Factors Affecting Banking Profitability in Indonesia  (Studies at Bank BRI, Bank BNI, and Bank BTN)

The aim of this research is to know the influence of inflation, BI Rate and Non-Performing Loan (NPL) toward the profitability of BUMN bank studies in Bank Rakyat Indonesia, Bank Negara Indonesia, and Bank Tabungan Negara. Profitability is the company's ability to make a profit. The purpose of a company's profitability analysis is to measure the level of business efficiency achieved by the company concerned. The population in this research is all quarterly financial report of Commercial Banks. While the sample used is the financial statements of the first quarter of 2013 until the fourth quarter of 2016 in Bank Rakyat, Bank Negara Indonesia, and Bank Tabungan Negara. This research used multiple linear regression analysis. The result of this research using F test shows that simultaneously the independent variable of inflation, BI Rate, and NPL have significant effect on profitability. Partially the result using t test obtained that BI Rate and Non Performing Loan (NPL) have significant effect on profitability while inflation has no effect on profitability.Key words: inflation, BI Rate, NPL, and Profitability.

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PENGARUH INFLASI DAN KURS TERHADAP UJRAH DALAM PEMBIAYAAN MUSYARAKAH MUTANAQISAH PADA PT. BANK MUAMALAT INDONESIA, TBK CABANG PEMATANGSIANTAR

Studia Economica : Jurnal Ekonomi Islam ◽

10.30821/se.v1i1.234 ◽

2015 ◽

Vol 1 (1) ◽

pp. 86

Author(s):

Nuri Aslami

Keyword(s):

Regression Analysis ◽

Exchange Rate ◽

Linear Regression Analysis ◽

Field Research ◽

Secondary Data ◽

Financial Statements ◽

Multiple Linear Regression Analysis ◽

Independent Variables ◽

Qualitative Approaches ◽

Independent Variable

This study aims to determine how the effects of inflation and exchange rate against ujrah, musyarakah, mutanaqisah PT Bank Muamalat Indonesia, Tbk Branch Pematang Siantar. This research is a field research using quantitative and qualitative approaches. The data used are secondary data, ie., data obtained from the Central Statistics Agency report, Report of Bank Indonesia, and the financial statements of PT Bank Muamalat Indonesia, Tbk Branch Pematang Siantar. The data were processed using SPSS 16. The analysis used is multiple linear regression analysis. The results showed that the inflation and the exchange rate (the independent variable) affects ujrah in Musharakah financing mutanaqisah (dependent variable). The independent variables in this study could explain the change by 3.4% and the rest (96.6%) is explained by other variables beyond the variables used. Partially, the level of significant 5% and t table of 2034, inflation and exchange rate does not significantly affect the Musharakah financing ujrah mutanaqisah. This is demonstrated by the t value inflation of 0. 489 and texchange rate of 0899.

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FACTORS AFFECTING ELECTRONIC MONEY (E-MONEY) SALES CASE STUDY IN BANKING ENTITIES IN INDONESIA

Journal of Business Economics ◽

10.35760/eb.2019.v24i3.2224 ◽

2019 ◽

Vol 24 (3) ◽

pp. 236-242

Author(s):

B Sundari ◽

Cicilia Erly Istia ◽

Renita Helena

Keyword(s):

Regression Analysis ◽

Linear Regression Analysis ◽

Multiple Linear Regression Analysis ◽

Marketing Channels ◽

Analysis Method ◽

Electronic Money ◽

Factors Affecting ◽

Independent Variable ◽

The Relationship

Electronic money instruments with non-cash transactions continue to increase positively from year to year. This is also due to the launch of the national non-cash or cashless movement which has been widely applied, especially in Indonesia. This study aims to find out what factors influence e-money sales, especially in banking entities in Indonesia. This study uses multiple linear regression analysis method using SPSS 22, which aims to examine the relationship or effect of the dependent variable with the independent variable. The results of the study have found that in the partial sale of electronic money is only influenced by e-money marketing channels / partnerships. While ease of transaction, ease of top up, and type of design do not have an impact on e-money sales. Meanwhile, simultaneously, these factors have an impact on E-Money sales.

