Determinants of Financing Disbursed by Islamic Rural Banks (BPRS) in Indonesia

2021 ◽  
Vol 5 (1) ◽  
pp. 50
Author(s):  
Khairatun Hisan ◽  
Riski Syahpitri ◽  
Zulkarnaini Zulkarnaini
Keyword(s):  
Financial Services ◽  
Empirical Studies ◽  
Regression Method ◽  
Third Party ◽  
P Value ◽  
Microfinance Institutions ◽  
Return On Assets ◽  
Factors Influencing ◽  
Multiple Regression Method ◽  
Spss Software

<em>This study aims to determine the factors influencing the total financing disbursed (PYD) in Islamic Rural Banks in Indonesia in the 2015-2019 period. The data in this study were collected from the documentation on the Financial Services Authority (OJK) official website from a quarter I 2015 to quarter IV 2019. The data were analyzed using the multiple regression method with SPSS software. The results showed that Third Party Funds (Dana Pihak Ketiga) positively and significantly affected the total disbursed financing (p-value 0.000). Non-Performing Financing (NPF) has a positive and significant effect on total financing (p-value 0.004). Return on Assets (ROA) has a positive and significant effect on total financing (p-value 0.035). Simultaneously, the three variables also positively affect the total financing disbursed by Islamic Rural Banks in Indonesia (p-value 0.000) with an Adjusted R Square value of 0.968 or 96.8%. The findings of this study contribute to the development of empirical studies related to the determinants of financing in microfinance institutions such as Islamic Rural Banks and can be used as a reference for financing management in Islamic Rural Banks.</em><br /><br />Penelitian ini bertujuan untuk mengetahui faktor-faktor yang mempengaruhi total pembiayaan yang disalurkan (PYD) pada BPRS di Indonesia dalam periode 2015-2019. Data dalam penelitian ini dikumpulkan dari dokumentasi website resmi Otoritas Jasa Keuangan dari triwulan I 2015 - triwulan IV 2019. Data dianalisis dengan menggunakan metode regresi berganda dengan software SPSS 16.0. Hasil penelitian menunjukkan bahwa Dana Pihak Ketiga (DPK) berpengaruh positif dan signifikan terhadap total pembiayaan disalurkan (p-value 0,000). <em>Non Performing Financing</em> (NPF) berpengaruh positif dan signifikan terhadap total pembiayaan (p-value 0,004). <em>Return on Asset</em> (ROA) berpengaruh positif dan signifikan terhadap total pembiayaan (p-value 0,035). Secara simultan ketiga variabel juga berpengaruh positif dan signifikan terhadap total pembiayaan yang diberikan BPRS di Indonesia (p-value 0,000) dengan nilai <em>Adjusted R Square</em> sebesar 0,968 atau 96,8%. Temuan penelitian ini berkontribusi dalam pengembangan studi-studi empiris terkait determinan pembiayaan pada lembaga keuangan mikro seperti BPRS dan dapat digunakan untuk acuan pengelolaan pembiayaan di BPRS.<br /><p> </p>

DETERMINANTS OF FINANCIAL LIQUIDITY IN FEED ENTERPRISES

2018 ◽  
Vol XX (6) ◽  
pp. 41-48 ◽  
Author(s):  
Dorota Czerwińska-Kayzer ◽  
Joanna Florek
Keyword(s):  
Multiple Regression ◽  
Regression Method ◽  
Cause And Effect ◽  
Factors Influencing ◽  
Multiple Regression Method ◽  
Main Factors ◽  
Financial Liquidity

The multiple regression method was used to assess the strength and direction of the influence of selected determinants of financial liquidity. The multiple regression method was used to assess the strength and direction of the influence of selected determinants of financial liquidity. The analysis uses two models of cause-and-effect linkage of factors shaping financial liquidity. The presented research showed that the main factors influencing the liquidity were the structure of assets, the ratio of liabilities coverage, rotation of the current liabilities and the ratio of financing revenues with equity.

scholarly journals PENGARUH MODAL KERJA DAN PROFITABILITAS TERHADAP NILAI PERUSAHAAN

