scholarly journals Faktor - Faktor Yang Mempengaruhi Penyaluran Pembiayaan Perbankan Syariah Indonesia Periode 2009 - 2019

2019 ◽  
Vol 1 (1) ◽  
pp. 1
Author(s):  
Warto Warto ◽  
R Bambang Budhijana
Keyword(s):  
Commercial Bank ◽  
Optimal Growth ◽  
Third Party ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Business Unit ◽  
Significance Level ◽  
Bank Financing ◽  
Analysis Technique ◽  
Research Period

Compared to conventional banking, the distribution of Islamic banking financing is more optimal, growth is continuous and asset enhancement is very good. This is indicated by the Financing to Deposit Ratio (FDR) which ranges between 94.88%. This means that a Sharia Bank is able to meet the targets and expectations of Bank Indonesia. Given the lack of Islamic banks and their limited assets, this optimization is certainly influenced by many factors, therefore it is necessary to test the factors that influence the distribution of Islamic banking financing, which includes Third Party Funds (DPK), Non Performing Financing (NPF) and Bank Indonesia Syariah Certificate (SBIS). This study uses the Sharia Commercial Bank and the Sharia Business Unit as a whole as a unit of research object, with the research period from 2009-2019 (in the quarterly period). The analysis technique used is multiple linear regression, while hypothesis testing uses the t-test to test the effect of variables partially, and the F-test to test the effect of variables simultaneously with a significance level of 5% or 0.05. Based on the research, it was found that Third Party Funds (TPF) had a positive and significant effect on the distribution of Islamic Banking financing. Non Performing Financing (NPF) has a positive and insignificant effect on the distribution of bank financing. While Sharia Bank Indonesia Certificates (SBIS) have a negative and significant effect on the distribution of bank financing.

scholarly journals Analysis of Tawhidi String Relation (TSR) Towards Factors that Affect the Distribution of Financing of Sharia Banking in Indonesia Period 2009-2019

2020 ◽  
Author(s):  
Ahmad Warto ◽  
R. Bambang Budhijana
Keyword(s):  
Banking Industry ◽  
Hypothesis Test ◽  
Third Party ◽  
Islamic Banking ◽  
Business Unit ◽  
Significance Level ◽  
Bank Financing ◽  
Analysis Technique ◽  
Negative Effect ◽  
Research Period

Abstract This study uses the Sharia Commercial Bank and Sharia Business Unit as a whole as a unit of research object, with the research period from 2009-2019 (on a quarterly basis). The analysis technique used is multiple linear regression, while the hypothesis test uses t-test to partially test the effect of variables, and the F-test to test the effect of variables simultaneously with a significance level of 0.05. To find out the relation process used Tawhidi String Relation (TSR) analysis based on Unity, Correlation and Evolution. Based on the research, the results show that Third Party Funds (TPF) have a positive and significant effect on the distribution of Islamic Banking financing. Non Performing Financing (NPF) has a positive and not significant effect on the distribution of bank financing. While Bank Indonesia Sharia Certificates (BISC) have a negative and significant effect on the distribution of bank financing. Based on the TSR analysis, it was concluded that BISC had a negative effect on all variables used in this study, both: DF, TPF and NPF. Therefore, this research can be a criticism for the Islamic banking industry in channeling financing in the form of BISC.

scholarly journals ANALISIS TAWHIDI STRING RELATION (TSR) TERHADAP FAKTOR-FAKTOR YANG MEMPENGARUHI PENYALURAN PEMBIAYAAN PERBANKAN SYARIAH INDONESIA 2009-2019

2020 ◽  
Vol 7 (1) ◽  
pp. 1
Author(s):  
Warto A.S ◽  
R Bambang Budhijana
Keyword(s):  
Linear Regression ◽  
Multiple Linear Regression ◽  
Commercial Bank ◽  
Banking Industry ◽  
Third Party ◽  
Islamic Banking ◽  
Business Unit ◽  
Bank Financing ◽  
Analysis Technique ◽  
Negative Effect

