scholarly journals PENGARUH RASIO KEUANGAN TERHADAP RASIO PROFITABILITAS UNIT USAHA SYARIAH DI INDONESIA

2018 ◽  
Vol 4 (2) ◽  
pp. 113
Author(s):  
Mochamad Indrajit Roy
Keyword(s):  
Multiple Regression ◽  
Commercial Bank ◽  
Significant Influence ◽  
Commercial Banks ◽  
Quantitative Research ◽  
Financial Ratios ◽  
Business Unit ◽  
A Value

Abstract The process of transformation status of Commercial Banks that have a Sharia Business Unit (UUS) into a Sharia Commercial Bank (BUS) potentially be faster when viewed from the value of UUS ROA in the last three semesters which shows a value greater than BUS ROA. This study will analyze the effect of financial ratios to ROA on UUS. This research is quantitative research. The analysis used in this research is Multiple Regression. The analysis results in this study indicate that the variables of the financial ratios of NPF, NOM, and FDR simultaneously have a significant effect on ROA. Whereas if each variable was carried out, only NOM has a significant influence, while the rests do not.

scholarly journals THE EFFECT OF MUDHARABAH, MUSYARAKAH AND MURABAHAH FINANCE ON THE PROFITABILITY OF SHARIA GENERAL BANKS IN INDONESIA IN 2013-2017

2020 ◽  
Vol 1 (1) ◽  
pp. 49-60
Author(s):  
Yogi Bayu Pratama ◽  
Erwin Febriansyah
Keyword(s):  
Commercial Bank ◽  
Significant Influence ◽  
Commercial Banks ◽  
Research Method ◽  
Quantitative Research ◽  
Secondary Data ◽  
Analytical Tool ◽  
Research Approach ◽  
Return On Assets ◽  
Financial Reports

This study aims to analyze the effect of mudharabah, musyarakah and murabahah financing on the level of profitability at Islamic Commercial Banks in Indonesia using the Return on Assets (ROA) ratio. The research method used is descriptive quantitative research approach and case studies at Islamic Commercial Banks in Indonesia. The type of data obtained from this research is secondary data based on the results of Sharia Commercial Bank financial reports which include BCA Syariah, BNI Syariah, BRI Syariah, Mandiri Syariah Bank, Syariah Bukopin and Muamalat Bank during the 2013-2017 period. Sources of data obtained through the results of publications from the relevant Islamic Commercial Bank and through the official website of each bank. The analytical tool used is multiple linear regression analysis.The results showed that Mudharabah and Mutanaqisah financing had a significant influence on ROA levels while financing for Murabahah had an insignificant effect on the partial ROA level. Simultaneously, this Mudharabah, Mutanaqisah and Murabahah financing has a significant influence on the level of ROA

scholarly journals ANALISIS PERBEDAAN RASIO KEUANGAN BANK UMUM KONVESIONAL DAN BANK UMUM SYARIAH SERTA PENGARUHNYA TERHADAP PENYALURAN KREDIT ATAU PEMBIAYAAN (Studi empiris yang tedrdaftar di BEI periode 2013-2016)

2017 ◽  
Vol 5 (1) ◽  
pp. 9-23
Author(s):  
Dika Ismawati ◽  
Edy Supriyono
Keyword(s):  
Commercial Bank ◽  
Commercial Banks ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Financial Ratios ◽  
Operating Efficiency ◽  
Analysis Technique ◽  
Significant Difference ◽  
Negative Effect ◽  
General Data

This study aims to obtain evidence of differences in financial ratios of conventional commercial banks and sharia commercial banks, as well as the influence of financial ratios, liquidity, capital adequacy, problem loans, profitability, operating efficiency of lending. This study uses secondary data. The sample in this research is conventional commercial bank and sharia public bank listed on BEI with 4 year observation period (2013-2016). This sample was chosen by purposive sampling method. Independent sample t-test is used to test whether there is difference of average of two interconnected samples, multiple linear regression is used as data analysis technique as many as 148 general data of banking company, conventional bank and syariah commercial bank as many as 44 company data period 2013-2016 . The results of this study indicate that there are differences in average liquidity, problem loans, profitability, operating efficiency, While the average capital adequacy there is no significant difference between conventional commercial banks and sharia banks. While liquidity and profitability have a positive effect on lending, non performing loans and operating efficiency have a negative effect on lending, and capital adequacy does not affect credit disbursement.  

scholarly journals Analysis of the Relationship between Credit Risk and Bank Performance of Some Commercial Banks in Ghana

2020 ◽  
Vol 8 (2) ◽  
pp. 34-51
Author(s):  
Joseph Acquah ◽  
Yusif Arthur ◽  
Damianus Kofi Owusu
Keyword(s):  
Credit Risk ◽  
Commercial Bank ◽  
Commercial Banks ◽  
Quantitative Research ◽  
Banking Sector ◽  
Sampling Technique ◽  
Capital Adequacy ◽  
Research Approach ◽  
Independent Entity ◽  
The Relationship

