scholarly journals Pengaruh Faktor Internal Dan Eksternal Terhadap Nilai Pembiayaan Murabahah Pada Perbankan Syariah Di Indonesia Periode Januari 2015-Juli 2018

2019 ◽  
Vol 4 (2) ◽  
Author(s):  
Bhaswarendra Guntur Hendratri
Keyword(s):  
Islamic Law ◽  
External Factor ◽  
Third Party ◽  
Islamic Banking ◽  
Internal Factor ◽  
The Public ◽  
Equivalent Rate ◽  
Negative Effect ◽  
Internal And External Factors ◽  
Positive Effect

Bank of Sharia is a bank that in its activities, both raising funds and in the context of channeling funds, provides and imposes compensation in accordance with Islamic law. Its activities does not charge interest, or does not pay interest to customers. Rewards received by Islamic banks, as well as those paid by customers depend on the contract and agreement between the customer and the bank. Related to the transaction contract practiced by Islamic banking. The mura>bah}ah contract is the contract that is most sought by the public. This contract dominates other contracts such as musha>rakah, mud}a>rabah, salam, istis}na>’, qard} and ija>rah. The purpose of this study is to analyze the influence of internal and external factors of Islamic banking, namely third party funds (DPK), capital adequecy ratio (CAR), number of sharia bank offices, equivalent rate (ER), and inflation on the amount of mura>bah}ah financing in Islamic banking in Indonesia. The analytical method used in this study is multiple linear regression. The results of this study indicate that third party funds (DPK), capital adequecy ratio (CAR), number of sharia bank offices, equivalent rate (ER), and inflation together have a positive effect on the value of mura>bah}ah financin.  Partially, third party funds (DPK) have an influence positive towards mura>bah}ah financing. While the number of sharia bank offices and equivalent rate (ER) has a negative effect on mura>bah}ah financing. Then, capital adequecy ratio (CAR) and Inflation have no effect on the amount of mura>bah}ah financing. Keywords: Mura>bah}ah financing, External factor, Internal factor

scholarly journals PENGARUH SUKU BUNGA, NILAI TUKAR, DPK, DAN NPF/NPL KPR TERHADAP PENYALURAN KPR PERBANKAN DI INDONESIA

2020 ◽  
Vol 6 (10) ◽  
pp. 2077
Author(s):  
Muchammad Atho'ur Rohman ◽  
Siti Zulaikha
Keyword(s):  
Exchange Rates ◽  
Interest Rates ◽  
Secondary Data ◽  
Third Party ◽  
Islamic Banking ◽  
Significant Positive Effect ◽  
Simultaneous Test ◽  
Banking Market ◽  
Negative Effect ◽  
Positive Effect

This study aims to determine the effect of interest rates, exchange rates, third party funds and NPF / NPL Mortgages on the distribution of banking mortgages in Indonesia. It is intended that Islamic banks are able to make optimal policies in the distribution of mortgages and mitigation so that the Islamic banking market share can develop. The data required is secondary data from the Indonesian Banking Statistics report, Islamic Banking Statistics, and Indonesian Economic and Financial Statistics for the period October 2014 - May 2019. Based on Multiple Linear Regression, it is known that the simultaneous test results of all variables together have a positive significant effect in the distribution of banking mortgages, and in the partial test it is known that the interest rates and third party funds have a significant positive effect on mortgages in sharia and conventional banking. The exchange rate has a significant positive effect on Islamic banking mortgages, and a significant negative effect on conventional banking mortgages. NPF / NPL mortgage has an insignificant positive effect on the mortgages of both banks. So it can be concluded that the variable interest rates, exchange rates, and third party funds affect the distribution of Islamic banking mortgages and conventional banking mortgages, while the variable NPF / NPL mortgages have no effect.Keywords: Interest rates, exchange rates, third party fund, non performing finance, non performing loan

scholarly journals The Effect of Spin-Off Policy on Financing Growth in Indonesian Islamic Banking Industry

Al-Ulum ◽  
2015 ◽  
Vol 15 (1) ◽  
pp. 173 ◽  
Author(s):  
Mohammad Al Arif
Keyword(s):  
Interest Rate ◽  
Inflation Rate ◽  
Banking Industry ◽  
External Factor ◽  
Third Party ◽  
Islamic Banking ◽  
Efficiency Ratio ◽  
Internal Factor ◽  
Economic Growth Rate ◽  
The Relationship

