Pub Date : 2016-12-31DOI: 10.19109/ifinance.v2i1.1007
Titin Titin
The development islamic banking from year to year continues to increase. This is evidenced by the financial performance of Islamic banks continue to increase from year to year where the financial performance measurement is calculated using ratio analysis. An assessment of the bank's financial performance in efficiency and productivity levels are conducted regularly on the basis of management reports and financial statements that are mirror achievement. This study was to determine the influence of operating expenses and operating income (ROA) to profitability Islamic Banking from 2012 to 2014 year. This study uses data time series over the past three years, so that the population in this study as well as a sample research. choosing samples used sampling technique in which non-probability selection carried out by a sampling method that is saturated sampling technique when all members of the population used as a sample. BOPO results showed a significant negative effect on profiabilitas Islamic banking in Indonesia because of the results obtained regression coefficient of -0075 showing the negative direction so BOPO negative effect on ROA and the significant value of 0.000 means that less than 0.05. Due to the significance level of less than 0.05 and the t (-4.371)
{"title":"PENGARUH BIAYA OPERASIONAL DAN PENDAPATAN OPERASIONAL (BOPO) TERHADAP PROFITABILITAS BANK SYARIAH DI INDONESIA","authors":"Titin Titin","doi":"10.19109/ifinance.v2i1.1007","DOIUrl":"https://doi.org/10.19109/ifinance.v2i1.1007","url":null,"abstract":"The development islamic banking from year to year continues to increase. This is evidenced by the financial performance of Islamic banks continue to increase from year to year where the financial performance measurement is calculated using ratio analysis. An assessment of the bank's financial performance in efficiency and productivity levels are conducted regularly on the basis of management reports and financial statements that are mirror achievement. This study was to determine the influence of operating expenses and operating income (ROA) to profitability Islamic Banking from 2012 to 2014 year. This study uses data time series over the past three years, so that the population in this study as well as a sample research. choosing samples used sampling technique in which non-probability selection carried out by a sampling method that is saturated sampling technique when all members of the population used as a sample. BOPO results showed a significant negative effect on profiabilitas Islamic banking in Indonesia because of the results obtained regression coefficient of -0075 showing the negative direction so BOPO negative effect on ROA and the significant value of 0.000 means that less than 0.05. Due to the significance level of less than 0.05 and the t (-4.371) <t table (1.690).So in this case a significant effect on profitability BOPO. It concluded that BOPO BOPO negative influence on ROA is because the higher the ROA reflects the lack of ability of banks to suppress operational expenses and increase operational revenue shortfalls resulting profit bank that in turn will lower ROA.Key Word: BOPO and Profitability","PeriodicalId":33079,"journal":{"name":"IFinance","volume":"41 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2016-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"74159679","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2016-12-31DOI: 10.19109/ifinance.v2i1.1011
N. Nurul
The purpose of this study was to determine the influence of the dimensions of service quality credit-BTPN MUR Palembang Area 1 to satisfaction of its debtors. The population of this research is all debtors of BTPN MUR Palembang Area 1 up to December 2011 were 1,500 people consisting of micro and small business borrowers. The amount of sample to be taken is as much as 93 respondents, rounded to 100 respondents. Samples will be taken proportionately from six branches in Palembang Area 1. The data analysis technique used to determine the effect of service quality to satisfaction of the debtor's credit to micro and small enterprises (MSEs) in the People's Bank BTPN Business Partners Palembang Area 1 is to use statistical analysis multiple regression using the F and t test hypotheses. The analysis showed that it is known that the calculated F value of 1284.787 with a significance value of 0.000 is less than 0.05, which means that H0 rejected and Ha accepted. It is clear that the influence jointly on the dimensions of service quality credits include tangible (X1), reliability (X2), assurance (X3), responsiveness (X4), empathy (X5) to the satisfaction of the debtor UMK in BTPN-MUR Palembang Area 1. In the regression equation showed that the most influential dimensions of consumer satisfaction is the dimension of reliability (reliability). Where the influence of the dimensions of reliability is equal to 0.240 so that if the dimensions of reliability is increased by 1 score then the level of customer satisfaction will be increased by 0.240 assuming other variables held constant.Key Word: Service Quality, Satisfaction Debtor and Small and Medium Enterprises
{"title":"PENGARUH DIMENSI KUALITAS LAYANAN KREDIT TERHADAP KEPUASAN DEBITUR USAHA MIKRO DAN KECIL (UMK) PADA BANK TABUNGAN PENSIUNAN NASIONAL","authors":"N. Nurul","doi":"10.19109/ifinance.v2i1.1011","DOIUrl":"https://doi.org/10.19109/ifinance.v2i1.1011","url":null,"abstract":"The purpose of this study was to determine the influence of the dimensions of service quality credit-BTPN MUR Palembang Area 1 to satisfaction of its debtors. The population of this research is all debtors of BTPN MUR Palembang Area 1 up to December 2011 were 1,500 people consisting of micro and small business borrowers. The amount of sample to be taken is as much as 93 respondents, rounded to 100 respondents. Samples will be taken proportionately from six branches in Palembang Area 1. The data analysis technique used to determine the effect of service quality to satisfaction of the debtor's credit to micro and small enterprises (MSEs) in the People's Bank BTPN Business Partners Palembang Area 1 is to use statistical analysis multiple regression using the F and t test hypotheses. The analysis showed that it is known that the calculated F value of 1284.787 with a significance value of 0.000 is less than 0.05, which means that H0 rejected and Ha accepted. It is clear that the influence jointly on the dimensions of service quality credits include tangible (X1), reliability (X2), assurance (X3), responsiveness (X4), empathy (X5) to the satisfaction of the debtor UMK in BTPN-MUR Palembang Area 1. In the regression equation showed that the most influential dimensions of consumer satisfaction is the dimension of reliability (reliability). Where the influence of the dimensions of reliability is equal to 0.240 so that if the dimensions of reliability is increased by 1 score then the level of customer satisfaction will be increased by 0.240 assuming other variables held constant.Key Word: Service Quality, Satisfaction Debtor and Small and Medium Enterprises","PeriodicalId":33079,"journal":{"name":"IFinance","volume":"76 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2016-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"72511134","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2016-12-31DOI: 10.19109/ifinance.v2i1.1010
