scholarly journals PENGARUH DANA PIHAK KETIGA, NON-PERFORMING LOAN, DAN NET INTEREST MARGIN TERHADAP PROFITABILITAS BANK UMUM PEMERINTAH DI INDONESIA

2021 ◽  
Vol 7 (1) ◽  
pp. 77-93
Author(s):  
Adinda Putri Juleita ◽  
Achmad Nawawi
Keyword(s):  
Financial Services ◽  
Balance Sheet ◽  
Third Party ◽  
Significant Positive Effect ◽  
Purposive Sampling ◽  
The Third ◽  
Net Interest Margin ◽  
The Third Party ◽  
Positive Effect ◽  
Interest Margin

This research was conducted to analyze the effect of Third Party Funds, Non Performing Loan (NPL), and Net Interest Margin (NIM) both partially and simultaneously on profitability in government public banks in Indonesia. This research sample is the government's public Bank in Indonesia for 10 periods (2010-2019), with a total sample of 4 banks. The sample was selected using saturated purposive sampling. The type of data in this study is quantitative data sourced from financial reports (balance sheet and calculation of financial ratios) through the official website of the Financial Services Authority (OJK). The results of this study indicate that; (1) the Third Party Funds has a significant positive effect on profitability, (2) NPL has a significant negative effect on profitability, (3) NIM has a significant positive effect on profitability, and (4) simultaneously the  Third Party Funds, NPL, and NIM have a significant positive effect on profitability. Keywords : Third Party Funds, Non Performing Loans, Net Interest Margin, Profitability  Abstrak Penelitian ini dilakukan untuk menguji Dana Pihak Ketiga (DPK), Non-Performing Loan (NPL), dan Net Interest Margin (NIM), baik secara parsial maupun simultan terhadap Profitabilitas dengan objek penelitian yaitu Bank Umum Pemerintah yang ada di Indonesia periode tahun 2010-2019. Sampel penelitian ini adalah Bank Umum Pemerintah di Indonesia yang berjumlah 4 bank dengan mengambil periode pengamatan data selama 10 tahun (2010-2019). Sampel dipilih dengan menggunakan purposive sampling jenuh. Jenis data dalam penelitian ini adalah data kuantitatif yang bersumber dari laporan keuangan (neraca dan perhitungan rasio keuangan) melalui laman web resmi Otoritas Jasa Keuangan (OJK). Hasil penelitian ini menunjukkan bahwa; (1) DPK berpengaruh positif signifikan terhadap profitabilitas, (2) NPL berpengaruh negatif signifikan terhadap profitabilitas, (3) NIM berpengaruh positif signifkan terhadap profitabilitas, dan (4) secara simultan DPK, NPL, dan NIM berpengaruh positif signifikan terhadap profitabilitas.

scholarly journals 61 Pengaruh Dana Pihak Ketiga (DPK) dan Biaya Operasional Pendapatan Operasional (BOPO) terhadap Return On Asset (ROA) (Studi Kasus Pada Bank Umum Swasta Nasional Devisa yang Terdaftar di BEI)

2017 ◽  
Vol 7 (1) ◽  
Author(s):  
Wati Aris Astuti
Keyword(s):  
Commercial Banks ◽  
Stock Exchange ◽  
Balance Sheet ◽  
Third Party ◽  
Test Statistic ◽  
Operating Income ◽  
The Third ◽  
Income Statement ◽  
Verification Methods ◽  
The Third Party

