scholarly journals Determinan Dana Pihak Ketiga Bank Umum Syariah Di Indonesia

2021 ◽  
Vol 2 (2) ◽  
pp. 226-236
Author(s):  
Dadang Husen Sobana ◽  
Ricky Hamzah ◽  
Sri Habibah
Keyword(s):  
Data Analysis ◽  
Linear Regression ◽  
Gross Domestic Product ◽  
Commercial Banks ◽  
Financial Stability ◽  
Research Method ◽  
Third Party ◽  
Domestic Product ◽  
Islamic Banks ◽  
Macroeconomic Conditions

Third-party funds at Islamic commercial banks in Indonesia fluctuated. The factors that determine the accumulation of third-party funds are essential for Islamic banks' financial stability and management. This study aims to show and describe the effect of gross domestic product and inflation on third-party funds partially and simultaneously. The research method used is descriptive-associative with a quantitative approach. The population used is Islamic commercial banks in Indonesia. Data analysis using multiple linear regression. The results show that gross domestic product and inflation partially affect third-party funds in Islamic commercial banks in Indonesia. Meanwhile, simultaneously gross domestic product and inflation have a significant effect with a contribution of 85.5% to third-party funds in Islamic commercial banks in Indonesia. The increase in third-party funds depends on Indonesia's macroeconomic conditions, the dominant macroeconomic influencing the collection of third-party funds in Islamic commercial banks in Indonesia.

scholarly journals Pengaruh Faktor Makro Ekonomi, Dana Pihak Ketiga dan Pangsa Pembiayaan Terhadap Profitabilitas Industri Perbankan Syariah di Indonesia Tahun 2011-2015

2017 ◽  
Vol 4 (12) ◽  
pp. 977
Author(s):  
Laras Andasari Syachfuddin ◽  
Suherman Rosyidi
Keyword(s):  
Gross Domestic Product ◽  
Market Share ◽  
Negative Correlation ◽  
Confidence Level ◽  
Research Method ◽  
Sampling Method ◽  
Third Party ◽  
Domestic Product ◽  
Analysis Technique ◽  
Independent Variable

This study aims to determine the effect of macroeconomics factor, third party funds and market share to profitability sharia banks industry period 2011 until 2015. The research method used is a quantitative approach. The dependent variable in this study is profitability (ROA), as well as the independent variable in this study is macroeconomics factor (inflation and gross domestic product), third party funds and market share. Sampling method in this research used a saturated sampling. The analysis technique used is multiple linier regression.Research result shows that the confidence level is 95%, macroeconomics factor (inflation and gross domestic product) and third party funds have a negative correlation to profitability (ROA). Simultaneously variables in this study a significant effect on the magnitude of the amount of profitability (ROA) sharia banks industry with 84.4% value of coefficient determination. The partially, third party funds and market share had significant effect toprofitability (ROA) sharia banks industry.

scholarly journals PENGARUH PENYALURAN DANA BANK KONVENSIONAL DAN BANK SYARIAH TERHADAP PRODUK DOMESTIK BRUTO DI INDONESIA

Media Ekonomi ◽  
2016 ◽  
Vol 24 (2) ◽  
pp. 127
Author(s):  
Sinta Rani Siti Sarah ◽  
Sumiyarti ,
Keyword(s):  
Linear Regression ◽  
Gross Domestic Product ◽  
Least Square Method ◽  
Least Square ◽  
Domestic Product ◽  
Islamic Banks ◽  
Ordinary Least Square ◽  
Analysis Technique ◽  
Using Data ◽  
Conventional Banks

<p><em>This study aims to analyse the distribution of Islamic banks and the distribution of conventional bank funds to the gross domestic product in Indonesia. The analysis was carried out using data scanned by the Central Statistics Agency (BPS) and Bank Indonesia for 2004: 01-2014: 04 period. The analysis technique used in this study was Multiple Linear Regression using the OLS (Ordinary Least Square) method. The results showed that the distribution of Islamic banks had a positive and not significant effect on the growth of Gross Domestic Product (GDP), while the distribution of funds from conventional banks and Islamic banks was significant towards Gross Domestic Product.</em></p>

scholarly journals Analisis Fakor Internal dan Eksternal yang Memengaruhi Financial Distress Bank Umum Syariah Periode 2014-2018

