The Impact of Third Party Payment on Commercial Banks

The study aims to analyze the impact of capital adequacy ratio, non-performing loan, third party fund on loan to deposit ratio of the private banks in Bandar Lampung. The sample used in this research were obtained from six private banks in Bandar Lampung. Data obtained based on financial statements Annual Report of Indonesia stock Exchange (IDX) from 2009 to 2014. The method used in this research is the dependent variable and independent, multiple regression analysis and Classical Assumption. Variable used Capital Adequacy Ratio (CAR), Nonperforming Loan (NPL), and Third-Party Fund (DPK) on Loan to Deposit Ratio (LDR). Based on the result of the research showed that the F variable CAR, NPL, and DPK together influential significantly to Loan to Deposit Ratio. The Result of partial T-test CAR negatively influential and significant with significant value is 0.007. NPL is not positively influential and not significant on LDR with significant value is 0,277 while DPK has positive influential and significant value is 0,005. The value of Adjusted R Square the value is 0.266 showed that LDR can explain by variables research as big as 26,6 %, while the rest can be explained by other factors.

Download Full-text

The Influence of Internet Finance on Commercial Banks and Countermeasures—the Impact of Third Party Payment on Commercial Banks

DEStech Transactions on Economics Business and Management ◽

10.12783/dtem/emem2017/17078 ◽

2017 ◽

Author(s):

De-Yu CHEN

Keyword(s):

Commercial Banks ◽

Third Party ◽

Internet Finance ◽

The Impact

Download Full-text

Performance analysis of sharia commercial banks in Indonesia before the covid pandemic period (2015-2019)

International Journal of Research in Business and Social Science (2147-4478) ◽

10.20525/ijrbs.v10i2.1010 ◽

2021 ◽

Vol 10 (2) ◽

pp. 228-237

Author(s):

Erna Handayani ◽

Alni Rahmawati ◽

Naelati Tubastuvi ◽

Ira Hapsari

Keyword(s):

Credit Risk ◽

Commercial Banks ◽

Capital Adequacy ◽

Third Party ◽

Islamic Banking ◽

Debt Ratio ◽

Performance Information ◽

Return On Assets ◽

Capital Adequacy Ratio ◽

The Impact

Overcoming the impact of the Covid pandemic on Islamic banking in Indonesia, management must take strategic steps based on predictions and previous performance identification. Identify performance, information on the factors that affect the performance of Islamic banking in Indonesia is needed. Several aspects that are considered to affect Islamic banking performance that management must consider are capital, liquidity aspects, credit risk, and efficiency. This research examines the influence of the aspects of capital (Capital Adequacy Ratio and Third Party Funds), liquidity (Finance to Debt Ratio ), credit risk (Non-Performing Financing).) and operational efficiency (BOPO) on the performance of Islamic banking in Indonesia 5 (five) years before the Covid pandemic occurred in Indonesia (2015-2019). The results showed that these five aspects had a simultaneous effect on Islamic banking performance in Indonesia, with a termination coefficient of 94.4%. Of the five variables, CAR, FDR, NPF, and BOPO significantly affect performance, while TPF has no significant effect on performance (Return on Assets).

Download Full-text

Income Diversification and Bank Efficiency in Vietnam

Journal of Economics and Development ◽

10.33301/jed.2017.19.03.04 ◽

2017 ◽

pp. 52-67

Author(s):

Sang Nguyen Minh

Keyword(s):

Regression Model ◽

Commercial Banks ◽

Banking System ◽

Operational Efficiency ◽

Commercial Banking ◽

Tobit Regression ◽

Income Diversification ◽

Positive Effects ◽

Study Results ◽

The Impact

This study uses the DEA (Data Envelopment Analysis) method to estimate the technical efficiency index of 34 Vietnamese commercial banks in the period 2007-2015, and then it analyzes the impact of income diversification on the operational efficiency of Vietnamese commercial banks through a censored regression model - the Tobit regression model. Research results indicate that income diversification has positive effects on the operational efficiency of Vietnamese commercial banks in the research period. Based on study results, in this research some recommendations forpolicy are given to enhance the operational efficiency of Vietnam’s commercial banking system.

Download Full-text

The Impact of Transformational Leadership on Entrepreneurial Orientation via the Mediating Role of Organizational Learning Capability

Journal of Business & Management (COES&RJ-JBM) ◽

10.25255/2306.8043.2020.8.2.65.111 ◽

2020 ◽

Vol 8 (2) ◽

pp. 65

Author(s):

Razan Nofal ◽

Mais Jaradat

Keyword(s):

Transformational Leadership ◽

Organizational Learning ◽

Entrepreneurial Orientation ◽

Commercial Banks ◽

Quantitative Research ◽

Intellectual Stimulation ◽

Design Data ◽

Learning Capability ◽

Idealized Influence ◽

The Impact

The current research aims to investigate the effect of transformational leadership on entrepreneurial orientation in Jordanian commercial banks, and whether organizational learning capability mediates the effect of transformational leadership on entrepreneurial orientation. Adopting a quantitative research design, data were collected by means of a questionnaire-based survey of employees in Jordanian commercial banks. Based on 330 usable responses, the results revealed the significant effect of transformational leadership and two of its dimensions (inspirational motivation and intellectual stimulation) on entrepreneurial orientation. Two other dimensions (idealized influence and individualized consideration) did not contribute to entrepreneurial orientation. Additionally, the results showed that transformational leadership has a significant effect on organizational learning capability, and that organizational learning capability in turn affects entrepreneurial orientation. The findings confirm that organizational learning capability fully mediates the effect of transformational leadership on entrepreneurial orientation. A number of recommendations are advanced, the most important of which is that banks should improve and develop managers’ transformational attributes by training them on how to deal with employees in order to increase their entrepreneurial orientation. Banks should also consider improving their learning capability, as this plays a significant role in enhancing and supporting the effect of transformational leadership attributes on entrepreneurial orientation.

Download Full-text