This study aims to determine the development of the Third Party Funds, thedevelopment of Operating Expenses to Operating Income and the development ofReturn on Assets, as well as to determine whether the Third Party Funds significantlyinfluence whether the Return on Assets and Operating Expenses Operating Incomesignificantly affects the Return On Asset. The population used in this study is theForeign Exchange Commercial Banks listed in Indonesia Stock Exchange. The sampleused is the annual financial statement of the balance sheet and income statement ofthe 6 banks 2008-2013. The sample using purposive sampling method. The method used in thisresearch is descriptive and verification methods. The test statistic used is multiplelinear regression analysis, hypothesis testing with the help of application program IBMSPSS 20.0.The results showed that the Third Party Funds significantly influence the Returnon Assets and Operating Expenses to Operating Income significantly influence theReturn on Assets at the Foreign Exchange Commercial Banks listed in Indonesia StockExchange.

scholarly journals Faktor-Faktor Yang Mempengaruhi Pembiayaan Pada Bank Umum Syariah Devisa Di Indonesia

2020 ◽  
Vol 5 (1) ◽  
pp. 39-62
Author(s):  
Umiyati Umiyati ◽  
Leni Tantri Ana
Keyword(s):  
Data Processing ◽  
Foreign Exchange ◽  
Regression Method ◽  
Third Party ◽  
Microsoft Excel ◽  
Quarterly Data ◽  
Purposive Sampling ◽  
The Third ◽  
Spss Software ◽  
The Third Party

ABSTRAK. Penelitian ini bertujuan untuk menganalisis pengaruh variabel Dana Pihak Ketiga (DPK), Financing to Deposit Ratio (FDR), Return on Asset (ROA), Non Performing Financing (NPF) dan Inflasi Terhadap Pembiayaan Pada Bank Umum Syariah Devisa di Indonesia. Data yang digunakan dalam penelitian ini adalah data Triwulan dari Maret 2011 sampai Desember 2015. Teknik sampling yang digunakan dalam penelitian ini adalah purposive sampling dengan menggunakan alat analisis regresi linier berganda menggunakan program SPSSversi 20 dan Microsoft Excel 2016. Hasil penelitian menunjukkan secara parsial bahwa Return on Asset (ROA), Performing Financing (NPF) dan Inflasi tidak berpengaruh signifikan terhadap Pembiayaan. Sedangkan Dana Pihak Ketiga (DPK) dan Financing to Deposit Ratio (FDR) berpengaruh signifikan terhadap Pembiayaan. Hasil lainnya menunjukkan nilai Adjusted R Square sebesar 91,3% yang berarti secara simultan menunjukkan bahwa Jumlah Pembiayaan pada Bank Umum Syariah Devisa dipengaruhi oleh Dana Pihak Ketiga (DPK), Financing toDeposit Ratio (FDR), Return on Asset (ROA), Non Performing Financing (NPF) dan Inflasi Sedangkan sisanya sebesar 8,7% dipengaruhi oleh variabel lain di luar model.Kata kunci: Pembiayaan, Dana Pihak Ketiga (DPK), Financing to DepositRatio (FDR), Return On Asset (ROA), Non PerformingFinancing (NPF) dan InflasiABSTRACT. This research aim to analyze the effect of the third-party funds, Financing to Deposit Ratio (FDR), Return on Asset (ROA), Non Performing Financing (NPF) and Inflation against the total of fund at Syariah Banking foreign exchange in Indonesian. The data for assessing this research are acquired quarterly data from March 2011 to December 2015. Technical sampling used in this research is purposive sampling and used multiple linier regression method. Data processing in this research uses SPSS software 20.0 and Microsoft Excel 2016. The results of theanalysis indicated that partially, Return on Asset(ROA), Non Performing Financing (NPF) and Inflation has no significant affect to funds. The third-party funds and Financing to Deposit Ratio (FDR) are significant to funds.The amount of the adjust Rsquare is 91,3%. Simultaneously the third-party funds, Financing to Deposit Ratio (FDR), Return on Asset (ROA), Non Performing Financing (NPF) and Inflation have significant affect. While the remaining amount of 8,7% influenced by other factorsthat are not included in the study variables.Keywords: The Total of fund, the third-party funds, Financing to Deposit Ratio (FDR), Return on Asset (ROA), Non Performing Financing (NPF) and Inflation

