scholarly journals Komparasi Fee Based Income pada Bank Konvensional dan Bank Syariah di Indonesia (Studi Laporan Keuangan)

2019 ◽  
Vol 4 (2) ◽  
pp. 128
Author(s):  
Fitria Ayu Lestari Niu ◽  
Youlanda Hasan
Keyword(s):  
Foreign Exchange ◽  
Secondary Data ◽  
Islamic Banks ◽  
Financial Reports ◽  
Operating Income ◽  
Average Proportion ◽  
Conventional Banks ◽  
Bank Group ◽  
Exchange Transactions ◽  
Conventional Bank

Fee-based income which is another operating income is proportional to the banking operational income. The elements of operating income included in the group fee based income are commission and provision income, income from foreign exchange or foreign exchange transactions and other operating income. This study aims to describe the comparison of the acquisition of fee-based income in conventional banks and Islamic banks by using secondary data in the form of financial reports in 2014-2015 which were analyzed for comparison using ananalysis intercompany basis through a descriptive quantitative approach. The results showed that the comparison of fee-based income in the conventional bank group was surpassed by Bank Mandiri, which was able to achieve the highest fee-based income compared to BRI and BNI in the 2014-2018 period. Whereas the sharia bank group was outperformed by Bank Syariah Mandiri with the highest fee-based income compared to BRIS and BNIS in the 2014-2018 period. The acquisition of fee-based income in the conventional bank group compared to Islamic banks was outperformed by Conventional Banks namely Bank Mandiri, which each year significantly won the fee-based income highest. Whereas in the proportion of fee-based income to operating income at conventional banks, Bank Mandiri was still in the first position with the highest proportion of 28.61%, followed by BNI in the second position and BRI in the third position. As for Islamic banks, the average proportion of fee-based income to operating income was also occupied by Bank Syariah Mandiri with a gain of 12.89%, followed by BRIS in the second position with 4.84% and the last BNIS of 3.71%. 

scholarly journals Analysis of Indonesian Islamic and Conventional Banking Before and After 2008

2016 ◽  
Vol 8 (11) ◽  
pp. 193 ◽  
Author(s):  
Arfianti Novita Anwar
Keyword(s):  
Secondary Data ◽  
Rank Test ◽  
Islamic Banking ◽  
Positive Contribution ◽  
Islamic Banks ◽  
Significant Difference ◽  
Before And After ◽  
Signed Rank Test ◽  
The Law ◽  
Conventional Banks

<p>This study aims to analyze the performance of Islamic banks and conventional banks before and after the implementation of Islamic Banking Act 2008. The performance will be measured using CAMEL ratio selected. This research is considered essential in examining the positive contribution of the application of the Act to improve the performance of Islamic banks in Indonesia. By using secondary data, this study compared the performance of Islamic banks with that conventional bank selected as samples during the study period. Data were analyzed using the Wilcoxon Signed Rank Test for inter-temporal and Mann-Whitney test for inter-bank. Inter-temporal Tests conducted on Islamic Banking showed that a significant difference was only seen in the NPF ratio of 2 years before and after implementation of Islamic Banking Act. As for conventional banks showed a more diverse ie for 1 year before and after the application of the Law on Islamic Banking there are significant differences for the ROA and ROE, two years before and after implementation of the Law Islamic banking there are significant differences for the CAR, ROA, ROE and NIM and for the overall test a significant difference to CAR, ROA, ROE, NIM and efficiency. Inter-bank testing showed that prior to the application of Islamic Banking Act there are significant differences between conventional banks and Islamic banks to CAR, ROA and efficiency. Furthermore, after the application of Islamic Banking Act there is a significant difference for the CAR and LDR / FDR.</p>

scholarly journals Analisis Perbandingan Kinerja Keuangan Dan Ekonomi Sosial Bank Syariah Antara Sebelum Dan Sesudah Ditetapkannya Fatwa MUI Tentang Haramnya Bunga Bank

2017 ◽  
Vol 3 (12) ◽  
pp. 973
Author(s):  
Lia Auliah Rachmah ◽  
Nisful Laila
Keyword(s):  
Social Performance ◽  
Secondary Data ◽  
T Test ◽  
Quantitative Approach ◽  
Islamic Banks ◽  
Financial Reports ◽  
Significant Difference ◽  
Before And After

This study aims to find out the comparison between the performance of Islamic Banks including financial performances such as the ratio of ROA, ROE, FDR and CAR as wells economic and social performance such as MMR ratio before and after the determination of fatwa regarding the prohibition against bank interest. Quantitative approach and independent sample t-test has been used in this study. The data is a secondary data which was obtained by collecting the annual financial reports. The result of the independent sample t-test shows that there are significant differences between the performance of the Islamic banks before and after the fatwa on the ratio of ROE, FDR and MMR. Whereas on the ratio of ROA and CAR have no significant difference before and after the fatwa.

