scholarly journals Analisis Faktor Eksternal dan Internal Bank terhadap Risiko Pembiayaan Bank Umum Syariah di Indonesia Periode 2012-2015

2018 ◽  
Vol 9 (1) ◽  
pp. 13
Author(s):  
Amalia Eka Purnamasari ◽  
Musdholifah Musdholifah
Keyword(s):  
Exchange Rate ◽  
Gross Domestic Product ◽  
Linear Regression Analysis ◽  
Secondary Data ◽  
Negative Influence ◽  
Capital Adequacy ◽  
Domestic Product ◽  
Analysis Model ◽  
Return On Assets ◽  
Capital Adequacy Ratio

The purpose of this research was to determine effect of growth gross domestic product, inflation, exchange rate, capital adequacy ratio, return on assets, operating expenses to operating revenues and bank size on financing risk (NPF) of Sharia Banks period 2012-2015. The data that use in this research is the secondary data, that is financial statement of Sharia Banks in Indonesia period 2012-2015. The sampling method that used in this research are purposive sampling and data analysis model used is the multiple linear regression analysis. The result of this research show that simultaneous each external and internal bank factor have influence on the NPF. But partially, showed that eksternal factor, namely growth gross domestic product, inflation and exchange rate have no influence on the NPF. While from the internal bank showed capital adequacy ratio and operating expenses to operating revenues have no influence, return on assets have a negative influence and bank size have a positive influence on the NPF. 

scholarly journals Pengaruh CAR, FDR, Dan BOPO Terhadap ROA Pada Bank Syariah Di Indonesia

2021 ◽  
Vol 9 (2) ◽  
Author(s):  
Intan Rika Yuliana ◽  
Sinta Listari
Keyword(s):  
Commercial Banks ◽  
Quantitative Research ◽  
Linear Regression Analysis ◽  
Secondary Data ◽  
Predictive Ability ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Operating Income ◽  
Capital Adequacy Ratio

Banking companies, including Islamic banking, need to avoid problems that can cause financial failure, which can make the bank unable to carry out its business operations and may end up in bankruptcy, so that the level of soundness of the bank based on risk must always be monitored. Therefore, banks must maintain their financial ratios in accordance with Bank Indonesia decisions and maintain their performance. So analyzing the effect of the Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), and the Ratio of Operating Costs to Operating Income (BOPO) on Return On Assets (ROA) in Islamic Banks is considered very important.   This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), and Operational Costs on Operating Income (BOPO) on Return On Assets (ROA) at Islamic Commercial Banks in Indonesia. This research includes quantitative research and the type of data used is secondary data. The data used in this study is the ratio of CAR, FDR, BOPO, and ROA for the period 2014–2019 which was obtained from the annual Financial Statements on the official website of each bank.   The population in this study were 14 Islamic Commercial Banks in Indonesia. After passing the purposive sampling stage, there were 6 samples of Sharia Commercial Banks that were suitable for use, namely BCA Syariah, BNI Syariah, Bank Mega Syariah, Bank Muamalat Indonesia, Bank Panin Dubai Syariah and BRI Syariah. The analytical method used in this research is Multiple Linear Regression Analysis.   The results of the partial study with the t-test showed that the CAR and FDR variables had a positive and significant effect on the ROA of Islamic commercial banks. While the BOPO variable has a negative and significant effect on the ROA of Islamic commercial banks. And the results of the f test show that the CAR, FDR, and BOPO variables together have a significant influence on the ROA of Islamic commercial banks. The predictive ability of these three variables on ROA is 82.7%, the remaining 17.3% is explained by other variables outside of this research.   Keywords: Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Operating Expenses per Operating Income (BOPO), Return On Assets (ROA)

scholarly journals INFLUENCE OF RISK ASSETS IMPAIRMENT ON PERFORMANCE OF NIGERIAN LISTED DEPOSIT MONEY BANKS

2020 ◽  
Vol 5 (3) ◽  
pp. 41-63
Author(s):  
Adewale Joel Adebisi ◽  
Adeyemi Wasiu Alabi ◽  
Kolawole Fatimehin
Keyword(s):  
Gross Domestic Product ◽  
Negative Impact ◽  
Positive Impact ◽  
Random Effect ◽  
Negative Relationship ◽  
Secondary Data ◽  
Negative Influence ◽  
Domestic Product ◽  
Return On Assets ◽  
Operating Profit

