scholarly journals Analisis Tingkat Bagi Hasil Mudharabah: di Tinjau dari Rasio Return on Assets (ROA), Financial to Deposit Ratio (FDR) dan Biaya Operasional dari Pendapatan Operasional (BOPO) (Studi pada Bank Umum Syariah di Indonesia Periode 2014-2018)

2020 ◽  
Vol 6 (2) ◽  
pp. 321
Author(s):  
Bayu Tri Cahya ◽  
Rikha Zakiyah ◽  
Rukmini Rukmini ◽  
Aryanti Muhtar Kusuma
Keyword(s):  
Regression Analysis ◽  
Data Analysis ◽  
Operating Cost ◽  
Total Sample ◽  
Profit Sharing ◽  
Islamic Banks ◽  
Return On Assets ◽  
Financial Reports ◽  
Operating Income

This study aims to determine the influence of return on assets (ROA), financing to deposit ratio (FDR), and Operating Cost from Operating Income of profit sharing rate for mudharabah deposits. The population in this study is 14 islamic banks in Indonesia and the total sample used is 7 islamic banks. Determination of the sample using nonprobability sampling with technique using purposive sampling with criteria for Islamic banks that issue quarterly financial reports in full in the year 2014-2018. The method of data analysis using multiple regression analysis with SPSS version 23. The results of this study indicate that the variable ROA and BOPO partially have a positive and significant influence on profit sharing rate for mudharabah deposits. While the variable FDR have a negative on profit sharing rate for mudharabah deposits.

scholarly journals Pengaruh Kinerja Keuangan terhadap Simpanan Dana Pihak Ketiga Melalui Nisbah Bagi Hasil (Studi Kasus Bank Umum Syariah di Indonesia Periode 2012-2015)

AKUNTABEL ◽  
2018 ◽  
Vol 14 (2) ◽  
pp. 129
Author(s):  
Ayu Annisa ◽  
Isna Yuningsih ◽  
Rusliansyah Rusliansyah
Keyword(s):  
Financial Performance ◽  
Revenue Sharing ◽  
Profit Sharing ◽  
Partial Least Square ◽  
Least Square ◽  
Capital Adequacy ◽  
Third Party ◽  
Return On Assets ◽  
Financial Reports ◽  
Operating Income

This study aims to determine the effect of the financial performance of third party funds through revenue sharing on Islamic banks during the period of the first quarter of 2012 until the second quarter 2015. The number of samples in this study are 7 companies, which are taken according to specific criteria banking company sharia is still registered during the observation period 2012-2015 which publishes quarterly financial reports during the study period Then hypothesis testing is done by using partial least square (PLS) 3.2.4. The results showed that a statistically significant effect on the financial performance of third party funds, financial performance significant effect on revenue sharing, profit sharing ratio did not significantly affect third-party funds and financial performance did not significantly affect third-party funds through revenue sharing.Keywords: Third-party funds, ratio of profit sharing, capital adequacy ratio (CAR), Non Performing Financing (NPF), Return on Assets (ROA), Operating Expenses Operating Income (ROA), and Financing to Deposit to ratio (FDR)

Analisis Faktor-Faktor Yang Mempengaruhi Jumlah Dana Pihak Ketiga Pada Bank Umum Syariah Di Indonesia (Periode Triwulan I 2010-Triwulan I 2015)

2017 ◽  
Vol 3 (10) ◽  
pp. 800
Author(s):  
Wardati Mumtazah ◽  
Dina Fitrisia Septiarini
Keyword(s):  
Regression Analysis ◽  
Panel Data ◽  
Quantitative Method ◽  
External Factor ◽  
Secondary Data ◽  
Profit Sharing ◽  
Islamic Banks ◽  
Internal Factors ◽  
Financial Reports ◽  
Analysis Technique

