The Determination Of Credit Distribution: A Case Study Of Rural Credit Banks In Indonesia

The credit distribution is a vital banking intermediation functions in which banks serve as intermediaries for debtors and creditors. Credit distribution to customers is dependent upon internal and external factors. This research is conducted to examine the influence of internal and external factors on credit distribution at Indonesian’s rural credit banks in particular rural credit banks in Java and Sumatra. The data used in this study are a financial report of rural credit banks in Java and Sumatera from the period 0f 2014-2016 accessed from Bank Indonesia’s website. Inflation data obtained from the Central Bureau of Statistics. This study applies a panel regression model with the common effect model as the best model. The results of the study show that inflation is the single external factor that influences the distribution of assets in BPR, while interest rates (Bank Indonesia’s certificates) do not affect credit distribution. Meanwhile, internal factors which include Operational Costs to Operating Income, third-party funds, Capital Adequacy Ratio, concurrently affect credit distribution in rural credit banks in Indonesia, especially Java and Sumatra.

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Effect of Internal and External Factors on Profitability in Sharia Business Units (UUS) PT. Bank Tabungan Negara (Persero) Tbk

Indonesian Journal of Economics Social and Humanities ◽

10.31258/ijesh.3.2.65-83 ◽

2021 ◽

Vol 3 (2) ◽

pp. 65-83

Author(s):

Wahyudi Gusti Antony ◽

Harlen Harlen ◽

Yusni Maulida

Keyword(s):

Interest Rates ◽

Intellectual Capital ◽

External Factors ◽

Internal Factors ◽

Financial Report ◽

Analysis Techniques ◽

Independent Variables ◽

Business Units ◽

Internal And External Factors ◽

Research Period

This study studied to analyze the factors that influence the ROA at the UUS Bank BTN seen from internal factors as well as from external banks. Related to internal bank factors, namely Non Performing Financing (NPF), and Intellectual Capital, and bank external factors which contain Inflation, and Bank Indonesia Interest Rates. The research period from 2006 to 2017. The data used was obtained from the Annual Publication Financial Report with data collection techniques by means of coordination, so that the research data sample was 12. Data analysis techniques used were multiple linear regression. The results of the study show that all variables, namely NPF, Intellectual Capital, Inflation, and Interest Rate of Bank Indonesia affect ROA simultaneously. Partial inflation, and Bank Indonesia interest rates do not affect the temporary ROA of NPF, and intellectual capital influences ROA significantly. From independent independent variables that oppose the submission of opinions on the ROA owned by NPF which has the greatest influence with a coefficient of -0,353338%. Next Intellectual Capital with a coefficient of 0,107804%.

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Analysis of Factors Affecting Financial Performance of BUKU 3 Banks with Growth of Third Party Funds as Moderating Variable

International Journal of Research and Review ◽

10.52403/ijrr.20211283 ◽

2021 ◽

Vol 8 (12) ◽

pp. 686-694

Author(s):

Rasmi Naibaho ◽

Azhar Maksum ◽

Rujiman .

Keyword(s):

Financial Performance ◽

Board Of Directors ◽

Capital Adequacy ◽

Third Party ◽

Operating Expense ◽

Factors Affecting ◽

Operating Income ◽

Net Interest Margin ◽

Capital Adequacy Ratio ◽

The Relationship

The purpose of this study was to determine and analyze the factors affecting financial performance of BUKU 3 banks with growth of third party funds as moderating variable. This study uses a causality research design. The population in this study is the Banking Service Industry Company which is all Banking Companies listed on the Indonesia Stock Exchange which consists of 46 Banks. The year of observation is 2010-2020. 12 Banking Companies that have met the requirements with 11 years of research in order to obtain 132 observations. In this research, the technical analysis used is panel data regression analysis technique. The results showed that capital adequacy ratio has no effect on financial performance. Operating expense to operating income has a negative effect on financial performance. Net interest margin has a positive effect on financial performance. Non performing loan has no effect on financial performance. Loan to funding ratio has no effect on financial performance. Minimum statutory reserve has no effect on financial performance. Female board of directors has no effect on financial performance. Third party funds cannot moderate the relationship between capital adequacy ratio and financial performance. Third party funds can moderate the relationship between operating expense to operating income on financial performance. Third party funds cannot moderate the relationship between net interest margin and financial performance. Third party funds cannot moderate the relationship between non performing loan and financial performance. Third party funds cannot moderate the relationship between loan to funding ratio and financial performance. Third party funds cannot moderate the relationship between minimum statutory reserve and financial performance. Third party funds can moderate the relationship between female board of directors and financial performance. Keywords: Financial Performance, Growth, Funds.