Profitability is critical to the survival of Nigerian deposit money banks which is consistently been eroded by the impaired risk assets. Hence, this study was conducted to examine influence of risk assets impairment on performance of Nigerian deposit money banks. The specific objectives of the study were to; (i) determine the effect of impairment loss on operating profit; (ii) analyze effect non-performing loans ratio affect return on assets of Nigerian deposit money banks. Secondary data were collected and analysed using fixed and random effect regression analysis methods from a sample of 14 listed Nigerian deposit money banks. The study revealed that impairment loss, have significant negative relationship with operating profit (β=2.294, p‹ 0.01) and non-performing loan ratio have significant positive relationship with return on assets (β=0.067, p‹ 0.1). However, other variables such as inflation, liquidity and gross domestic product per capital also have effect on banks performance. The study concluded that risk assets impairment has significant negative influence on performance and that inflation, liquidity and gross domestic product have negative impact on profitability, while bank size has positive impact on profitability. The study recommended that; bank directors should put effective risk assets impairment test in place to boost reported profitability; the bank management should ensure effective management of liquidity ratio to boost return on equity; government policymakers should ensure that banks are mandated to disclose their risk assets impairment and expand their size by extending banking services to the unbanked areas.

scholarly journals The effect of asset quality, profit and loss sharing on Sharia Banking Liquidity in Indonesia

2022 ◽  
Vol 27 ◽  
pp. 423-436
Author(s):  
Anggraeni Anggraeni ◽  
Yulis Maulida Berniz
Keyword(s):  
Gross Domestic Product ◽  
Profit Sharing ◽  
Capital Adequacy ◽  
Domestic Product ◽  
Islamic Banks ◽  
Return On Assets ◽  
Investment Bank ◽  
For Profit ◽  
Capital Adequacy Ratio ◽  
Asset Quality

This study aims to determine the effect of asset quality variables (Non-Performing Financing), Profit and Loss Sharing (profit-loss sharing investment and profit-sharing investment account), capital adequacy ratio, bank size, return on assets, and gross domestic product on Islamic banking liquidity in Indonesia. The analysis was conducted using a sample of 7 Islamic commercial banks from the period March 2015 to December 2019. This study uses 2 multiple regression models of panel data with the results showing that Non-Performing Financing, profit-loss sharing investment, bank size, gross domestic product affect the liquidity of Islamic banks. , then for-profit sharing investment account, capital adequacy ratio, return on assets, does not affect the liquidity of Islamic banks.

scholarly journals ANALISIS PENGARUH INFLASI, JUMLAH UANG BEREDAR, DAN PRODUK DOMESTIK BRUTO TERHADAP RETURN ON ASSET (ROA) BANK SYARIAH DI INDONESIA

2020 ◽  
Vol 6 (2) ◽  
pp. 132
Author(s):  
Ibnu Seyna Riyanto ◽  
Salamatun Asakdiyah
Keyword(s):  
Gross Domestic Product ◽  
Money Supply ◽  
Linear Regression Analysis ◽  
Secondary Data ◽  
Sampling Technique ◽  
Multiple Linear Regression Analysis ◽  
Significance Test ◽  
Domestic Product ◽  
Islamic Banks ◽  
Return On Assets

This study aims to explain the analysis of the influence of inflation, amount of money supply and gross domestic product to return on assets (ROA) Islamic Banks in Indonesia for the period 2010-2014. Macroeconomic variables used in this research are inflation, the amount of money supply and gross domestic product. Indicators used to assess performance Islamic Bank finance in this study is Return On Assets (ROA). This research uses documentation method with secondary data obtained from the Bank Indonesia website, the Central Statistics Agency and the respective Bank's website. The sampling technique used in this study using a purposive sampling method, so the number of samples is used in this study amounted to 7 Islamic banks in Indonesia. Technique data analysis uses multiple linear regression analysis, classical assumption test and significance test. The results showed, partial inflation was not significant effect on Return On Assets (ROA). The money supply partially negative and significant effect on Return On Assets (ROA). Gross Domestic Product has a positive and significant effect on Return On Assets (ROA). Whereas simultaneously shows inflation, amount money supply and gross domestic product have a significant effect on Return On Assets (ROA).