2021 ◽  
Vol 5 (1) ◽  
pp. 73-88
Author(s):  
Budi Setyawan
Keyword(s):  
Data Collection ◽  
Firm Value ◽  
Stock Exchange ◽  
Secondary Data ◽  
Regression Method ◽  
Working Capital ◽  
Collection Method ◽  
Financial Reports ◽  
Multiple Regression Method ◽  
Spss Software

Abstract This study was conducted to determine the influence of working capital and profitability  on firm value, either partially or simultaneously on the issuers of the Textile and Garment Sector at the Indonesia Stock Exchange. The data collection method used  was documents studies, using secondary data in the form of financial reports from the Indonesia Stock Exchange. The data obtained were then processed by multiple regression method with SPSS software version 23.00. The results showed that working capital partially had no significant effect on firm value. Profitability partially has a significant effect on firm value. Simultaneously working capital and profitability have a significant effect on firm value. Keywords: Working Capital, Profitability, Firm Value

scholarly journals NILAI PERUSAHAAN: STUDI EMPIRIS FAKTOR-FAKTOR YANG MEMPENGARUHI

Media Bisnis ◽  
2021 ◽  
Vol 13 (1) ◽  
pp. 39-46
Author(s):  
ARWINA KARMUDIANDRI ◽  
MERRY ADITA CHANDRA
Keyword(s):  
Firm Size ◽  
Firm Value ◽  
Sampling Method ◽  
Stock Exchange ◽  
Regression Method ◽  
Managerial Ownership ◽  
Investment Opportunity ◽  
Financial Leverage ◽  
Factors Influencing ◽  
Multiple Regression Method

The purpose of this research is to analyze factors influencing firm value. The independen variable are investment opportunity, dividen policy, managerial ownership, financial leverage, profitability, firm size, board of indepedent commissioner, audit comittee. Population of this research is non-financial companies which are listed in Indonesia Stock Exchange from 2015 to 2017. The sample of this research are selected by using purposive sampling method, and 198 datas are taken. Data were analyzed using multiple regression method. The result of this research shows that financial leverage, profitability and board of independent commissioner have influence to firm value, whereas investment opportunity, dividen policy managerial ownership, firm size and audit comittee do not have influence to firm value.

scholarly journals Faktor-Faktor Yang Mempengaruhi Pembiayaan Pada Bank Umum Syariah Devisa Di Indonesia

2020 ◽  
Vol 5 (1) ◽  
pp. 39-62
Author(s):  
Umiyati Umiyati ◽  
Leni Tantri Ana
Keyword(s):  
Data Processing ◽  
Foreign Exchange ◽  
Regression Method ◽  
Third Party ◽  
Microsoft Excel ◽  
Quarterly Data ◽  
Purposive Sampling ◽  
The Third ◽  
Spss Software ◽  
The Third Party

ABSTRAK. Penelitian ini bertujuan untuk menganalisis pengaruh variabel Dana Pihak Ketiga (DPK), Financing to Deposit Ratio (FDR), Return on Asset (ROA), Non Performing Financing (NPF) dan Inflasi Terhadap Pembiayaan Pada Bank Umum Syariah Devisa di Indonesia. Data yang digunakan dalam penelitian ini adalah data Triwulan dari Maret 2011 sampai Desember 2015. Teknik sampling yang digunakan dalam penelitian ini adalah purposive sampling dengan menggunakan alat analisis regresi linier berganda menggunakan program SPSSversi 20 dan Microsoft Excel 2016. Hasil penelitian menunjukkan secara parsial bahwa Return on Asset (ROA), Performing Financing (NPF) dan Inflasi tidak berpengaruh signifikan terhadap Pembiayaan. Sedangkan Dana Pihak Ketiga (DPK) dan Financing to Deposit Ratio (FDR) berpengaruh signifikan terhadap Pembiayaan. Hasil lainnya menunjukkan nilai Adjusted R Square sebesar 91,3% yang berarti secara simultan menunjukkan bahwa Jumlah Pembiayaan pada Bank Umum Syariah Devisa dipengaruhi oleh Dana Pihak Ketiga (DPK), Financing toDeposit Ratio (FDR), Return on Asset (ROA), Non Performing Financing (NPF) dan Inflasi Sedangkan sisanya sebesar 8,7% dipengaruhi oleh variabel lain di luar model.Kata kunci: Pembiayaan, Dana Pihak Ketiga (DPK), Financing to DepositRatio (FDR), Return On Asset (ROA), Non PerformingFinancing (NPF) dan InflasiABSTRACT. This research aim to analyze the effect of the third-party funds, Financing to Deposit Ratio (FDR), Return on Asset (ROA), Non Performing Financing (NPF) and Inflation against the total of fund at Syariah Banking foreign exchange in Indonesian. The data for assessing this research are acquired quarterly data from March 2011 to December 2015. Technical sampling used in this research is purposive sampling and used multiple linier regression method. Data processing in this research uses SPSS software 20.0 and Microsoft Excel 2016. The results of theanalysis indicated that partially, Return on Asset(ROA), Non Performing Financing (NPF) and Inflation has no significant affect to funds. The third-party funds and Financing to Deposit Ratio (FDR) are significant to funds.The amount of the adjust Rsquare is 91,3%. Simultaneously the third-party funds, Financing to Deposit Ratio (FDR), Return on Asset (ROA), Non Performing Financing (NPF) and Inflation have significant affect. While the remaining amount of 8,7% influenced by other factorsthat are not included in the study variables.Keywords: The Total of fund, the third-party funds, Financing to Deposit Ratio (FDR), Return on Asset (ROA), Non Performing Financing (NPF) and Inflation

