scholarly journals DETERMINING THE PERFORMANCE OF SHARIA COMMERCIAL BANKS WITH MODERATION OF NON PERFORMING FINANCING RATIO IN INDONESIA

Riset ◽  
2021 ◽  
Vol 3 (2) ◽  
pp. 563-580
Author(s):  
Novan Wahyu Hidayat ◽  
Amalia Kusuma Wardini ◽  
Lela Nurlela Wati
Keyword(s):  
Financial Services ◽  
Commercial Banks ◽  
Quantitative Research ◽  
Secondary Data ◽  
Sampling Technique ◽  
Capital Adequacy ◽  
Previous Period ◽  
Capital Adequacy Ratio ◽  
Operating Margin ◽  
Positive Effect

The research objectives to be achieved are: (1) To analyze and reveal empirically whether the Capital Adequacy Ratio (CAR), OE, Financing to Deposit Ratio (FDR), Net Operating Margin (NOM) affects the performance of Islamic Commercial Banks as measured by the ratio ROA). (2) To determine and analyze whether the non-performing loan ratio (NPF) moderates the effect of Capital Adequacy Ratio (CAR), OE, Financing to Deposit Ratio (FDR), and Net Operating Margin (NOM) on the performance of Islamic Commercial Banks (Return On Assets). This type of research is a quantitative research. The population used in this study is a Islamic commercial banks registered with the Financial Services Authority consisting of 14 BUS from 2015-2019. The data used is secondary data and uses saturated sampling method. Researchers used this sampling technique because the total population of 14 Islamic commercial banks companies in Indonesia are registered with the Financial Services Authority (OJK). Analysis of research data using Moderating Regression Analysis. Simultaneously CAR, OE, FDR and NOM have a positive effect on BUS performance for the 2015-2019 period as measured by ROA, but the partial results are only CAR that has a positive effect on ROA while OE, FDR and NOM have a negative effect on ROA, this happens because The capital adequacy held in the current period in lending is currently decreasing when compared to the previous period so that it has an impact on decreasing income and profit for the next period. Simultaneously, NPF moderates CAR, OE, FDR and NOM have a positive effect on BUS performance for the 2015-2019 period as measured by ROA, while the partial results are only NPF which has an impact on reducing the effect of CAR on ROA, while other variables when NPF moderate the relationship with ROA moves towards improvement. This is because the capital adequacy ratio is currently used in handling the current bad credit ratio as a result of loans extended in the previous period so that the current capital that should be used to generate profits in the next period through an increase in the volume of credit at this time from the previous period is reduced so that an impact on the decline in Islamic commercial banks profitability in the next period. As for what makes the difference in this study is the moderation of NPF on the effect of CAR, BOPO, FDR and NOM on ROA.

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 Analysis of the Bank's Health Level and Its Effects on the Profitability of Sharia General Banks Listed in Indonesia's Financial Services Authority Period 2015-2018

2020 ◽  
pp. 38-53
Author(s):  
Wieta Chairunesia
Keyword(s):  
Statistical Analysis ◽  
Financial Services ◽  
Commercial Banks ◽  
Sampling Technique ◽  
Good Health ◽  
Capital Adequacy ◽  
Operating Efficiency ◽  
Significant Positive Effect ◽  
Negative Effect ◽  
Positive Effect

Aims: To analyze the level of health of sharia general banks in Indonesia and their effects on profitability. Study Design: The research method used is quantitative descriptive research. Place and Duration of Study: The sampling technique used was purposive sampling. The study was conducted a Sharia General Bank registered in the Indonesian Financial Services Authority with a research period of 2015-2018. Methodology: The analytical method used is the inferential statistical analysis test using SmartPLS Professional 3.0 analysis tools, namely with a descriptive test, and inferential statistical analysis. Results: Sharia Commercial Banks in the 2015-2018 period based on Non-Performing Finance (NPF) have a healthy predicate and have a negative significant effect on profitability. Based on the Fair to Healthy Ratio (FDR) predicate as Healthy, and no significant positive effect on profitability. Based on Good Corporate Governance (GCG) with a healthy predicate, and no significant positive effect on profitability. Based on Operating Efficiency Ratio (OER) with a healthy predicate, and a significant negative effect on profitability. Based on the Capital Adequacy Ratio (CAR) which is categorized as Very Healthy, and no significant positive effect on profitability. Conclusion: Generally, Islamic commercial banks are in good health. However, the achievement of this soundness level is carried out by always striving to comply with the provisions given by Bank Indonesia, not optimizing the available resources so that the bank remains in a healthy condition while meeting the criteria of Bank Indonesia.

