scholarly journals ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI RETURN ON ASSETS PADA BANK UMUM SYARIAH DAN UNIT USAHA SYARIAH (PERIODE 2010-2013)

2016 ◽  
Vol 2 (1) ◽  
Author(s):  
Usnan Ade Setiawan Budi Sukardi
Keyword(s):  
Central Bank ◽  
Research Result ◽  
Third Party ◽  
Research Use ◽  
Operational Cost ◽  
Return On Assets ◽  
Islamic Bank ◽  
Type Data ◽  
The Impact

This research based to analyze the impact of financing to deposit ratio (FDR), non perfoming finance (NPF), banking operational cost (BOPO), third party pooling fund (DPK), interest rate of central bank (BI Rate), and Inflation on return of Asset (ROA) determination Sharia Bank, this research had populate from Sharia Bank and Sharia Operational Unit during 4 years research (2010 - 2013).This research use a second type data which is known from monthly statistic  Islamic Bank report published by Central Bank. The data was analyzed by double linier regretion with examine classic assumption before. The research result with parsial type (t-examine) proved that FDR, NPF, BI Rate and inflation are not impacted with ROA Islamic Bank determination and BOPO had an impact and third party pooling fund (DPK) exclude because that had a multikorealis disease so as stimultaneously analyze (F examine) NPF,FDR,BOPO, central bank interest, and infalation are significant impact to return of asset determination of Islamic Bank.

scholarly journals IMPLEMENTASI METODE BAGI HASIL DENGAN PRINSIP MUDHARABAH PADA BANK SYARIAH DI INDONESIA DIHUBUNGKAN DENGAN FATWA DSN NO. 15/DSN-MUI/IX/2000

2018 ◽  
Vol 4 (1) ◽  
pp. 43
Author(s):  
Hermansyah Hermansyah
Keyword(s):  
Research Result ◽  
Banking System ◽  
Revenue Sharing ◽  
Profit Sharing ◽  
Research Use ◽  
Literature Study ◽  
Legal Principles ◽  
Financial Organization ◽  
Islamic Bank

Today Islamic economy was recognized and growing in daily life, particularly  Indonesia, both in real sector and financial sector. One of financial organization which has significant role in satisfying social need is bank, particularly Islamic bank. The operational base of Islamic bank was settled in Law No. 21 of 2008 about Islamic Bank.  Dual banking system framework applied in Indonesia offer more alternatif option that can be chosed by Indonesian people. One of Islamic bank operational system is revenue sharing which can be applied in two method: profit sharing and revenue sharing. The research use a normative juridical approach that designed to find positive legal principles, analytical descriptive. The data collection techniques use literature study and field study, determination of sample in purposive sampling way and the data analysis using qualitative normative analysis. From research result can be conclused that first in  law of Islamic economy, the  profit sharing and revenue sharing methods is allowed by Islam law principle, second, application of mudharabah to customer savings in Islamic bank have two meanings; first,  mudharabah  as a product is applied to accumulation of funds, generally Islamic bank use revenue sharing and second, mudharabah as a system by which mudharabah is general guidelines for Islamic bank in performing various transaction of available banking product.Keywords: The Implementation Of Profit Sharing Method, Mudharabah Principle, Islamic Bank,  Fatwa DSN No. 15/DSN-MUI/IX/2000.

The Impact of Macro Economics on Firm Values and Financial Performance as an Intervening Variable: An Empirical Study of LQ-45 Banking Industries in Indonesia

2015 ◽  
Vol 3 (1) ◽  
pp. 88-94
Author(s):  
Indra Siswanti ◽  
Eko Ganis Sukoharsono ◽  
Embun Prowanta
Keyword(s):  
Exchange Rate ◽  
Central Bank ◽  
Exchange Rates ◽  
Financial Performance ◽  
Firm Value ◽  
Return On Assets ◽  
Bank Rate ◽  
Direct And Indirect Impacts ◽  
Indirect Impacts ◽  
The Impact