This study analysed the relationship between credit risk and bank financial performance of selected commercial banks in Ghana for the period 2010 - 2014, using the banks respective financial statements. The study employed the quantitative research approach. The sample was Ghana Commercial Bank Limited, Zenith Bank Limited, UT Bank and Ecobank Plc. These four banks were selected using stratified random sampling technique. The data were primarily secondary and quantitative in nature. Both descriptive and inferential statistics were used to analyse the data. When the banks were compared, Ghana Commercial Bank Limited was found to be more liquid than Zenith Bank Limited. That of Zenith bank was also higher than UT bank and Ecobank Plc .However, profitability indicators showed that Zenith Bank Limited and Ecobank Plc utilised its assets better than Ghana Commercial Bank Limited and UT bank resulting in the two banks higher scores over the period. The findings show further that Ghana Commercial Bank Limited showed higher ratios for investment in the future while Zenith Bank Limited showed higher ratios of higher dividend immediately. However, Zenith Bank Limited capital adequacy level was far higher than the legal requirement of Banking sector while its counterparts fell slightly below it in terms of average. Based on the main findings and conclusions, it is recommended that Ghana Commercial Bank Limited should find a means of reducing its expenditure, introducing prudent assets management, should be cautious when assisting government in time of economic difficulty, and operate as an independent entity.

scholarly journals ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK SYARIAH DAN BANK KONVENSIONAL

2019 ◽  
Vol 2 (2) ◽  
pp. 136-146
Author(s):  
Khristina Sri Prihatin
Keyword(s):  
Financial Performance ◽  
Commercial Bank ◽  
Commercial Banks ◽  
Quantitative Method ◽  
Financial Statements ◽  
Financial Ratios ◽  
Financial Ratio ◽  
Islamic Bank ◽  
Conventional Banks

The objectives of this research to make compare the finance performance between Islamic Commercial Banks and Conventional Commercial Banks in Indonesia in the period 2012-2016 by using financial ratios. Financial ratios are used consisting of CAR, KAP, NPL,and ROA. The purpose of this research is to find out whether there is a difference between the performance of Islamic bank financial statements when compared to conventional banks as a wholeAnalytical techniques used to see comparison of financial performance of Islamic Commercial Banks with Conventional Commercial Bank is the quantitative method that use spss. The analysis showed that there are significant differences for each financial ratio between Islamic Commercial Banks and Conventional Commercial Banks in Indonesia. Islamic Commercial Banks has better performance in terms of LDR ratios, while the Conventional Commercial Banks better performance in terms of the CAR, KAP, NPL, and ROA.

scholarly journals THE INFLUENCE OF THIRD-PARTY FUNDS, NON-PERFORMING LOANS (NPL) ON CREDIT DISTRIBUTION WITH PROFITABILITY AS INTERVENING VARIABLE IN COMMERCIAL BANKS

2020 ◽  
Vol 4 (02) ◽  
Author(s):  
Sri Hermuningsih ◽  
Pristin Prima Sari ◽  
Anisya Dewi Rahmawati
Keyword(s):  
Commercial Bank ◽  
Commercial Banks ◽  
Quantitative Research ◽  
Sampling Technique ◽  
Bank Lending ◽  
Third Party ◽  
Internal Factors ◽  
Negative Effect ◽  
The Government ◽  
The Relationship

Banks are financial institutions that collect and distribute funds in the forms of deposits such as savings, deposits, current accounts, etc. from and for people who need funds for various needs, such as for consumption, working capital or business capital, housing and investment. In addition, banks must help the community to improve their living standards by distributing funds or giving credit to people who need funds. This is in accordance with the function of the bank itself, namely the bank as the distributor of funds. The purpose of this research is to examine and obtain evidence about factors that influence loan distribution at a bank. Internal factors that influence loan distribution are Third Party Funds, Non-Performing Loans, and Profitability. Efforts to increase credit at banks require optimal efforts to raise third-party funds, good credit management, and capital strengthening. This type of research is quantitative research with purposive sampling technique. The population used in this study is commercial banks from 2013 to 2017. The data come from commercial bank financial statements. As the benefit of this research the government can use it as a mapping material for distributing loan to commercial banks; the bank management can take it into consideration in making commercial bank lending policies. The results of the research show that profitability can mediate the relationship between third party funds and non-performing loans on loan distribution. Third party funds have a significant positive effect on loan distribution. Non-Performing Loans have a significant negative effect on loan distribution. Keywords: LOAN DISTRIBUTION, THIRD PARTY FUNDS, NON-PERFORMING LOANS, AND PROFITABILITY

scholarly journals The Effect of Financing and Operational Income on Profit Sharing Return on Mudharabah Deposits for Islamic Commercial Banks