Analisis Faktor-Faktor Yang Mempengaruhi Jumlah Dana Pihak Ketiga Pada Bank Umum Syariah Di Indonesia (Periode Triwulan I 2010-Triwulan I 2015)

2017 ◽  
Vol 3 (10) ◽  
pp. 800
Author(s):  
Wardati Mumtazah ◽  
Dina Fitrisia Septiarini
Keyword(s):  
Regression Analysis ◽  
Panel Data ◽  
Quantitative Method ◽  
External Factor ◽  
Secondary Data ◽  
Profit Sharing ◽  
Islamic Banks ◽  
Internal Factors ◽  
Financial Reports ◽  
Analysis Technique

The purpose of this research is to know whether the internal factors of Islamic Banks (profit sharing and bonus and promotion cost), and external factor of Islamic Banks (inflation) have significant effect, both simultaneously and partially, to the amount of third-party’s funds Islamic Bank in 1st quarterly of 2010 – 1st quarterly of 2015 period. The method used in this research is quantitative method and also using the secondary data which obtained from financial reports and other reports started from in 1st quarterly of 2010 – 1st quarterly of 2015. The population is Islamic Banks in Indonesia. The choosing of sample was done with using sampling purposive method and there are 6 Islamic Banks that comply with the specified sample criteria. Analysis technique used is multiple linier regression analysis of panel data.

scholarly journals Pengaruh Zakat terhadap Kinerja Perusahaan (Studi Empiris pada Bank Umum Syariah di Indonesia)

2017 ◽  
Vol 13 (2) ◽  
pp. 344
Author(s):  
Rika Febby Rhamadhani
Keyword(s):  
Corporate Performance ◽  
Secondary Data ◽  
Sampling Technique ◽  
Financial Statements ◽  
Islamic Banks ◽  
Technical Documentation ◽  
Financial Reports ◽  
Taxable Income ◽  
Simple Regression Analysis ◽  
Simple Regression

This study aims to determine and analyze the effect zakat on corporate performance in sharia banks in Indonesia. The data used in this research are secondary data obtained from the financial statements of each site Islamic Banks in Indonesia gathered through technical documentation in the form of documents and annual financial reports and other data related to this study. The sampling technique used purposive sampling and analytical methods used simple regression analysis. These results indicate significant influence between zakat on the corporate performance in sharia banks in Indonesia. This study recommend are the corporate does not to be afraid of issuing zakat, because in Islam, Allah already guarantee that Zakat issued will not reduce property and zakat is also an expense that can be deducted for taxable income and further research is expected to add the study period and a number of larger samples in order to obtain more accurate research results

scholarly journals Productivity Comparation of Islamic and Conventional Banks in Indonesia

2020 ◽  
Vol 4 (1) ◽  
pp. 69
Author(s):  
Marhanum Che Mohd Salleh ◽  
Lina Nugraha Rani
Keyword(s):  
Technological Change ◽  
Total Factor Productivity ◽  
Banking Industry ◽  
Secondary Data ◽  
Financial Statements ◽  
Malmquist Productivity Index ◽  
Productivity Index ◽  
Islamic Banks ◽  
Factor Productivity ◽  
Conventional Banks

This study aimed to compare the productivity performance of Islamic and Conventional Banks in Indonesia with the Total Factor Productivity Index (TFPCH) indicator. The sample of this study was 14 banks consisting of 7 Islamic Banks and 7 Conventional Banks from 2011-2018. Secondary data were obtained from the annual financial statements of each sample. To measure the total factor productivity index (TFPCH), the Malmquist Productivity Index (MPI) was used as a measure of productivity. It found that the productivity of Conventional Banks was slightly superior compared to Islamic Banks, with contributions from Technical / Technological Change (TECHCH) being the most influential component in the TFPCH composition. Further, there was an indication of a technical increase in both types of banks during the period. The results of this study implied banking industry players to increase their efficiency particularly the usage of technology in providing efficient services to users.

