scholarly journals THE INFLUENCE OF THIRD-PARTY FUNDS, NON-PERFORMING LOANS (NPL) ON CREDIT DISTRIBUTION WITH PROFITABILITY AS INTERVENING VARIABLE IN COMMERCIAL BANKS

2020 ◽  
Vol 4 (02) ◽  
Author(s):  
Sri Hermuningsih ◽  
Pristin Prima Sari ◽  
Anisya Dewi Rahmawati
Keyword(s):  
Commercial Bank ◽  
Commercial Banks ◽  
Quantitative Research ◽  
Sampling Technique ◽  
Bank Lending ◽  
Third Party ◽  
Internal Factors ◽  
Negative Effect ◽  
The Government ◽  
The Relationship

Banks are financial institutions that collect and distribute funds in the forms of deposits such as savings, deposits, current accounts, etc. from and for people who need funds for various needs, such as for consumption, working capital or business capital, housing and investment. In addition, banks must help the community to improve their living standards by distributing funds or giving credit to people who need funds. This is in accordance with the function of the bank itself, namely the bank as the distributor of funds. The purpose of this research is to examine and obtain evidence about factors that influence loan distribution at a bank. Internal factors that influence loan distribution are Third Party Funds, Non-Performing Loans, and Profitability. Efforts to increase credit at banks require optimal efforts to raise third-party funds, good credit management, and capital strengthening. This type of research is quantitative research with purposive sampling technique. The population used in this study is commercial banks from 2013 to 2017. The data come from commercial bank financial statements. As the benefit of this research the government can use it as a mapping material for distributing loan to commercial banks; the bank management can take it into consideration in making commercial bank lending policies. The results of the research show that profitability can mediate the relationship between third party funds and non-performing loans on loan distribution. Third party funds have a significant positive effect on loan distribution. Non-Performing Loans have a significant negative effect on loan distribution. Keywords: LOAN DISTRIBUTION, THIRD PARTY FUNDS, NON-PERFORMING LOANS, AND PROFITABILITY

scholarly journals Analysis of the Relationship between Credit Risk and Bank Performance of Some Commercial Banks in Ghana

2020 ◽  
Vol 8 (2) ◽  
pp. 34-51
Author(s):  
Joseph Acquah ◽  
Yusif Arthur ◽  
Damianus Kofi Owusu
Keyword(s):  
Credit Risk ◽  
Commercial Bank ◽  
Commercial Banks ◽  
Quantitative Research ◽  
Banking Sector ◽  
Sampling Technique ◽  
Capital Adequacy ◽  
Research Approach ◽  
Independent Entity ◽  
The Relationship

This study analysed the relationship between credit risk and bank financial performance of selected commercial banks in Ghana for the period 2010 - 2014, using the banks respective financial statements. The study employed the quantitative research approach. The sample was Ghana Commercial Bank Limited, Zenith Bank Limited, UT Bank and Ecobank Plc. These four banks were selected using stratified random sampling technique. The data were primarily secondary and quantitative in nature. Both descriptive and inferential statistics were used to analyse the data. When the banks were compared, Ghana Commercial Bank Limited was found to be more liquid than Zenith Bank Limited. That of Zenith bank was also higher than UT bank and Ecobank Plc .However, profitability indicators showed that Zenith Bank Limited and Ecobank Plc utilised its assets better than Ghana Commercial Bank Limited and UT bank resulting in the two banks higher scores over the period. The findings show further that Ghana Commercial Bank Limited showed higher ratios for investment in the future while Zenith Bank Limited showed higher ratios of higher dividend immediately. However, Zenith Bank Limited capital adequacy level was far higher than the legal requirement of Banking sector while its counterparts fell slightly below it in terms of average. Based on the main findings and conclusions, it is recommended that Ghana Commercial Bank Limited should find a means of reducing its expenditure, introducing prudent assets management, should be cautious when assisting government in time of economic difficulty, and operate as an independent entity.

scholarly journals FAKTOR INTERNAL YANG MEMPENGARUHI PEMBIAYAAN BANK UMUM SYARIAH DI INDONESIA PERIODE 2014-SEPTEMBER 2019

2020 ◽  
Vol 7 (5) ◽  
pp. 971
Author(s):  
Dinayatin Umaroh ◽  
Siti Zulaikha
Keyword(s):  
Commercial Bank ◽  
Commercial Banks ◽  
Sampling Technique ◽  
Third Party ◽  
Observation Data ◽  
Independent Variables ◽  
Bank Financing ◽  
Panel Data Regression ◽  
Variable Sampling ◽  
Capital Ratios

