scholarly journals The Effect Of Third Party Funds (DPK), Non Performing Financing (NPF), And Indonesian Sharia Bank Certificates (SBIS) On Sharia Banking Financing Distribution In Indonesia

2021 ◽  
Vol 2 (2) ◽  
pp. 72-77
Author(s):  
Riyan Pradesyah ◽  
Yuyun Triandhini
Keyword(s):  
Data Analysis ◽  
Commercial Bank ◽  
Financial Services ◽  
Quantitative Methods ◽  
Secondary Data ◽  
Third Party ◽  
Islamic Banking ◽  
Analysis Technique ◽  
Negative Effect ◽  
Positive Effect

The purpose of this research is to determine the effect of DPK, NPF, and SBIS either partially or simultaneously on the distribution of Islamic banking financing in Indonesia. In this research , using quantitative methods and the type of data used is secondary data. The sample used in this study is data on total financing, DPK, NPF and fund placement in Islamic Commercial Bank SBIS which are contained in the monthly Islamic Banking Statistics published by the Financial Services Authority for the period 2015 - 2019. The data analysis technique used in this study is test classical assumption, multiple linear regression and hypothesis testing. The results of this study were processed in the SPSS 22 program.The results showed that partially (t test) the DPK variable had a positive effect on the distribution of financing. This was evidenced by the t count (56.185)> (1.67252) t table and the sig value. 0.000 < 0.005. The NPF variable has a negative effect with t count (-3.914) <(1.67252) t table and sig. 0.000 < 0.005. The SBIS variable has no effect, as evidenced by the t count (1.536) <(1.67252) t table and the sig value. 0.130 > 0.005. Taken together (F test) shows that DPK, NPF, and SBIS have a significant effect on financing distribution as evidenced by the value of F count (1565,122)> (2.77) F table and sig. 0.000 < 0.005. The adjusted R2 value is 0.988, which means that the DPK, NPF and SBIS variables affect the distribution of financing by 98.8% while the remaining 1.2% is influenced by variables outside of this research .

scholarly journals PENGARUH OPERATING EXPENSES TO OPERATING REVENUES (BOPO), FINANCING TO DEPOSIT RATIO (FDR) DAN NON PERFORMING FINANCING (NPF) TERHADAP PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA

2021 ◽  
Vol 3 (1) ◽  
pp. 92-101
Author(s):  
Mella Kusuma Wardannah ◽  
Wirman Wirman
Keyword(s):  
Data Analysis ◽  
Financial Services ◽  
Commercial Banks ◽  
Islamic Banking ◽  
Significant Positive Effect ◽  
Financial Reports ◽  
Normality Test ◽  
Analysis Technique ◽  
Negative Effect ◽  
Positive Effect

The development of Islamic banking is currently growing rapidly and has gained a lot of trust in the community which greatly affects the nation's economy. This study aims to examine the influence of Operating Expenses to Operating Revenues (BOPO), Financing To Deposit Ratio (FDR) and Non-Performing Financing (NPF) on the Profitability of Islamic Commercial Banks in Indonesia in the 2015-2019 period. The data is taken from the annual financial reports of Sharia Commercial Banks registered with the Financial Services Authority in 2015-2019 which are published on the official website (www.ojk.co.id) The object of this research was conducted at 6 banks registered with the Financial Services Authority (OJK) with a period of 5 years for the 2015-2016 period. In total there are 6 Sharia commercial banks, namely Bank Muamalat, Bank Mega Syariah, Bank BRI Syariah, Bank BNI Syariah, Bank BCA Syariah, and Bank Mandiri Syariah. The data analysis technique used in the study used the classical assumption test which included normality test, multicollinearity test, heteroscedasticity test, autocorrelation test. To find out the overall picture of each of the variables, this study uses multiple linear regression and hypothesis testing which includes the t test (partial) and the f test simultaneously. The results showed that the BOPO variable had a significant negative effect on ROA, the FDR variable had a significant positive effect on ROA and the NPF variable had no effect on ROA. The results of this study are expected to be a guideline for further research and be useful for the management of Islamic Commercial Banks in managing the company.Keywords : Operating Expenses To Operating Revenues (BOPO), Financing To Deposit Ratio (FDR), Non                       Performing Financing (NPF), Profitabilitas (ROA)

scholarly journals Pengaruh Rasio Kinerja Bank Terhadap Profitabilitas Industri Bank Umum Syariah di Indonesia

