Kinerja Pembiayaan UMKM Terhadap Profitabilitas Bank Umum Syariah di Indonesia

This study aims to determine how MSME financing and Capital Adequacy affect the profits of Islamic commercial banks. This study uses a quantitative approach that analyze secondary data from statistic of Islamic Bank in Indonesia period 2016-2019. The analysis used multiple linear regression analysis methods. Data processing uses eviews program. The results of this study indicate that MSME financing has a significant positive effect on Return on Asset. Capital Adequacy Ratio has a significant positive effect on Return on Asset. MSME financing and Capital Adequacy Ratio has a simultant effect to Return on Asset. The results of this study are expected to be a material consideration for Islamic commercial banks in providing MSME financing and maintaining capital adequacy.

Download Full-text

ANALISIS PENGGUNAAN PEMBIAYAAN MUDHARABAH DAN PEMBIAYAAN MUSYARAKAH TERHADAP PROFITABILITAS DI BANK UMUM SYARIAH PERIODE 2015-2018

Eqien: Jurnal Ekonomi dan Bisnis ◽

10.34308/eqien.v7i2.146 ◽

2020 ◽

Vol 7 (2) ◽

pp. 71-76

Author(s):

Heikal Muhammad Zakaria ◽

Gusganda Suria Manda ◽

Arif Rakhman

Keyword(s):

Regression Analysis ◽

Commercial Banks ◽

Linear Regression Analysis ◽

Secondary Data ◽

Financial Statements ◽

Analysis Data ◽

Multiple Linear Regression Analysis ◽

Significant Positive Effect ◽

Negative Effect ◽

Positive Effect

This study is aiming to determine the effect of mudharabah financing on the profitability (ROA) in Sharia Commercial Banks (BUS) for the 2015-2018 period, the effect of musyarakah financing on the profitability (ROA) on Sharia Commercial Banks (BUS) for the 2015-2018 period, and the effect of mudharabah and musyarakah financing on the profitability (ROA) in Sharia Commercial Banks (BUS) for the 2015-2018 period. This research is a type of associative research with a quantitative approach. This study uses secondary data with the period of 2015-2018 observation. The data used is sourced from the Sharia Banking (SPS) and the Sharia Bank's annual financial statements from 2015 to 2018. The analysis used is multiple linear regression analysis. Data is processed using SPSS version 16. The results of the study show that mudharabah financing has a significant positive effect on the profitability (ROA) of Sharia Commercial Banks (BUS) for the 2015-2018 period. Musyarakah financing has a significant negative effect on profitability (ROA) of Sharia Commercial Banks (BUS) for the 2015-2018 period. Mudharabah financing and musyarakah financing have a positive significant effect on the profitability (ROA) of Sharia Commercial Banks (BUS) for the 2015-2018 period.

Download Full-text

Analisis Rasio Keuangan di Bank Perkreditan Rakyat Kabupaten Badung

E-Jurnal Akuntansi ◽

10.24843/eja.2021.v31.i06.p12 ◽

2021 ◽

Vol 31 (6) ◽

pp. 1505

Author(s):

Kadek Virginiawan Permana Putra ◽

I Ketut Sujana

Keyword(s):

Regression Analysis ◽

Linear Regression ◽

Linear Regression Analysis ◽

Multiple Linear Regression Analysis ◽

Capital Adequacy ◽

Analytical Technique ◽

Capital Adequacy Ratio ◽

Negative Effect ◽

Positive Effect ◽

Selection Of

Changes in profit trend decreased in The People's Credit Bank of Badung Regency and the gap in research became the basis for research on the influence of Non Performing Loan, Capital Adequacy Ratio, Loan to Deposit Ratio and Debt to Asset Ratio on changes in profit at The People's Credit Bank in Badung Regency. The population in this study was 52 units of People's Credit Bank located in Badung Regency. The selection of samples using purposive sampling, so that obtained the number of samples of People's Credit Bank in Badung is as many as 44 banks. The analytical technique used is multiple linear regression analysis. The results of the analysis showed that Non Perfoming Loan has a negative effect on the change in profit, Capital Adequacy Ratio and Loan to Deposit Ratio have a positive effect on the change in profit, while the Debt to Asset Ratio has no effect on the change in profit at the People's Credit Bank in Badung Regency for the period 2015-2019. Keywords: Changes in Profit; NPL; CAR; LDR; DAR.

