The Effect of Inflation, Bank Indonesia Rate, Non Performing Financing, and Costs of Operating Expenses to Operating Revenues on Profitability of Sharia Commercial Banks in Indonesia

2018 ◽  
Vol 2 (2) ◽  
Author(s):  
Toufan Aldian Syah ◽  
Alfato Yusnar Kharismasyah
Keyword(s):  
Economic Development ◽  
Commercial Banks ◽  
Banking Industry ◽  
External Factors ◽  
Muslim Country ◽  
Negative Effects ◽  
Internal Factors ◽  
The World ◽  
Test Correlation ◽  
The Ideal

The Banking Industry has a very important role in economic development in a country. Indonesia, which is the largest Muslim country in the world, certainly has excellent prospects for the development of the Sharia Banking Industry in the future. Therefore, the development of Sharia banks has slowed in recent years and the profitability of Sharia banks is also still below the ideal value. This study aims to determine the internal factors and external factors that influence the profitability of Sharia Commercial Banks from January 2012 to August 2017. The variables used in this study are ROA, Inflation, NPF, and OEOR. The data used is the aggregate data of all Sharia Commercial Banks registered at Bank Indonesia. Measurement of Statistical Descriptions, F-test, t-test, Correlation Coefficient, Determination Coefficient and Multiple Linear Regression using IBM SPSS 21 software. The results showed that there were significant negative effects of the variable BI rate, NPF, and OEOR while the Inflation variable showed a negative but insignificant effect. Overall the above variables affect ROA by 87.7% while 12.3% is likely to be influenced by other factors.

Pengaruh Inflasi, BI Rate, NPF, dan BOPO terhadap Profitabilitas Bank Umum Syariah di Indonesia

2018 ◽  
Vol 6 (1) ◽  
pp. 133-153
Author(s):  
Toufan Aldian Syah
Keyword(s):  
Banking Industry ◽  
External Factors ◽  
Coefficient Of Determination ◽  
Muslim Country ◽  
Internal Factors ◽  
Slowing Down ◽  
The World ◽  
Negative Effect ◽  
Test Correlation ◽  
The Ideal

Banking industry has a very important role in economic development in a country. Indonesia, which is the largest Muslim country in the world, certainly has the prospect of the development of Sharia Banking Industry is very good in the future. However, the development of Sharia Bank has been slowing down in recent years and the profitability of sharia comercial banking is still below the ideal value. This study aims to determine the internal factors and external factors that affect the profitability of Sharia Bank in the year of January 2012 until August 2017. The variables used in this study are ROA, Inflation, NPF, and BOPO. The data used is aggregate data of all Sharia Commercial Banks recorded at Bank Indonesia. Measurement of Statistic Description, F-Test, T-Test, Correlation Coefficient, Coefficient of Determination and Multiple Linear Regression using IBM SPSS 21 software. The results showed that significant negative effect of BI rate, NPF and BOPO was found, while Inflation variable showed negative but not significant. Overall, the above variables affect the ROA of 87.7%, while 12.3% is likely to be influenced by other factors.

scholarly journals The Impact of Interest Rate Liberalization on the Interest Rate Spread of Commercial Banks in China

2020 ◽  
Vol 5 (1) ◽  
pp. 10
Author(s):  
Wenyi Bai
Keyword(s):  
Economic Development ◽  
Interest Rate ◽  
Commercial Banks ◽  
Banking Industry ◽  
Rapid Development ◽  
Negative Effects ◽  
Interest Rate Liberalization ◽  
Interest Rate Spread ◽  
The Interest Rate ◽  
The Impact

<p>In recent years, with the continuous improvement of China's economic development level, the banking industry has developed by leaps and bounds. Its profitability and comprehensive competitiveness has been greatly improved. banks are the symbol of financial economy and the embodiment of a country's economic strength. The steady development of the banking industry will have directly impact on social stability and the level of economic development. The emergence of interest rate liberalization has reduced the state's decision on interest rate, which brings more convenience and great development opportunities to banks, promoting the rapid development of the banking industry. However, it is undeniable that interest rate liberalization will also bring some negative effects to China's commercial banks. Therefore, in order to provide reference and reference for the needs of relevant parties, we must fully understand and grasp the meaning of interest rate liberalization, find out the influencing factors, and on this basis, put forward targeted suggestions.</p>

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 Study on the Prevention and Controlling of Dissimilation of Social Functions of Commercial Banks Based on the Fulfillment of Social Responsibility of Chinese Commercial Banks

