scholarly journals Determinan of Implementation Profit Sharing Financing in Islamic Banking

2019 ◽  
Vol 4 (1) ◽  
pp. 582 ◽  
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.

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

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.

scholarly journals Kinerja Keuangan Dan Tingkat Bagi Hasil Deposito Mudharabah Pada Bank Umum Syariah Di Indonesia

2019 ◽  
Vol 4 (1) ◽  
pp. 45-66
Author(s):  
Umiyati Umiyati ◽  
Shella Muthya Syarif
Keyword(s):  
Computer Program ◽  
Profit Sharing ◽  
Capital Adequacy ◽  
Islamic Banks ◽  
Microsoft Excel ◽  
Monthly Data ◽  
Purposive Sampling ◽  
Capital Adequacy Ratio

This research aims to analyze the effect of Return On Asset (ROA), Capital Adequacy Ratio (CAR) and BOPO to the level of profit sharing mudharaba deposits Islamic Banks in Indonesia's period January 2011 – June 2015. The data used in this study are monthly data from January 2011 to June 2015. Technical sampling used in this research is purposive sampling, with a sample of 12 Islamic Banks recorded in data from Bank Indonesia. This study uses a computer program SPSS version 20.0 and Microsoft Excel 2007. The result in this research showed that Return On Asset (ROA) and Capital Adequacy Ratio (CAR) partially have significant effect on the level of profit sharing mudharaba deposits While the partial BOPO haven’t significant effect of the level of profit sharing mudharaba deposits Simultaneously, Return On Asset (ROA), Capital Adequacy Ratio (CAR) and BOPO had significant effect on the level of profit sharing mudharaba deposits The results also show that variable Return On Asset (ROA) the most dominant on the level of profit sharing mudharaba deposits with the value β of -0,273, and a significance value smaller than 0,05 (0,000 < 0, 05).

scholarly journals The comparison of Islamic banks performance in Indonesia before and after the Action to Defend Islam event

2020 ◽  
Vol 2 (1) ◽  
pp. 49-66
Author(s):  
Luksi Visita
Keyword(s):  
Empirical Study ◽  
Commercial Banks ◽  
Profit Sharing ◽  
Third Party ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Return On Assets ◽  
Paired Sample ◽  
Business Units ◽  
Before And After

Purpose – This study aims to compare the performance of Islamic banking before and after the Islamic defense action. The action to defend Islam is a manifestation of populism, which resulted in mixed responses.Method – Financial performance consisting of return on assets (ROA), financing to deposit ratio (FDR), third party funds (DPK), non performing financing (NPF) and profit sharing financing on total financing were analyzed from 30 Islamic commercial banks and Sharia business units in Indonesia. The data were analyzed using different test paired sample T-test.Result – The results show that only TPF and FDR have significant differences. The DPK value increases, while the FDR decreases.Implication – This study can support industry to consider aspects needed to be taken care of during political events.Originality – This study enriches the empirical study of political and business interaction.

scholarly journals The effect of asset quality, profit and loss sharing on Sharia Banking Liquidity in Indonesia

2022 ◽  
Vol 27 ◽  
pp. 423-436
Author(s):  
Anggraeni Anggraeni ◽  
Yulis Maulida Berniz
Keyword(s):  
Gross Domestic Product ◽  
Profit Sharing ◽  
Capital Adequacy ◽  
Domestic Product ◽  
Islamic Banks ◽  
Return On Assets ◽  
Investment Bank ◽  
For Profit ◽  
Capital Adequacy Ratio ◽  
Asset Quality

This study aims to determine the effect of asset quality variables (Non-Performing Financing), Profit and Loss Sharing (profit-loss sharing investment and profit-sharing investment account), capital adequacy ratio, bank size, return on assets, and gross domestic product on Islamic banking liquidity in Indonesia. The analysis was conducted using a sample of 7 Islamic commercial banks from the period March 2015 to December 2019. This study uses 2 multiple regression models of panel data with the results showing that Non-Performing Financing, profit-loss sharing investment, bank size, gross domestic product affect the liquidity of Islamic banks. , then for-profit sharing investment account, capital adequacy ratio, return on assets, does not affect the liquidity of Islamic banks.