scholarly journals PENGARUH TINGKAT KECUKUPAN MODAL DAN DANA PIHAK KETIGA TERHADAP PEMBIAYAAN BERBASIS BAGI HASIL

EkoPreneur ◽  
2020 ◽  
Vol 1 (2) ◽  
pp. 218
Author(s):  
Riyan Bagus Kristada ◽  
Ani Kusumaningsih
Keyword(s):  
Financial Services ◽  
Hypothesis Test ◽  
Linear Regression Analysis ◽  
Secondary Data ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Third Party ◽  
Technical Data ◽  
The Third ◽  
The Third Party

The research examined influence of the level of capital adequacy and the third party funds to the profit based financing. This study uses Sharia Banks listed on the Financial Services Authority during the period 2013-2017 as the object of research. The research used quantitative. Source of data used is secondary data. Population of the research is Sharia Banks listed on the Financial Services Authority during the period 2013-2017. Determination of this research sample using purposive sampling method and obtained 5 Sharia Banks as samples. Technical data analysis used in this research is descriptive statistic test, classical assumption test, multiple linear regression analysis and hypothesis test using SPSS version 22.  The research showed that: the level of capital adequacy has a significant positive to the profit based financing, the third party funds has a significant positive to the profit based financing. And also the level of capital adequacy and the third party funds has a significant effect to the profit based financing. Keywords: The Level of Capital Adequacy, Third Party Funds, The Profit Based Financing.

scholarly journals IMPRESSION OF NON-PERFORMING LOAN, LOAN TO DEPOSIT RATIO, AND NET INTEREST MARGIN AGAINST PROFITABILITY

2020 ◽  
Vol 4 (1) ◽  
pp. 27-31
Author(s):  
Miryam Alawiyah ◽  
Dedy Wijaya Kusuma ◽  
Fetri Setyo Liyundira
Keyword(s):  
Linear Regression ◽  
Multiple Linear Regression ◽  
Sampling Method ◽  
Third Party ◽  
Test Results ◽  
Return On Assets ◽  
Purposive Sampling ◽  
Net Interest Margin ◽  
Period Data ◽  
Interest Margin

This study aims to determine the effect of Net Performing Loans, Loan to Deposit Ratio, and Net Interest Margin on profitability. Profitability is proxied by Return On Assets (ROA). Whereas the factor for the existence of Net Performing Loans (NPL) is proxied by non-performing loans, the Loan to Deposit Ratio (LDR) factor is proxied by third-party fund distribution, and the Net Interest Margin (NIM) factor is net interest income proxied. The population in this study amounted to 25 Rural Banks (BPR) in the Jember Regency, and for the study, the sample was 19 People's Credit Banks (BPR) in the Jember Regency, which were selected using the purposive sampling method for the 2017-2018 period. Data were analyzed using multiple linear regression. Based on the test results, it was concluded that the components of the Net Performing Loan (NPL), Loan to Deposit Ratio (LDR), and Net Interest Margin (NIM) affect the profitability using the Return on Assets (ROA) ratio. This proves that Non-Performing Loans (NPLs), Loans to Deposit Ratio (LDR), and Net Interest Margin (NIM) can be used to measure how much income the Bank earns.

scholarly journals FAKTOR-FAKTOR YANG MEMPENGARUHI PROFITABILITAS BANK PADA BANK KONVENSIONAL YANG TERDAFTAR DI BURSA EFEK INDONESIA

2018 ◽  
Vol 10 (2) ◽  
pp. 267
Author(s):  
Sugiarto Sugiarto ◽  
Henny Setyo Lestari
Keyword(s):  
Significant Relationship ◽  
Stock Exchange ◽  
Sampling Technique ◽  
Significant Positive Effect ◽  
Return On Equity ◽  
Purposive Sampling ◽  
Net Interest Margin ◽  
Asset Quality ◽  
Positive Effect

