scholarly journals PERTUMBUHAN KREDIT DAN TINGKAT KEBERISIKOAN BANK

2017 ◽  
Vol 15 (2) ◽  
pp. 93
Author(s):  
Chorry Sulistyowati
Keyword(s):  
Linear Regression ◽  
Credit Risk ◽  
Multiple Linear Regression ◽  
Annual Report ◽  
Financial Institution ◽  
Bank Profitability ◽  
Strategic Role ◽  
Negative Effect ◽  
Bank Solvency ◽  
Loan Growth

Bank is one of financial institution which has strategic role in the economy. Bank has to deliver funds from surplus unit to deficit unit. Prudential banking helps bank to minimize the risk especially credit risk. Loan growth and riskiness of the bank are the important thing for bank profitability and bank solvency. This research aimed to measure the effect of loan growth to bank profitability and bank solvency. Data used in this research collected from Financial Annual Report Bank Indonesia (BI) from 2008 to 2013 with multiple linear regression. The result from this research are either loan growth or size have negative effect to interest revenue only size has significant effect. Second hypothesis also proved that loan growth and size also have negative effect to bank solvency. Both of them are not siginificant

scholarly journals PENGARUH FINANCING TO DEPOSIT RATIO (FDR), NON PERFORMING FINANCING (NPF) DAN BIAYA OPERASIONAL PENDAPATAN OPERASIONAL (BOPO) TERHADAP PROFITABILITAS PADA BRI SYARIAH PERIODE 2011-2018

account ◽  
2020 ◽  
Vol 7 (1) ◽  
Author(s):  
Gledis Angrayni Mustari ◽  
Efriyanto Iyan ◽  
Nedsal Sixpria
Keyword(s):  
Linear Regression ◽  
Multiple Linear Regression ◽  
Annual Report ◽  
Descriptive Statistics ◽  
Quantitative Approach ◽  
Independent Variables ◽  
Significant Negative Effect ◽  
Negative Effect

PENGARUH FINANCING TO DEPOSIT RATIO (FDR), NON PERFORMING FINANCING (NPF) DAN BIAYA OPERASIONAL PENDAPATAN OPERASIONAL (BOPO) TERHADAP PROFITABILITAS PADA BRI SYARIAH PERIODE 2011-2018 Gledis Angrayni [email protected]@gmail.comNedsal [email protected] Program Studi Keuangan dan Perbankan Syariah Politeknik Negeri Jakarta  ABSTRACTThe purpose of this research is to examine the influence of FDR, NPF and BOPO to Profitability that measure with ROA. The approach used in this research is quantitative approach. The object of this research is PT BRISyariah, Tbk. The research used quarterly period annual report of PT BRISyariah Tbk since 2011-2018 and data from OJK. The data analyzed by multiple linear regression and completed by a classic assumption and descriptive statistics. Hypotheses test used t-statistic and f-statistic at level significance 5%. The result has shown that FDR and NPF variables has no effect significant to ROA. While BOPO has a significant negative effect to ROA. The value of coefficient determination showed that the result is 82% of the variation of the dependent variable can be explained by the independent variables in the model. While the reduce 18% is explained by other causes that are not included in the model. Keywords: FDR, NPF, BOPO, Profitability (ROA) ABSTRAKPenelitian ini bertujuan untuk menguji pengaruh FDR, NPF dan BOPO terhadap Profitabilitas yang diukur dengan ROA. Pendekatan penelitian ini yaitu menggunakan pendekatan kuantitatif. Objek penelitian ini adalah PT BRISyariah, Tbk. Dengan menggunakan data laporan keuangan triwulan periode 2011-2018 dan data dari Otoritas Jasa Keuangan. Teknik analisis data yang digunakan adalah regresi linier berganda dilengkapi uji asumsi klasik dan statistik deskriptif. Hipotesis diuji menggunakan uji t dan uji f dengan tingkat signifikansi 5%. Hasil penelitian ini menyatakan bahwa FDR dan NPF tidak berpengaruh signifikan terhadap ROA. Sedangkan BOPO berpengaruh negatif signifikan terhadap ROA. Sementara secara bersama-sama FDR, NPF dan BOPO berpengaruh signifikan terhadap ROA. Nilai dari koefisien determinasi menunjukan hasil sebesar 82%, yang berarti sebesar 82% dari variasi variabel terikat bisa dijelaskan oleh variabel bebas dalam model tersebut, sedangkan sisanya sebesar18% dipengaruhi oleh faktor lain yang tidak dimasukan ke dalam model penelitian.Kata kunci: FDR, NPF, BOPO, Profitabilitas (ROA)

scholarly journals The Impact of Credit Diversification on Credit Risk and Performance of Indonesian Banks

