The Effect of the Third Party Fund: Its Distribution and Fluctuation on the BOPO Growth at Commercial Foreign Exchange Banks in Indonesia

For comercial banks, funding activities include savings deposits and time deposits. Lending activities also include commercial papers, credits, inter-bank placement, and exchange rate. The study attempted to reveal the effects of such factors on the BOPO growth in commercial foreign exchange banks. It utilized secondary data from bank’s financial reports and exchange rate, during the first quarter 2006 to third quarter of 2011. The study is descriptive and the sampling technique of census was utilized with criteria for total assets. Four state-owned banks meet these criteria: PT. Bank CIMB Niaga Tbk., PT. Bank Danamon Tbk., PT. Pan Indonesia Tbk., and PT. Bank Permata Tbk. The analysis was done by performing mathematical calculations and statistics from various financial ratios that reflect the growth of savings products and their distribution. It shows that the saving deposits, time deposit, commercial papers, credits, inter-bank placement, exchange rate have no effect on Overhead Cost Operation (BOPO). The significance is at 13.5 percent. Among the independent variables, only commercial papers have significant effect on Overhead Cost Operation (BOPO). Commercial papers become the most dominant variable at 7.78 percent; the growth of securities variable contributes most to the growth of Overhead Cost Operation Ratio, especially for private national commercial banks.

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Pengaruh Kurs, Inflasi, Dana Pihak Ketiga (DPK), Pendapatan Bank, Capital Adequecy Ratio (CAR), Dan Non Performing Financing (NPF) Terhadap Tingkat Pengguliran Dana Bank Umum Syariah Non Devisa Periode 2014-2018

JURNAL EKSPLORASI AKUNTANSI ◽

10.24036/jea.v1i3.156 ◽

2019 ◽

Vol 1 (3) ◽

pp. 1472-1493

Author(s):

Lisa Marlina JN ◽

Mia Angelina Setiawan

Keyword(s):

Exchange Rate ◽

Foreign Exchange ◽

Commercial Banks ◽

Capital Adequacy ◽

Third Party ◽

Bank Capital ◽

Financial Reports ◽

Independent Variables ◽

The Third ◽

Capital Adequacy Ratio

This reseach aims to obtain empirical evidence of the effect of Exchange Rate, Inflation, Third Party Funds (TPF), Bank Revenues, Capital Adequacy Ratio (CAR), and Non Performing Financing (NPF) on Fund Revolving Levels in Non-Foreign Islamic Commercial Banks in Indonesia for the period 2014-2018. Data is obtained from quarterly financial reports taken from the website of each Non-Foreign Exchange Islamic Bank. The dependent variable in this study is the Fund Revolving Levels and the independent variables are the Effect of Exchange Rate, Inflation, Third Party Funds (DPK), Bank Revenues, Capital Adequecy Ratio (CAR), and Non Performing Financing (NPF). The result of this study is that the exchange rate has a positive and not significant effect on the Fund Revolving Levels of sharia bank. The inflation has a positive and significant effect on the Fund Revolving Levels of sharia bank.. The third party funds have a negative and significant effect on the Fund Revolving Levels of sharia bank. And than bank income, Capital Adequacy Ratio (CAR), and Non Performing Financing (NPF) have a negative and insignificant effect on the Fund Revolving Levels of sharia bank

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PENGARUH RASIO KEUANGAN TERHADAP PERUBAHAN LABA PADA PERUSAHAAN MANUFAKTUR YANG TERDAFTAR DI BURSA EFEK INDONESIA (BEI) TAHUN 2008-2011

Jurnal Akuntansi Trisakti ◽

10.25105/jat.v1i1.4802 ◽

2014 ◽

Vol 1 (1) ◽

pp. 60

Author(s):

Danny Oktanto ◽

Muhamad Nuryatno Amin

Keyword(s):

