scholarly journals PENGARUH KINERJA PERBANKAN TERHADAP JUMLAH PENYALURAN KREDIT ATAU PEMBIAYAAN PADA BANK KONVENSIONAL DAN SYARIAH

Media Ekonomi ◽  
2016 ◽  
Vol 24 (2) ◽  
pp. 101
Author(s):  
Yunita Hasanah ◽  
Ida Busneti
Keyword(s):  
Multiple Regression ◽  
Secondary Data ◽  
Positive Influence ◽  
Capital Adequacy ◽  
Third Party ◽  
Annual Reports ◽  
Capital Adequacy Ratio

<p><em>The goal this research to analyze comparing of factors that influence credit distribution at PT. Bank DKI and finance at PT. Bank Syariah Mandiri. The variable that influence credit distribution is: Third Party Funds, NonPerforming Loan/NonPerforming Finance and Capital Adequacy Ratio.This research used secondary data quertaly during the period 2008-2015 at the case study PT. Bank DKI and PT. Bank Syariah Mandiri from Finance Annual Reports of each Bank. The Methodology used is multiple regression analyze. This research shows is Third Party Funds and Capital Adequacy Ratio significantly and positive influence for the credit distribution and financing. NonPerforming Loan/No</em><em>n</em><em>Performing Finance has a negative and significant effect for credit distribution and financing.  </em></p>

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 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.

scholarly journals THE EFFECT OF CREDIT RISK AND CAPITAL ADEQUACY RATIO UPON RETURN ON ASSET (A Case Study at Banking Listed in Indonesia Stock Exchange)

2019 ◽  
Vol 2 (02) ◽  
Author(s):  
Yuli Anwar ◽  
Etty Murwaningsari
Keyword(s):  
Regression Analysis ◽  
Credit Risk ◽  
Multiple Regression Analysis ◽  
Multiple Regression ◽  
Stock Exchange ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Significance Level ◽  
Capital Adequacy Ratio ◽  
Test Of Hypothesis

The aim of study to examine the effect of credit risk as measured by non performing loan, and capital adequacy ratio to profitability level measured by return on assets in banking companies listed in Indonesia Stock Exchange (IDX). This research belongs to causative research. The population in this study is the stateowned banks listed on Indonesia Stock Exchange. The sample of this study is determined by purposive sampling method so that obtained four sample companies. The type of data used is secondary data obtained from www.idx.co.id. The analysis method used is multiple regression analysis, correlation, determination and partial test of hypothesis with t test and simultaneously with F test. Based on the results of multiple regression analysis with 5% significance level, the results of this study conclude: (1) non performing loan has a negative and significant influence on profitability in banking companies listed on Indonesia Stock Exchange (2) capital adequacy ratio positively affect profitability on banking industry listed on Indonesia Stock Exchange. So simultaneously and together it can be concluded that NPL and CAR have an effect on ROA.

scholarly journals Analisis Faktor Spesifik Bank Terhadap Non Performing Loan Pada Bank Umum Konvensional Yang Terdaftar Di Bursa Efek Indonesia

Owner ◽  
2022 ◽  
Vol 6 (1) ◽  
pp. 43-55
Author(s):  
Meily Juliani
Keyword(s):  
Secondary Data ◽  
Capital Adequacy ◽  
Annual Reports ◽  
Return On Equity ◽  
Operating Income ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Specific Factors ◽  
Conventional Banks ◽  
Interest Margin

The purpose of this research is to analyze the effect of bank specific factors on non-performing loan on public conventional banks. The dependent variable studied was the non-performing loan and independent variables examined were capital adequacy ratio, bank size, loan to deposit ratio, net interest margin, return on equity, operating expenses to operating income, and earning per share.  The secondary data obtained from the annual reports submitted in the IDX. Sample consist of 32 public conventional banks listed in IDX in the period of 2012-2017. The result of this study indicate that bank size and net interest margin has a positive and significant impact on non-performing loan. While return on equity showed a negative and significant impact on non-performing loan. The result of this study also showed that capital adequacy ratio, loan to deposit ratio, operating expenses to operating income and earning per share did not have any significant impact on non-performing loan.

scholarly journals ANALISIS PENGARUH DANA PIHAK KETIGA (DPK), CAPITAL ADEQUACY RATIO (CAR), DAN NON PERFOMING FINANCING (NPF) TERHADAP PEMBIAYAAN (STUDI PADA BUS DAN UUS DI INDONESIA PERIODE 2014-2018)

