scholarly journals PENGARUH CAR, NPF DAN FDR TERHADAP PROFITABILITAS BANK SYARIAH (Studi Kasus Pada Bank BCA Syariah Tahun 2010-2017)

2018 ◽  
Vol 2 (02) ◽  
Author(s):  
Abdul Haris Romdhoni ◽  
Bunga Chairunisa Chateradi
Keyword(s):  
Data Analysis ◽  
Linear Regression ◽  
Secondary Data ◽  
Test Method ◽  
Capital Adequacy ◽  
P Value ◽  
Financial Report ◽  
Normality Test ◽  
A Value ◽  
Capital Adequacy Ratio

This study aims to determine the effect of Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR) to profitability at Bank BCA Syariah year 2010-2017 either partially or simultaneously. The population in this study is Bank BCA Syariah in 2010-2017 as many as 30 samples taken by purposive sampling. Data used using secondary data obtained from quarterly financial report of Bank BCA Syariah. The method used in this research is by using classical assumption test method where the classical assumption test consist of four test that is Normality test, Multicolinierity test, Heterokedasticity test, Autocorrelation test besides using Classic Assumption test, in this research also use test with data analysis from analysis multiple linear regression and using t test or partial test and F test or together. The results showed that the variables affecting profitability are Capital Adequacy Ratio (CAR) with P-value of 0.000 and t-count equal to -4.206 where this value is bigger than t-table 2.05553, while the variable that has no effect on profitability is a Non Performing Financing (NPF) variable with a value of P-value of 0.105 where this value is greater than 0.05 and t-count is smaller than t-table and Financing to Deposit Ratio (FDR) variable with P-value value of 0.362 where this value is greater than 0.05 and t-count is smaller than t-table. Simultaneously all variables CAR, NPF and FDR jointly affect the profitability of Bank BCA Syariah year 2010-2017. Keywords: Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), Profitability.

scholarly journals Pengaruh Financing to Deposit Ratio (FDR), Dana Pihak Ketiga (DPK) dan Return On Asset (ROA) Terhadap Pembiayaan Musyarakah (Studi Kasus Bank Syariah Mandiri Periode 2010-2018)

2020 ◽  
Vol 6 (3) ◽  
pp. 598
Author(s):  
Sumadi Sumadi ◽  
Abdul Haris Romdhoni
Keyword(s):  
Data Analysis ◽  
Linear Regression ◽  
Test Method ◽  
Third Party ◽  
P Value ◽  
Return On Assets ◽  
Financial Report ◽  
Purposive Sampling ◽  
Normality Test ◽  
A Value