2021 ◽  
Vol 2 (4) ◽  
pp. 1428-1432
Author(s):  
Faulia Anggeraini ◽  
Inda Arfa Syera
Keyword(s):  
Data Analysis ◽  
Data Collection ◽  
Commercial Bank ◽  
Significant Influence ◽  
Commercial Banks ◽  
Research Method ◽  
Profit Sharing ◽  
Research Approach ◽  
Operating Income

The purpose of this study is to determine the effect of financing and operating income on the return for the results of mudharabah deposits in Islamic commercial banks. The stages of the research method used are the research approach, population and sample, operational definitions, types and sources of data, data collection techniques, data analysis, location and time of research as well as tools and materials. Based on the conclusions found in this study, there is a significant influence of financing variables and operating income variables on the return for the results of Islamic Commercial Bank mudharabah deposits, this is evidenced by the results of research conducted by researchers where the significance value (sig) of 0.001 is smaller than the probability of 0.05 , so it can be concluded that H0 is rejected and Ha is accepted, which means that there is an influence of financing and operating income on the return on profit sharing from mudharabah deposits of Islamic Commercial Banks.

scholarly journals FAITH-BASED MARKETING: ANTECEDENTS OF PURCHASE INTENTION FOR HALAL-CERTIFIED PERSONAL CARE PRODUCTS

2019 ◽  
Vol 3 (2) ◽  
pp. 421
Author(s):  
Hanif Adinugroho Widyanto ◽  
Muhammad Khalil Irfanur
Keyword(s):  
Marketing Strategy ◽  
Multiple Regression ◽  
Significant Influence ◽  
Purchase Intention ◽  
Quantitative Research ◽  
Personal Care Products ◽  
Valuable Insight ◽  
Personal Care ◽  
Faith Based ◽  
Factors Influencing

Tujuan dari penelitian ini adalah untuk menemukan faktor-faktor yang mempengaruhi minat membeli konsumen terhadap produk perawatan pribadi yang tersertifikasi halal. Faktor-faktor yang mempengaruhi niat membeli konsumen adalah religiusitas, kesadaran halal, sertifikasi halal, persepsi pribadi tentang masyarakat, dan pemasaran halal. Penelitian ini menggunakan metode survei dengan kuesioner sebagai instrumen untuk mengumpulkan data dan diberi skor menggunakan Skala Likert dan dianalisa dengan metode regresi berganda pada aplikasi SPSS 24. Penelitian ini dilakukan di wilayah Jabodetabek dengan total 309 responden. Hasil penelitian ini menunjukkan bahwa religiusitas dan kesadaran halal tidak memiliki pengaruh signifikan terhadap niat beli untuk produk perawatan pribadi bersertifikat halal. Selain itu, sertifikasi halal, persepsi pribadi dan masyarakat, dan pemasaran halal ditemukan memiliki pengaruh signifikan terhadap niat pembelian produk perawatan pribadi bersertifikat halal. Semua variabel memiliki pengaruh signifikan secara simultan terhadap niat pembelian produk perawatan pribadi bersertifikat halal. Hasil dari penelitian ini dapat memberikan masukan bagi perusahaan terkait pentingnya melakukan sertifikasi halal bagi produk perawatan pribadi yang mereka produksi agar dapat meningkatkan minat membeli konsumen, dan menentukan secara tepat strategi pemasaran mereka. The purpose of this research was to find out the factors influencing consumer’s purchase intention toward halal-certified personal care products. The factors influencing consumer’s purchase intention investigated in this study were religiosity, halal awareness, halal certification, personal societal perception, and halal marketing. This research is a quantitative research with questionnaire as the instrument to gather the data and was scored using the Likert Scale and analyzed with multiple regression on SPSS 24. This research was conducted in the Greater Jakarta area with a total of 309 respondents. The results of this research showed that religiosity and halal awareness had no significant influence toward purchase intention for halal-certified personal care products. Additionally, personal societal perception, halal certification, and halal marketing were found to have significant influences toward purchase intention of halal-certified personal care products. Finally, all the variables had simultaneously significant influence on purchase intention of halal-certified personal care products. The results of this study could provide companies with a valuable insight regarding the importance of and urgency for halal-certifying their personal care products to improve customer’s purchase intention, and to set their marketing strategy accordingly. 

