scholarly journals Probability of Default Bank Umum di Indonesia: Alternatif dalam Implementasi Sisitem Premi Deferensial

2021 ◽  
Vol 5 (1) ◽  
pp. 50-73
Author(s):  
Nugroho Agung Wijoyo
Keyword(s):  
Commercial Banks ◽  
Deposit Insurance ◽  
Third Party ◽  
Probability Of Default ◽  
Category Rating ◽  
Flat Rate ◽  
Premium Rate ◽  
The Third ◽  
Merton Model ◽  
Average Probability

The Indonesian Deposit Insurance Corporation (LPS) initially imposed the flat rate premium system, the same premium rate for all banks, which is 0.2% of the total third party funds (DPK) of commercial banks. However; when there is a change in the value of deposits guaranteed, LPS needs to change from the flat rate premium system to the Differential Premium System. This study uses Probability of Default (PoD), derived from the Merton Model (1974), for each individual Commercial Bank in Indonesia in implementing the Differential Premium System as the mandate of Article 15 paragraph (1) of the Law. Thus, each individual bank will pay a premium in accordance with the probability of default to LPS. This study finds that the average of probability of default of all commercial banks in the period 2002-2014 reaches 57.12%. Bank that has the smallest average Probability of Default (PoD) is Bank 151  with a PoD of 14.10% and an AA category rating. The second position is Bank 427 with a PoD of 18.20% and a rating of A. While the third position is Bank 14 with a PoD of 18.70% also with a rating of A. This study finds that the Differential Premium System in Indonesia can be implemented, given that LPS revenue will not be reduced much or at least close to the flat rate premium system, when LPS imposes the Differential Premium System.

scholarly journals PENGARUH KINERJA KEUANGAN TERHADAP PEMBIAYAAN BANK UMUM SYARIAH DI INDONESIA (PERIODE 2009-2013)

2016 ◽  
Vol 5 (2) ◽  
Author(s):  
Irma Safitri ◽  
Nadirsyah Nadirsyah ◽  
Darwanis Darwanis
Keyword(s):  
Commercial Banks ◽  
Research Data ◽  
Capital Adequacy ◽  
Third Party ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Independent Variables ◽  
The Third ◽  
Capital Adequacy Ratio ◽  
Observation Period

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.

scholarly journals 61 Pengaruh Dana Pihak Ketiga (DPK) dan Biaya Operasional Pendapatan Operasional (BOPO) terhadap Return On Asset (ROA) (Studi Kasus Pada Bank Umum Swasta Nasional Devisa yang Terdaftar di BEI)

2017 ◽  
Vol 7 (1) ◽  
Author(s):  
Wati Aris Astuti
Keyword(s):  
Commercial Banks ◽  
Stock Exchange ◽  
Balance Sheet ◽  
Third Party ◽  
Test Statistic ◽  
Operating Income ◽  
The Third ◽  
Income Statement ◽  
Verification Methods ◽  
The Third Party

This study aims to determine the development of the Third Party Funds, thedevelopment of Operating Expenses to Operating Income and the development ofReturn on Assets, as well as to determine whether the Third Party Funds significantlyinfluence whether the Return on Assets and Operating Expenses Operating Incomesignificantly affects the Return On Asset. The population used in this study is theForeign Exchange Commercial Banks listed in Indonesia Stock Exchange. The sampleused is the annual financial statement of the balance sheet and income statement ofthe 6 banks 2008-2013. The sample using purposive sampling method. The method used in thisresearch is descriptive and verification methods. The test statistic used is multiplelinear regression analysis, hypothesis testing with the help of application program IBMSPSS 20.0.The results showed that the Third Party Funds significantly influence the Returnon Assets and Operating Expenses to Operating Income significantly influence theReturn on Assets at the Foreign Exchange Commercial Banks listed in Indonesia StockExchange.

scholarly journals Sharia Compliance dan Islamic Corporate Governance Terhadap Dana Pihak Ketiga Pada Bank Umum Syariah