Penelitian ini bertujuan untuk mengetahui pengaruh Financing To Deposit Ratio (FDR), Dana Pihak Ketiga (DPK) dan Return On Asset (ROA) terhadap pembiayaan musyarakah pada Bank Syariah Mandiri (BSM) dari tahun 2010-2018 baik secara parsial maupun simultan. Populasi dalam penelitian ini adalah perbankan syariah yaitu Bank Syariah Mandiri (BSM) tahun 2010-2018 sebanyak 32 diambil secara purposive sampling. Data yang digunakan menggunakan data sekuder yang diperoleh dari laporan keuangan triwulan Bank Syariah Mandiri (BSM). Metode yang digunakan penelitian ini adalah dengan menggunakan metode uji asumsi klasik dimana uji Asumsi Klasik ini terdiri dari empat uji yaitu uji Normalitas, uji Multikolinieritas, uji Heterokedastisitas dan uji Autokorelasi selain menggunakan uji Asumsi Klasik, dalam penelitian ini juga menggunakan uji dengan analisis data dari analisis regresi linier berganda serta menggunakan uji t atau uji parsial dan uji F atau uji secara simultan maupun bersama-sama. Pada penelitian menggunakan jenis data yang bersifat kuantitatif. Hasil penelitian menunjukkan bahwa variabel yang berpengaruh terhadap pembiayaan musyarakah adalah variabel Financing To Deposit Ratio (FDR) dengan nilai P-value sebesar 0,000 dimana nilai ini lebih besar dari 0,05 dan nilai thitung sebesar -4,916 dimana nilai ini lebih besar dari nilai ttabel yaitu 2,0484 dan Dana Pihak Ketiga dengan nilai P-value sebesar 0,000 dimana nilai ini lebih besar dari 0,05 dan nilai thitung sebesar 4,559 lebih besar dari nilai ttabel yaitu 2,0484 sedangkan variabel yang tidak berpengaruh terhadap pembiayaan musyarakah adalah variabel Return On Asset (ROA) dengan nilai P-value 0,428 dimana nilai ini lebih besar dari 0,05 dan thitung lebih kecil dari ttabel dimana nilai thitung sebesar 0,805 dan nilai ttabel sebesar 2,0484 . Secara simultan seluruh variabel yaitu FDR, DPK dan ROA secara bersama-sama berpengaruh terhadap pembiayaan musyarakah pada Bank Syariah Mandiri (BSM) tahun 2010-2018 dengan nilai signifikansinya sebesar 0,000 dimana nilai sig tersebut lebih kecil dari 0,05 sedangkan nilai Fhitung lebih besar dari nilai Ftabel dimana nilai Fhitung sebesar 25,160 sedangkan nilai Ftabel sebesar 2.95. ABSTRACT This study aims to determine the effect of Financing To Deposit Ratio (FDR), Third Party Fund (DPK) and Return On Assets (ROA) on Musyarakah financing at Bank Syariah Mandiri (BSM) from 2010-2018 either partially or simultaneously. Population in this research is syariah banking that is Bank Syariah Mandiri (BSM) year 2010-2017 as many as 32 taken by purposive sampling. Data used using sekuder data obtained from quarterly financial report of Bank Syariah Mandiri (BSM). The method used in this research is using the classical assumption test method where the Classic Assumption test consists of four tests namely Normality test, Multicolinierity test, Heterocedasticity test and Autocorrelation test in addition to using Classic Assumption test, in this study also used the test with data analysis from analysis multiple linear regression and using t test or partial test and F test or test simultaneously or together. In the study using the type of data that is quantitative. The result of this research shows that the variable that influences the musyarakah financing is the Financing To Deposit Ratio (FDR) variable with P-value value of 0,000 which is bigger than 0,05 and the value of t-count is -4,916 where this value is bigger than ttable 2.0484 and Third Party Funds with a value of P-value of 0,000 where this value is greater than 0.05 and tcount value of 4.559 is greater than the value of ttable is 2.0484 while the variable that does not affect the musyarakah financing is the variable Return On Asset (ROA) with a value of P-value 0.428 where this value is greater than 0.05 and t count is smaller than ttable where the tcount value is 0.805 and the value of ttable is 2.0484. Simultaneously all variables that are FDR, DPK and ROA together effect on musyarakah financing at Bank Syariah Mandiri (BSM) year 2010-2018 with a significance value of 0,000 where the value of sig is smaller than 0.05 while the value of Fcount is greater than Ftable value where the value of Fcount equal to 25,160 while Ftable value equal to 2.95.

scholarly journals PEMBIAYAAN MURABAHAH PADA PERBANKAN SYARIAH DI INDONESIA

2020 ◽  
Vol 3 (1) ◽  
pp. 49-61
Author(s):  
Utami Puji Lestari ◽  
Fitri Dwi Jayanti
Keyword(s):  
Data Analysis ◽  
Linear Regression ◽  
Multiple Linear Regression ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Data Sources ◽  
Analysis Techniques ◽  
Descriptive Research ◽  
Capital Adequacy Ratio ◽  
Secondary Data Sources

