scholarly journals Analisis Faktor-Faktor yang Memengaruhi Risiko Likuiditas pada Bank Umum Syariah di Indonesia

2020 ◽  
Vol 1 (1) ◽  
pp. 71-84
Author(s):  
Regita Nur Fitriani ◽  
Dimas Sumitra Danisworo
Keyword(s):  
Descriptive Analysis ◽  
Random Effect ◽  
Random Effect Model ◽  
Liquidity Risk ◽  
Capital Adequacy ◽  
Third Party ◽  
Islamic Banks ◽  
Quantitative Descriptive Analysis ◽  
Factors Affecting ◽  
Quantitative Descriptive

This research was conducted to analyze what factors affecting the liquidity risk in Islamic Banks in Indonesia. In this study, the measurement of liquidity risk will be seen from other factors that can affects liquidity risk including Cash Ratio (CsR), Size of Bank (SOB), Third Party Funds (DPK), Capital Adequacy Ratio (CAR), Net Working Capital (NWC), and Investment (INV). The research method used in this research is a quantitative descriptive analysis uses the Eviews 9 program. The object of this analysis is twelve Islamic Banks in Indonesia which have been operating from 2014-2018. The analysis technique used is multiple regression analysis with Random Effect Model (REM) regression model. The results of this study indicate that CsR, SOB, and NWC have a significant effect on liquidity risk. While DPK, CAR, and INV have an insignificant effect on liquidity risk.

Analisis Kepatuhan Syariah pada Bank Syariah: Studi Kasus Bank Pembiayaan Rakyat Syariah

2020 ◽  
Vol 4 (1) ◽  
pp. 27-35
Author(s):  
Aini Maslihatin ◽  
Riduwan Riduwan
Keyword(s):  
Descriptive Analysis ◽  
Supervisory Board ◽  
Fundamental Principle ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Quantitative Descriptive Analysis ◽  
Sample Distribution ◽  
Quantitative Descriptive ◽  
Conventional Banks ◽  
High Degree

Sharia compliance is the adherence of Islamic banks to Islamic rules or laws in muamalah and is one of the factors that differentiate it from conventional banks. Therefore sharia compliance is a fundamental principle in Islamic banking practices. Muamalah law, especially the economy, has a high degree of difference, so the sharia compliance standards in Indonesia refer to the Fatwa of the National Sharia Council-Indonesian Ulama Council (DSN-MUI). This study aims to analyze the practice of sharia compliance in Islamic Rural Banks (BPRS) in Indonesia. The data analyzed is the assessment of the Sharia Supervisory Board (DPS) on the practice of BPRS for five years. The sample distribution covers all regions of Indonesia with 24 units of analysi with 46 respondenss. The data analysis used quantitative descriptive analysis and compared it with the DSN-MUI fatwa. This study's results indicate that the level of compliance with Islamic rural banks in Indonesia is, on average, excellent. Other findings show that, when viewed from the contract's practice, financing with a musyarakah contract has the highest level of sharia compliance compared to separate agreements. Meanwhile, the lowest sharia compliance is in the murabahah contract. This condition is influenced because Islamic banks often use the murabahah bil wakalah contract. The weakness of this contract lies in the procurement of goods by customers, often not accompanied by proof of purchase.

scholarly journals EVALUASI KOMPETENSI PENULISAN TESIS MAHASISWA S2 PROGRAM STUDI PENDIDIKAN TEKNOLOGI DAN KEJURAN

2015 ◽  
Vol 19 (1) ◽  
pp. 58-68
Author(s):  
Putu Sudira ◽  
Soenarto Soenarto ◽  
Pardjono Pardjono
Keyword(s):  
Technology Education ◽  
Formative Evaluation ◽  
Descriptive Analysis ◽  
Quantitative Descriptive Analysis ◽  
Factors Affecting ◽  
Education Study ◽  
Study Programs ◽  
Quantitative Descriptive ◽  
Thesis Writing ◽  
Writing Competence

