scholarly journals ANALISIS PENGARUH DANA PIHAK KETIGA (DPK), CAPITAL ADEQUACY RATIO (CAR), DAN NON PERFOMING FINANCING (NPF) TERHADAP PEMBIAYAAN (STUDI PADA BUS DAN UUS DI INDONESIA PERIODE 2014-2018)

2019 ◽  
Vol 3 (2) ◽  
pp. 141
Author(s):  
Zuwardi Zuwardi ◽  
Hardiansyah Padli ◽  
Mohammad Aliman Shahmi
Keyword(s):  
Secondary Data ◽  
Capital Adequacy ◽  
Third Party ◽  
Short Term ◽  
Factors Influencing ◽  
Capital Adequacy Ratio ◽  
Endogenous Variables

This study aims to analyze the factors influencing financing on BUS and UUS in Indonesia. Exogenousvariables in this study are Third Party Funds (DPK), Capital Adequacy Ratio (CAR), and Non-PerformingFinancing (NPF), while endogenous variables are financing. This study used secondary data consisted monthlydata of BUS and UUS in 2014-2018. This data is taken from SHARIA banking statistics released by the OJK. Theresearch results obtained that DPK and CAR significantly and positively affect long term financing. While NPFhas no significant effect on long term financing. DPK and NPF also have a positive and significant impact onshirt term financing. Another result was CAR has no significant effect on short term financing.

scholarly journals PENGARUH KINERJA PERBANKAN TERHADAP JUMLAH PENYALURAN KREDIT ATAU PEMBIAYAAN PADA BANK KONVENSIONAL DAN SYARIAH

Media Ekonomi ◽  
2016 ◽  
Vol 24 (2) ◽  
pp. 101
Author(s):  
Yunita Hasanah ◽  
Ida Busneti
Keyword(s):  
Multiple Regression ◽  
Secondary Data ◽  
Positive Influence ◽  
Capital Adequacy ◽  
Third Party ◽  
Annual Reports ◽  
Capital Adequacy Ratio

<p><em>The goal this research to analyze comparing of factors that influence credit distribution at PT. Bank DKI and finance at PT. Bank Syariah Mandiri. The variable that influence credit distribution is: Third Party Funds, NonPerforming Loan/NonPerforming Finance and Capital Adequacy Ratio.This research used secondary data quertaly during the period 2008-2015 at the case study PT. Bank DKI and PT. Bank Syariah Mandiri from Finance Annual Reports of each Bank. The Methodology used is multiple regression analyze. This research shows is Third Party Funds and Capital Adequacy Ratio significantly and positive influence for the credit distribution and financing. NonPerforming Loan/No</em><em>n</em><em>Performing Finance has a negative and significant effect for credit distribution and financing.  </em></p>

scholarly journals ANALISIS PENGARUH BI RATE DAN KINERJA KEUANGAN BANK TERHADAP PEMBIAYAAN BANK SYARIAH DI INDONESIA (2010 - 2017)

2019 ◽  
Vol 3 (3) ◽  
pp. 376-385
Author(s):  
Didit Suprayitno ◽  
Idah Zuhroh ◽  
M.Faisal Abdullah
Keyword(s):  
Secondary Data ◽  
Capital Adequacy ◽  
Third Party ◽  
Coefficient Of Determination ◽  
Analysis Techniques ◽  
Independent Variables ◽  
Significant Negative Effect ◽  
Panel Data Regression ◽  
Capital Adequacy Ratio ◽  
Negative Effect

This study aims to analyze the influence of the independent variables, namely the BI Rate, Third Party Funds (DPK), Capitalization of Adequacy Ratio (CAR) and Operational Income Costs (BOPO) on Islamic bank financing in Indonesia 2010 - 2017. This type of research is Quantitative Inferential . The required data is secondary data from the financial statements of five Islamic banks in Indonesia 2010-2017.4. Data analysis techniques are panel data regression analysis techniques. The results of the study show that the BI Rate variable has a significant negative effect on financing, Third Party Funds (TPF) have a significant positive relationship to financing, while for the variable Capital Adequacy Ratio (CAR) has a significant positive effect on financing and for Operational Income Operating Costs (BOPO) no significant negative effect on financing. The coefficient of determination (R ^ 2) is 0.938581 or 93.85%. This shows that the ability of the independent variables namely BI Rate, DPK, CAR and BOPO explain the dependent variable of Financing at 93.85% and the remaining 6.15% can be explained by other variables.