2021 ◽  
Vol 1 (2) ◽  
pp. 446-457
Author(s):  
Dhiwi Rasa Wulan Pamungkas ◽  
Fatmi Hadiani ◽  
Radia Purbayati
Keyword(s):  
Gross Domestic Product ◽  
Financial Distress ◽  
Commercial Banks ◽  
Logistic Regression Model ◽  
Sampling Method ◽  
Annual Report ◽  
Capital Adequacy ◽  
Domestic Product ◽  
Islamic Banks ◽  
Capital Adequacy Ratio

The purpose of this study is to determine the influence of Non Performing Finance (NPF), Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), Inflation, and Gross Domestic Product (GDP) on Financial Distress as measured by Grover method (G-Score). The sample of this study used a purposive sampling method and obtained 12 Islamic Commercial Banks in Indonesia to be analyzed. The data in this study were sourced from annual report Islamic Banks and reports on inflation and Gross Domestic Product (GDP). This research will be analyzed by a logistic regression model that will be tested using the EViews version 10 SV software. The results of this study indicate that there are four Islamic Commercial Banks in Indonesia that experienced financial distress during the 2014-2018 period. Partially, NPF and inflation have a significant effect on financial distress, while FDR, CAR, and GDP have no significant effect on financial distress.

scholarly journals PENGARUH VARIABEL MAKRO DAN MIKRO EKONOMI TERHADAP PEMBIAYAAN BERMASALAH PADA BANK SYARIAH DI INDONESIA

2017 ◽  
Vol 2 (1) ◽  
Author(s):  
Sigit Arie Wibowo ◽  
Wahyu Saputra
Keyword(s):  
Gross Domestic Product ◽  
Commercial Banks ◽  
Sampling Method ◽  
Capital Adequacy ◽  
Domestic Product ◽  
Research Subject ◽  
Islamic Banks ◽  
Purposive Sampling ◽  
Capital Adequacy Ratio ◽  
Economic Size

ABSTRAK Tujuan dari penelitian ini adalah untuk mengetahui seberapa besar pengaruh variabel inflasi, Gross Domestic Product (GDP), ukuran bank (size), Financing to Deposit Ratio (FDR), Financing to Asset Ratio (FAR), dan Capital Adequacy Ratio (CAR) terhadap variabel Non Performing Financing (NPF) pada Bank Umum Syariah di Indonesia tahun 2011-2015. Subjek penelitian ini adalah Bank Umum Syariah di Indonesia. Dalam penelitian ini, total sampel sebanyak 11 Bank Umum Syariah diperoleh dengan menggunakan metode purposive sampling. Alat analisis yang digunakan adalah analisis regresi berganda. Berdasarkan hasil analisis diperoleh bahwa, PDB, ukuran, dan CAR berpengaruh secara signifikan terhadap pembiayaan bermasalah. Sedangkan inflasi, FDR, dan FAR tidak berpengaruh terhadap pembiayaan bermasalah.Kata kunci: pembiayaan bermasalah, Bank Syariah, inflasi, ukuran bank, NPF ABSTRACT The purpose of this study is to determine how much influence the variable inflation, gross domestic product (GDP), the economic size of the Bank (size), Financing to Deposit Ratio (FDR), Financing to Asset Ratio (FAR), and the Capital Adequacy Ratio (CAR) to variable Non Performing Financing NPF) in Islamic commercial banks in Indonesia 2011-2015. This research subject is an Islamic commercial bank in Indonesia. In this study a total samples of 11 Islamic commercial banks were obtained using purposive sampling method. The analytical tool used is multiple regression analysis. Based on the analysis of the obtained results that, GDP, size, and CAR significantly influence the financing problems. As for inflation, FDR, and the FAR does not have an impact on financing problems.Keywords: financing problems, Islamic banks, inflation, the size of the bank, NPF

scholarly journals Liquidity and Capital of Islamic Banks in Indonesia

2017 ◽  
Vol 6 (1) ◽  
pp. 49-68
Author(s):  
Muhammad Nadratuzzaman Hosen ◽  
Syafaat Muhari
Keyword(s):  
Linear Regression ◽  
Gross Domestic Product ◽  
Multiple Linear Regression ◽  
Third Party ◽  
Islamic Banks ◽  
Negative Coefficient ◽  
Time Deposit ◽  
Saving Deposit ◽  
High Level ◽  
Good Environment

