scholarly journals Pengaruh Pembiayaan Mudharabah dan Musyarakah Terhadap Return On Asset BPRS di Indonesia

2020 ◽  
Vol 25 (1) ◽  
pp. 132
Author(s):  
Faris Kurnia Hakim, Mauizhotul Hasanah
Keyword(s):  
Linear Regression ◽  
Ordinary Least Squares ◽  
Research Approach ◽  
Islamic Banks ◽  
Significant Positive Effect ◽  
Return On Assets ◽  
The Public ◽  
Analysis Technique ◽  
Negative Effect ◽  
Positive Effect

As an intermediary institution, BPRS has facilities in the field of financing where Islamic banks channel funds obtained from the public in the form of deposits. This research was conducted to determine the effect of mudharabah and musyarakah financing simultaneously and partially on the Return On Assets of Islamic People's Financing Banks in Indonesia. The object of research is all Islamic People's Financing Banks in Indonesia from January 2016 to December 2018. The research approach used is a quantitative approach. The analysis technique used is multiple linear regression or OLS (Ordinary Least Squares). The results of this study are the financing using mudharabah and musyarakah contracts simultaneously does not have a significant positive effect on the Return on Assets of Islamic People's Financing Banks in Indonesia. Mudharabah financing partially does not have a significant positive effect on the Return on Assets of the Islamic People's Financing Bank in Indonesia. Musyarakah financing partially does not have a significant negative effect on the Return On Assets of the Islamic People's Financing Bank in Indonesia.

scholarly journals Pengaruh Capital Adequacy Ratio, Financing to Deposit Ratio, dan Kurs terhadap Return On Asset

2020 ◽  
Vol 2 (3) ◽  
pp. 187-194
Author(s):  
Annisa Indria Irnawati ◽  
Bambang Waluyo ◽  
Taufikul Ichsan
Keyword(s):  
Exchange Rate ◽  
Exchange Rates ◽  
Capital Adequacy ◽  
Islamic Banks ◽  
Significant Positive Effect ◽  
Return On Assets ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Negative Effect ◽  
Positive Effect

Purpose- This study aims to examine the effect of Capital Adequacy Ratio, Financing to Deposit Ratio, and exchange rates on Return On Assets in Islamic Banks for the period 2009 - 2017. Methods- The analysis technique used is multiple linear regression with the assistance of the Program Eviews. Finding- The results showed that CAR has a positive but not significant effect, while FDR has a significant positive effect, and the exchange rate has a significant negative effect on Return On Assets. AbstrakTujuan- Penelitian ini bertujuan untuk menguji pengaruh Capital Adequacy Ratio, Financing to Deposit Ratio, dan kurs terhadap Return On Asset pada Bank Syariah periode 2009 – 2017. Metode- Teknik analisis yang digunakan adalah regresi linier berganda berbantuan programEviews. Temuan- Hasil penelitian menunjukkan bahwa CAR berpengaruh positif namun tidak signifikan, sementara FDR berpengaruh positif signifikan, dan kurs berpengaruh negatif signifikan terhadap Return On Asset

scholarly journals ANALISIS NON PERFORMING FINANCING (NPF) BANK UMUM SYARIAH DI INDONESIA TAHUN 2007 – 2012

2014 ◽  
Vol 12 (1) ◽  
pp. 58
Author(s):  
. Solihatun
Keyword(s):  
Panel Data ◽  
Linear Regression ◽  
Inflation Rate ◽  
Analytical Tool ◽  
Islamic Banks ◽  
Significant Positive Effect ◽  
Return On Assets ◽  
Internal Indicator ◽  
Negative Effect ◽  
Positive Effect

 The purpose of this study was to determine the effect of Financing to Deposit Ratio (FDR) and Return on Assets (ROA) as an internal indicator banks representing aspects of profit and liquidity and the inflation rate as an indicator of bank external (macroeconomic) the ratio of financing problems are reflected in the ratio Non-Performing Financing (NPF) Islamic banks in Indonesia in 2007-2012. analytical tool used is multiple linear regression using panel data. Results of regression is that the variable Financing to Deposit Ratio (X1) and a significant positive effect on Non Performing Financing, Return on Assets (X2) and a significant negative effect on Non Performing Financing and the inflation rate (X3) and no significant positive effect on Non-Performing Financing.

