Analysis of Some Factors Affecting Interest Rate Deposits And Savings At Umu Bank In East Java

The purpose of this study is to find out how many factors affect the rate of deposits and savings at commercial banks in East Java. This study uses secondary data for 15 years since 2001-2015 by using multiple linear regression analysis to determine the effect simultaneously and partially from Inflation variable, Gross Regional Domestic Product, Total Money Supply, Return On Assets to variable Interest Rate Deposit Rate And Savings as dependent variable. The results showed that simultaneously all the independent variables (X) affect the level of Deposits and savings. Partially variable of GRDP, JUB, ROA have an effect on significantly to deposit and saving interest rate while Inflation variable has no significant effect.

Download Full-text

PENGARUH EFISIENSI OPERASIONAL TERHADAP KINERJA KEUANGAN PADA BANK UMUM SYARIAH DI INDONESIA

Jurnal MAPS (Manajemen dan Perbankan Syariah) ◽

10.32483/maps.v3i1.31 ◽

2019 ◽

Vol 3 (1) ◽

pp. 17-30

Author(s):

Diharpi Herli Setyowati

Keyword(s):

Regression Analysis ◽

Commercial Banks ◽

Linear Regression Analysis ◽

Secondary Data ◽

Sampling Technique ◽

Multiple Linear Regression Analysis ◽

Return On Assets ◽

Operating Income ◽

Operational Costs ◽

Analysis Technique

This study aims to measure and analyze the effect of operational efficiency which is proxied by bank financial ratios consisting of the ratio of Operational Costs to Operating Income (BOPO), Allowance for Earning Asset Losses (PPAP), Non-Performing Finance (NPF), to Return on Assets (ROA). The method used in this research is an explanatory method. The sample of this research is 11 Islamic Commercial Banks (BUS) with the use of purposive sampling technique in determining the sample. The data used in this study are secondary data obtained from annual bank reports from 2010 to 2018. The analysis technique used is multiple linear regression analysis. The results showed that only BOPO had a negative and significant effect on financial performance, which was proxied by ROA.

Download Full-text

The Determinants of Musharaka Financing in Indonesia

Jurnal Ekonomi & Studi Pembangunan ◽

10.18196/jesp.v22i1.10118 ◽

2021 ◽

Vol 22 (1) ◽

pp. 37-47

Author(s):

Ayif Fathurrahman ◽

Abriani Sita Devi

Keyword(s):

Exchange Rate ◽

Exchange Rates ◽

Commercial Banks ◽

Quantitative Data ◽

Linear Regression Analysis ◽

Secondary Data ◽

Multiple Linear Regression Analysis ◽

Third Party ◽

Return On Assets ◽

Independent Variables

The purpose of this study is to determine the determinants of Musharaka Financing in Islamic commercial banks in Indonesia, which was carried out using secondary data or quantitative data from the period of January 2015 to August 2019. The model used to analyze the results of this regression was the Multiple Linear The dependent variable used in the object of this study was musharaka financing, while the independent variables used in this study consisted of inflation, exchange rates (exchange rates), Return on Assets (RoA), and third-party funds. From the results of the multiple linear regression analysis that has been processed, it can be explained that simultaneously the inflation, exchange rates (exchange rates), RoA, and TPF have a significant effect on Musharaka Financing. However, partially the exchange rate (exchange rate), RoA and TPF have a positive and significant effect on Musharaka financing, while inflation has a positive and insignificant effect on musharaka financing at Islamic Commercial Banks in Indonesia

Download Full-text

Pengaruh Suku Bunga, Loan to Deposit Ratio (LDR) dan Pertumbuhan Kredit terhadap Inflasi di Indonesia

Jurnal Ecogen ◽

10.24036/jmpe.v1i3.5026 ◽

2019 ◽

Vol 1 (3) ◽

pp. 557

Author(s):

Putri Yeni ◽

Syamsul Amar ◽

Alpon Satrianto

Keyword(s):