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PENGARUH RASIO KEUANGAN TERHADAPPEMBIAYAAN MURABAHAHDI BANK PEMBIAYAAN RAKYAT SYARIAH ADECO LANGSA TAHUN 2013-2016

Jurnal Ihtiyath ◽

10.32505/ihtiyath.v1i1.375 ◽

2018 ◽

Vol 1 (1) ◽

Author(s):

Yupin Kirana Siagian ◽

Iskandar Budiman ◽

Early Ridho Kismawadi

Keyword(s):

Regression Analysis ◽

Linear Regression Analysis ◽

Secondary Data ◽

Financial Statements ◽

Multiple Linear Regression Analysis ◽

Financial Ratio ◽

Financial Report ◽

Independent Variables ◽

Simultaneous Test ◽

Analysis Determination

The independent variables in this study are deposits and financial ratios of sharia banks which consist of NPF and FDR ratios. This study aims to determine and analyze the effect of DPK, NPF and FDR on Murabahah financing in the SRB. This study used secondary data, which is the form of published Financial Statements of banks obtained from the website of Bank Indonesia. The bank's financial report used is quarterly financial report at Adeco Langsa Syariah Adequacy Bank. The data were then analysed by using the classical assumption method using multiple linear regression analysis, determination coefficient, F test or simultaneous test and t test or partial test. Hypothesis in this research is DPK, and financial ratio of NPF and ROE bank partially has significant effect to Murabahah financing, while simultaneously from the three variables have a significant effect on the provision of financing. The method used in this study is multiple regressions. The results of this study indicatedthat DPK and FDR variables have no significant effect on murabahah financing, while NPF affects. DOI 10.5281/zenodo.1214916.

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ANALISIS PENGGUNAAN PEMBIAYAAN MUDHARABAH DAN PEMBIAYAAN MUSYARAKAH TERHADAP PROFITABILITAS DI BANK UMUM SYARIAH PERIODE 2015-2018

Eqien: Jurnal Ekonomi dan Bisnis ◽

10.34308/eqien.v7i2.146 ◽

2020 ◽

Vol 7 (2) ◽

pp. 71-76

Author(s):

Heikal Muhammad Zakaria ◽

Gusganda Suria Manda ◽

Arif Rakhman

Keyword(s):

Regression Analysis ◽

Commercial Banks ◽

Linear Regression Analysis ◽

Secondary Data ◽

Financial Statements ◽

Analysis Data ◽

Multiple Linear Regression Analysis ◽

Significant Positive Effect ◽

Negative Effect ◽

Positive Effect

This study is aiming to determine the effect of mudharabah financing on the profitability (ROA) in Sharia Commercial Banks (BUS) for the 2015-2018 period, the effect of musyarakah financing on the profitability (ROA) on Sharia Commercial Banks (BUS) for the 2015-2018 period, and the effect of mudharabah and musyarakah financing on the profitability (ROA) in Sharia Commercial Banks (BUS) for the 2015-2018 period. This research is a type of associative research with a quantitative approach. This study uses secondary data with the period of 2015-2018 observation. The data used is sourced from the Sharia Banking (SPS) and the Sharia Bank's annual financial statements from 2015 to 2018. The analysis used is multiple linear regression analysis. Data is processed using SPSS version 16. The results of the study show that mudharabah financing has a significant positive effect on the profitability (ROA) of Sharia Commercial Banks (BUS) for the 2015-2018 period. Musyarakah financing has a significant negative effect on profitability (ROA) of Sharia Commercial Banks (BUS) for the 2015-2018 period. Mudharabah financing and musyarakah financing have a positive significant effect on the profitability (ROA) of Sharia Commercial Banks (BUS) for the 2015-2018 period.

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ANALISIS FAKTOR-FAKTOR YANG MEMENGARUHI ASET BPRS

At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam ◽

10.24952/tijaroh.v5i1.1645 ◽

2019 ◽

Vol 5 (1) ◽

pp. 67-82

Author(s):

Muhammad Ikhsan Harahap ◽

Rahmat Daim Harahap

Keyword(s):

