scholarly journals ANALYSIS OF THE EFFECT OF OPERATIONAL EFFICIENCY, THIRD-PARTY FUNDS AND NON PERFORMING FINANCE ON PROFITABILITY IN SHARIA BANKING IN INDONESIA

2019 ◽  
pp. 181-191
Author(s):  
Putri Renalita Sutra Tanjung
Keyword(s):  
Financial Services ◽  
Operational Efficiency ◽  
Third Party ◽  
Islamic Banks ◽  
Return On Assets ◽  
Independent Variables ◽  
Regression Test ◽  
Descriptive Approach ◽  
Quantitative Descriptive ◽  
Two Independent Variables

This research aims to know the influence of Operational Efficiency, Third-Party Fund, and Non-Performing Finance to Return on Assets (ROA). The Object for this research is Islamic Banks listed in the Financial Services Authority and Bank Indonesia in the period 2012 to 2016. This research was done to 11 Islamic banks by using a quantitative-descriptive approach. Thus, the data analysis which is used is statistical analysis in the form of the double linear regression test The result of this research shows that either simultaneously or partially, the Operational Efficiency variable, Third-Party Fund, and Non-Performing Finance influence to Return On Assets in Islamic Banks. It has been proven from the result of (f) simulant test and the result of (t) partial shows two independent variables did not support the hypothesis. The result of Third-Party Fund, and Non-Performing Finance does not affect Return On Assets (ROA), while Variable Operational Efficiency influences to Return On Assets (ROA) in Islamic Banks. KEYWORDS: Operational Efficiency, Third-Party Fund, Non-Performing Finance, Return On Assets, Sharia

scholarly journals Analisis Profitabilitas Perbankan Syariah di Indonesia sebagai Dampak Dari Efisiensi Operasional

2017 ◽  
Vol 1 (2) ◽  
Author(s):  
Nur Zulfah Hijriyani ◽  
Setiawan Setiawan
Keyword(s):  
Financial Services ◽  
Secondary Data ◽  
Sampling Technique ◽  
Operational Efficiency ◽  
Islamic Banks ◽  
Return On Assets ◽  
Panel Data Regression ◽  
Analysis Technique ◽  
Data Regression ◽  
Negative Effect

AbstractThe purpose of this study are to measure and analyze operational efficiency that showed by bank financial ratios consisting of Operating Expenses to Operating Revenues (BOPO), Allowance for Possible Losses on Earning Assets (PPAP), Non Performing Financing (NPF) and Financing to Deposits Ratio (FDR) to Profitability that measured by Return on Assets (ROA). The population in this research is 11 Islamic Banking (BUS) by using total sampling technique in determine the sample. The data used in this study is secondary data obtained from the annual report of the bank period 2010 to 2016 published by each bank and matched with the data also by the Financial Services Authority (OJK). The analysis technique used is panel data regression analysis. Based on the result of F-test in this research, it can be concluded that the independent variables (operational efficiency) have a significant effect on the dependent variable (profitability). Meanwhile, the t-test shows that BOPO ratio has a significant negative effect on profitability. For the other three ratios, PPAP, NPF and FDR have no significant effect on profitability of Islamic Banks (BUS).Keywords: Islamic banks; Operational efficiency; Profitability. AbstrakPenelitian ini bertujuan untuk mengukur dan menganalisis pengaruh efisiensi operasionalyang diproksikan dengan rasio keuangan bank yang terdiri dari rasio Biaya Operasionalterhadap Pendapatan Operasional (BOPO), Penyisihan Penghapusan Aktiva Produktif(PPAP), Non Performing Financing (NPF) dan Financing Deposit Ratio (FDR) terhadapprofitabilitas yang diukur dengan Return on Asset (ROA). Populasi dalam penelitian ini adalah 11Bank Umum Syariah (BUS) dengan penggunaan teknik total sampling dalam penentuansampelnya. Data yang digunakan dalam penelitian ini adalah data sekunder yang diperolehdari laporan tahunan bank periode 2010 hingga 2016 yang dipublikasikan oleh masing-masing bank dan dicocokkan dengan data yang juga dipublikasikan oleh Otoritas JasaKeuangan (OJK). Teknik analisis yang digunakan adalah analisis regresi data panel. Berdasarkan hasil uji-F pada penelitian ini, dapat disimpulkan bahwa variabel independen (efisiensi operasional) berpengaruh signifikan terhadap variabel dependen (profitabilitas). Sementara itu, hasil uji-t menunjukkan bahwa rasio BOPO berpengaruh negatif signifikanterhadap profitabilitas. Untuk tiga rasio lainnya yaitu PPAP, NPF dan FDR tidak memilikipengaruh signifikan terhadap profitabilitas Bank Umum Syariah (BUS).Kata Kunci: Bank syariah; Efisiensi operasional; Profitabilitas.