This study is aimed to analyzed the factors that affect the liquidity and capital of Islamic banks in Indonesia. The method is used multiple linear regression. This result shows that the main problem of Islamic banks in Indonesia is how to increase equity in line with increasing third party fund. Another problem is that Islamic bank face difficulties to find debt for solving liquidity problem due to lack of instruments for liquidity derivative. Therefore Islamic banks rely on third party funds, which are high cost of funds due to time deposit fund, rather than using current deposit and saving deposit fund. Another result, negative coefficient of Gross Domestic Product (GDP) to Quick Ratio (QR) indicate that if macroeconomics of Indonesia is stable and good environment, Islamic banks will expansive the market, meanwhile Islamic banks have now low level of liquidity buffer. This means Islamic banks face high level of risk, if core depositors withdraw money rushly it became defaultDOI:  10.15408/sjie.v6i1.4405

scholarly journals PENINGKATAN PROFITABILITAS SERTA PENGARUH DANA SYIRKAH TEMPORER, KEWAJIBAN DAN EKUITAS DENGAN VARIABEL RISIKO PEMBIAYAAN SEBAGAI ANTISEDEN (STUDI PADA PERBANKAN SYARIAH DI INDONESIA)

2016 ◽  
Vol 1 (1) ◽  
pp. 144-172
Author(s):  
Marheni Marheni
Keyword(s):  
Data Analysis ◽  
Path Analysis ◽  
Commercial Banks ◽  
Research Method ◽  
Sampling Method ◽  
Islamic Banks ◽  
Equity Financing ◽  
Significant Negative Effect ◽  
Financing Risk ◽  
Negative Effect

The purpose of this study is the effect of temporary syirkah funds, liabilities and equity of the financing risk and profitability of Islamic banks in Indonesia; analysis of effect financing risk on profitability. The population is Islamic bank in Indonesia. The sample was selected using purposive sampling method. Observation number 11 bank research. Method of data analysis used the path analysis. Results of this study indicate that the fund temporary syirkah positive significant effect on the risk of financing received. The more the amount of funds held temporary syirkah the risk of non-performing loans to finance or Islamic banks NPF indicator becomes smaller. Obligations positive significant effect on the risk of financing. The larger a bank's liabilities, the risk of non-performing loans to the financing or NPF indicator will also be greater. no significant effect on the risk of financing. This means that the level of equity had no impact on the level of financing risk. Fund temporary syirkah positive significant effect on profitability. Obligations positive significant effect on profitability. Debt obligations or received will indirectly increase the amount of income. Equity does not significantly influence the risk of financing. This means that the size of the equity has no effect on the level of profitability and ROA indicators received by commercial banks financing syariah.Risiko significant negative effect on profitability. Conclusion the study shows that the temporary syirkah funds and liabilities have a significant effect on the risk of equity financing and profitability while no significant effect on risk financing and profitability.

scholarly journals Determinants Non-Performing Financing (NPF) in Indonesia

2020 ◽  
Vol 8 (2) ◽  
pp. 255
Author(s):  
Asma' Munifatussa'idah
Keyword(s):  
Linear Regression ◽  
Gross Domestic Product ◽  
Multiple Linear Regression ◽  
Commercial Banks ◽  
Domestic Product ◽  
Capital Requirement ◽  
Minimum Capital ◽  
Minimum Capital Requirement ◽  
Pls Method

This study aims to analyze the significance effect of Minimum Capital Requirement (KPMM), Financing to Deposit Ratio (FDR), Operating Expenses to Operations Revenue (BOPO), and Gross Domestic Product (GDP) toward Non-Performing financing (NPF) at Sharia Commercial Banks in Indonesia. This study uses analysis multiple linear regression (PLS) method. The sample in this study is the quarterly Sharia Commercial Banks (BUS) in the period of 2014-2019. The result of this study showed that KPMM, FDR, BOPO, and GDP simultaneously have a significant effect toward NPF. Partially KPMM, FDR, and BOPO have a significant effect toward NPF, and GDP partially not significant effect toward NPF in Indonesia Sharia Commercial Banks period 2014-2019.

scholarly journals Dampak Dispersion Of Ownership, Financial Distress, Dewan Pengawas, Umur Listing terhadap Pengungkapan Sukarela Bank Syariah

2020 ◽  
Vol 30 (6) ◽  
pp. 1603
Author(s):  
Barry Alfian ◽  
Lilik Handajani ◽  
I Nyoman Nugraha Ardana Putra
Keyword(s):  
Data Analysis ◽  
Linear Regression ◽  
Financial Distress ◽  
Commercial Banks ◽  
Voluntary Disclosure ◽  
Supervisory Board ◽  
Islamic Banks ◽  
Analysis Techniques ◽  
Statistical Results ◽  
Observation Period