Penelitian ini bertujuan untuk mengevaluasi: (1) kemajuan penulisan tesis; (2) kompetensi penulisan tesis; (3) faktor-faktor yang mempengaruhi penulisan tesis; (4) faktor-faktor dominan yang mempengaruhi penulisan tesis; (5) tingkat kekreatifan capaian hasil tesis mahasiswa S2 Program Studi Pendidikan Teknologi dan Kejuruan (PTK). Penelitian ini adalah penelitian evaluasi formatif bersifat internal dilaksanakan pada bulan Mei hingga Oktober 2014. Responden penelitian mahasiswa S2 PTK angkatan 2009, 2010, 2011, 2012 sebanyak 59 orang. Pengumpulan data menggunakan angket skala Likert dan wawancara. Teknik analisis data menggunakan teknik analisis deskriptif kuantitatif. Hasil penelitian menunjukkan kemaju-an penulisan tesis termasuk kategori sangat baik. Kompetensi mahasiswa dalam penulisan tesis termasuk kategori sangat baik. Penulisan tesis dipengaruhi oleh faktor dalam dan luar kampus. Faktor-faktor dominan yang mempengaruhi penulisan tesis adalah ketersediaan waktu diskusi dengan dosen pembimbing, kemampuan menerapkan metode penelitian dan analisis data,  beban tugas di tempat kerja, kemampuan memahami literatur asing, dukungan dosen pembim-bing, proses administrasi Pascasarjana, motivasi cepat lulus, dukungan keluarga, dan beasiswa. Tingkat kekreatifan mahasiswa dalam penulisan tesis termasuk kategori sangat baik.Kata kunci: evaluasi, penulisan tesis, kompetensi mahasiswa, Pendidikan Teknologi dan Kejuruan ______________________________________________________________ EVALUATION OF THESIS WRITING COMPETENCE OF MASTER’S DEGREE STUDENTS ON VOCATIONAL TECHNOLOGY EDUCATION STUDY PROGRAMAbstract This study aimed to evaluate: (1) the progress of writing a thesis; (2) the competence of writing a thesis; (3) factors that influence the writing of the thesis; (4) the dominant factors that influence the writing of the thesis; (5) creativity of students in writing a thesis. This study was an internal formative evaluation conducted in May and October 2014. Respondents of this study were master degree students on Vocational and Technology Education Study Programs class of 2009, 2010, 2011, 2012 as many as 59 people. The data were collected using questionnaires and interviews. The data were analyzed using quantitative descriptive analysis techniques. The results showed that the progress of the thesis was classified in the excellent category. The competence of students in writing thesis was classified in very well category. Thesis writing is influenced by internal and exsternal campus factors. The dominant factors affecting the thesis were the availability of a discussion with the supervisor, the ability to apply research methods and data analysis, workload in the workplace, the ability to understand foreign literatur, supervisor support, administrative processes, motivation to pass quickly, family support, and scholarship. The level of creativity of students was clasified in the excellent category.Keywords: evaluation, thesis, student competence, Vocational and Technology Education

scholarly journals An Analyzing Of Factors Affecting on Profitability In BRI Syariah

2021 ◽  
Vol 1 ◽  
pp. 439-449
Author(s):  
Kiki Sagita ◽  
Rendra Erdkhadifa
Keyword(s):  
Secondary Data ◽  
Capital Adequacy ◽  
Third Party ◽  
Islamic Banks ◽  
Factors Affecting ◽  
Operating Income ◽  
Simultaneous Test ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Operating Margin

The research is motivated by the level of profitability which is a benchmark for Islamic banks in generating profits which is still not stable and tends to decrease every year. The factors that can affect the level of profitability of Islamic banks are Third Party Funds (DPK), Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), Financing to Deposit Ratio (FDR), Net Operating Margin (NOM), and Operating Expenses for Operating Income ( BOPO). The purpose of this study was to determine the effect of the variables TPF, CAR, NPF, FDR, NOM, and BOPO on the profitability of BRI Syariah Bank and to find out which variables had the most significant effect on the profitability of BRI Syariah Bank. The data used in this study is secondary data obtained from the quarterly financial statements of BRI Syariah Bank for the period 2012 to 2020. The data analysis technique used multiple linear regression consisting of multicollinearity test, multiple regression analysis, simultaneous test, partial test, and classical assumption test of residuals. The test results show that NPF, CAR, NPF, FDR, and NOM have a significant effect on the profitability of BRI Syariah Bank

scholarly journals PENGARUH RISIKO LIKUIDITAS DAN LEVERAGE TERHADAP KINERJA BANK YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2010--2015

2018 ◽  
Vol 15 (2) ◽  
pp. 189-209
Author(s):  
Novia Utami
Keyword(s):  
Significant Influence ◽  
Stock Exchange ◽  
Random Effect ◽  
Random Effect Model ◽  
Liquidity Risk ◽  
Third Party ◽  
Tobin’S Q ◽  
Tobin's Q ◽  
Effect Model ◽  
Liquidity Gap

