PENGARUH JUMLAH DANA PIHAK KETIGA (DPK) NON PERFOMING FINANCING (NPF) DAN SERTIFIKAT BANK INDONESIA SYARI’AH (SBIS) TERHADAP PENYALURAN PEMBIAYAAN PERBANKAN SYARI’AH DI INDONESIA

2019 ◽  
Vol 2 (2) ◽  
pp. 1-21
Author(s):  
Arif Rijal Anshori
Keyword(s):  
Statistical Tests ◽  
Secondary Data ◽  
Third Party ◽  
Islamic Banking ◽  
Islamic Banks ◽  
The Public ◽  
Normality Test ◽  
Source Data ◽  
Scientific Truth

Banking is a very important part in the economy, one of them as intermediary institutions whose duty to collect funds from the public and then channel them back in the form of financing.This study aims to determine the effect Number of DPK, NPF and SBIS partially to finance portfolio of Islamic banking in Indonesia, and to determine the effect Number of DPK, NPF and SBIS simultaneously to the finance portfolio of Islamic banking in Indonesia.This study proceed from the assumption that (1) the size distribution of the funds offered by Islamic banks is very influenced by the size DPK means that the higher the number of third-party funds collected, the higher also finance portfolio, (2) the higher non-performing financing the worse the quality of banking assets, (3) the higher the bonus level set SBIS Indonesian bank will lower the financing undertaken by the banking Shari'ah. But based on data from Islamic banking statistics from the years 2008-2014 there is a gap between theory and facts on the ground. These assumptions are tested empirically so that the truth can be scientifically recognized. When there is a justification or rejection of these assumptions, then this is a scientific truth that can be considered Islamic banking in Indonesia.Quantitative research methods in this study using research formats explanation, source data used in this research is secondary data, then the type of data used in this research is quantitative data time series, the quarterly data of financing, deposits, NPF and SBIS Islamic banking in Indonesia from 2008 to 2014. Data were then processed by means of statistical analysis using Eviews 7, which comprises the classical assumption of them: normality test, heteroscedasticity, multicollinearity test, autocorrelation test. statistical tests include: regression, t test, F test and R2.The conclusion that can be drawn from this study that partially, DPK variable is positive and significant effect on the financing, NPF variable is negative but not significant effect on the financing, while SBIS is negative and significant effect on the financing. Then simultaneously the number of DPK, NPF and SBIS significant effect on the distribution of funding. Those variables could explain freely by 99.45% and the remaining 0.55% can be explained by other variables not examined.

scholarly journals Forecasting the Development of Islamic Bank in Indonesia: Adopting ARIMA Model

2020 ◽  
Vol 4 (2) ◽  
pp. 190
Author(s):  
Ahmad Syarif
Keyword(s):  
Banking Industry ◽  
Moving Average ◽  
Arima Model ◽  
Secondary Data ◽  
Third Party ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Estimation Model ◽  
Financial Service Authority ◽  
Good Reputation

Financial activities that are often carried out by people in developed and developing countries. Banks can collect public funds directly from customers, then distribute them to the public. Islamic banks still have a good reputation in the community so that the assets and third party funds of Islamic commercial banks grow. This is also reinforced by public optimism due to regulation of Banking Synergy in One Ownership for the development of Islamic Banking. The purpose of this study is to forecast the growth of Islamic banking after the implementation of banking synergy regulations in one ownership as an effort to increase the efficiency of the Islamic banking industry. This study used the secondary data all of  the Islamic Banks in Indonesia from Financial Service Authority by Autoregressive Integrated Moving Average (ARIMA) period 2015-2019 as the estimated data and 2020-2022 as the forecasting data in quarter. This study used two variables, asset and third-party fund, to estimate the best model. The result shows ARIMA (0,1,1) has the small AIC and significant value as best estimation model. The growth of Islamic banks in 2020 will increase by 7.4 % in assets and 7.3 % by the end of 2022 to IDR 437 trillion. Meanwhile, third party funds by the end of 2022 will increase by 8 % with total third party funds of IDR 361 trillion. Banking Synergy in One Ownership Order has the potential to increase the effectiveness and the efficiency of the Islamic Banking Industry at future. 

scholarly journals PENGARUH KUALITAS PEMBIAYAAN TERHADAP EFEKTIVITAS PENDAPATAN (Studi Kasus di BMT Artha Barokah Yogyakarta 2012)