Akuntabilitas ◽  
2020 ◽  
Vol 13 (2) ◽  
pp. 239-250
Author(s):  
Annisa Dzahabiyah ◽  
Umiyati Umiyati
Keyword(s):  
Corporate Governance ◽  
Commercial Banks ◽  
Profit Sharing ◽  
Third Party ◽  
Analysis Tool ◽  
The Third ◽  
Panel Data Regression ◽  
Data Regression ◽  
Income Ratio ◽  
The Third Party

This study aims to analyze the effect of Sharia Compliance and Islamic Corporate Governance on Third Party Funds in Sharia Commercial Banks in Indonesia. The population in this study are Sharia Commercial Banks in Indonesia. Samples were selected using the purposive sampling method. The independent variables in this study are Islamic Income Ratio (IsIR), Proft Sharing Ratio (PSR), Zakat Performing Ratio (ZPR), and Islamic Corporate Governance (ICG). While the dependent variable is Third Party Funds (DPK).The analytical method used is panel data regression with e-views analysis tool 10. The results of this study indicate that the variable Profit Sharing Ratio (PSR) and Islamic Corporate Governance (ICG) significantly influence the Third Party Funds at Islamic Commercial Banks. While the Islamic Income Ratio (IsIR) and Zakat Performing Ratio (ZPR) variables do not significantly influence the Third Party Funds at Islamic Commercial Banks.

scholarly journals Pengaruh office channeling dan dana pihak ketiga terhadap laba dengan pembiayaan sebagai variabel intervening pada Perbankan Syariah di Indonesia

2020 ◽  
pp. 187-202
Author(s):  
Muhammadinah Mamad
Keyword(s):  
Path Analysis ◽  
Commercial Banks ◽  
Third Party ◽  
Financial Statement ◽  
Monthly Basis ◽  
Analytical Technique ◽  
The Third ◽  
Business Units ◽  
The Third Party ◽  
Variable G

This research aims to determine the influence of Office Channeling and third party funds to profit with financing as a variable intervening on sharia banking in Indonesia. The population in this study is the entire sharia banking in Indonesia consisting of 14 Sharia commercial banks and 20 Syariah business units. Then the sample used is the summary (summary) of Sharia banking financial statement period of 3 years on a monthly basis so that the number of samples as much as 12 x 3 = 36. The analytical technique used is Path analysis using Test T, where the mediation test is done with the procedure developed by Sobel (1982) and known as Sobel Test. The results showed that: a) the Office Channeling variable was directly influential and insignificant to the financing variable. b) The variables of the third party fund are directly influential and significant to the financing variable. c) The Office Channeling variable is directly influential and significant to the profit variable. d) Variable third party funds are directly influential and insignificant to the profit variable. e) The financing variable is directly influential and significant to the profit variable. f) The financing variable is not able to view the influence of the Office Channeling variable on profit variable. g) The financing variable is capable of imradiation the influence of third-party funds variables to profit variables.

scholarly journals 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

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

Resolving tension from the third-party forgiveness effect

2014 ◽  
Author(s):  
Jaclyn M. Moloney ◽  
Chelsea A. Reid ◽  
Jody L. Davis ◽  
Jeni L. Burnette ◽  
Jeffrey D. Green
Keyword(s):  
Third Party ◽  
The Third ◽  
The Third Party

Issues in security and privacy of big data

2018 ◽  
Vol 7 (12) ◽  
pp. 1
Author(s):  
Shaveta Bhatia
Keyword(s):  
Cloud Computing ◽  
Big Data ◽  
Approximate Method ◽  
Biomedical Research ◽  
Cyber Security ◽  
Data Science ◽  
Third Party ◽  
Security And Privacy ◽  
Security Threats ◽  
The Third

 The epoch of the big data presents many opportunities for the development in the range of data science, biomedical research cyber security, and cloud computing. Nowadays the big data gained popularity.  It also invites many provocations and upshot in the security and privacy of the big data. There are various type of threats, attacks such as leakage of data, the third party tries to access, viruses and vulnerability that stand against the security of the big data. This paper will discuss about the security threats and their approximate method in the field of biomedical research, cyber security and cloud computing.

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