Time Series ◽

Regression Analysis ◽

Interest Rate ◽

Interest Rates ◽

Linear Regression Analysis ◽

Secondary Data ◽

Multiple Linear Regression Analysis ◽

Credit Growth ◽

Descriptive Research ◽

Positive Effect

This study aims to analyze the influence of interest rates, Loan to Deposit Ratio (LDR) and credit growth to inflation in Indonesia. This type of research is descriptive research and uses secondary data in the form of time-series from 2007 to 2016 using the method of multiple linear regression analysis. The results of this study indicate that interest rates have a significant and positive effect on inflation in Indonesia. The Loan to Deposit Ratio (LDR) has a significant and positive effect on inflation in Indonesia. Credit growth has a significant and positive effect on inflation in Indonesia. Based on the results of this study it can be concluded that there is a significant influence between interest rates, Loan to Deposit Ratio (LDR) and credit growth to inflation in Indonesia. Keyword: Inflation, Interest Rate, Loan to Deposit Ratio (LDR), Credit Growth

Download Full-text

PENGARUH PEMBIAYAAN MUDHARABAH, PEMBIAYAAN MURABAHAH DAN TABUNGAN MUDHARABAH TERHADAP RETURN ON ASSETS (ROA) PADA BPR SYARIAH

Jurnal Ekonomi Rabbani ◽

10.53566/jer.v1i2.46 ◽

2021 ◽

Vol 1 (2) ◽

pp. 158-168

Author(s):

Fitri maulidatul Rohmaniah ◽

Eris Munandar

Keyword(s):

Regression Analysis ◽

Research Method ◽

Quantitative Method ◽

Linear Regression Analysis ◽

Secondary Data ◽

Multiple Linear Regression Analysis ◽

Third Party ◽

Coefficient Of Determination ◽

Return On Assets ◽

Financing Risk

The purpose of this study was to determine and analyze the effect of Mudharabah Financing, Murabahah Financing and Mudharabah Savings on Return On Assets (ROA) of Indonesian Sharia People's Financing Banks for the 2015-2020 period. The research method used is descriptive quantitative method. The data used is secondary data. In this study, the analysis used is multiple linear regression analysis, coefficient of determination and hypothesis testing. Based on the results of the analysis of this study, it can be seen that partially Mudharabah Financing has a negative and significant effect on Return On Assets, Murabaha financing has a positive and significant effect on Return On Assets and Mudharabah Savings has a positive and significant effect on Return On Assets at Indonesian Islamic People's Financing Bank for the 2015 period. -2020 and simultaneously Mudharabah Financing, Murabahah Financing and Mudharabah Savings have a significant effect on the Return On Assets (ROA) of Indonesian Sharia Rural Banks for the 2015-2020 period. It is expected that the Indonesian Islamic People's Financing Bank will further improve its performance by minimizing financing risk and increasing the amount of third party funds so that its profitability growth is maximized.

Download Full-text

PENGARUH INFLASI DAN KURS TERHADAP UJRAH DALAM PEMBIAYAAN MUSYARAKAH MUTANAQISAH PADA PT. BANK MUAMALAT INDONESIA, TBK CABANG PEMATANGSIANTAR

Studia Economica : Jurnal Ekonomi Islam ◽

10.30821/se.v1i1.234 ◽

2015 ◽

Vol 1 (1) ◽

pp. 86

Author(s):

Nuri Aslami

Keyword(s):

Regression Analysis ◽

Exchange Rate ◽

Linear Regression Analysis ◽

Field Research ◽

Secondary Data ◽

Financial Statements ◽

Multiple Linear Regression Analysis ◽

Independent Variables ◽

Qualitative Approaches ◽

Independent Variable

This study aims to determine how the effects of inflation and exchange rate against ujrah, musyarakah, mutanaqisah PT Bank Muamalat Indonesia, Tbk Branch Pematang Siantar. This research is a field research using quantitative and qualitative approaches. The data used are secondary data, ie., data obtained from the Central Statistics Agency report, Report of Bank Indonesia, and the financial statements of PT Bank Muamalat Indonesia, Tbk Branch Pematang Siantar. The data were processed using SPSS 16. The analysis used is multiple linear regression analysis. The results showed that the inflation and the exchange rate (the independent variable) affects ujrah in Musharakah financing mutanaqisah (dependent variable). The independent variables in this study could explain the change by 3.4% and the rest (96.6%) is explained by other variables beyond the variables used. Partially, the level of significant 5% and t table of 2034, inflation and exchange rate does not significantly affect the Musharakah financing ujrah mutanaqisah. This is demonstrated by the t value inflation of 0. 489 and texchange rate of 0899.