scholarly journals Analisis Rasio Modal Kerja Pada PT. Bank BNI Tbk

2019 ◽  
Vol 9 (2) ◽  
pp. 52
Author(s):  
Laurens D. Lumantow ◽  
Dolina L. Tampi ◽  
Joula J. Rogahang
Keyword(s):  
Secondary Data ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Working Capital ◽  
Short Term ◽  
Turnover Ratio ◽  
Capital Adequacy Ratio ◽  
Analytical Tools

This research aims to analyze and find out how working capital adequacy ratio. This research was conducted at the PT. Bank BNI Tbk. The methods used in this research is descriptive quantitative and analytical tools used are Working capital adequacy Ratio which consists of three types of ratios i.e. ratio of Total Assets to capital The work is clean, current liabilities against the Net working capital and working capital Turnover. The data used are secondary data from the financial statements of PT Bank BNI Tbk. Results of the study explained that the calculation of the ratio of Total Assets Against Net working capital in the year 2015 to 2017. And the results of calculation of the ratio of current liabilities against the Net working capital in the year 2015 to 2017. And the results of the calculation of working capital Turnover Ratio by the year 2015 to 2017 is also quite good. The results of the analysis of the work on capital adequacy ratio of the company will give an overview of how companies can manage the capital works. We suggest PT Bank BNI Tbk. can use working capital optimally. So the company could cover the liabilities are short-term and the company was able to produce profits every year.

scholarly journals PENGARUH NON PERFORMING FINANCING, CAPITAL ADEQUACY RATIO, BEBAN OPERASIONAL PENDAPATAN OPERASIONAL DAN NET IMBALAN TERHADAP RETURN ON ASSETS (STUDI PADA BANK MAYBANK SYARIAH PERIODE 2012-2019)

2021 ◽  
Vol 1 (1) ◽  
pp. 78-93
Author(s):  
Lely Awintasari ◽  
Maulida Nurhidayati
Keyword(s):  
Error Correction ◽  
Error Correction Model ◽  
Capital Adequacy ◽  
Short Term ◽  
Return On Assets ◽  
Correction Model ◽  
Long Run ◽  
Capital Adequacy Ratio ◽  
Short And Long Term

The purpose of this study is to analyze the influence of Non Performing Financing (NPF), Capital Adequacy Ratio (CAR), Operating Expenses operating income (BOPO) and Net Rewards (NI) ratio on Return On Assets of Maybank Syariah Bank. A bank's Return on Assets (ROA) is a ratio that shows the bank's success in making a profit. If the ROA obtained by a small bank as a result of the bank can suffer losses and hinder the growth of the bank. This research is a type of quantitative research with Error Correction Model method with a significance rate of 5%, with a total of 32 samples in the form of quarterly data published by Bank Maybank Syariah in 2012-2019. The findings in this study are that NPF negatively affects ROA in the short term but NPF has no effect on ROA in the long run. CAR has no effect on ROA in the short term but CAR has a positive effect on ROA in the long run. BOPO in the short and long term negatively affects ROA. NI in the short and long term has no effect on ROA. Simultaneously NPF, CAR, BOPO and NI both short-term and long-term affect ROA simultaneously. The amount of influence exerted in the short term is 89.20% while in the long term it is 88.57%. In order to increase ROA, Maybank Syariah Bank as much as possible to reduce the percentage of NPF and BOPO and can increase the CAR owned. Tujuan penelitian ini adalah untuk menganalisis pengaruh rasio kuangan Non Performing Financing (NPF), Capital Adequacy Ratio (CAR), Beban Operasional Pendapatan Operasional (BOPO) dan Net Imbalan (NI) terhadap  Return On Assets Bank Maybank Syariah. Return on Assets (ROA) suatu bank merupakan rasio yang menunjukkan keberhasilan bank dalam menghasilkan keuntungan. Apabila ROA yang diperoleh bank kecil akibatnya bank dapat mengalami kerugian serta menghambat pertumbuhan bank tersebut. Penelitian ini berjenis penelitian kuantitatif dengan metode Error Correction Model dengan tingkat signifikansi 5%, dengan jumlah sampel sebanyak 32 yang berupa data triwulan yang dipublikasikan oleh Bank Maybank Syariah tahun 2012-2019. Temuan pada penelitian ini adalah NPF berpengaruh negatif pada ROA dalam jangka pendek tetapi NPF tidak berpengaruh pada ROA dalam jangka panjang. CAR tidak berpengaruh pada ROA pada jangka pendek namun CAR berpengaruh positif terhadap ROA dalam jangka panjang. BOPO dalam jangka pendek maupun jangka panjang berpengaruh negatif pada ROA. NI dalam jangka pendek maupun jangka panjang tidak berpengaruh pada ROA. Secara simultan NPF, CAR, BOPO dan NI baik jangka pendek maupun jangka panjang berpengaruh terhadap ROA secara simultan. Besarnya pengaruh yang diberikan pada jangka pendek adalah 89,20% sedangkan pada jangka panjang sebesar 88,57%. Untuk dapat meningkatkan ROA, Bank Maybank Syariah sebisa mungkin untuk menurunkan persentase NPF dan BOPO serta dapat meningkatkan CAR yang dimiliki.

