scholarly journals ANALISIS PENGARUH FAKTOR EKSTERNAL DAN INTERNAL PERBANKAN TERHADAP LIKUIDITAS PERBANKAN SYARIAH DI INDONESIAPERIODE JANUARI 2003 – OKTOBER 2015

2017 ◽  
Vol 1 (1) ◽  
pp. 41
Author(s):  
Lina Nugraha Rani
Keyword(s):  
Global Financial Crisis ◽  
Negative Influence ◽  
Profit Sharing ◽  
Positive Influence ◽  
Series Data ◽  
Islamic Banking ◽  
Monthly Basis ◽  
Times Series ◽  
Cointegration Tests ◽  
The Global Financial Crisis

Liquidity is the fulfillment of bank liabilities that must be considered in the Islamic banking operations and errors in the management of liquidity can cause loss of Islamic banking which have an impact on the decline for the profit sharing to deposits customers and shareholders of Islamic banking. This study was to investigate the influence of external factors (Economic Performance (EK), inflation (INF), the Global Financial Crisis (D07)) and internal (Non Performing Financing (NPF) and Rate of Return (Deposit)of banks to liquidity (FDR) of Sharia Banking in Indonesia.Data were collected on a monthly basis from January 2003 - October 2015 times series data are tested by unit root and cointegration using Eviews 6.1. to determine the relationship between the variables in the long run.Based on the results of cointegration tests indicate that in long term relationships, NPF and EK variables have a significant and negative influence on the FDR, RRD variables have significant and positive influence on the FDR while variable INF and D07 does not have a significant influence on the FDR. It can be concluded that the Islamic banking must pay attention to the increase in marketing of Islamic banking products to increase liquidity despite good economic conditions and lower financing problems to increase the liquidity of Islamic banking.

scholarly journals ANALISIS PENGARUH FAKTOR EKSTERNAL DAN INTERNAL PERBANKAN TERHADAP LIKUIDITAS PERBANKAN SYARIAH DI INDONESIAPERIODE JANUARI 2003 – OKTOBER 2015

2017 ◽  
Vol 1 (1) ◽  
pp. 41
Author(s):  
Lina Nugraha Rani
Keyword(s):  
Global Financial Crisis ◽  
Negative Influence ◽  
Profit Sharing ◽  
Positive Influence ◽  
Series Data ◽  
Islamic Banking ◽  
Monthly Basis ◽  
Times Series ◽  
Cointegration Tests ◽  
The Global Financial Crisis

Liquidity is the fulfillment of bank liabilities that must be considered in the Islamic banking operations and errors in the management of liquidity can cause loss of Islamic banking which have an impact on the decline for the profit sharing to deposits customers and shareholders of Islamic banking. This study was to investigate the influence of external factors (Economic Performance (EK), inflation (INF), the Global Financial Crisis (D07)) and internal (Non Performing Financing (NPF) and Rate of Return (Deposit)of banks to liquidity (FDR) of Sharia Banking in Indonesia.Data were collected on a monthly basis from January 2003 - October 2015 times series data are tested by unit root and cointegration using Eviews 6.1. to determine the relationship between the variables in the long run.Based on the results of cointegration tests indicate that in long term relationships, NPF and EK variables have a significant and negative influence on the FDR, RRD variables have significant and positive influence on the FDR while variable INF and D07 does not have a significant influence on the FDR. It can be concluded that the Islamic banking must pay attention to the increase in marketing of Islamic banking products to increase liquidity despite good economic conditions and lower financing problems to increase the liquidity of Islamic banking.

scholarly journals The Effect of the Global Financial Crisis on the Level of Accounting Conservatism in Commercial Banks: Evidence from Jordan

2017 ◽  
Vol 12 (2) ◽  
pp. 151 ◽  
Author(s):  
Yusuf Ali Al-Hroot ◽  
Laith Akram Muflih AL-Qudah ◽  
Faris Irsheid Audeh Alkharabsha
Keyword(s):  
Time Series ◽  
Financial Crisis ◽  
Commercial Banks ◽  
Time Series Data ◽  
Global Financial Crisis ◽  
Ordinary Least Squares ◽  
Accounting Conservatism ◽  
Series Data ◽  
Cross Sectional ◽  
The Global Financial Crisis