The purpose of this paper is to analyze the relationship between spin-off policy on the financing growth of Islamic banking industry in Indonesia. This research used panel regression with fixed effect. The variable used in this paper is dummy variabel of spin-off, and also included the internal factor of industry such as third party fund, and efficiency ratio (measured by BOPO). Besides the internal factor, this research also included the external factor such as inflation rate, economic growth rate, and interest rate from conventional banking. The result shows that only third part funds and interest rate had an impact on the financing growth in spin-off banks. The spin-off policy doesn�t have an impact on the financing growth in spin-off banks

scholarly journals The Effect Of Third Party Funds (DPK), Non Performing Financing (NPF), And Indonesian Sharia Bank Certificates (SBIS) On Sharia Banking Financing Distribution In Indonesia

2021 ◽  
Vol 2 (2) ◽  
pp. 72-77
Author(s):  
Riyan Pradesyah ◽  
Yuyun Triandhini
Keyword(s):  
Data Analysis ◽  
Commercial Bank ◽  
Financial Services ◽  
Quantitative Methods ◽  
Secondary Data ◽  
Third Party ◽  
Islamic Banking ◽  
Analysis Technique ◽  
Negative Effect ◽  
Positive Effect

The purpose of this research is to determine the effect of DPK, NPF, and SBIS either partially or simultaneously on the distribution of Islamic banking financing in Indonesia. In this research , using quantitative methods and the type of data used is secondary data. The sample used in this study is data on total financing, DPK, NPF and fund placement in Islamic Commercial Bank SBIS which are contained in the monthly Islamic Banking Statistics published by the Financial Services Authority for the period 2015 - 2019. The data analysis technique used in this study is test classical assumption, multiple linear regression and hypothesis testing. The results of this study were processed in the SPSS 22 program.The results showed that partially (t test) the DPK variable had a positive effect on the distribution of financing. This was evidenced by the t count (56.185)> (1.67252) t table and the sig value. 0.000 < 0.005. The NPF variable has a negative effect with t count (-3.914) <(1.67252) t table and sig. 0.000 < 0.005. The SBIS variable has no effect, as evidenced by the t count (1.536) <(1.67252) t table and the sig value. 0.130 > 0.005. Taken together (F test) shows that DPK, NPF, and SBIS have a significant effect on financing distribution as evidenced by the value of F count (1565,122)> (2.77) F table and sig. 0.000 < 0.005. The adjusted R2 value is 0.988, which means that the DPK, NPF and SBIS variables affect the distribution of financing by 98.8% while the remaining 1.2% is influenced by variables outside of this research .

scholarly journals The Effect of Islamic Financial Inclusion on Economic Growth: A Case Study of Islamic Banking in Indonesia

2021 ◽  
Vol 4 (1) ◽  
pp. 976-985
Author(s):  
Fauziyah Adzimatinur ◽  
Vigory Gloriman Manalu
Keyword(s):  
Economic Growth ◽  
Financial Inclusion ◽  
Third Party ◽  
Islamic Banking ◽  
Vector Error Correction ◽  
Vector Error ◽  
Long Run ◽  
Negative Effect ◽  
Positive Effect

This research aims to examine the effects of financial inclusion in Islamic banking on economic development in Indonesia. The economic growth indicator is represented by the Industry Production Index (IPI) while the financial inclusion indicator is represented by the amount of Third Party Funds, the amount of financing, the number of Third Party Funds accounts, and the number of financing accounts. The data used is time series from January 2011 to February 2020. The Vector Error Correction Model (VECM) is used to analyze the data. The results show that in the long run, inflation has a positive effect, while in the short term, inflation has a positive effect on lag one and has a negative effect on lag 2. While the financial inclusion indicator shows that the financial inclusion of Islamic banking in Indonesia has a positive effect on economic growth. 

scholarly journals Determinan Pembiayaan Musyarakah Pada Perbankan Syariah Di Indonesia

2020 ◽  
Vol 5 (2) ◽  
pp. 1-15
Author(s):  
Teguh Permana ◽  
Andriani Puspitaningsih
Keyword(s):  
Profit Sharing ◽  
Third Party ◽  
The Public ◽  
Negative Effect ◽  
And Control ◽  
Positive Effect

The results showed that third party funds, profit sharing rates, and problematic financing had a significant effect on musharaka financing, while inflation was not significant. Third party funds have a positive effect, while the profit sharing rate and problematic financing have a negative effect on musyarakah financing. Research also shows that there are different interceptions between BUS / UUS and BPRS where the BPRS intercept is greater than the BUS / UUS intercept. This shows that BPRS are more attractive to the public than BUS / UUS. The findings of this study imply that to increase the capacity of musharaka financing, efforts to increase community savings in third party funds are needed, promote a fair / appropriate profit sharing rate, and control problematic financing.Keywords: musharaka, dpk, profit sharing, financing problems, inflation.