Download Full-text

What Determines Murabahah Margin Income? Evidence from Islamic Commercial Banks in Indonesia

ADVANCES IN BUSINESS RESEARCH INTERNATIONAL JOURNAL ◽

10.24191/abrij.v7i1.11996 ◽

2021 ◽

Vol 7 (1) ◽

pp. 22

Author(s):

Ananda Puteri Wahyuni ◽

Ratna Mulyany ◽

Zata Hulwani Zuhri

Keyword(s):

Regression Analysis ◽

Linear Regression ◽

Central Bank ◽

Multiple Linear Regression ◽

Commercial Banks ◽

Sampling Method ◽

Linear Regression Analysis ◽

Multiple Linear Regression Analysis ◽

Operating Income ◽

Independent Variables

This study aims to examine factors that influence Murabahah margin income. Spefically it investigates the effect of the Central Bank of Indonesia Rate (BI Rate), Operating Expenses to Operating Income (OEOI), Non-Performing Financing (NPF), and wadiah savings on Murabahah margin income at Islamic Commercial Banks in Indonesia. The method used in this study is quantitative by using the multiple linear regression analysis to test the variables. 12 Islamic Commercial Banks were selected as the sample using a purposive sampling method. With 60 data observations for 5 years, the findings indicate that all the independent variables simultaneously affect the dependent variable. Partially, BI Rate does not affect Murabahah margin income, while in contrast, Operating Expenses to Operating Income (OEOI), Non-Performing Financing (NPF), and wadiah savings affect the Murabahah margin income.

Download Full-text

Pengaruh CAR, FDR, Dan BOPO Terhadap ROA Pada Bank Syariah Di Indonesia

Jurnal Ilmiah Akuntansi Kesatuan ◽

10.37641/jiakes.v9i2.870 ◽

2021 ◽

Vol 9 (2) ◽

Author(s):

Intan Rika Yuliana ◽

Sinta Listari

Keyword(s):

Commercial Banks ◽

Quantitative Research ◽

Linear Regression Analysis ◽

Secondary Data ◽

Predictive Ability ◽

Multiple Linear Regression Analysis ◽

Capital Adequacy ◽

Return On Assets ◽

Operating Income ◽

Capital Adequacy Ratio

Banking companies, including Islamic banking, need to avoid problems that can cause financial failure, which can make the bank unable to carry out its business operations and may end up in bankruptcy, so that the level of soundness of the bank based on risk must always be monitored. Therefore, banks must maintain their financial ratios in accordance with Bank Indonesia decisions and maintain their performance. So analyzing the effect of the Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), and the Ratio of Operating Costs to Operating Income (BOPO) on Return On Assets (ROA) in Islamic Banks is considered very important. This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), and Operational Costs on Operating Income (BOPO) on Return On Assets (ROA) at Islamic Commercial Banks in Indonesia. This research includes quantitative research and the type of data used is secondary data. The data used in this study is the ratio of CAR, FDR, BOPO, and ROA for the period 2014–2019 which was obtained from the annual Financial Statements on the official website of each bank. The population in this study were 14 Islamic Commercial Banks in Indonesia. After passing the purposive sampling stage, there were 6 samples of Sharia Commercial Banks that were suitable for use, namely BCA Syariah, BNI Syariah, Bank Mega Syariah, Bank Muamalat Indonesia, Bank Panin Dubai Syariah and BRI Syariah. The analytical method used in this research is Multiple Linear Regression Analysis. The results of the partial study with the t-test showed that the CAR and FDR variables had a positive and significant effect on the ROA of Islamic commercial banks. While the BOPO variable has a negative and significant effect on the ROA of Islamic commercial banks. And the results of the f test show that the CAR, FDR, and BOPO variables together have a significant influence on the ROA of Islamic commercial banks. The predictive ability of these three variables on ROA is 82.7%, the remaining 17.3% is explained by other variables outside of this research. Keywords: Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Operating Expenses per Operating Income (BOPO), Return On Assets (ROA)

Download Full-text

Analisis Pengaruh Faktor-Faktor Terhadap Underpricing pada Penawaran Umum Saham Perdana Di Bursa Efek Indonesia

Syntax Idea ◽

10.36418/syntax-idea.v3i9.1491 ◽

2021 ◽

Vol 3 (9) ◽

pp. 2127

Author(s):

Moch Irfandi ◽

Sri Muljaningsih ◽

Kiki Asmara

Keyword(s):