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 The Variables that Affect Murābaḥa Financing in Islamic Commercial Banks

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.

scholarly journals THE DETERMINANT OF DIVIDEND PAYOUT RATIO: LONG-TERM ANALYSIS IN BUKU EMPAT'S BANKS DURING PERIODS 2008 - 2017

2020 ◽  
Vol 2 (2) ◽  
pp. 245-254
Author(s):  
Ayu Aulia Rahma ◽  
Andam Dewi Syarif
Keyword(s):  
Significant Influence ◽  
Panel Data Analysis ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Dividend Payout ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Interest Margins ◽  
Observation Period

This research purposed to explored and analyzed those influence from capital adequacy ratios, net interest margins, loan to deposit ratios and non-performing loans towards dividend payout ratios on banks that registered as Buku Empat 2008-2017. Sampling gathered in this research by quantitative approach. Samples which obtained and used were Mandiri Bank, BRI, BNI, and BCA with observation period for 10 years. Data research was secondary data by panel data analysis method. The results shows that capital adequacy ratio had positive and significant influence towards dividend payout ratio, Net interest margin had negative and significant influence towards dividend payout ratio, Loan to deposit ratio had negative and significant impact on dividend payout ratio, non-performing loans had positive and significant impact towards dividends payout ratio.

scholarly journals An Analyzing Of Factors Affecting on Profitability In BRI Syariah

2021 ◽  
Vol 1 ◽  
pp. 439-449
Author(s):  
Kiki Sagita ◽  
Rendra Erdkhadifa
Keyword(s):  
Secondary Data ◽  
Capital Adequacy ◽  
Third Party ◽  
Islamic Banks ◽  
Factors Affecting ◽  
Operating Income ◽  
Simultaneous Test ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Operating Margin

The research is motivated by the level of profitability which is a benchmark for Islamic banks in generating profits which is still not stable and tends to decrease every year. The factors that can affect the level of profitability of Islamic banks are Third Party Funds (DPK), Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), Financing to Deposit Ratio (FDR), Net Operating Margin (NOM), and Operating Expenses for Operating Income ( BOPO). The purpose of this study was to determine the effect of the variables TPF, CAR, NPF, FDR, NOM, and BOPO on the profitability of BRI Syariah Bank and to find out which variables had the most significant effect on the profitability of BRI Syariah Bank. The data used in this study is secondary data obtained from the quarterly financial statements of BRI Syariah Bank for the period 2012 to 2020. The data analysis technique used multiple linear regression consisting of multicollinearity test, multiple regression analysis, simultaneous test, partial test, and classical assumption test of residuals. The test results show that NPF, CAR, NPF, FDR, and NOM have a significant effect on the profitability of BRI Syariah Bank

scholarly journals DETERMINAN RETURN ON ASSET (ROA) PADA INDUSTRI PERBANKAN SYARIAH DI INDONESIA PERIODE 2010-2018: PENDEKATAN AUTOREGRESSIVE DISTRIBUTED LAG (ARDL)

2020 ◽  
Vol 6 (1) ◽  
pp. 97
Author(s):  
Feranti Farah Nur ◽  
Raditya Sukmana
Keyword(s):  
Banking Industry ◽  
Capital Adequacy ◽  
Islamic Banks ◽  
Operational Cost ◽  
Short Term ◽  
Distributed Lag ◽  
Autoregressive Distributed Lag ◽  
Analysis Technique ◽  
Capital Adequacy Ratio