2019 ◽  
Vol 5 (3) ◽  
pp. 217
Author(s):  
Felix Efendy ◽  
Salman Fathoni
Keyword(s):  
Commercial Bank ◽  
Financial Services ◽  
Time Series Data ◽  
Multiple Linear Regression Model ◽  
Secondary Data ◽  
Series Data ◽  
Return On Assets ◽  
Statistical Tool ◽  
Negative Effect ◽  
Positive Effect

The purpose of this study was to determine and analyze the effect of the level of bank health ratios measured by BOPO, FDR and NPF on increasing the profitability of the Sharia Commercial Bank industry in Indonesia, which is proxied by ROA. The data used in this study are secondary data including operational efficiency (BOPO), liquidity (FDR), Non Performing Finance (NPF) and Return On Assets (ROA) in the sharia commercial bank industry registered at Bank Indonesia. The data is a monthly time series data from 2015-2018 obtained through the official sharia banking statistics website, Financial Services Authority (https://www.ojk.go.id). To analyze it, researchers used a multiple linear regression model with statistical tool software EViews 9. From the observations and analysis of the data that has been done, the conclusions in this study are the BOPO, FDR and NPF on ROA which is an indicator of the Bank's health to measure profitability has a high relationship . The BOPO variable partially has a significant negative effect on profitability (ROA). FDR partially has a negative and significant effect on ROA. NPF partially has no positive effect on profitability.

scholarly journals The Effect of Capital Structure, Liquidity, and Company Size towards Profitability

2020 ◽  
Vol 12 (4(J)) ◽  
pp. 59-66
Author(s):  
Joy Pandapotan ◽  
Noegrahini Lastiningsih
Keyword(s):  
Data Analysis ◽  
Capital Structure ◽  
Annual Report ◽  
Hypothesis Test ◽  
Secondary Data ◽  
Company Size ◽  
Significant Positive Effect ◽  
Analysis Technique ◽  
Negative Effect ◽  
Positive Effect

This study aims to determine the effect of capital structure, liquidity, and company size on profitability in state-owned companies listed on the Indonesian state-owned enterprise website in 2016 - 2018. This research uses a quantitative approach. This study uses secondary data from company financial and annual report, the sample consists of 65 stated-owned companies. The data analysis technique in this study uses multiple linear regression, classic assumption test, and the hypothesis test consists of  the t-test. Based on the results of data analysis known that capital structure has a insignificant negative effect on profitability, liquidity has a significant positive effect on profitability, and company size has a significant negative effect on profitability. The results of this study are expected to be useful for managers in making decisions related to company management, beneficial for investors in choosing investments, and being useful as a reference for further researchers who studying profitability variables

scholarly journals PENGARUH SUKU BUNGA, NILAI TUKAR, DPK, DAN NPF/NPL KPR TERHADAP PENYALURAN KPR PERBANKAN DI INDONESIA

2020 ◽  
Vol 6 (10) ◽  
pp. 2077
Author(s):  
Muchammad Atho'ur Rohman ◽  
Siti Zulaikha
Keyword(s):  
Exchange Rates ◽  
Interest Rates ◽  
Secondary Data ◽  
Third Party ◽  
Islamic Banking ◽  
Significant Positive Effect ◽  
Simultaneous Test ◽  
Banking Market ◽  
Negative Effect ◽  
Positive Effect