scholarly journals Pengaruh Perputaran Aktiva, Perputaran Kas, dan Loan to Deposit Ratio (LDR) terhadap Return On Asset (ROA) pada Perbankan yang Terdaftar di Bursa Efek Indonesia pada Tahun 2013-2017

Owner ◽  
2019 ◽  
Vol 3 (2) ◽  
pp. 307
Author(s):  
Mahmuddin Syah Lubis ◽  
Isna Asdiani Nasution ◽  
Mery Mery ◽  
Jenvony Jenvony ◽  
Vini Yulia ◽  
...  
Keyword(s):  
Causal Relationship ◽  
Quantitative Research ◽  
Stock Exchange ◽  
Financial Statements ◽  
Regression Method ◽  
Research Approach ◽  
Return On Assets ◽  
Descriptive Research ◽  
Multiple Regression Method ◽  
Asset Turnover

The aim of this research is to test and analyze the effect of asset turnover, cash turnover and the Loan to Deposit Ratio (LDR) on Returns on Assets (ROA) in Banking listed on the Indonesia Stock Exchange in 2013-2017. This study uses a quantitative research approach. This type of research is descriptive research. The nature of the research conducted is a causal relationship. The population of this study was 43 banks listed on the Stock Exchange in 2013-2017 with a sample of 23 banks listed on the Indonesian Stock Exchange in 2013-2017 with 5 years of observation so that the observation samples were 115 financial statements of banking companies listed on the Indonesian Stock Exchange in 2013 -2017. The multiple regression method used in this study. The results of this study are asset turnover that has significant and significant effect on Return On Assets (ROA) in Banking listed on the Indonesia Stock Exchange in 2013-2017. Cash turnover has a significant and significant effect on Return On Assets (ROA) in Banking listed on the Indonesia Stock Exchange in 2013-2017. The Loan to Deposit Ratio (LDR) has an effect on Return On Assets (ROA) in Banking listed on the Indonesia Stock Exchange in 2013-2017. Asset turnover, cash turnover and Loan to Deposit Ratio (LDR) have an effect on and significant on Return On Assets (ROA) in Banking listed on the Indonesia Stock Exchange in 2013-2017.

scholarly journals PENGARUH DANA PIHAK KETIGA, MARGIN KEUNTUNGAN, SERTIFIKAT WADIAH BANK INDONESIA, RETURN ON ASSET, DAN NON PERFORMING FINANCING TERHADAP PEMBIAYAAN MURABAHAH PADA BANK SYARIAH MANDIRI DAN BANK MUAMALAT INDONESIA PERIODA 2009-2013

2018 ◽  
Vol 4 (1) ◽  
pp. 1
Author(s):  
Rizqi Amalia ◽  
Khusnul Hidayah
Keyword(s):  
Financial Services ◽  
Predictive Ability ◽  
Positive Influence ◽  
Fund Raising ◽  
Profit Margin ◽  
Third Party ◽  
Return On Assets ◽  
The Public ◽  
Time Deposits ◽  
Conventional Banks