Regression Analysis ◽

Interest Rate ◽

Financial Institutions ◽

Commercial Banks ◽

Quantitative Research ◽

Linear Regression Analysis ◽

Multiple Linear Regression Analysis ◽

Business Units ◽

Equivalent Rate ◽

Independent Variable

AbstractSharia Rural Banks (BPRS) are one of the sharia financial institutions that function the same as Sharia Commercial Banks (BUS) and Sharia Business Units (UUS), only BPRS have fewer assets compared to more economical and micro BUSs. There is some empirical evidence that affects the assets of the claimed BPRS, namely Inflation, Bank Indonesia Interest Rate (BI Rate), Equivalent Rate, and Return on Asset (ROA) ratio. This research is quantitative research, with multiple linear regression analysis that is processed using software Eviews 8. The results of the research are obtained from the valuation and the level of Equivalent to BPRS assets, while the BI rate and ROA affect the assets of the BPRS. Overall, the independent variable affect the assets of the BPRS. Keyword : Asset, Equivalent Rate, BPRS.Abstrak Bank Perkreditan Rakyat Syariah (BPRS) merupakan salah satu lembaga keuangan syariah yang fungsinya sama dengan Bank Umum Syariah (BUS) dan Unit Usaha Syariah (UUS), hanya saja BPRS memiliki aset yang lebih sedikit jika dibandingkan dengan BUS sehingga fokus pembiayaannya hanya pada sektor kecil dan mikro. Ada beberapa bukti empiris yang memengaruhi asset BPRS diantaranya yaitu Inflasi, Suku Bunga Bank Indonesia (BI Rate), Equivalent Rate, dan rasio Return On Aset (ROA). Penelitian ini adalah penelitian kuantitatif, dengan analisis regresi linier berganda yang diolah dengan menggunakan software Eviews 8. Hasil penelitian diperoleh bahwa inflasi dan Equivalent Rate berpengaruh terhadap aset BPRS, sedangkan BI rate dan ROA tidak berpengaruh terhadap asset BPRS. Secara simultan seluruh variabel bebas berpengaruh terhadap aset BPRS.Kata Kunci : Aset, Equivalent Rate, BPRS.

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Analysis of Some Factors Affecting Interest Rate Deposits And Savings At Umu Bank In East Java

Jurnal Dinamika Ekonomi Pembangunan ◽

10.33005/jdep.v1i1.69 ◽

2018 ◽

Vol 1 (1) ◽

pp. 46-55

Author(s):

Moch Aditya Hendro P ◽

Ririt Iriani Sri Setiawati

Keyword(s):

Regression Analysis ◽

Interest Rate ◽

Commercial Banks ◽

Linear Regression Analysis ◽

Secondary Data ◽

Multiple Linear Regression Analysis ◽

Return On Assets ◽

Deposit Rate ◽

Factors Affecting ◽

Independent Variables

The purpose of this study is to find out how many factors affect the rate of deposits and savings at commercial banks in East Java. This study uses secondary data for 15 years since 2001-2015 by using multiple linear regression analysis to determine the effect simultaneously and partially from Inflation variable, Gross Regional Domestic Product, Total Money Supply, Return On Assets to variable Interest Rate Deposit Rate And Savings as dependent variable. The results showed that simultaneously all the independent variables (X) affect the level of Deposits and savings. Partially variable of GRDP, JUB, ROA have an effect on significantly to deposit and saving interest rate while Inflation variable has no significant effect.

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PENGARUH RASIO KEUANGAN TERHADAP PEMBIAYAAN MURABAHAH DI BANK PEMBIAYAAN RAKYAT SYARIAH ADECO LANGSA TAHUN 2013-2016

Jurnal Ihtiyath ◽

10.32505/ihtiyath.v1i1.678 ◽

2017 ◽

Vol 1 (1) ◽

Author(s):

Yupin Kirana Siagian ◽

Iskandar Budiman ◽

Early Ridho Kismawadi

Keyword(s):

Regression Analysis ◽

Linear Regression Analysis ◽

Secondary Data ◽

Financial Statements ◽

Multiple Linear Regression Analysis ◽

Financial Ratio ◽

Financial Report ◽

Independent Variables ◽

Simultaneous Test ◽

Analysis Determination

The independent variables in this study are deposits and financial ratios ofsharia banks which consist of NPF and FDR ratios. This study aims todetermine and analyze the effect of DPK, NPF and FDR on Murabahahfinancing in the SRB. This study used secondary data, which is the form ofpublished Financial Statements of banks obtained from the website of BankIndonesia. The bank's financial report used is quarterly financial report atAdeco Langsa Syariah Adequacy Bank. The data were then analysed by usingthe classical assumption method using multiple linear regression analysis,determination coefficient, F test or simultaneous test and t test or partial test.Hypothesis in this research is DPK, and financial ratio of NPF and ROE bankpartially has significant effect to Murabahah financing, while simultaneouslyfrom the three variables have a significant effect on the provision of financing.The method used in this study is multiple regressions. The results of this studyindicated that DPK and FDR variables have no significant effect on murabahahfinancing, while NPF affects.

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C. PENGARUH UTANG LUAR NEGERI DAN EKSPOR TERHADAP PERTUMBUHAN EKONOMI (Studi pada Produk Domestik Bruto Indonesia Periode 2015-2019)

Inovasi Manajemen dan Kebijakan Publik ◽

10.54980/imkp.v4i1.116 ◽

2021 ◽

Vol 4 (1) ◽

pp. 22

Author(s):

Farah Syahri Maulidiyah

Keyword(s):

