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 INFLUENCE OF THIRD-PARTY FUNDS, CAR, NPF AND FDR TOWARDS THE RETURN ON ASSETS OF ISLAMIC BANKS IN INDONESIA

2017 ◽  
Vol 14 (02) ◽  
pp. 135
Author(s):  
Risma Ayu Kinanti ◽  
Purwohandoko Purwohandoko
Keyword(s):  
Linear Regression ◽  
T Test ◽  
Capital Adequacy ◽  
Third Party ◽  
Islamic Banks ◽  
Return On Assets ◽  
Financial Report ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Negative Effect

The purpose of this research is to analyze the influence of third party funds, capital adequacy ratio (CAR), non performing financing (NPF) ,financing to deposit ratio (FDR) Of return on assets (ROA) during period of 2008-2013 syariah banks in indonesia. About 3 syariah banks in indonesia was taken as sample for this research. The data used for this research were obtained from the data of Quarterly Published Financial Report Period 2008 up to 2013. The analysis technique used is Linear Regression that aims for estimating the relationships among variables. The results of F test showing that Third Party Funds, CAR, NPF and FDR simultaneously influential to ROA. While The result of t-test showing Third Party and NPF has significant positif effect to ROA, CAR and FDR has a negative effect on ROA syariah banks in Indonesia.Keywords: ROA, Third Party Funds, CAR , NPF, FDR

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 Analysis of the effect of third party fund, capital adequacy ratio, and loan to deposit ratio on bank‟s profitability after the application of IFRS

2017 ◽  
Vol 6 (1) ◽  
pp. 81
Author(s):  
You Are Nita Sari ◽  
Nur Suci I Mei Murni
Keyword(s):  
Stock Exchange ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Commercial Banking ◽  
Capital Adequacy ◽  
Third Party ◽  
Return On Assets ◽  
Independent Variables ◽  
Analysis Technique ◽  
Capital Adequacy Ratio

The objective of this research is to analyze the effect of third party fund, capital adequacy ratio, and loan to deposit ratio on bank’s profitability after the application of IFRS. The bank’s profitability in this study is measured using return on assets (ROA). The samples used are 22 conventional commercial banking companies listed on the Indonesia Stock Exchange in the period from 2012 to 2013, which are selected through purposive sam-pling method. The analysis technique used is multiple linear regression analysis. The results of this study indicate that: (1) the variables of third party funds (TPF), capital adequacy ratio (CAR), and loan to deposit ratio (LDR) simultaneously have significant effect on return on assets (ROA); (2) the variable of third party fund (TPF) partially has positive but not significant effect on return on assets (ROA); (3) the variable of capital adequacy ratio (CAR) partially has positive and significant effect on return on assets (ROA); (4) the variable of loan to deposit ratio (LDR) partially has positive but not sig-nificant effect on return on assets (ROA) in conventional commercial banking companies listed on the Indonesia Stock Exchange (after the implementation of IFRS. The ability of the independent variables to explain the dependent variable in this study is 17.8%, while the remaining 82.2% is explained by other variables outside the models studied.

scholarly journals ANALISIS PROFITABILITAS DENGAN PENYALURAN KREDIT SEBAGAI VARIABEL INTERVENING PADA PERUSAHAAN PERBANKAN DI BURSA EFEK INDONESIA

2021 ◽  
Vol 4 (1) ◽  
pp. 397-405
Author(s):  
Titian Rendra Hadianto ◽  
Tri Kartika Pertiwi
Keyword(s):  
Path Analysis ◽  
Capital Adequacy ◽  
Third Party ◽  
Negative Contribution ◽  
Bank Profitability ◽  
Purposive Sampling ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
The Social ◽  
Banking Credit

This research aims to determine the profitability of banks which is influenced by several factors. While this research uses purposive sampling with the analysis technique of Statistical Package for the Social Sciens and Path Analysis. The results of this study conclude: Capital Adequacy Ratio has a negative contribution to the level of bank profitability. The ratio of third party funds has a contribution to the level of bank profitability. Capital Adequacy Ratio has a negative contribution to Banking Credit Distribution (LDR, Third Party Funds Ratio (TPF) has a contribution to Banking Credit Distribution. Capital Adequacy Ratio has a contribution to the level of Banking Profitability by Lending as Intervening. Third Party Funds Ratio has a contribution to the level of Banking Profitability by Lending as Intervening Credit has a negative contribution to the level of bank profitability.