This study aims to determine the effect of internal factors of Islamic commercial banks in Indonesia on financing. Measured through Bank Size (Size), Liquidity Ratio, Capital Ratio, and Third Party Funds (DPK) of the four independent variables will be tested for the effect on one dependent variable. Sampling in this study uses a purposive sampling technique that includes all Islamic commercial banks in Indonesia and is taken in accordance with the criteria and research objectives into the observation data. The observation period of research data from 2014-September 2019 amounted to 8 banks. The analytical method used is panel data regression. The results of this study found that partially Bank Size, Liquidity Ratios, Capital Ratios and Third Party Funds had a positive and significant effect on Islamic commercial bank financing in Indonesia. However, the Capital Ratio has a negative and significant effect on Islamic commercial bank financing in Indonesia. Simultaneously, the four variables indicate that the independent variable influences the financing of Islamic commercial banks. The significance value of the F-statistic test shows the number 0.000000 with the value of the R-squared coefficient 0.990219 or 99% which means the four independent variables can explain financing well.Keywords: Financing, bank size, liquidity ratio, capital ratio, third party funds

scholarly journals RELATIONSHIP BETWEEN CAPPED LENDING RATES AND NON-PERFORMING LOANS ON LISTED COMMERCIAL BANKS IN KENYA

2018 ◽  
Author(s):  
Gladys Wanjiku Thuita
Keyword(s):  
Significant Relationship ◽  
Commercial Banks ◽  
Quantitative Research ◽  
Monthly Basis ◽  
Continuous Basis ◽  
Lending Rate ◽  
Lending Rates ◽  
The Government ◽  
The Relationship ◽  
Pearson Correlations

<p><em>The study sought to determine the relationship between capped lending rate and non-performing loans among the listed commercial banks in Kenya. The data for the study was collected from the period 2013 to 2017 from five listed commercial banks in Kenya. The research tested the null hypotheses that capping the lending rate has no significant relationship on non-performing loans of the sampled banks. The study adopted the quantitative research design to test the null hypotheses. The Pearson correlations results indicated that capped lending rate has no significant relationship on the non-performing loans. In conclusion the negative correlation can be attributed to fact that borrowers continue to repay the old loans (acquired before capping) the same scheduled payments before capping, reducing the duration of the loan and not amount payable on monthly basis. The recommendation is for such studies to be conducted on continuous basis for the next five years and advice the government on whether to drop or retain the cap for purpose of sustainable economic development in Kenya.  </em></p>

scholarly journals Factors influencing small, medium and micro-sized enterprises’ borrowing from banks: The case of the Botswana manufacturing sector

2017 ◽  
Vol 17 (1) ◽  
Author(s):  
Wilbert R. Mutoko ◽  
Stephen M. Kapunda
Keyword(s):  
Commercial Banks ◽  
Quantitative Research ◽  
Banking Sector ◽  
Positive Impact ◽  
Manufacturing Sector ◽  
Sampling Technique ◽  
Bank Loans ◽  
Factors Influencing ◽  
Research Designs ◽  
Negative Effect

The objective of the study: The main objective of this study is to determine the factors that influence manufacturing small, medium and micro-sized enterprises’ (SMMEs) borrowing from banks.Problem statement: This article examines factors that affect SMMEs’ ability to borrow money from commercial banks. Empirical evidence was collected from manufacturing SMMEs.Motivation for the study: There is a scarcity of studies on factors influencing borrowing among Botswana manufacturing SMMEs.Methodology: The study employed both qualitative and quantitative research designs. The random stratified sampling technique was used to draw a sample of 100 manufacturing SMMEs from a population of 329 registered manufacturing SMMEs in Botswana. Descriptive and inferential statistics were used to analyse the data. Furthermore, multivariate logistic regression estimation was used to obtain the main objective.Main findings: The empirical results showed that longevity in position and annual turnover have positive impact on getting access to bank loans, while marital status has a negative effect on access to bank loans.Practical implications: An understanding of factors influencing borrowing can increase chances of an SMME gaining financing from commercial banks, thus solving the challenge of access to finance.Contributions: The results are significant to SMMEs, policymakers, the banking sector and other researchers. Furthermore, this study increases literature on SMME challenges and financing logistics.