scholarly journals Gaya Kepemimpinan dan Motivasiterhadap Kinerja Karyawan pada Bank BJB Cabang Tangerang

2019 ◽  
Vol 10 (1) ◽  
Author(s):  
Ryani Dhyan Parashakti ◽  
Dede Irfan Setiawan
Keyword(s):  
Statistical Analysis ◽  
Leadership Style ◽  
Employee Performance ◽  
T Test ◽  
Test Results ◽  
Bank Branch ◽  
Independent Variables ◽  
Descriptive Approach ◽  
Quantitative Descriptive ◽  
Two Independent Variables

This study aims to determine the effect of leadership style and motivation on employee performance. The object of this study are employees of Bank bjb Branch Tangerang. This study was conducted on 64 respondents using quantitative descriptive approach. Therefore, the analysis of the data used is the statistical analysis in the form of multiple linear regression.The results of this study addressed that in partial leadership style and motivation have a significant effect on employee performance. This is evidenced from the results of the partial test (t test) to address the significance of the two independent variables that support the hypothesis. Therefore, the test results on this study can be accepted by the statement that the influence of leadership style and motivation have a significant effect on employee performance bjb Bank Branch Tangerang.

scholarly journals Kecukupan Modal, Pembiayaan Bermasalah, dan Efisiensi Operasional Sebagai Determinan dari Profitabilitas Bank Muamalat Indonesia Periode 2012-2017

2019 ◽  
Vol 19 (2) ◽  
pp. 131-148
Author(s):  
Yoni Elmadwita ◽  
Novi Mubyarto
Keyword(s):  
Operational Efficiency ◽  
Capital Adequacy ◽  
Research Subjects ◽  
Return On Assets ◽  
Financial Reports ◽  
Operating Income ◽  
Capital Adequacy Ratio ◽  
Financing Risk ◽  
Descriptive Approach ◽  
Quantitative Descriptive

This research aims to analyze the effect of capital adequacy, financing risk, and operational efficiency on the profitability of Bank Muamalat Indonesia. This research uses a quantitative descriptive approach, the object of research is the Capital Adequacy Ratio (CAR / KPMM) as a proxy for capital adequacy, Non-Performing Financing (NPF) as a proxy for financing risk, Operational Costs Operating Income (BOPO / REO) as a proxy for operational efficiency, and Return on Assets (ROA) as a proxy for profitability. The research subjects are the annual and quarterly financial reports of PT. Bank Muamalat Indonesia for the period 2012 - 2017. Methods of data analysis using multiple linear regression. The results showed that CAR had no significant effect on ROA. Meanwhile, NPF and BOPO have a negative and significant effect on ROA. Penelitian ini bertujuan untuk menganalisis pengaruh kecukupan modal, pembiayaan bermasalah, dan efisiensi operasional terhadap profitabilitas Bank Muamalat Indonesia. Penelitian menggunakan pendekatan deskriptif kuantitatif, Objek penelitian adalah Capital Adequacy Ratio (CAR/KPMM) sebagai proksi dari kecukupan modal, Non-Performing Financing (NPF) sebagai proksi dari pembiayaan bermasalah, Biaya Operasional Pendapatan Operasional (BOPO/REO) sebagai proksi dari efisiensi operasional dan Return on Asset (ROA) sebagai proksi dari profitabilitas. Subjek penelitian adalah laporan keuangan tahunan (Annual Report) dan triwulanan PT. Bank Muamalat Indonesia periode 2012 – 2017. Metode analisis data menggunakan regresi linier berganda. Hasil penelitian diketahui bahwa CAR tidak berpengaruh signifikan terhadap ROA. Sementara itu, NPF dan BOPO mempunyai pengaruh negatif dan signifikan terhadap ROA.