2020 ◽  
Vol 8 (1) ◽  
pp. 013
Author(s):  
Iin Emy Prastiwi ◽  
Anik Anik
Keyword(s):  
Linear Regression ◽  
Credit Risk ◽  
Multiple Linear Regression ◽  
Commercial Banks ◽  
Financial Statements ◽  
Company Size ◽  
Economic Sector ◽  
Negative Effect ◽  
And Performance ◽  
The Impact

This study aims to identify the effect of credit diversification in the economic sector on credit risk and performance of commercial banks in Indonesia. Multiple linear regression is used to determine the effect of credit diversification on credit risk and banking performance. The data used in this study is the aggregated financial statements of commercial banks inIndonesia during the 2015-2018. The results indicate that credit diversification based on the economic sector has a significant effect on increasing the profitability of commercial banks in Indonesia. The credit diversification based on the economic sector also has a significant effect in reducing credit risk. Two control variables, namely company size and banking liquidity have a significant negative effect on profitability respectively. In the case of credit risk, the company size hasapositive effect, while the banking liquidity has no effect. These findings support the traditional banking theory which states that banks that diversify their credit portfolios can reduce the credit risk and increase profitability.

PENGARUH FAKTOR-FAKTOR INTERNAL PERBANKAN TERHADAP NON PERFORMING FINANCING PADA BANK UMUM SYARIAH

2019 ◽  
Vol 6 (2) ◽  
pp. 115-130
Author(s):  
Eka Ambara Harci Putranta ◽  
Lilik Ambarwati
Keyword(s):  
Linear Regression ◽  
Multiple Linear Regression ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Annual Reports ◽  
Regression Methods ◽  
Capital Adequacy Ratio ◽  
Negative Effect ◽  
Independent Variable

The study aims to analyze the influence of internal banking factors in the form of: Capital Adequency Ratio (CAR), Financing to Deposit Ratio (FDR) and Total Assets (TA) to Non Performing Financing at Sharia Banks. This research method used multiple linear regression analysis with the help of SPSS 16.00 software which is used to see the influence between the independent variables in the form of Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR) and Total Assets (TA) to Non Performing Financing. The sample of this study was 3 Islamic Commercial Banks, so there were 36 annual reports obtained through purposive sampling, then analyzed using multiple linear regression methods. The results showed that based on the F Test, the independent variable had an effect on the NPF, indicated by the F value of 17,016 and significance of 0,000, overall the independent variable was able to explain the effect of 69.60%. While based on the partial t test, showed that CAR has a significant negative effect, Total assets have a significant positive effect with a significance value below 0.05 (5%). Meanwhile FDR does not affect NPF.

scholarly journals Dampak Bank Specific Variables Pada Rasio Non Performing Loan Dalam Sistem Perbankan Indonesia

2016 ◽  
Vol 8 (3) ◽  
Author(s):  
Anita Carolina ◽  
Muhammad Madyan
Keyword(s):  
Linear Regression ◽  
Multiple Linear Regression ◽  
Credit Rating ◽  
Multiple Linear Regression Model ◽  
Sampling Technique ◽  
Total Sample ◽  
Partial Regression Coefficient ◽  
Significance Level ◽  
Significant Negative Effect ◽  
Negative Effect

Conventional banks are vulnerable to non-performing loans, because the credit is the main source income of a bank. Credit risk may still occur, even though the bank's management has made efforts based credit rating 5C. The purpose of this study was to determine how much influence the variable CAR, LAR, NIM, and ROE against Non-Performing Loans (NPL) in the banking companies listed on BEI. The sampling technique used is purposive sampling with criteria: (1) a conventional commercial bank listed on the BEI 2009-2013 period, (2) the bank that issued the annual financial statements in a row in the period from 2009 to 2013, and (3) bank which has a data completeness NPL, CAR, LAR, NIM, and ROE in the period 2009-2013. Data obtained from the annual report of each bank in 2009-2013. There are a total sample of 29 banks. The analysis technique used is multiple linear regression and hypothesis testing using t-statistic to test the partial regression coefficient and F-statistic to test the effect simultaneously with a significance level of 0.05. Before being tested by multiple linear regression, first performed classical assumption of normality test data. The results showed that there were no deviations from the classical assumption test. This indicates that the available data is normal or eligible to be used as a multiple linear regression model. From the analysis, CAR and ROE have significant negative effect on the NPL and LAR have not significant negative effect on the NPL, while variable NIM have significant positive effect on the NPL.

scholarly journals Analisis Faktor-Faktor yang Memengaruhi Kelancaran Pengembalian Pembiayaan Murabahah pada Usaha Mikro, Kecil, dan Menengah (UMKM) di BMT Taruna Sejahtera