scholarly journals Effect of Profitability and Leverage on Disclosure of Corporate Social Responsibility in Islamic Commercial Banks

2019 ◽  
Vol 1 (2) ◽  
pp. 133
Author(s):  
Siti Nur Alfiyah
Keyword(s):  
Corporate Social Responsibility ◽  
Social Responsibility ◽  
Financial Services ◽  
Commercial Banks ◽  
Quantitative Research ◽  
Secondary Data ◽  
Sampling Technique ◽  
Data Source ◽  
Using Data ◽  
Corporate Social

The purpose of this study is to determine the effect of profitability and leverage on Corporate Social Responsibility. The population in this study are all Sharia Commercial Banks registered in the Financial Services Authority from 2014-2016. The sampling technique used purposive sampling method and obtained 10 research samples. For the dependent variable (y) of this research is Corporate Social Responsibility. For independent variable (x) that is profitability and leverage. The method used is quantitative research method. For data source is secondary data by using data analysis with statistic used SPSS software program assistance Smart SPSS 20. The results of this study indicate that profitability has no significant effect on Corporate Social Responsibility. The study also concluded that Leverage significantly influence Corporate Social Responsibility.

scholarly journals Pengaruh Struktur Kepemilikan dan Dewan Komisaris Terhadap Kinerja Bank Umum Konvensional Yang Menyalurkan Kredit Pada UMKM: Dengan Pengungkapan Corporate Social Responsibility Sebagai Mediasi

2021 ◽  
Vol 1 (1) ◽  
pp. 64-75
Author(s):  
Ribka Gwijangge ◽  
Sri Ayem ◽  
Anita Prismatiwi
Keyword(s):  
Commercial Banks ◽  
Quantitative Research ◽  
Stock Exchange ◽  
Secondary Data ◽  
Sampling Technique ◽  
Institutional Ownership ◽  
Linear Regression Method ◽  
Public Ownership ◽  
Conventional Banks ◽  
Positive Effect

This research aims to examine the effect of institutional ownership, public ownership, board of commissioners, CSR on the performance of Conventional Commercial Banks that disburse loans to MSMEs and examine the effect of institutional ownership, public ownership, board of commissioners on CSR disclosure of Conventional Commercial Banks that disburse loans to MSMEs. This research used is associative quantitative research, the sample used is conventional banks that distribute MSME loans listed on the Indonesia Stock Exchange (IDX), using purposive sampling technique. The data used is secondary data, the data source comes from the documentation of the financial statements of conventional banks that channel MSME loans and are listed on the Indonesia Stock Exchange in 2017-2019. The data analysis technique used multiple linear regression method. The results of this research indicate that institutional ownership has no effect on bank performance. Public ownership, board of commissioners, CSR, have a positive effect on the performance of the Bank. Institutional ownership, public ownership, the board of commissioners have a positive effect on the Bank's CSR. Keywords: Institutional And Public Ownership, Board Of Commissioners, CSR, Performance Of Conventional Commercial Banks

scholarly journals PERBANDINGAN CAPITAL ADEQUACY RATIO PADA PT BNI TBK DENGAN PT BRI TBK

2020 ◽  
Vol 16 (1) ◽  
pp. 30-39
Author(s):  
Defita Rahayu ◽  
Alwi Alwi
Keyword(s):  
Quantitative Research ◽  
Stock Exchange ◽  
Secondary Data ◽  
Sampling Technique ◽  
Capital Adequacy ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Significant Difference ◽  
Secondary Data Sources ◽  
Better Than

The purpose of this study was to find out how much a significant difference between CAR BNI and BRI. The sampling technique in this study used purposive sampling. This research sample for 5 years from 2014-2018 was listed on the Indonesia Stock Exchange. Types of quantitative research data with secondary data sources. The data analysis technique used independent sample t-test. The analysis shows that the CAR variable on BNI and BRI based on the Sig (2-tailed) value of 0.010 so that a significant value of 0.010 0, 05, then Ho is rejected and Ha is accepted stating that there is a significant difference between the average CAR on BNI and BRI . Of the two banks, BNI's average is 17.760% smaller than the BRI's average of 21.332%. This shows that during 2014-2018 BRI's CAR was better than BNI, due to the increase in the amount of capital received by BRI. When referring to the minimum Bank Indonesia regulation is 8%, both banks have good financial performance in terms of (CAR).

scholarly journals DETERMINAN EFISIENSI PERBANKAN DI INDONESIA (STUDI EMPIRIS PADA BANK UMUM SYARIAH DI INDONESIA PERIODE 2012-2018)

