scholarly journals Performa modal Bank Syariah di tengah pandemi covid-19

2021 ◽  
pp. 142-159
Author(s):  
Tri Inda Fadhila Rahma Inda
Keyword(s):  
Banking Industry ◽  
Financial Institution ◽  
External Factors ◽  
Capital Adequacy ◽  
Islamic Banking ◽  
Return On Assets ◽  
Internal Factors ◽  
Capital Adequacy Ratio ◽  
Asset Quality ◽  
Internal And External Factors

Capital is a very important function in overcoming risks that may occur in the Banking Industry. A bank is said to be healthy if a bank has sufficient capital despite possible risks. To see that a bank is healthy, capital indicators are also the most important measurement, namely through the capital adequacy ratio or Capital Asset Ratio (CAR). Things that can affect the size of the capital adequacy ratio can occur due to internal and external factors. Internal factors originating from the banking industry itself, such as profitability, asset quality, company size and liquidity. Meanwhile, external factors come from outside the company such as the macroeconomic condition of a country. The Covid-19 pandemic is one of the impacts that causes the economic condition of a country to weaken which impacts on investment. So this study aims to see how much the ability of Islamic banks in the midst of the Covid-19 Pandemic which began to occur in Indonesia from February 2020 to the end of 2020. And the factors that influence the capital adequacy ratio's size. The findings of this research show that during the Covid-19 pandemic, Islamic banking was able to show its performance as an ever-growing Islamic financial institution seen from the data on the development of assets and growth in deposits. Islamic banking CAR for the period of 2020 remains at a fairly strong level despite the covid-19 pandemic. Meanwhile, one of the internal factors that influence CAR is Return On Assets (ROA) with a significance value of 0.005.

Determinants of Islamic Bank Profitability: Evidence from Indonesia

2020 ◽  
Vol 5 (1) ◽  
pp. 1-13
Author(s):  
Puji Sucia Sukmaningrum ◽  
Kashan Pirzada ◽  
Sylva Alif Rusmita ◽  
Fatin Fadhilah Hasib ◽  
Tika Widiastuti ◽  
...  
Keyword(s):  
Interest Rate ◽  
Quality Management ◽  
Banking Industry ◽  
External Factors ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Return On Assets ◽  
Internal Factors ◽  
Bank Profitability ◽  
Islamic Bank

Objective – Islamic Banks have a distinct advantage that is not only conduct a commercial operation, but to also conduct social operations. Therefore, Islamic Banks plays an important role in developing the Indonesian economy. The aim of this study is to investigate the impact of internal and external factors that affect the profitability of Islamic Banks in Indonesia. Methodology/Technique – The methodology of this research is multiple regression. The object of this research is the Islamic banking industry in Indonesia. Internal factors include size, liquidity, asset quality, management, and efficiency ratio. External factors include interest rate and inflation. Return on Assets is used to measure profitability. The monthly data is collected from the financial reports of Islamic Banks between 2011 to 2016. Findings – The findings show that size, liquidity, assets quality, management ratio, interest rate and inflation lead to a greater Return on Assets (profitability) in Islamic Banks in Indonesia. Efficiency however does not have a significant effect on profitability of Islamic Banks in Indonesia. Novelty – Based on the results of this research, it can be concluded that the Islamic banking industry can use those variables to improve the profitability of Islamic banks in the future. In addition, there are two variables that affect the profitability of Islamic banking industry. For the Islamic banking industry should anticipate the movement of inflation and interest to improve the profitability of Islamic banks. Type of Paper: Empirical paper. Keywords: Islamic Banks; Profitability; Internal Factors; External Factors; Indonesia. Reference to this paper should be made as follows: Sukmaningrum, P.S; Pirzada, K; Rusmita, S.A; Hasib, F.F; Widiastuti, T; Hendratmi, A. 2020. Determinants of Islamic Bank Profitability: Evidence from Indonesia, J. Fin. Bank. Review, 5 (1): pp. 01 – 13 https://doi.org/10.35609/jfbr.2020.5.1(1) JEL Classification: G21, G24.

scholarly journals Analisis Pengaruh Faktor Internal dan Faktor Eksternal Terhadap Non Performing Financing pada Bank Umum Syariah

2021 ◽  
Vol 1 (3) ◽  
pp. 661-676
Author(s):  
Framesa Januari Rahmah ◽  
Leni Nur Pratami ◽  
Iwan Setiawan
Keyword(s):  
Inflation Rate ◽  
External Factors ◽  
Capital Adequacy ◽  
Internal Variables ◽  
Islamic Banking ◽  
Internal Factors ◽  
Capital Adequacy Ratio ◽  
External Variables ◽  
Negative Effect ◽  
The Moment

Islamic banking at the moment is one of the most important things in the economy in Indonesia. Non Performing Financing (NPF) is one of the ratio that is considered by Islamic banking. NPF is an indicator that shows the risk of payment failure in the financing provided by Islamic banking. This study aims to analyze the influence of internal factors and external factors on Non-Performing Financing. The study was conducted at Islamic Commercial Banks in Indonesia for the 2014-2018 period. The internal variables used are the Capital Adequacy Ratio (CAR) and the Financing to Deposit Ratio (FDR) and the external variables used are the inflation rate, Gross Domestic Product (GDP) and the BI Rate. The results of the research shown by the t test show that partially the CAR and BI Rate variables have a negative effect on NPF meanwhile FDR, inflation and GDP variables have no effect on NPF.