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PENGARUH VARIABEL MAKROEKONOMI TERHADAP DANA PIHAK KETIGA BANK UMUM SYARIAH DI INDONESIA

Jurnal Muara Ilmu Ekonomi dan Bisnis ◽

10.24912/jmieb.v4i1.7299 ◽

2020 ◽

Vol 4 (1) ◽

pp. 164

Author(s):

Muhammad Dzulfaqori Jatnika

Keyword(s):

Interest Rates ◽

Commercial Banks ◽

Random Effect ◽

Random Effect Model ◽

Least Square ◽

Third Party ◽

Ordinary Least Square ◽

Effect Model ◽

Per Capita ◽

The Right

Tujuan penelitian ini adalah menganalisis pengaruh faktor makroekonomi yaitu nilai tukar, inflasi, suku bunga, dan GDP per kapita terhadap dana pihak ketiga di bank umum Syariah. Penelitian ini merupakan penelitian kuantitatif dengan data sekunder yang berupa data panel. Teknik analisis yang digunakan adalah metode analisis linier berganda Ordinary Least Square (OLS). Hasil uji Hausman menunjukan model yang tepat dalam penelitian ini adalah random effect model. Semua variabel signifikan, variabel inflasi dan nilai tukar memiliki pengaruh positif sedangkan variabel suku bunga dan GDP per kapita memiliki pengaruh yang negatif terhadap dana pihak ketiga di bank umum Syariah. Hasil penelitian ini memiliki implikasi bagi para pelaku usaha perbankan untuk menentukan waktu yang tepat dalam menarik dan menyalurkan dana pihak ketiga dari masyarakat. Dan dapat menjadi acuan untuk mengeluarkan kebijakan terkait bisnisnya. Dan bagi peneliti selanjutnya dapat menjadi acuan untuk mengembangkan kembali penelitian berikutnya. Pada penelitian selanjutnya diharapkan dapat menambah variabel-variabel terkait lainnya selain variabel yang telah diteliti dalam penelitian ini. Kebaruan dalam penelitian ini adalah tambahan variabel yang mempengaruhi dana pihak ketiga dan juga tambahan sampel bank umum Syariah sehingga diharapkan penelitian ini lebih mendalam daripada penelitian sebelumnya. The purpose of this study is to analyze the influence of macroeconomic factors, namely the exchange rate, inflation, interest rates, and GDP per capita on third party funds in Islamic commercial banks. This research is a quantitative study with secondary data in the form of panel data. The analysis technique used is the Ordinary Least Square (OLS) multiple linear analysis method. The Hausman test results showed the right model in this study was the random effect model. All variables are significant, inflation and exchange rates have a positive effect while interest rates and GDP per capita have a negative effect on third-party funds in Islamic commercial banks. The results of this study have implications for banking businesses to determine the right time in attracting and channelling third party funds from the public. And can be a reference for issuing policies related to business. And for further researchers can be a reference to develop further research. In the next research, it is expected to be able to add other related variables besides the variables that have been examined in this study. The novelty in this study is the addition of variables that affect third party funds and also additional samples of Islamic commercial banks so that this research is expected to be more in-depth than previous research.

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Analysis of Effects of Service Quality and Loyalty on Interest Rates of Basketball Athletes in Sahabat Basketball Club Yogyakarta

HOLISTICA – Journal of Business and Public Administration ◽

10.2478/hjbpa-2020-0025 ◽

2020 ◽

Vol 11 (2) ◽

pp. 151-160

Author(s):

Kukuh Hardopo Putro ◽

Mohd Salleh Aman ◽

Keyword(s):

Interest Rates ◽

Random Sampling ◽

External Factors ◽

Major Influence ◽

Qualitative And Quantitative ◽

Analysis Techniques ◽

Using Data ◽

Internal And External Factors ◽

The Cost ◽

Customer Trust

AbstractIn business, especially basketball experience an increased very rapidly, both in terms of quality and quantity in Yogyakarta. Customer as the facilities and services the user pays the cost, much influenced by several internal and external factors. These factors have a major influence on the process of the customer to pay a fee to join and dues in Basketball Clubs. This type of research is descriptive with mixed qualitative and quantitative approach, population in this study is the Athlete Club Basketball “Sahabat” of Yogyakarta, with the number of 20 people, the study sample was determined by random sampling. The technique of collecting data using questionnaires. SPSS.21 using data analysis techniques. While looking at the level of loyalty of respondents to the basketball club Yogyakarta “Sahabat”, 13 of 20 respondents said well (65%) and 7 respondents (35%) had middle loyalty. So from this study showed that customer trust is strongly influenced by the good facilities, appropriate tariffs, staff were nice, the service was very good, and therefore in this study obtained very significant results to customer satisfaction or athletes in the Club Basketball “Sahabat” of Yogyakarta.