scholarly journals Determinan Pembiayaan Bagi Hasil Pada Perbankan Syariah

2021 ◽  
Vol 2 (01) ◽  
pp. 1-10
Author(s):  
Yuridistya Primadhita ◽  
Anggraita Primatami ◽  
Susilowati Budiningsih
Keyword(s):  
Revenue Sharing ◽  
Profit Sharing ◽  
Third Party ◽  
Islamic Banking ◽  
Regression Methods ◽  
Sharing Scheme ◽  
Negative Effect ◽  
Conventional Banks ◽  
The Impact ◽  
Positive Effect

Pembiayaan bagi hasil bank syariah terbagi dalam bentuk pembiayaan mudharabah dan musyarakah yang didasarkan pada skema profit sharing atau revenue sharing. Skema ini sangat berbeda dengan kredit pada bank konvensional yang berbasis bunga. Tujuan penelitian adalah untuk menganalisis pengaruh dana pihak ketiga (DPK), financing to deposit ratio (FDR), dan non performing financing (NPF) terhadap pembiayaan bagi hasil perbankan syariah di Indonesia. Penelitian terdiri atas 37 observasi meliputi periode September 2017 sampai dengan September 2020. Data dianalisis dengan metode regresi linier berganda. Penelitian menghasilkan temuan DPK dan FDR berpengaruh positif terhadap pembiayaan bagi hasil, sementara NPF berpengaruh negatif terhadap pembiayaan bagi hasil. Semakin rendah risiko bank, semakin tinggi pengumpulan dana nasabah, dan semakin besar rasio penyaluran pembiayaan berpengaruh terhadap peningkatan penyaluran pembiayaan berbasis bagi hasil pada perbankan syariah di Indonesia. Abstract Profit-sharing financing in Islamic banks is divided into mudharabah and musyarakah financing which is based on a profit-sharing or revenue sharing scheme. This scheme is very different from interest-based credit at conventional banks. This study aims to analyze the impact of third party funds (DPK), financing to deposit ratio (FDR), and non-performing financing (NPF) on the profit-sharing financing of Islamic banking in Indonesia. The study consisted of 37 observations covering the period September 2017 to September 2020. Data were analyzed using multiple linear regression methods. The results of the study showed that TPF and FDR had a positive effect on profit-sharing financing, while NPF had a negative effect on profit-sharing financing. The lower bank risk, the higher collection of customer funds, and the higher financing distribution ratio have an effect on increasing the distribution of profit sharing based financing in Islamic banking in Indonesia.

scholarly journals Analisis Pengaruh Dana Pihak Ketiga dan Pembiayaan Terhadap Market Share Perbankan Syariah di Indonesia Melalui Aset Sebagai Variabel Intervening

2019 ◽  
Vol 1 (2) ◽  
pp. 33-44
Author(s):  
Vivin Wulandari ◽  
Deky Anwar
Keyword(s):  
Market Share ◽  
Financial Reporting ◽  
Research Method ◽  
Quantitative Research ◽  
Third Party ◽  
Islamic Banking ◽  
Panel Data Regression ◽  
Data Regression ◽  
Negative Effect ◽  
Positive Effect

Purpose- This study aims to analyze the direct and indirect effect of Third Party Funds (TPF) and Financing (PMBY) on the Market share (MS) of Indonesian Islamic Banking in 2013-2017, with asset variables (ASET) as intervening. Methods- A quantitative research method was used. Data collection techniques in this study are documentation financial reporting. Panel data regression is used to test hypotheses using the EVIEWS program Findings- The results indicate that simultaneous, TPF, PMBY, and ASET have a positive and significant effect on the market share of Islamic banking. And partially, TPF does not affect MS, PMBY has a significant negative effect on MS, and assets have a significant positive effect on MS. ASET are not proven to be intervening on the tested model. Research implications- This study can be a knowledge for investors to understand the market share of Islamic banking, as well as an evaluation material for management to increase market share through deposits, PMBY, and ASET.

scholarly journals ANALISIS PENGARUH PERBANKAN SYARIAH TERHADAP PERTUMBUHAN SEKTOR RIIL DI INDONESIA

2018 ◽  
Vol 7 (1) ◽  
pp. 21
Author(s):  
Fadil Ananta Piskha ◽  
Hasdi Aimon ◽  
Mike Triani
Keyword(s):  
Third Party ◽  
Islamic Banking ◽  
Sequential Data ◽  
Real Sector ◽  
Islamic Banks ◽  
Growth Sector ◽  
The Real ◽  
Negative Effect ◽  
Real Growth ◽  
Positive Effect