Significant Influence ◽

Sampling Method ◽

Secondary Data ◽

Sampling Technique ◽

Financial Ratios ◽

Manufacturing Companies ◽

Financial Reports ◽

Purposive Sampling ◽

Independent Variables ◽

Activity Ratios

The objective of this research is to examine the effect of financial ratios (proxied by liquidity ratios, solvency ratios, and the ratio of activity) to changes in earnings. Sample used is 55 manufacturing companies in listed in the Indonesian Stock Exchange’s between 2008-2011. Data used were secondary data from annual financial reports. The sampling technique used is purposive sampling method and the model analysis is multiple linier regression. The result indicated that not all independent variables showed significant influence on the dependent variable. Based on this research, solvency ratios and ratio of activity partially influenced to the changes in earnings, where as liquidity ratios doesn’t influence the change in earnings. Liquidity Ratios, Solvency Ratios, and Activity Ratios are used together have a significant impact on the change in earnings.

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IMPACT COVID-19 TERHADAP RENTABILITAS BANK PERKREDITAN RAKYAT KONVENSIONAL DI KABUPATEN SUKOHARJO

Jurnal Bisnis dan Akuntansi ◽

10.34208/jba.v23i1.927 ◽

2021 ◽

Vol 23 (1) ◽

pp. 165-178

Author(s):

POERNANINGRUM SEKAR WARDHANI ◽

ISMUNAWAN ISMUNAWAN

Keyword(s):

Financial Services ◽

Quantitative Methods ◽

Secondary Data ◽

Sampling Technique ◽

Financial Reports ◽

Financial Report ◽

Independent Variables ◽

Net Interest Margin ◽

Study Population ◽

Report Data

The purpose of this study was to determine the effect of the Covid-19 pandemic as measured using the ratio of NPL (Non Performing Loan), BOPO, LDR (Loan Deposit Ratio), and NIM (Net Interest Margin) as independent variables on rentability measured using the ROA (Return) ratio. on Assets) as the dependent variable on conventional rural banks in Sukoharjo district. The study population was 16 BPR registered with the Financial Services Authority. From this population, 12 samples were taken that met the criteria of the purposive sampling technique. The object of research is the BPR quarterly financial reports for 2019-2020, which consist of 4 quarters in 2019 and 3 quarters in 2020. Data collection techniques use indirect observation, which is to collect financial report data through the official website www.ojk.go.id. Quantitative methods with secondary data are the methods used in research. Data analysis used multiple linear regression with SPSS 19 application. This study resulted that the NPL, LDR, and NIM variables partially did not have a significant effect on ROA, while BOPO partially had a significant effect on ROA. However, if simultaneously the four independent variables have a significant effect on ROA.

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

Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) ◽

10.52490/jeskape.v5i1.1189 ◽

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.

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The Determinants of Musharaka Financing in Indonesia

Jurnal Ekonomi & Studi Pembangunan ◽

10.18196/jesp.v22i1.10118 ◽

2021 ◽

Vol 22 (1) ◽

pp. 37-47

Author(s):

Ayif Fathurrahman ◽

Abriani Sita Devi

Keyword(s):

Exchange Rate ◽

Exchange Rates ◽

Commercial Banks ◽

Quantitative Data ◽

Linear Regression Analysis ◽

Secondary Data ◽

Multiple Linear Regression Analysis ◽

Third Party ◽

Return On Assets ◽

Independent Variables

The purpose of this study is to determine the determinants of Musharaka Financing in Islamic commercial banks in Indonesia, which was carried out using secondary data or quantitative data from the period of January 2015 to August 2019. The model used to analyze the results of this regression was the Multiple Linear The dependent variable used in the object of this study was musharaka financing, while the independent variables used in this study consisted of inflation, exchange rates (exchange rates), Return on Assets (RoA), and third-party funds. From the results of the multiple linear regression analysis that has been processed, it can be explained that simultaneously the inflation, exchange rates (exchange rates), RoA, and TPF have a significant effect on Musharaka Financing. However, partially the exchange rate (exchange rate), RoA and TPF have a positive and significant effect on Musharaka financing, while inflation has a positive and insignificant effect on musharaka financing at Islamic Commercial Banks in Indonesia