Objective - The Purpose of the paper is to empirically investigate both direct and indirect impacts of the macro economy, which are Exchange Rates, Inflation, Central Bank Rate, as independent variables, on Value Firms (Price to Book Value), as a dependent variable, and its Financial Performance (Return on Assets), as an interning variable. Methodology/Technique - The study uses a path analytical method of the SPSS for determining a strong causal relationship between the independent variable and the dependent variable either directly or indirectly. Findings - The paper finds that Exchange Rate does not impact on ROA; Inflation negative significantly impacts on ROA; Central Bank Rates positive significantly impact on ROA; ROA does not impact on PBV; Exchange Rate negative significantly impact on PBV; Inflation does not impact on PBV; Central Bank Rate does not impact on PBV; ROA does not mediate its impact of Exchange Rates on Firm Value (PBV); ROA does not mediate its impact of Inflation on Firm Value (PBV) Dan ROA mediate its impact of Central Bank Rates on Firm Value (PBV).. Novelty - The paper uses corporate performance (Return on Assets) as an intervening variable to test the indirect effect on firm values (PBV). Type of Paper - Empirical Keywords: Exchange Rates, Inflation, Central Bank Rates, Return on Assets and Firm Values (PBV)

scholarly journals The Research on the Money Supply of Central Bank Digital Currency

2018 ◽  
Vol 2 (2) ◽  
pp. 27
Author(s):  
Yuxuan Chen ◽  
Kejie Zhou ◽  
Wenhao Yang
Keyword(s):  
Monetary Policy ◽  
Central Bank ◽  
Money Supply ◽  
Third Party ◽  
Digital Currency ◽  
The World ◽  
The Impact ◽  
The Imf

Currently, the only central bank digital currencies (CBDC) in the world is Venezuela’s currency—Petro. Nowadays, the IMF, BIS, and major countries have conducted a lot of research on CBDC. It’s an urgent issue for the central bank to issue CBDC, determine and formulate the circulation of CBDC and the issuance speed, and supervise it. Therefore, establishing ARMA and VARs by sorting out literature, the paper uses the characteristics of CBDC--cash, and similarities with third-party payment in terms of payment to determine the circulation of CDBC by third-party payment users and currency in circulation. The model calculates and predicts the speed of circulation of digital currency. The issuance of CBDC will accelerate the circulation of money. In this regard, we will explore the impact of money supply on monetary policy and make relevant recommendations.

scholarly journals Factors Affecting the Profitability of Banks: A Field Study of Banks Operating in Jordan

2017 ◽  
Vol 13 (22) ◽  
pp. 141
Author(s):  
Abedalfattah Zuhair Al-abedallat
Keyword(s):  
Central Bank ◽  
Field Study ◽  
Financial Statement ◽  
Electronic Banking ◽  
Return On Assets ◽  
Banking Services ◽  
Factors Affecting ◽  
Automated Teller Machines ◽  
The Impact

Profitability is one of the most important objectives of the banks. It is an evidence of the efficiency of its management and its ability to attract money and investments. The study aimed at investigating the impact of a combination of factors (Assets, Direct credit Facilities, Deposits, Owner's equity, Branches, and Automated Teller Machines (ATMs) on the profitability of banks in Jordan as measured by “Return on Assets” and “Return on Owners' equity.” The study used the Eviews program to answer questions about the study and test the hypotheses. The tool for the study was the data variables of the study for the operating banks in Jordan that were collected from the annual financial statement of the Jordanian Central Bank and Association of Banks in Jordan for the period of 2000 to 2015. The study found that there is a significant statistical impact of the factors (Assets, Direct credit Facilities, Deposits, Owner's equity, Branches, ATM) together on the return on assets (ROA). Also, there is a significant statistical impact of the factors (Assets, Direct credit Facilities, Deposits, Owner's equity, Branches, ATM) together on the return on Owners’ equity (ROE). It also recommended that the Banks in Jordan should increase diversification in the investment to increase profitability. In addition, this study pointed the need for banks to expand in electronic banking services in order to increase profits and reduce costs.

scholarly journals Pengaruh Financing To Deposit Ratio (FDR), Risiko Pembiayaan, Kecukupan Modal, Dana Pihak Ketiga, Suku Bunga, dan Inflasi Terhadap Profitabilitas pada Bank Umum Syariah di Indonesia