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

The Impacts of Tax Examinations, Tax Sanctions and Tax Hostage (Gijzeling) on Taxpayers’ Formal Compliance

Riset ◽

10.35212/riset.v1i2.25 ◽

2019 ◽

Vol 1 (2) ◽

pp. 143-152

Author(s):

Dewi Puspitasari

Keyword(s):

Regression Analysis ◽

Data Analysis ◽

Linear Regression ◽

Multiple Linear Regression ◽

Sampling Method ◽

Linear Regression Analysis ◽

Multiple Linear Regression Analysis ◽

Significant Positive Effect ◽

Positive Effects ◽

Positive Effect

The purpose of this study is to determine whether there are impacts of tax audits (X1), tax sanctions (X2), and tax holdings (X3), on formal compliance of taxpayers (Y). The population in this study is the taxpayers registered with KPP Cibitung who live in RW 030 Tambun South. The samples consist of 100 taxpayers using an explanatory sampling method. This type of research is quantitative. The data analysis uses multiple linear regression analysis with SPSS version 25.0 program. Based on data analysis, the results of this study indicate that partially tax audits (X1), tax sanctions (X2), and tax hostage (gijzeling) (X3) have a significant positive effect on taxpayers’ formal compliance (Y). Meanwhile simultaneously tax audits (X1), tax sanctions (X2) and tax hostage (gijzeling) (X3) have significant positive effects on taxpayers’ formal compliance of (Y), with an Adjusted R Square value of 0.444 or 44.4%.

Download Full-text

The Effect of Vigor, Dedication and Absorption on the Employee Performance of PT Garuda Indonesia Cargo

European Journal of Business Management and Research ◽

10.24018/ejbmr.2021.6.4.1006 ◽

2021 ◽

Vol 6 (4) ◽

pp. 311-316

Author(s):

Lalu Heri Saputra Jaya ◽

Eny Ariyanto

Keyword(s):

Regression Analysis ◽

Linear Regression ◽

Multiple Linear Regression ◽

Sampling Method ◽

Employee Performance ◽

Linear Regression Analysis ◽

Multiple Linear Regression Analysis ◽

Significant Positive Effect ◽

Head Office ◽

Positive Effect

This study aims to analyze the effect of vigor, dedication and absorption on the employee performance of PT Garuda Indonesia Cargo. The object of this study is the employees of PT Garuda Indonesia at the Head Office Cargo Directorate, which is located in the Cargo Area of Soekarno-Hatta Airport. The population of this study is 93 employees of PT Garuda Indonesia at the Head Office Cargo Directorate. The sampling method used is a census sample. Therefore, the sample of this study is 93 employees. Multiple linear regression analysis is used in this study with the help of the SPSS application version 26. The results of this study indicate that simultaneously, vigor, dedication and absorption have a positive and significant effect on employee performance. Partially, both vigor and dedication have a significant positive effect on employee performance. Meanwhile, absorption has no effect and is not significant. The magnitude of the influence (R Square) of vigor, dedication and absorption on employee performance is 48,1%.

Download Full-text

ANALISIS PENYIMPANGAN DALAM PELAKSANAAN PROSEDUR PEMBERIAN KREDIT DAN PENERAPAN KEBIJAKAN PEMERINTAH TERHADAP PIUTANG TAK TERTAGIH (PADA PT. BPR PRIMA MULIA ANUGRAH CABANG PADANG)

10.31227/osf.io/d93zv ◽

2018 ◽

Author(s):

Tia Yunita Sari ◽

Renil Septiano

Keyword(s):

Regression Analysis ◽

Data Analysis ◽

Linear Regression ◽

Government Policy ◽

Linear Regression Analysis ◽

Multiple Linear Regression Analysis ◽

Government Policies ◽

Significant Positive Effect ◽

Analysis Technique ◽

Positive Effect

The purpose of this study is to empirically test the deviations in the implementation of crediting procedures and the implementation of government policies affect the bad debts. The population in this research is credit customers of PT. BPR Prima Mulia Anugrah Padang Branch with Samples of 63 people using Slovin formula. Required data is obtained through questionnaires. Data analysis technique used is with Multiple Linear Regression Analysis. The result of the research shows that the irregularities in the implementation of crediting procedures has a significant positive effect on bad debts, the implementation of government policy has a significant positive effect on bad debts, the irregularities in the implementation of lending procedures and the implementation of government policies have a significant positive effect simultaneously on bad debts.

Download Full-text

Pengaruh risiko usaha terhadap profitabilitas pada bank umum swasta nasional devisa

Journal of Business and Banking ◽

10.14414/jbb.v9i2.1763 ◽

2020 ◽

Vol 9 (2) ◽

pp. 261

Author(s):

Syania Dita Cahyani ◽

Herizon Herizon

Keyword(s):

Regression Analysis ◽

Linear Regression ◽

Descriptive Analysis ◽

Linear Regression Analysis ◽

Secondary Data ◽

Financial Statements ◽

Significant Positive Effect ◽

Significant Negative Effect ◽

Negative Effect ◽

Positive Effect

The purposes of this study are analyzes the simultaneously and partially effect of LDR, IPR, NPL, APB, IRR, PDN, BOPO, FBIR to ROA in Bank Umum Swasta Nasional Devisa. The sample of this study consisted of four banks: Bank CIMB Niaga, Bank Permata, Bank Pan Indonesia, and Maybank. This study used secondary data taken from the financial statements of Bank Umum Swasta Nasional Devisa. The bank period from the first quarter of 2013 to the second quarter of 2018. The technique of analyzing data is descriptive analysis and used linear regression analysis, F table, t table. The result of this study indicate that analyzing LDR, IPR, NPL, APB, IRR, PDN, BOPO, FBIR simultaneously have a significant effect on ROA in Bank Umum Swasta Nasional Devisa. Partial LDR, IPR and APB have unsignificant negative effect on ROA in Bank Umum Swasta Nasional Devisa. NPL and IRR partially have unsignificant positive effect on ROA in Bank Umum Swasta Nasional Devisa. PDN and BOPO partially have significant negative effect on ROA in Bank Umum Swasta Nasional Devisa. FBIR partially has significant positive effect on ROA in Bank Umum Swasta Nasional Devisa.