PENGARUH LEVERAGE TERHADAP PENGUNGKAPAN ISLAMIC SOCIAL REPORTING DENGAN AKUNTABILITAS DAN TRANSPARANSI SEBAGAI VARIABEL MODERATING PADA PERBANKAN SYARIAH DI INDONESIA PERIODE 2012-2016

2017 ◽  
Vol 2 (1) ◽  
pp. 96
Author(s):  
Arry Eksandy
Keyword(s):  
Commercial Bank ◽  
Sampling Technique ◽  
Social Reporting ◽  
Panel Data Regression ◽  
Content Analysis Method ◽  
Analysis Technique ◽  
Data Regression ◽  
Negative Effect ◽  
Relationship Of ◽  
The Relationship

This research aims to determine the effect of LeverageFinancing on the Disclosure of Islamic Social Reporting (ISR) with moderated by Accountability and the Transparency.        The population in this research is all sharia banking in the form of Sharia Commercial Bank in Indonesia during the period 2012-2016. The total samples tested were 9 Sharia Commercial Bank selected by purposive sampling technique. This research analyzes ISR Index through bank annual report by using content analysis method. Data analysis technique use panel data regression with Eviews 9.0 program.The results describe Accountability and Transparency able to moderate the relationship of Leverageto the Disclosure of Islamic Social reporting. Leverage have no effect on the disclosure of Islamic Social reporting, but after moderated by Accountability and the Transparency of Leverage has a negative effect on Disclosure of Islamic Social Reporting.Keywords: Disclosure of Islamic Social Reporting (ISR), Debt to Assets Ratio, Accountability and Transparency

scholarly journals NON PERFORMING FINANCING PADA BANK UMUM SYARIAH DI INDONESIA

2020 ◽  
Vol 5 (2) ◽  
Author(s):  
Eka Prasetya Ningrum ◽  
Yuli Chomsatu Samrotun ◽  
Suhendro Suhendro
Keyword(s):  
Commercial Bank ◽  
Financial Services ◽  
Commercial Banks ◽  
Sampling Method ◽  
Linear Regression Analysis ◽  
Sampling Technique ◽  
Multiple Linear Regression Analysis ◽  
Purposive Sampling ◽  
Bank Financing ◽  
Negative Effect

ABSTRAKDalam memberikan pembiayaan bank tidak lepas dari non performing financing dalam memberikan pembiayaan. Tujuan dari penelitian ini adalah untuk mengetahui dan menganalisis bagaimana pengaruh rasio keuangan (BOPO, CAR, ROA, dan FDR) terhadap non performing financing pada Bank Umum Syariah. Populasi dalam penelitian ini adalah Bank Umum Syariah yang terdaftar di Otoritas Jasa Keuangan (OJK) periode 2012-2018. Teknik pengambilan sampel menggunakan metode purposive sampling dan didapat 11 sampel. Metode analisis menggunakan analisis regresi linier berganda. Hasil analisis data menunjukkan bahwa variabel CAR, ROA, dan FDR berpengaruh negatif terhadap non performing financing, sedangkan variabel BOPO tidak berpengaruh terhadap non performing financing. Perbankan dalam menjalankan usahanya harus dapat menjaga nilai rasio yang dapat meningkatkan non performing finacing.Kata kunci : Non-Performing Financing; BOPO; CAR; ROA; FDR ABSTRACTIn providing bank financing, it cannot be separated from funding non-performing in offering aid. The purpose of this study is to find out and analyze how the influence of financial ratios (BOPO, CAR, ROA, and FDR) on non-performing financing at Islamic Commercial Banks. The population in this study was a Sharia Commercial Bank registered with the Financial Services Authority (OJK) for the 2012-2018 period. The sampling technique uses a purposive sampling method, and 11 samples are obtained. The method of analysis uses multiple linear regression analysis. The results of data analysis showed that the CAR, ROA, and FDR variables had a negative effect on non-performing financing. In contrast, the BOPO variable had no impact on funding non-performing. Banks in running their business must be able to maintain the value of the ratio that can increase non-performing financing.Keywords: Non-Performing Financing; BOPO; CAR; ROA; FDR

scholarly journals Analisis Pengaruh NPF, FDR, BOPO, CAR, dan GCG terhadap Kinerja Keuangan Bank Umum Syariah di Indonesia Periode 2013-2017

2018 ◽  
Vol 6 (1) ◽  
pp. 94
Author(s):  
Rima Cahya Suwarno ◽  
Ahmad Mifdlol Muthohar
Keyword(s):  
Financial Performance ◽  
Commercial Bank ◽  
Commercial Banks ◽  
Research Method ◽  
Quantitative Research ◽  
Total Sample ◽  
Content Analysis Method ◽  
Regression Test ◽  
Negative Effect ◽  
Positive Effect

