scholarly journals How Islamic Bank Managing Risk? An Emphasis on Anticipating Financial Crisis

2020 ◽  
Vol 4 (2) ◽  
pp. 208
Author(s):  
Sebastiana Viphindrartin ◽  
Zainuri Zainuri ◽  
Muhammad Zilmi Anugrah
Keyword(s):  
Credit Rationing ◽  
Capital Adequacy ◽  
System Stability ◽  
Islamic Banking ◽  
Islamic Bank ◽  
Banking Policy ◽  
Capital Adequacy Ratio ◽  
Lending Policy ◽  
Managing Risk ◽  
Auto Regression

The global economic crisis in 2008 shocked and pressured Indonesian macroeconomic and financial system stability. The decline in macroeconomic stability has an impact on banking policy in lending. Most banks in the world respond to the crisis by doing credit rationing, but how about Islamic bank response toward this condition in Indonesia? Therefore, this study aims to examine the effect of Capital Adequacy Ratio (CAR) and macroeconomic variables on the amount of Islamic banking financing in Indonesia. The method used in this study is the SVAR (Structural Vector Auto Regression) analysis method. The results showed that inflation, capital, and CAR variables had a significant effect on Islamic bank’s financing amount. In contrast, GDP had no significant impact on Islamic bank’s financing amount which means that Islamic banking in Indonesia was not implemented pro-cyclical based lending policy.

scholarly journals PENGARUH INTELLECTUAL CAPITAL STRUKTUR MODAL DAN TINGKAT INFLASI TERHADAP KINERJA KEUANGAN PERBANKAN SYARIAH DI INDONESIA

Media Ekonomi ◽  
2017 ◽  
Vol 25 (1) ◽  
pp. 25
Author(s):  
Putri Indriani ◽  
Nirdukita Ratnawati
Keyword(s):  
Financial Performance ◽  
Intellectual Capital ◽  
Value Added ◽  
Regression Method ◽  
Capital Adequacy ◽  
Islamic Banking ◽  
Islamic Bank ◽  
Capital Adequacy Ratio ◽  
The Relationship

<em>The purpose of this study was to analyze the relationship and the influence of Value Added Intellectual Capital (VAIC) and Structure of capital as measured by Capital Adequacy Ratio (CAR) and The Rate of Inflation on financial performance Islamic Banking. <em>The method used in this study is the regression method panel. The data used in this study were taken from the nine Islamic Bank in Indonesia Indonesian period 2010-2015.</em> <em>Results of the study showed inflasi have positively to financial performance and CAR have negatively to financial performance. If seen from the results an VAIC on financial performance have the positively significant results at Islamic bank in Indonesia .</em><br /></em>

scholarly journals ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK SYARIAH DI INDONESIA, MALAYSIA, BRUNEI DAN THAILAND PERIODE 2011-2016

2019 ◽  
Vol 5 (10) ◽  
pp. 835
Author(s):  
Adyagunita Karini ◽  
Dian Filianti
Keyword(s):  
Financial Performance ◽  
Capital Adequacy ◽  
Anova Test ◽  
Islamic Bank ◽  
Brunei Darussalam ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Significant Difference ◽  
Standards And Regulations ◽  
One Way Anova

Comparing the financial performance of banks with other countries would show if the different standards and regulations affect their performance. This research aims to know if there is a significant difference in financial performance of sharia banks between Indonesia, Malaysia, Brunei and Thailand during 2011-2016. The samples used in this research consist of one sharia bank from each country: Bank Syariah Mandiri, Maybank Islamic Berhad, Bank Islam Brunei Darussalam and Islamic Bank of Thailand. This research uses a comparative quantitativeapproach using Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), Return on Asset (ROA), and Capital Adequacy Ratio (CAR) as variables to indicate financial performance. One-Way ANOVA is used as the analysis technique. Results of the ANOVA test show there is a significant difference in NPF, FDR, ROA and CAR between sharia banks in Indonesia, Malaysia, Brunei and Thaiand as indicated by a significance value of 0,000 and 0,002.

scholarly journals PENGARUH KINERJA KEUANGAN TERHADAP PEMBIAYAAN BANK UMUM SYARIAH DI INDONESIA (PERIODE 2009-2013)

2016 ◽  
Vol 5 (2) ◽  
Author(s):  
Irma Safitri ◽  
Nadirsyah Nadirsyah ◽  
Darwanis Darwanis
Keyword(s):  
Commercial Banks ◽  
Research Data ◽  
Capital Adequacy ◽  
Third Party ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Independent Variables ◽  
The Third ◽  
Capital Adequacy Ratio ◽  
Observation Period

The purposes of this research were to determine the effect of the financial performance of Islamic commercial banks in Indonesia on financing, both individually and simultaneously. The performance was measured through Third Party Funds (TPF), Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), and Financing to Deposit Ratio (FDR). These four independent variables to be tested influence on the dependent variable. This research used census method that includes all of the Islamic banks in Indonesia for observational data. Research data observation period from 2009 until 2013 a total of 11 banks. Multiple linear regression was used to analyze the data.The results of this study found that the Third Party Funds (TPF), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), and Financing to Deposit Ratio (FDR) affect the financing, both individually and simultaneously. Fluctuations in either an increase or decrease of financing that occurred in Islamic banking in Indonesia is determined by the four independent variables. That is to say, the four independent variables that have an important role in the financing of Islamic banking in Indonesia. =========================================== Penelitian ini bertujuan untuk menguji pengaruh kinerja keuangan bank umum syariah di Indonesia terhadap pembiayaan, baik secara parsial maupun simultan. Kinerja keuangan diukur melalui Dana Pihak Ketiga (DPK), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), dan Financing to Deposit Ratio (FDR) Keempat variabel bebas tersebut akan diuji pengaruhnya terhadap satu variabel tidak bebas. Penelitian ini adalah penelitian sensus, yakni memasukan semua bank umum syariah yang ada di Indonesia ke dalam data pengamatan. Periode pengamatan data penelitian dari tahun 2009 s.d 2013 yang berjumlah 11 perbankan. Metode analisis yang digunakan adalah regresi linear berganda. Hasil penelitian ini menemukan bahwa Dana Pihak Ketiga (DPK), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), dan Financing to Deposit Ratio (FDR) berpengaruh terhadap pembiayaan pada perbankan syariah di Indonesia, baik secara parsial maupun simultan. Fluktuasi baik itu peningkatan atau penurunan pembiayaan yang terjadi pada perbankan syariah di Indonesia ditentukan oleh keempat variabel bebas tersebut. Sehingga dapat dikatakan bahwa, keempat variabel bebas tersebut mempunyai peranan penting atas pembiayaan pada perbankan syariah di Indonesia.