This empirical study aims for examining the influence of liquidity risk on bank performance from the period 2010 to 2015 listed on Indonesia Stock Exchange. The measurement of liquidity risk will involve deposits or third-party fund, cash, and liquidity gap whereas the leverage will involve total debts to total assets as the independent variables. Meanwhile, the dependent variables of this study involve ROA and Tobin’s Q. This study was conducted under the purposive sampling method which involved 22 banks as samples. This study also used a panel data regression method and three testing models, including Common Effect Model, Fixed Effect Model, and Random Effect Model. The findings suggest a positive and significant influence of the third-party fund on ROA and Tobin’s Q. In contrast, the liquidity gap has a negative and significant influence on ROA and Tobin’s Q. Besides, the findings also suggest a positive and significant influence of cash on ROA and negatively significant on Tobin’s Q. The leverage has negative and significant influence on ROA and positively significant on Tobin’s Q.

scholarly journals Factors Affecting Profit Distribution Management in Sharia Banks in Indonesia

2019 ◽  
Author(s):  
Rimi Gusliana Mais ◽  
Hendrawati . ◽  
Herry Eka Putra
Keyword(s):  
Financial Services ◽  
Hypothesis Test ◽  
Capital Adequacy ◽  
Third Party ◽  
Islamic Banks ◽  
Distribution Management ◽  
Factors Affecting ◽  
Profit Distribution ◽  
Capital Adequacy Ratio ◽  
Data Collection Technique

This study aims to determine the effect of Capital Adequacy Ratio, Effectiveness of Third Party Funds and Risk of Financing on Distribution Management Profit in Islamic Banks in Indonesia in 2013-2017. The strategy used is associative causal. This type of research is quantitative. The data of this study are secondary. The population of this study is Islamic banks in Indonesia that have been officially registered in the Financial Services Authority (OJK) from 2013 to 2017. The research sample is determined by purposive sampling method, so that the number of samples, there are 10 Islamic banks. The data collection technique used is the documentation obtained through the from each bank sample. The research method used is multiple regression analysis, descriptive statistical analysis, classic assumption test and hypothesis test. The data processing tool used is Eviews 9.0 software with panel data regression method. The results of this study are (1) Capital Adequacy Ratio has an effect on Profit Distribution Management, (2) Effectiveness of Third Party Funds does not affect the Distribution ManagementProfit,(3)FinancingRiskhasaneffectonProfitDistributionManagement.

scholarly journals Credit & Liquidity Risk of Asia Pacific Islamic Bank: Evidence from Indonesia & Malaysia

2021 ◽  
Vol 4 (1) ◽  
pp. 68
Author(s):  
Resi Asrianti ◽  
Yaser Taufik Syamlan
Keyword(s):  
Credit Risk ◽  
Risk Taking ◽  
Time Series Data ◽  
Liquidity Risk ◽  
Capital Adequacy ◽  
Third Party ◽  
Asia Pacific ◽  
Series Data ◽  
Islamic Banks ◽  
Islamic Bank

This study aims to analyze the effect of Third Party Funds (TPF), Capital Adequacy Ratio (CAR), Bank Age, Non Performing Financing (NPF), and Return On Assets (ROA) on the level of risk taking of Islamic banks in Indonesia and Malaysia. Risk taking in this study is proxied by Financing Asset Ratio (FAR) and Financing to Deposit Ratio (FDR). The data used in this study are the cross section data of Islamic banks in Indonesia and time series data of 2010 to 2017 from each of the financial statements of Islamic banks in Indonesia and Malaysia which act as the object of this research. This research uses panel data regression method.  Based on the analysis, The TPF and the CAR has big impact on the Credit and Liquidity Risk in both observed country. CAR significantly influenced the credit risk, when the CAR goes up, it is resulted from the addition of equity due to the rise of NPF. Moreover, in the liquidity risk in Indonesia is caused by the mismatch nature of Indonesian funding side. On the other hand, the credit risk in Malaysia rises whenever the TPF increase and the liquidity is caused by the deposit taking and risk taking activity. The introduction of investment account by the Bank Negara is among the factors of significant as well as negative result of it.   This paper urges the OJK to speed up the implementation of Investment Account product in Indonesian Islamic bank since it will reduce the liquidity risk and at the end will decrease the credit risk.

scholarly journals OVERVIEW OF BSI DIGITALIZATION IN CREATING A HEALTHY COMPETITIVE MARKET BY OPTIMIZING EXISTING STATE-OWNED BANK CUSTOMERS

