The Effect of the Effectiveness of Third Party Funds, BOPO, Financing and Capital Adequacy Ratio on Profit Distribution Management

This study aims to determine the effect of Capital Adequacy Ratio, Effectiveness of Third Party Funds and Risk of Financing on Distribution Management Proﬁt in Islamic Banks in Indonesia in 2013-2017. The strategy used is associative causal. This type of research is quantitative. The data of this study are secondary. The population of this study is Islamic banks in Indonesia that have been ofﬁcially registered in the Financial Services Authority (OJK) from 2013 to 2017. The research sample is determined by purposive sampling method, so that the number of samples, there are 10 Islamic banks. The data collection technique used is the documentation obtained through the from each bank sample. The research method used is multiple regression analysis, descriptive statistical analysis, classic assumption test and hypothesis test. The data processing tool used is Eviews 9.0 software with panel data regression method. The results of this study are (1) Capital Adequacy Ratio has an effect on Proﬁt Distribution Management, (2) Effectiveness of Third Party Funds does not affect the Distribution ManagementProﬁt,(3)FinancingRiskhasaneffectonProﬁtDistributionManagement.

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PROFIT DISTRIBUTION MANAGEMENT PADA BANK SYARIAH

MALIA: Journal of Islamic Banking and Finance ◽

10.21043/malia.v2i1.4758 ◽

2018 ◽

Vol 2 (1) ◽

pp. 31

Author(s):

Fitriyana Fitri ◽

Komala Adriyani ◽

Catur Ragil Sutrisno

Keyword(s):

Commercial Banks ◽

Sampling Technique ◽

Capital Adequacy ◽

Third Party ◽

Operational Cost ◽

Distribution Management ◽

Operating Income ◽

Purposive Sampling ◽

Profit Distribution ◽

Capital Adequacy Ratio

This study aims to analyze the influence of the proportion of third party funds (DPK), operational cost to operating income (BOPO), financing to deposit ratio (FDR), bank size and capital adequacy ratio (CAR) to profit distribution management at Sharia Bank. The population is all Sharia Commercial Banks in Indonesia, the period of 2012-2015. Samples were taken using purposive sampling technique. The results show that third party funds (DPK), finance to deposit ratio (FDR) and bank size have no significant effect on profit distribution management (PDM). While BOPO and capital adequacy ratio (CAR) have a significant effect on profit distribution management (PDM).

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BANK INTERNAL FACTORS AND PROFIT DISTRIBUTION MANAGEMENT OF SYARIAH BANKS IN INDONESIA

Nurani Jurnal Kajian Syari ah dan Masyarakat ◽

10.19109/nurani.v18i1.1920 ◽

1970 ◽

Vol 18 (1) ◽

pp. 19-34

Author(s):

Mismiwati Mismiwati

Keyword(s):

Profit Sharing ◽

Capital Adequacy ◽

Return On Assets ◽

Internal Factors ◽

Distribution Management ◽

Purposive Sampling ◽

Profit Distribution ◽

Capital Adequacy Ratio ◽

Negative Effect ◽

Positive Effect

AbstractThe purpose of this study is to analyze the effect of Capital Adequacy Ratio (CAR), Operation Efficiency (BOPO), Financing to Deposit Ratio (FDR), Proportion of Depositor’s Funding (PDPK), Purchase Financing (PJB), Profit Sharing Financing (PBH) and Return On Assets (ROA) to Profit Distribution Management (PDM) in Islamic banks in Indonesia. The sample determined by using purposive sampling based on Indonesia Syariah Bank for period of 2009-2013. The population in this research is 11 Syariah Banks, which 5 Syariah Banks are chosen based on purposive sampling. For analysis the data, multiple regression analysis with IBM SPSS. The result of the research shown that internal bank factors (BOPO and PBH) give positive effect to PDM, the internal bank factors (FDR and PDPK) give negative effect to PDM, while internal bank factors (CAR and PJB) do not affect to PDM. ROA gives positive effect on PDM. Keywords : CAR, BOPO, FDR, PDPK, PJB, PBH, ROA, PDM.

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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 FAKTOR-FAKTOR INTERNAL TERHADAP PROFIT DISTRIBUTION MANAGEMENT (PDM) PADA BANK UMUM SYARIAH DI INDONESIA

JURNAL ILMIAH AKUNTANSI UNIVERSITAS PAMULANG ◽

10.32493/jiaup.v8i2.4730 ◽

2020 ◽

Vol 8 (2) ◽

pp. 173

Author(s):

Tri Utami ◽

Sri Rezeqi

Keyword(s):

