scholarly journals The Influence of Internal and External Factors on NPF And NPL

2021 ◽  
Vol 6 (1) ◽  
pp. 37
Author(s):  
Wahyu Prastowo ◽  
Hardius Usman
Keyword(s):  
Standard Error ◽  
Estimation Method ◽  
Secondary Data ◽  
Islamic Banking ◽  
Cross Sectional ◽  
Significance Level ◽  
Financing Risk ◽  
External Conditions ◽  
Standard Error Estimation ◽  
Internal And External Factors

<p><em>Indonesia has two types of bank, islamic banking and conventional banking. In their activities, banks are often facing any risks, named financing risk (NPF) in the islamic banking and credit risk (NPL) in the conventional banking. Based on data by OJK, the value of NPF is always higher than NPL. However, in January-August 2020 the NPF tended to decrease while the NPL tended to increase, even indicating a movement that would excited the NPF value. Therefore, it's necessary to the research of the factors that influence both NPF and NPL, including the internal and external conditions of the bank. The data that used as reference is the secondary data from OJK of 10 both islamic and conventional commercial banks from the first quarter of 2019 to the third quarter of 2020. Furthermore, the data is analyzed with panel model fixed effect data analysis with the robust standard error estimation method and panels corrected standard error (PCSE cross-sectional SUR). By using 5% of significance level, this research results that NPF is only significantly and positively influenced by FDR. However, NPL is significantly and negatively affected by the inflation and ROA, also significantly and positively influenced by CAR, LDR, and BOPO.</em></p>

scholarly journals RISK ANALYSIS OF ISLAMIC BANKING FINANCING BUSINESS IN INDONESIA 2014-2018

2019 ◽  
Vol 17 (2) ◽  
pp. 131
Author(s):  
Herlan Firmansyah ◽  
Mohamad Anton Athoillah
Keyword(s):  
Secondary Data ◽  
Market Risk ◽  
Profit Sharing ◽  
Islamic Banking ◽  
Investment Risk ◽  
Strategic Risk ◽  
Reputation Risk ◽  
Yield Risk ◽  
Financing Risk ◽  
Investment Portfolios

The purpose of this article is to analyze business risk in Islamic banking financing in Indonesia. The method used in this study is a qualitative research method with a descriptive approach. The data used in this study are secondary data sourced from Sharia Banking Statistics (SBS). The conclusions of this article are ten business risks that must be managed by Islamic banks in carrying out their functions, namely financing risk, market risk, liquidity risk, operational risk, legal risk, reputation risk, strategic risk, compliance risk, yield risk, yield risk, and investment risk. Four business risks affect the profitability of Sharia Commercial Banks (BUS) in Indonesia, namely financing risk as measured by NPF, the rupiah exchange rate measures market risk against the USD and inflation, return NCD measures risk on total deposits and investment risk measured by the percentage potential loss profit-sharing financing for mudharabah and musyarakah investment portfolios.

scholarly journals RISK FACTORS INFLUENCING ENTEROCOLITIS DEVELOPMENT IN PEDIATRIC PATIENTS WITH HIRSCHSPRUNG’S DISEASE

2020 ◽  
Vol 8 (3) ◽  
pp. 218
Author(s):  
Andro Pramana Witarto ◽  
Alpha Fardah Athiyyah ◽  
I.G.B. Adria Hariastawa ◽  
I Gusti Made Reza Gunadi Ranuh
Keyword(s):  
Risk Factors ◽  
Hirschsprung's Disease ◽  
Hirschsprung’S Disease ◽  
Secondary Data ◽  
Prevalence Ratio ◽  
Cross Sectional Study ◽  
Cross Sectional ◽  
Significance Level ◽  
Potential Risk Factors ◽  
History Of