Stock Exchange ◽

Linear Regression Analysis ◽

Secondary Data ◽

Multiple Linear Regression Analysis ◽

Test Results ◽

Firm Age ◽

Return On Assets ◽

Independent Variables ◽

Earnings Per Share ◽

Equity Ratio

Underpricing is an IPO phenomenon in the capital markets and have been proven by researchers in many countries. This study aims to determine the effect of debt to equity ratio, earnings per share, company age, return on assets on underpricing listed on the Indonesia Stock Exchange in the 2015-2019 period. This study uses multiple linear regression analysis where debt to equity ratio, earnings per share, company age, return on assets as independent variables, and underpricing as dependent variable. This study uses a quantitative approach and the data used in this study are secondary data taken from periodic underpricing data listed on the Indonesia Stock Exchange from 2015 to 2019. The test results show that the variable debt to equity ratio, earnings per share has a positive and significant effect. on underpricing, the firm age variable has no effect on underpricing and the variable return on assets has a negative and significant effect on underpricing.

Download Full-text

Pengaruh Struktur Modal Terhadap Profitabilitas (Studi Pada Perusahaan Pertambangan Yang Terdaftar di Bursa Efek Indonesia Periode 2011-2015)

Jurnal Riset Bisnis dan Investasi ◽

10.35313/jrbi.v3i3.948 ◽

2018 ◽

Vol 3 (3) ◽

pp. 89-98

Author(s):

Mitha Rahma Fauzan ◽

Mukaram

Keyword(s):

Regression Analysis ◽

Capital Structure ◽

Stock Exchange ◽

Linear Regression Analysis ◽

Secondary Data ◽

Multiple Linear Regression Analysis ◽

Two Dimensions ◽

Return On Assets ◽

Return On Equity ◽

Equity Ratio

Capital structure is one of the issue that attract many researchers in the field of finance and an important issue for any company because of its capability to directly effect on companies’ financial position. This study aims to determine the effect of debt to equity ratio (DER) and debt to assets ratio (DAR) as the dimension of capital structure to return on equity (ROE) and return on assets (ROA) as dimensions of company profitability ratios, either simultaneously or partially on mining companies listed in Indonesia Stock Exchange period 2011-2015. This research was conducted by using multiple linear regression analysis and yielded two equations of regression model. The data obtained are secondary data using documentation method. The result of regression analysis shows that the two dimensions of capital structure have significant effect to both dimensions of profitability simultaneously. While partially, only DAR which have a significant effect on the ROE and ROA.

Download Full-text

Pengaruh Nilai Tukar (Kurs), Inflasi dan Tingkat Suku Bunga Tabungan terhadap Volume Tabungan Masyarakat pada Bank Umum Pemerintah di Indonesia (Periode 2013-2017)

Warmadewa Economic Development Journal (WEDJ) ◽

10.22225/wedj.3.1.1592.29-37 ◽

2020 ◽

Vol 3 (1) ◽

pp. 29-37

Author(s):

Ni Kadek Rita Yanti ◽

A. A. Ketut Jayawarsa ◽

I Gde Agung Wira Pertama

Keyword(s):

Regression Analysis ◽

Exchange Rate ◽

Interest Rate ◽

Linear Regression ◽

Multiple Linear Regression ◽

Commercial Banks ◽

Linear Regression Analysis ◽

Multiple Linear Regression Analysis ◽

T Test ◽

F Test

This study entitled The Effect of Exchange Rate (Exchange), Inflation, and Interest Rates on Savings Against the Volume of Public Savings in Government Commercial Banks in Indonesia for the period 2013-2017. The formulation of the problem: How the Effect of Exchange Rate (Exchange), Inflation, and Interest Rate Savings Against the Volume of Public Savings at Government Commercial Banks in Indonesia Period 2013-2017 simultaneously and partially. The purpose of this study are: To analyze the effect of Exchange Rate (Exchange ), Inflation, and Interest Rate Savings Against the Volume of Public Savings in Government Commercial Banks in Indonesia Period 2013-2017 simultaneously and partially. This research was conducted at the Government Commercial Bank through the website www.bi.go.id and www.ojk.go.id. The analytical tool used is Multiple Linear Regression Analysis, F Test (F-test), and t Test (t-test), before multiple linear regression analysis is carried out descriptive analysis of data and Classical Assumption Test, Results obtained from regression multiple linear is Y = 13,069 + 0,591 X1 + 0,040 X2 + 0,843 X3.

Download Full-text