2020 ◽  
Vol 7 (12) ◽  
pp. 2436
Author(s):  
Sri Farhatin Wulandari ◽  
Muh. Nafik Hadi Ryandono
Keyword(s):  
Commercial Banks ◽  
Secondary Data ◽  
Sampling Technique ◽  
Capital Adequacy ◽  
Important Indicator ◽  
Purposive Sampling ◽  
Net Interest Margin ◽  
Panel Data Regression ◽  
Capital Adequacy Ratio ◽  
Interest Margin

ABSTRAKEfisiensi merupakan salah satu indikator penting dalam mengukur kinerja keseluruhan dari aktivitas perbankan. Penelitian ini bertujuan untuk mengetahui pengaruh variabel Capital Adequacy Ratio (CAR), Financing to Deposito Ratio (FDR), Net Interest Margin (NIM), dan Bank Size terhadap Efisiensi Bank Umum Syariah di Indonesia periode 2012-2018 yang diproksikan melalui Beban Operasional Pendapatan Operasional (BOPO). Metode yang digunakan adalah metode kuantitatif dengan teknik analisis regresi data panel menggunakan alat statistik Eviews 9.0. Data yang digunakan adalah data sekunder dengan teknik pengambilan sampel purposive sampling sehingga menghasilkan sampel sebanyak 11 Bank Umum Syariah di Indonesia. Hasil penelitian ini menunjukkan bahwa secara simultan variabel Capital Adequacy Ratio (CAR), Financing to Deposito Ratio (FDR), Net Interest Margin (NIM), dan Bank Size berpengaruh signifikan terhadap Efisiensi Bank Umum Syariah di Indonesia periode 2012-2018. Selanjutnya, secara parsial Capital Adequacy Ratio (CAR), berpengaruh negative dan signifikan, Financing to Deposito Ratio (FDR) berpengaruh positif dan signifikan, Net Interest Margin (NIM) berpengaruh positif dan tidak signifikan, dan Bank Size berpengaruh negatif dan signifikan terhadap efisiensi perbankan syariah.Kata Kunci: Efisiensi, CAR, FDR, NIM, Bank Size, Bank Syariah. ABSTRACTEfficiency is an important indicator in measuring the overall performance of banking activities. This study aimed to determine the effect of the variable Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Net Interest Margin (NIM), and Bank Size on the Efficiency of Sharia Commercial Banks in Indonesia for the period 2012-2018, proxied through Operational Income Operational Expenses (BOPO). The method used was a quantitative method with panel data regression analysis techniques using statistical tools Eviews 9.0.  The data were secondary data with purposive sampling technique to produce a sample of 11 Sharia Commercial Banks in Indonesia. The results of this study showed that simultaneously the variables of Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Net Interest Margin (NIM), and Bank Size had a significant effect on the Efficiency of Islamic Commercial Banks in Indonesia for the period 2012-2018. Furthermore, partially Capital Adequacy Ratio (CAR) had a negative and significant effect, Financing to Deposit Ratio (FDR) had a positive and significant effect, Net Interest Margin (NIM) had a positive and insignificant effect, and Bank Size had a negative and significant effect on Sharia banking efficiency.Keywords: Efficiency, CAR, FDR, NIM, Bank Size, Sharia Bank.

scholarly journals ANALYSIS OF THE EFFECT OF CAPITAL ADEQUACY RATIO, NON PERFORMING FINANCING, AND FINANCING TO DEPOSIT RATIO ON PROFITABILITY: A CASE STUDY ON ISLAMIC COMMERCIAL BANKS IN INDONESIA

2021 ◽  
Vol 1 (1) ◽  
pp. 32-47
Author(s):  
Ema Muawanah ◽  
Imronudin Imronudin
Keyword(s):  
Commercial Banks ◽  
Stock Exchange ◽  
Secondary Data ◽  
Sampling Technique ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Coefficient Of Determination ◽  
Independent Variables ◽  
Capital Adequacy Ratio

This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), and Financing to Deposit Ratio (FDR) on Profitability (Case Study on Islamic Commercial Banks in Indonesia). This research used secondary data in the form of Islamic Commercial Bank financial statements. The population in this study is Islamic Commercial Banks listed on the Indonesia Stock Exchange in 2016-2018. The sampling technique employed was purposive sampling. A sample of 3 banks was obtained. Multiple linear regression was used. Classical assumption analysis was done prior to data analysis. Hypothesis testing used t-test, F test, and the coefficient of determination (R2). The results of this study indicated that CAR has a positive and significant effect on profitability, NPF has a negative and significant effect on profitability and FDR has a negative and no significant effect on profitability. Meanwhile, the independent variables together have an effect on profitability. The result of the coefficient of determination test shows that 61.1% of the profitability of Islamic Commercial Banks in Indonesia is explained by the variables of CAR, NPF, and FDR, while the remaining 38.4% is explained by other variables outside the model.