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 PENGARUH FAKTOR INTERNAL DAN EKSTERNAL TERHADAP PEMBIAYAAN BERMASALAH PADA BANK UMUM SYARIAH (BUS) DAN BANK PEMBIAYAAN RAKYAT SYARIAH (BPRS)

2019 ◽  
Vol 1 (3) ◽  
pp. 833
Author(s):  
Sherly Yolanda ◽  
Ariusni Ariusni
Keyword(s):  
Time Series ◽  
Exchange Rate ◽  
Commercial Bank ◽  
Secondary Data ◽  
Least Square ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Monthly Data ◽  
Factors Affecting ◽  
Capital Adequacy Ratio

This study was conducted to examine the factors affecting Non Performing Financing (NPF) in Sharia Commercial Bank and Sharia Rural Bank in Indonesia such as: Capital Adequacy Ratio (CAR), Return On Assets (ROA), Inflation, and Exchange Rate. The data used are secondary data in the form of time series of monthly data from 2015 to 2018.The method used are: (1) Ordinanry Least Square (OLS), (2) Classical Assumption Test which is processed through Eviews 8.0 application. The results of the study show that (1) Capital Adequacy Ratio (CAR) has a negative and significant effect on Non Performing Finansial (NPF) on Sharia Commercial Bank and Sharia Rural Bank (2) Return On Assets (ROA) has a negative and  not significant effect on Non Performing Finansial (NPF) on Sharia Commercial Bank and on Sharia Rural Bank has a positive and significant effect. (3) inflation has a negatif and not significant effect on Sharia Commercial Bank and Sharia Rural Bank. (4) Exchange Rate has a negatif and not significant effect on Non Performing Finansial (NPF) on Sharia Commercial Bank and on Sharia Rural Bank has a positive and not significant effect

scholarly journals Pengaruh Variabel Ekonomi Makro Pada Nilai Intrinsik Saham

2019 ◽  
pp. 2406
Author(s):  
I Komang Gede Darma Putra Sadia ◽  
I Gde Ary Wirajaya
Keyword(s):  
Exchange Rate ◽  
Gross Domestic Product ◽  
Stock Exchange ◽  
Intrinsic Value ◽  
Linear Regression Analysis ◽  
Secondary Data ◽  
Sampling Technique ◽  
Total Sample ◽  
Annual Reports ◽  
Domestic Product

The purpose of this study was to find out and obtain empirical evidence of the effect of the rupiah exchange rate and gross domestic product on the intrinsic value of shares. The population of this study is non-financial companies listed on the Indonesia Stock Exchange for the period 2016-2017. The data sources used in this study are secondary data obtained in the annual reports of companies listed on the Indonesia Stock Exchange by accessing the site www.idx.co.id and the company's website. The sampling technique used was purposive sampling with a total sample of 283 companies in 2 years, so that in total 566 total observations were obtained. The data analysis used in this study is multiple linear regression analysis. Based on the results of the analysis it was found that the rupiah exchange rate variable had a negative effect on the intrinsic value of shares. While the gross domestic product variable has a positive influence on the intrinsic value of shares. Keywords: Price Earning Ratio, Rupiah Exchange Rate, Gross Domestic Product

scholarly journals Pengaruh Kredit Bermasalah dan Tingkat Kecukupan Modal terhadap Kinerja Keuangan pada Perusahaan Perbankan yang Terdaftar di Bursa Efek Indonesia

2017 ◽  
Vol 4 (1) ◽  
Author(s):  
I Gede Oka ◽  
Yuldi Mile ◽  
Jurana Jurana
Keyword(s):  
Regression Analysis ◽  
Financial Performance ◽  
Stock Exchange ◽  
Secondary Data ◽  
Negative Influence ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Capital Adequacy Ratio ◽  
Level Of Significance ◽  
Bad Debt