This study uses the Sharia Commercial Bank and Sharia Business Unit as a whole as the object of research from the period 2009-2019 (quarterly). The analysis technique used is multiple linear regression. To find out the relation process used Tawhidi String Relation (TSR) analysis based on unity, correlation and evolution. Based on the research, the results show that Third Party Funds (TPF) have a positive and significant effect on the distribution of Islamic Banking financing. Non Performing Financing (NPF) has a positive and not significant effect on the distribution of bank financing. While Bank Indonesia Sharia Certificates (BISC) have a negative and significant effect on the distribution of bank financing. Based on the TSR analysis, it was concluded that BISC had a negative effect on all variables used in this study, both: DF, TPF and NPF. Therefore, this research can be a criticism for the Islamic banking industry in channeling financing in the form of BISC.

scholarly journals A META-ANALYSIS OF THE DETERMINANT OF THIRD PARTY FUND ON ISLAMIC BANKING IN INDONESIA

2020 ◽  
Vol 6 (2) ◽  
pp. 175
Author(s):  
Diyas Indiastary ◽  
Noven Suprayogi ◽  
Imam Wahyudi Indrawan
Keyword(s):  
Interest Rate ◽  
Time Variation ◽  
Meta Analysis ◽  
Third Party ◽  
Google Scholar ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Analysis Technique ◽  
Equivalent Rate ◽  
The Relationship

This research attempts to study the determinants of third party funds on the Islamic banking in Indonesia with eight years of research from published journals in Indonesia. To reach the above objectives, investigation to check the relationship between promotion cost, inflation, GDP, interest rate, number of offices, and equivalent rate to third party funds on the Islamic banking in Indonesia is conducted. This research applies the meta-analysis technique to a sample of 34 articles with time variation from 2010-2018. The articles used are selected studies from Sinta Journal and Google Scholar databases. This research shows that promotion cost, number of offices, and equivalent rate have a significant correlation with third party funds on the Islamic banking in Indonesia. Meanwhile, inflation, GDP, and interest rate have no significant correlation with third party funds on the Islamic banking in Indonesia. The Findings from this study imply that if Islamic banks in Indonesia wish to enhance their third party fund, they must focus on internal indicators (promotion cost, number of offices, and equivalent rate), rather than looking at macro indicators.

scholarly journals KAJIAN LAYANAN PERBANKAN SYARIAH DALAM MENCIPTAKAN KEPUASAN NASABAH PENYIMPAN DALAM UPAYA MENGOPTIMALKAN KONDISI LIKUIDITAS

2019 ◽  
Vol 9 (2) ◽  
pp. 103-114
Author(s):  
Lely Savitri Dewi
Keyword(s):  
Third Party ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Business Unit ◽  
Fund Management ◽  
Short Term ◽  
The Law ◽  
The Republic ◽  
Conventional Banks ◽  
Support Fund

The Birth of the Law of the Republic of Indonesia No. 10 of 1998 concerning Amendments to the Law of the Republic of Indonesia No. 7 of 1992 concerning Banking has provided a huge opportunity for the growth of Islamic banks in Indonesia, both Sharia Commercial Banks and Sharia People's Credit Banks. However, what is unfortunate in this case is that not all people understand and are aware of the ins and outs of Islamic banking practices, so that Islamic banks still have to be vigorous again in conducting socialization and promotion to all people in order to be able to compete with conventional banks in particular who do business development by opening a Sharia Business Unit (SBU). In terms of raising bank funds, banks generally rely on third party funds from customers to support fund distribution activities. Related to this, of course, bank services to customers, especially in fund management activities, must prioritize customer satisfaction so that they are always motivated to deposit their funds in the bank, so that third party fund mobilization is able to compensate for optimal fund distribution which will ultimately improve its liquidity performance through the Finance to Deposits Ratio (FDR). This FDR is used to see how far financing to customers can offset the obligation to immediately meet its short-term debt to customers who want to withdraw their money that has been used by the bank to see the ability and vulnerability of a bank

scholarly journals PENGARUH KEBIJAKAN PEMBIAYAAN DALAM MENINGKATKAN KINERJA KEUANGAN PERBANKAN SYARIAH: STUDI EMPIRIS PADA PERBANKAN SYARIAH DI INDONESIA