<p><em>This study aimed to determined the factors that impact profitability of conventional banking companies listed in Indonesian Stock Exchange for the period of 2006-2015. The number of samples taken in this study </em><em>was</em><em> 20 </em><em>banks</em><em> with the sampling technique used was purposive sampling. Independent </em><em>variables</em><em> in this study </em><em>are</em><em> bank size, capital ratio, loan ratio, deposit and asset quality. The dependent </em><em>variables are</em><em> return on equity, return on asset, and net interest margin. From the results, bank size, capital ratio and loan ratio </em><em>have</em><em> a significant positive effect on ROE, ROA, and NIM. Deposit has a significant positive effect on ROE but has no significant relationship on ROA and NIM. Asset quality has a significant positive effect on NIM but has no significant relationship with ROE and ROA. </em><em>In application, the bank</em><em> is expected to continue to increase its size by continuing to increase its assets, </em><em>and maintains</em><em> the quality of capital and assets in order not to become the burden of the bank</em><em>.</em><em></em></p>

scholarly journals Pengaruh Struktur Kepemilikan dan Struktur Dana Pihak Ketiga Terhadap Pengungkapan Tata Kelola Pada Perbankan Syariah di Indonesia

2020 ◽  
Vol 11 (2) ◽  
pp. 82
Author(s):  
Farah Dwi Puspitasari ◽  
Citra Sukmadilaga ◽  
Indri Yuliafitri
Keyword(s):  
Corporate Governance ◽  
Ownership Structure ◽  
Financial Services ◽  
Profit Sharing ◽  
Third Party ◽  
Significant Positive Effect ◽  
Analysis Method ◽  
Independent Variable ◽  
Positive Effect ◽  
Governance Disclosure

<em><span lang="EN-US">This study aims to examine the influence of ownership structure and third party funds on corporate governance disclosure. The dependent variable used in this research is corporate governance disclosure measured by Islamic Corporate Governance (ICG). The independent variable in this research is ownership structure measured by blockholders ownership and third party funds measured by Restricted Profit Sharing Investment Account (RPSIA). The population in this study is the sharia banking industry registered in the Financial Services Authority (OJK) period 2012-2018. The sample in this research is 11 Sharia. The data analysis method used in this study is multiple linear regression. The results showed that: (1) ownership structure has a significant positive effect on corporate governance disclosure. (2) third party funds has a significant positive effect on corporate governance disclosure.</span></em>

scholarly journals The evolution mechanism of the multi-value chain network ecosystem supported by the third-party platform

2021 ◽  
Vol 0 (0) ◽  
pp. 0
Author(s):  
Xumei Zhang ◽  
Jiafeng Yuan ◽  
Bin Dan ◽  
Ronghua Sui ◽  
Wenbo Li
Keyword(s):  
Value Chain ◽  
Growth Stage ◽  
Service Level ◽  
Third Party ◽  
Evolution Mechanism ◽  
The Third ◽  
Negative Effect ◽  
The Third Party ◽  
Positive Effect ◽  
Dynamics Method

<p style='text-indent:20px;'>This paper aims to study the evolution mechanism of the third-party platform ecosystem. A multi-value chain network ecosystem composed of multiple manufacturers, multiple suppliers, several logistics providers and a third-party platform for manufacturing is considered. The system dynamics method is used to build the model, and this paper collects relevant industry and platform data to simulate the evolution of user scale and participants' revenues. Furthermore, the influence of platform subsidy and matching service level on the evolution is studied. The results show that the platform's evolution can be divided into four stages: emergence, growth, maturity and upgrade. This paper also finds that, at the emergence stage and the growth stage, the augmentation of the subsidies to manufacturers makes the manufacturers' scale expand but let their revenues decline. Meanwhile, the platform's revenues reduce at the emergence stage while increase at the growth stage. When the subsidy amount is high and continues to augment, its positive effect on the user scale is weakened while its negative effect on manufacturers' revenues is enhanced. Besides, improving the matching service level is not conducive to the platform's revenues at the emergence stage, but after entering the growth stage, it can increase user scale and the platform's revenues simultaneously.</p>

scholarly journals ANALISIS PENGARUH NON PERFORMING FINANCING DAN FINANCING TO DEPOSIT RATIO TERHADAP VOLUME PEMBIAYAAN PADA PERBANKAN SYARIAH DI INDONESIA DENGAN DANA PIHAK KETIGA SEBAGAI VARIABEL