This research aimed to test and analyze the influences of Non Performing Financing (NPF), Capital Adequacy Ratio (CAR), and Operational Cost of Operational Income (BOPO) on Return on Asset (ROA) in Sharia Banking Industry Indonesia period 2010-2018. It used quantitative approach. Furthermore, data analysis technique used was Autogressive Distributed Lag (ARDL). The results of this research showed that in a long-term, NPF and BOPO variables had a negative and significant effect on the variable of Return on Asset (ROA), and the variable of CAR had a positive and insignificant on the variable of Return on Asset (ROA). Meanwhile, in a short-term, NPF and BOPO variables had a negative and significant effect on the variable of Return on Asset (ROA), and the variable of CAR had a positive and significant effect on the variable of Return on Asset (ROA).Keywords: Islamic Banks, Return on Asset, Non Performing Financing, Capital Adequacy Ratio, Operational Cost of Operational Income, Autoregressive Distributed Lag

scholarly journals Profitability of Islamic Rural Banks in West Sumatra: Analysis of the Third Party Funds and Financial Ratios

2022 ◽  
Vol 5 (2) ◽  
Author(s):  
Husni Shabri ◽  
Anisa Azhari
Keyword(s):  
Path Analysis ◽  
Direct Effect ◽  
Secondary Data ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Third Party ◽  
Islamic Banking ◽  
Capital Adequacy Ratio ◽  
West Sumatra ◽  
Intervening Variables

<div class="WordSection1"><p class="abstrak"><em>This research examines the problem of profitability in </em><em>Islamic Rural Bank (BPRS)</em><em> in West Sumatra Province. The purpose of this study was to analyze </em><em>Third Party Funds </em><em>(DPK), Capital Adequacy Ratio (CAR) and Non Performing Financing (NPF) as determinants that affect Return on Asset (ROA) at BPRS in West Sumatra Province through the intervening variable Financing to Deposit Ratio (FDR) for the 2015-2020 period. The research method uses descriptive quantitative approach with statistical path analysis through Sobel test. This study uses secondary data obtained from the financial statements of the BPRS. The results showed that DPK, CAR and FDR had no direct effect on the ROA of BPRS in West Sumatra Province for the 2015-2020</em><em> </em><em>period, only NPF had a direct effect on ROA. While indirectly through intervening variables, DPK and NPF have no effect on ROA, only CAR can be mediated by FDR on ROA. This research contributes to enriching knowledge about Islamic banking and can be used as consideration for entities in increasing the profitability of Islamic Rural Bank by looking at the factors that can affect profitability with FDR as the mediating variable.</em><em></em></p><p class="abstrak" align="left"> </p><p class="abstrak">Penelitian mengkaji tentang masalah profitabilitas pada BPRS di Provinsi Sumatera Barat. Tujuan penelitian ini adalah untuk menganalisis DPK CAR dan NPF sebagai determinan yang mempengaruhi ROA pada BPRS di Provinsi Sumatera Barat melalui intervening variable FDR periode 2015-2020. Metode penelitian menggunakan kuantitatif deskriptif dengan pendekatan statistik <em>path analysis</em> melalui uji sobel. Penelitian ini menggunakan data sekunder yang diperoleh dari laporan keuangan BPRS. Hasil penelitian menunjukan bahwa DPK, CAR dan FDR secara langsung tidak memiliki pengaruh terhadap ROA BPRS di Provinsi Sumatera Barat periode 2015-2020, hanya NPF yang berpengaruh langsung terhadap ROA. Sedangkan secara tidak langsung melalui variable intervening, DPK dan NPF tidak memiliki pengaruh terhadap ROA, hanya CAR yang mampu dimediasi oleh FDR terhadap ROA. Hasil penelitian ini berkontribusi menambah khazanah ilmu pengetahun tentang perbankan syariah dan dapat digunakan sebagai bahan pertimbangan bagi entitas dalam meningkatkan profitabilitas Bank Pembiayaan Rakyat Syariah dengan memperhatikan fator-faktor yang dapat mempengaruhi profitabilitas dengan FDR sebagai variabel mediasi nya.     </p><p class="abstrak"> </p></div>

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