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 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 Analisis Faktor-faktor yang Memengaruhi Penyaluran Kredit pada Bank Konvensional Periode 2015-2019

2021 ◽  
Vol 9 (3) ◽  
pp. 1048-1059
Author(s):  
Rurun Ayu Anggraini
Keyword(s):  
Capital Adequacy ◽  
Third Party ◽  
Data Types ◽  
Return On Assets ◽  
Software Application ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Spss Software ◽  
The Government ◽  
Conventional Banks

Lending to conventional banks is an activity that will generate profits for the banks, and with credit, it can improve the welfare of people in a country. The purpose of this study is to determine the effect of Third Party Funds (TPF), Capital Adequacy Ratio (CAR), Return on Assets (ROA), Non Performing Loans (NPL), and Loan to Deposit Ratio (LDR) on credit disbursement at conventional banks period year 2015-2019. This study uses quantitative data types with associative methods. The sample is 24 banks with a purposive sampling method. The data analysis technique used is multiple linear regression using the SPSS software application. The results show that TPF and LDR had a positive and significant effect on lending. CAR, ROA, and NPL did not affect distribution credit. However, simultaneously the independent variables affect the dependent variable (credit distribution). Banks as providers of funds must pay attention to the factors that influence lending so that both banks, users of funds, and the government can benefit from the provision of these funds.

scholarly journals PENGARUH KELOMPOK MANAJEMEN PUNCAK TERHADAP FINANCIAL DISTRESS : STUDI KASUS PADA PERUSAHAAN PERBANKAN DI INDONESIA

2019 ◽  
Vol 5 (2) ◽  
pp. 88
Author(s):  
Moh. Baqir Ainun
Keyword(s):  
Financial Distress ◽  
Stock Exchange ◽  
Control Variable ◽  
Capital Adequacy ◽  
Top Management ◽  
Return On Assets ◽  
Operating Income ◽  
Management Group ◽  
Analysis Technique ◽  
Capital Adequacy Ratio

This study aims to identify the influence between top management related to financial distress. This study uses data of banking who listed on the Indonesia Stock Exchange in 2016. The data analysis technique in this research using multiple regression analysis method with the control variable; Return on Assets (ROA), Operational Costs to Operating Income (BOPO), Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), and Cash Ratio (CR). The study discusses to support the stewardship theory that considers the top management group to have a mandate to the shareholders to manage the company and maintain the organization. However, the differences in the structure of the top management group will not affect their motivation to avoid financial stress. The results showed that the top management group had no significant effect on financial distress. This result is also shown the condition and structure of the top management group in the company still has the same goal which is to avoid financial distress.

scholarly journals ANALISIS PENGARUH STRUKTUR MODAL (CAR) DANDANA PIHAK KETIGA (FDR) TERHADAP PROFITABILITAS (ROA) DENGAN KREDIT BERMASALAH (NPF) SEBAGAI VARIBEL INTERVENING PADA PERBANKAN UMUM SYARIAH DI INDONESIA

2019 ◽  
Vol 2 (2) ◽  
pp. 1
Author(s):  
Fitria Marisya
Keyword(s):  
Capital Structure ◽  
Path Analysis ◽  
Capital Market ◽  
Investment Decisions ◽  
Capital Adequacy ◽  
Third Party ◽  
Test Results ◽  
The Public ◽  
Capital Adequacy Ratio ◽  
Intervening Variables

This research focuses on the analysis of the influence of capital structure (Capital Adequacy Ratio/ CAR) and third-party Funds (Financing to Deposit Ratio/ FDR) towards Profitability (Return on Asset/ ROA) with Troubled Financing (Non Performing Financing/ NPF), as the Intervening Variables in the Public Sharia Banking In Indonesia. The data was obtained from the Indonesian Capital Market Directory (ICMD)and analyzed using Path Analysis with the help of AMOS programs22.The test results show some impact as follows: 1. The CAR has a positive and significant to FDR. 2. The NPF is not positive and significant to FDR. 3. The CAR is positive and significant to ROA. 4. The NPF is negative and significant to ROA. 5.The FDR is positive and significant to ROA. 6.The FDR is a significant intervening intervening variable between CAR and ROA in the form of partial mediation. 7.The FDRisasignificantandinfluential variable intervening between the NPF and ROA in the form of partial mediation. This research isexpected to be beneficial to investors, among others, and this research can be used as a consideration in making investment decisions. Also, the researchers can use this as a reference for any research related to capital structure (CAR), third-party Funds (FDR), profitability (ROA), and was the troubled Financing(NPF).

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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