The purpose of this research is to know whether the internal factors of Islamic Banks (profit sharing and bonus and promotion cost), and external factor of Islamic Banks (inflation) have significant effect, both simultaneously and partially, to the amount of third-party’s funds Islamic Bank in 1st quarterly of 2010 – 1st quarterly of 2015 period. The method used in this research is quantitative method and also using the secondary data which obtained from financial reports and other reports started from in 1st quarterly of 2010 – 1st quarterly of 2015. The population is Islamic Banks in Indonesia. The choosing of sample was done with using sampling purposive method and there are 6 Islamic Banks that comply with the specified sample criteria. Analysis technique used is multiple linier regression analysis of panel data.

scholarly journals PENGARUH TINGKAT BAGI HASIL DAN BI RATE TERHADAP BESARNYA TABUNGAN MUDHARABAH PADA BANK SYARIAH PERIODE 2013-2018

2019 ◽  
Vol 7 (2) ◽  
pp. 121
Author(s):  
Falahuddin Falahuddin ◽  
Muchsal Mina
Keyword(s):  
Regression Analysis ◽  
Data Analysis ◽  
Linear Regression ◽  
Linear Regression Analysis ◽  
Secondary Data ◽  
Financial Statements ◽  
Multiple Linear Regression Analysis ◽  
Profit Sharing ◽  
Islamic Banks ◽  
Analysis Method

This study aims to analyze the Effect of Profit-Sharing Rate and BI Rate on the amount of Mudharabah Savings in Islamic Banks from 2013 to 2018. This study uses secondary data in the form of Islamic Bank financial statements accessed on www.idx.com. The data analysis method used is multiple linear regression analysis. The sample used in this study is 12 banks. The results show that the profit-sharing rate partially has a positive and significant effect on Mudharabah savings in Islamic banks in Indonesia, the BI rate has no effect on Mudharabah savings in Islamic banks in Indonesia. Simultaneously, the profit-sharing rate and BI rate have a positive and significant effect on Mudharabah savings in Islamic banks in Indonesia.

scholarly journals Faktor- Faktor yang Mempengaruhi Tingkat Bagi Hasil Deposito Mudharabah pada BMT Maslahah Se-Kabupaten Situbondo

2020 ◽  
Vol 19 (1) ◽  
pp. 61
Author(s):  
Yulinartati Yulinartati ◽  
Diyah Probowulan ◽  
Tara Ayu Adevia Putri
Keyword(s):  
Interest Rates ◽  
Sample Selection ◽  
Profit Sharing ◽  
Capital Adequacy ◽  
Islamic Banks ◽  
Return On Assets ◽  
Operating Income ◽  
Operational Costs ◽  
Capital Adequacy Ratio ◽  
Negative Effect

The level of profit sharing provided by Islamic banks is one of the public's attractions to store funds in Islamic banks, but at the profit sharing level. Because it still refers to conventional bank interest rates, people still think that Islamic banks are the same as conventional banks. This study aims to analyze the factors that influence the level of profit sharing of mudharabah deposits at BMT Maslahah in Situbondo Regency. The population used is the annual financial statements in the 5 Sub-District Regencies of Situbondo 2014-2019. The sample selection tested in this study used SPSS 20.0 software. Variables used in this study are Return on Assets (ROA), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposits Ratio (FDR), BOPO (Operational Costs Operating Income). As an independent variable, and the level of profit sharing of mudharabah deposits as the dependent variable. Some of the results show that the Return on Assets (ROA), Financing to Deposits Ratio (FDR) have a positive effect on the profit sharing rate of mudharabah deposits while Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), BOPO (Operational Cost of Operating Income) has a negative effect . Keywords: Return on Assets (ROA), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposits Ratio (FDR), BOPO (Operational Costs, Operating Income, Profit Sharing Rate for Mudharabah Deposits).

scholarly journals ANALISIS KINERJA KEUANGAN BANK UMUM KONVENSIONAL DENGAN ASET TERENDAH DI INDONESIA PERIODE 2014-2017

2019 ◽  
Vol 23 (1) ◽  
pp. 19-28
Author(s):  
Jefri Thomi da Costa Boreel ◽  
Mintarti Ariani ◽  
Bambang Budiarto
Keyword(s):  
Regression Analysis ◽  
Data Analysis ◽  
Commercial Banks ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Operating Income ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Interest Margin

