Faktor-Faktor Yang Mempengaruhi Persepsi Dan Pemahaman Tentang Produk Pembiayaan Syariah Pada Karyawan Perbankan Syariah Di Indonesia

Liquidity ◽  
2017 ◽  
Vol 6 (1) ◽  
pp. 12-18
Author(s):  
Masriyanda Masriyanda
Keyword(s):  
Quantitative Data ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Basic Principles ◽  
Statistical Software ◽  
Islamic Bank ◽  
Bank Financing ◽  
And Training

Research in this paper attempts to examine the influence of knowledge about Islamic bank product, the basic principles of Islamic banking, training and religiosity to perceptions and understanding of Islamic bank financing products. Research conducted on employees in some Islamic banks in Indonesia, the banks participating in this study were Bank Muammalat Indonesia, Bank BNI Syariah, Bank BTN Syariah, Bank BRI Syariah, Bank BPD DIY sharia and Bank Sulselbar Sharia. Quantitative data were processed using SPSS 20.0 statistical software. using multiple linear regression analysis. The results illustrate that the knowledge of Islamic bank products and training influence the perception and understanding of Islamic bank financing products. While the basic principles of Islamic banking and religiosity have no influence on perception and understanding of Islamic bank financing products.

scholarly journals Determinants of Mudharabah Term Deposit: A Case of Indonesia Islamic Banks

2021 ◽  
Vol 5 (2) ◽  
pp. 167-180
Author(s):  
Fachru Nurul Umam ◽  
Annisa Nur Salam ◽  
Achmad Rizal
Keyword(s):  
Interest Rate ◽  
Negative Impact ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Profit Rate ◽  
Islamic Bank ◽  
Several Variables ◽  
The Interest Rate

The growth of Islamic finance industries in Indonesia has shown significant improvement. The increased number of surplus units depositing their funds in Islamic banks has become a significant factor in their trust and confidence in Islamic banking products. One of the products utilized by the depositor is the mudharabah deposit product, where the Islamic bank offers higher profit compared to other types of deposit or saving. This paper aims to analyze the issues in a mudharabah term deposit in the Islamic banking industry in Indonesian Islamic banks. The issues concern more on the profit and risk in the mudharabah concept that has been applied in Islamic banks and the variables that affect the changes in mudharabah deposit product. We used the sample to analyze the issues by selecting 14 Islamic banks in Indonesia from 2011-2020.  This research uses a quantitative approach with multiple linear regression analysis methods. Several variables are considered the independent variables to know the changes in the demand of mudharabah deposits in the Islamic bank, including interest rate, profit rate, number of office or branch units, and non-performing financing. Our analysis shows that the number of offices or branch units and non-performing financing positively impact the changes in demand of mudharabah deposits, while the interest rate and profit rate have a negative impact on mudharabah deposits.

scholarly journals Apakah Sukuk Ritel Merupakan Ancaman Bagi penghimpunan Dana Pihak Ketiga Pada Bank Syariah?

2020 ◽  
Vol 25 (2) ◽  
pp. 182
Author(s):  
Muhammad Syakur
Keyword(s):  
Linear Regression Analysis ◽  
Secondary Data ◽  
Multiple Linear Regression Analysis ◽  
Least Square ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Ordinary Least Square ◽  
Analysis Techniques ◽  
Independent Variables ◽  
Islamic Bank

This research is a quantitative study that aims to consider the effect of retail sukuk on the collection of third parties funds (TPF) in Indonesian Islamic Banks for 2015 - 2019. The data used are secondary data retrieved from Islamic Banking Statistics Report for shariah commercial and unit shariah bank quarterly. The method is multiple linear regression analysis techniques with Ordinary Least Square (OLS) approach, using TPF as the dependent variable while Retail Sukuk, ROA, Promotion Cost, Inflation and Bi rate as the independent variables. The results shows Retail Sukuk has a negative and significant impact on the collection of TPF which is intended that retail sukuk is causing the decrease of TPF amount in Indonesian Islamic bank. Therefore the Indonesian government needs to review the policies related to retail sukuk issuance in order to synergize with the development of Islamic Banks. Other results indicate that ROA and promotion costs have positive and significant influance for TPF collection in Indonesian Islamic bank while BI rate is the opposite.

