scholarly journals Profitabilitas Bank Syariah Ditinjau dari Pembiayaan dengan Prinsip Bagi Hasil dan Kategori Usaha

2019 ◽  
Vol 14 (1) ◽  
pp. 48-63
Author(s):  
Purwanto Purwanto
Keyword(s):  
Data Analysis ◽  
Commercial Banks ◽  
Revenue Sharing ◽  
Profit Sharing ◽  
Partial Least Square ◽  
Least Square ◽  
Quantitative Approach ◽  
Islamic Banking ◽  
Negative Coefficient ◽  
Business Units

As a business institution, the objectives of Islamic banking is profitability. The profit can be achieved if Islamic banking distributes financing both with the principle of buying and selling, profit sharing or services. The focus of the study was on financing with the principle of profit sharing (Mudharabah and Musyarakah). Profit sharing has been studied as a variable that can increase profitability, but there are no definite conclusions. Thus it is necessary to study whether the actual financing of profit sharing affects the level of profitability directly or through certain business categories. The type of research is causality research with a quantitative approach. The population is Sharia Commercial Banks and Sharia Business Units in the period of January 2016 to December 2018. The data analysis uses Partial Least Square (PLS). The results shows that financing with profit sharing principles is proven to directly have an influence on profitability but in a negative coefficient. This study also shows that the higher the profit sharing financing, the lower the level of profitability. However, when the revenue sharing is channeled through SMEs and non-SMEs, the results become positive and significant to profitability

scholarly journals THE EFFECT OF NON-PERFORMING FINANCING AND THIRD PARTY FUNDS ON THE PROFITABILITY THROUGH PS/RS AND PLS FINANCING

2021 ◽  
pp. 19-31
Keyword(s):  
Data Analysis ◽  
Empirical Evidence ◽  
Direct Effect ◽  
Indirect Effect ◽  
Commercial Banks ◽  
Profit Sharing ◽  
Partial Least Square ◽  
Least Square ◽  
Third Party ◽  
Analysis Technique

This research is motivated by the phenomenon of increasing PS/RS and PLS financing and profitability at Islamic Commercial Banks (BUS) in Indonesia during the 2015-2019 period, and experiencing a decline from 2019 to 2020. PS/RS and PLS financing can use mudharabah and musharakah contract schemes. Mudharabah financing is based on profit sharing, while Musharaka is based on profit-loss sharing. This study aims to obtain empirical evidence regarding the effect of non-performing financing and third-party funds on profitability through PS/RS and PLS financing. The population used in this study were all Islamic Commercial Banks in Indonesia in the 2015-2020 period. The data analysis technique used is Partial Least Square with SmartPLS software version 3. The results of the study found a direct effect of non-performing financing on profitability. The results of the study did not find a direct effect of non-performing financing on PS/RS and PLS financing. In addition, third party funds do not have a direct effect on profit-sharing and profitability-based financing. The results also did not find an indirect effect of non-performing financing and third-party funds on profitability.

scholarly journals Pengaruh Kinerja Keuangan terhadap Simpanan Dana Pihak Ketiga Melalui Nisbah Bagi Hasil (Studi Kasus Bank Umum Syariah di Indonesia Periode 2012-2015)

AKUNTABEL ◽  
2018 ◽  
Vol 14 (2) ◽  
pp. 129
Author(s):  
Ayu Annisa ◽  
Isna Yuningsih ◽  
Rusliansyah Rusliansyah
Keyword(s):  
Financial Performance ◽  
Revenue Sharing ◽  
Profit Sharing ◽  
Partial Least Square ◽  
Least Square ◽  
Capital Adequacy ◽  
Third Party ◽  
Return On Assets ◽  
Financial Reports ◽  
Operating Income