Islamic banks have the same functionality conventional banks as intermediaries of financial services (financial intermediary), has a fundamental duty to collect funds from the public and channeled back to the community in the form of financing facilities. Fund raising is done through savings and investments such, wadiah deposits, savings and time deposits. The distribution of funds is done with some kind of contract as, murabahah, istishna, mudharabah, musyarakah, ijarah, and salam. The purpose of this research is to determine the effect of Third party funds (DPK), profit margin, wadiah certificate of Indonesian Bank (SWBI), return on assets (ROA), and non performing financing (NPF) to murabahah financing. Object in the reserach is Bank Syariah Mandiri and Bank Muamalat Indonesia period 2009-2013. The result of analysis showed by simultan DPK, profit margin, SWBI, ROA, and NPF effect to murabahah financing. Predictive ability of the five variables to financing is 98.7% which is indicated by the amount of adjusted R2 and the rest is influenced by other variables. DPK, and ROA partially positive effect to murabahah financing. SWBI negatively affect to murabahah financing. The profit margin is not a positive influence to murabahah financing and NPF does not negative affect to murabahah financing.

scholarly journals Modal Intelektual Dan Kinerja Maqashid Syariah Perbankan Syariah Di Indonesia

2019 ◽  
Vol 6 (1) ◽  
pp. 5-18
Author(s):  
Mohammad Iqbal Bagus Ramadhan ◽  
Ahim Abdurahim ◽  
Hafiez Sofyani
Keyword(s):  
Human Capital ◽  
Data Analysis ◽  
Central Bank ◽  
Intellectual Capital ◽  
Financial Services ◽  
Positive Influence ◽  
Regression Method ◽  
Islamic Banking ◽  
Structural Capital ◽  
Multiple Regression Method

This study aims to analyze the influence of Islamic banking-intellectual capital (ib-vaic) covered; capital employed, human capital, and structural capital, toward maqashid shariah performance in Islamic Banking in Indonesia. This study used all (44 banks) Islamic banking that listing in Bank Indonesia (Central Bank of Indonesia) and Otoritas Jasa Keuangan (Financial Services Authority). Data analysis used SPSS (Statistical Product and Service Solutions) with multiple regression method. The results reveal that Islamic banking-human capital have positive influence on maqashid shariah performance. However, Islamic banking-capital employed and structural capital do not have influence on maqashid shariah performance.

scholarly journals ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI KEBERHASILAN LELANG EKSEKUSI HAK TANGGUNGAN PADA KANTOR PELAYANAN KEKAYAAN NEGARA DAN LELANG PALU (2015 - SEPTEMBER 2016)

2019 ◽  
Vol 19 (1) ◽  
Author(s):  
Agus Susanto ◽  
Tri Oldy Rotinsulu ◽  
George M.V. Kawung
Keyword(s):  
Logit Model ◽  
Income Tax ◽  
Regression Method ◽  
Real Property ◽  
Factors Influencing ◽  
Multiple Regression Method ◽  
Debt Recovery ◽  
The City ◽  
Research Show ◽  
Significant Factors

ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI KEBERHASILAN LELANG EKSEKUSI HAK TANGGUNGAN PADA KANTOR PELAYANAN KEKAYAAN NEGARA DAN LELANG PALU (2015 - SEPTEMBER 2016) Agus Susanto, Tri Oldy Rotinsulu, George M.V. Kawung Fakultas Ekonomi dan Bisnis, Magister Ilmu EkonomiUniversitas Sam Ratulangi, Manado ABSTRAKPenelitian ini bertujuan untuk mengetahui faktor-faktor yang mempengaruhi keberhasilan  (laku terjual atau tidak laku terjual) lelang  eksekusi  hak  tanggungan  obyek  property riil di KPKNL Palu. Penelitian ini penting dilakukan karena keberhasilan lelang eksekusi hak tanggungan di KPKNL Palu relatif rendah dan keberhasilan lelang secara langsung akan meningkatkan debt recovery serta penerimaan negara seperti bea lelang, pajak penghasilan pasal 25, dan BPHTB.Data  yang  diteliti  berupa  risalah  lelang  eksekusi  hak  tanggungan  di KPKNL Palu yang terletak di Kota Palu dari tahun 2015 sampai dengan September 2016 dengan mengambil sampel sebanyak 200 transaksi lelang. Metode analisis yang digunakan adalah analisis berganda binari dengan menggunakan model logit.Hasil penelitian menunjukkan bahwa faktor faktor yang berpengaruh positif dan signifikan terhadap  hasil  lelang  eksekusi  hak  tanggungan  di  KPKNL  Palu adalah lokasi, aksesibilitas, penyelenggara pra lelang dan cara penawaran lelang. Kata Kunci : Keberhasilan lelang eksekusi Hak Tanggungan, Hasil Lelang, Laku atau Tidak             Laku terjual, Properti Riil ABSTRACTThis study aims to determine the factors that influence the success (sold or not sold) mortgage auction of real property objects in KPKNL Palu. This research is important because the success of real property mortgage auction in KPKNL Palu relatively low and the success of the auction will directly will increase debt recovery and also state revenues such as auction fee, income tax and real estate tax.The data used in this research consist of  real property mortgage auction in KPKNL Palu located in the city of Palu from 2015 until September 2016 by taking a sample of 200 transactions auction. The binary multiple regression method with logit model used to analysis in this researchThe result of this research show that significant factors influencing mortgage auction outcome in KPKNL Palu are location, accessibility,  pre-auctioning houses and way bidding. Keywords : Succesfull of Mortage Auctions, Auction Results, Sold or Unsold, Real Property

scholarly journals Relating Cost Efficiency and Profitability of Merged Firms in the Kenyan Financial Services Industry

2016 ◽  
Vol 11 (7) ◽  
pp. 138
Author(s):  
Agnes Ogada ◽  
George Achoki ◽  
Amos Njuguna
Keyword(s):  
Financial Services ◽  
Cost Efficiency ◽  
Economies Of Scale ◽  
Panel Data Analysis ◽  
Empirical Studies ◽  
Secondary Data ◽  
Primary Data ◽  
Financial Services Industry ◽  
Return On Assets ◽  
Services Industry

<p>Theory holds that firms merge to benefit from economies of scale, diversification and synergy, which are realized through cost efficiency. Empirical studies on the other hand report mixed findings with regard to the theoretical underpinnings given the changing financial and technological environment. This paper sought to determine the cost efficiency ratios of merged firms in the Kenyan financial services industry and establish the effect that those ratios have on profitability (inferred using the rates of return on assets and equity). Using a mixed research design, pre and post-merger secondary data was collected from 41 firms in the Kenyan financial services industry that had concluded their merger processes by 31 December 2013. Primary data was used to explain the results of the secondary data. Panel data analysis was used to determine the change in the study variables and trends over between 2009 and 2013, event window (pre-merger and post-merger) analysis was used to test the difference in cost efficiency means before and after the merger while regression analysis was used to determine the relationship between cost efficiency and profitability. Results indicate that cost efficiency improved after merger and resulted to the growth in the rate of return on assets and equity, which was attributed to the efficiency in the use of labour, financial resources and managerial effort.</p>

scholarly journals Analysis of Factors Affecting The Disclosure of Islamic Social Reporting (Empirical Studies on The Shariah Compliant Companies in The Sharia Securities List).

2017 ◽  
Vol 20 (1) ◽  
pp. 103 ◽  
Author(s):  
Peni Nugraheni ◽  
Ristina Wijayanti
Keyword(s):  
Empirical Evidence ◽  
Sampling Method ◽  
Empirical Studies ◽  
Analytical Techniques ◽  
Regression Method ◽  
Social Reporting ◽  
Company Size ◽  
Factors Affecting ◽  
Industry Type ◽  
Multiple Regression Method

The aim of this study is to obtain empirical evidence about factors that affect Islamic Social Reporting (ISR) in the Sharia compliant companies in Indonesia. The factors that used in this study are: company size, profitability, industry type, and ownership of Islamic securities. Measurement of Islamic Social Reporting is based on the Islamic Social Reporting Index developed by Othman (2010). The sampling method in this study is purposive sampling using companies that listed in Sharia Securities List on the year 2013. The analytical techniques was conducted by multiple regression method which showing that company size influences positively the Islamic Social Reporting (ISR) disclosure, meanwhile profitability, industry type, and Islamic securities ownership have no significant effect to the Islamic Social Reporting (ISR) disclosure in Indonesian Sharia Compliant companies  

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