2019 ◽  
Vol 14 (1) ◽  
pp. 43-57
Author(s):  
Kamelia ◽  
Eliyanora ◽  
Gustati
Keyword(s):  
Interest Rates ◽  
Financial Services ◽  
Commercial Banks ◽  
Capital Adequacy ◽  
Third Party ◽  
Risk Capital ◽  
Return On Assets ◽  
Financing Risk ◽  
Study Population

This study aims to examine the effect of financing to deposit ratio (FDR), financing risk, capital adequacy, third-party funds, interest rates, and inflation on profitability of Islamic Commercial Banks in Indonesia. The independent variables used in this study are financing to deposit ratio (FDR), financing risk, capital adequacy, third-party funds, interest rates, and inflation. The dependent variable is the profitability that measured using the return on assets (ROA). The study population are 13 Islamic Commercial Banks that registered in the Financial Services Authorities and Indonesian Bank during 2013-2017. Determination of sample was made by applying purposive sampling method and obtaining the sample of 9 Islamic Commercial Banks. Analysis of data used is multiple regression with the help of SPSS version 20. The results showed that financing risk had a significant effect on profitability, while financing to deposit ratio (FDR), capital adequacy, third-party funds, interest rates, and inflation had no significant effect on profitability.

scholarly journals Theoretical Problems of Public Interest Sector Industrial Relations

2005 ◽  
Vol 31 (4) ◽  
pp. 566-587 ◽  
Author(s):  
Paul Philips
Keyword(s):  
Public Interest ◽  
Bargaining Power ◽  
Industrial Relations ◽  
Third Party ◽  
The Public ◽  
Third Party Intervention ◽  
Explicit Consideration ◽  
The Impact ◽  
Over Time

This paper develops a simple industry bargaing model with explicit consideration of the determinants of the bargaining range and the narrowing of that range over time as a function of perceived bargaining power and costs of settlement. The model is then applied to the public-interest sector under altered assumptions of costs of settlement and the introduction of political influences in the determination of bargaining paths. The impact of third party intervention is considered in both the industry and public-interest sector cases.

scholarly journals COMMERCIAL BANKING PERFORMANCE AND ECONOMIC GRPWTH: THE CASE OF TUNISIA BETWEEN 19902018

2020 ◽  
Vol 4 (01) ◽  
Author(s):  
Imet Mtir ◽  
Nizar Ben Abdallah
Keyword(s):  
Commercial Banks ◽  
Parametric Method ◽  
Commercial Banking ◽  
Data Envelopment ◽  
Subprime Crisis ◽  
Return On Assets ◽  
Return On Equity ◽  
The One ◽  
The Impact

In this paper, we propose to assess the efficiency scoretechniques of 10 Tunisian commercial banks for the period cover 1990 to 2018. The local banking landscape was marked, during the period studied, by significant changes following the adoption by the Tunisian government, of various financial liberalization measures as well as the period of the subprime crisis and then the revolution of 2011. Given studying the technical efficiency levels achieved by Tunisian commercial banks, we propose a non-parametric method, the approach DEA, data envelopment analysis, on the one hand, and the determination of the variables explaining the level of performance on the other. Our results allow us to conclude that the banks which obtained the best average efficiency scores are: Amen Bank (100%) and Arab Tunisian Bank (98.9%). Whereas, other banks are considered inefficient. To study the impact of banking performance indicators, a variable that measures the crisis, Equity, total assets, and total liabilities on the efficiency scores calculated by the DEA methodology, return on assets (ROA) and return on equity (ROE), we used an ECM error correction model in panel data. The results show the positive impacts of these indicators on banking performance in Tunisia.

scholarly journals The Impacts of Liquidity on Profitability in Banking Sectors of Iraq

2017 ◽  
Vol 6 (1) ◽  
pp. 113-121
Author(s):  
Sardar Shaket Ibrahim
Keyword(s):  
Commercial Banks ◽  
Stock Exchange ◽  
Least Square ◽  
Annual Reports ◽  
Return On Assets ◽  
Ordinary Least Square ◽  
Islamic Bank ◽  
Exchange Site ◽  
North Bank ◽  
The Impact