scholarly journals Influential Factors Responsible for Profitability: A Technical Study on Commercial Banks in Bangladesh

2019 ◽  
Vol 4 (2) ◽  
pp. 22-28
Author(s):  
S. M. Akber
Keyword(s):  
Commercial Banks ◽  
Influential Factors ◽  
External Factors ◽  
Capital Adequacy ◽  
Key Factors ◽  
Internal Factors ◽  
Return On Equity ◽  
Investment Control ◽  
Asset Quality ◽  
Internal And External Factors

This paper explores how many internal and external factors from 2007-2017 affect the competitiveness of commercial banks in Bangladesh. Many bank-specific variables are used to achieve the goals as internal factors, and macroeconomic variables are used as external factors. A sample of seven commercial banks will be used for this purpose. Return on equity is used as a proxy for profitability and capital adequacy, the size of asset quality banks, investment control, liquidity, resource structure, and economic indicators are used as proxies for the independent variable. The paper's overview findings show that asset structure, capital adequacy, and asset quality are the key factors in Bangladesh's profitability for the commercial bank. The paper's outcome indicates that if commercial banks are more worried about these factors, they could produce a better return on the competitive market.

scholarly journals Pengaruh Faktor Internal dan Faktor Eksternal Terhadap Harga Saham Perusahaan Sektor Pertambangan di ISSI

2020 ◽  
Vol 1 (1) ◽  
pp. 200-213
Author(s):  
Kirana Arenggaraya ◽  
Tjetjep Djuwarsa
Keyword(s):  
World Bank ◽  
Significant Influence ◽  
Stock Prices ◽  
External Factors ◽  
Return On Assets ◽  
Mining Sector ◽  
Current Ratio ◽  
Internal Factors ◽  
The World Bank ◽  
Internal And External Factors

This study was made to analyze the influence of both internal and external factors towards stock prices of mining sector companies listed on Indeks Saham Syariah Indonesia (ISSI). Internal factors that used are Return On Assets i(ROA) and Current Ratio (CR), and for the external factors are inflation and Gross Domestic Product (GDP). Stock prices used in this study is stock prices of mining sector companies that consistently listed in ISSI from December 2012 to May 2019. The sample consisted of 17 companies. All of the data were obtained from the official websites of Bursa Efek Indonesia, Bank Indonesia, and the World Bank. Data Panel Regression Analysis is used in this study, using Eviews 11. This study’s results are: partially ROA has a positive and significant influence on stock prices, while partially CR, inflation, and GDP has positive and insignificant influences on stock prices. Simultaneously ROA, CR, inflation, and GDP have a positive and significant influence on stock  prices.

scholarly journals Analisis Kinerja Keuangan berdasarkan Rasio Keuangan pada PT. BPR. Saptacristy Utama

2017 ◽  
Author(s):  
NI LUH KOMANG AYU PRADNYANI ◽  
I NYOMAN GEDE USTRIYANA ◽  
I GUSTI AYU AGUNG LIES ANGGRENI
Keyword(s):  
Financial Performance ◽  
Activity Ratio ◽  
Financial Analysis ◽  
Financial Institution ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Return On Equity ◽  
Leverage Ratio ◽  
Capital Adequacy Ratio ◽  
Net Profit

Analysis of Finece Performance Base on Fund Finance Ratio of PT. BPR. Saptacristy UtamaRural Banks (BPR) is a formal financial institution that has a function as a financialintermediary, especially on the national microfinance system. The study aimed tofind out the financial performance of PT. BPR. Saptacristy Utama when it wasanalyzed based on the financial ratios during the period of 2011 to 2015. Based onthe results of the financial analysis, liquidity ratio is categorized good, when viewedfrom the average cash ratio and the average loans to deposit ratio. The solvency ratiois said to be good, judging by the average capital adequacy ratio. Activity ratio isquite good when viewed from the multiplier leverage ratio and asset utilization ratiothat continue to increase. The profitability ratio is classified to be good,as can beseen on the average net profit margin, return on assets and return on equity. PT. BPR.Saptacristy Utama is expected to maintain its financial performance by strengtheningits business activities to increase the amount of its assets, the amount of thedistribution of funds in the form of loans and the placement of funds in other banksshould also be increased, revenue of operations and profits for subsequent yearsshould beincreased, as well as improving sale and service to its customers andprospective customers.

scholarly journals Determinan of Implementation Profit Sharing Financing in Islamic Banking

2019 ◽  
Vol 4 (1) ◽  
pp. 582 ◽  
Author(s):  
Winarsih Winarsih ◽  
Winda Asokawati
Keyword(s):  
Multiple Regression ◽  
Analytical Method ◽  
Profit Sharing ◽  
Capital Adequacy ◽  
Third Party ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Return On Assets ◽  
Purposive Sampling ◽  
Capital Adequacy Ratio