Background: Hirschsprung-associated enterocolitis (HAEC) is one of the worst and most common complications of Hirschsprung’s disease (HD). The mortality rate of HD patients with enterocolitis is still considered to be higher compared to that of those without enterocolitis. Purpose: This study aimed to identify and evaluate potential risk factors for HAEC development. Methods: A cross-sectional study was conducted using secondary data from the medical records of HD patients treated from January 2015 to September 2018 at Regional Public Hospital (RSUD) Dr. Soetomo, Surabaya. The inclusion criteria were HD patients who had or had not experienced enterocolitis. The analysis was done by comparing the presence of risk factors between groups of HD patients with and without preoperative and/or postoperative HAEC. The results were presented as the median value and frequency. To evaluate further, a prevalence ratio (PR) with a 95% confidence interval was performed. The Mann–Whitney U test was also performed with a significance level of p < 0.05 for one factor: length of aganglionic intestinal segments. Results: This study showed that 12 of the 40 HD patients studied (30%) had experienced enterocolitis. The risk of developing HAEC was associated with patients who had a history of previous enterocolitis (PR 6.60 [2.94 < PR < 14.80]). Regarding surgical details, patients who had had surgery only once (31.30% compared to 14.30%), surgery with one surgical method (29.40% compared to 20.00%), and a primary procedure had a higher incidence of HAEC (29.40% compared to 27.30%). Conclusion: HD patients with a history of previous enterocolitis were found to have a higher risk of developing HAEC.

scholarly journals Faktor-Faktor yang Berhubungan dengan Penggunaan Metode Kontrasepsi Tradisional

2021 ◽  
Vol 16 (1) ◽  
pp. 14-22
Author(s):  
Urip Tri Wijayanti
Keyword(s):  
Family Planning ◽  
Univariate Analysis ◽  
Secondary Data ◽  
Married Women ◽  
Bivariate Analysis ◽  
Chi Square ◽  
Related Factors ◽  
Cross Sectional ◽  
Significance Level ◽  
Central Java

Background: The use of modern contraceptives in Central Java tends to decrease while traditional methods are increasing. The purpose of this study was to determine the factors associated with the use of traditional contraceptives among currently married women aged 15-49 in Central Java Province. The factors discussed include the number of children born alive, wife's age, wife's education, wife's occupation, residence, and access/utilization of family planning information sources.Method: The research design was cross-sectional, used secondary data from the Central Java SKAP 2019. The total number of respondents was 2.088 married women aged 15-49 years and not currently pregnant. Data collected by interview using a structured questionnaire. Data analysis with univariate analysis and bivariate analysis using the chi-square statistical test with a significance level of 5%.Results: The research found that most respondents were ≥ 35 years old, having ≥ 2 children, having high education level (senior high school to higher education), not working, living in the cities, and able to use some media to find information about family planning. The related factors to the use of traditional contraceptive methods were education and residences. The number of live birth children, ages, jobs, and the use of media did not influence the use of the traditional contraceptive method.

scholarly journals The correlation between laboratory skills frequency and the result of intranatal care practicum of midwifery program students of health faculty in Universitas Muhammadiyah Banjarmasin

2019 ◽  
Vol 1 (2) ◽  
Author(s):  
Afiatun Rahmah ◽  
Rizki Amalia ◽  
Nelly Mariati
Keyword(s):  
Mortality Rate ◽  
Secondary Data ◽  
Sampling Technique ◽  
World Health ◽  
Chi Square ◽  
Cross Sectional ◽  
Significance Level ◽  
Live Births ◽  
Data Tables ◽  
Health Organization

Based on IDHS Survey in 2012, the average Maternal Mortality Rate (MMR) was recorded at 359/100,000 live births. The average mortality rate was much higher compared to the results of IDHS survey in 2007 which was reached 228/100,000 live births. World health organization (WHO) in 2000s introduced Intranatal Care to prevent complications in childbirth. Intranatal care then was introduced to the student through university subject, in which 40% was theory and 60% was laboratory clinic practicum. This research aimed to determine the correlation between laboratory skills frequency and the result of intranatal care practicum of midwifery program students of health faculty in Universitas Muhammadiyah Banjarmasin. Methods: This research was quantitative study using descriptive analytic method with cross sectional approach. Sampling technique used was total sampling. The data were collected using secondary data which was presented in the form of data, tables, diagrams, or research topics by using Chi Square test with 95% significance level of 5,991. 32 (37,2%) respondents with <5 times of lab skill frequency showed <75 test scores, while 51 out of 54 (59,3%) respondents who had ≥5 lab skill frequency had ≥ 75 exam scores. Statistical analysis using Chi Square showed the value of p=0,000, which means that there was a correlation between lab skill frequency and the results of the practical test. Conclusion: It can be concluded that improving learning activities in the laboratory will improve students' practical abilities

scholarly journals Risk Analysis of Sharia Bank Financing Contract

2020 ◽  
Vol 3 (1) ◽  
pp. 1
Author(s):  
Riduwan Riduwan ◽  
Gita Danupranata
Keyword(s):  
Secondary Data ◽  
Financial Statements ◽  
Financing Risk ◽  
Medium Risk ◽  
Quantitative Descriptive ◽  
Conventional Banks ◽  
Internal And External Factors ◽  
And Control ◽  
Bad Debt ◽  
Survey Approach