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

Pengaruh Loan To Deposit Ratio Dan Tingkat Suku Bunga Kredit Terhadap Return On Asset

2021 ◽  
Vol 9 (1) ◽  
pp. 93-102
Author(s):  
Dini Wulandari ◽  
Mangasa Augustinus Sipahutar
Keyword(s):  
Financial Institution ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Return On Assets ◽  
The Public ◽  
Analysis Technique ◽  
Negative Effect ◽  
Using Data ◽  
The Relationship ◽  
Positive Effect

Bank is a financial institution that serves as a financial intermediary, which means collecting funds from the public and channel them back to the community in the form of loans.           This research Using data from published financial statements and published from Indonesian banks in the period 2015-2019. Using data from Quarterly. The analysis technique used in this research is multiple linear regression analysis to determine how much the relationship between one variable to another variable. In addition, the test results can be concluded by the multivariate coefficient that LDR has a positive effect and no significant effect on ROA, while lending rates have a significant negative effect on ROA.   Keywords: Return On Assets (ROA), Loan to deposit Ratio (LDR), Credit interest rate level

Estimasi Pengaruh Faktor Internal Bank dan Stabilitas Makroekonomi terhadap Profitabilitas dengan Mediasi Rasio Pembiayaan Bermasalah di PT Bank Muamalat Indonesia

2020 ◽  
Vol 3 (2) ◽  
pp. 93-108
Author(s):  
Annisa Siti Fathonah ◽  
Dadang Hermawan
Keyword(s):  
Secondary Data ◽  
Financial Statements ◽  
Significant Positive Effect ◽  
Return On Assets ◽  
Internal Factors ◽  
Macroeconomic Factors ◽  
Operating Income ◽  
Significant Negative Effect ◽  
Negative Effect ◽  
Positive Effect

This study aims to determine and analyze how much influence the bank's internal factors such as Equity, Operational Costs per Operating Income (BOPO), Financing Deposit to Ratio (FDR), Non Performing Financing (NPF) as a mediator and external or macroeconomic factors namely inflation and Gross Domestic Product (GDP) on profitability represented by Return on Assets (ROA) at Bank Muamalat Indonesia for the period 2008-2018. The data used in this research are secondary data obtained from the publication of quarterly financial statements from 2008 to quarter 2 of 2018. The method that used in this research is path analysis with SPSS 20.0 as the analytical tool. The results of the study partially test the hypothesis (t-test), in substructure I shows that the capital variable has a significant negative effect on NPF, BOPO and inflation has a significant positive effect on NPF, FDR and GDP do not significantly influence NPF at Bank Muamalat Indonesia. In substructure II partially, Capital, BOPO, significant negative effect on ROA, FDR and NPF has a significant positive effect on ROA, Inflation and GDP does not significantly influence ROA while simultaneously significantly influencing ROA. Based on the sobel test, capital has a significant effect on ROA through NPF, BOPO has a significant effect on ROA through NPF, FDR has a significant effect on ROA through NPF, Inflation has a significant effect on ROA through NPF, while GDP has no significant effect on ROA through NPF.

scholarly journals PENGARUH KUALITAS LAYANAN DAN KEPERCAYAAN TERHADAP KEPUASAN NASABAH DALAM MENGGUNAKAN BRI MOBILE (BRIMO)

account ◽  
2021 ◽  
Vol 8 (1) ◽  
Author(s):  
Asri Mandiri ◽  
Efri Yanto ◽  
Elisabeth Metekohy
Keyword(s):  
Linear Regression ◽  
Customer Satisfaction ◽  
Service Quality ◽  
Multiple Linear Regression ◽  
Mobile Banking ◽  
Significant Positive Effect ◽  
Simultaneous Test ◽  
Analysis Technique ◽  
Customer Trust ◽  
Positive Effect

