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

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)

scholarly journals Mengukur Kinerja Pra Merger Tiga Bank Umum Syariah dan Pengaruhnya Terhadap Return on Asset

2021 ◽  
Vol 8 (1) ◽  
pp. 70-78
Author(s):  
Hanif Artafani Biasmara ◽  
Pande Made Rahayu Srijayanti
Keyword(s):  
Financial Performance ◽  
Commercial Banks ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Third Party ◽  
Return On Assets ◽  
Financial Reports ◽  
Operating Income ◽  
Performance Variables ◽  
Capital Adequacy Ratio

Abstrak  - Pada tahun 2020, telah ditetapkan pelaksanaan merger antara tiga Bank Umum Syariah yang merupakan anak perusahaan dari Bank Badan Usaha Milik Negara (BUMN). Dimana ketiga bank tersebut adalah PT Bank Syariah Mandiri, PT Bank BRIsyariah, Tbk, dan PT Bank BNI Syariah. Penelitian ini dilakukan untuk mengukur kinerja keuangan ketiga bank tersebut sebelum dilakukannya merger dan pengaruhnya terhadap Return on Asset (ROA). Dalam penelitian ini, kinerja keuangan akan diukur dengan variabel Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Biaya Operasional dan Pendapatan Operasional (BOPO), dan persentase pertumbuhan Dana Pihak Ketiga (DPK). Data yang digunakan dalam penelitian ini merupakan data sekunder yang diperoleh melalui laporan keuangan tahunan dari masing-masing bank dengan periode tahun 2015-2019. Dimana data diolah dan dianalisis dengan menggunakan Regresi Linear Data Panel melalui perangkat lunak Stata 16. Kinerja ketiga Bank Umum Syariah sebelum dimerger menunjukkan hasil yang baik. Selama lima tahun terakhir CAR dan NPF memiliki kinerja yang memuaskan. FDR dan BOPO berada sedikit melenceng dari batas minimum ataupun maksimum. Berikutnya, pertumbuhan DPK rata-rata sebesar 15, 89333%. Seluruh variabel kinerja bank tersebut setelah dilakukan pengolahan data, menunjukkan bahwa variabel CAR, FDR, NPF, BOPO, dan pertumbuhan DPK bersama-sama memiliki pengaruh signifikan terhadap ROA. Sedangkan secara parsial, CAR, NPF, dan pertumbuhan DPK tidak memiliki pengaruh signifikan terhadap ROA. Tetapi FDR dan BOPO memiliki pengaruh signifikan terhadap ROA. Dimana melalui penelitian ini diharapkan dapat menjadi pertimbangan bagi PT Bank Syariah Indonesia Tbk dalam upaya memperoleh kinerja yang baik dan pertumbuhan profitabilitas yang tinggiKata Kunci: CAR, FDR, NPF, BOPO, Pertumbuhan DPK, ROA, Bank Umum Syariah Abstract - In 2020, the implementation of a merger between three Islamic Commercial Banks which are subsidiaries of the State-Owned Enterprise (BUMN) Bank has been determined. Where the three banks are PT Bank Syariah Mandiri, PT Bank BRIsyariah, Tbk, and PT Bank BNI Syariah. This research was conducted to measure the financial performance of the three banks before the merger, and their effect on Return on Assets (ROA). In this study, financial performance will be measured by the variable Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non-Performing Financing (NPF), Operational Costs and Operating Income (OEOI), and the percentage growth in Third Party Funds (TPF).The data used in this study is secondary data obtained through the annual financial reports of each bank for the period 2015-2019. Where the data is processed and analyzed using Linear Data Panel regression through Stata 16. The performance of the three Islamic Commercial Banks before the merger showed good results. Over the last five years, CAR and NPF have performed satisfactorily. FDR and BOPO have slightly deviated from the minimum or maximum limits. Next, the growth in deposits was an average of 15.89333%. All of these bank performance variables, after data processing, show that the variables CAR, FDR, NPF, OEOI, and TPF growth together have a significant effect on ROA. Meanwhile, partially, CAR, NPF, and TPF growth have not a significant effect on ROA. However, FDR and BOPO have a significant effect on ROA. Where through this research it is hoped that in the future it can be a consideration for PT Bank Syariah Indonesia, Tbk to obtain good performance and high profitability growth.Keywords: CAR, FDR, NPF, OEOI, TPF Growth, ROA, Islamic Commercial Banks

scholarly journals PENGARUH MODEL TIGA FAKTOR FAMA DAN FRENCH TERHADAP EXPECTED RETURN: STUDI PADA TUJUH SAHAM PERBANKAN KONVENSIONAL DI INDONESIA