2016 ◽  
Vol 7 (1) ◽  
pp. 55
Author(s):  
Tri Andina Rahayu
Keyword(s):  
Regression Analysis ◽  
Linear Regression ◽  
Multiple Linear Regression ◽  
Financial Institution ◽  
Linear Regression Analysis ◽  
Personal Characteristics ◽  
Multiple Linear Regression Analysis ◽  
Rate Of Return ◽  
Level Of Education ◽  
Loan Financing

A problem arising from the distribution of defrayal is often caused by a delay in repayment of financing that could interfere in liquidity and profitability of financial institution. One of BMTs that has good achievement in Semarang is BMT Taruna Sejahtera with a percentage of the value of arrears of the last few years has decreased. This achievement needs to be maintained and improved until the problems can be solved. This research was conducted at BMT Taruna Sejahtera starting from February to August 2014 using a purposive sample of 85 debtors. All the factors which are supposed to influence the rate of return on the financing were analyzed using multiple linear regression analysis. As the response variable in the analysis, that is the level of the smoothness in returning defrayal (Y) in which the predictor variables are the personal characteristics consisting of the level of education and age. Based on the results of multiple linear regression analysis, the factors that affect the rate of return is the value of the loan financing, business turnover, and level of education. It means the higher the value of the loan, the business turnover and debtor’s education level, the greater the chances of returning of murabaha defrayal

THE INFLUENCE OF NEEDS AND TRUST FACTORS ON OBJECTIVE BEHAVIORS ON BMT

2021 ◽  
Vol 9 (1) ◽  
pp. 48
Author(s):  
Idel Waldelmi ◽  
Afvan Aquino ◽  
Afvan Aquino
Keyword(s):  
Information Processing ◽  
Linear Regression ◽  
Multiple Linear Regression ◽  
Financial Institutions ◽  
Financial Institution ◽  
Normality Test ◽  
Main Basis ◽  
Very High ◽  
Trust Factors

Based on the results of the research that has been carried out, it is found that the Trust Factor is the main basis of a sharia financial institution and this can be seen from the data that the level of trust of members of the BMT / Islamic Islamic Cooperative Abdurrab is very high in this financial institution. BMT Members Applying for financing / debt / borrowing is not for the lifestyle of BMT Syariah members, where the purpose of BMTIA members to borrow / borrow is none other than to meet the needs needed for daily needs. Factor needs that arise from BMT members, namely the need to feel safer, according to sharia, halal and reassuring, this is the reason why people prefer to join sharia financial institutions / BMTs and for additional business capital needs. Based on the results of multiple linear regression, previously the data were tested for validity, reliability and normality test in information processing that the magnitude of the influence of the need factor and the trust factor on BMT. The research was carried out at BMT Islam Abdurrab, to members of the BMT. The method used in this research is quantitative

scholarly journals PENGARUH PROFITABILITAS, UKURAN PERUSAHAAN DAN INFLASI TERHADAP RISIKO KREDIT BANK PERSERO PERIODE 2014-2018

account ◽  
2020 ◽  
Vol 6 (2) ◽  
Author(s):  
Novi Arina Nainggolan ◽  
Frianto Pandia ◽  
Ansori Ansori
Keyword(s):  
Regression Analysis ◽  
Linear Regression ◽  
Credit Risk ◽  
Multiple Linear Regression ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Analysis Method ◽  
Net Interest Margin ◽  
Positive Effect ◽  
Interest Margin

PENGARUH PROFITABILITAS, UKURAN PERUSAHAAN DAN INFLASI TERHADAP RISIKO KREDIT BANK PERSERO PERIODE 2014-2018Novi Arina [email protected] [email protected] [email protected] Studi Keuangan dan Perbankan Terapan Politeknik Negeri Jakarta   ABSTRACT This study examines the effect of profitability, bank size and inflation on credit risk PerseroBank period 2014-2018. Indicators used are Net Interest Margin (NIM), Bank Size, Inflation and NonPerforming Loan (NPL). The analysis method used in multiple linear regression analysis processedby using SPSS 25. The result of this study partially indicate that the profitability has positivesignificant effect on credit risk and inflation has negative significant effect on credit risk, while banksize has positive effect but no significant on credit risk. Simultaneously profitability, bank size andinflation have significant effect on credit risk of 56,2% and the remaining 43,8% is required by othervariables not used in this study.   Keywords: Profitability, Bank Size, Inflation, Credit Risk  ABSTRAKPenelitian ini bertujuan untuk mengetahui pengaruh profitabilitas, ukuran perusahaan daninflasi terhadap risiko kredit bank persero di Indonesia periode 2014-2018. Indikator yang digunakanadalah Net Interest Margin (NIM), Bank Size Inflasi dan Non Performing Loan (NPL). Metodeanalisis yang digunakan adalah analisis regresi linear berganda yang diolah dengan menggunakanprogram SPSS 25. Hasil penelitian ini secara parsial menunjukkan bahwa profitabilitas berpengaruhpositif signifikan terhadap risiko kredit serta ukuran perusahaan tidak berpengaruh signifikan terhadaprisiko kredit. Sedangkan inflasi berpengaruh negatif signifikan terhadap risiko kredit. Secara simultanprofitabilitas, ukuran perusahaan dan inflasi berpengaruh signifikan terhadap risiko kredit sebesar56,2%  dan sisanya sebesar 43,8% dipengaruhi oleh variabel lain yang tidak digunakan dalampenelitian ini. Kata kunci: profitabilitas, ukuran perusahaan, inflasi dan risiko kredit