This research aims to test the influence of bad debt as measured by the non-Performing Loan(NPL), and capital adequacy levels as measured by the Capital Adequacy Ratio (CAR) againstthe financial performance as measured by Return on Assets (ROA) at banking company listed onthe Indonesia stock exchange (idx). This research belongs to a causative research. The population in this research is the entire banking company registered in BEI years 2009 to 2011. Whilethe study sample is determined by metodepurposive sampling so that the retrieved samplecompanies. Types of data used are secondary data obtained from www.idx.co.id. Methods ofanalysis used is multiple regression analysis. Based on the results of a multiple regressionanalysis with a level of significance of 5%, then the results of this research concluded:(I) thesimultaneous, Non-Performing Loan and Capital Adequacy Ratio have effect on the financialperformance (ROA) (2) Non Performing Loan has a negative influence and significantly to financial performance (3) Capital Adequacy Ratio significantly affect against the positive financialperformanceKeywords: Bad Debt, The Level Of Capital Adequacy, Financial Performance

scholarly journals EFFECT OF GROSS DOMESTIC PRODUCT, INFLATION, INTEREST RATE, PROFITABILITY AND CAPITAL ADEQUACY RATIO TO NON PERFORMING LOAN ON MIXED BANKS IN 2012-2015

2018 ◽  
Vol 14 (1) ◽  
pp. 1
Author(s):  
Ekayana Nurnaningtyas ◽  
Purwohandoko Purwohandoko
Keyword(s):  
Gross Domestic Product ◽  
Interest Rates ◽  
Financial Institution ◽  
Capital Adequacy ◽  
Domestic Product ◽  
Economic Factors ◽  
Return On Assets ◽  
The Public ◽  
Capital Adequacy Ratio ◽  
Negative Effect

Bank is a financial institution with the purpose of providing loans and services. Credit is the provision of money or product that is equated with money to make an agreement between the bank and the borrower where the borrower is obliged to fulfill its obligations within the period specified by the interest paid first. But in the process of lending to the public, the banks have problems such as credit risk, where the borrower is unable to repay the loan as agreed. So this raises the problem loans or bad credit. This study aims to determine the effect of economic factors, which uses variable Gross Domestic Product (GDP), inflation, and interest rates, as well as the internal bank uses variable profitability by proxy Return on Assets (ROA), and the Capital Adequacy Ratio (CAR ) against non-performing loans (NPLs). Data used in this study is taken from mixed banks year period 2012-2015. The analytical method used in this study is the linear multiple regression analysis. Variabel interest in this study is removed from the model because it does not pass the classic assumptions test. The research results are variable GDP negative effect on NPLs, the economy will increase the value of NPLs. CAR negative effect on NPLs, increasing the bank's capital will reduce the level of NPLs. ROA and inflation does not affect the NPL, any changes in these two variables do not affect the value of the NPL.

scholarly journals Pengaruh Capital Adequacy Ratio, Non Performing Loan dan Biaya Operasional Pendapatan Operasional Terhadap Return On Assets

2021 ◽  
Vol 4 (2) ◽  
pp. 580-590
Author(s):  
Nanin Diana Hediati ◽  
Nanu Hasanuh
Keyword(s):  
Financial Services ◽  
Linear Regression Analysis ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Significant Positive Effect ◽  
Process Data ◽  
Return On Assets ◽  
Operating Income ◽  
Capital Adequacy Ratio ◽  
Positive Effect

This study aims to determine whether there is an effect of CAR, NPL, and BOPO on ROA at BJB Bank for the period 2011 to 2018.The data used in this study uses secondary data in the form of BJB Bank Quarterly Published Financial Reports for the period 2011 to 2018 published by the Authority. Financial Services (OJK). The sample used is one company, namely Bank BJB as the object of research. The method used in this research is quantitative method. Tools to analyze data using multiple linear regression analysis and hypothesis testing using the t test and f test. This study uses the SPSS version 26 program to process data. The results of the research simultaneously show that the variables CAR, NPL, and OEOI have an effect on ROA. The results of the study partially show that the CAR variable has a significant positive effect on ROA, then the NPL variable has a significant positive effect on ROA, and the BOPO variable has a significant negative effect on ROA. Keywords: Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Operational Cost of Operating Income (BOPO), Return On Assets (ROA).

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