Peranan Komisaris dan Direksi Bank Syariah dalam Pengelolaan Dana Zakat dan ISR (Islamic Social Responsibility) di Indonesia

2019 ◽  
Vol 14 (2) ◽  
pp. 95
Author(s):  
Melia Frastuti ◽  
Dimas Pratama Putra ◽  
Erfan Effendi
Keyword(s):  
Social Responsibility ◽  
Commercial Banks ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Islamic Banks ◽  
The Public ◽  
Islamic Bank ◽  
Positive Assessment ◽  
Nature Preservation

Abstract     Almsgiving is one of the pillars supporting the upholding of Islam as the obligation for the adherents to improve horizontal relations between fellow humans and strengthen vertical relations with Allah SWT. The implementation of Islamic Social Responsibility (ISR) of the Islamic Bank gives a positive assessment in sharia agreement, justice and equality, responsibility for work, welfare, guarantee of nature preservation and benevolent assistance that is not profit-oriented.Proper almsgiving management and ISR implementation make Islamic banks trusted by the public in terms of service quality, satisfaction and loyalty of Muzzaki. It reduces bad images, and provides relevant impacts on social welfare and the progress of the era. The data analysis used to test the hypotheses is Multiple Linear Regression analysis. The data is collected by distributing questionnaires to Commissioners and Directors at 14 (fourteen) Islamic Commercial Banks spread throughout Indonesia. The result of this study shows partially prove the role of Islamic bank commissioners in the amsgiving management only, while the importance of the role of directors in Islamic banks in almsgiving management and the implementation of ISR partially. Keywords: Islamic Bank, Commissioners, Directors, Almsgiving and ISR

scholarly journals The Effect of Financing on Credit Risk: Empirically on Indonesian Islamic Banking

2021 ◽  
Vol 5 (1) ◽  
pp. 503
Author(s):  
Fitri Zaelina ◽  
Dwi Nastiti
Keyword(s):  
Time Series Data ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Series Data ◽  
Islamic Banking ◽  
Islamic Banks ◽  
The Public ◽  
Analysis Techniques ◽  
Independent Variables ◽  
Financing Risk

Islamic banking has an important role in the economy, especially in moving the real sector. Islamic banking provides funding to the public in the form of financing. The financing provided cannot be separated from various risks that can threaten the health of the bank, one of which is financing risk. For that, the purpose of this study is to analyze the effect of financing on financing risk in Islamic banks for the period 2015 to 2020. The method used in this study is quantitative with multiple linear regression analysis techniques. This study uses time-series data and the variables in this study are mudharabah, musyarakah, murabahah, ijarah financing, and total assets as independent variables and NPF as a dependent variable. The results of the study concluded that total assets had a negative and significant effect on NPF and murabahah financing had a positive and significant effect on NPF. Meanwhile, mudharabah, musyarakah, and ijarah financing has no significant effect on NPF.

scholarly journals DETERMINAN KINERJA KEUANGAN PERBANKAN SYARIAH PERIODE 2014-2018

2020 ◽  
Vol 2 (1) ◽  
pp. 21-36
Author(s):  
Kinanti Pradita Pangesti ◽  
Himawan Arif Sutanto
Keyword(s):  
Financial Performance ◽  
Intellectual Capital ◽  
Financial Services ◽  
Performance Index ◽  
Linear Regression Analysis ◽  
Value Added ◽  
Social Reporting ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Islamic Bank