AbstrakTujuan penelitian ini adalah untuk menguji apakahFee Based Income berpengaruh terhadap pembiayaan Murabahah, apakah Capital Adequacy Ratio berpengaruh terhadap pembiayaan Murabahah. Apakah Non Performing Financing berpengaruh terhadap pembiayaan Murabahah. Apakah Return On Asset berpengaruh terhadap pembiayaan Murabahah. Metode penelitian yang digunakan ialah penelitian deskriptif dengan sumber data sekunder. Teknik analisis data menggunakan regresi linier berganda. Hasil penelitian menunjukkan Fee Based Income berpengaruh terhadap pembiayaan Murabahah. Capital Adequacy Ratio tidak berpengaruh terhadap pembiayaan Murabahah. Non Performing Financing tidak berpengaruh terhadap pembiayaan Murabahah. Return On Asset tidak berpengaruh terhadap pembiayaan Murabahah.Kata Kunci :  Pembiayaan Murabahah, Fee Based Income, Fee Based Income, Capital Adequacy Ratio, Non Performing Financing, Return On AssetAbstractwhether the Capital Adequacy Ratio has an effect on Murabahah financing. Does Non Performing Financing affect Murabahah financing. Does Return On Asset have an effect on Murabahah financing. The research methods used are descriptive research with secondary data sources. Data analysis techniques use multiple linear regression.  The results of the study indicated that the Fee-Based Income affected the Murabahah Capital Adequacy Ratio Financing had no effect on Murabahah financing. Non Performing Financing has no effect on Murabahah financing. Return On Asset has no effect on Murabahah financing.Keywords : Murabahah financing, Fee Based Income, Fee Based Income, Capital Adequacy Ratio, Non Performing Financing, Return On Asset

scholarly journals Pengaruh Kinerja Keuangan dan Kebijakan Restrukturisasi Kredit pada Nilai Perusahaan Perbankan di Bursa Efek Indonesia

2021 ◽  
Vol 31 (6) ◽  
pp. 1494
Author(s):  
Putu Pryanka Chitta Surya ◽  
Made Gede Wirakusuma
Keyword(s):  
Data Analysis ◽  
Linear Regression ◽  
Firm Value ◽  
Sampling Method ◽  
Stock Exchange ◽  
Capital Adequacy ◽  
Financial Reports ◽  
Company Value ◽  
Analysis Technique ◽  
Capital Adequacy Ratio

This study aims to obtain empirical evidence of the effect of Non Performing Loans (NPL), Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), and credit restructuring policies on the value of banking firms on the Indonesia Stock Exchange. The research was conducted by analyzing quarterly financial reports published on the Indonesia Stock Exchange website which contained information on banking financial performance ratios, credit restructuring policies, and company value using the PBV method. The Sampling method uses purposive sampling method. The data analysis technique uses multiple linear regression. The results showed that NPL had a negative and significant effect on firm value, LDR had a positive and significant effect on firm value. CAR has a positive and significant effect on firm value. The Credit Restructuring Policy has a negative and significant effect on firm value. Keywords: Non Performing Loans; Loan to Deposit Ratio; Capital Adequacy Ratio; Credit Restructuring Policy; Company Value.

scholarly journals The Effect of Non-Performing Loans (NPL) and Capital Adequacy Ratio (CAR) on Profitability (ROA) at PT. Bank Central Asia (BCA), TBK

2020 ◽  
Vol 1 (3) ◽  
pp. 121-126
Author(s):  
Rita Anggriani ◽  
Puji Muniarty Muniarty
Keyword(s):  
Data Analysis ◽  
Linear Regression ◽  
Central Asia ◽  
Sampling Method ◽  
Total Sample ◽  
Capital Adequacy ◽  
Coefficient Of Determination ◽  
Return On Assets ◽  
Analysis Technique ◽  
Capital Adequacy Ratio

The purpose of this research is to find out and analyze whether there is an influence between Non Performing Loans and Capital Adequacy Ratio both partially and simultaneously on the Profitability (ROA) of PT. Bank Central Asia, Tbk. The approach taken in this research is associative and quantitative. The population of this study was all subjects at PT. Bank Central Asia (BCA), Tbk for 44 years, namely 1974-2018 with a total sample of 9 years, namely 2010-2018. The sampling method is a purposive sampling method. While the data analysis technique uses classical assumptions, multiple linear regression, hypothesis testing (t-test and F test) and the coefficient of determination. The results of this study prove that Non-performing Loans do not affect the Return On Assets. However, Capital Adequacy Ratio has a significant effect on Return On Asset. While simultaneously this study proves that Non-Performing Loans and Capital Adequacy Ratio affect the Return On Assets at PT. Bank Central Asia, Tbk.