This research aims to analyze the payback or Return on Assets (ROA) which has very significant effect against the Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Net Performing Loan (NPL), Net Interest Margin (NIM), and operatingexpenses against the operating income (BOPO). This research uses population of 13 commercial banks with the lowest accounting assets in Indonesia for 2014-2017 period. In this research, the secondary data is taken in the form of the financialstatements of the bank starting from 2014 until 2017. Technique of data analysis in this study uses regression analysis panel where Return on Asset (ROA) as its dependent variabel and the Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Net Performing Loan (NPL), Net Interest Margin (NIM), and operating expenses against operating income (BOPO) as its independent variabel. The results of this research provide evidence that Net Performing Loan (NPL), Net Interest Margin (NIM), and operating expenses against the operating income (BOPO) partially have significant influence towards Return on Asset (ROA) on 13 commercial banks, while Loan to Deposit Ratio (LDR), and the Capital Adequacy Ratio (CAR) partially do not havesignificant influence towards Return on Asset (ROA).

scholarly journals PENGARUH PEMBIAYAAN MUSYARAKAH TERHADAP PROFITABILITAS PADA BANK UMUM SYARIAH (BUS) PERIODE 2015-2017

2019 ◽  
Vol 3 (2) ◽  
Author(s):  
Lucy Auditya ◽  
Lufika Afridani
Keyword(s):  
Data Analysis ◽  
Commercial Banks ◽  
Secondary Data ◽  
Financial Statements ◽  
Islamic Banks ◽  
Simple Linear Regression ◽  
Return On Assets ◽  
Financial Reports ◽  
Return On Equity ◽  
Analysis Technique

The purpose of this study was to determine the effect of musyarakah financing on profitability in Sharia Commercial Banks in Indonesia for the 2015-2017 period and to find out how much influence musyarakah financing had on profitability in sharia commercial banks for the period 2015-2017. The limitation of the problem of this research is on the profitability of financial ratios ROA (Return On Assets) and ROE (Return On Equity). To disclose these issues in depth and thoroughly, researchers used a quantitative approach with secondary data collection techniques in the form of financial statements of each sharia bank for three consecutive years and provided quarterly financial reports, obtained by 5 Islamic banks to obtain 60 data. The data analysis technique used is simple linear regression using the SPSS version 16. Then the data is described, analyzed and discussed to answer the problems raised. From the results of the study it was found that musyarakah financing had a significant effect on ROA at alpha 5%. This is evidenced by the significance value (Sig.) (0.002) <(α) 0.05. While musyarakah financing has no significant effect on ROE at alpha 5%. This is evidenced by the significance value (Sig.) (0.669)> (α) 0.05.

scholarly journals ANALISIS PENGARUH RASIO BOPO, LOAN TO DEPOSIT RATIO, DAN PROFITABILITAS TERHADAP NILAI PERUSAHAAN (Studi Empiris Pada Perusahaan Perbankan yang Terdaftar di Bursa Efek Indonesia)

2021 ◽  
Vol 5 (1) ◽  
pp. 106-117
Author(s):  
Rizqi Nugraheni Utami
Keyword(s):  
Regression Analysis ◽  
Data Analysis ◽  
Firm Value ◽  
Stock Exchange ◽  
Sampling Technique ◽  
Operating Income ◽  
Analysis Technique ◽  
Negative Effect ◽  
Positive Effect

The value of the company is one of the considerations of investors before deciding to provide funds to the company. This study aims to determine the effect of the ratio of Operating Expenses on Operating Income (BOPO), Loan to Deposit Ratio (LDR), and profitability on firm value. The population of this study are banking companies listed on the Indonesia Stock Exchange (IDX) for the 2017-2019 period. The sample companies in this study amounted to 34 banking companies and the determination of the sample used purposive sampling technique. This study uses a quantitative approach. The data analysis technique used is multiple regression analysis which was previously tested with the classical assumption test. The data was processed using SPSS 25. The results of this study indicate that, (1) BOPO has a negative effect on firm value, this is indicated by a significant value of 0.005 which means it is smaller than = 0.05 with a coefficient value of -0.117. (2) LDR has a positive effect on firm value, this is indicated by a significant value of 0.003 which means it is smaller than = 0.05 with a coefficient value of 0.524. (3) profitability has a positive effect on firm value, this is indicated by a significant value of 0.014 which means it is smaller than = 0.05 with a coefficient value of 0.206.