2019 ◽  
Vol 3 (2) ◽  
pp. 141
Author(s):  
Zuwardi Zuwardi ◽  
Hardiansyah Padli ◽  
Mohammad Aliman Shahmi
Keyword(s):  
Secondary Data ◽  
Capital Adequacy ◽  
Third Party ◽  
Short Term ◽  
Factors Influencing ◽  
Capital Adequacy Ratio ◽  
Endogenous Variables

This study aims to analyze the factors influencing financing on BUS and UUS in Indonesia. Exogenousvariables in this study are Third Party Funds (DPK), Capital Adequacy Ratio (CAR), and Non-PerformingFinancing (NPF), while endogenous variables are financing. This study used secondary data consisted monthlydata of BUS and UUS in 2014-2018. This data is taken from SHARIA banking statistics released by the OJK. Theresearch results obtained that DPK and CAR significantly and positively affect long term financing. While NPFhas no significant effect on long term financing. DPK and NPF also have a positive and significant impact onshirt term financing. Another result was CAR has no significant effect on short term financing.

scholarly journals Mengukur Kinerja Pra Merger Tiga Bank Umum Syariah dan Pengaruhnya Terhadap Return on Asset

2021 ◽  
Vol 8 (1) ◽  
pp. 70-78
Author(s):  
Hanif Artafani Biasmara ◽  
Pande Made Rahayu Srijayanti
Keyword(s):  
Financial Performance ◽  
Commercial Banks ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Third Party ◽  
Return On Assets ◽  
Financial Reports ◽  
Operating Income ◽  
Performance Variables ◽  
Capital Adequacy Ratio

Abstrak  - Pada tahun 2020, telah ditetapkan pelaksanaan merger antara tiga Bank Umum Syariah yang merupakan anak perusahaan dari Bank Badan Usaha Milik Negara (BUMN). Dimana ketiga bank tersebut adalah PT Bank Syariah Mandiri, PT Bank BRIsyariah, Tbk, dan PT Bank BNI Syariah. Penelitian ini dilakukan untuk mengukur kinerja keuangan ketiga bank tersebut sebelum dilakukannya merger dan pengaruhnya terhadap Return on Asset (ROA). Dalam penelitian ini, kinerja keuangan akan diukur dengan variabel Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Biaya Operasional dan Pendapatan Operasional (BOPO), dan persentase pertumbuhan Dana Pihak Ketiga (DPK). Data yang digunakan dalam penelitian ini merupakan data sekunder yang diperoleh melalui laporan keuangan tahunan dari masing-masing bank dengan periode tahun 2015-2019. Dimana data diolah dan dianalisis dengan menggunakan Regresi Linear Data Panel melalui perangkat lunak Stata 16. Kinerja ketiga Bank Umum Syariah sebelum dimerger menunjukkan hasil yang baik. Selama lima tahun terakhir CAR dan NPF memiliki kinerja yang memuaskan. FDR dan BOPO berada sedikit melenceng dari batas minimum ataupun maksimum. Berikutnya, pertumbuhan DPK rata-rata sebesar 15, 89333%. Seluruh variabel kinerja bank tersebut setelah dilakukan pengolahan data, menunjukkan bahwa variabel CAR, FDR, NPF, BOPO, dan pertumbuhan DPK bersama-sama memiliki pengaruh signifikan terhadap ROA. Sedangkan secara parsial, CAR, NPF, dan pertumbuhan DPK tidak memiliki pengaruh signifikan terhadap ROA. Tetapi FDR dan BOPO memiliki pengaruh signifikan terhadap ROA. Dimana melalui penelitian ini diharapkan dapat menjadi pertimbangan bagi PT Bank Syariah Indonesia Tbk dalam upaya memperoleh kinerja yang baik dan pertumbuhan profitabilitas yang tinggiKata Kunci: CAR, FDR, NPF, BOPO, Pertumbuhan DPK, ROA, Bank Umum Syariah Abstract - In 2020, the implementation of a merger between three Islamic Commercial Banks which are subsidiaries of the State-Owned Enterprise (BUMN) Bank has been determined. Where the three banks are PT Bank Syariah Mandiri, PT Bank BRIsyariah, Tbk, and PT Bank BNI Syariah. This research was conducted to measure the financial performance of the three banks before the merger, and their effect on Return on Assets (ROA). In this study, financial performance will be measured by the variable Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non-Performing Financing (NPF), Operational Costs and Operating Income (OEOI), and the percentage growth in Third Party Funds (TPF).The data used in this study is secondary data obtained through the annual financial reports of each bank for the period 2015-2019. Where the data is processed and analyzed using Linear Data Panel regression through Stata 16. The performance of the three Islamic Commercial Banks before the merger showed good results. Over the last five years, CAR and NPF have performed satisfactorily. FDR and BOPO have slightly deviated from the minimum or maximum limits. Next, the growth in deposits was an average of 15.89333%. All of these bank performance variables, after data processing, show that the variables CAR, FDR, NPF, OEOI, and TPF growth together have a significant effect on ROA. Meanwhile, partially, CAR, NPF, and TPF growth have not a significant effect on ROA. However, FDR and BOPO have a significant effect on ROA. Where through this research it is hoped that in the future it can be a consideration for PT Bank Syariah Indonesia, Tbk to obtain good performance and high profitability growth.Keywords: CAR, FDR, NPF, OEOI, TPF Growth, ROA, Islamic Commercial Banks