2020 ◽  
Vol 1 (2) ◽  
Author(s):  
Zhuobi Luo
Keyword(s):  
Economic Growth ◽  
Economic Development ◽  
Commercial Banks ◽  
Well Being ◽  
Great Contribution ◽  
Social Functions ◽  
The People ◽  
The Social ◽  
The World ◽  
Socio Economic Development

The dissimilation of the social functions of commercial banks is a phenomenon that the function of commercial banks deviates from the economic development and the people's livelihood. Such phenomenon, which can be seen all over the world, impedes the socio-economic development and affects the well-being of the people to some degree. After investigating and analyzing the dissimilation of the social functions of Chinese commercial banks, it was found that their social functions play a significant role, and the booming development of these banks has made great contribution to the economic growth and improved people's livelihood in China. China should also have special experience in preventing and handling this dissimilation.

scholarly journals Determinants of Bank Profitability

2021 ◽  
Vol 9 (2) ◽  
pp. 1-14
Author(s):  
Yasmeen Sultan ◽  
Keyword(s):  
Research Study ◽  
Banking Industry ◽  
External Factors ◽  
Adverse Impact ◽  
Financial Intermediaries ◽  
Internal Factors ◽  
Bank Profitability ◽  
Factors Affecting ◽  
Price Increases ◽  
And Performance

Banks are the most vital financial intermediaries in economy, which has a profitable banking industry; in order to survive undesirable shock as well as subsidize the constancy under the whole economy. However, the main purpose of this research is in the direction of analyzing factors affecting banks’ effectiveness all over Pakistan by means of sets of targeted facts and figures of twenty panels from 2005 to 2015. This study is developed with the help of AOLS technique which is used to examine the effect of different factors such as resources, debts, justice, securities, economic growth, price increases, price decreases, and market capitalization on major profitability signs such as (ROA), (ROE), (ROCE) and (NIM). The experimental consequences analyzed solid facts which stated the following conclusion, i.e., internal factors and external factors create an adverse impact on the level of profitability. An outcome by this research is important to different researchers. This research study proposed that by the concentration & reengineering the internal drivers the banks can improve its profitability and performance.

scholarly journals Was the Turkish Financial Crisis in 2001 Caused by External or Internal Factors?

2013 ◽  
Author(s):  
Fatih Konak ◽  
Hakan Turan
Keyword(s):  
Financial Crisis ◽  
Global Financial Crisis ◽  
Current Account Deficit ◽  
Banking System ◽  
External Factors ◽  
Negative Effects ◽  
Internal Factors ◽  
Crude Oil Prices ◽  
Turkish Economy ◽  
Seasonal Factors

There has been much discussion on the issue of whether financial crisis are caused by external factors or internal factors. This research has attempted to demonstrate what were the real reasons whether internal or external factors, behind the Turkish financial crisis in 2001. The crucial question that demands an answer is ‘which one of them overwhelmingly triggered the crisis. It was argued that before the crisis occurred, the Turkey economy had been affected by some unfavourable external shocks such as, rise in crude oil prices which increased the current account deficit; however, it can be seriously solved by employing correct finance technique that using long-term capital and direct investment instead of short-term capital. Therefore, external factors effects on the economy can be eliminated by right monetary policy, which means they were not the key factors. On the other hand, there were many internal factors behind the crisis such as fragile finance and banking system, ruling out dis-inflation negative effects and seasonal factors and so on. It could be advocated that these factors led the Turkish economy into uncertain situation and they had central part in the crisis because, when the last global financial crisis was occurred in 2008, although all unexpected external factors were soared, the Turkish economy was less affected, because the Turkish economy has been become more durable by solving the internal triggering factors.

scholarly journals ANALISIS FAKTOR-FAKTOR INTERNAL YANG MEMPENGARUHI PEMBIAYAAN USAHA MIKRO KECIL DAN MENENGAH (UMKM) PADA BANK SYARIAH DI INDONESIA

2016 ◽  
Vol 2 (1) ◽  
Author(s):  
Risna Destiana
Keyword(s):  
Time Series ◽  
Economic Development ◽  
External Factors ◽  
The Other ◽  
Third Party ◽  
Business Unit ◽  
Limited Data ◽  
Internal Factors ◽  
Regression Test ◽  
Internal And External Factors