This study aims to determine the effect of the financial performance of third party funds through revenue sharing on Islamic banks during the period of the first quarter of 2012 until the second quarter 2015. The number of samples in this study are 7 companies, which are taken according to specific criteria banking company sharia is still registered during the observation period 2012-2015 which publishes quarterly financial reports during the study period Then hypothesis testing is done by using partial least square (PLS) 3.2.4. The results showed that a statistically significant effect on the financial performance of third party funds, financial performance significant effect on revenue sharing, profit sharing ratio did not significantly affect third-party funds and financial performance did not significantly affect third-party funds through revenue sharing.Keywords: Third-party funds, ratio of profit sharing, capital adequacy ratio (CAR), Non Performing Financing (NPF), Return on Assets (ROA), Operating Expenses Operating Income (ROA), and Financing to Deposit to ratio (FDR)

scholarly journals The Influence of Cash Pick Up, Promotion and Cross-selling to Trust and Saving Decision

2019 ◽  
Vol 1 (1) ◽  
pp. 194-200
Author(s):  
Modis April Shela ◽  
I Gede Arimbawa
Keyword(s):  
Data Analysis ◽  
Research Methods ◽  
Partial Least Square ◽  
Least Square ◽  
Quantitative Approach ◽  
Collection Data ◽  
Saving Decisions ◽  
Branch Office

The purpose of this study is to analyze the influence of cash pick up, promotion, and cross-selling to trust and saving decision in Panin Bank sub branch office Kenjeran Surabaya city. Research methods used in this study was the quantitative approach. The sample in this research is as many as 100 people of the total National Savings customer Micro (TAMI) Panin Bank Sub branch Kenjeran, with technique insindental sampling, and collection data techniques with the use of a questionnaire. In this study researchers using the technique of data analysis using PLS SmartPLS 3 software Partial Least Square. The results of this study found that cash pick up, promotions, and cross-selling a positive and influence against trust and saving decision in Panin Bank sub branch office Kenjeran with variable promotions need to be a particular concern by Panin Bank, because influential directly or indirectly against trust and saving decisions

scholarly journals The comparison of Islamic banks performance in Indonesia before and after the Action to Defend Islam event

2020 ◽  
Vol 2 (1) ◽  
pp. 49-66
Author(s):  
Luksi Visita
Keyword(s):  
Empirical Study ◽  
Commercial Banks ◽  
Profit Sharing ◽  
Third Party ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Return On Assets ◽  
Paired Sample ◽  
Business Units ◽  
Before And After

Purpose – This study aims to compare the performance of Islamic banking before and after the Islamic defense action. The action to defend Islam is a manifestation of populism, which resulted in mixed responses.Method – Financial performance consisting of return on assets (ROA), financing to deposit ratio (FDR), third party funds (DPK), non performing financing (NPF) and profit sharing financing on total financing were analyzed from 30 Islamic commercial banks and Sharia business units in Indonesia. The data were analyzed using different test paired sample T-test.Result – The results show that only TPF and FDR have significant differences. The DPK value increases, while the FDR decreases.Implication – This study can support industry to consider aspects needed to be taken care of during political events.Originality – This study enriches the empirical study of political and business interaction.

scholarly journals PEMAHAMAN NASABAH BANK MUAMALAT INDONESIA BANDA ACEH TERHADAP AKAD MUDHARABAH

2012 ◽  
Vol 1 (2) ◽  
Author(s):  
Iskandar Iskandar ◽  
Ilhaamie Abdul Ghani Azmi ◽  
Azian Madun
Keyword(s):  
Data Analysis ◽  
Great Risk ◽  
Positive Relationship ◽  
Field Research ◽  
Profit Sharing ◽  
Quantitative Approach ◽  
Islamic Banking ◽  
Spss Software ◽  
Gathering Data ◽  
Banda Aceh