2021 ◽  
Vol 4 (2) ◽  
pp. 110
Author(s):  
Alivia Fitriani Hilmi
Keyword(s):  
Banking Sector ◽  
Swot Analysis ◽  
Descriptive Analysis ◽  
T Test ◽  
Competitive Market ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Quantitative Descriptive Analysis ◽  
The Government ◽  
Quantitative Descriptive

Indonesia has great potential for the development of the Islamic banking industry. However, the reality shows that this potential increase runs contrary to the development of Islamic banking. The concept of policies that have been set by the government has not been able to persuade the public to use Islamic banking. Therefore, the government implemented the latest policy, namely the merger of Islamic banks by providing one mobile banking. Where there is a merger of Islamic banks accompanied by digitalization, it automatically makes Indonesian Islamic banks a holding bank with larger capital, practical, efficient and easily recognizable. The merger of Islamic banks will strengthen the Islamic banking sector which is predicted to be able to move the real sector and have the highest assets. with the existing potential, the authors conducted research on the development of sharia bank customers by optimizing the digitalization of BSI with the potential for existing BUMN bank customers who have not used sharia services with a healthy competitive market. The research method used is SWOT analysis, as well as quantitative descriptive and simple linear regression T test withobservation data random sample. SWOT matrix analyzed the results also indicate one or mergers quadrant Islamic banks must maintain an aggressive strategy by leveraging the dominance of one bank BUMN.Selain existing customers, the result of quantitative descriptive analysis based on the calculation likert and intervalscale,72% of 60 respondents agreed to the item – a questionnaire item that refers to the creation of a healthy competitive market with the existence of BSI digital banking. From the results of the T test, it shows that there is an influence between the digitalization of banking mergers of Islamic banks on the optimization of existing customers of state-owned banks.

scholarly journals Analisis Laporan Keuangan Dalam Menilai Kesehatan Kinerja Keuangan Perusahaan Pada Pt. Bank Perkreditan Rakyat (BPR) Jateng Tahun 2013-2017

2018 ◽  
Vol 13 (1) ◽  
Author(s):  
Haninditya Nurullasari ◽  
Nanang Yusroni ◽  
Ernawati Budi Astuti
Keyword(s):  
Data Analysis ◽  
Descriptive Analysis ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Quantitative Descriptive Analysis ◽  
Operating Income ◽  
Central Java ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Quantitative Descriptive

Abstract This study aims to determine the level of soundness of the company's financial performance from PT. BPR in 2013-2017 using ratio analysis of capital, profitability and liquidity factors. The data analysis technique used is a quantitative descriptive analysis technique. Based on the results of data analysis and discussion shows that the financial health performance of PT. Central Java Rural Banks (BPR) in 2013-2017 viewed from the capital factor if calculated using the CAR ratio can be categorized as HEALTHY. When viewed from the profitability factor and calculated using the ROA ratio it is also categorized HEALTHY, but when seen the BOPO ratio of PT. Central Java Rural Bank in 2015-2017 is categorized as NOT HEALTHY because the resulting ratio is too high so it is inefficient. While the health level is seen from the liquidity factor of PT. Central Java Rural Bank is categorized as HEALTHY. Keywords: Soundness, Capital Adequacy Ratio (CAR), Return On Assets (ROA), Operating Expenses Against Operating Income (BOPO), Cash Ratio, Loan to Deposit Ratio (LDR) Abstrak Penelitian ini bertujuan untuk mengetahui tingkat kesehatan kinerja keuangan perusahaan dari PT. BPR Jateng Tahun 2013-2017 dengan menggunakan analisis rasio dari faktor permodalan, rentabilitas dan likuiditas. Teknik analisis data yang digunakan adalah teknik analisis deskriptif kuantitatif. Berdasarkan hasil analisis data dan pembahasan menunjukkan bahwa kesehatan kinerja keuangan PT. Bank Perkreditan Rakyat (BPR) Jateng pada tahun 2013-2017 dilihat dari faktor permodalan apabila dihitung dengan menggunakan rasio CAR dapat dikategorikan SEHAT. Jika dilihat dari faktor rentabilitas dan dihitung dengan menggunakan rasio ROA juga dikategorikan SEHAT, namun apabila dilihat rasio BOPO PT. Bank Perkreditan Rakyat Jateng tahun 2015-2017 dikategorikan TIDAK SEHAT karena rasio yang dihasilkan terlalu tinggi sehingga tidak efisien. Sedangkan tingkat kesehatan dilihat dari faktor likuiditas PT. Bank Perkreditan Rakyat Jateng dikategorikan SEHAT. Kata Kunci : Tingkat Kesehatan, Capital Adequacy Ratio (CAR), Return On Assets (ROA), Beban Operasional Terhadap Pendapatan Operasional (BOPO), Cash Ratio, Loan to Deposit Ratio (LDR)

scholarly journals MODEL PENGAWASAN PRESTASI KERJA PEGAWAI DI RUMAH SAKIT ARIFIN NU’MANG RAPPANG

