015, BI Rate is partially positive and significant to FinancingDistribution of Islamic Banks in Indonesia period 2011-2015, and the ratio of Capital Adequacy ratio (CAR) partially negative and significant to FinancingDistribution of Islamic Banks in Indonesia 2011-2015 , Simultaneously ThirdParty Fund (DPK), Non Performing Financing (NPF), the BI Rate and Capital Adequacy Ratio (CAR) have significant effect to Financing Distribution of Islamic Banks in Indonesia 2011-2015.

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FAKTOR-FAKTOR YANG MEMPENGARUHI PROFITABILITAS PADA BANK SYARIAH DI INDONESIA

WADIAH ◽

10.30762/wadiah.v5i1.3177 ◽

2021 ◽

Vol 5 (1) ◽

Author(s):

Andriani Andriani ◽

Yurike Sofiana Askurun

Keyword(s):

Sampling Method ◽

Secondary Data ◽

Financial Statements ◽

Capital Adequacy ◽

Islamic Banks ◽

Purposive Sampling ◽

Islamic Bank ◽

Capital Adequacy Ratio ◽

A Company ◽

Observation Period

Profitability is the most appropriate indicator to measure the performance of a company. The company's ability to generate profits to measure the level of performance of a company. The higher the company's profitability, the better the company's performance. The purpose of this study was to determine the effect of Financing Deposit Ratio (FDR), OEOI, Capital Adequacy Ratio (CAR), and Non Performing Financing (NPF) on profitability (ROA) of Islamic bank financial statements published by Indonesian banks. in the period 2008-2012.This study aims to analyze the effect of the FDR ratio, operational efficiency (ROA), CAR, and NPF on profitability (ROA) in Islamic banks on published finances. Bank Indonesia, while the research sample was determined by purposive sampling method in order to obtain 41 samples from 11 banking companies during the observation period (2009-2012). The type of data used is secondary data obtained from Islamic bank financial statements at PTwww.bi.go.id.The analytical method used is multiple regression analysis. The results of this study indicate that FDR has no significant effect on Indonesian Islamic banks, BOPO has a significant effect on ROA in Islamic banks in Indonesia, CAR does not have a significant effect on Islamic banks in Indonesia, NPF has no significant effect on Indonesian Islamic banks.Keywords: FDR, OEOI, CAR, NPF and ROA. Abstrak Profitabilitas merupakan indikator yang paling tepat untuk mengukur kinerja suatu perusahaan. Kemampuan perusahaan dalam menghasilkan laba untuk mengukur tingkat kinerja suatu perusahaan. Semakin tinggi profitabilitas perusahaan maka semakin baik pula kinerja perusahaan tersebut. Tujuan penelitian ini adalah untuk mengetahui pengaruh Financing Deposit Ratio (FDR), BOPO, Capital Adequacy Ratio (CAR), dan Non Performing Financing (NPF) terhadap profitabilitas (ROA) laporan keuangan bank syariah terbitan bank-bank Indonesia. dalam periode 2008-2012.Penelitian ini bertujuan untuk menganalisis pengaruh rasio FDR, efisiensi operasional (ROA), CAR, dan NPF terhadap Profitabilitas (ROA) pada bank syariah terhadap keuangan yang dipublikasikan. Bank Indonesia, sedangkan sampel penelitian ditentukan dengan metode purposive sampling sehingga diperoleh 41 sampel dari 11 perusahaan perbankan pada periode observasi (2009-2012). Jenis data yang digunakan adalah data sekunder yang diperoleh dari Laporan Keuangan bank syariah di PTwww.bi.go.id.Metode analisis yang digunakan adalah analisis regresi berganda. Hasil penelitian ini menunjukkan bahwa FDR tidak berpengaruh signifikan terhadap bank syariah Indonesia, BOPO berpengaruh signifikan terhadap ROA pada bank syariah di Indonesia, CAR tidak berpengaruh signifikan terhadap bank syariah di Indonesia, NPF tidak berpengaruh signifikan terhadap bank syariah Indonesia.Kata Kunci: FDR, BOPO,CAR, NPF dan ROA.

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Empirical Analysis of Non-Performing Loans and Liquidity of Deposit Money Banks: Nigeria Experience

Journal of International Business and Management ◽

10.37227/jibm-2021-09-1167 ◽

2021 ◽

Keyword(s):

Monetary Policy ◽

Gross Domestic Product ◽

Capital Adequacy ◽

Domestic Product ◽

Loan Loss ◽

Loan Loss Provisions ◽

Minimum Capital Requirement ◽

Small Quantum ◽

Capital Adequacy Ratio ◽

Loan Growth

Nigerian Deposit Money Banks (DMBs) tend to have suffered the plight of Non-Performing Loans (NPLs) in recent times in no small quantum. Consequently, a large chunk of them have had to increase their loan loss provisions and this may dwindle their liquidity. This study investigates the effect of non-performing loans on liquidity of Deposit Money Banks (DMBs) in Nigeria. A panel regression analysis was performed on a data of 15 quoted DMBs from 2009 to 2019, in order to examine the correlation between the explained variable (banks’ liquidity) and Non-Performing Loans (NPL) while other explanatory variables- Capital Adequacy Ratio (CAR), Bank Size (BS), Loan Growth (LG), Monetary Policy Rate (MPR), Gross Domestic Product (GDP) and Inflation were taken into consideration. Data were extracted from the banks’ yearly financial statements and the World Bank Financial Statistics. Based on the empirical findings, the study found only four variables-Non Performing Loans, Capital Adequacy Ratio, Bank Size and Inflation significantly related at 5% significant level with banks’ liquidity while the other three; Gross Domestic Product, Loan Growth and Monetary Policy Rate were identified as insignificant. The finding also revealed that NPLs has negative effect on banks’ liquidity while CAR, BS and INF showed positive relationship. The study recommends strict compliance of banks with the NPLs tolerable limit set by the Central bank. It also suggests that the CBN take proactive measure to ensure the banks’ compliance with the minimum capital requirement. Keywords: Banks, Financial Institutions, Liquidity, Non-Performing Loans, Performance

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

Journal of Islamic Economics and Finance ◽

10.22373/share.v5i2.1239 ◽

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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Determinan Dana Pihak Ketiga Bank Umum Syariah Di Indonesia

JPS (Jurnal Perbankan Syariah) ◽

10.46367/jps.v2i2.389 ◽

2021 ◽

Vol 2 (2) ◽

pp. 226-236

Author(s):

Dadang Husen Sobana ◽

Ricky Hamzah ◽

Sri Habibah

Keyword(s):

Data Analysis ◽

Linear Regression ◽

Gross Domestic Product ◽

Commercial Banks ◽

Financial Stability ◽

Research Method ◽

Third Party ◽

Domestic Product ◽

Islamic Banks ◽

Macroeconomic Conditions

Third-party funds at Islamic commercial banks in Indonesia fluctuated. The factors that determine the accumulation of third-party funds are essential for Islamic banks' financial stability and management. This study aims to show and describe the effect of gross domestic product and inflation on third-party funds partially and simultaneously. The research method used is descriptive-associative with a quantitative approach. The population used is Islamic commercial banks in Indonesia. Data analysis using multiple linear regression. The results show that gross domestic product and inflation partially affect third-party funds in Islamic commercial banks in Indonesia. Meanwhile, simultaneously gross domestic product and inflation have a significant effect with a contribution of 85.5% to third-party funds in Islamic commercial banks in Indonesia. The increase in third-party funds depends on Indonesia's macroeconomic conditions, the dominant macroeconomic influencing the collection of third-party funds in Islamic commercial banks in Indonesia.

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