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 KOMPARASI KINERJA DAN KETAHANAN KREDIT ANTARA PERBANKAN KONVENSIONAL DAN PERBANKAN SYARIAH

Media Ekonomi ◽  
2015 ◽  
Vol 23 (1) ◽  
pp. 55
Author(s):  
Frisky Elisa ◽  
Ida Busneti
Keyword(s):  
Exchange Rate ◽  
Capital Adequacy ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Factors Affecting ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Conventional Banks ◽  
Interest Margin

<em>This research aims to know the factors affecting the performance and credit resilience at cinvensional and Islamic banks. In addition to comparing the performance and credit resilience of the convensional and Islamic banks. Using Pooled methods.  This research uses the return on asset (ROA) for performance bankings are measure non-performing loan (NPL) / non-performing finance (NPF) to credit resilience. Factor that are used to looking at banking performance, among others, the lain net interest margin (NIM), non-performing loan (NPL) atau non-performing finance (NPF), Loan to deposit ratio (LDR), dan BOPO. While credit resilience, fators that are used among others inflation, exchange rate, Loan to deposit ratio (LDR) dan capital adequacy ratio (CAR). This research uses a conventional five banks and five Islamic banks from 2010 quarter 01 – 2013 quarter 02. The data used in this study were obtained from quarterly report of the bank for 2010-2013. Badan Pusat Statistik and Bank Indonesia. Result of analysis of this study that the performance of conventional banks is influential NPL and BOPO while in credit resilience is inflation, in a ratio impact on Islamic banking performance as BOPO and influencing credit resilience is CAR</em>

scholarly journals THE NEW CAPITAL ADEQUACY FRAMEWORK (BASEL III) OPTIONS AND ISSUES IN COMMERCIAL BANKS OF LITHUANIA

Ekonomika ◽  
2015 ◽  
Vol 93 (4) ◽  
pp. 119-134 ◽  
Author(s):  
Filomena Jasevičienė ◽  
Daiva Jurkšaitytė
Keyword(s):  
Banking Regulation ◽  
Capital Requirements ◽  
Capital Adequacy ◽  
System Stability ◽  
Basel Iii ◽  
Management Problem ◽  
Bank Capital ◽  
Factors Influencing ◽  
Capital Adequacy Ratio ◽  
The World

Currently, banking is one of the most regulated activities in the world, because banks are the most important institutional units engaged in financial intermediation and affects not only the whole national economy of the country, but the global financial market as well. One of the key components of banking regulation are requirements expected for the bank capital, which prevent the bank from various unforeseen risks incurring substantial losses and are a sort of guarantee to maintain the financial system stability. For this reason, it is useful to find out what factors affect the capital adequacy ratio, and what measures the banks are going to take in order to meet the new capital requirements. The present research reveals the options of the implementation of the new system and the main problems faced by banks. The paper consists of four main parts: review of theory and literature, the research methodology of the factors influencing the capital adequacy, the study of factors influencing the capital adequacy ratio, and the capital adequacy management problem areas according to the Basel III requirements and conclusions.

scholarly journals Comparison of Islamic and Conventional Banking Financial Performance during the Covid-19 Period

2021 ◽  
Vol 4 (SI) ◽  
Author(s):  
Ulumuddin Nurul Fakhri ◽  
Angga Darmawan
Keyword(s):  
Financial Performance ◽  
Capital Adequacy ◽  
Islamic Banking ◽  
Short Term ◽  
Return On Assets ◽  
Operating Income ◽  
Performance Variables ◽  
Performance Factors ◽  
Capital Adequacy Ratio ◽  
Artificial Neural Network Ann

The COVID-19 pandemic that is spreading in Indonesia has affected economic growth, likewise banks sector. This study aims to determine the financial performance factors that are affected by the COVID-19 pandemic, both in Islamic and conventional banking which are included in the CBGB 2 category so that banks in Indonesia can anticipate it. This study uses the Artificial Neural Network (ANN) method with 6 financial performance variables in the period of January 2020 - September 2020, namely Capital Adequacy Ratio (%), Operating Expenses / Operating Income (%), Net Operation Margin (%), Landing on Deposits. Ratio (%), Short Term Mismatch (%) which are used as the independent variable, as well as Return on Assets which is used as the dependent variable. The results showed that the COVID-19 pandemic affected financial performance factors in the form of a Funding to Deposit Ratio of 35.21%; Short Term Mismatch of 26.92% and Net Operation Margin of 26.92% in Islamic banking. Whereas in conventional banking, Operating Expenses to Operating Income was 72.87% and the Capital Adequacy Ratio was 17.31%. This result is also in line with previous research where Islamic banking is more vulnerable than conventional banking in facing financial crises.

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