It is a fact that the UMKM’s are resistant due to monetary crisis in Indonesia. It proves UMKM’s significant and important roles of the economic development in establishing employment, improving National Gross Domestic Product and developing national industries. Because of these potentials of UMKM’s, banks should provide assistantships by providing their loan as financial aids. It is however, influenced by some factors such as internal and external factors. The aim of this research was to analyze the influence of internal factors which refers to internal bank condition such as third party funds (DPK), capitals, profitability, risk and liquidity toward UMKM’s at syaria banking in Indonesia. The data of the study were taken from general syaria bank (BUS) and syaria business unit (UUS) which were provided in the syaria banking statistic from Indonesian central bank (official website of BI) from 2008 up to Juni 2013. Due to the limited data provided in syaria banking statistic, the 2008 and 2009 data were three-monthly: March, June, September and December while the 2010 to Juni 2013 data were monthly. Thus, there were 50 time series of observation. The data were analyzed by using regression provided in 17.0 ver. SPSS. The result of regression test shows that internal factors which significantly influenced UMKM’s finance at syaria banking were the DPK and liquidity, whereas the other factors such as the capital, profit and risk had no significance on the financing UMKM’s. 

scholarly journals The Effects of COVID-19 on EFL Learners’ Anxiety at the University of Bisha

2021 ◽  
pp. 209-221
Author(s):  
Ghazwan Mohammed Saeed Mohammed ◽  
Badri Abdulhakim DM Mudhsh
Keyword(s):  
External Factors ◽  
Negative Effects ◽  
Internal Factors ◽  
Male And Female ◽  
Efl Learners ◽  
Learning And Teaching ◽  
Learning Anxiety ◽  
Significant Difference ◽  
Two Factors ◽  
The University

This study investigates the effects of COVID-19 on English as a foreign language (EFL) learners’ anxiety at the University of Bisha, Kingdom of Saudi Arabia. The differences between male and female learners and learners of the different study levels in terms of anxiety caused by COVID-19 were investigated. Moreover, the study sheds light on two factors which are the internal factors and external factors that increase learning anxiety during COVID-19 and the strategies used by the learners to decrease the negative effects of COVID-19 on learning anxiety. The data of the study were collected from 80 EFL learners (40 males and 40 females) at the University of Bisha. This study is considerable as it deals with something that is important in the learning and teaching processes these days. The study revealed that COVID-19 causes normal anxiety to the EFL learners at the University of Bisha. It was also revealed that there is no significant difference between the male and female learners in terms of anxiety caused by COVID-19 and external factors. There is a significant difference between them in terms of the internal factors and strategies used by the learners to decrease the negative effects of learning anxiety during COVID-19. Lastly, there was no significant difference between the learners of the different study levels in terms of anxiety, internal factors and external factors that increase negative learning anxiety and the strategies used by the learners to decrease the negative learning anxiety during COVID-19.

Kendala Usaha Mikro Dalam Mengakses Kredit Usaha Rakyat (KUR)

Liquidity ◽  
2018 ◽  
Vol 4 (1) ◽  
pp. 64-72
Author(s):  
Siti Maryama
Keyword(s):  
Descriptive Analysis ◽  
External Factors ◽  
Application Process ◽  
Internal Factors ◽  
Analysis Techniques ◽  
Independent Variables ◽  
Dependent Variables ◽  
Internal And External Factors ◽  
Research Analysis ◽  
Test Correlation

There are two objectives in this study: (1) to determine how micro businesses in Ciputat in accessing loan credit program (KUR) for their business development; (2) analyze the factors that can be an obstacle in accessing it. The research data obtained through questionnaires and interviews with micro entrepreneurs (traders) who are in the market Ciputat, South Tangerang Municipality. Research analysis techniques using descriptive analysis techniques and quantitative analysis. The variables in the study include independent variables/internal factors and external the dependent variables/constraints. Relationships between variables were examined by using test correlation coefficient. The study concluded that essentially the factors or constraints that may affect businesses in accessing credit consists of internal and external factors. Internal factors consist of background education, their understanding about credit, collateral owned, and the courage to apply for credit. While external factors consist of socialization of KUR, lending, collateral requirements, licensing, and credit application process. This is shown by the average of respondents agree that these factors affect or be an obstacle in accessing credit.

Looking to the Future: Towards a Common Sense of Purpose

2005 ◽  
Vol 29 (2) ◽  
pp. 182-186 ◽  
Author(s):  
Mel Ainscow
Keyword(s):  
Secondary Schools ◽  
Common Sense ◽  
Parental Choice ◽  
External Factors ◽  
School Systems ◽  
Internal Factors ◽  
Sense Of Purpose ◽  
The World ◽  
The Future ◽  
Educational Inclusion

The articles in this journal focus on what is, arguably, the biggest challenge facing school systems throughout the world, that of educational inclusion. It is hardly surprising that this is particularly challenging in secondary schools. Within such schools, internal factors, such as size and organisational complexity, clearly complicate attempts to foster more flexible and responsive arrangements. At the same time, external factors, not least the effects of competition between schools and parental choice, create particularly intensive pressures to achieve improved results in tests and examinations.

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