The increasing trend in the halal industry is one of the growth factors of sharia banking, but the increase in sharia banking growth is also accompanied by an increase in financing issued by sharia banks that can affect the financial performance of sharia banks. The high risk of financing and the weak fulfillment of the quality of Islamic bank human resources resulted in the performance of Islamic banks always below conventional banks. This study aims to determine the effect of intellectual capital, non-performance financing, Islamic social reporting and Islamic performance index on the financial performance of Islamic banking. The data was taken purposively from Islamic banking companies registered with the Financial Services Authority (OJK) for the 2014-2018 period. Multiple linear regression analysis has been used to analyze the data in this study. The results showed that Non-Permofance Financing (NPF) had a negative effect on the financial performance of Islamic Banks. Whereas Intellectual Capital as measured by Value Added Intellectual Coefficient (VAIC), Islamic Social Reporting, and Islamicity Performance Index has no effect on Islamic bank finance. .

scholarly journals Patterns of Islamic Banks Financing to Increase the Number of Halal Tourism and the Local Generated Income (PAD) Growth In Indonesia

2019 ◽  
Vol 4 (1) ◽  
pp. 10
Author(s):  
Fadli Muhammad
Keyword(s):  
Tourism Industry ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Islamic Bank ◽  
Bank Financing ◽  
Tourism Sector ◽  
Capital Financing ◽  
Tourism Potential ◽  
Relationship Of ◽  
The Relationship

This study aims to analyze the relationship of Islamic bank financing to the increase the number of halal tourists and the growth the local generated income (PAD) period 2015-2016 in 33 provinces, Indonesia. Using the research method is granger causality and panel data multiple regression with the Minitab analytical tool. This model analyzes the influence of Islamic bank financing contributions to the number of halal tours and the local generated income. The amount of Islamic banks financing in the tourism sector such as restaurant and tourism business has contributed to increase the number of halal tourists and the growth of the local generated income (PAD). The results of this study can be used for the Islamic banking industry to support capital financing for the halal industry. In previous studies only analyzed the halal tourism potential, as well as the potential of the tourism industry in general for the local generated income. However, this study discusses the contribution of Islamic bank financing to the number of halal tourism and an increase in the local generated income.

scholarly journals Financing Diversification and Profitability of Islamic Banking in Indonesia

2021 ◽  
Vol 21 (02) ◽  
Author(s):  
Iin Emy Prastiwi ◽  
Anik Anik
Keyword(s):  
Series Data ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Regression Analyses ◽  
Economic Sectors ◽  
Times Series ◽  
Islamic Bank ◽  
Business Units ◽  
Bank Financing ◽  
The Times

This study aims to determine the effect of Islamic bank financing diversification based on economic sectors and based on the type of use on profitability. This study uses financing data for Islamic Banks and Islamic Business Units in 2014-2018. The data in this study are the times series data. Data analyzed by used multiple linear regression analyses. This research provides that results that the HHI of diversification of Islamic bank financing based on the economic sector is positively related to increasing the profitability of Islamic banks. It means diversification of financing based on high economic sectors, has an impact on reducing the profitability of Islamic banks in Indonesia. While the HHI of diversification of financing by type of use give a significant influence in increasing the profitability of Islamic banks in a negative direction. If Islamic banking only focuses on channeling financing to the consumption sector, it can have an impact on decreasing profitability. So that Islamic banking needs to equalize the distribution of consumption to the working capital and investment sectors. The results of this study are interesting because it can be used as a reference for Islamic banking in determining the policy of diversification of financing to obtain high profitability with low risk.

scholarly journals The Effect OF FDR, NPF, OEOI, and Size Toward ROA (Comparative Study on Indonesian Islamic Bank and Malaysian Islamic Bank Periode 2010-2015)

2019 ◽  
Vol 3 (1) ◽  
pp. 12
Author(s):  
Anafil Windriya
Keyword(s):  
Regression Analysis ◽  
Linear Regression ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Islamic Banks ◽  
Operating Income ◽  
Independent Variables ◽  
Islamic Bank ◽  
Chow Test ◽  
Significant Difference