This study aims to look at the effect of ownership dispersion, financial distress, sharia supervisory board and age of listings on the extent of voluntary disclosure in Islamic banks registered with OJK in the 2015-2018 period. The population of the study was 14 companies of Islamic Commercial Banks and the number of samples obtained were 13 companies with an observation period of 4 years. Data analysis techniques using multiple linear regression. Statistical results show that Simultaneous that dispersion of ownership, financial distress, sharia supervisory board and age of listings have a positive and significant effect on voluntary disclosure of Islamic Commercial Banks. While partially dispersion of ownership and sharia supervisory board negative significant influence on voluntary disclosure of Islamic Commercial Banks. Keywords: Voluntary Disclosure; Ownership Dispersion; Financial Distress; Supervisory Board; Age Of Listing.

scholarly journals PENGARUH NON PERFORMING FINANCING (NPF) DAN GROWTH OF GROSS DOMESTIC PRODUCT (GGDP) TERHADAP FINANCING TO DEPOSIT RATIO (FDR) DI PT BANK BNI SYARIAH PERIODE 2013-3017

2019 ◽  
Vol 4 (2) ◽  
Author(s):  
Qiny Shonia Az Zahra
Keyword(s):  
Data Analysis ◽  
Linear Regression ◽  
Gross Domestic Product ◽  
Research Method ◽  
Secondary Data ◽  
Financial Statements ◽  
Coefficient Of Determination ◽  
Analysis Techniques ◽  
Analytical Verification

Liquidity is an important point in banking operations as well as in the resilience and sustainability of a sharia bank. FDR at Bank BNI Syariah tends to decrease during the period 2013-2017. In addition, there is a phenomenon of a gap between the development NPF and GGDP against FDR in PT Bank BNI Syariah. This study has a purpose to know the partial influence of NPF and GGDP on FDR. In addition, this study aims to determine how much the simultan influence of NPF and GGDP on FDR.In some opinions and research results found by other researchers that NPF, and GGDP will affect FDR. GGDP increase, FDR will also increase, and vice versa. Whereas when the NPF increases, the FDR will decrease.The research method used is descriptive analytical verification by a quantitative approach. The data used is secondary data in the form of financial statements published by PT Bank BNI Syariah during the 2013-2017. Data analysis techniques used were linear regression, PPM correlation, coefficient of determination, and hypothesis testing (t test and F test) using SPSS 22.0.The conclusion obtained from this study that partially NPF has a significant effect on FDR with a determination coefficient of 56.7% and GGDP has no significant effect on FDR with a coefficient of determination of 0.2%. While simultaneously NPF and GGDP affect FDR with a coefficient of determination of 60.7%. In addition, it was found that the value of F calculated ≥ value of Ftable (12,374 3,630). This means that the estimated regression model is appropriate to explain the influence of NPF and GGDP on FDR at PT Bank BNI Syariah for the 2013-2017 period.

scholarly journals The impact of gross domestic product on the financing and investment efficiency of China’s commercial banks

2021 ◽  
Vol 7 (1) ◽  
Author(s):  
Zhen Shi ◽  
Shijiong Qin ◽  
Yung-ho Chiu ◽  
Xiaoying Tan ◽  
Xiaoli Miao
Keyword(s):  
Gross Domestic Product ◽  
Commercial Banks ◽  
Domestic Product ◽  
Investment Efficiency ◽  
Internal Factors ◽  
Slowing Down ◽  
Return On Capital ◽  
Overall Efficiency ◽  
Financing And Investment ◽  
The Impact

AbstractChina’s commercial banks have developed at a very rapid speed in recent decades. However, with global economic development slowing down, the impact of gross domestic product growth as an exogenous factor cannot be ignored. Most existing studies only consider the internal factors of banks, and neglect their external economic factors. This study thus adopts an undesirable dynamic slacks-based measure under an exogenous model in combination with the Kernel density curve to explore the efficiency of state-owned commercial banks (SOCBs), joint-stock commercial banks (JSCBs), and urban commercial banks (UCBs) in China from 2012 to 2018. The results show that SOCBs have the highest overall efficiency, followed by JSCBs, then UCBs. The efficiencies of SOCBs, JSCBs, and UCBs in the financing stage are greater than those in the investment stage, indicating that the latter stage brings down overall efficiency. Thus, all commercial banks need to focus on the efficiency of non-performing loans and return on capital. Finally, SOCBs need to strengthen internal controls, reduce non-performing loans and improve return on capital. JSCBs should actively expand its business while controlling costs, and UCBs should optimize its management.

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