Analysis of Capital Adequacy Ratio, Prime Lending Rate, and Third-Party Funds on Profitability of Commercial Banks in Indonesia, With Liquidity as Intervening Variable

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.

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Effect of Capital Adequacy Ratio, Nonperporming Loan, Third Party Funds on Loan to Deposit Ratio in Private Commercial Banks in Indonesia Stock Exchange

CENDEKIA Journal of Education and Teaching ◽

10.30957/cendekia.v13i2.605 ◽

2019 ◽

Vol 13 (2) ◽

pp. 153-164

Author(s):

Nur Salma ◽

Nur Salma

Keyword(s):

Regression Analysis ◽

Commercial Banks ◽

Annual Report ◽

Stock Exchange ◽

Financial Statements ◽

Capital Adequacy ◽

Third Party ◽

Capital Adequacy Ratio ◽

Private Banks ◽

The Impact

The study aims to analyze the impact of capital adequacy ratio, non-performing loan, third party fund on loan to deposit ratio of the private banks in Bandar Lampung. The sample used in this research were obtained from six private banks in Bandar Lampung. Data obtained based on financial statements Annual Report of Indonesia stock Exchange (IDX) from 2009 to 2014. The method used in this research is the dependent variable and independent, multiple regression analysis and Classical Assumption. Variable used Capital Adequacy Ratio (CAR), Nonperforming Loan (NPL), and Third-Party Fund (DPK) on Loan to Deposit Ratio (LDR). Based on the result of the research showed that the F variable CAR, NPL, and DPK together influential significantly to Loan to Deposit Ratio. The Result of partial T-test CAR negatively influential and significant with significant value is 0.007. NPL is not positively influential and not significant on LDR with significant value is 0,277 while DPK has positive influential and significant value is 0,005. The value of Adjusted R Square the value is 0.266 showed that LDR can explain by variables research as big as 26,6 %, while the rest can be explained by other factors.

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

Moneter - Jurnal Akuntansi dan Keuangan ◽

10.31294/moneter.v8i1.9977 ◽

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

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The Variables that Affect Murābaḥa Financing in Islamic Commercial Banks

International Journal of Nusantara Islam ◽

10.15575/ijni.v4i2.1446 ◽

2017 ◽

Vol 4 (2) ◽

pp. 1-16

Author(s):

Uus Ahmad Husaeni

Keyword(s):

Commercial Banks ◽

Linear Regression Analysis ◽

Sample Selection ◽

Secondary Data ◽

Multiple Linear Regression Analysis ◽

Commercial Banking ◽

Capital Adequacy ◽

Third Party ◽

Return On Assets ◽

Capital Adequacy Ratio

Murābaḥa financing is a type of financing that dominates the financing contract on Islamic banking in Indonesia. This shows that financing on the basis of sale (murābaḥa) has a greater contribution than the financing of the basis for the profit and loss sharing (muḍāraba and muṣāraka). The purpose of this study is to determine the factors that affect the financing of murābaḥa in the Islamic Commercial Banking in Indonesia by using variables Third Party Fund (DPK), Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non-Performing Financing (NPF) and Return on Assets (ROA). The population in this study is the performance of Islamic Commercial Banks in Indonesia in the period of January 2014 to June 2016. The data used in this research is secondary data and sample selection by using purposive sampling method. The analytical tool used in this research is multiple linear regression analysis at significantly the rate of 5%. The results of this study indicate that the variable DPK, CAR, FDR, NPF, and ROA simultaneously have an influence on Murābaḥa. Coefficient determination test results show that the five independent variables affect the dependent variable amounted to 87.6% and the remaining 12.4% is influenced by other variables. Partially DPK, CAR, FDR, and ROA have a positive and significant effect on the financing Murābaḥa. While the NPF has no influence on Murābaḥa financing.