ABSTRACT  This research aims to analyze the effect of service quality and trust on customer satisfaction in using BRIMobile (BRImo) partially and simultaneously. The sample in this research consisted of 100 customers of Bank Rakyat Indonesia. The analysis technique used is multiple linear regression with analysis tools, namely SPSS Version 26.0. The results of this research partially indicate that service quality and customer trust have a significant positive effect on customer satisfaction in using BRI Mobile (BRImo). Based on the results of the simultaneous test, it was found that service quality and customer trust had a significant positive effect on customer satisfaction in using BRI Mobile (BRImo).   Keywords: Service Quality, Customer Trust, Mobile Banking, BRI, Customer Satisfaction ABSTRAK Penelitian ini bertujuan untuk menganalisis pengaruh kualitas layanan dan kepercayaan terhadap kepuasan nasabah dalam menggunakan BRI Mobile (BRImo) secara parsial dan simultan. Sampel dalam penelitian ini terdiri dari 100 nasabah Bank Rakyat Indonesia. Teknik analisis yang digunakan adalah regresi linear berganda dengan alat bantu analisis yaitu SPSS Versi 26.0. Hasil penelitian ini secara parsial menunjukkan bahwa kualitas layanan dan kepercayaan berpengaruh positif signifikan terhadap kepuasan nasabah dalam menggunakan BRI Mobile (BRImo). Berdasarkan hasil uji simultan, ditemukan bahwa kualitas layanan dan kepercayaan berpengaruh positif signifikan terhadap kepuasan nasabah dalam menggunakan BRI Mobile (BRImo).   Kata kunci: Kualitas layanan, Kepercayaan, Mobile Banking, BRI, Kepuasan Nasabah

scholarly journals PENGARUH AKUNTABILITAS DAN TRANSPARANSI PENGELOLAAN KEUANGAN SERTA MOTIVASI TERHADAP KINERJA GURU DI SMAN 1 DAN SMAN 68 JAKARTA PUSAT

2019 ◽  
Vol 2 (2) ◽  
pp. 438
Author(s):  
Hadijah Sanadi
Keyword(s):  
Data Analysis ◽  
Statistical Analysis ◽  
Linear Regression ◽  
Financial Management ◽  
Teacher Performance ◽  
Research Approach ◽  
Analysis Technique ◽  
Saturated Sample ◽  
Positive Effect ◽  
Dominant Influence

This study aims to understand accountability and improve financial management as well as partial and simultaneous motivation for teacher performance in SMAN 1 dan SMAN 68 Jakarta. The research approach is a quantitative and associative quantitative approach. Data obtained using a questionnaire. The population is 82 teachers of SMAN 1 and SMAN 68, Central Jakarta, using saturated sample techniques. Data analysis technique is statistical analysis of multiple linear regression. The results of the study, partially the accountability variable has a positive effect on teacher performance. Transparency variable does not significantly influence teacher performance. The motivation variable partially has a significant effect on performance. Simultaneously the accountability, transparency and motivation variables significantly influence teacher performance. The ability of accountability, transparency, and motivation to explain changes in teacher performance is 58.4%. Among the three variables that most dominant influence teacher performance is motivation, thus motivation is very helpful for teachers in improving their performance.

scholarly journals Analisis Profitabilitas Perbankan Syariah di Indonesia sebagai Dampak Dari Efisiensi Operasional

2017 ◽  
Vol 1 (2) ◽  
Author(s):  
Nur Zulfah Hijriyani ◽  
Setiawan Setiawan
Keyword(s):  
Financial Services ◽  
Secondary Data ◽  
Sampling Technique ◽  
Operational Efficiency ◽  
Islamic Banks ◽  
Return On Assets ◽  
Panel Data Regression ◽  
Analysis Technique ◽  
Data Regression ◽  
Negative Effect