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PENGARUH JASA PELAYANAN FREIGHT FORWARDING TERHADAP KEPUASAN PELANGGAN

JURNAL SAINS DAN TEKNOLOGI MARITIM ◽

10.33556/jstm.v0i1.186 ◽

2018 ◽

Author(s):

Andar Sri Sumantri ◽

Radix Nugrahanto

Keyword(s):

Customer Satisfaction ◽

Service Quality ◽

Secondary Data ◽

Sampling Technique ◽

Positive Influence ◽

Linear Regression Equation ◽

Independent Variables ◽

Freight Forwarder ◽

Freight Forwarding ◽

A Company

Customer is an important factor for the survival of a company. At a time, company sometimes didn’t know the level of customer satisfaction. If the company continues with this situation, the company would not know the next strategies to develop the company. There are many factors that connected with customer such as trust, facility and service quality. This research objective is to analyze if there is a positive influence, both individually and simultaneously between independent variables which are trust, facility and service quality to the dependent variable which is customers. In this research the object are the customers of PT Panah Persada Logisindo Semarang. The data sources are primary and secondary data using sampling technique of 80 respondents. The results of multiple linear regression equation show that there is a positive influence and partial significant between (t= 3,543 > ttebal = 1, 99167) Trust, (t=4,976 >ttebal=1,99167 ) Facility and (t =3,908 > ttebal= 1, 99167) Service Quality effected by customer satisfaction.Keywords: Trust, Facility, Service Quality, Customer SatisfactionKepuasaan Pelanggan merupakan faktor penting terhadap kelangsungan hidup sebuah perusahaan. Masalah yang dihadapi perusahaan saat ini berkaitan dengan tidak diketahuinya kepuasaan Pelanggan setiap tahun, Jika ini dibiarkan terus menerus, perusahaan tidak dapat menentukan strategi untuk meningkakan kepuasaan pelanggan. Ada banyak faktor yang mempengaruhi Kepuasaan Pelanggandipengaruhi oleh kepercayaan, fasilitas dan Kualitas Pelayanaan. Perumusan masalah, tujuan penelitian dan hipotesis pada latar belakang masalah dan tujuan penelitian ini untuk menganalisis adakah pengaruh yang positif baik secara individual dan simultan antara variabel independen yaitu kepercayaan, fasilitas, kualitas pelayanaan terhadap variabel dependen yaitu Kepuasaan Pelanggan. Pada penelitian ini obyek yang diambil pengguna jasa Freight forwarder PT Panah Persana Logisindo Semarang Sumber data meliputi data primer dan sekunder. Sampel pada penelitian ini adalah 80 responden teknik sampling yang digunakan seluruh populasi dijadikan sample. Berdasarkan hasil penelitian dan analisis berganda dihasilkan persamaan : Hasil persamaan regresi linear berganda menunjukkan bahwa ada pengaruh yang positif dan signifikan secara parsial antara ( t hitung = 3,543> t tabel = 1,99167) kepercayaan, (t hitung4,976 > t tabel =1,99167) Fasilitas ( t hitung = 3,908> t tabel = 1,99167) Kualitas pelayanaan terhadap Kepuasaan Pelanggan.Kata kunci : Kepercayaan, Fasilitas, Kualitas Pelanggan. Kepuasaan Pelanggan

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PENGARUH FAKTOR-FAKTOR INTERNAL TERHADAP PROFIT DISTRIBUTION MANAGEMENT (PDM) PADA BANK UMUM SYARIAH DI INDONESIA

JURNAL ILMIAH AKUNTANSI UNIVERSITAS PAMULANG ◽

10.32493/jiaup.v8i2.4730 ◽

2020 ◽

Vol 8 (2) ◽

pp. 173

Author(s):

Tri Utami ◽

Sri Rezeqi

Keyword(s):