scholarly journals Islamic Corporate Governance and Internal Control Influance on Fraud in Sharia Commercial Banks

2020 ◽  
Vol 1 (1) ◽  
pp. 28
Author(s):  
Mariyam Chairunisa
Keyword(s):  
Corporate Governance ◽  
Internal Control ◽  
Financial Services ◽  
Commercial Banks ◽  
Audit Committee ◽  
Supervisory Board ◽  
Negative Effect ◽  
Descriptive Approach ◽  
Quantitative Descriptive ◽  
Positive Effect

This study aims to examine impact of Islamic Corporate Governance and Internal Control on Fraud on sharia Commercial Bank in Indonesia. The unit analysis of this research is Sharia Commercial Banks in Indonesia which have been registered in the Financial Services Authority (OJK) period 2012 to 2017. This research was done to 11 Islamic commercial banks by using quantitative-descriptive approach. The results of this research showed that Sharia Supervisory Board and Internal Control have negative effect and unsignificant  on Fraud. However, Audit Committee has a positive effect and significant on fraud .

scholarly journals PENGARUH KINERJA KEUANGAN TERHADAP PEMBIAYAAN BANK UMUM SYARIAH DI INDONESIA (PERIODE 2009-2013)

2016 ◽  
Vol 5 (2) ◽  
Author(s):  
Irma Safitri ◽  
Nadirsyah Nadirsyah ◽  
Darwanis Darwanis
Keyword(s):  
Commercial Banks ◽  
Research Data ◽  
Capital Adequacy ◽  
Third Party ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Independent Variables ◽  
The Third ◽  
Capital Adequacy Ratio ◽  
Observation Period

The purposes of this research were to determine the effect of the financial performance of Islamic commercial banks in Indonesia on financing, both individually and simultaneously. The performance was measured through Third Party Funds (TPF), Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), and Financing to Deposit Ratio (FDR). These four independent variables to be tested influence on the dependent variable. This research used census method that includes all of the Islamic banks in Indonesia for observational data. Research data observation period from 2009 until 2013 a total of 11 banks. Multiple linear regression was used to analyze the data.The results of this study found that the Third Party Funds (TPF), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), and Financing to Deposit Ratio (FDR) affect the financing, both individually and simultaneously. Fluctuations in either an increase or decrease of financing that occurred in Islamic banking in Indonesia is determined by the four independent variables. That is to say, the four independent variables that have an important role in the financing of Islamic banking in Indonesia. =========================================== Penelitian ini bertujuan untuk menguji pengaruh kinerja keuangan bank umum syariah di Indonesia terhadap pembiayaan, baik secara parsial maupun simultan. Kinerja keuangan diukur melalui Dana Pihak Ketiga (DPK), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), dan Financing to Deposit Ratio (FDR) Keempat variabel bebas tersebut akan diuji pengaruhnya terhadap satu variabel tidak bebas. Penelitian ini adalah penelitian sensus, yakni memasukan semua bank umum syariah yang ada di Indonesia ke dalam data pengamatan. Periode pengamatan data penelitian dari tahun 2009 s.d 2013 yang berjumlah 11 perbankan. Metode analisis yang digunakan adalah regresi linear berganda. Hasil penelitian ini menemukan bahwa Dana Pihak Ketiga (DPK), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), dan Financing to Deposit Ratio (FDR) berpengaruh terhadap pembiayaan pada perbankan syariah di Indonesia, baik secara parsial maupun simultan. Fluktuasi baik itu peningkatan atau penurunan pembiayaan yang terjadi pada perbankan syariah di Indonesia ditentukan oleh keempat variabel bebas tersebut. Sehingga dapat dikatakan bahwa, keempat variabel bebas tersebut mempunyai peranan penting atas pembiayaan pada perbankan syariah di Indonesia.