scholarly journals Analisis Faktor Spesifik Bank Terhadap Non Performing Loan Pada Bank Umum Konvensional Yang Terdaftar Di Bursa Efek Indonesia

Owner ◽  
2022 ◽  
Vol 6 (1) ◽  
pp. 43-55
Author(s):  
Meily Juliani
Keyword(s):  
Secondary Data ◽  
Capital Adequacy ◽  
Annual Reports ◽  
Return On Equity ◽  
Operating Income ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Specific Factors ◽  
Conventional Banks ◽  
Interest Margin

The purpose of this research is to analyze the effect of bank specific factors on non-performing loan on public conventional banks. The dependent variable studied was the non-performing loan and independent variables examined were capital adequacy ratio, bank size, loan to deposit ratio, net interest margin, return on equity, operating expenses to operating income, and earning per share.  The secondary data obtained from the annual reports submitted in the IDX. Sample consist of 32 public conventional banks listed in IDX in the period of 2012-2017. The result of this study indicate that bank size and net interest margin has a positive and significant impact on non-performing loan. While return on equity showed a negative and significant impact on non-performing loan. The result of this study also showed that capital adequacy ratio, loan to deposit ratio, operating expenses to operating income and earning per share did not have any significant impact on non-performing loan.

scholarly journals FINANCING COMPARISON OF UMKM CONVENTIONAL BANKS AND SYARIAH BANKS IN INDONESIA

2020 ◽  
Vol 20 (2) ◽  
pp. 99
Author(s):  
Ela Elliyana ◽  
Irmah Halimah Bachtiar
Keyword(s):  
Commercial Bank ◽  
Financial Services ◽  
Small And Medium Enterprises ◽  
Bank Lending ◽  
Islamic Banks ◽  
Test Technique ◽  
Homogeneous Groups ◽  
Conventional Banks ◽  
Bank Group ◽  
Medium Enterprises

<p>The purpose of this study was to compare the increase in lending for Micro, Small and Medium Enterprises (UMKM) by Islamic banks and conventional banks after determining the minimum percentage of UMKM credit distribution from the total ceiling of commercial bank lending through Bank Indonesia Regulation (PBI) Number 17/12 /PBI/ 2015, where the mandatory amount of commercial bank lending applies gradually at 5% in 2015 to 20% in 2018. Using quantitative data sourced from the Financial Services Authority (OJK) using the parametric inferential statistical method with the independent T-Test technique, in two homogeneous groups that have no relationship, namely the Islamic bank group and the conventional bank group. The result is that the average increase in the amount of UMKM lending in Islamic banking is greater than that of conventional banks.</p>

scholarly journals Mengukur Kinerja Pra Merger Tiga Bank Umum Syariah dan Pengaruhnya Terhadap Return on Asset

2021 ◽  
Vol 8 (1) ◽  
pp. 70-78
Author(s):  
Hanif Artafani Biasmara ◽  
Pande Made Rahayu Srijayanti
Keyword(s):  
Financial Performance ◽  
Commercial Banks ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Third Party ◽  
Return On Assets ◽  
Financial Reports ◽  
Operating Income ◽  
Performance Variables ◽  
Capital Adequacy Ratio