Non-Performing Financing (NPF) is the inability of customers to meet their obligations in accordance with the contract, which can be categorized into three types namely substandard, doubtful and bad debt (macet). NPF is the main and biggest risk for sharia banks, hence the ability of sharia banks to identify, measure, monitor and control the risks of financing and capital provision is very important. Sharia banks will face greater risks than conventional banks because of the risk of sharia reputation. Besides being influenced by internal and external factors of sharia banks, NPF can also be influenced by the financing contract (akad) used.This study analyzes the level of financing risk based on the contract. The population and sample are all Sharia Rural Banks in Indonesia with 167 secondary data in the form of the publication of financial statements for 2011-2018. Analysis of the data using quantitative descriptive methods with a survey approach. The analyzed data are NPF data based on an eight year financing contract. This study managed to obtain data that the BPRS is more interested in financing with certainty of results, proven that murabahah has the highest outstanding compared to other contract. The results of this study also indicate that the low risk contract is in the murabahah contract, while the contract with the medium risk is in the mudarabah, musyarakah, multijasa, qard and istisna and the contract with the highest risk is salam and ijarah contract.

scholarly journals ANALISIS IMPLEMENTASI PRINSIP BAGI HASIL, RISIKO DAN PENANGANAN PEMBIAYAAN BERMASALAH TERHADAP PEMBIAYAAN MUSYARAKAH DAN PEMBIAYAAN MUDHARABAH (STUDI KASUS:BANK SYARIAH MANDIRI KC MANADO)

2016 ◽  
Vol 5 (2) ◽  
pp. 207
Author(s):  
Kartika Soetopo ◽  
David P.E. Saerang ◽  
Lidia Mawikere
Keyword(s):  
Banking System ◽  
Secondary Data ◽  
Profit Sharing ◽  
Special Treatment ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Financing Risk ◽  
Conventional Banks ◽  
Branch Office ◽  
Two Sides

The banking system in Indonesia is conducted by the dual banking system where the system is divided into conventional and Islamic. Presence of Islamic banks has provided  investment alternatives without worrying about the risk the development of remuneration with an uncertain interest method. But on this implementation, Islamic banking requires special treatment  different from conventional banks, especially in terms of handling the risks and challenges faced by Islamic banks. The problem is how to implement the profit sharing of principal and risks and how the handling Non Performing Finance of the implementation the profit sharing. To answer the problems of research using qualitative methods by analyzing primary and secondary data so as to produce the results of interviews. The result of this study show that in musyarakah principle not much different from the mudharabah, that both a system of partnership between the two sides or more to administer a particular business with profit sharing corresponding portion (ratio) were agreed at the beginning of the agreement. On this Implementation Mudharabah and Musyarakah have a some differences. While the risk in financing the Musyarakah and mudharabah, especially on this the financing application, high relatively, among other side streaming, negligence and misconduct willful, concealment of profits by customers when customers are not honest. The amount of financing risk is shown in the ratio of non-performing finance (NPF). The high of NPF indicates the large number of borrowers who can’t repay their finance in accordance with the initial agreement that has been agreed between the bank and the customer, so financing becomes problematic. Funding problems can be caused by the bank itself, the customers or external parties. Bank Syariah Mandiri (BSM) Branch Office Manado has been anticipating the event of a dispute banking, especially in the provision of financing problems. On this theory of completion financing problems, be done with several measures including the rescue action by intensive bill, rescheduling, re-requirements and realignment. Rescue actions made by bank on this condition that the customer is still considered to have good faith to settle the payment. Keywords: Islamic Banking, Profit Sharing, Risk, and Financing Problems

scholarly journals Pengaruh Kecukupan Modal, Fungsi Intermediasi, Pembiayaan Bermasalah, dan Biaya Operasional Terhadap Profitabilitas Indusstri Bank Syariah Periode Januari 2010-Desember 2012

2015 ◽  
Vol 1 (2) ◽  
pp. 79
Author(s):  
Mega Ayu Maharanie ◽  
Sri Herianingrum
Keyword(s):  
Banking Industry ◽  
Secondary Data ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Islamic Banking ◽  
Sampling Techniques ◽  
Islamic Banks ◽  
Operational Cost ◽  
Significance Level ◽  
Capital Adequacy Ratio