This paper intends to investigate whether the financial crisis (2008) exerted an impact on the level of accounting conservatism in the case of Jordanian commercial banks before and during the financial crisis. The sample of this study includes 78 observations; these observations are based on the financial statements of all commercial banks in Jordan and may be referred to as cross-sectional data, whereas the period from 2005 to 2011 represents a range of years characterized by time series data. The appropriate regression model to measure the relationship between cross-sectional data and time series data is in this case the pooled data regression (PDR) using the ordinary least squares (OLS) method. The results indicate that the level of accounting conservatism had been steadily increasing over a period of three years from 2005 to 2007. The results also indicate that the level of accounting conservatism was subjected to an increase during crisis period between 2009 and 2011 compared with the level of accounting conservatism for the period 2005-2007 preceding the global financial crisis. The F-test was used in order to test the significant differences between the regression coefficients for the period before and during the global financial crisis. The results indicate a positive impact on the accounting conservatism during the global financial crisis compared with the period before the global financial crisis. The p-value is 0.040 which indicates that there are statistically significant differences between the two periods; these results are consistent with the results in Sampaio (2015).

scholarly journals Global Financial Crisis of Islamic and Conventional Banking in Middle East – A Case Study in Turkey

2017 ◽  
Vol 9 (8) ◽  
pp. 239
Author(s):  
Ayman Abdal-Majeed Ahmad Al-Smadi ◽  
Mahmoud Khalid Almsafir ◽  
Muzamri Bin Mukthar
Keyword(s):  
Financial Crisis ◽  
Global Financial Crisis ◽  
Banking System ◽  
Financial System ◽  
Secondary Data ◽  
Islamic Banking ◽  
The Social ◽  
The Global Financial Crisis ◽  
The Impact

The financial tools all over the world become extremely decisive in these days. The main goal of this paper is to measure then to discuss the impact of performance of conventional and Islamic banking in Turkey during the financial crisis. some variables such as profitability, liquidity, operational efficiency and business growth are used as a measuring factor to determine the performance for both financial models. The period of study is taken during the financial crisis in 1997 and during the global financial crisis in 2007. The comparison in this study is made between the performances of Islamic banking  and conventional banking in Turkey.Some secondary data had examines in this study which was drown from the annual report from one of Turkey bank since 2002 until 2013. SPSS (Statistical Package for the Social Sciences) “18.0” has been used to compare between Islamic finance model and other model. The findings of this paper shows that Islamic financial system is performing superior than conventional financial system for the period of this study. Hence, it can be concluded that the system of Islamic banking is able to sustain and compete with the conventional banking system especially during any financial crisis.

scholarly journals PENGARUH NON PERFORMING FINANCING DAN PERSENTASE BAGI HASIL TERHADAP PEMBIAYAAN MUSYARAKAH PADA PT BANK SYARIAH MANDIRI

2019 ◽  
Vol 1 (1) ◽  
pp. 77-88
Author(s):  
Nora Ulfa ◽  
Ismaulina Ismaulina ◽  
Fathul Liza
Keyword(s):  
Significant Influence ◽  
Statistical Tests ◽  
Research Question ◽  
Profit Sharing ◽  
Positive Influence ◽  
Statistical Test ◽  
Financial Statement ◽  
Islamic Banking ◽  
Test Results ◽  
Production Sharing