2021 ◽  
Vol 9 (1) ◽  
pp. 1-8
Author(s):  
Hendrika Utami ◽  
Erfina Erfina ◽  
Andi Astinah Adnan
Keyword(s):  
Work Performance ◽  
Descriptive Analysis ◽  
Quantitative Descriptive Analysis ◽  
Factors Affecting ◽  
Sample Technique ◽  
Supervision Model ◽  
Descriptive Approach ◽  
Quantitative Descriptive ◽  
Rare Category ◽  
Method Approach

This study aims to determine the supervision model at Arifin Nu’mang Rappang Hospital, to determine the effect of the supervision model on employee work performance at Arifin Nu’mang Rappang Hospital, and to determine the factors that influence supervision at Arifin Nu’mang Rappang Hospital.The research method approach that will be used in this research is a quantitative descriptive approach. The population in this study were medical employees at Arifin Nu’mang Rappang Hospital wich consisted of 176 employees. The sample technique used is Purposive Sampling using the Slovin formula to produce 64 samples. Data collection techniques performed in this study were observation, interviews, questionnaires, and literature studies. The collected data is then processed and analyzed using quantitative descriptive analysis techniques with the help of descriptive statistics using SPSS 21.0 and Likert Scale. The results showed that the supervision model at Arifin Nu’mang Rappang Hospital was in the rare category with a percentage of 53.95%, the influence of the supervisory model on the work performance of employees at Arifin Nu’mang Rappang Hospital with a percentage of 55% influence, the factors affecting influencing supervision in Arifin Nu’mang Rappang Hospital is in the rare category with a percentage of 51,36%.  

scholarly journals What Determines the Financial Performance of Islamic Banks in Indonesia?

2021 ◽  
Vol 10 (2) ◽  
pp. 195
Author(s):  
Early Ridho Kismawadi ◽  
Abdul Hamid ◽  
Rasydah Rasydah ◽  
Aigatama Rafida
Keyword(s):  
Financial Performance ◽  
Random Effect ◽  
Random Effect Model ◽  
T Test ◽  
Capital Adequacy ◽  
Islamic Banks ◽  
F Test ◽  
Effect Model ◽  
Panel Data Regression ◽  
Capital Adequacy Ratio

This study aims to determine the effect of the Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), and Operational Efficiency Ratio (OER) at Islamic Commercial Banks in Indonesia for the 2010-2019 period. The test was carried out using panel data regression with the Random Effect Model (REM) model, tested using the t-test and f test with a significance of 5%. Based on the results of the t-test, partially, OER has a negative and significant effect on Return on Assets (ROA), whilst NPF and CAR do not significantly affect ROA. Moreover, the results of the F-test show that CAR, NPF, and OER simultaneously affect ROA. The results of this study indicate that to maximize the financial performance of Islamic banking in Indonesia, the Islamic banks must pay attention to the OER variable.==========================================================================================================ABSTRACT - Determinan Apa yang Mempengaruhi Kinerja Keuangan Bank Syariah di Indonesia? Penelitian ini bertujuan untuk menganalisis pengaruh Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), dan Beban Operasional terhadap Pendapatan Operasional (BOPO) pada Bank Umum Syariah di Indonesia periode 2010-2019. Pengujian dilakukan menggunakan regresi data panel dengan model Random Effect Model (REM) yang pengujiannya menggunakan uji t dan uji f dengan signifikansi yaitu 5%. Berdasarkan hasil uji t, secara parsial BOPO berpengaruh negatif dan signifikan terhadap Return on Asset (ROA), sedangkan variabel NPF dan CAR tidak memiliki pengaruh yang signifikan terhadap ROA. Selanjutnya, hasil uji F menunjukkan bahwa CAR, NPF, dan BOPO secara simultan berpengaruh terhadap ROA. Hasil penelitian ini memberikan rekomendasi kepada Bank Syariah di Indonesia agar memberikan perhatian yang lebih serius terhadap variabel BOPO jika ingin memaksimalkan kinerja keuangannya..

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