AbstractThe purpose of this study are to measure and analyze operational efficiency that showed by bank financial ratios consisting of Operating Expenses to Operating Revenues (BOPO), Allowance for Possible Losses on Earning Assets (PPAP), Non Performing Financing (NPF) and Financing to Deposits Ratio (FDR) to Profitability that measured by Return on Assets (ROA). The population in this research is 11 Islamic Banking (BUS) by using total sampling technique in determine the sample. The data used in this study is secondary data obtained from the annual report of the bank period 2010 to 2016 published by each bank and matched with the data also by the Financial Services Authority (OJK). The analysis technique used is panel data regression analysis. Based on the result of F-test in this research, it can be concluded that the independent variables (operational efficiency) have a significant effect on the dependent variable (profitability). Meanwhile, the t-test shows that BOPO ratio has a significant negative effect on profitability. For the other three ratios, PPAP, NPF and FDR have no significant effect on profitability of Islamic Banks (BUS).Keywords: Islamic banks; Operational efficiency; Profitability. AbstrakPenelitian ini bertujuan untuk mengukur dan menganalisis pengaruh efisiensi operasionalyang diproksikan dengan rasio keuangan bank yang terdiri dari rasio Biaya Operasionalterhadap Pendapatan Operasional (BOPO), Penyisihan Penghapusan Aktiva Produktif(PPAP), Non Performing Financing (NPF) dan Financing Deposit Ratio (FDR) terhadapprofitabilitas yang diukur dengan Return on Asset (ROA). Populasi dalam penelitian ini adalah 11Bank Umum Syariah (BUS) dengan penggunaan teknik total sampling dalam penentuansampelnya. Data yang digunakan dalam penelitian ini adalah data sekunder yang diperolehdari laporan tahunan bank periode 2010 hingga 2016 yang dipublikasikan oleh masing-masing bank dan dicocokkan dengan data yang juga dipublikasikan oleh Otoritas JasaKeuangan (OJK). Teknik analisis yang digunakan adalah analisis regresi data panel. Berdasarkan hasil uji-F pada penelitian ini, dapat disimpulkan bahwa variabel independen (efisiensi operasional) berpengaruh signifikan terhadap variabel dependen (profitabilitas). Sementara itu, hasil uji-t menunjukkan bahwa rasio BOPO berpengaruh negatif signifikanterhadap profitabilitas. Untuk tiga rasio lainnya yaitu PPAP, NPF dan FDR tidak memilikipengaruh signifikan terhadap profitabilitas Bank Umum Syariah (BUS).Kata Kunci: Bank syariah; Efisiensi operasional; Profitabilitas.

scholarly journals PENGARUH LEVERAGE DAN UKURAN PERUSAHAAN TERHADAP NILAI PERUSAHAAN DENGAN PROFITABILITAS SEBAGAI VARIABEL MEDIASI

2019 ◽  
Vol 8 (5) ◽  
pp. 3028
Author(s):  
Ni Putu Ira Kartika Dewi ◽  
Nyoman Abundanti
Keyword(s):  
Firm Size ◽  
Consumer Goods ◽  
Firm Value ◽  
Stock Exchange ◽  
Sampling Technique ◽  
Significant Positive Effect ◽  
Analysis Technique ◽  
Negative Effect ◽  
Consumer Goods Industry ◽  
Positive Effect

The purpose of this study was to determine the effect of  leverage and  firm size on firm value with profitability as intervening variable on consumer goods industry  in the Indonesian Stock Exchange. The population in this study are companies in the consumer goods industry Indonesian Stock Exchange amounted to 46 companies 2014-2017. Sampling technique used was purposive sampling, so that the final sample that is obtained is 21, a company incorporated in consumer goods industry in Indonesian Stock Exchange 2014-2017. Data analysis technique used in this research is path analysis and Sobel test. The result shows that leverage has significant negative effect on profitability  and firm size has significant positive effect on profitability. Leverage, firm size, and profitability have significant positive effect on firm value. Profitability mediates the effect of leverage on firm value significantly and profitability also mediates the effect of firm size  on firm value significantly.

scholarly journals Pengaruh Growth Opportunity dan Leverage pada Earning Response Coefficient

2020 ◽  
Vol 30 (6) ◽  
pp. 1414
Author(s):  
I Gusti Ayu Ary Amalia Tamara ◽  
I Gusti Ngurah Agung Suaryana
Keyword(s):  
Growth Rate ◽  
Linear Regression ◽  
Sampling Method ◽  
Stock Exchange ◽  
Manufacturing Companies ◽  
Response Coefficient ◽  
Analysis Technique ◽  
Growth Opportunity ◽  
Negative Effect ◽  
Positive Effect

The purpose of this research is aim to obtain empirical evidence about the effect of growth opportunity and leverage on earning response coefficient (ERC). This research was conducted at manufacturing companies listed on the Indonesia Stock Exchange in 2016-2018. The sample are selected with purposive sampling method. The number of selected sample are 65 companies. The analysis technique of this research is using multiple linear regression. The result showed that growth opportunity had positive effect on ERC. Whereas leverage had negative effect on ERC. The higher the company's growth rate will increase ERC. While the higher the leverage the company will reduce ERC. Keywords: Growth Opportunity; Leverage; Earning Response Coefficient.

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