2018 ◽  
Vol 1 (01) ◽  
Author(s):  
Endriana Whidaningayu
Keyword(s):  
Regression Analysis ◽  
Third Party ◽  
Islamic Banks ◽  
Step Method ◽  
Purposive Sampling ◽  
The Third ◽  
The Third Party

This study aims to analyze the effect of the NPF ( non performing financing) and FDR (financing to deposit ratio) to the volume of financing of Islamic Banks in Indonesia with third-party funds as a mediating variable. The population in this study are all Islamic banks in Indonesia who registered at Bank Indonesia.  Determination of the sample used by using purposive sampling, then obtain three Islamic banks were analyzed by mediation regression analysis which use multiple causal step method.            The results of this study indicate that the NPF has positive significant to the volume of financing of Islamic banks in Indonesia, FDR has no significant to the volume of financing of Islamic banks in Indonesia, NPF has positive significant to the third-party funds, FDR has no significant to the third-party funds, the third-party funds has positive significant to the volume of financing of Islamic banks in Indonesia, the third-party funds has significant effect in mediating NPF to the volume of financing of Islamic banks in Indonesia.

DANA PIHAK KETIGA (DPK) DAN PEMBIAYAAN AKAD MURABAHAH (Studi Pada PT. Bank Syariah Mandiri Periode 2014-2018), The Third Party Fund (DPK) and Murabahah Akad Financing (Study at PT. Bank Syariah Mandiri Period 2014-2018)

2021 ◽  
Vol 5 (1) ◽  
pp. 83-99
Author(s):  
Andriani Andriani ◽  
Fitri Patika Sari
Keyword(s):  
Hypothesis Test ◽  
Pearson Correlation ◽  
Secondary Data ◽  
Strong Relationship ◽  
Capital Adequacy ◽  
Third Party ◽  
Islamic Banking ◽  
Purposive Sampling ◽  
The Third ◽  
The Third Party