2017 ◽  
Vol 12 (1) ◽  
Author(s):  
Sutrisno Sutrisno
Keyword(s):  
Financial Performance ◽  
Firm Size ◽  
Control Variable ◽  
Third Party ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Significance Level ◽  
Return On Equity ◽  
Financing Decisions ◽  
Net Profit

The development of Islamic banking in Indonesia is characterized by rapidly increasing assets, third party funds, and financing. Islamic banks as financial intermediaries are required to be able to distribute the funds in the form of financing to communities who need of funds. Due to the funding provided is supposed to increase bank profits. The purpose of this study is to analyze and examine the role of financing decisions to financial performance on Islamic banking. In this study the financial performance measured by return on equity (ROE) and Net Profit Margin (NPM) as the dependent variable, while the independent variables are cinsist of mudharaba financing (MUD), Musharaka financing (MUS), murabaha financing (MUR), Ijara financing (IJR), and qordul hasan financing (QORD). We also use firm size as a control variable. Samples in this study were eight islamic banks in Indonesia. We use multiple regression analyzes with the aid program as E-views, with a significance level of 5%. The results showed that variable of musharaka financing, murabaha financing, and firm size have a significant effect on profitability. While variable of mudaraba financing, ijara financing and qord financing no significant effect on islamic bank performance.

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 Analisis Pendapatan Non Halal Perbankan Syariah Di Indonesia: Sumber Dan Penggunaannya

2019 ◽  
Vol 4 (2) ◽  
pp. 159
Author(s):  
Rudy Hartanto ◽  
Irena Paramita Pramono ◽  
Pupung Purnamasari
Keyword(s):  
Commercial Bank ◽  
Financial Institutions ◽  
Banking Industry ◽  
Total Sample ◽  
The Other ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Business Unit ◽  
Other Hand ◽  
Data Documentation

The existence of the regulation for Islamic banking causes it to conduct its activities by the guidance of Islamic principles which avoid some non-halal sources of income. On the other hand, the transactions between Islamic banking and conventional banking are unavoidable because conventional financial institutions still dominate all transactions in each country. This means that non-halal sources of income cannot be avoided, by the way of the transaction is done. This research aims to analyze on the sources of income and its distribution of the non-halal funds of Islamic Banks in Indonesia. This research is quantitative. The method of collecting data documentation uses data from 2015-2017 with a total sample of 102 Islamic banks. The results show that there were differences in the average non-halal funds of Islamic Commercial Banks with Islamic Business Unit Bank. In addition, this study shows that Islamic commercial bank tends to have non-halal funds bigger than Islamic Business Unit Bank. On the other hand, the result shows that non-halal funds sources in the banking industry are dominated by interest income from another conventional bank and the using of non-halal funds is dominated by social activities.

Pengaruh Cost Of Loanable Fund, Overhead Cost, dan Risk Factor Terhadap Tingkat Margin Pembiayaan Berbasis Natural Certainty Contract di Industri Perbankan Syariah

2015 ◽  
Vol 2 (5) ◽  
pp. 441
Author(s):  
Riris Rizky Hayati ◽  
Noven Suprayogi
Keyword(s):  
Risk Factors ◽  
Banking Industry ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Business Unit ◽  
Test Results ◽  
Statistical Tool ◽  
Overhead Cost ◽  
Loanable Fund ◽  
Research Period