Economic Growth ◽

Time Series ◽

Regression Analysis ◽

Linear Regression Analysis ◽

Foreign Debt ◽

External Debt ◽

Multiple Linear Regression Analysis ◽

Analysis Method ◽

Indonesian Government ◽

Independent Variable

ABSTRACT The purpose of this research is to analyze the influence of exports and foreign debt which can affect Indonesia's GDP (Gross Domesty Product). The variables of this research are the foreign debt value of the Indonesian government and the value of Indonesian exports as the independent variable, and the value of Indonesia's GDP as the dependent variable. The data used are supporting data for the 2015-2019 period from the time series (time series) of Bank Indonesia and BPS. The data analysis method used multiple linear regression analysis. The results of this study are the value of the Indonesian government's foreign debt and the value of Indonesia's exports have a significant effect. Meanwhile, the results of the partial test (t-test) show that the value of foreign debt and exports of the Indonesian government greatly affects the value of Indonesia's GDP. Keywords : External Debt, Export, Economic Growth (Menggunakan template jurnal sinta 2 JESP (Jurnal Ekonomi dan Studi Pembangunan) eISSSN : 2502-7115 l pISSN : 2502-7115 Universitas Negeri Malang).

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Influence Of Supportive And Directive Leadership Styles On Employee Job Satisfaction In Commercial Banks In Kenya

JOURNAL OF RESEARCH IN MANAGEMENT ◽

10.32424/jorim.v2i3.76 ◽

2019 ◽

Vol 2 (3) ◽

Author(s):

DAVIDSON MGHANGA MWAISAKA

Keyword(s):

Job Satisfaction ◽

Regression Analysis ◽

Linear Regression ◽

Leadership Styles ◽

Leadership Style ◽

Commercial Banks ◽

Linear Regression Analysis ◽

Multiple Linear Regression Analysis ◽

Supportive Leadership ◽

Employee Job Satisfaction

The purpose of the study was to investigate the influence of supportive and directive leadership style on employee job satisfaction in commercial banks in Kenya. The study adopted positivism research philosophy to guide the study and limited itself to descriptive correlational research design to analyze and provide responses to the research questions. The research design was preferred because it allows description and comparison of characteristics of populations based on data collected from samples through questionnaires. The target population of the study was 15,030 employees in all the 43 commercial banks licensed to operate in Kenya as of June 2018. Using stratified sampling technique, the study drew a sample size of 386 employees reporting to middle level managers. Data was collected by means of a questionnaire and analyzed using descriptive and inferential statistics, which included factor analysis, correlational analysis, chi-square, one-way analysis of variance (ANOVA), and regression analysis using Statistical Package for Social Sciences (SPSS) version 20 and Windows’ Microsoft excel programs.From the findings of multiple linear regression analysis, it was established that directive leadership style had a positive and significant relationship with employee job satisfaction, R2 = .228, F(1, 362) = 53.396, p < .05; β = .454, p < .05. The results from multiple linear regression analysis also showed that supportive leadership style positively and significantly predicted employee job satisfaction, R2 = .603, F(1, 366) = 278.269, p < .05; β = .716, p < .05. In addition, the study tested the moderating influence of environmental contingency factors and was confirmed that environmental contingency factors significantly moderated the relationship between path-goal leadership style and employee job satisfaction, R2=0.090, F(5,364) = 35.04, p < .05; β= 0.229, p<.05.The study makes a contribution to the literature of the influence of directive and supportive leadership styles from Kenyan commercial banks’ perspective and adds an impetus to employees, management and policymakers to address issues that are impeding employee job satisfaction. The future researchers should include all bank employees in their study to determine the influence of directive leadership style and supportive leadership style on employee job satisfaction.

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ANALYSIS OF COST OF SALES AND SALES ON NET INCOME

Inovbiz: Jurnal Inovasi Bisnis ◽

10.35314/inovbiz.v9i1.1900 ◽

2021 ◽

Vol 9 (1) ◽

pp. 133

Author(s):

Muchamad Pahmi Ramdhani

Keyword(s):

Regression Analysis ◽

Literature Review ◽

Hypothesis Test ◽

Linear Regression Analysis ◽

Financial Statements ◽

Multiple Linear Regression Analysis ◽

Net Income ◽

Test Analysis ◽

Retail Trading ◽

The Cost

This study aims to analyze The cost of sales and sales of net income in retail trading companies listed on the Bursa Efek Indonesia. The population and sample in this study are the financial statements of 12 retail trading companies listed on the Bursa Efek Indonesia for the period 2016-2018. This research technique uses classic assumption test, multiple linear regression analysis, hypothesis test and determination coefficient test. The collection technique uses the documentation and literature review methods. And after the data was collected, the test analysis in this study was carried out with the help of IBM SPSS 26 for Windows. Based on the results of the F test that The cost of sales and sold together has a simultaneous effect on net income in 12 retail trading sub-sector trading companies listed on the Bursa Efek Indonesia.

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