Commercial Banks ◽

Sampling Technique ◽

Profit Sharing ◽

Third Party ◽

Operational Cost ◽

Financial Reports ◽

Distribution Management ◽

Operating Income ◽

Profit Distribution ◽

Financing Risk

This study aims to analyze the factors that affect the Profit Distribution Management (PDM) using the variable Proportion of Third Party Funds (PDPK), Provision for Earning Asset Losses (PPAP), Operational Cost of Operating Income (BOPO) and Financing Risk (RP) at Commercial Banks. Sharia in Indonesia. The period of this research is the first quarter of 2016 to the fourth quarter of 2018. This type of research is descriptive analysis with quantitative research methods. The data source used is in the form of secondary data and obtained from the Financial Services Authority (OJK) in the form of Islamic Commercial Bank (BUS) quarterly financial reports consisting of 12 Islamic Commercial Banks (BUS) from 2016 to 2018. The data used from these financial reports are reports Profit Sharing Distribution, Financial Position Report, Income Statement, Earning Asset Quality Report and Financial Ratio. The sampling technique used in this research is purposive sampling technique. This study uses panel data regression analysis using Eviews software version 9.5 The results of this study indicate that the Proportion of Third Party Funds (PDPK), Allowance for Earning Asset Losses (PPAP), Operational Cost of Operating Income (BOPO) and Financing Risk (RP) simultaneously affect the Profit Distribution Management (PDM). Meanwhile, partially, the proportion of third party funds (PDPK), operational costs operating income (BOPO) and financing risk (RP) have a significant negative effect on Profit Distribution Management (PDM). Meanwhile, Provision for Earning Asset Losses (PPAP) has no effect on Profit Distribution Management (PDM).

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PENGARUH KUALITAS LAYANAN TERHADAP KEPUASAN PASIEN RAWAT INAP PADA RSUD KABUPATEN BANGGAI KEPULAUAN

Jurnal Ilmu Manajemen Universitas Tadulako (JIMUT) ◽

10.22487/jimut.v1i2.17 ◽

2015 ◽

Vol 1 (2) ◽

pp. 151-164

Author(s):

Magvira Alia ◽

Nirwan Nirwan ◽

Suardi Suardi

Keyword(s):

Patient Satisfaction ◽

General Hospital ◽

Significant Influence ◽

Secondary Data ◽

Sampling Technique ◽

Primary Data ◽

Purposive Sampling ◽

Independent Variables ◽

Physical Evidence

The study intends to determine simultaneous and partial influence of service quality (X) consisting of physical evidence (X1), reliability (X2), responsiveness (X3), assurance (X4), and empathy (X5) on patient satisfaction (Y) in the General Hospital of Banggai Islands, where the study is located. The type of research is descriptive. Sources of data is primary data retrieved from questionnaires and secondary data obtained from documents of the Regional General Hospital Banggai Islands. The sample consists of 72 respondents. The sampling technique used is purposive sampling. Based on the results, it is shown that the quality of service (X), consisting of physical evidence (X1), reliability (X2), responsiveness (X3), assurance (X4), and empathy (X5) simultaneously have significant influence on patient satisfaction (Y) of 69.60% while the remaining 30.40% is influenced by other causes. Partial test shows that there are three independent variables: physical evidence (X1), reliability (X2) and assurance (X4) that have non-significant influence to the patients’ satisfaction at the General Hospital of Banggai Islands.Tujuan dari penelitian ini adalah untuk mengetahui pengaruh kualitas layanan (X) yang terdiri dari bukti fisik (X1), reliabilitas (X2), responsivitas (X3), jaminan (X4), dan empati (X5) secara simultan dan parsial terhadap kepuasan pasien. (Y) di Rumah Sakit Umum Kepulauan Banggai. Lokasi penelitian ini di Rumah Sakit Umum Kepulauan Banggai. Jenis penelitian ini bersifat deskriptif. Sumber data dalam penelitian ini adalah data primer yang diambil melalui kuesioner dan data sekunder diperoleh dari Rumah Sakit Umum Daerah Banggai. Sampel dalam penelitian ini adalah 72 responden. Teknik sampling yang digunakan adalah purposive sampling. Berdasarkan hasil penelitian menunjukkan bahwa variabel kualitas pelayanan (X) yang terdiri dari bukti fisik (X1), reliabilitas (X2), responsivitas (X3), jaminan (X4), dan empati (X5) secara simultan berpengaruh signifikan terhadap kepuasan pasien (Y) dengan pengaruh 69,60% sedangkan sisanya 30,40% dapat dijelaskan oleh penyebab lainnya. Uji parsial menunjukkan bahwa terdapat tiga variabel bebas yang tidak signifikan yaitu bukti fisik (X1), reliabilitas (X2) dan jaminan (X4) terhadap kepuasan pasien di Rumah Sakit Umum Kepulauan Banggai.