The purpose of this study is to find out which of the three component parts were cost of loanable funds, overhead costs and risk factors that have a significant effect in determining the margin rate of natural certainty contracts-based financing in Islamic banking industry. This study uses two natural certainty contracts financing agreement, which is murabaha and istisnaa. This study uses a quantitative approach. The statistical tool used is multiple regression time series. The sample used is the Islamic Banks and Sharia Business Unit which data summarized in statistical reports of Islamic banking. The research period is 2009-2013 years. The results of this study is all three rate component simultaneously affect margin rate of murabaha and margin rate of istisnaa. Partial test results were variable risk factors significantly affect the margin rate of murabaha, and variable overhead costs significantly affect the margin rate of istisnaa

Pendapatan Non Halal Perbankan Syariah di Indonesia: Analisis Sumber dan Penggunaannya

2019 ◽  
Vol 4 (2) ◽  
pp. 51
Author(s):  
Rudy Hartanto ◽  
Irena Paramita Pramono ◽  
Pupung Purnamasari
Keyword(s):  
Commercial Bank ◽  
Financial Institutions ◽  
Banking Industry ◽  
Total Sample ◽  
The Other ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Business Unit ◽  
Other Hand ◽  
Data Documentation

The existence of the regulation for Islamic banking causes it to conduct their activities by the guidance of Islamic principles which avoid some non-halal sources of income. On the other hand, the transactions between Islamic banking and conventional banking are unavoidable because conventional financial institutions still dominate all transactions in each country. Means that non-halal sources of income cannot be avoided, by the way of the transaction is done. This research aims to analyze the sources of income and its distribution of the non-halal funds of Islamic Banks in Indonesia. This research is quantitative. The method of collecting data documentation uses data from 2015-2017 with a total sample of 102 Islamic banks. The results show that there were differences in the average non-halal funds of Islamic Commercial Banks with Islamic Business Unit Bank. In addition, this study shows that Islamic commercial bank tends to have non-halal funds bigger than Islamic Business Unit Bank. On the other hand, the result shows that non-halal funds sources in the banking industry are dominated by interest income from another conventional bank and the using of non-halal funds is dominated by social activities.

scholarly journals Factors Affecting Distribution of Islamic Commercial Bank Financing in Indonesia Period 2014 to 2019

2021 ◽  
Vol 5 (1) ◽  
pp. 1
Author(s):  
Shihabudin Shihabudin ◽  
Sanjoyo Sanjoyo ◽  
Yayan Hendayana
Keyword(s):  
Commercial Bank ◽  
Commercial Banks ◽  
Regression Coefficient ◽  
Capital Adequacy ◽  
Business Unit ◽  
Factors Affecting ◽  
Bank Financing ◽  
Capital Adequacy Ratio ◽  
Research Period

This research background was the decline of financing distribution ratio of Sharia Commercial Banks in Indonesia as seen from the data of the Financing to Deposit Ratio (FDR) during the period of 2014 to 2019. In 2014, the Sharia Commercial Banks FDR was recorded at 86.66%, it went down to 79.10% in 2019, meanwhile according to Bank Indonesia’s regulation in 2019, the intermediation ratio for all banks should be in the range of 84 to 94%.  Compared to Sharia Business Unit and Conventional Commercial Banks, Sharia Commercial Banks, during the research period, had a lower FDR. The low FDR of Sharia Commercial Bank showed that the role of intermediation was sub-optimal and that there was considerable room for finance expansion. Suspected factors affecting the distribution of financing of Sharia Commercial Banks in this researchwere limited to Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Bonus of Bank Indonesia Certificates Syariah (SBIS), and Inflation. The results showed that the CAR, NPF, SBIS, and Inflation variables altogether had a significant effect on Sharia Commercial Bank Financing. While partially, only NPF variable had a significant effect on Sharia Commercial Bank Financing, with a regression coefficient of -2458,047, meaning that each 1% increase in the NPF will reduce Sharia Commercial Bank Financing by 2,458,047 billion Rupiah. The research results implication is that one way to optimize Sharia Commercial Bank financing in Indonesia is to reduce the level of Non-Performing Financing (NPF) at those banks

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