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

AKUNTABEL ◽

10.29264/jakt.v14i2.1907 ◽

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)

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The Effect of Bank Liquidity and Efficiency on Non-Interest Income with National Income as Variables Moderator

Budapest International Research and Critics Institute (BIRCI-Journal) Humanities and Social Sciences ◽

10.33258/birci.v4i1.1680 ◽

2021 ◽

Vol 4 (1) ◽

pp. 797-805

Author(s):

Dadang Agus Suryanto ◽

Disman Disman ◽

Nugraha Nugraha ◽

Ika Putera Waspada ◽

Sugiyanto Sugiyanto

Keyword(s):

Financial Crisis ◽

Interest Rates ◽

Influence Factors ◽

National Income ◽

Market Concentration ◽

Capital Adequacy ◽

Third Party ◽

Bank Efficiency ◽

Interest Income ◽

Data Collection Technique

Empirically, non-interest income from banks in Indonesia has increased in the last five years. Apart from being caused by efficiency issues and the level of risk in interest income, the increase in non-interest income was due to the proliferation of electronic-based banking services. In an effort to understand the influence factors on non-interest income, this study examines the effect of market concentration on third party funds, credit market concentration, capital adequacy, bank liquidity, bank efficiency, non-performing loans, leverage, and reference interest rates on non-interest income. In addition, testing the effect of bank and macroeconomic characteristics variables on non-interest income with national income as a moderating variable and the effect of bank and macroeconomic characteristics on non-interest income with inflation as a moderating variable. This research uses descriptive methods and causality. The research was conducted at conventional National Commercial Banks in Indonesia, which is divided into the periodization of the financial crisis era, namely 2006-2011 and post-financial crisis, namely 2012-2017. The data collection technique used by researchers is the documentation method. The data analysis technique was performed using unbalance panel data regression analysis. The results showed that bank liquidity and bank efficiency had a significant effect.

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Risks Of Sharia Commercial Bank In Indonesia: Analysis Of Internal And External Factors

AL-ARBAH: Journal of Islamic Finance and Banking ◽

10.21580/al-arbah.2019.1.1.4137 ◽

2019 ◽

Vol 1 (1) ◽

pp. 81-94

Author(s):

Erlinda Kurnia Aufa ◽

Cita Sary Dja'akum

Keyword(s):

Commercial Bank ◽

Commercial Banks ◽

Fixed Effects ◽

External Factors ◽

Capital Adequacy ◽

Research Approach ◽

Fixed Effects Model ◽

Significant Negative Effect ◽

Negative Effect ◽

Internal And External Factors

Purpose - This study aims to analyze the effect of inflation, gross domestic product (GDP), capital adequacy ratio (CAR), and financing to deposit ratio (FDR) to non performing financing (NPF) at Islamic Commercial Banks in Indonesia.Method - The research approach used is a quantitative approach. Determination of samples is done by purposive sampling method. The data used is secondary data, obtained from publication reports on the official website of each Sharia Commercial Bank, Bank Indonesia, and the Central Statistics Agency. The population in this study were all Islamic Commercial Banks registered in the Statistics of Islamic Banking in Indonesia for the period 2013-2017. Based on the specified criteria, five Sharia Commercial Banks were obtained as research samples. This study uses panel data regression analysis with the Fixed Effects Model approach which is processed through the Eviews 10 program.Result - The results of hypothesis testing show that partially Inflation has a positive but not significant effect on NPF, GDP has a significant negative effect on NPF, CAR has a negative but not significant effect on NPF, and FDR has a significant negative effect on NPF. Simultaneously inflation, GDP, CAR, and FDR have a significant effect on NPF.Implication - This study uses all data from commercial Islamic bank.Originality - This study analyzes the determining factors that influence financing risks from both internal and external factors.