scholarly journals ANALISIS ARUS TIGA FASA DAYA 197 KVA DENGAN MENGGUNAKAN METODE UJI NORMALITAS KOLMOGOROV-SMIRNOV

2021 ◽  
Vol 4 (2) ◽  
pp. 213-216
Author(s):  
Agus Pramono ◽  
Teppei Jordy L'ga Tama ◽  
Teguh Waluyo
Keyword(s):  
Data Analysis ◽  
Monitoring System ◽  
Current Distribution ◽  
Electricity Consumption ◽  
Test Method ◽  
Z Score ◽  
Phase Current ◽  
Normality Test ◽  
A Value ◽  
Kolmogorov Smirnov

It is necessary to make a monitoring system for the amount of electricity that includes voltage, current, power and the amount of electricity consumption. In this research, carried out in a building that has a 3-phase current with a power of 197 KVA. The analysis used the Kolmogorov-Smirnov normality test method. The Kolmogorov-Smirnov normality test compares the current distribution in the building with the current which is transformed into a Z-score form and is assumed to be normal. In the data analysis, the results of Asymp. Sig. (2-failed) has a value of 0.2. This, this shows the data has been normally distributed

scholarly journals FAKTOR PENENTU PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA (Pasca Peralihan Tugas Pengawasan Perbankan dari BI ke OJK)

2018 ◽  
Vol 1 (1) ◽  
pp. 53
Author(s):  
Fitra Rizal
Keyword(s):  
Linear Regression ◽  
Commercial Bank ◽  
Commercial Banks ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Islamic Banking ◽  
Banking Supervision ◽  
Return On Assets ◽  
Analysis Technique ◽  
Capital Adequacy Ratio

Abstract: This research was conducted to determine the determinants of profitability on Sharia Commercial Bank after the transfer of banking supervision duties from Bank Indonesia to the Otoritas Jasa Keuangan. The data used in this research are secondary data obtained from Islamic Banking Statistics published by the Otoritas Jasa Keuangan and Bank Indonesia.The analysis technique used is multiple linear regression using the classic assumption test first.The results of the analysis show that the regression equation used has passed the classic assumption test. This research proves that partially, only the Operational Expenses to Operational Revenue variables that affect Return on Assets of Islamic Commercial Banks in Indonesia for the 2015-2018 Period,while the variable Capital Adequacy Ratio and Inflation did not affect Return on Assets of Sharia Commercial Banks in Indonesia for the 2015-2018 period. And simultaneously the three variables have an effect on Return on Assets of Islamic Commercial Banks in Indonesia for the 2015-2018 Period. الملخص: تم إجراء هذا البحث لتحديد محددات ربحية البنك الاسلامي التجاري بعد انتقال مهام الإشراف المصرفي من بنك إندونسيا إلى هيئة الخدمات المالية البيانات المستخدمة في هذه الدراسة هي بيانات ثانوية تم الحصول عليها من إحصاءات المصرفية الإسلامية التي نشرتها هيئة الخدمات المالية وبنك أندونيسيا. الطريقة التحليلية المستخدمة هي الانحدار الخطي المتعدد باستخدام اختبار الافتراض الكلاسيكي أولاً. توضح نتائج التحليل أن معادلة الانحدار المستخدمة اجتازت اختبار الافتراض الكلاسيكي. تثبت هذه الدراسة أن جزئية،المصروفات التشغيلية لمتغير الإيرادات التشغيلية التي تؤثر على العائد على موجودات البنوك التجارية الإسلامية في إندونيسيا للفترة 2015-2018 ، أن متغير نسبة كفاية رأس المال والتضخم لا يؤثر على العائد على الأصول البنوك الإسلامية في إندونيسيا فترة 2015-2018.في وقت واحد, المتغيرات الثلاثة العائد على الأصول تأثير المصارف الإسلامية في إندونيسيا فترة 2015-2018Abtrak: Penelitian ini dilakukan untuk mengetahui faktor penentu profitabilitas Bank Umum Syariah pasca peralihan tugas pengawasan perbankan dari Bank Indonesia ke Otoritas Jasa Keuangan. Data yang digunakan dalam penelitian ini adalah data sekunder yang diperoleh dari Statistik Perbankan Syariah yang dipublikasikan oleh Otoritas Jasa Keuangan dan Bank Indonesia. Teknik analisis yang digunakan adalah regresi linier berganda dengan menggunakan uji asumsi klasik terlebih dahulu. Hasil analisis menunjukkan bahwa persamaan regresi yang digunakan telah lolos uji asumsi klasik. Penelitian ini membuktikan bahwa secara parsial, hanya variabel Operational Expenses to Operational Revenue yang berpengaruh terhadap Return on Asset Bank Umum Syariah di Indonesia Periode 2015-2018, sementara variabel Capital Adequacy Ratio dan Inflasi tidak berpengaruh terhadap Return on Asset Bank Umum Syariah di Indonesia Periode 2015-2018. Dan secara simultan ketiga variabel tersebut Berpengaruh terhadap Return on Asset Bank Umum Syariah di Indonesia Periode 2015-2018.