Dana pihak ketiga dalam perbankan Syariah sanggatlah penting. Begitu pentingnya dana pihak ketiga bagi bank, maka untuk menghasilkan keuntungan akan direalisasikan dalam pemberian pembiayaan. Pembiayaan yang paling diminati dalam perbankan syariah adalah pembiayaan akad murabahah. Dengan pendekatan kuantitatif dari data sekunder, pemilihan sampel menggunakan metode purposive sampling, sampel yang digunakan dalam penelitian ini adalah laporan keuangan periode 2014-2018. Teknik analisis data yang digunakan  dalam penelitian ini adalah analisis statistik deskriptif variabel, uji normalitas, uji hipotesis, uji korelasi dan uji regresi linier sederhana dengan bantuan program SPSS 21.0. Hasil penelitian Dana pihak ketiga pada Bank Syariah Mandiri memiliki kenaikan rata-rata sebesar 10%, dimana pada setiap tahun dalam periode tersebut jumlah akan dana pihak ketiga yang dihimpun dari masyarakat meningkat senantiasa tumbuh positif. Dengan rasio kecukupan modal pada kisaran 9%-12%. Berbanding lurus dengan Dana pihak ketiga, pembiayaan yang ada pada Bank Syariah Mandiri juga mengalami peningkatan dimana rata-rata akan peningkatan dalam periode tersebut 7-8% dengan proporsi terbesar pada pembiayaan dengan menggunakan skema murabahah. Dengan kondisi rasio FDR pada kisaran 75%-85%, maka Bank Syariah Mandiri memiliki rasio yang sehat. Pengaruh dana pihak ketiga terhadap pembiayaan murabahah memiliki hubungan yang kuat antar kedua variabel dengan nilai korelasi pearson = 0,870 dengan persamaan  regresi sederhana, Y = 3,912+0,870X, dimana variabel pembiayaan murabahah (Y) tidak terdapat intervensi variabel lain kan bernilai 3,912. Apabila terdapat intervensi variabel dana pihak Ketiga, variabel Pembiayaan Murabahah akan mengalami 0,870 basis poin. Dengan nilai R2 = 0,756 yang mana variabel dana pihak ketiga mampu menjelaskan variabel pembiayaan murabahah dengan persentase sebesar 75,6%, sisanya sebesar 24,4% berasal dari variabel lain yang tidak teridentifikasi pada penelitian ini.Third party funds in Islamic banking are very important. Once the importance of third party funds for banks, to generate profits will be realized in the provision of financing. The financing that is most in demand in Islamic banking is the financing of the Murabahah contract. With a quantitative approach from secondary data, the sample selection uses a purposive sampling method, the sample used in this study is the financial statements for the 2014-2018 period. The data analysis technique used in this research is descriptive statistical analysis of variables, normality test, hypothesis test, correlation test and simple linear regression with the help of the SPSS 21.0 program. Research results Third party funds at Bank Syariah Mandiri have an average increase of 10%, where in each year in that period the amount of third party funds collected from the public increases and continues to grow positively. With a capital adequacy ratio in the range of 9% -12%. Directly proportional to third party funds, existing financing at Bank Syariah Mandiri has also increased where on average there will be an increase in the period 7-8% with the largest proportion of financing using the Murabahah scheme. With the FDR ratio in the range of 75% -85%, Bank Syariah Mandiri has a healthy ratio. The effect of third party funds on Murabahah financing has a strong relationship between the two variables with a Pearson correlation value = 0.870 with a simple regression equation, Y = 3,912 + 0.870X, where the Murabahah financing variable (Y) has no other variable intervention, it is worth 3,912. If there is a third party fund variable intervention, the Murabahah Financing variable will experience 0.870 basis points. With a value of R2 = 0.756 where the third party fund variable is able to explain the Murabahah financing variable with a percentage of 75.6%, the remaining 24.4% comes from other variables not identified in this study. 

scholarly journals PENGARUH NON PERFORMING FINANCING, TINGKAT BAGI HASIL, MODAL SENDIRI DAN DAN DANA PIHAK KETIGA TERHADAP PEMBIAYAAN BAGI HASIL PADA PERBANKAN SYARIAH

EkoPreneur ◽  
2019 ◽  
Vol 1 (1) ◽  
pp. 1
Author(s):  
Dila Anggraini ◽  
Indra Iman Sumantri
Keyword(s):  
Secondary Data ◽  
Sampling Technique ◽  
Profit Sharing ◽  
Third Party ◽  
Islamic Banking ◽  
Significant Positive Effect ◽  
Purposive Sampling ◽  
For Profit ◽  
Processing Data ◽  
Positive Effect

The purpose of this study is the results of the Profit Sharing Funds, Own Capital and Third Party Funds for Profit Sharing Financing. This study uses secondary data for the 2014-2018 period in Islamic banking. The sampling technique uses purposive sampling. Tool for processing data using SPS 21.0. The results showed that Non Performing Financing had no effect on Profit Sharing Financing, Profit Sharing Levels did not have a significant positive effect on Profit Sharing Financing, Own Capital did not have a significant effect on Profit Sharing Financing, Funds Keywords: Non Performing Financing, Profit Sharing Rate, Own Capital, Third Party Funds, Profit Sharing Financing.

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