2016 ◽  
Vol 5 (1) ◽  
pp. 33
Author(s):  
Amrizal Putra ◽  
Ahmad Yunadi
Keyword(s):  
Linear Regression ◽  
Statistical Tests ◽  
Secondary Data ◽  
Third Party ◽  
Test Analysis ◽  
Customer Data ◽  
Ability To Pay ◽  
The Public ◽  
Independent Variables ◽  
Classical Linear Regression

Abstract KJKS BMT is an institution that serves as an intermediary (Intermediary Institution) fi nancial, KJKS BMT third -party funds to the public. Among them are mudharabah and Musharaka. The background of this research is that the prospects of the business, customer performance, and the ability to pay is a factor that is used to measure the effectiveness of customer revenue Artha Barokah BMT. This study was conducted to determine whether the business prospect, customer performance, and the ability to pay affect the revenues of the BMT Artha Barokah customers. Type of research is a fi eld (fi eld reserch) with documentation of data collection methods, because the data used in this study is secondary data obtained from the customer data is fi lled directly. The analytical tool used is multiple linear regression testing using classical linear regression aberration test and statistical tests . Results of t test analysis showed that each of the independent variables signifi cantly affect the revenues of customers in BMT Artha Yogyakarta blessing . In the F test shows that the performance of the independent variables and the ability of customers to pay a signifi cant effect while the prospects do not signifi cantly infl uence customers’ budget revenues. The determinansi coeffi cient ( R ² ) of 0.440 , which means that the budget revenue on customer BMT Artha Barokah able to be explained by the independent variables was 44.0 % and the remaining 56.0 % is infl uenced by other variables outside the model of this study Keywords: BMT, Financing Quality, The Effectiveness of Income

scholarly journals Fund Ownership of Sharia Banking According to Islamic Economic Political Perspective

2021 ◽  
Vol 5 (2) ◽  
pp. 113
Author(s):  
Muhamad Izazi Nurjaman
Keyword(s):  
Third Party ◽  
Islamic Banking ◽  
Islamic Banks ◽  
The Public ◽  
Political Perspective ◽  
Economic Politics ◽  
Using Data ◽  
Islamic Economic ◽  
The Right ◽  
Ownership Rights

The concept of ownership in Islamic economics states that individuals or legal entities that have the right to ownership of a property may use it freely as long as it does not violate Islamic economic principles and the public interest. However, for Islamic banking, the ownership of funds used as business capital comes from investor customers who deposit their funds in Islamic banks. This has an effect on the ownership status of these funds. This article uses a descriptive literature research method taken from various factual references with a focus on using a normative juridical approach. This type of research is qualitative research using data analysis through several steps such as focusing data, presenting funds and drawing conclusions. The results of this study reveal the fact that the ownership rights of funds in Islamic banking are sourced from the first party funds as the bank's founder, the second party funds as shareholders and third party funds as investor customers. Ownership of these funds cannot be separated from the contract mechanism used. So that the contract used is the cause of Islamic banks having ownership rights to use these assets for business activities. The use of these funds is guaranteed by law, which shows the role of Islamic economic politics through the legal umbrella that regulates the operational system of Islamic banking, especially in the permitting of the use of investor funds for business activities through the mechanism of channeling funds and service mechanisms.

scholarly journals Financial Literature And Interest Of Aceh People In Transactions In Sharia Financial Institutions Post Implementation Of Qanun Sharia Financial Institutions In Aceh

2021 ◽  
Vol 22 (1) ◽  
pp. 79-84
Author(s):  
Mai Simahatie ◽  
Marliyah Marliyah ◽  
Zulkifli Yusuf
Keyword(s):  
Financial Institutions ◽  
Financial Literacy ◽  
Secondary Data ◽  
Third Party ◽  
Public Understanding ◽  
Islamic Banking ◽  
The Public ◽  
Economic Progress ◽  
Islamic Financial Institutions ◽  
High Level