Pengaruh Variabel Makroekonomi dan Variabel Spesifik Bank Terhadap Non Performing Financing Pada Bank Umum Syariah dan Unit Usaha Syariah di Indonesia Periode 2013-2014

2015 ◽  
Vol 2 (6) ◽  
pp. 512
Author(s):  
Daisy Firmansari ◽  
Noven Suprayogi
Keyword(s):  
Linear Regression ◽  
Gross Domestic Product ◽  
Commercial Bank ◽  
Significant Influence ◽  
Quantitative Methods ◽  
Secondary Data ◽  
Domestic Product ◽  
Business Unit ◽  
Significance Level ◽  
Quarterly Data

This research attempt to analyze the effect of variable gross domestic product (GDP), inflation and financing to deposit ratio (FDR) to non performing financing (NPF) of Islamic Commercial Bank and Islamic Business Unit in Indonesia. This research using quantitative methods. The study is based on quarterly data for the period 2003-2014. Typed of data used are the secondary data from official website Indonesian Bank and Bureau Statistic Center. The analytical methods used in this study is the method of multiple linear regression with a significance level of 0,05.The result of this research indicate that gross domestic product and inflation partially provide a significant influence to non performing financing. Only financing to deposit ratio have an insignificant influence to non performing financing. However, gross domestic product, inflation and financing to deposit ratio simultaneously provide a signification effect to non performing financing.

scholarly journals PERBANDINGAN KINERJA KEUANGAN BANK UMUM SYARIAH DAN BANK UMUM KONVENSIONAL

2019 ◽  
Vol 7 (3) ◽  
Author(s):  
Irma Citarayani ◽  
Deddy Syaputra
Keyword(s):  
Financial Performance ◽  
Commercial Bank ◽  
Commercial Banks ◽  
Analytical Techniques ◽  
Financial Statements ◽  
T Test ◽  
Financial Ratios ◽  
Financial Ratio ◽  
Microsoft Office

<strong><em>The objective of this research is to make a comparison of  the finance performance between Islamic Commercial Banks and Conventional Commercial Banks in Indonesia in the period 2013-2017 by using financial ratios. Financial ratios are used consisting of </em>FDR/ LDR, ROA, CAR, BOPO <em>and </em>NOM/NIM.<em> The data used in this research was obtained from the Financial Statements of Commercial Banks in 2013 to 2017, published by each Bank concerned. The sample in this research are </em>5 (<em>five</em>)<em> Islamic Commercial Banks </em>(Muamalat, Bank Syariah Mandiri, BNI Syariah, BCA Syariah dan BRI Syariah.)<em>, and </em>5 (<em>five</em>) <em>Conventional Commercial Banks </em>(BCA, BRI, BNI, Mandiri, dan Panin)<em>. Analytical techniques is used to see the comparison of financial performance of Islamic Commercial Banks with Conventional Commercial Bank.  The analysis ratio also used by operating  </em>Microsoft Office Excel 2007, <em>The</em> <em>analysis statistic descriptive and analysis of independent sample t-test is used by operating software </em>SPSS 24. <em>The analysis result showed that there are significant differences for each financial ratio between Islamic Commercial Banks and Conventional Commercial Banks in Indonesia. Islamic Commercial Banks has better performance in terms of </em>FDR/ LDR<em> ratio, while the Conventional Commercial Banks better performance in terms of the </em>ROA, CAR<em>, </em>NOM/ NIM<em>, and </em>BOPO <em>ratios.</em></strong>

scholarly journals Analisis Pengaruh NPF, FDR, BOPO, CAR, dan GCG terhadap Kinerja Keuangan Bank Umum Syariah di Indonesia Periode 2013-2017

2018 ◽  
Vol 6 (1) ◽  
pp. 94
Author(s):  
Rima Cahya Suwarno ◽  
Ahmad Mifdlol Muthohar
Keyword(s):  
Financial Performance ◽  
Commercial Bank ◽  
Commercial Banks ◽  
Research Method ◽  
Quantitative Research ◽  
Total Sample ◽  
Content Analysis Method ◽  
Regression Test ◽  
Negative Effect ◽  
Positive Effect

This study aims to determine the Influence of NPF, FDR, BOPO, CAR, and GCG on Financial Performance of Sharia Commercial Banks in Indonesia Period 2013-2017. This research use quantitative research method with population in this research is all sharia commercial bank in Indonesia period 2013-2017. The total sample is eight of sharia commercial banks, based on purposive sampling method. Data collection is done by library method from journals, articles or literatures that related to required data, and documentation method of annual report and GCG implementation report of sharia public bank in question as well as data from OJK website. The research method used is statistical descriptive test, descriptive test by analyzing GCG through GCG implementation report using content analysis method, classical assumption test, multiple regression test. The results showed that simultaneously NPF, FDR, BOPO, CAR, and GCG variables significantly influence the Financial Performance of Sharia Commercial Banks in Indonesia Period 2013-2017. While the partial variable of NPF has positive effect not significant to ROA, FDR variable has positive effect not significant to ROA, BOPO variable has significant negative effect to ROA, CAR variable has positive effect not significant, and GCG variable has positive effect not significant to ROA of Sharia Commercial Bank in Indonesia 2013-2017 period.

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