Non Performing Financing (NPF) and Percentage of Profit Sharing (PBH) indirectly influence the distribution of Musyarakah financing to Islamic banking. NPF occurs because the customer is unable to pay installments from the musyarakah financing that he has received, the inability of the customer to pay monthly installments is due to the percentage of profit sharing that is too high. The phenomenon that has been happening to PT Bank Syariah Mandiri, namely the distribution of funding did not increase significantly due to an increase in NPF. Based on these thoughts, in this study a research question was taken to find out what factors would influence the distribution of funding to PT Bank Syariah Mandiri. Based on this phenomenon, the distribution of Musyarakah Financing to PT Bank Syariah Mandiri can be seen from the percentage of revenue sharing that has increased significantly, while the NPF and Financing have an interrelated relationship. It can be seen from the Financing data from 2012 to 2014 that the increase in financing was very small due to the increasing value of the NPF. The research method used is a quantitative method in which financial statement data taken through the official website www.syariah.mandiri.co.id will be processed through SPSS data. The results of the study are: The development of NPF of Syariah Mandiri Bank during 2012-2014 has fluctuated, where the percentage of NPF sometimes goes up and sometimes goes down, the results of statistical tests show Non Performing Financing (NPF) has a positive and significant influence on the distribution of Musyarakah Financing to Bank Syariah Mandiri. Because the significance value is smaller than 0.05. This indicates an increase and decrease in the amount of Musyarakah financing disbursed is strongly influenced by the NPF. The development of Bank Syariah Mandiri's Production Sharing Percentage (PBH) during 2012-2014 sometimes increased and sometimes decreased, the statistical test results showed that the Production Sharing Percentage (PBH) had a positive influence and had a significant influence on the distribution of Musyarakah Financing to Bank Syariah Mandiri. Because the significance value is smaller than 0.05. Keyword : Non Performing Financing,  Share of Percentage, Musyarakah Financing.   Abstrak Non Performing Financing (NPF) dan Persentase Bagi Hasil (PBH) secara tidak langsung mempengaruhi distribusi pembiayaan Musyarakah ke perbankan syariah. NPF terjadi karena pelanggan tidak mampu membayar cicilan dari pembiayaan musyarakah yang telah ia terima, ketidakmampuan pelanggan untuk membayar cicilan bulanan disebabkan oleh persentase pembagian keuntungan yang terlalu tinggi. Fenomena yang telah terjadi pada PT Bank Syariah Mandiri, yaitu penyaluran dana tidak meningkat secara signifikan karena adanya peningkatan NPF. Berdasarkan pemikiran ini, dalam penelitian ini pertanyaan penelitian diambil untuk mengetahui faktor-faktor apa yang akan mempengaruhi distribusi dana ke PT Bank Syariah Mandiri. Berdasarkan fenomena ini, distribusi Pembiayaan Musyarakah ke PT Bank Syariah Mandiri dapat dilihat dari persentase bagi hasil yang meningkat secara signifikan, sedangkan NPF dan Pembiayaan memiliki hubungan yang saling terkait. Dapat dilihat dari data Pembiayaan 2012-2014 bahwa peningkatan pembiayaan sangat kecil karena meningkatnya nilai NPF. Metode penelitian yang digunakan adalah metode kuantitatif dimana data laporan keuangan yang diambil melalui situs resmi www.syariah.mandiri.co.id akan diproses melalui data SPSS. Hasil dari penelitian ini adalah: Perkembangan NPF Bank Syariah Mandiri selama 2012-2014 mengalami fluktuasi, dimana persentase NPF terkadang naik dan terkadang turun, hasil uji statistik menunjukkan Non Performing Financing (NPF) memiliki hasil positif. dan pengaruh yang signifikan terhadap distribusi Pembiayaan Musyarakah ke Bank Syariah Mandiri. Karena nilai signifikansi lebih kecil dari 0,05. Ini menunjukkan peningkatan dan penurunan jumlah pembiayaan Musyarakah yang disalurkan sangat dipengaruhi oleh NPF. Perkembangan Persentase Bagi Hasil (PBH) Bank Syariah Mandiri selama 2012-2014 terkadang meningkat dan terkadang menurun, hasil uji statistik menunjukkan bahwa Persentase Bagi Hasil (PBH) berpengaruh positif dan berpengaruh signifikan terhadap penyaluran Pembiayaan Musyarakah. ke Bank Syariah Mandiri. Karena nilai signifikansi lebih kecil dari 0,05. Kata kunci: Non Performing Financing, Persentase Bagi Hasil, Pembiayaan Musharakah.

scholarly journals PENGARUH SUKUK RITEL PEMERINTAH TERHADAP PENGHIMPUNAN DANA PIHAK KETIGA BANK SYARIAH

2018 ◽  
Vol 18 (2) ◽  
pp. 153
Author(s):  
Rizal Yaya ◽  
Ekta Sofiyana
Keyword(s):  
Linear Regression ◽  
Multiple Linear Regression ◽  
Negative Influence ◽  
Positive Influence ◽  
Third Parties ◽  
Islamic Banking ◽  
Company Size ◽  
Islamic Banks ◽  
The Third