scholarly journals Pengaruh Capital Adequacy Ratio, Return on Asset, Loan to Deposit Ratio dan Non Performing Loan Terhadap Laba Bersih pada Bank BUMN yang Terdaftar di Bursa Efek Indonesia Periode 2014 – 2018

2020 ◽  
Vol 5 (1) ◽  
pp. 113
Author(s):  
Yunan Surono ◽  
Saiyid Syeikh ◽  
Ade Rinaldi
Keyword(s):  
Multiple Regression ◽  
Stock Exchange ◽  
Secondary Data ◽  
T Test ◽  
Capital Adequacy ◽  
Multiple Regression Equation ◽  
F Test ◽  
Capital Adequacy Ratio ◽  
Net Profit ◽  
Public Banks

This research aims to analyze the effect of simultaneous capital adequacy ratio, return on asset, loan to deposit ratio and non performing loan on the net profit of government public banks in Indonesia Stock Exchange. The effect of partial capital adequacy ratio, return on asset, loan to deposit ratio and non performing loan on the net profit of government public banks in Indonesia Stock Exchange. The research methodology is descriptive and quantitative analysis methods. Data used is secondary data. The population become object in this research is government public bank period of year of 2014-2018. Amount sample the used is the fourth (4)  government public bank and still stand up during period of perception and also publicized of year of 2014-2018 by Indonesian Stock Exchange the analysis multiple regression, hypotesis test so determinant coefficient F test  and  t test. The object of this research is foreign exchange bank listed on the Stock Exchange Indonesia 2014-2018. The sampel in the receach is PT Bank Negara Indonesia,Tbk (BBNI), PT Bank Rakyat Indonesia,Tbk (BBRI), PT Bank Tabungan Negara,Tbk (BBTN), PT Bank Mandiri,Tbk (BMRI), Results of multiple regression equation is Y =  11,469 + 1,30X1  +  1,599X2  - 5,069X3  + 0,481X4  + e,  F test result, it is known that  capital adequacy ratio, return on asset, loan to deposit ratio and non performing loan simultaneously on the net profit. F count larger than F table (52,763 > 3,06) or comparing the significant level of 0.05 then (0.000 < 0.05) then Ho is rejected and Ha accepted. Based on the results of the t test capital adequacy ratio, return on asset and loan to deposit ratio have significant effect between the net profit  (tcount> ttable).Conclusion is the capital adequacy ratio, return on asset, loan to deposit ratio and non performing loan simultaneously on the net profit.. While partially have variable capital adequacy ratio, return on asset and loan to deposit ratio have significant to net profit

scholarly journals The Variables that Affect Murābaḥa Financing in Islamic Commercial Banks

2017 ◽  
Vol 4 (2) ◽  
pp. 1-16
Author(s):  
Uus Ahmad Husaeni
Keyword(s):  
Commercial Banks ◽  
Linear Regression Analysis ◽  
Sample Selection ◽  
Secondary Data ◽  
Multiple Linear Regression Analysis ◽  
Commercial Banking ◽  
Capital Adequacy ◽  
Third Party ◽  
Return On Assets ◽  
Capital Adequacy Ratio