One of the characteristics of Islamic banking is using the concept of profit� sharing financing. This study aims to determinan of implementation profit sharing financing, consist of Third Party Funds , Non Performing Financing, Return On Assets, Capital Adequacy Ratio� and Financing to Deposit Ratio. The population in this study are all Islamic banking which listed in Bank of Indonesia in the periode �2013 to 2016. The sample was selected using purposive sampling methodTotal samples used in this study were 11 Islamic Banks with 4-year study period, with �get sampleof 44 data.� The analytical method used in this study is multiple regression were processed using SPSS. The results of this study indicate third party funds, financing to deposit ratio� have a positive significant effect to the financing profit sharing. While non performing financing ,return on asset and capital adequacy ratio �no effect on the profit �sharing financing.

scholarly journals ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI LIKUIDITAS BANK SYARIAH DI INDONESIA MENGGUNAKAN METODE VECTOR ERROR CORRECTION MODEL (VECM)

2019 ◽  
Vol 4 (2) ◽  
pp. 117
Author(s):  
AYIF FATHURRAHMAN ◽  
FIRSHA RUSDI
Keyword(s):  
Interest Rates ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Internal Factors ◽  
Correction Model ◽  
Vector Error Correction ◽  
Vector Error ◽  
Capital Adequacy Ratio ◽  
Positive Effect

This study aims to analyze the factors that affect the liquidity of Islamic banks in Indonesia. The analysis is carried out using sequential monthly data published by Bank Indonesia in the period 2010 to 2018. The variables used are internal factors (Capital Adequacy Ratio (CAR), Return On Assets (ROA)) and external factors (SBI Inflation and Interest Rates) ) The method used in this study is the Vector Error Corection Model (VECM). Based on the results of the study show that in the short term, the variable CAR, ROA, Inflation and SBI interest rates positively and significantly affect FDR. Whereas in the long term, the CAR variable and inflation have a significant positive effect on FDR, the ROA variable negatively influences FDR. And the variable SBI interest rate does not have a significant effect on FDR.

scholarly journals Comparison of Islamic and Conventional Banking Financial Performance during the Covid-19 Period

2021 ◽  
Vol 4 (SI) ◽  
Author(s):  
Ulumuddin Nurul Fakhri ◽  
Angga Darmawan
Keyword(s):  
Financial Performance ◽  
Capital Adequacy ◽  
Islamic Banking ◽  
Short Term ◽  
Return On Assets ◽  
Operating Income ◽  
Performance Variables ◽  
Performance Factors ◽  
Capital Adequacy Ratio ◽  
Artificial Neural Network Ann

The COVID-19 pandemic that is spreading in Indonesia has affected economic growth, likewise banks sector. This study aims to determine the financial performance factors that are affected by the COVID-19 pandemic, both in Islamic and conventional banking which are included in the CBGB 2 category so that banks in Indonesia can anticipate it. This study uses the Artificial Neural Network (ANN) method with 6 financial performance variables in the period of January 2020 - September 2020, namely Capital Adequacy Ratio (%), Operating Expenses / Operating Income (%), Net Operation Margin (%), Landing on Deposits. Ratio (%), Short Term Mismatch (%) which are used as the independent variable, as well as Return on Assets which is used as the dependent variable. The results showed that the COVID-19 pandemic affected financial performance factors in the form of a Funding to Deposit Ratio of 35.21%; Short Term Mismatch of 26.92% and Net Operation Margin of 26.92% in Islamic banking. Whereas in conventional banking, Operating Expenses to Operating Income was 72.87% and the Capital Adequacy Ratio was 17.31%. This result is also in line with previous research where Islamic banking is more vulnerable than conventional banking in facing financial crises.

scholarly journals FINANCIAL PERFORMANCE ANALYSIS FOR RETURN ON ASSETS WITH A MULTIPLE LINIER REGRESSION APPROACH

2020 ◽  
Vol 8 (2) ◽  
pp. 42-50
Author(s):  
Hendra H Dukalang
Keyword(s):  
Financial Performance ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Operating Income ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Spss Software ◽  
Asset Quality ◽  
Microsoft Office

This study aims to model the factors that affect the financial performance of Bank Muammalat, including Capital Adequacy Ratio (CAR), Earning Asset Quality (KAP), Operational Expenses to Operating Income (BOPO), and Financing to Deposit Ratio (FDR) to Return on Assets. (ROA) This research uses secondary data taken based on time series. The analysis technique in this study uses multiple linear regression using SPSS software version 20 and Microsoft Office Excel 2010. The results of this study indicate that partially the CAR and KAP partially do not have a significant effect on Return On. Assets, while Operational Expenses to BOPO and FDR partially have a significant effect on Return on Assets. Simultaneously, these four variables have a significant effect on Return on Assets at PT Bank Muamalat Indonesia. Based on the results of the Determination Coefficient test, the value of Adjusted R Square (R2) is 99.00%, this means that the amount of Return on Assets can be influenced and explained by the variables CAR, KAP, BOPO, and FDR, while the remaining 1% is explained by variables not examined in this study.

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