This study aims to determine the Influence of NPF, FDR, BOPO, CAR, and GCG on Financial Performance of Sharia Commercial Banks in Indonesia Period 2013-2017. This research use quantitative research method with population in this research is all sharia commercial bank in Indonesia period 2013-2017. The total sample is eight of sharia commercial banks, based on purposive sampling method. Data collection is done by library method from journals, articles or literatures that related to required data, and documentation method of annual report and GCG implementation report of sharia public bank in question as well as data from OJK website. The research method used is statistical descriptive test, descriptive test by analyzing GCG through GCG implementation report using content analysis method, classical assumption test, multiple regression test. The results showed that simultaneously NPF, FDR, BOPO, CAR, and GCG variables significantly influence the Financial Performance of Sharia Commercial Banks in Indonesia Period 2013-2017. While the partial variable of NPF has positive effect not significant to ROA, FDR variable has positive effect not significant to ROA, BOPO variable has significant negative effect to ROA, CAR variable has positive effect not significant, and GCG variable has positive effect not significant to ROA of Sharia Commercial Bank in Indonesia 2013-2017 period.

scholarly journals Head Teachers' supervisory practices and teachers’ motivation in teaching

2021 ◽  
Vol 38 (1) ◽  
Author(s):  
Mushtaq Ahmad Malik ◽  
Fareeha Samee ◽  
Shaista Khalid
Keyword(s):  
High Schools ◽  
Quantitative Research ◽  
Sampling Technique ◽  
Research Approach ◽  
Head Teachers ◽  
Female Head ◽  
The Government ◽  
Multistage Sampling ◽  
Supervisory Practices ◽  
The Relationship

The study examined the relationship between Government Secondary head teachers’ instructional supervisory practices and teachers’ motivation in teaching. Quantitative research approach and survey technique was used in the study. The main objective of the study was to determine the relationship between head teachers’ instructional supervisory practices and teachers’ motivation. The population of the study was all the male and female head teachers and teachers working in the Government high schools of District Sargodha. Multistage sampling technique was used to select the research participants from 75 randomly selected Government high schools of tehsil Sargodha, 75 head teachers and 225 teachers were selected on availability basis. Two self-developed questionnaires; one for head teachers and one for teachers were used as research instruments. Descriptive statistics, frequency, percentage, mean and standard deviation and Pearson r correlation were used in analyzing data and reporting the study findings. The conclusion of the study was that there was positive and moderate relationship between head teachers’ supervisory practices and teachers’ motivation. On the basis of conclusion, it was recommended that DSD should arrange trainings for the head teachers to improve their inspection skills.

scholarly journals Lending and Cash Required Reserve: Empirical Evidence from Ethiopian Commercial Bank

2018 ◽  
Vol 14 (13) ◽  
pp. 179 ◽  
Author(s):  
Mitku Malede Yimer
Keyword(s):  
Commercial Bank ◽  
Commercial Banks ◽  
Predictor Variable ◽  
Bank Lending ◽  
Least Square ◽  
Financial Data ◽  
Ordinary Least Square ◽  
Credit Creation ◽  
The Impact ◽  
The Relationship

The study was mainly intended to determine the effect of cash required reserve on commercial bank lending in Ethiopia using panel data of eight purposively chosen commercial banks over the period of eleven years (2005 to 2015). The investigation tested the relationship between commercial bank lending and cash required reserve. Eleven years financial data of eight purposively chosen commercial banks were used for analysis purpose. Ordinary least square model was applied to test the impact of predictor variable on commercial bank lending. The result suggests that, there is no significant relationship between commercial bank lending and cash required reserve in Ethiopian commercial. This study suggests that commercial bank have to give less emphasis to cash required reserve because it doesn’t weakens banks credit creation ability and does not leads a bank to be insolvent.

scholarly journals Karakteristik Pembiayaan dan Non Performing Finance Perbankan Syariah 2015–2018

2019 ◽  
Vol 3 (1) ◽  
pp. 1
Author(s):  
Rosyid Nur Anggara Putra
Keyword(s):  
Commercial Bank ◽  
Commercial Banks ◽  
Sampling Technique ◽  
Financing Risk ◽  
Negative Effect ◽  
Positive Effect

<p>Each type of contract in financing in a Sharia Bank has different<br />characteristics. This can not be separated from the type of transaction used in<br />financing. This study aims to analyze the effect of financing characteristics<br />based on the contract in the distribution of funds, namely: mudharabah<br />financing, musyarakah financing, murabahah financing and qardh loans to<br />financing risk which is proxied by the ratio of non-performing finance (NPF).<br />The research is a quantitative associative study with the object of a sharia<br />commercial bank in Indonesia. The sampling technique used a purposive<br />sampling technique where the number of samples analyzed was 66 consisting<br />of 11 Islamic Commercial Banks with the period 2011-2016. The analysis<br />shows that mudharabah financing has a positive effect on NPF, murabahah<br />financing has a negative effect on NPF. While musyarakah and qardhul hasan<br />financing does not affect the NPF ratio.</p>

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