Financial literacy is a very important element of knowledge for the economic progress of a country because it is closely related to public interest, the higher the level of public financial literacy, the easier it is for the financial system to be accepted in the community to be implemented and contribute to the economic growth of a region, because with The high level of financial literacy in the community, the easier it will be for financial institutions to provide financial access to the public. the enactment of qanun no 11 of 2018 regarding Islamic financial institutions in Aceh has begun since January 4, 2019, all financial institutions in Aceh. In this study, the data used is secondary data obtained from scientific references as quoted from journals, books texts, working papers, national and international scientific forums and other sources deemed relevant to this research. the results of the research and discussion, it can be concluded that nationally the financial literacy of the Indonesian people is still relatively low, but for the Aceh region itself it is higher than the level of public understanding of sharia finance in Aceh which is above the average public understanding of sharia banking nationally. The interest of the Acehnese people in transacting in Islamic banking is currently increasing, as can be seen from the increasing graph in terms of assets, financing, and third party funds, especially in 2021.

scholarly journals PENGARUH FINANCING TO DEPOSIT RATIO (FDR), DANA PIHAK KETIGA (DPK) DAN RETURN ON ASSET (ROA) TERHADAP PEMBIAYAAN MUSYARAKAH

2018 ◽  
Vol 2 (02) ◽  
Author(s):  
Djoko Sigit Gunanto ◽  
Suprihati Suprihati ◽  
Firma Windi Aristi
Keyword(s):  
Quantitative Data ◽  
Secondary Data ◽  
Test Method ◽  
Third Party ◽  
P Value ◽  
Islamic Banking ◽  
Data Types ◽  
Return On Assets ◽  
Financial Reports ◽  
Normality Test

This study aims to determine the effect of Financing To Deposit Ratio (FDR), Third Party Funds (TPF) and Return on Assets (ROA) on musyarakah financing on Bank Syariah Mandiri from 2010-2017 both partially and simultaneously. This study uses quantitative data types. The data used uses secondary data obtained from quarterly financial reports. The method used in this study is to use the classic assumption test method where the Classic Assumption test consists of four tests namely Normality test, Multicollinearity test, Heterocedasticity test and Autocorrelation test in addition to using the Classical Assumption test, in this study also uses the test with data analysis from the analysis Multiple linear regression and using t test or partial test and F test or test simultaneously or together. The population in this study is Islamic banking, namely Bank Syariah Mandiri in 2010-2017 as many as 32 taken by purposive sampling. The results showed that the variables that affect Musyarakah financing are variables Financing To Deposit Ratio (FDR) with a P-value of 0,000 where this value is greater than 0.05 and the value of t count is -4.916 where this value is greater than the value of t table namely 2,0484 and Third Party Funds with a P-value of 0,000 where this value is greater than 0.05 and the value of t count is 4,559 is greater than the ttable value of 2,0484 while the variable that has no effect on musyarakah financing is the Return on Asset variable (ROA) with a P-value of 0.428 where this value is greater than 0.05 and tcount is smaller than t table where the value of t count is 0.805 and the value of t table is 2.0484. Simultaneously all variables namely FDR, DPK and ROA jointly influence Musyarakah financing on Bank Syariah Mandiri (BSM) in 2010-2017 with a significance value of 0,000 where the sig value is smaller than 0.05 while the Fcount value is greater than Ftable value where Fcount value is 25,160 while Ftable value is 2,95. Keywords: Financing To Deposit Ratio (FDR), Third Party Funds (DPK), Return on Assets (ROA), musyarakah

scholarly journals Pengaruh Kualitas Penerapan Good Corporate Governance dan Risiko Pembiayaan terhadap Profitabilitas Perbankan Syariah

2014 ◽  
Vol 1 (2) ◽  
pp. 134-149 ◽  
Author(s):  
Ferly Ferdyant ◽  
Ratna Anggraini ZR ◽  
Erika Takidah
Keyword(s):  
Corporate Governance ◽  
Secondary Data ◽  
Total Sample ◽  
Negative Influence ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Self Assessment ◽  
Return On Assets ◽  
Good Corporate Governance