scholarly journals Analisis Faktor-Faktor yang mempengaruhi Kinerja Keuangan Bank Umum Syariah yang terdaftar di Bursa Efek Indonesia (BEI) (Periode 2014-2016)

2018 ◽  
Vol 2 (2) ◽  
pp. 62
Author(s):  
Hamdani Hamdani ◽  
Nining Wahyuni ◽  
Ali Amin ◽  
Sulfitra Sulfitra
Keyword(s):  
Financial Performance ◽  
Sampling Method ◽  
Predictive Ability ◽  
Capital Adequacy ◽  
Islamic Banking ◽  
Return On Assets ◽  
Financial Report ◽  
Operating Income ◽  
Purposive Sampling ◽  
Capital Adequacy Ratio

Abstrak. Penelitian ini diharapkan berpengaruh terhadap Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), Biaya Operasional Pendapatan Operasional (BOPO) terhadap Return on Asset (ROA) sebagai proksi Kinerja Keuangan perbankan syariah di Indonesia periode 2014- 2016. Populasi dalam penelitian ini adalah 11 bank syariah di Indonesia yang terdaftar di Bursa Efek Indonesia untuk periode tahun 2014-2016, dan sampel diperoleh sebanyak 33 bentuk 11 bank dan 3 periode keuangan repo 2014-2016 dengan purposive sampling. Metode Analisis data menggunakan regresi linier berganda dengan Software SPSS versi 16.0 Hasil dari penelitian ini menunjukkan bahwa variabel FDR dan CAR tidak berpengaruh signifikan terhadap ROA, sedangkan variabel BOPO memiliki pengaruh signifikan terhadap ROA. Kemampuan prediktif dari ketiga variabel pada ROA sebesar 72,3%, sedangkan sisanya dipengaruhi oleh faktor lain yang tidak termasuk dalam model riset.Kata kunci: Financial Performance, Return on Assets, Financing to Deposit Ratio, Capital Adequacy Ratio, BOPO Abstract. This research is supposed the effect Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), (BOPO) Operating Expenses to Operating Income to Return on Asset (ROA) as a proxy of the Financial Performance of Islamic banking in Indonesia period 2014- 2016. The population in this study was 11 Islamic Bank in Indonesia in asset listed on Bursa Efek Indonesia for the period years 2014-2016, and the sample is got as 33 forms 11 banking and 3 periods financial report of 2014-2016 by purposive sampling method. The data analyses employed the use of multiple linear regression with Software SPSS version 16.0. The result from this study indicates that variable Financing to Deposit Ratio and Capital Adequacy Ratio has not significant influences on ROA, while BOPO variable has significant influences on ROA. Predictive ability of the three variables on the ROA of 72,3%, while the rest is influenced by other factors not included in the research model.Keywords: Financial Performance, Return on Assets, Financing to Deposit Ratio, Capital Adequacy Ratio, BOPO

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

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.

Pengaruh DPK, NPF, CAR, Ekuivalen Bagi Hasil, Dan Sertifikat IMA Terhadap Pembiayaan Bank Umum Syariah Tahun 2012-2014

2017 ◽  
Vol 24 (2) ◽  
pp. 167-180
Author(s):  
Riska Robiyanti Erlita
Keyword(s):  
Regression Analysis ◽  
Sampling Method ◽  
Applied Research ◽  
Profit Sharing ◽  
Capital Adequacy ◽  
Third Party ◽  
Quarterly Data ◽  
Purposive Sampling ◽  
Capital Adequacy Ratio ◽  
In The Beginning

This research is included as applied research. Based on the objective, it is classifid as quantitative specifically descriptive analytical. Population used in this research is Public Sharia Bank in Indonesia. Sampling is determined by using purposive sampling method, in which 33 samples are taken. Analysis is conducted by having double regression analysis by doing classical assumption test in the beginning. This study was conducted to examine the influence of DPK (Third Party Fund), NPF (Non Performing Financing), CAR (Capital Adequacy Ratio), profit sharing equivalenceratio and the IMA Certificates toward Financing ofPublicSharia Bank in 2012 to 2014 using quarterly data. The analysis showed that only two variables that significantly influence the financing, which are third-party funds (DPK), and NPF (Non Performing Financing) while CAR (Capital Adequacy Ratio), profit sharing equivalence and IMA certificates are not proven as significant.

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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