Download Full-text

Influence Capital Adequacy Ratio and Loan to Deposit Ratio to The Company's Stock Price Bankings Listed On BEI

Journal Economy and Currency Study (JECS) ◽

10.51178/jecs.v3i2.313 ◽

2021 ◽

Vol 3 (2) ◽

pp. 67-76

Author(s):

Thezar Fiqih Hidayat Hasibuan, Riza Fanny Meutia

Keyword(s):

Regression Analysis ◽

Linear Regression ◽

Analytical Method ◽

Stock Price ◽

Stock Exchange ◽

Linear Regression Analysis ◽

Multiple Linear Regression Analysis ◽

Capital Adequacy ◽

Share Price ◽

Capital Adequacy Ratio

This study aims to examine the effect of Capital Adequacy Ratio (CAR), and Loan to Deposit Ratio (LDR) to the Share Price. The object of this research is 44 banking companies listed on the Indonesia Stock Exchange from 2014-2018. Samples were selected using the methodpurposive sampling namely 25 companies. The analytical method used in this research is multiple linear regression analysis. The results of this study indicate that the variableCapital Adequacy Ratio (CAR) and Loan to Deposit Ratio (LDR) does not have a direct effect on the Stock Price variable

Download Full-text

Pengaruh Harga dan Promosi Terhadap Keputusan Pembelian Helm Merek GM Pada Mahasiswa/i Sekolah Tinggi Ilmu Ekonomi Haji Agus Salim Bukittinggi

Jurnal Bisnis, Manajemen, dan Ekonomi ◽

10.47747/jbme.v1i2.85 ◽

2020 ◽

Vol 1 (2) ◽

pp. 42-52

Author(s):

Hariman Syaleh ◽

Rohimah Nur Nasution

Keyword(s):

Regression Analysis ◽

Linear Regression ◽

Multiple Linear Regression ◽

Linear Regression Analysis ◽

Secondary Data ◽

Multiple Linear Regression Analysis ◽

Purchasing Decisions ◽

Independent Variables ◽

Dependent Variables ◽

Positive Effect

This research is motivated by many types and brands of helmets offered to consumers in the market. So that each helmet company must create a strategy to maintain and achieve a higher market share. The problem in this study is "How is the influence of price, quality and promotion of the decision to purchase GM brand helmets for STIE HAS Bukittinggi students. The data used are primary and secondary data. The research data was obtained through questionnaires to 68 respondents. The variables used were dependent variables, namely purchasing decision (Y) and independent variables namely price (X1), and promotion (X2). The method of analysis used by the writer in this research is multiple linear regression analysis. The results of multiple linear regression analysis obtained the following equation: Y = 15,070 + 0,222 X1 + 0.782 X2 obtained that prices and promotions have a positive effect on purchasing decisions. The results of the t test and f test are partially and simultaneously have a significant effect on purchasing decisions.

Download Full-text

Analisis CAR dan ISR terhadap ROA Perbankan Syariah yang Terdaftar di JII Periode 2015-2019

Mabsya: Jurnal Manajemen Bisnis Syariah ◽

10.24090/mabsya.v3i2.4857 ◽

2021 ◽

Vol 3 (2) ◽

pp. 121-130

Author(s):

Yuli Astuti

Keyword(s):

Regression Analysis ◽

Linear Regression ◽

Linear Regression Analysis ◽

Secondary Data ◽

Multiple Linear Regression Analysis ◽

Capital Adequacy ◽

Service Companies ◽

Islamic Financial Institutions ◽

Simple Regression Analysis ◽

Islamic Companies

The purpose of this research is to find out whether there is an effect of Capital Adequacy Ratio and Islamic Social Responsibility on Return On Assets both in terms of partial and simultaneous testing. Collecting data in this study is to use secondary data from the financial statements of Islamic companies listed on the Jakarta Islamic Index. By using two blades of analysis, namely simple linear regression analysis and multiple linear regression analysis. Based on the results of simple regression analysis, it is known that partially CAR affects ROA and partially ISR affects ROA. Then simultaneously CAR and ISR influence ROA. Therefore, the role of profit in the company has an influential role, because the main objective of the company's operations is to achieve maximum profit. Information on profit achievement is not only useful for external parties such as the public as users of Islamic financial institutions as service companies and internal parties as parties who carry out or run the company in order to determine steps how to run the company to make a profit.

Download Full-text