Commercial Banks ◽

Sampling Technique ◽

Profit Sharing ◽

Third Party ◽

Operational Cost ◽

Financial Reports ◽

Distribution Management ◽

Operating Income ◽

Profit Distribution ◽

Financing Risk

This study aims to analyze the factors that affect the Profit Distribution Management (PDM) using the variable Proportion of Third Party Funds (PDPK), Provision for Earning Asset Losses (PPAP), Operational Cost of Operating Income (BOPO) and Financing Risk (RP) at Commercial Banks. Sharia in Indonesia. The period of this research is the first quarter of 2016 to the fourth quarter of 2018. This type of research is descriptive analysis with quantitative research methods. The data source used is in the form of secondary data and obtained from the Financial Services Authority (OJK) in the form of Islamic Commercial Bank (BUS) quarterly financial reports consisting of 12 Islamic Commercial Banks (BUS) from 2016 to 2018. The data used from these financial reports are reports Profit Sharing Distribution, Financial Position Report, Income Statement, Earning Asset Quality Report and Financial Ratio. The sampling technique used in this research is purposive sampling technique. This study uses panel data regression analysis using Eviews software version 9.5 The results of this study indicate that the Proportion of Third Party Funds (PDPK), Allowance for Earning Asset Losses (PPAP), Operational Cost of Operating Income (BOPO) and Financing Risk (RP) simultaneously affect the Profit Distribution Management (PDM). Meanwhile, partially, the proportion of third party funds (PDPK), operational costs operating income (BOPO) and financing risk (RP) have a significant negative effect on Profit Distribution Management (PDM). Meanwhile, Provision for Earning Asset Losses (PPAP) has no effect on Profit Distribution Management (PDM).

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ANALISIS PENGARUH STRUKTUR MODAL (CAR) DANDANA PIHAK KETIGA (FDR) TERHADAP PROFITABILITAS (ROA) DENGAN KREDIT BERMASALAH (NPF) SEBAGAI VARIBEL INTERVENING PADA PERBANKAN UMUM SYARIAH DI INDONESIA

JAZ:Jurnal Akuntansi Unihaz ◽

10.32663/jaz.v2i2.987 ◽

2019 ◽

Vol 2 (2) ◽

pp. 1

Author(s):

Fitria Marisya

Keyword(s):

Capital Structure ◽

Path Analysis ◽

Capital Market ◽

Investment Decisions ◽

Capital Adequacy ◽

Third Party ◽

Test Results ◽

The Public ◽

Capital Adequacy Ratio ◽

Intervening Variables

This research focuses on the analysis of the influence of capital structure (Capital Adequacy Ratio/ CAR) and third-party Funds (Financing to Deposit Ratio/ FDR) towards Profitability (Return on Asset/ ROA) with Troubled Financing (Non Performing Financing/ NPF), as the Intervening Variables in the Public Sharia Banking In Indonesia. The data was obtained from the Indonesian Capital Market Directory (ICMD)and analyzed using Path Analysis with the help of AMOS programs22.The test results show some impact as follows: 1. The CAR has a positive and significant to FDR. 2. The NPF is not positive and significant to FDR. 3. The CAR is positive and significant to ROA. 4. The NPF is negative and significant to ROA. 5.The FDR is positive and significant to ROA. 6.The FDR is a significant intervening intervening variable between CAR and ROA in the form of partial mediation. 7.The FDRisasignificantandinfluential variable intervening between the NPF and ROA in the form of partial mediation. This research isexpected to be beneficial to investors, among others, and this research can be used as a consideration in making investment decisions. Also, the researchers can use this as a reference for any research related to capital structure (CAR), third-party Funds (FDR), profitability (ROA), and was the troubled Financing(NPF).

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PENGARUH KINERJA KEUANGAN TERHADAP PEMBIAYAAN BANK UMUM SYARIAH DI INDONESIA (PERIODE 2009-2013)

Journal of Islamic Economics and Finance ◽

10.22373/share.v5i2.1239 ◽

2016 ◽

Vol 5 (2) ◽

Author(s):

Irma Safitri ◽

Nadirsyah Nadirsyah ◽

Darwanis Darwanis

Keyword(s):

Commercial Banks ◽

Research Data ◽

Capital Adequacy ◽

Third Party ◽

Islamic Banking ◽

Islamic Banks ◽

Independent Variables ◽

The Third ◽

Capital Adequacy Ratio ◽

Observation Period

The purposes of this research were to determine the effect of the financial performance of Islamic commercial banks in Indonesia on financing, both individually and simultaneously. The performance was measured through Third Party Funds (TPF), Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), and Financing to Deposit Ratio (FDR). These four independent variables to be tested influence on the dependent variable. This research used census method that includes all of the Islamic banks in Indonesia for observational data. Research data observation period from 2009 until 2013 a total of 11 banks. Multiple linear regression was used to analyze the data.The results of this study found that the Third Party Funds (TPF), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), and Financing to Deposit Ratio (FDR) affect the financing, both individually and simultaneously. Fluctuations in either an increase or decrease of financing that occurred in Islamic banking in Indonesia is determined by the four independent variables. That is to say, the four independent variables that have an important role in the financing of Islamic banking in Indonesia. =========================================== Penelitian ini bertujuan untuk menguji pengaruh kinerja keuangan bank umum syariah di Indonesia terhadap pembiayaan, baik secara parsial maupun simultan. Kinerja keuangan diukur melalui Dana Pihak Ketiga (DPK), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), dan Financing to Deposit Ratio (FDR) Keempat variabel bebas tersebut akan diuji pengaruhnya terhadap satu variabel tidak bebas. Penelitian ini adalah penelitian sensus, yakni memasukan semua bank umum syariah yang ada di Indonesia ke dalam data pengamatan. Periode pengamatan data penelitian dari tahun 2009 s.d 2013 yang berjumlah 11 perbankan. Metode analisis yang digunakan adalah regresi linear berganda. Hasil penelitian ini menemukan bahwa Dana Pihak Ketiga (DPK), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), dan Financing to Deposit Ratio (FDR) berpengaruh terhadap pembiayaan pada perbankan syariah di Indonesia, baik secara parsial maupun simultan. Fluktuasi baik itu peningkatan atau penurunan pembiayaan yang terjadi pada perbankan syariah di Indonesia ditentukan oleh keempat variabel bebas tersebut. Sehingga dapat dikatakan bahwa, keempat variabel bebas tersebut mempunyai peranan penting atas pembiayaan pada perbankan syariah di Indonesia.