The purpose of this research is to analyze the influence of the quality of the implementation of good corporate governance toward profitability of Islamic Banks and analyze the influence of non performing finance toward profitability of Islamic Banks. This research used secondary data from financial statements published by Bank Indonesia and Annual Report GCG in 2010-2013. The Techniques used for sampling is purposive sampling and obtained by 10 Islamic Banks with a total sample of 39 Islamic Banks. Profitability ( Dependent Variable ) in this research is proxied by Return on Assets ( ROA) .While the Independent Variable is The Quality Implementation of Good Corporate Governance obtained from Composite GCG Self Assessment Report Annual Islamic Banking, and Financing Risks are proxied by the Non -Performing Finance ( NPF ). The influence of the three variables and relationships are tested using multiple regression analysis.  T-test SPSS results showed that the quality of the implementation of Good Corporate Governance has negative influence and significant toward profitability of Islamic banking. Non-Performing Finance has negative influence and significant toward profitability of Islamic banking. While the F-test SPSS results showed Implementation of Good Corporate Governance and Quality of Non-Performing Finance has negative influence and significant toward profitability of Islamic banking. Thus, this hypothesis is proven.The purpose of this research is to analyze the influence of the quality of the implementation of good corporate governance toward profitability of Islamic Banks and analyze the influence of non performing finance toward profitability of Islamic Banks. This research used secondary data from financial statements published by Bank Indonesia and Annual Report GCG in 2010-2013. The Techniques used for sampling is purposive sampling and obtained by 10 Islamic Banks with a total sample of 39 Islamic Banks. Profitability ( Dependent Variable ) in this research is proxied by Return on Assets ( ROA) .While the Independent Variable is The Quality Implementation of Good Corporate Governance obtained from Composite GCG Self Assessment Report Annual Islamic Banking, and Financing Risks are proxied by the Non -Performing Finance ( NPF ). The influence of the three variables and relationships are tested using multiple regression analysis.  T-test SPSS results showed that the quality of the implementation of Good Corporate Governance has negative influence and significant toward profitability of Islamic banking. Non-Performing Finance has negative influence and significant toward profitability of Islamic banking. While the F-test SPSS results showed Implementation of Good Corporate Governance and Quality of Non-Performing Finance has negative influence and significant toward profitability of Islamic banking. Thus, this hypothesis is proven.

scholarly journals Analysis of Factors Affecting Liquidity of Islamic Banking Listed on the Indonesia Stock Exchange

2021 ◽  
Vol 4 (1) ◽  
pp. 47-61
Author(s):  
Wiwin Yustina ◽  
Tulus Suryanto ◽  
Heni Noviarita ◽  
Erike Anggraeni
Keyword(s):  
Stock Exchange ◽  
Secondary Data ◽  
Financial Statements ◽  
Third Party ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Optimal Position ◽  
Factors Affecting ◽  
Final Sample ◽  
Banking Institutions

The purpose of this study is to investigate the effect of Non-Performing Financing, Third Party Funds, Financial To Funding Ratio, Macroprudential Intermediation Ratio and Macroprudential Liquidity Buffer on the liquidity of Islamic Banking listed on the Indonesia Stock Exchange List in the 3rd and 4th quarters of 2018 to the 1st and 2nd quarters of 2018. 2019. The research design used is a quantitative approach. The data analyzed is secondary data in the form of quarterly banking financial statements listed on the Indonesia Stock Exchange List for the 3rd and 4th quarters of 2018 to 1st and 2nd quarters of 2019, data for each bank. The population in this study were 15 Islamic banks listed on the Indonesia Stock Exchange List during the study period, with a sample of 12 Islamic banks during 4 quarters of observation, so that the final sample was 48 observational data. The results of the study show that the variables of Non Performing Financing, Financial To Funding Ratio have an influence on the liquidity of Islamic banking. While other variables, namely Third Party Funds, Macroprudential Intermediation Ratio and Macroprudential Liquidity Buffer, have no effect on the liquidity of Islamic Banking. Liquidity management in banking institutions is one aspect that becomes a top priority. Liquidity is a condition where banks are able to meet their obligations as they fall due and banks are able to meet the demand for funds by customers. Banks must be able to maintain their liquidity level in a safe and optimal position in accordance with the bank soundness level parameters set by Bank Indonesia.

scholarly journals PENGARUH DANA PIHAK KETIGA DAN PEMBIAYAAN TERHADAP PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA PERIODE 2014-2018

2019 ◽  
Vol 11 (1) ◽  
pp. 1-20
Author(s):  
Alimatul Farida
Keyword(s):  
Commercial Banks ◽  
Linear Regression Analysis ◽  
Secondary Data ◽  
Financial Statements ◽  
Multiple Linear Regression Analysis ◽  
T Test ◽  
Third Party ◽  
Islamic Banks ◽  
The Public ◽  
Islamic Financial Institutions