scholarly journals PENGARUH NON PERFORMING LOAN (NPL) TERHADAP PROFITABILITAS

2017 ◽  
Vol 1 (2) ◽  
pp. 111
Author(s):  
Silviana Agustami ◽  
Antoni Moris Wirekso
Keyword(s):  
Regression Analysis ◽  
Data Analysis ◽  
Essential Elements ◽  
Financial Statement ◽  
Analysis Method ◽  
Minimum Standard ◽  
Return On Assets ◽  
The Public ◽  
High Category

Profitability is one of the essential elements in the process of assessing performance in banking finance. Bank needs to keep its profitability to maintain the continuity of its corporation. In the process of attaining income and making profit, a bank commonly does many efforts. One of them is through offering the credits to the public. However, in fact, credit which becomes the basis to run the company has the risk of failure when the clients/ debtors have to pay the loan back on its deadline/ Non Performing Loan (NPL). The objective of this study is to find out whether NPL influences negatively or not towards the bank profitability.This study employed the basic regression analysis method through linearity and normality tests. The data used is the financial statement of PT. Bank OCBC NISP, Tbk in 2002 until 2010 published by Bank Indonesia.Based on the revealed elaboration and the data analysis about the influence of NPL towards profitability, it can be concluded that the condition of Non-Performing Loan (NPL) in PT. Bank OCBC NISP, Tbk is good in general since it is still below the NPL value regulated by Bank Indonesia which is 5%. Meanwhile, the profitability based on the return on assets (ROA) in PT. Bank OCBC NISP tends to be below the minimum standard which is 1,5%, but it is classified in high category in the framework of performance determination of banking finance governed by Bank Indonesia. In PT. Bank OCBC NISP, Tbk, Non-Performing Loan (NPL) influences negatively towards profitability.

PENGARUH BUDAYA KERJA, KEPEMIMPINAN, DISIPLIN KERJA DAN KOMPENSASI TERHADAP KINERJA KARYAWAN PT. KAI DAOP 5 PURWOKERTO

2017 ◽  
Vol 3 (1) ◽  
pp. 87-100
Author(s):  
Karsono , ◽  
Denok Kurniasih ◽  
Dyah Retna Puspita
Keyword(s):  
Regression Analysis ◽  
Data Analysis ◽  
Sample Size ◽  
Multiple Regression Analysis ◽  
Compensation Effect ◽  
Employee Performance ◽  
Primary Data ◽  
Work Culture ◽  
Study Population