The purpose of this study is to see the effect of Islamic Banking on the growth of real sector in Indonesia. The type of data in this research is time series. In analyzing sequential data from 2007 and 2017, the analytical method is used OLS analysis methods. Based on the results of estimation, financing, third party funds and certificates of Indonesian Islamic banks have significant influence on the growth of the real sector. Sharia Indonesia bank financing and certificates have a positive effect on real growth sector. Islamic banking encourages the growth of the real sector in terms of financing in the distribution of capital, certificates of Indonesian Islamic banks instruments encouraging real sector movements and supporting the large amount of capital to be distributed While third party funds have a negative effect on real growth sector.

scholarly journals ANALISIS PENGARUH PERSEPSI KUALITAS PELAYANAN DAN PERCEIVED VALUE TERHADAP KEPUASAN RELIGIUS UNTUK MENINGKATKAN MINAT MENABUNG ULANG (Studi Pada BNI Syariah Semarang)

2016 ◽  
Vol 13 (1) ◽  
pp. 14
Author(s):  
Hibba Al Kanzu ◽  
Harry Soesanto
Keyword(s):  
Service Quality ◽  
Perceived Value ◽  
Third Party ◽  
Islamic Banking ◽  
Repurchase Intention ◽  
Perceived Service Quality ◽  
Data Analyst ◽  
Regression Test ◽  
Independent Variable ◽  
Positive Effect

The problem in this research is a decrease in the amount of third party funds (savings)are decreased and the high number of closing the savings account of Islamic banking.This research aims to test the power of perceived service quality and perceived value toreligious satisfaction to improve consumer resaving interest in an Islamic Banking insemarang (study in BNI Syariah). This study using three independent variable isperceived service quality and perceived value , variable resaving intention consumer as adependent variable and variable religious satisfaction as intervening.A method of this research technique using probability sample that is random samplingand clusters of sampling to sample as many as 100 of respondents in the middle class andover who had bought an apartment in semarang .A method of data analyst using atechnique double regression analysis , the analysis includes: test the validity of , a test ofreliability , test the assumption of the classics , linear regression test doublet test , test f ,test the coefficients determined and test sobel.The results show significant and positive effect perceived service quality to religioussatisfaction and resaving intention, significant and positive effect perceived value toreligious satisfaction and repurchase intention, and then significant and positive effectreligious satisfaction to repurchase intention.Keywords : Perceived Service Quality, Perceived Value, Religious Satisfaction,Repurchase Intention.

scholarly journals Strategi Pemasaran Produk Olahan Hasil Perikanan pada UMKM Cindy Group

2018 ◽  
Vol 13 (1) ◽  
pp. 19
Author(s):  
Eviet Sri Setiyorini ◽  
Bambang Pramudya Noorachmat ◽  
Muhammad Syamsun
Keyword(s):  
Marketing Strategy ◽  
External Factor ◽  
Marketing Strategies ◽  
External Factors ◽  
Raw Material ◽  
Internal Factor ◽  
Factor Evaluation ◽  
Processed Products ◽  
Internal And External Factors ◽  
A Company

Cindy Group is a company grouped as SMEs which produces boiled fish, both traditional and hygienic. Companies to keep their survival in order to survive in a competitive market, must have a strategy to attract consumers to buy their products. One of the best strategy is to evaluate and develop appropriate marketing strategies. The objectives of this research are: (1) to identify and analyze internal and external factors influencing Cindy Group marketing strategy, (2) to formulate Cindy Group marketing strategy, and (3) to prioritize Cindy Group marketing strategy. Based on internal and external factors, Cindy Group formulated strengths, weaknesses, opportunities and threats toward marketing strategy using Internal Factor Evaluation (IFE) and External Factor Evaluation (EFE). The total score in the IFE and EFE matrices illustrated that the firm's stable position in responding to external situations. The total IFE score of 3.3436 indicated that the strengths of Cindy Group could overcome the weaknessess very well. Total EFE score of 2.5545 indicated that Cindy Group was good enough to respond the opportunities and minimize threats. Based on QSPM analysis, the priority strategy to be applied in the marketing of fishery processed products at UMKM Cindy Group which was expanding marketing network, maintaining quality, increasing sales service and increasing cooperation with related institutions and cooperatives/other SMEs in order to get raw material access.

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