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ANALISIS FAKTOR-FAKTOR INTERNAL YANG MEMPENGARUHI PEMBIAYAAN USAHA MIKRO KECIL DAN MENENGAH (UMKM) PADA BANK SYARIAH DI INDONESIA

Jurnal Riset Keuangan Dan Akuntansi ◽

10.25134/jrka.v2i1.444 ◽

2016 ◽

Vol 2 (1) ◽

Author(s):

Risna Destiana

Keyword(s):

Time Series ◽

Economic Development ◽

External Factors ◽

The Other ◽

Third Party ◽

Business Unit ◽

Limited Data ◽

Internal Factors ◽

Regression Test ◽

Internal And External Factors

It is a fact that the UMKM’s are resistant due to monetary crisis in Indonesia. It proves UMKM’s significant and important roles of the economic development in establishing employment, improving National Gross Domestic Product and developing national industries. Because of these potentials of UMKM’s, banks should provide assistantships by providing their loan as financial aids. It is however, influenced by some factors such as internal and external factors. The aim of this research was to analyze the influence of internal factors which refers to internal bank condition such as third party funds (DPK), capitals, profitability, risk and liquidity toward UMKM’s at syaria banking in Indonesia. The data of the study were taken from general syaria bank (BUS) and syaria business unit (UUS) which were provided in the syaria banking statistic from Indonesian central bank (official website of BI) from 2008 up to Juni 2013. Due to the limited data provided in syaria banking statistic, the 2008 and 2009 data were three-monthly: March, June, September and December while the 2010 to Juni 2013 data were monthly. Thus, there were 50 time series of observation. The data were analyzed by using regression provided in 17.0 ver. SPSS. The result of regression test shows that internal factors which significantly influenced UMKM’s finance at syaria banking were the DPK and liquidity, whereas the other factors such as the capital, profit and risk had no significance on the financing UMKM’s.

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Risks Of Sharia Commercial Bank In Indonesia: Analysis Of Internal And External Factors

AL-ARBAH: Journal of Islamic Finance and Banking ◽

10.21580/al-arbah.v1i1.4137 ◽

2019 ◽

Vol 1 (1) ◽

pp. 81

Author(s):

Erlinda Kurnia Aufa ◽

Cita Sary Dja'akum

Keyword(s):

Commercial Bank ◽

Commercial Banks ◽

Fixed Effects ◽

External Factors ◽

Capital Adequacy ◽

Research Approach ◽

Fixed Effects Model ◽

Significant Negative Effect ◽

Negative Effect ◽

Internal And External Factors

Purpose - This study aims to analyze the effect of inflation, gross domestic product (GDP), capital adequacy ratio (CAR), and financing to deposit ratio (FDR) to non performing financing (NPF) at Islamic Commercial Banks in Indonesia.Method - The research approach used is a quantitative approach. Determination of samples is done by purposive sampling method. The data used is secondary data, obtained from publication reports on the official website of each Sharia Commercial Bank, Bank Indonesia, and the Central Statistics Agency. The population in this study were all Islamic Commercial Banks registered in the Statistics of Islamic Banking in Indonesia for the period 2013-2017. Based on the specified criteria, five Sharia Commercial Banks were obtained as research samples. This study uses panel data regression analysis with the Fixed Effects Model approach which is processed through the Eviews 10 program.Result - The results of hypothesis testing show that partially Inflation has a positive but not significant effect on NPF, GDP has a significant negative effect on NPF, CAR has a negative but not significant effect on NPF, and FDR has a significant negative effect on NPF. Simultaneously inflation, GDP, CAR, and FDR have a significant effect on NPF.Implication - This study uses all data from commercial Islamic bank.Originality - This study analyzes the determining factors that influence financing risks from both internal and external factors.

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What Most Influence on Non-Performing Loan in Indonesia? Bank Accounting Perspective with Mars Analysis

Journal of Accounting and Strategic Finance ◽

10.33005/jasf.v3i2.85 ◽

2020 ◽

Vol 3 (2) ◽

pp. 136-153

Author(s):

Nanang Shonhadji

Keyword(s):

Gross Domestic Product ◽

Exchange Rates ◽

Interest Rates ◽

Capital Adequacy ◽

Operating Costs ◽

Domestic Product ◽

Credit Growth ◽

Operating Income ◽

Capital Adequacy Ratio ◽

Private Banks

The research objective is to examine factors that affect non-performing loans at conventional private banks in Indonesia. These factors include growth in gross domestic product, interest rates, currency exchange rates, exports, credit growth, inflation, return on asset, operating costs to operating income, and the capital adequacy ratio. The sample used in this study was conventional private banks listed on the Indonesia Stock Exchange 2014-2019. Data analysis techniques using Multivariate adaptive regression spline (MARS). The study results inform an influence between the predictor variables and the response variables based on functions in the model. The variables that affect non-performing loans are credit growth, exchange rates, inflation, capital adequacy ratio, return on asset, operating costs to operating income, and interest rates. In contrast, gross domestic product growth and export growth in this study do not affect non-performing loans in conventional private banks. The MARS model has informed that the most influential variable on non-performing loans is credit growth. Banking authorities need to control lending by applying credit risk management and regulating the quality of credit loans to contribute to the results in this study.

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