The objectives of this research to analyze the influence of capital adequacy as measured by Capital Adequacy Ratio (CAR), intermediary functions as measured by Non Performing Financing (NPF), financial problems as measured by Financing to Deposit Ratio (FDR), and operational cost as measured by BOPO to profitability as measured by Return On Asset (ROA) of Islamic Banking Industry in the period of 2010-2012. The population used for the study is Islamic banks whose financial statements have been published to Bank Indonesia from 2010-2012. The sampling techniques is cencus sampling, so the sample in this study is every unit in a population. The data of this study used secondary data from the website of Bank Indonesia. The method of data analysis which was used is multiple linier regression analysis.From the result of analyse indicate that CAR, NPF, and BOPO variables has significantly affcet in partial toward ROA at level of significant less than 0,05, but only FDR variable has no significantly affect to the ROA. While, CAR, FDR, NPF, and BOPO variables in simultan has no affect to the ROA with a significance level of 0,000.

scholarly journals INDEPENDENT COMMISSIONER’S EXISTENCE AND EXPERTISE INFLUENCES ON INDONESIAN RURAL BANK’S CREDIT PERFORMANCE

2019 ◽  
Vol 3 (02) ◽  
pp. 91
Author(s):  
Nung Harjanto ◽  
Rahmawati Rahmawati
Keyword(s):  
Research Result ◽  
Secondary Data ◽  
The Other ◽  
Cross Sectional ◽  
Internal Governance ◽  
Significance Level ◽  
Central Java ◽  
Sample Data ◽  
Central Java Province ◽  
Special Region

<pre><em>Although the BPR's growth rate is very good, most BPRs </em><em>of</em><em> 1,184 (68%) </em><em>are </em><em>with limited core capital (CC) of less than IDR 6 billion</em><em>s</em><em>. </em><em>One of t</em><em>he main problem</em><em>s</em><em> with BPRs with core capital below IDR 6 billion</em><em>s</em><em> is that the </em><em>credit</em><em> performance</em><em>s</em><em> of those </em><em>Indonesian Rural Banks</em><em> tend to deteriorate</em><em>. In the other hand, </em><em>according to OJK in </em><em>POJK No.4/POJK.03/2015</em><em>, the existence of independent commissioner is only compulsory for BPRs with core capital IDR 50 billion</em><em>s</em><em>s</em><em> and above</em><em>. </em></pre><p><em>This research is concentrated to the empirically analyze of the worsening cause of the lack of governance, especially the effects of the existence of independent commissioner and independent commissioner’s expertise on the credit performance of BPRs with core capital below IDR 50 billions. Using purposive sampling, the sample data are taken from BPRs in Central Java Province and Yogyakarta Special Region Province. The secondary data related to these research variables are processed and analyzed by cross-sectional linear regression using SPSS </em><em>statistic</em><em> software </em><em>with</em><em> a significance level of 5%. This research result shows that independent commissioners' existence and independent commissioner’s expertise have positive significant effects on the credit performance of BPRs with core capital below IDR 50 billions.</em><em></em></p><strong><em>Keywords</em></strong><em>: Credit Performance, Expertise, Internal Governance, Independent Commissioner, and Rural Bank</em>

scholarly journals The Potential Labor Supply: A Cross-Sectional Estimation Method

1976 ◽  
Vol 8 (1) ◽  
pp. 143-147
Author(s):  
John R. Stoll
Keyword(s):  
Labor Force ◽  
Labor Force Participation ◽  
Economic Activity ◽  
Local Population ◽  
Estimation Method ◽  
Secondary Data ◽  
Participation Rate ◽  
Population Characteristics ◽  
Current Status ◽  
Cross Sectional

This paper addresses conceptual inadequacies of standard labor force and unemployment statistics for the purpose of representing relative stocks of available labor among regions. It attempts to rectify some of these inadequacies by applying relatively simple statistical adjustments. These are based on secondary data relating to local population characteristics and national participation rate norms.Current criteria used to determine labor force participation depend on solicited statements regarding attempts of an individual to secure employment, or his current status as a gainfully employed person. Using labor force participation as defined by these criteria, it has been observed that labor-force size varies directly with level of economic activity and demand for labor over time. During periods in which unemployment rises, the size of the labor force normally declines.

Sign in / Sign up

Export Citation Format

Share Document