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PENGARUH INFLASI DAN KURS TERHADAP UJRAH DALAM PEMBIAYAAN MUSYARAKAH MUTANAQISAH PADA PT. BANK MUAMALAT INDONESIA, TBK CABANG PEMATANGSIANTAR

Studia Economica : Jurnal Ekonomi Islam ◽

10.30821/se.v1i1.234 ◽

2015 ◽

Vol 1 (1) ◽

pp. 86

Author(s):

Nuri Aslami

Keyword(s):

Regression Analysis ◽

Exchange Rate ◽

Linear Regression Analysis ◽

Field Research ◽

Secondary Data ◽

Financial Statements ◽

Multiple Linear Regression Analysis ◽

Independent Variables ◽

Qualitative Approaches ◽

Independent Variable

This study aims to determine how the effects of inflation and exchange rate against ujrah, musyarakah, mutanaqisah PT Bank Muamalat Indonesia, Tbk Branch Pematang Siantar. This research is a field research using quantitative and qualitative approaches. The data used are secondary data, ie., data obtained from the Central Statistics Agency report, Report of Bank Indonesia, and the financial statements of PT Bank Muamalat Indonesia, Tbk Branch Pematang Siantar. The data were processed using SPSS 16. The analysis used is multiple linear regression analysis. The results showed that the inflation and the exchange rate (the independent variable) affects ujrah in Musharakah financing mutanaqisah (dependent variable). The independent variables in this study could explain the change by 3.4% and the rest (96.6%) is explained by other variables beyond the variables used. Partially, the level of significant 5% and t table of 2034, inflation and exchange rate does not significantly affect the Musharakah financing ujrah mutanaqisah. This is demonstrated by the t value inflation of 0. 489 and texchange rate of 0899.

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Analisis pengaruh makroekonomi terhadap dana pihak ketiga (DPK) dengan equivalent rate (ER) sebagai variabel intervening

JURNAL EKONOMI DAN BISNIS ISLAM ◽

10.32505/j-ebis.v6i2.3356 ◽

2021 ◽

pp. 100-123

Author(s):

Salma Firdayanti Salma ◽

Yusvita Nena Arinta Nena

Keyword(s):

Exchange Rate ◽

Quantitative Research ◽

Time Series Data ◽

Secondary Data ◽

Third Party ◽

Series Data ◽

Equivalent Rate ◽

Negative Effect ◽

Party Funding

This study aims to determine the Effect of Macroeconomics on Third-Party Funding (TPF) with the Equivalent Rate (ER) as the Intervening Variable (Case Study of Islamic Commercial Banks Period 2016-2020). This type of research is quantitative research which utilizes secondary data in the form of time-series data. Purposive sampling was used as the sampling method. The data that has been obtained later processed using the E-views version 9 application tool. Based on the results, it is shown that the Inflation, BI Rate, and Equivalent Ratevariables partially have a negative effect on TPF, while the Exchange Rate has a positive effect on TPF. Moreover, the variables of Inflation, Exchange Rate, and BI Rate have a positive and significant effect on the Equivalent Rate (ER). It is also found thatThe Equivalent Rate variable cannot mediate the effect of Inflation, Exchange Rate, and BI Rate on TPF.

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