This study aims to determine the effect of interest rates, exchange rates, third party funds and NPF / NPL Mortgages on the distribution of banking mortgages in Indonesia. It is intended that Islamic banks are able to make optimal policies in the distribution of mortgages and mitigation so that the Islamic banking market share can develop. The data required is secondary data from the Indonesian Banking Statistics report, Islamic Banking Statistics, and Indonesian Economic and Financial Statistics for the period October 2014 - May 2019. Based on Multiple Linear Regression, it is known that the simultaneous test results of all variables together have a positive significant effect in the distribution of banking mortgages, and in the partial test it is known that the interest rates and third party funds have a significant positive effect on mortgages in sharia and conventional banking. The exchange rate has a significant positive effect on Islamic banking mortgages, and a significant negative effect on conventional banking mortgages. NPF / NPL mortgage has an insignificant positive effect on the mortgages of both banks. So it can be concluded that the variable interest rates, exchange rates, and third party funds affect the distribution of Islamic banking mortgages and conventional banking mortgages, while the variable NPF / NPL mortgages have no effect.Keywords: Interest rates, exchange rates, third party fund, non performing finance, non performing loan

scholarly journals ANALISIS TAWHIDI STRING RELATION (TSR) TERHADAP FAKTOR-FAKTOR YANG MEMPENGARUHI PENYALURAN PEMBIAYAAN PERBANKAN SYARIAH INDONESIA 2009-2019

2020 ◽  
Vol 7 (1) ◽  
pp. 1
Author(s):  
Warto A.S ◽  
R Bambang Budhijana
Keyword(s):  
Linear Regression ◽  
Multiple Linear Regression ◽  
Commercial Bank ◽  
Banking Industry ◽  
Third Party ◽  
Islamic Banking ◽  
Business Unit ◽  
Bank Financing ◽  
Analysis Technique ◽  
Negative Effect

This study uses the Sharia Commercial Bank and Sharia Business Unit as a whole as the object of research from the period 2009-2019 (quarterly). The analysis technique used is multiple linear regression. To find out the relation process used Tawhidi String Relation (TSR) analysis based on unity, correlation and evolution. Based on the research, the results show that Third Party Funds (TPF) have a positive and significant effect on the distribution of Islamic Banking financing. Non Performing Financing (NPF) has a positive and not significant effect on the distribution of bank financing. While Bank Indonesia Sharia Certificates (BISC) have a negative and significant effect on the distribution of bank financing. Based on the TSR analysis, it was concluded that BISC had a negative effect on all variables used in this study, both: DF, TPF and NPF. Therefore, this research can be a criticism for the Islamic banking industry in channeling financing in the form of BISC.

PENGARUH DANA PIHAK KETIGA, BIAYA OPERASIONAL, BI RATE, DAN INFLASI PADA PENDAPATAN MARGIN MURABAHAH

2021 ◽  
Vol 5 (1) ◽  
pp. 121-139
Author(s):  
Yuli Mustikawati ◽  
Muhammad Ali Fikri
Keyword(s):  
Financial Services ◽  
Commercial Banks ◽  
Total Population ◽  
Secondary Data ◽  
Sampling Technique ◽  
Third Party ◽  
Operating Costs ◽  
Financial Reports ◽  
Negative Effect ◽  
Positive Effect

The purpose of this study is to determine the effect of third party funds, operational costs, BI rate and inflation on murabahah margins income of Islamic commercial banks in Indonesia. This research data uses secondary data in the form of quarterly financial reports of Islamic commercial banks in 2015-2019. The total population used was 14 Islamic commercial banks registered with the Financial Services Authority during the 2015–2019 period. Sampling using purposive sampling technique and data processing using the Eviews 9 application. Results: First, third party funds have a positive effect on murabahah margin income. Second, operating costs have a positive effect on murabahah margin income. Third, the BI rate has a negative effect on murabahah margin income. Fourth, inflation has a positive effect on murabaha margin income.

scholarly journals The Effect of Inflation and Murabaha on Profitability with NPF as an Intervening Variable

2020 ◽  
Vol 1 (2) ◽  
pp. 133-144
Author(s):  
Bahtiar Effendi
Keyword(s):  
Data Analysis ◽  
Path Analysis ◽  
Quantitative Methods ◽  
Secondary Data ◽  
Data Sources ◽  
Test Tool ◽  
Negative Effect ◽  
Relationship Of ◽  
Positive Effect