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Profit Distribution Management Determinant (Empirical Study in Indonesian Sharia Banks)

JURNAL ILMIAH EKONOMI ISLAM ◽

10.29040/jiei.v5i3.701 ◽

2019 ◽

Vol 5 (3) ◽

Author(s):

Ardiani Ika Sulistyawati ◽

Aristi Aprilia Asmaraputri ◽

Aprih Santoso

Keyword(s):

Data Analysis ◽

Financial Risk ◽

Sampling Method ◽

Hypothesis Test ◽

Third Party ◽

Research Use ◽

Distribution Management ◽

Factors Affecting ◽

Profit Distribution ◽

Risk Investment

The purpose of this research is to know the factors affecting to profit distribution management of Sharia Banks in Indonesia on the period 2013 until 2016. Variabel dependent of this research is profit distribution management. While the independen of this research is capital adequancy, effectiviness of third party funds, financial risk, gross domestic of product growth, propotion of investment financial, proportion of third party funds, loss of earning assets, age of bank, BOPO, Bi-rate. This research use sharia banks which registered in Bank Indonesia on 2013 until 2016 period. Collecting data of this research use purposive sampling method. The test data analysis use classic assumption test, hypothesis test, and data analysis of multiple regression. The result of the hypothesis test is that capital adequancy, effectiveness of third party funds, financial risk, loss of earning assets, BOPO and Bi rate have no effect to profit distribution management. While gross domestic of product growth, proportion of investment, proportion of third party funds and age of bank have the effect of profit distriburion management. Keywords : Profit, Financial, Risk, Investment

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Determinan of Implementation Profit Sharing Financing in Islamic Banking

International Journal of Islamic Business Ethics ◽

10.30659/ijibe.4.1.582-594 ◽

2019 ◽

Vol 4 (1) ◽

pp. 582 ◽

Cited By ~ 1

Author(s):

Winarsih Winarsih ◽

Winda Asokawati

Keyword(s):

Multiple Regression ◽

Analytical Method ◽

Profit Sharing ◽

Capital Adequacy ◽

Third Party ◽

Islamic Banking ◽

Islamic Banks ◽

Return On Assets ◽

Purposive Sampling ◽

Capital Adequacy Ratio

One of the characteristics of Islamic banking is using the concept of profit� sharing financing. This study aims to determinan of implementation profit sharing financing, consist of Third Party Funds , Non Performing Financing, Return On Assets, Capital Adequacy Ratio� and Financing to Deposit Ratio. The population in this study are all Islamic banking which listed in Bank of Indonesia in the periode �2013 to 2016. The sample was selected using purposive sampling methodTotal samples used in this study were 11 Islamic Banks with 4-year study period, with �get sampleof 44 data.� The analytical method used in this study is multiple regression were processed using SPSS. The results of this study indicate third party funds, financing to deposit ratio� have a positive significant effect to the financing profit sharing. While non performing financing ,return on asset and capital adequacy ratio �no effect on the profit �sharing financing.

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PENGARUH KINERJA PERBANKAN TERHADAP JUMLAH PENYALURAN KREDIT ATAU PEMBIAYAAN PADA BANK KONVENSIONAL DAN SYARIAH

Media Ekonomi ◽

10.25105/me.v24i2.3797 ◽

2016 ◽

Vol 24 (2) ◽

pp. 101

Author(s):

Yunita Hasanah ◽

Ida Busneti

Keyword(s):

Multiple Regression ◽

Secondary Data ◽

Positive Influence ◽

Capital Adequacy ◽

Third Party ◽

Annual Reports ◽

Capital Adequacy Ratio

The goal this research to analyze comparing of factors that influence credit distribution at PT. Bank DKI and finance at PT. Bank Syariah Mandiri. The variable that influence credit distribution is: Third Party Funds, NonPerforming Loan/NonPerforming Finance and Capital Adequacy Ratio.This research used secondary data quertaly during the period 2008-2015 at the case study PT. Bank DKI and PT. Bank Syariah Mandiri from Finance Annual Reports of each Bank. The Methodology used is multiple regression analyze. This research shows is Third Party Funds and Capital Adequacy Ratio significantly and positive influence for the credit distribution and financing. NonPerforming Loan/NonPerforming Finance has a negative and significant effect for credit distribution and financing.

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