Murābaḥa financing is a type of financing that dominates the financing contract on Islamic banking in Indonesia. This shows that financing on the basis of sale (murābaḥa) has a greater contribution than the financing of the basis for the profit and loss sharing (muḍāraba and muṣāraka). The purpose of this study is to determine the factors that affect the financing of murābaḥa in the Islamic Commercial Banking in Indonesia by using variables Third Party Fund (DPK), Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non-Performing Financing (NPF) and Return on Assets (ROA). The population in this study is the performance of Islamic Commercial Banks in Indonesia in the period of January 2014 to June 2016. The data used in this research is secondary data and sample selection by using purposive sampling method. The analytical tool used in this research is multiple linear regression analysis at significantly the rate of 5%. The results of this study indicate that the variable DPK, CAR, FDR, NPF, and ROA simultaneously have an influence on Murābaḥa. Coefficient determination test results show that the five independent variables affect the dependent variable amounted to 87.6% and the remaining 12.4% is influenced by other variables. Partially DPK, CAR, FDR, and ROA have a positive and significant effect on the financing Murābaḥa. While the NPF has no influence on Murābaḥa financing.

scholarly journals ANALYSIS OF THE EFFECT OF CAPITAL ADEQUACY RATIO, NON PERFORMING FINANCING, AND FINANCING TO DEPOSIT RATIO ON PROFITABILITY: A CASE STUDY ON ISLAMIC COMMERCIAL BANKS IN INDONESIA

2021 ◽  
Vol 1 (1) ◽  
pp. 32-47
Author(s):  
Ema Muawanah ◽  
Imronudin Imronudin
Keyword(s):  
Commercial Banks ◽  
Stock Exchange ◽  
Secondary Data ◽  
Sampling Technique ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Coefficient Of Determination ◽  
Independent Variables ◽  
Capital Adequacy Ratio

This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), and Financing to Deposit Ratio (FDR) on Profitability (Case Study on Islamic Commercial Banks in Indonesia). This research used secondary data in the form of Islamic Commercial Bank financial statements. The population in this study is Islamic Commercial Banks listed on the Indonesia Stock Exchange in 2016-2018. The sampling technique employed was purposive sampling. A sample of 3 banks was obtained. Multiple linear regression was used. Classical assumption analysis was done prior to data analysis. Hypothesis testing used t-test, F test, and the coefficient of determination (R2). The results of this study indicated that CAR has a positive and significant effect on profitability, NPF has a negative and significant effect on profitability and FDR has a negative and no significant effect on profitability. Meanwhile, the independent variables together have an effect on profitability. The result of the coefficient of determination test shows that 61.1% of the profitability of Islamic Commercial Banks in Indonesia is explained by the variables of CAR, NPF, and FDR, while the remaining 38.4% is explained by other variables outside the model.

scholarly journals An Analyzing Of Factors Affecting on Profitability In BRI Syariah

2021 ◽  
Vol 1 ◽  
pp. 439-449
Author(s):  
Kiki Sagita ◽  
Rendra Erdkhadifa
Keyword(s):  
Secondary Data ◽  
Capital Adequacy ◽  
Third Party ◽  
Islamic Banks ◽  
Factors Affecting ◽  
Operating Income ◽  
Simultaneous Test ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Operating Margin

The research is motivated by the level of profitability which is a benchmark for Islamic banks in generating profits which is still not stable and tends to decrease every year. The factors that can affect the level of profitability of Islamic banks are Third Party Funds (DPK), Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), Financing to Deposit Ratio (FDR), Net Operating Margin (NOM), and Operating Expenses for Operating Income ( BOPO). The purpose of this study was to determine the effect of the variables TPF, CAR, NPF, FDR, NOM, and BOPO on the profitability of BRI Syariah Bank and to find out which variables had the most significant effect on the profitability of BRI Syariah Bank. The data used in this study is secondary data obtained from the quarterly financial statements of BRI Syariah Bank for the period 2012 to 2020. The data analysis technique used multiple linear regression consisting of multicollinearity test, multiple regression analysis, simultaneous test, partial test, and classical assumption test of residuals. The test results show that NPF, CAR, NPF, FDR, and NOM have a significant effect on the profitability of BRI Syariah Bank

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