This study aims to determine the effect of inflation, murabaha on the profitability of BPRS mediated by Non Performing Financing (NPF). This study uses quantitative methods and data analysis using Path Analysis with the help of WarpPls 5.0 test tool. Data sources are secondary data obtained from the official website of Bank Indonesia and the Sharia Banking Statistics Report. The results showed that: (1) Inflation did not affect the profitability of BPRS (2) Murabaha financing negatively affect the profitability of BPRS; (3) NPF has a negative effect on profitability of BPRS; (4) Inflation has no effect on NPF of BPRS; (5) Murabahah has a positive effect on NPF of BPRS; (6) NPFs can not mediate the inflation and profitability relationship of the BPRS; (7) NPF mediates the murabahah and profitability of BPRS

Employee Engagement Dan Stress Kerja Pengaruhnya Terhadap Kepuasan Kerja Dan Turnover Intention di Aman Villas Nusa Dua – Bali

2020 ◽  
Vol 2 (1) ◽  
pp. 60-79
Author(s):  
Wayan Arya Paramarta ◽  
Ni Putu Kurnia Darmayanti
Keyword(s):  
Job Satisfaction ◽  
Employee Engagement ◽  
Work Stress ◽  
Turnover Intention ◽  
Secondary Data ◽  
Qualitative And Quantitative ◽  
Library Research ◽  
Analysis Technique ◽  
Negative Effect ◽  
Positive Effect

The aims of this study was to explain the effect of employee engagement and work stress on job satisfaction and turnover intention at Aman Villas Nusa Dua-Bali. The type of data used in this study is qualitative and quantitative data, with data sources namely primary and secondary data. Data collection method is interview, distributing questionnaires to respondents and library research, while the data analysis technique used Smart PLS 3.2.8. The results of this study showed that employee engagement had a positive effect and significant on job satisfaction, work stress had a negative effect but not significant on job satisfaction, employee engagement had a negative effect and significant on turnover intention, work stress had a positive effect and significant on turnover intention, job satisfaction had a negative effect but not significant on turnover intention, employee engagement had a positive effect but not significant on turnover intention trough job satisfaction, work stress had a positive effect but not significant on turnover intention trough job satisfaction at Aman Villas Nusa Dua-Bali.

scholarly journals Faktor - Faktor Yang Mempengaruhi Penyaluran Pembiayaan Perbankan Syariah Indonesia Periode 2009 - 2019

2019 ◽  
Vol 1 (1) ◽  
pp. 1
Author(s):  
Warto Warto ◽  
R Bambang Budhijana
Keyword(s):  
Commercial Bank ◽  
Optimal Growth ◽  
Third Party ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Business Unit ◽  
Significance Level ◽  
Bank Financing ◽  
Analysis Technique ◽  
Research Period

Compared to conventional banking, the distribution of Islamic banking financing is more optimal, growth is continuous and asset enhancement is very good. This is indicated by the Financing to Deposit Ratio (FDR) which ranges between 94.88%. This means that a Sharia Bank is able to meet the targets and expectations of Bank Indonesia. Given the lack of Islamic banks and their limited assets, this optimization is certainly influenced by many factors, therefore it is necessary to test the factors that influence the distribution of Islamic banking financing, which includes Third Party Funds (DPK), Non Performing Financing (NPF) and Bank Indonesia Syariah Certificate (SBIS). This study uses the Sharia Commercial Bank and the Sharia Business Unit as a whole as a unit of research object, with the research period from 2009-2019 (in the quarterly period). The analysis technique used is multiple linear regression, while hypothesis testing uses the t-test to test the effect of variables partially, and the F-test to test the effect of variables simultaneously with a significance level of 5% or 0.05. Based on the research, it was found that Third Party Funds (TPF) had a positive and significant effect on the distribution of Islamic Banking financing. Non Performing Financing (NPF) has a positive and insignificant effect on the distribution of bank financing. While Sharia Bank Indonesia Certificates (SBIS) have a negative and significant effect on the distribution of bank financing.

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.

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