scholarly journals Peran Biaya Operasional Dan Pendapatan Operasional Dalam Hubungan Pembiayaan Dengan Return On Asset Pada Bank Umum Syariah Di Indonesia

2021 ◽  
Vol 2 (2) ◽  
pp. 165-182
Author(s):  
Linda Devy Ramadhani ◽  
Taufikur Rahman
Keyword(s):  
Financial Services ◽  
Quantitative Research ◽  
Secondary Data ◽  
Sampling Technique ◽  
Operating Costs ◽  
Return On Assets ◽  
Operating Income ◽  
Regression Test ◽  
Stationary Test ◽  
Intervening Variables

This study aims to analyze the effect of mudharabah financing, murabahah financing, and ijarah financing on return on assets (ROA) with operating costs and operating income (BOPO) as intervening variables. This research is quantitative research using secondary data in panel data with a purposive sampling technique. The sample used is three Islamic commercial banks registered with the financial services authority from 2017 to 2020. Data analysis includes descriptive test, stationary test, regression test, classical assumption test, path analysis test, and Sobel test. The results of this study indicate that mudharabah financing and ijarah financing do not affect ROA. Murabahah and BOPO financing has negative and significant effects on ROA. BOPO did not mediate the effect of mudharabah, murabahah, and ijarah financing on ROA.

scholarly journals Determinan of Implementation Profit Sharing Financing in Islamic Banking

2019 ◽  
Vol 4 (1) ◽  
pp. 582 ◽  
Author(s):  
Winarsih Winarsih ◽  
Winda Asokawati
Keyword(s):  
Multiple Regression ◽  
Analytical Method ◽  
Profit Sharing ◽  
Capital Adequacy ◽  
Third Party ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Return On Assets ◽  
Purposive Sampling ◽  
Capital Adequacy Ratio

One of the characteristics of Islamic banking is using the concept of profit� sharing financing. This study aims to determinan of implementation profit sharing financing, consist of Third Party Funds , Non Performing Financing, Return On Assets, Capital Adequacy Ratio� and Financing to Deposit Ratio. The population in this study are all Islamic banking which listed in Bank of Indonesia in the periode �2013 to 2016. The sample was selected using purposive sampling methodTotal samples used in this study were 11 Islamic Banks with 4-year study period, with �get sampleof 44 data.� The analytical method used in this study is multiple regression were processed using SPSS. The results of this study indicate third party funds, financing to deposit ratio� have a positive significant effect to the financing profit sharing. While non performing financing ,return on asset and capital adequacy ratio �no effect on the profit �sharing financing.

scholarly journals PENGARUH STATUS KAMPUNG PARIWISATA TERHADAP PERSEPSI KEBAHAGIAAN MASYARAKAT DI KAMPUNG JODIPAN, BLIMBING, KOTA MALANG

2017 ◽  
Vol 4 (2) ◽  
pp. 49-59
Author(s):  
Khalid Rahman ◽  
◽  
Noveria Anggraeni Fiaji ◽  
Surya D. E. Putra
Keyword(s):  
Basic Assumption ◽  
Physical And Mental Health ◽  
Independent Variables ◽  
The People ◽  
Community Solidarity ◽  
The Status ◽  
Descriptive Approach ◽  
Tourist Village ◽  
Quantitative Descriptive ◽  
The Relationship