Abstrak  - Pada tahun 2020, telah ditetapkan pelaksanaan merger antara tiga Bank Umum Syariah yang merupakan anak perusahaan dari Bank Badan Usaha Milik Negara (BUMN). Dimana ketiga bank tersebut adalah PT Bank Syariah Mandiri, PT Bank BRIsyariah, Tbk, dan PT Bank BNI Syariah. Penelitian ini dilakukan untuk mengukur kinerja keuangan ketiga bank tersebut sebelum dilakukannya merger dan pengaruhnya terhadap Return on Asset (ROA). Dalam penelitian ini, kinerja keuangan akan diukur dengan variabel Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Biaya Operasional dan Pendapatan Operasional (BOPO), dan persentase pertumbuhan Dana Pihak Ketiga (DPK). Data yang digunakan dalam penelitian ini merupakan data sekunder yang diperoleh melalui laporan keuangan tahunan dari masing-masing bank dengan periode tahun 2015-2019. Dimana data diolah dan dianalisis dengan menggunakan Regresi Linear Data Panel melalui perangkat lunak Stata 16. Kinerja ketiga Bank Umum Syariah sebelum dimerger menunjukkan hasil yang baik. Selama lima tahun terakhir CAR dan NPF memiliki kinerja yang memuaskan. FDR dan BOPO berada sedikit melenceng dari batas minimum ataupun maksimum. Berikutnya, pertumbuhan DPK rata-rata sebesar 15, 89333%. Seluruh variabel kinerja bank tersebut setelah dilakukan pengolahan data, menunjukkan bahwa variabel CAR, FDR, NPF, BOPO, dan pertumbuhan DPK bersama-sama memiliki pengaruh signifikan terhadap ROA. Sedangkan secara parsial, CAR, NPF, dan pertumbuhan DPK tidak memiliki pengaruh signifikan terhadap ROA. Tetapi FDR dan BOPO memiliki pengaruh signifikan terhadap ROA. Dimana melalui penelitian ini diharapkan dapat menjadi pertimbangan bagi PT Bank Syariah Indonesia Tbk dalam upaya memperoleh kinerja yang baik dan pertumbuhan profitabilitas yang tinggiKata Kunci: CAR, FDR, NPF, BOPO, Pertumbuhan DPK, ROA, Bank Umum Syariah Abstract - In 2020, the implementation of a merger between three Islamic Commercial Banks which are subsidiaries of the State-Owned Enterprise (BUMN) Bank has been determined. Where the three banks are PT Bank Syariah Mandiri, PT Bank BRIsyariah, Tbk, and PT Bank BNI Syariah. This research was conducted to measure the financial performance of the three banks before the merger, and their effect on Return on Assets (ROA). In this study, financial performance will be measured by the variable Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non-Performing Financing (NPF), Operational Costs and Operating Income (OEOI), and the percentage growth in Third Party Funds (TPF).The data used in this study is secondary data obtained through the annual financial reports of each bank for the period 2015-2019. Where the data is processed and analyzed using Linear Data Panel regression through Stata 16. The performance of the three Islamic Commercial Banks before the merger showed good results. Over the last five years, CAR and NPF have performed satisfactorily. FDR and BOPO have slightly deviated from the minimum or maximum limits. Next, the growth in deposits was an average of 15.89333%. All of these bank performance variables, after data processing, show that the variables CAR, FDR, NPF, OEOI, and TPF growth together have a significant effect on ROA. Meanwhile, partially, CAR, NPF, and TPF growth have not a significant effect on ROA. However, FDR and BOPO have a significant effect on ROA. Where through this research it is hoped that in the future it can be a consideration for PT Bank Syariah Indonesia, Tbk to obtain good performance and high profitability growth.Keywords: CAR, FDR, NPF, OEOI, TPF Growth, ROA, Islamic Commercial Banks

scholarly journals PENGARUH PEMBIAYAAN PERBANKAN BANK UMUM SYARIAH TERHADAP PDRB PROVINSI DI INDONESIA TAHUN 2010-2019

2021 ◽  
Vol 8 (1) ◽  
pp. 8
Author(s):  
Rifka Putri Ramadhanty ◽  
Ilmiawan Auwalin
Keyword(s):  
Economic Growth ◽  
Secondary Data ◽  
Regression Method ◽  
Panel Regression ◽  
Islamic Banks ◽  
Production Activity ◽  
Consumption Activity ◽  
Conventional Banks ◽  
Regional Product ◽  
Positive Effect