<p><em>This research aims </em><em>at</em><em> </em><em>investigating </em><em>fa</em><em>c</em><em>tors </em><em>that influence </em><em>third parties funds (TPF) of Indonesian Islamic banks</em><em> </em><em>during the issuance of government retail sukuk 2012-2015.</em><em> </em><em>Data are taken from quarterly s</em><em>tatistical reports of </em><em>Indonesian </em><em>Islamic banking and analysed by using multiple linear regression. The results show that </em><em>r</em><em>e</em><em>t</em><em>ai</em><em>l </em><em>sukuk </em><em>has </em><em>negative </em><em>influence</em><em>, while offices number, company size, and return for the third parties</em><em> </em><em>have positive influence on </em><em>TPF collected</em><em>. As having negative influence, Islamic banks should anticipate future issuance of retail sukuk by improving their internal performance. Failing to anticipate it, they may suffer of decreasing amount of TPF.</em></p>

scholarly journals FINANCIAL PERFORMANCE OF ISLAMIC BANKING AFTER THE GLOBAL FINANCIAL CRISIS: A COMPARISON BETWEEN ISLAMIC COMMERCIAL BANKS AND ISLAMIC BUSINESS UNIT BANKS IN INDONESIA

2017 ◽  
Vol 4 (1) ◽  
pp. 149
Author(s):  
Laili Rahmi
Keyword(s):  
Financial Crisis ◽  
Financial Performance ◽  
Risk Ratio ◽  
Commercial Banks ◽  
Global Financial Crisis ◽  
Islamic Banking ◽  
Business Unit ◽  
Significant Difference ◽  
The Global Financial Crisis ◽  
The Impact

<p>The global financial crisis has affected some industries or non-industries around the world. It has also impacted to Islamic banking in Indonesia, especially after 2007-2008. It has been recorded the Islamic banking industry in Indonesia shows a speedy recovery from the impact of the global financial crisis. Thus, this study aims to evaluate and examine the differences of Islamic banking’s financial performance after the global financial crisis in Indonesia. The financial performances in this study are profitability ratio (Return on Asset (ROA) and Return on Equity (ROE)), liquidity ratio (Financing to Deposit Ratio (FDR) and Current Asset Ratio (CAR)) and solvency risk ratio (Equity Multiplier (EM) and Debt to Equity Ratio (DER)). The samples in this study are the six Islamic banks from Islamic Commercial Banks (Bank Usaha Sharia (BUS)) and Islamic Business Unit Banks (Unit Usaha Sharia (UUS)) in Indonesia. Based on the results shows by the descriptive statistic, UUS is more effective in using their assets to generate income compared to BUS, but BUS is greater to manage their financing and more liquid than UUS whose has higher risk than BUS during 2009-2013. Independent sample t-test shows that there is significant difference in terms of profitability, liquidity and solvency risk ratio between BUS and UUS Indonesia during 2009-2013</p>

scholarly journals Pengaruh Financing to Deposit Ratio (FDR) dan Non-Performing Financing (NPF) terhadap Bagi Hasil Deposito Mudharabah pada Bank Syariah Mandiri

2018 ◽  
Vol 8 (1) ◽  
pp. 98
Author(s):  
Achmad Agus Yasin Fadli
Keyword(s):  
Significant Influence ◽  
Linear Regression Analysis ◽  
Banking System ◽  
Multiple Linear Regression Analysis ◽  
Profit Sharing ◽  
Positive Influence ◽  
Coefficient Of Determination ◽  
Islamic Banking ◽  
Negative Effect ◽  
Banking Institutions

<em>Along with the development of sharia banking institutions in Indonesia, the more types of services provided by these Islamic banking institutions. This study focuses on internal factors, such as Financing to Deposit Ratio (FDR) and Non-Performing Financing (NPF), because of the presumption that these factors have the most significant influence on profit-sharing that exist in the Islamic banking system. This study aims to determine the effects of Financing to Deposit Ratio (FDR) and Non-Performing Financing (NPF) variables on Mudharabah Deposits of PT Bank Syariah Mandiri, both partially and simultaneously for the 2011-2017 period. The sample used in this study is PT Bank Syariah Mandiri in Indonesia by using multiple linear regression analysis which is processed using SPSS (Statistical Product Services and Solutions) software version 24. The results of this study state that FDR has a negative effect on profit sharing of Mudharabah Deposits, while NPF has a positive influence on the profit sharing of Mudharabah Deposits. These results also indicate that simultaneously the Financing to Deposit Ratio (FDR) and Non-Performing Financing (NPF) variables have a significant influence on the profit sharing of PT Bank Syariah Mandiri Mudharabah Deposits for the period 2011-2017. This is supported by the results of the coefficient of determination. The coefficient is 0.673 or 67.3% of profit sharing of the Mudharabah Deposits are influenced by the FDR and NPF variables, and the remaining 32.7% is influenced by other variables not used in this research model.</em>

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