scholarly journals Consumer Behavior Towards Purchase Intention of Seafood Processed Products in The Province of West Nusa Tenggara

2022 ◽  
Vol 10 (01) ◽  
pp. 2864-2870
Author(s):  
Zulkieflimansyah ◽  
Muhammad Nurjihadi ◽  
Jayanti Mandasari ◽  
Ayu Levia Tryana ◽  
Rozzy Aprirachman
Keyword(s):  
Consumer Behavior ◽  
Linear Regression ◽  
Multiple Linear Regression ◽  
Purchase Intention ◽  
Ordinal Data ◽  
Purchasing Decisions ◽  
Negative Effect ◽  
Seafood Products ◽  
Marine Products ◽  
Processed Products

This study aims to analyze the variables that influence purchasing decisions for processed marine products in the Province of West Nusa Tenggara. Determination of the number of respondents who will be the sample using the 10% Margin of Error (MOE) method with a total of 100 respondents consisting of several districts in West Nusa Tenggara Province. The analytical tool used in this research is Multiple Linear Regression to see the relationship between the independent variable and the dependent variable. The research was conducted using a Likert scale on each research variable with ordinal data and transformed into intervals using the  Method Successive Interval (MSI), using the MS.excel application, while the Multiple Linear Regression data processing used the Stata application. The result of this research is that the consumer behavior of processed seafood in West Nusa Tenggara Province is slightly different from the conventional theory of consumer behavior, where the brand has a negative effect on purchasing decisions of 0.2129039 points, and convenience has a negative effect on purchasing decisions of 0.1199636 points. Meanwhile, price, packaging, promotion, benefits, and consumer traditions have a positive effect on purchase intention. Processed seafood products in West Nusa Tenggara Province have different consumer characteristics from other products in general.

scholarly journals Analysis of Mustahik Welfare Effect in Bandar Lampung City through Zakat Policy and Zakat Administration

2020 ◽  
Vol 17 (2) ◽  
pp. 128-134
Author(s):  
Indah Hermiati ◽  
Budi Puspo Priyadi ◽  
Sundarso Sundarso
Keyword(s):  
Regression Analysis ◽  
Linear Regression ◽  
Multiple Linear Regression ◽  
Quantitative Method ◽  
Economic Inequality ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Welfare Effect ◽  
Analysis Techniques ◽  
Strategic Role

Poverty can cause economic inequality if it is not handled appropriately in Islam poverty is near to kufr. One strategic role as an instrument to reduce poverty and disagreement in Islam is through zakat. The research objective is to study the zakat policy and zakat administration on mustahik welfare in Bandar Lampung City. Methods of this study using a quantitative method with multiple linear regression analysis techniques. The number of research samples were 37 respondents. Based on the results of research simultaneously shows that the zakat policy and zakat administration determine the significance of welfare while partial shows the zakat policy does not significantly oppose the administration of zakat significant on welfare.

scholarly journals Analysis of Influence Financial Ratios on Sharia Banking Performance in Indonesia (Empirical Study at Bank Muamalat Indonesia, Bank Syariah Mandiri, and Bank Mega Syariah)

2016 ◽  
Vol 4 (2) ◽  
pp. 135
Author(s):  
Shulhah Nurullaily
Keyword(s):  
United States ◽  
Regression Analysis ◽  
Linear Regression ◽  
Empirical Study ◽  
Multiple Linear Regression ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
The United States ◽  
Negative Effect ◽  
The Impact

This study aims to examine the performance of Sharia Banking in Indonesia after experiencing slowing growth due to the impact of the United States crisis in 2008/2009. Factors used to measure the performance of sharia banking represented by ROA are CAR, NPF, BOPO, NM and FDR. This research uses multiple linear regression analysis with sample of research of Bank Muamalat, Bank Mega Syariah, and Bank Syariah Mandiri with the period of research from the first quarter 2008 to the fourth quarter 2011. The result of this research that is NM and FDR have positive significant effect on ROA, while BOPO has a significant negative effect on ROA, CAR and NPF have no influence on ROA.

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