Knowledge and understanding of mudharabah products in Islamic banking is necessity for the customers. Mudharabah is one of banking products pose a great risk, because this involves both the investors and the costumers. For the case of Bank Muamalat Indonesia, customer’s lack of understanding on the mudharabah contract may elevate disputes related to the financing offered by the bank as investor and consequently to the consensus of profit sharing ratio. This study aims to discuss and identify the link between the understanding and the conflicts that occur in Bank Muamalat Indonesia Banda Aceh branch. This is a field research that utilized a quantitative approach in gathering data. The results obtained are analyzed using the SPSS software. The finding shows that there is a link between the understanding and the conflicts that occur in Bank Muamalat Indonesia Banda Aceh. The higher level of customer’s understanding towards the product, the smaller risk of conflict may occur. Thus, the data analysis concludes that there is a small positive relationship between customers' understanding of the mudharabah contract and the disputes possibility. =========================================== Pengetahuan dan pemahaman nasabah terhadap produk mudharabah dalam perbankan syariah sangat diperlukan oleh semua nasabah. Mudharabah adalah salah satu produk perbankan yang menimbulkan resiko yang besar, ini karena akad ini melibat dua pihak, yaitu investor dan nasabah. Pada kasus Bank Muamalat Indonesia, kurangnya pemahaman nasabah terhadap produk Mudharabah akan mendatangkan kemungkinan timbulnya sengketa berkaitan pembiayaan yang dikeluarkan oleh bank sebagai shahibul maal dan kesepakatan nisbah pembagian keuntungan. Kajian ini bertujuan untuk membahas dan mengenal pasti kaitan antara kepahaman dengan konflik yang terjadi di Bank Muamalat Indonesia cabang Banda Aceh. Kajian ini merupakan kajian lapangan dengan menggunakan pendekatan kuantitatif dalam mendapatkan data. Temuan data lapangan dianalisis dengan menggunakan SPSS. Kajian ini mendapati bahwa ada kaitan di antara kepahaman dengan konflik yang terjadi di Bank Muamalat Indonesia Banda Aceh. Semakin tinggi tingkat pemahaman nasabah maka semakin kecil risiko terjadi konflik. Analisis data tersebut menunjukkan hubungan positif kecil antara pemahaman nasabah terhadap akad mudharabah dengan risiko konflik.

scholarly journals Pengaruh Keputusan Investasi Dan Makro Ekonomi Melalui Operasional Terhadap Nilai Perusahaan

2020 ◽  
Vol 7 (2) ◽  
pp. 181-192
Author(s):  
Lu’lu’il Maknuun
Keyword(s):  
Data Analysis ◽  
Firm Value ◽  
Investment Decisions ◽  
Partial Least Square ◽  
Least Square ◽  
Quantitative Approach ◽  
Analysis Method ◽  
Data Analysis Method ◽  
The Relationship

This study aims to determine and analyze the effect of investment decisions and macroeconomics through operations to firm value. This study uses a quantitative approach. the data analysis method used in this study is the Smart Partial Least Square (PLS) software. The effect of investment decisions on operations, the relationship between the two variables is a significant negative. The effect of investment decisions with firm value, the relationship between the two variables is significantly positive. The influence of macroeconomics on operations, the relationship between the two is negative is not significant. The influence of macroeconomic with firm value, the relationship between two variables is not significant positive. The operational effect on firm value, the relationship between the two variables is significantly positive.

scholarly journals GENDER IN MOBILE WALLET ADOPTION BY USING UTAUT MODEL

2021 ◽  
pp. 26-31
Author(s):  
Hermaya Ompusunggu ◽  
Meilinda Dwi Anugrah
Keyword(s):  
Data Analysis ◽  
Social Influence ◽  
Credit Cards ◽  
Partial Least Square ◽  
Least Square ◽  
Quantitative Approach ◽  
Primary Data ◽  
Intention To Use ◽  
Utaut Model ◽  
Facility Conditions

Mobile wallets (m-wallets) have replaced physical wallets and also replaced the use of debit and credit cards. This study aims to analyze the effect of gender on m-wallet adoption by using the UTAUT model. The research used quantitative approach with primary data was done by distributing online questionnaires. The sample was using purposive sampling and obtained 290 m-wallet users in Batam City who made a transaction through digital-based payment application during five months. The data analysis utilized SEM Partial Least Square. The results showed that performance and business expectations, social influence, and facility conditions had positive and significant effects on the intention to use m-wallets in Batam City, while gender did not have the effect in its relationship.

scholarly journals PENGARUH ZIS PRODUKTIF TERHADAP KINERJA DAN KESEJAHTERAAN UMK MUSTAHIK