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The Effects Of Non-Performing Loan, Capital Adequacy Ratio, And Third Party Funds On The Credit Distribution Of Commercial Banks Listed In The Indonesia

European Journal of Business and Innovation Research ◽

10.37745/ejbir/vol8.no2.pp56-63.2020 ◽

2020 ◽

Vol 8 (2) ◽

pp. 56-63

Keyword(s):

Commercial Banks ◽

Capital Adequacy ◽

Third Party ◽

Capital Adequacy Ratio

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PROFIT DISTRIBUTION MANAGEMENT PADA BANK SYARIAH

MALIA: Journal of Islamic Banking and Finance ◽

10.21043/malia.v2i1.4758 ◽

2018 ◽

Vol 2 (1) ◽

pp. 31

Author(s):

Fitriyana Fitri ◽

Komala Adriyani ◽

Catur Ragil Sutrisno

Keyword(s):

Commercial Banks ◽

Sampling Technique ◽

Capital Adequacy ◽

Third Party ◽

Operational Cost ◽

Distribution Management ◽

Operating Income ◽

Purposive Sampling ◽

Profit Distribution ◽

Capital Adequacy Ratio

This study aims to analyze the influence of the proportion of third party funds (DPK), operational cost to operating income (BOPO), financing to deposit ratio (FDR), bank size and capital adequacy ratio (CAR) to profit distribution management at Sharia Bank. The population is all Sharia Commercial Banks in Indonesia, the period of 2012-2015. Samples were taken using purposive sampling technique. The results show that third party funds (DPK), finance to deposit ratio (FDR) and bank size have no significant effect on profit distribution management (PDM). While BOPO and capital adequacy ratio (CAR) have a significant effect on profit distribution management (PDM).

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FAKTOR-FAKTOR YANG MEMPENGARUHI PERTUMBUHAN LABA BANK UMUM SYARIAH DI INDONESIA

JURNAL AKUNTANSI DAN BISNIS Jurnal Program Studi Akuntansi ◽

10.31289/jab.v5i2.2642 ◽

2019 ◽

Vol 5 (2) ◽

pp. 115

Author(s):

Yani Suryani ◽

Desi Ika

Keyword(s):

Commercial Banks ◽

Secondary Data ◽

Capital Adequacy ◽

Third Party ◽

Islamic Banks ◽

Operating Income ◽

Capital Adequacy Ratio ◽

Banking Institutions ◽

Operational Activities ◽

Profit Growth

This study aims to know the effect of the determinant variables on profit growth in Islamic commercial banks in Indonesia. During the period of financial crisis in 1997 Islamic banks were still able to show relatively better performance compared to conventional banking institutions. Due to the lower distribution of non-performing loans (non-performing loans) to the Islamic banks and no negative spreads in their operational activities, this condition as well as profit growth generated by Islamic banks. This study analyzes the effect of Net Operational Income (NOI), Third Party Funds (DPK), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), and operational costs to operational income (BOPO) both partially or simultaneously on the Profit Growth of Islamic commercial banks in Indonesia in the 2016-2018 period. The type of research is associative, secondary data sources and data are analyzed quantitatively. The results of this study indicate that partially Net Operating Income (NOI) affects the profit growth of Islamic Commercial Banks in Indonesia. For simultaneous testing the overall determinant variable does not affect earnings growth at Islamic Commercial Banks in Indonesia.

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Analisis Pengaruh Dana Pihak Ketiga (DPK), Capital Adequacy Ratio (CAR), Non Performing Loan (NPL) dan Loan To Deposit Ratio (LDR) terhadap Penyaluran Kredit Perbankan

Journal of Economic Bussines and Accounting (COSTING) ◽

10.31539/costing.v4i1.1442 ◽

2020 ◽

Vol 4 (1) ◽

pp. 109-116

Author(s):

Mesrawati Mesrawati ◽

Widya Hitajulu ◽

Salsabila Siregar ◽

Venny Venny ◽

Sri Rejeki Panggabean ◽

...

Keyword(s):

Commercial Banks ◽

Quantitative Research ◽

Stock Exchange ◽

Bank Loans ◽

Capital Adequacy ◽

Third Party ◽

The Public ◽

Capital Adequacy Ratio ◽

Data Collection Technique

Commercial banks have the main activity in raising funds and channeling funds to the public. The biggest source of funds from commercial banks is the activity of channeling credit to the public. The purpose of this research is to find out and analyze DPK, CAR, NPL and LDR on bank credit distribution (Case Study at Commercial Banks listed on the Indonesia Stock Exchange Period 2014-2018). Quantitative research approaches are used by being a cause and effect relationship between independent and dependent variables. Documentation becomes a data collection technique. The population in this study were 45 commercial banks listed on the Indonesia Stock Exchange in 2014-2018. The research sample is 27 commercial bank companies listed on the Indonesia Stock Exchange in the 2014-2018 period with a sample of 135 observations. Multiple linear regression became the model of this study. The results of this study are DPK, CAR, NPL and LDR partially and simultaneously and significantly on bank loans (Case study on commercial banks listed on the Indonesia Stock Exchange in the period 2014-2018). Keywords : third party fund, capital adequacy ratio, non performing loan and loan to deposit ratio, credit distribution