ABSTRAKPenelitian ini bertujuan untuk mengetahui pengaruh pembiayaan perbankan umum syariah terhadap PDRB provinsi di Indonesia pada tahun 2010-2019. Penelitian ini menggunakan pendekatan kuantitatif berjenis eksplanatori dan teknik yang digunakan adalah analisis regresi berganda dengan menggunakan regresi data panel. Data pada penelitian ini adalah berjenis data sekunder yang didapatkan melalui Badan Pusat Statistik Indonesia (BPS), Bank Indonesia (BI), dan Otoritas Jasa Keuangan (OJK). Data dalam penelitian mencakup data tingkat provinsi pada 33 provinsi di Indonesia. Hasil penelitian secara simultan menunjukkan bahwa pembiayaan bank umum syariah, kredit bank umum konvensional, inflasi, dan jumlah populasi secara statistik berpengaruh secara signifikan terhadap PDRB provinsi di Indonesia pada tahun 2010-2019. Sedangkan secara parsial, pembiayaan bank umum syariah secara statistik berpengaruh negatif namun tidak signifikan terhadap PDRB hal ini dikarenakan nominal pembiayaan yang dilakukan bank syariah masih kecil dan cenderung bersifat untuk kegiatan konsumsi sehingga kurang memberikan pengaruh yang optimal pada PDRB. Dapat disimpulkan peran dari bank syariah masih belum optimal pada PDRB. Variabel kredit bank umum kovensional secara statistik berpengaruh positif signifikan terhadap PDRB. Sedangkan variabel inflasi secara statistik berpengaruh negatif namun tidak signifikan terhadap PDRB dan luas wilayah secara statistik beperngaruh positif namun tidak signifikan. Kata Kunci: Pembiayaan bank umum syariah, Pertumbuhan Ekonomi, PDRB. ABSTRACTThis study aims to determine the effect of finance of finance of islamic banks and gross domestic regional product in Indonesia 2010-2019. This study used quantitative approach which is explanatory research with data panel regression method. Data used in this study as secondary data which collacted from Badan Pusat Statistik (BPS), Bank Indonesia (BI), and Otoritas Jasa Keuangan (OJK). This study uses data from 33 provinces. The result from this study are simultaneously, finance of islamic banks, credit of conventional banks, inflation, and population have a significant effect on GDRP. Partially, finance of islamic banks has a negetive effect on GDRB but it’s not sigficantly. It because less financing from Islamic bank is distributted for production activity than consumption activity. Other hand, less nominal of financing from Islamic than conventional bank. The credit of conventional banks has a positif and significant effect on GDRP. The inflation has a negative but not significant effect on GDRP, while population has positive effect but it’s not significant on GDRP. Keywords: Finance of Islamic Banks, Economic Growth, GDRP.

COD(COMMUNITY ORGINIZING DEVELOPMENT): OPTIMALISASI MIKRO FINANCING BANK UMUM SYARIAH (BUS) DI INDONESIA DALAM PENGEMBANGAN STARTUP BUSINESS (UMKM)

2017 ◽  
Vol 4 (2) ◽  
pp. 237-262
Author(s):  
Apri Suhartanto
Keyword(s):  
Market Share ◽  
Secondary Data ◽  
Islamic Banking ◽  
Positive Trend ◽  
Islamic Banks ◽  
Financial Industry ◽  
Financial Service Authority ◽  
Banking Market ◽  
Persistence Factors ◽  
Conventional Bank

Industri keungan syariah dari tahun ketahun menunjukan tren yang sangat positif. OJK merilis market share perbankan syariah diangka 5%. Salah satu faktor bertahannya perbankan syariah adalah produk pembiayaan. Pembiayaan sebagai jantung dari suatu perbankan. Dan pembiayaan mikro menjadi andalan perbankan dalam menjamah nasabah sampai kepada pelosok desa. Namun, masih kurangnya pendampingan yang dilakukan Bank Umum Syariah menjadikan pembiayaan ini diujung tanduk. Penelitian ini bertujuan untuk menganalisa bagaimana optimalisasi pembiayaan mikro di bank umum syariah dalam pengembangan bisnis UMKM nasabah mikro. Penelitian ini merupakan jenis penulisan deskriptif dengan pendekatan kualitatif. Adapun jenis data yang digunakan dalam penelitian ini adalah data sekunder. Teknik pengumpulan data dalam penelitian ini yaitu dengan menggunakan studi pustaka dan dokumenter.Hasil dan pembahasan adalah dengan melakukan teknik COD (Community Orginizing Development) yaitu adanya mentoring bisnis yang dilakukanoleh perbankan syariah itu sendiri atau dengan lembaga mitra bank umum syariah kepada nasabah pembiayaan mikro. Sharia financial industry shows a very positive trend from year to year. FSA (Financial Service Authority) has released Islamic banking market share of 5%. One of the persistence factors of Islamic banking is financing products, which is the heart of banking, and microfinance becomes a mainstay in serving its customer in the countryside. However, the lack of mentoring run by sharia division of convensional banks has made it not well developed. This study was aimed at analyzing the optimization of micro-financing in syaria division of conventional bank in the business development of SMEs micro customers. This is a descriptive qualitative research and the data used in this research were secondary data. Data were collected through literary and documentary study. This research found that the optimalization of micro financing in Islamic banks was done through COD (Organizing Community Development), i.e., the business mentoring done by the Islamic banking itself or by a partner institution of syaria division of conventional bank to microfinance customers.

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