Islamic banks are Islamic financial institutions whose main activities are collecting funds from the public or so-called third party funds and channeling them back to the public in the form of financing based on sharia principles with a certain margin so that Islamic banks can obtain profits or profits. The greater the third party funds raised and financing that is distributed, the greater the profit to be obtained. The purpose of this study is to determine whether third party funds and financing have a significant effect on the profitability of Islamic Commercial Banks in Indonesia for the 2014-2018 period. This type of research is a quantitative study using secondary data in the form of financial statements of several Sharia Commercial Banks in Indonesia and data analysis using multiple linear regression analysis methods. The results of this study indicate that partially Third Party Funds have no significant effect on the profitability of Sharia Commercial Banks in Indonesia with evidence of the results (t test) it is known that a significant value> 0.05 is equal to 0.411 and t count value <t table that is equal to 0.837 <2.069 . Financing also has no significant effect on the profitability of Sharia Commercial Banks in Indonesia with evidence of the results (t test) it is known that a significant value> 0.05 is equal to 0.274 and the calculated t value <t table is equal to -1,123 <2,069. While simultaneously Third Party Funds and Financing have a significant effect on the profitability of Sharia Commercial Banks in Indonesia with evidence of the results (F test) it is known that a significant value <0.05 is equal to 0.047 and a calculated F value> F table that is equal to 3.516> 3.44.

scholarly journals Market Share Islamic Banking In Indonesia

2019 ◽  
Vol 8 (1) ◽  
pp. 124-137
Author(s):  
Zulfikar Hasan
Keyword(s):  
Market Share ◽  
Secondary Data ◽  
Descriptive Study ◽  
Islamic Finance ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Banking Regulations ◽  
Banking Market ◽  
Conventional Banks

At the end of 2016, the Islamic banking market share stood at 356.5 trillion Indonesian rupiahs ($26.7 billion), equivalent to 5.03 per cent of the total banking sector’s assets. Islamic banking assets have risen faster year-on-year compared to conventional banking, registering a growth of 8.8 per cent in 2015 and 20.3 per cent in 2016. The performance of the Islamic banking industry in Indonesia has yet to satisfy the public’s expectations. Although with a market of more than 200 million Muslims, Islamic banks in Indonesia still face difficulties luring more customers and increasing their assets. For three consecutive years, the market share of the sharia banks in the country stood still at less than 5 per cent. According to the Global Advisors Islamic Finance Outlook Report for 2016, no Indonesian Islamic banks were ranked in the top five largest banks based on assets in Southeast Asia. This is an alarming situation for the industry and regulators. Thus, it evokes a question: Is the market becoming saturated for Islamic finance? This study aims to determine the factors that affect the market share of Islamic banks in Indonesia. With a focus on four main items, Islamic banking regulations, Islamic banking inclusion and literacy are still low from conventional banks, Islamic banking still does not have sufficient capital and the number and quality of Human Resources (HR) that are inadequate. This study uses an analytical descriptive study is to describe and analyzed data obtained based on primary and secondary data. While the method used is normative and focused on the study of literature, which is then analyzed qualitatively juridical.

scholarly journals PENGARUH PEMBIAYAAN MURABAHAH PERIODE 2006:1 – 2013:4

Media Ekonomi ◽  
2014 ◽  
Vol 22 (3) ◽  
pp. 195
Author(s):  
Mustika Ananda Putri ◽  
Trikunawangsih ,
Keyword(s):  
Time Series Data ◽  
Secondary Data ◽  
T Test ◽  
Third Party ◽  
Series Data ◽  
Islamic Banking ◽  
Paired Samples ◽  
Normality Test ◽  
Time Period ◽  
Positive Effect

<p><em>This research examines the effect of variables consisting of Third Party Fund, Non Performing Fi­nancing, Inflation, Islamic Certificate of Bank Indonesia  against Murabahah on Islamic Banking in Indonesia. This study uses secondary data regularly (time series data) with the selected time period is the quarter in the period 2006-2013. The required data from Bank Indonesia.</em><em> </em><em>The methodology used in this study is multiple regressionClassic OLS. Based on the classic assumption test, a variable that is used to qualify Classical assumption test. Neither Heteroskedasticity Test, Multicolline­arity Test and Normality Test.</em><em> </em><em>Results of testing the hypothesis by using one sample t-test and paired samples t-test proved that there is variables that influence positively, namely DPK, NPF, and inflation. The SBIS positive effect but not signifi­cant.</em></p>

Sign in / Sign up

Export Citation Format

Share Document