Abstract: Employee performance is very important for an organization to achieve its goals. This study aims to analyze the influence of work culture, on employee performance, leadership on employee performance, work discipline on employee performance, compensation on employee performance and work culture, leadership, work discipline, compensation on employee performance at PT. KAI Daop 5 Purwokerto. The study population is all employees of PT. KAI Daop 5 Purwokerto as many as 623 employees. Determination of sample size with Slovin formula obtained by 86 respondents. The data used is the primary data obtained from the questionnaires distributed to respondents.Tehnik data analysis used is a quantitative approach. The data of the research were analyzed using multiple regression analysis. The results showed that: Work culture affect the performance of employees means that if the work culture increases then the performance of employees will increase. Leadership affects the performance of employees means that if the existing leadership is conducive to work then the performance of employees will increase, work discipline does not affect the performance of employees means employees who discipline work high and employees who work discipline less have the same performance height, Compensation effect on the performance of meaning if the compensation increases then employee performance will increase, work culture, leadership, work discipline and compensation together affect the employee's performance, meaning that if work culture, leadership, work discipline and compensation together increase the employee performance will increase. Keywords: Working Culture, Leadership, Work Discipline, Compensation, Employee Performance. Abstrak: Kinerja pegawai merupakan hal yang sangat penting bagi organisasi untuk mencapai tujuannya. Penelitian ini bertujuan untuk menganalisis pengaruh budaya kerja, terhadap kinerja pegawai, kepemimpinan terhadap kinerja pegawai, disiplin kerja terhadap kinerja pegawai, kompensasi terhadap kinerja pegawai dan budaya kerja, kepemimpinan, disiplin kerja, kompensasi terhadap kinerja pegawai di PT. KAI Daop 5 Purwokerto. Populasi penelitian adalah semua karyawan PT. KAI Daop 5 Purwokerto sebanyak 623 orang karyawan. Penentuan ukuran sampel dengan rumus Slovin diperoleh sampel sebanyak 86 responden. Data yang digunakan adalah data primer yang diperoleh dari kuisioner yang dibagikan kepada responden.Tehnik analisis data yang digunakan adalah pendekatan kuantitatif. Data hasil penelitian dianalisis menggunakan analisis regresi berganda. Hasil penelitian menunjukkan bahwa: Budaya kerja berpengaruh terhadap kinerja pegawai artinya apabila budaya kerja meningkat maka kinerja karyawan akan meningkat. Kepemimpinan berpengaruh terhadap kinerja pegawai artinya apabila kepemimpinan yang ada sangat kondusif untuk bekerja maka kinerja karyawan akan meningkat, Disiplin kerja tidak berpengaruh terhadap kinerja pegawai artinya pegawai yang disiplin kerjanya tinggi dan pegawai yang disiplin kerjanya kurang memiliki kinerja yang sama tingginya, Kompensasi berpengaruh terhadap kinerja artinya apabila kompensasi meningkat maka kinerja karyawan akan meningkat, Budaya kerja, kepemimpinan, disiplin kerja dan kompensasi secara bersama-sama berpengaruh terhadap kinerja pegawai, artinya apabila budaya kerja, kepemimpinan, disiplin kerja dan kompensasi  secara bersama-sama mengalami peningkatan maka kinerja karyawan akan meningkat. Kata Kunci:  Budaya Kerja, Kepemimpinan, Disiplin Kerja, Kompensasi, Kinerja   Pegawai.

scholarly journals The Relationship between Liquidity and Firms’ Profitability: A Case Study of Karachi Stock Exchange

2017 ◽  
Vol 9 (1) ◽  
pp. 54 ◽  
Author(s):  
Nazish Bibi ◽  
Shehla Amjad
Keyword(s):  
Regression Analysis ◽  
Stock Exchange ◽  
Negative Relationship ◽  
Return On Assets ◽  
Current Ratio ◽  
Factors Affecting ◽  
Operating Income ◽  
Secondary Sources ◽  
Individual Variables ◽  
The Relationship

The purpose of this paper is to investigate the relationship between firm’s liquidity and profitability; and to find out the effects of different components of liquidity on firms’ profitability.The relationship between liquidity and firms’ profitability is empirically examined by collecting the data of 50 listed firms of Karachi Stock Exchange, Pakistan. Panel data has been collected from secondary sources for the year 2007 to 2011 .Net operating income and Return on assets are used measure of firm’s profitability. Liquidity of the firm is measured by using cash gap in days and current ratio. Firm size measured by net sales, total assets and market capitalization .The study applies regression analysis to determine factors affecting profitability. Incremental tests are carried out to see the importance of individual variables in the model.The results of correlation and regression analysis showed that there is a significant negative relationship between cash gap and return on assets while current ratio has significant positive relationship with profitability. Results further indicate that log of sales and log of total assets has positive significant relationship with profitability. The findings of this study are based on firms listed on the Karachi Stock Exchange (KSE). Hence, the results cannot be generalizable to those firms which are not listed on Karachi stock exchange. The sample of the study comprises only the merchandising and manufacturing firms. Banks are excluded due to their nature of work.

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