scholarly journals PEMBIAYAAN BAGI HASIL DAN FINANCING TO DEPOSIT RATIO (FDR) TERHADAP PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA

2021 ◽  
Vol 6 (2) ◽  
pp. 233-248
Author(s):  
Yana Fajriah ◽  
Edy Jumady
Keyword(s):  
Data Analysis ◽  
Linear Regression ◽  
Commercial Banks ◽  
Hypothesis Test ◽  
Secondary Data ◽  
Sampling Technique ◽  
Profit Sharing ◽  
Analysis Method ◽  
Production Sharing ◽  
Normality Test

This study aims to determine whether production sharing financing and fianancing to deposit ratio affect profitability. Data collection used secondary data and sample in the study using purposive sampling technique. The population is all Islamic commercial banks in Indonesia, amounting to 14 Islamic commercial banks, while the sample taken is 5 Islamic commercial banks. The number of samples has been tested using the classical assumption test in the form of normality test, multicolonierity test, heteroscedasticity test. The data analysis method uses multiple linear regression analysis.The results showed that the first hypothesis proposed was rejected because it showed the results of the hypothesis test of profit-sharing financing which did not have a significant effect on profitability (ROA), while the second hypothesis is rejected because the results of hypothesis testing indicate that the financing to deposit ratio has no significant effect on profitability (ROA).

scholarly journals Influence of Car, Ldr, Npl and Bopo on Roa on Commercial Banks Listed on the Indonesia Stock Exchange in 2010-2016

2020 ◽  
Vol 03 (12) ◽  
Author(s):  
Pandoyo . ◽  
Keyword(s):  
Regression Analysis ◽  
Commercial Banks ◽  
Stock Exchange ◽  
Secondary Data ◽  
Statistical Test ◽  
Capital Adequacy ◽  
Research Model ◽  
Prediction Ability ◽  
A Value ◽  
Capital Adequacy Ratio

This study aims to test how much influence Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Non Performing Loan (NPL), Operational Revenue Expense (BOPO) to ROA; how much influence the CAR, LDR, NPL and BOPO simultaneously against ROA at commercial banks listed on the Indonesia Stock Exchange 2010-2016. The data used is secondary data in the form of financial ratios with the amount of 140 observations. Sampling is done by purposive sampling with the number of 20 banks, namely the largest commercial banks listed on the Indonesia Stock Exchange in terms of assets position of December 2016. Statistical test of SPSS which is used to test classical assumptions and multiple regression analysis. The results showed that CAR had no effect on ROA with a value of 0.2%. LDR has no effect on ROA with a value of 1.4%. NPL has a negative and significant effect on ROA with a value of 25.7%. BOPO has a negative and significant effect on ROA with a value of 77.2%. Simultaneously CAR, LDR, NPL, and BOPO have a significant influence on ROA at commercial banks listed on the Stock Exchange in 2010-2016. The prediction ability of these four variables on ROA is 81.60%, while the rest is influenced by other factors outside the research model.