This study examines the influence of liquidity on the profitability of Iraqi commercial banks. Five banks based in Iraq namely: North bank, Iraqi Islamic bank, Sumer bank, Dar Es-Salam bank and Babylon bank randomly selected and analyzed for the current study over the period 2005 to 2013. Moreover,  annual reports of these banks have studied and the main ratios of profitability and liquidity were calculated. These reports are available at Iraqi Stock Exchange site. The variables that were identified as independent for liquidity were, loan deposit ratio, deposit asset ratio and cash deposit ratio, while return on assets as dependent variable for profitability. The Ordinary Least Square (OLS) model used to examine the impact of liquidity on profitability. The study observes that any increase in liquidity ratios as above mentioned will lead return on asset to increase as well. Depending on this study it could be better for Iraqi banks to keep a balance between liquidity and profitability.

scholarly journals A comparative study of Indonesian and Malaysian Islamic banks

2019 ◽  
Vol 14 (4) ◽  
pp. 55-68
Author(s):  
Mochammad Chabachib ◽  
Anafil Windriya ◽  
Robiyanto Robiyanto ◽  
Hersugondo Hersugondo
Keyword(s):  
Firm Size ◽  
Significant Influence ◽  
Islamic Banks ◽  
Efficiency Ratio ◽  
Return On Assets ◽  
Independent Variables ◽  
Islamic Bank ◽  
Operational Costs ◽  
Significant Difference ◽  
The Impact

The aim of this study is to analyze the influence of the non-performing financing (NPF), financing to deposit ratio (FDR), operational efficiency ratio (OER), and firm size (SIZE) on return on assets (ROA). The object of the research is the Islamic bank in Indonesia and the Islamic bank in Malaysia for the period of 2010–2015. Another aim of this research is to determine if there are differences in the impact of FDR, NPF, OER and firm size on ROA between the Islamic bank in Indonesia and the Islamic bank in Malaysia. The findings show that not all studied independent variables affect the ROA of the Indonesian Islamic Bank and the Malaysian Islamic bank. OER has a negative and significant effect on the Indonesian Islamic Bank’s ROA, while FDR and size have a positive and significant influence on the Indonesian Islamic Bank’s ROA. In the Islamic bank of Malaysia, NPF affects ROA positively, while OER affects ROA negatively. In the Indonesian Islamic bank, independent variables that influence ROA are FDR, OER, and SIZE. In Malaysian Islamic bank, only OER influences ROA significantly. Based on the Chow test, one can conclude that there is a significant difference between the Indonesian Islamic bank and the Malaysian Islamic bank. Regarding operational costs, banks should pay more attention to validation of the costs to be incurred, so there is no need to spend unnecessary costs.

scholarly journals Performance analysis of sharia commercial banks in Indonesia before the covid pandemic period (2015-2019)

2021 ◽  
Vol 10 (2) ◽  
pp. 228-237
Author(s):  
Erna Handayani ◽  
Alni Rahmawati ◽  
Naelati Tubastuvi ◽  
Ira Hapsari
Keyword(s):  
Credit Risk ◽  
Commercial Banks ◽  
Capital Adequacy ◽  
Third Party ◽  
Islamic Banking ◽  
Debt Ratio ◽  
Performance Information ◽  
Return On Assets ◽  
Capital Adequacy Ratio ◽  
The Impact

Overcoming the impact of the Covid pandemic on Islamic banking in Indonesia, management must take strategic steps based on predictions and previous performance identification. Identify performance, information on the factors that affect the performance of Islamic banking in Indonesia is needed. Several aspects that are considered to affect Islamic banking performance that management must consider are capital, liquidity aspects, credit risk, and efficiency. This research examines the influence of the aspects of capital (Capital Adequacy Ratio and Third Party Funds), liquidity (Finance to Debt Ratio ), credit risk (Non-Performing Financing).) and operational efficiency (BOPO) on the performance of Islamic banking in Indonesia 5 (five) years before the Covid pandemic occurred in Indonesia (2015-2019). The results showed that these five aspects had a simultaneous effect on Islamic banking performance in Indonesia, with a termination coefficient of 94.4%. Of the five variables, CAR, FDR, NPF, and BOPO significantly affect performance, while TPF has no significant effect on performance (Return on Assets).

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