2020 ◽  
Vol 4 (4) ◽  
Author(s):  
Alfi Muflikhah Lestari
Keyword(s):  
Significant Influence ◽  
Quantitative Research ◽  
Research Result ◽  
Secondary Data ◽  
Market Value ◽  
Positive Influence ◽  
Research Approach ◽  
Expected Return

This research aims to look at the influence of three factors model of Fama and Frencagainst the expected return on a stock of conventional bankaing with seven best performance in Indonesia the period 2010-2014. The data used are secondary data with quantitative research approach by using a classic assumption test. The research result showed that (1) Return the market has a positive influence but not significantly to your expected return, (2) Size SMB has a positive and significant influence against the expected return and (3) Book to market value (HML) has a positive and significant influence against expected return.

scholarly journals Efektivitas dan Kontribusi Pajak Perhotelan terhadap Pendapatan Asli Daerah Kabupaten Indragiri Hulu Tahun 2013-2019

2021 ◽  
Vol 21 (2) ◽  
pp. 669
Author(s):  
Aris Triyono ◽  
Albetris Albetris ◽  
Sumantri Sumantri ◽  
Etty Siswati
Keyword(s):  
Linear Regression ◽  
Data Processing ◽  
Multiple Linear Regression ◽  
Significant Influence ◽  
Research Method ◽  
Quantitative Research ◽  
Quantitative Method ◽  
Secondary Data ◽  
Regression Equations ◽  
Research Period

The research was conducted at the Regional Revenue Agency of Indragiri Hulu Regency. The purpose of this study is to analyze and find out how much effect the Effectiveness and contribution of Hospitality tax to the Original Revenue of Indragiri Hulu Regency both simultaneously and partially with the research period is 5 years from 2013 to 2019. This type of research is quantitative research using secondary data. The Research Method used is quantitative method with multiple linear regression equations, while the Equation is Y = 45712635725,406 - 19524572,193 X1 + 25765555,817 X2. From the results of data processing SPSS is known simultaneously known if the effectiveness and contribution of hospitality tax receipts have a significant effect on the original revenue of the region. From the SPSS results, it is known that there is partially no significant influence between effectiveness to the original revenue of the region and partially there is a significant influence between the contribution of hotel tax receipts partially to the original revenue of the region.

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.

scholarly journals PENGARUH FINANCING TO DEPOSIT RATIO (FDR) TERHADAP RETURN ON ASSET (ROA) PADA BANK SYARIAH ANAK PERUSAHAAN BUMN DI INDONESIA PERIODE 2011-2019

WADIAH ◽  
2021 ◽  
Vol 5 (1) ◽  
Author(s):  
Agustin Tri Lestari
Keyword(s):  
Quantitative Research ◽  
Hypothesis Test ◽  
Secondary Data ◽  
Islamic Banks ◽  
Analysis Method ◽  
Return On Assets ◽  
Financial Reports ◽  
Simple Regression Analysis ◽  
Period Data ◽  
Weak Influence