  This research aims to analyze the influence of Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Operating Expenses to Operating Income (OEOI), Firm Size toward Return On Asset (ROA). The object of this research are Islamic Bank in Indonesia and Islamic Bank in Malaysia in 2010-2015. Another aim is to determine whether there are differences in effects of FDR, NPF, OEOI and size toward ROA between Islamic Bank in Indonesia and Islamic Bank in Malaysia. Multiple linear regression analysis was used to test the hypothesis in this study. Chow test is used to determine the differences in the effect. The results of this study concluded that FDR, NPF, OEOI and Size effect on ROA simultaneously, both at Indonesian Islamic Bank and Malaysian Islamic Bank. In Indonesian Islamic Bank, independent variables that influence toward ROA are FDR, OEOI and Size. In Malaysia Islamic Bank, only OEOA wich affecting toward ROA. Based on the chow test, can be concluded that there is a significant difference between the Indonesian Islamic Bank and Malaysian Islamic Bank. Results of independent t test showed that the average variable that has a different effect between Indonesia Islamic Banks and Malaysia Islamic Banks is Size.

scholarly journals Analysis of Impact of CAR, NPF, BOPO on Profitability of Islamic Banks (Year 2015-2017)

2019 ◽  
Vol 2 (1) ◽  
pp. 30-59 ◽  
Author(s):  
Wahyu Intan Kusumastuti ◽  
Azhar Alam
Keyword(s):  
Commercial Bank ◽  
Commercial Banks ◽  
Linear Regression Analysis ◽  
Secondary Data ◽  
Financial Statements ◽  
Multiple Linear Regression Analysis ◽  
Bank Performance ◽  
Islamic Banks ◽  
Analysis Method ◽  
Islamic Bank

Islamic banks have been known as the resistant banks to the global crisis that hit Indonesia a few years ago. The unique maintenance of Islamic bank performance leads to business continuity. Some Islamic bank performance can be measured by its profitability. There are some factors that affect the profitability Islamic bank and used in this study including CAR, BOPO, and NPF. While the purpose of this study is to determine the effect of CAR, BOPO and NPF on the profitability of Islamic commercial banks. The population of this research is the Islamic commercial bank whose financial statements have been published to the statistics of Islamic banks from 2015 -2017. This research used secondary data from OJK website. Data analysis in this paper conducted multiple linear regression analysis method. The results of this study indicate that the BOPO variable has a significant effect on ROA. On the other hand  CAR and NPF variables have no significant effect on ROA.

scholarly journals Peranan Komisaris dan Direksi Bank Syariah dalam Pengelolaan Dana Zakat dan ISR (Islamic Social Responsibility) di Indonesia

2019 ◽  
Vol 14 (2) ◽  
pp. 95-108
Author(s):  
Melia Frastuti ◽  
Dimas Pratama Putra ◽  
Erfan Effendi
Keyword(s):  
Social Responsibility ◽  
Commercial Banks ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Islamic Banks ◽  
The Public ◽  
Islamic Bank ◽  
Positive Assessment ◽  
Nature Preservation

Almsgiving is one of the pillars supporting the upholding of Islam as the obligation for the adherents to improve horizontal relations between fellow humans and strengthen vertical relations with Allah SWT. The implementation of Islamic Social Responsibility (ISR) of the Islamic Bank gives a positive assessment in sharia agreement, justice and equality, responsibility for work, welfare, guarantee of nature preservation and benevolent assistance that is not profit-oriented. Proper almsgiving management and ISR implementation make Islamic banks trusted by the public in terms of service quality, satisfaction and loyalty of Muzzaki. It reduces bad images, and provides relevant impacts on social welfare and the progress of the era. The data analysis used to test the hypotheses is Multiple Linear Regression analysis. The data is collected by distributing questionnaires to Commissioners and Directors at 14 (fourteen) Islamic Commercial Banks spread throughout Indonesia. The result of this study shows partially prove the role of Islamic bank commissioners in the amsgiving management only, while the importance of the role of directors in Islamic banks in almsgiving management and the implementation of ISR partially.

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