scholarly journals FAKTOR-FAKTOR YANG MEMPENGARUH TERHADAP TINGKAT DEPOSIT BANK UMUM SYARIAH PERIODE 2011-2018

2020 ◽  
Vol 6 (12) ◽  
pp. 2451
Author(s):  
Sri Fatimah Luliansari ◽  
Dian Filianti
Keyword(s):  
Financial Services ◽  
Commercial Banks ◽  
Deposit Insurance ◽  
Secondary Data ◽  
Fixed Effect Model ◽  
Capital Adequacy ◽  
Insurance System ◽  
Bank Deposits ◽  
Deposit Insurance System ◽  
Capital Adequacy Ratio

This study aims to determine the effect of partial and simultaneous variables of Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), and Deposit Insurance System (DIS) on Deposit Rates of Islamic commercial banks in the 2011-2018 period. The data used in this study are secondary data from the Financial Services Authority Report and Sharia Banking Annual Report 2010-2018. The analytical method used in this study is the penel data regression analysis test, where the sample used amounted to 11 Islamic commercial banks obtained by purposive sampling method. The results of the analysis of the best model data used by the author are the Fixed Effect Model. On the results of this researchers simultaneously all variables affect the level of Islamic commercial bank deposits. But partially the CAR and NPF variables have a positive effect on the deposit rate while the DIS does not affect the deposit rate.Keywords: Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Deposit Insurance system (DIS), Tingkat Deposit

scholarly journals Good Corporate Governance, Capital Adequacy, Financing Risk, Profitability and Islamic Social Reporting (ISR) of Sharia Commercial Banks in Indonesia

2021 ◽  
pp. 30-42
Author(s):  
Dwi Indriani Fidiastutik Wijaya ◽  
Agung Budi Sulistyo ◽  
Ahmad Roziq
Keyword(s):  
Corporate Governance ◽  
Financial Services ◽  
Commercial Banks ◽  
Sample Selection ◽  
Secondary Data ◽  
Sampling Technique ◽  
Capital Adequacy ◽  
Social Reporting ◽  
Good Corporate Governance ◽  
Financing Risk

Aims: To empirically evaluate Sharia commercial banks in Indonesia for good corporate governance, capital adequacy, financing risk, profitability, and Islamic Social Reporting (ISR). Study Design: Explanatory research with a quantitative approach and using secondary data. Place and Duration of Study: Sharia commercial banks registered with the Financial Services Authority in the period 2015-2019. Methodology: The sample selection used a purposive sampling technique and resulted in 7 Sharia commercial banks. Data analyzed using path analysis with SmartPLS 3.0. The analysis only uses the inner model evaluation because each variable in this study only uses one proxy or one indicator. Results: Good corporate governance and capital adequacy affects financing risk, good corporate governance, capital adequacy, and financing risk affects profitability, financing risk affects Islamic Social Reporting (ISR), while good corporate governance, capital adequacy, and profitability do not affect Islamic Social Reporting (ISR). Conclusions: Management should be able to create good corporate governance, manage capital adequacy to mitigate financing risk so that it can generate optimal profits for conducting sharia-based social activities and express it using the Islamic Social Reporting (ISR) as business transparency for stakeholders, thus increasing stakeholder confidence in the existence of Islamic commercial banks.

scholarly journals The effect of efficiency ratio, Bad Credit and Profitability to Capital Adequacy Ratio at Sharia Commercial Banks in Indonesia Year 2014-2018

2021 ◽  
Vol 5 (2) ◽  
pp. 112-122
Author(s):  
Sulistyaning Tyas ◽  
Eni Wuryani
Keyword(s):  
Commercial Banks ◽  
Linear Regression Analysis ◽  
Secondary Data ◽  
Sampling Technique ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Efficiency Ratio ◽  
Financial Reports ◽  
Capital Adequacy Ratio ◽  
Dependent Variables

This study aims to determine the effect of efficiency ratios, non-perfoming loans, and profitability on the capital adequacy ratio in Islamic Commercial Banks in Indonesia 2014-2018. This research is a quantitative study with secondary data from financial reports. Purposive sampling is a sampling technique use in this study so that there are 14 samples of Islamic commercial banks during the 2014-2018 period. The data analysis used is multiple linear regression analysis with the SPSS application. The results obtained by two dependent variables, the efficiency ratio and non-performing loans have an influence on the capital adequacy ratio. Meanwhile, profitability partially has no effect on the capital adequacy ratio.

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