The focus of this experiment is the perception of happiness among residents in the Jodipan tourism village. The basic assumption behind this experiment is that changes in the status of slum settlements in the Jodipan village which later turned into a colorful tourist villageof Jodipan are very likely to affect the level of happiness of the people who live there. This study aims to describe (a) the most influential variables in determining the level of happiness in Jodipan Village and (b) whether there is a relationship between the change in status of Kampung Jodipan (from slums to tourism villages) to the perception of happiness of the community. To test these assumptions, this study uses a quantitative-descriptive approach. The data in this study were obtained through questionnaires adjusted for indicators in measuring perceptions of happiness such as: utilization of time and life balance, speech culture and the value of religiosity, physical and mental health, and community solidarity. The data were then validated and analyzed to examine the relationship between independent variables (X), namely the status of tourist village with the dependent variable (Y), which is the perception of happiness. Furthermore, this study also aims to examine the relationship between sub-variable attitudes and sub-variables of perception of happiness as indicators.

scholarly journals The effect of product quality, price and product availability upon the purchasing decision to buy electricity cable of kabel metal brand in the area of DKI Jakarta (Case Study at PT. KMI Wire and Cable Tbk.)

2020 ◽  
Vol 5 (01) ◽  
pp. 45
Author(s):  
Supriyatno . ◽  
S. Hartoyo
Keyword(s):  
Product Quality ◽  
Sampling Technique ◽  
Simple Random Sampling ◽  
Purchasing Decision ◽  
Product Availability ◽  
Regression Test ◽  
Descriptive Approach ◽  
Quantitative Descriptive ◽  
Sampling Probability

This research aims to figure out the effect of Product Quality, Price and Stock Availability upon the Decision to Purchase Cable of Kabelmetal brand in DKI Jakarta. (Case Study at PT KMI Wire and Cable Tbk). Sampling technique of this research is sampling probability using Simple Random Sampling. This research has applied 100 respondents using quantitative descriptive approach and is located in DKI Jakarta. Therefore, data analysis has applied statistical analysis of multiple linear regression test. Data is processed by using SPSS Version 21. Result of analysis using SPSS version 21 indicates that only two of the three hypotheses have affected significantly. Result of the research has identified that Product Quality has affected significantly the Purchasing Decision which is 0.005 < 0.05 and Price has affected the Purchasing Decision which is 0.000 < 0.05. However, the hypothesis that has not affected the Purchasing decision is Product availability which value is 0.529 > 0.05. Keywords: Product Quality, Price, Product Availability, Purchasing Decision.

scholarly journals Analysis of Non Performing Financing (NPF), Financing to Deposit RATIO (FDR), Third Party Funds And Debt to Equity Ratio (DER) Murabahah of Funding in Indonesia

2018 ◽  
Vol 1 (1) ◽  
pp. 119-127
Author(s):  
Iskandar Muda ◽  
Nur Afifah
Keyword(s):  
Sampling Method ◽  
Financial Statements ◽  
Third Party ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Purposive Sampling ◽  
Independent Variables ◽  
Equity Ratio ◽  
Positive Effect

This study was conducted to determine the effect of NPF, FDR, deposits, and DER to Islamic banking financing in Indonesia. This study used the annual financial statements population of the entire Islamic Banks (BUS) in Indonesia in 2010-2014. The samples in this study used purposive sampling, that the sampling method using specific criteria. The amount of data used by 30 the annual financial statements of six Islamic banks which fulfilled the criteria as a sample. The results showed that the NPF, FDR, deposits, and DER simultaneously affected the murabaha financing. The magnitude of the effect of the four independent variables against murabaha financing amounted to 95.9% and the remaining 4.1% was influenced by other variables outside of this study. For partial results, variable DPK and DER positive effect were occurred on murabaha financing. As for the variable FDR and NPF, there was no significant effect on the murabaha financing.

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