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The Effects Of Bank Funds Sources On Bank Profitability In Indonesia Stock Exchange

Riset ◽

10.35212/riset.v1i2.23 ◽

2019 ◽

Vol 1 (2) ◽

pp. 090-098

Author(s):

Annaria Magdalena ◽

Bintang S Marpaung ◽

Indira E M

Keyword(s):

Significant Influence ◽

Commercial Banks ◽

Stock Exchange ◽

Hypothesis Test ◽

T Test ◽

Capital Adequacy ◽

Third Party ◽

F Test ◽

Bank Profitability ◽

Capital Adequacy Ratio

The purpose of this research is to analyze the effect of bank funding source to bank profitability. Indicators that are used for this research are Capital Adequacy Ratio, loan received, and third-party funds to Profitability. Population that used on this research are a commercial banks that listed on the Indonesia Stock Exchange. The sample that used are four commercial banks are PT. Bank Mandiri (Persero) Tbk, PT. Bank Rakyat Indonesia (Persero) Tbk, PT. Bank Negara Indonesia (Persero) Tbk, dan PT. Bank Central Asia Tbk on period of 2010-2018. Method that used for this research is using multiple regression analysis by hypothesis test which are, T test and F test. The results of partial hypothesis (T Test) shows that Capital Adequacy Ratio and loan that received has a negative significant influence on Profitability. Meanwhile, Third-party funds have a positive significant influence Profitability. From the results of simultaneous hypothesis testing (F Test) shows that Capital Adequacy Ratio, loans received, and Third-party funds have a significant influence to banks profitability on commercial bank that are go public with significance of 0,000. R square value (R2) on this research is 0,517 or 51,7% and the rest is 48,3% affected by other factor that are not research.

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Pengaruh Kurs, Inflasi, Dana Pihak Ketiga (DPK), Pendapatan Bank, Capital Adequecy Ratio (CAR), Dan Non Performing Financing (NPF) Terhadap Tingkat Pengguliran Dana Bank Umum Syariah Non Devisa Periode 2014-2018

JURNAL EKSPLORASI AKUNTANSI ◽

10.24036/jea.v1i3.156 ◽

2019 ◽

Vol 1 (3) ◽

pp. 1472-1493

Author(s):

Lisa Marlina JN ◽

Mia Angelina Setiawan

Keyword(s):

Exchange Rate ◽

Foreign Exchange ◽

Commercial Banks ◽

Capital Adequacy ◽

Third Party ◽

Bank Capital ◽

Financial Reports ◽

Independent Variables ◽

The Third ◽

Capital Adequacy Ratio

This reseach aims to obtain empirical evidence of the effect of Exchange Rate, Inflation, Third Party Funds (TPF), Bank Revenues, Capital Adequacy Ratio (CAR), and Non Performing Financing (NPF) on Fund Revolving Levels in Non-Foreign Islamic Commercial Banks in Indonesia for the period 2014-2018. Data is obtained from quarterly financial reports taken from the website of each Non-Foreign Exchange Islamic Bank. The dependent variable in this study is the Fund Revolving Levels and the independent variables are the Effect of Exchange Rate, Inflation, Third Party Funds (DPK), Bank Revenues, Capital Adequecy Ratio (CAR), and Non Performing Financing (NPF). The result of this study is that the exchange rate has a positive and not significant effect on the Fund Revolving Levels of sharia bank. The inflation has a positive and significant effect on the Fund Revolving Levels of sharia bank.. The third party funds have a negative and significant effect on the Fund Revolving Levels of sharia bank. And than bank income, Capital Adequacy Ratio (CAR), and Non Performing Financing (NPF) have a negative and insignificant effect on the Fund Revolving Levels of sharia bank

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