2019 ◽  
Vol 17 (2) ◽  
pp. 247-256
Author(s):  
Redho Afriandi ◽  
Muhammad Khaerul Muttaqien
Keyword(s):  
Data Analysis ◽  
Data Collection ◽  
Data Processing ◽  
Partial Least Square ◽  
Least Square ◽  
Quantitative Approach ◽  
Survey Method ◽  
Improved Performance ◽  
Micro Enterprises ◽  
Program Version

In general, this study aims to determine the effect of programs Zakat, Infaq and Sadaqah (ZIS) Productive to the performance of micro-enterprises and prosperity mustahik; while specifically the purpose of this study is to test and analyze the effect of productive ZIS programs on the performance of mustahik micro enterprises and mustahik welfare. This study was conducted in Bogor and Depok districts of West Java. Data collection was done by survey method by taking samples of 89 mustahic households as respondents. Data analysis was done by quantitative approach and completed with qualitative and intuitive analysis. Quantitative approach used is Partial Least Square (PLS) model, while data processing is executed with SmartPLS program version 3.0. Based on the analysis result, it can be concluded that productive ZIS program can improve the performance of UMK mustahik. Improved performance represented by an increase in assets and profits can also make it easier for UMK mustahik to achieve better welfare.

scholarly journals Faktor-Faktor yang Memengaruhi Niat Konsumen untuk Membeli Produk Melalui E-Commerce

2020 ◽  
Vol 11 (2) ◽  
pp. 83-90
Author(s):  
Ariansyah Ariansyah ◽  
Mukhamad Najib ◽  
Jono M Munandar
Keyword(s):  
Data Analysis ◽  
Partial Least Square ◽  
Least Square ◽  
Quantitative Approach ◽  
Primary Data ◽  
Survey Method ◽  
Sampling Techniques ◽  
Behavior Control ◽  
Online Transactions ◽  
Region Data

The use of e-commerce in running a business has become a trend nowadays. This is marked by many consumers conducting online transactions to run their business or order the desired product because it is easy, fast and flexible. This study aims to analyze consumer characteristics, factors that influence the intention to buy products through e-commerce, and differences in consumers when shopping at malls and e-commerce. The approach in this study uses a quantitative approach with a survey method. This research was conducted using accidental sampling techniques with respondents totaling 121 people. This study uses primary data which is done by distributing questionnaires directly to respondents totaling 121 respondents consisting of 121 respondents to e-commerce users in the Jabotabek region. Data analysis was performed using SEM using Partial Least Square (PLS) software. This study shows that most consumers are students and domiciled in Bogor and do not have jobs yet. The objective norms and attitudes toward behavior have no significant effect on buying intentions, whereas only hypotheses related to perceptions of behavior control have been shown to have a significant effect on it. This means that consumers prefer shopping at the mall compared to shopping online.

scholarly journals Testing the Effect of CAR and Murabahah Financing on Profitability with TPF as a Moderating Variable

2021 ◽  
Vol 12 (2) ◽  
pp. 26-40
Author(s):  
Mifta Dwi Wiji Lestari ◽  
Alfinur Alfinur ◽  
Supami Wahyu Setyowati
Keyword(s):  
Data Analysis ◽  
Financial Services ◽  
Commercial Banks ◽  
Time Series Data ◽  
Partial Least Square ◽  
Least Square ◽  
Annual Reports ◽  
Series Data ◽  
Independent Variables ◽  
Analysis Technique

Abstract                                This research was conducted to determine whether the effect of the independent variables: CAR and Murabahah Financing on the dependent variable of profitability with the moderating variable of TPF in Islamic Commercial Banks (BUS) in Indonesia from 2015-2019. The method used in this research is a quantitative approach. The population used in this research is BUS that is registered in the Financial Services Authority in 2020 totaling 14 companies. The sample used was 6 BUS that fit the test criteria. The data studied were time series data in tools, namely Smart Partial Least Square (SmartPLS) 3.3.2. The results of the research conducted are CAR has a positive and significant impact on profitability, Murabahah financing has a the form of annual reports. The data analysis technique used is PLS with data analysis positive and significant impact on profitability, TPF moderates the effect of CAR on profitability, TPF moderates the effect of Murabahah Financing on profitability. Keywords: CAR; Murabahah Financing; profitability; DPK

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