This study aims to analyze the effect of Financing to Deposit Ratio (FDR) on Return On Asset (ROA) in Islamic banks, a subsidiary of BUMN. This research is classified as a descriptive quantitative research. This research was conducted at the Sharia Bank Subsidiaries of BUMN, namely Bank Syariah Mandiri, Bank BRI Syariah, and Bank BNI Syariah. The data used in this study are secondary data obtained from the quarterly financial reports for the 2011-2019 period. Data collection techniques through literature and documentation. The analysis method used in this research is Simple Regression Analysis, Descriptive Test, and Classical Assumption Test. As for the hypothesis test used is the t test and the test of determination (R2).From the results of the analysis, it shows that the FDR condition is in the quite good category. Then for the ROA condition it is in the quite good category. Based on several tests that have been carried out, it is known that FDR does not have a significant effect on ROA. This is evidenced in the results of the Determination Test which shows that the size of the FDR ratio is only able to affect the ROA ratio by 0.005 or 0.5%. This means that FDR has a very weak influence in increasing the ROA of Sharia Banks in BUMN Subsidiaries. This is due to other factors that more influence ROA, such as CAR, NPF, and BOPO. Keywords: Financing to Deposit Ratio (FDR) and Return on Assets (ROA). Abstrak Penelitian ini bertujuan untuk menganalisa pengaruh Financing to Deposit Ratio (FDR) terhadap Retun On Asset (ROA) pada bank syariah anak perusahaan BUMN. Penelitian ini tergolong penelitian kuantitatif deskriptif. Penelitian ini dilakukan pada Bank Syariah Anak Perusahaan BUMN yaitu Bank Syariah Mandiri, Bank BRI Syariah, dan Bank BNI Syariah. Data yang digunakan dalam penelitian ini adalah data sekunder yang diperoleh dari laporan keuangan triwulan periode 2011-2019. Teknik pengumpulan data melalui studi pustaka dan dokumentasi. Metode analisis yang digunakan dalam penelitian ini adalah Analisis Regresi Sederhana, Uji Deskriptif, Uji Asumsi Klasik. Sementara untuk uji hipotesis yang digunakan adalah Uji T dan Uji Determinasi (R2). Dari hasil analisis, menunjukkan bahwa kondisi FDR termasuk dalam kategori cukup baik. Kemudian untuk kondisi ROA termasuk dalam kategori cukup baik. Berdasarkan beberapa uji yang telah dilakukan diketahui bahwasannya FDR  tidak memiliki pengaruh signifikan terhadap ROA. Hal ini dibuktikan dalam hasil Uji Determinasi yang menunjukkan bahwa ukuran rasio FDR hanya mampu mempengaruhi rasio ROA sebesar 0,005 atau 0,5%. Artinya  FDR memiiki pengaruh sangat lemah dalam meningkatkan ROA Bank Syariah Anak Perusahaan BUMN. Hal ini diakibatkan adanya faktor lain yang lebih mempengaruhi ROA seperti CAR, NPF, dan BOPO. Kata Kunci: Financing to Deposit Ratio (FDR) dan Return on Asset (ROA).

scholarly journals PENGARUH MODAL INTELEKTUAL DAN UKURAN PERUSAHAAN TERHADAP PROFITABILITAS BANK UMUM SYARIAH (STUDI PADA BANK UMUM SYARIAH DI INDONESIA TAHUN 2013-2017)

2019 ◽  
Vol 5 (1) ◽  
pp. 137-148
Author(s):  
Sarah Maqfirah ◽  
Wida Fadhlia
Keyword(s):  
Commercial Bank ◽  
Firm Size ◽  
Intellectual Capital ◽  
Commercial Banks ◽  
Secondary Data ◽  
Sampling Technique ◽  
Annual Reports ◽  
Company Size ◽  
Financial Reports ◽  
Purposive Sampling

This study aims to (1) To determine the effect of intellectual capital on the profitability of Islamic commercial banks, (2) To determine the effect of company size on the profitability of Islamic commercial banks. (3) To determine the effect of intellectual capital and company size together on the profitability of a Sharia Commercial Bank. The population in this study were 14 Islamic commercial banks in Indonesia. The sampling technique in this study used purposive sampling technique. This study is a study that uses secondary data for research. Secondary data in the form of annual reports and financial reports obtained on the website of each Islamic commercial bank. The conclusions resulting from this study are (1) Intellectual capital affects the profitability of Islamic commercial banks, (2) Firm size influences the profitability of Islamic commercial banks, (3) Intellectual capital and company size together influence profitability.

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.

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