scholarly journals ANALISIS PENGARUH KECUKUPAN MODAL, EFISIENSI, LIKUIDITAS, NPL, DAN PPAP TERHADAP ROA BANK

2018 ◽  
Vol 14 (1) ◽  
pp. 1-18
Author(s):  
Krisna Hidajat
Keyword(s):  
Linear Regression ◽  
Least Square ◽  
Capital Adequacy ◽  
Ordinary Least Square ◽  
Normality Test ◽  
Capital Adequacy Ratio ◽  
Independent Variable ◽  
Multi Linear Regression ◽  
Level Of Significance ◽  
Research Period

This research  is performed  in order  to test the influence  of  the  variable, Capital Adequacy Ratio (CAR), Biaya Operasi terhadap Pendapatan Operasi (BOPO), Loan to Deposit Ratio (LDR), Non Performing Loan (NPL), and Pembentukan Penyisihan Aktiva Produktif (PPAP) toward Return on Asset (ROA).Methodology reseach as the sample used sensus. Sample was accuired 23 banking company listed in JSX over period 2010-2013. Data analysis with multi linear regression of ordinary least square and hypotheses test used t-statistic dan F-statistic at level of significance  5%, a classic assumption  examination  which consist  of data  normality  test,  multicolinierity  test,  heteroskedasticity  test  and autocorrelation test is also being done to test the hypotheses.During research  period show' as variable and data research was normal distributed.  Based  on  multicolinierity  test,  heteroskedasticity  test  and autocorrelation test classic assumption deviation has not founded, tihis indicate that the available data has fulfill  the condition to use multi linear regression model. Empirical evidence show as CAR. BOPO and LDR toward ROA banking listed in JSX over period 2010-2013  at level of significance less than 5% (as 0,01%,0,01% and 0,6% each). While,  two  independent  variable  NPL,  and PPAP  not influence toward R0A at level of significance more than 5% at 88,2% and 72,7%. Where it was proved that together this research is performed in order to test the influence  of the variable  CAR,  BOPO,  LDR,  NPL and PPAP  to have influence toward banking ROA in JSX at level less than 5% (with level of significance 0,05). Prediction capability from these seven variable toward ROA is 35,1% where the balance (64,9%) is affected to other factor which was not to be entered to research model. 

scholarly journals INFLUENCE OF THIRD-PARTY FUNDS, CAR, NPF AND FDR TOWARDS THE RETURN ON ASSETS OF ISLAMIC BANKS IN INDONESIA

2017 ◽  
Vol 14 (02) ◽  
pp. 135
Author(s):  
Risma Ayu Kinanti ◽  
Purwohandoko Purwohandoko
Keyword(s):  
Linear Regression ◽  
T Test ◽  
Capital Adequacy ◽  
Third Party ◽  
Islamic Banks ◽  
Return On Assets ◽  
Financial Report ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Negative Effect

The purpose of this research is to analyze the influence of third party funds, capital adequacy ratio (CAR), non performing financing (NPF) ,financing to deposit ratio (FDR) Of return on assets (ROA) during period of 2008-2013 syariah banks in indonesia. About 3 syariah banks in indonesia was taken as sample for this research. The data used for this research were obtained from the data of Quarterly Published Financial Report Period 2008 up to 2013. The analysis technique used is Linear Regression that aims for estimating the relationships among variables. The results of F test showing that Third Party Funds, CAR, NPF and FDR simultaneously influential to ROA. While The result of t-test showing Third Party and NPF has significant positif effect to ROA, CAR and FDR has a negative effect on ROA syariah banks in Indonesia.Keywords: ROA, Third Party Funds, CAR , NPF, FDR

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