D. Deky
This study aims to determine whether there is influence liquidity management on the performance of the People's Financing Islamic Bank in Indonesia. Then determine how liquidity management influence on the performance of the People's Financing Islamic Bank in Indonesia. Variables used in this research consists of Capital Adequacy Ratio (CAR), which is a representation of liquidity Financing Islamic Bank in Indonesia and variable Return on Equity (ROE) as a representation of the performance of Financing Islamic Bank in Indonesia in the period of time during the 31 months from January 2014 to July 2016 , The results obtained indicate that there is significant influence and positive liquidity management on the performance of Financing Islamic Bank in Indonesia. This means that if there is an increase in liquidity will berpengaruah to increased performance of SRB in Indonesia. The amount of liquidity management influence on performance is 0.93%, meaning that when Financing Islamic Bank liquidity rose by 1%, it will affect the performance of Financing Islamic Bank rising 0.93%. The results obtained indicate that there is significant influence and positive liquidity management on the performance of Financing Islamic Bank in Indonesia. This means that if there is an increase in liquidity will berpengaruah to increased performance of SRB in Indonesia. The amount of liquidity management influence on performance is 0.93%, meaning that when Financing Islamic Bank liquidity rose by 1%, it will affect the performance of Financing Islamic Bank rising 0.93%.Kata kunci : liquidity, performance, BPRS.
{"title":"PENGARUH MANAJEMEN LIKUIDITAS TERHADAP KINERJA BANK PEMBIAYAAN RAKYAT SYARIAH (BPRS) DI INDONESIA","authors":"D. Deky","doi":"10.19109/ifinance.v2i1.1010","DOIUrl":"https://doi.org/10.19109/ifinance.v2i1.1010","url":null,"abstract":"This study aims to determine whether there is influence liquidity management on the performance of the People's Financing Islamic Bank in Indonesia. Then determine how liquidity management influence on the performance of the People's Financing Islamic Bank in Indonesia. Variables used in this research consists of Capital Adequacy Ratio (CAR), which is a representation of liquidity Financing Islamic Bank in Indonesia and variable Return on Equity (ROE) as a representation of the performance of Financing Islamic Bank in Indonesia in the period of time during the 31 months from January 2014 to July 2016 , The results obtained indicate that there is significant influence and positive liquidity management on the performance of Financing Islamic Bank in Indonesia. This means that if there is an increase in liquidity will berpengaruah to increased performance of SRB in Indonesia. The amount of liquidity management influence on performance is 0.93%, meaning that when Financing Islamic Bank liquidity rose by 1%, it will affect the performance of Financing Islamic Bank rising 0.93%. The results obtained indicate that there is significant influence and positive liquidity management on the performance of Financing Islamic Bank in Indonesia. This means that if there is an increase in liquidity will berpengaruah to increased performance of SRB in Indonesia. The amount of liquidity management influence on performance is 0.93%, meaning that when Financing Islamic Bank liquidity rose by 1%, it will affect the performance of Financing Islamic Bank rising 0.93%.Kata kunci : liquidity, performance, BPRS.","PeriodicalId":33079,"journal":{"name":"IFinance","volume":"12 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2016-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"84782131","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2016-12-31DOI: 10.19109/ifinance.v2i1.1009
M. Mismiwati
The performance of a bank reflected the soundness of the bank itself. Healthy bank is a bank's ability to carry out normal banking operations and is able to meet all its obligations properly in ways that conform with applicable regulations. The health of banks is a value that must be maintained by each bank. This is due to both the poor health of banks will affect the confidence the parties related to the bank as the bank's depositors, shareholders, government, Bank Indonesia and the general public. This study aimed to analyze the influence of Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), ROA, Net Interest Margin (NIM) and the Loan to Deposit Ratio (LDR) to the Return On Asset (ROA) Bank Sumsel Babel the period December 2000- December 2012.Data obtained from the Quarterly Financial Report and Annual Report published by the Bank Sumsel Babel with the time period December 2000 to December 2012. The analysis technique will be used in this research is multiple linear regression to obtain a comprehensive picture of the relationship between the variables and the other variables. The results of this study showed that simultaneous CAR, NIM, ROA, LDR and NPL has an effect on the Bank's performance Sumsel Babel proxied by the ROA of 66.4% and the remaining 33.6% is influenced by other factors not examined in this study. While the results of the partial test variable BOPO significant negative effect on ROA and variable Loan to Deposit Ratio (LDR) positive and significant impact on Return On Asset (ROA) Bank Sumsel Babel. Variable CAR, and NIM and no significant positive effect on ROA.While non-performing loans (NPL) and no significant negative effect on Return On Asset (ROA) Bank Sumsel Babel.Keyword :Return on Asset (ROA), Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), BOPO, Loan to Deposit Ratio (LDR), Non Performing Loan (NPL)
{"title":"PENGARUH CAR, NIM, BOPO, LDR DAN NPL TERHADAP ROA (STUDI PADA PT. BPD SUMSEL BABEL)","authors":"M. Mismiwati","doi":"10.19109/ifinance.v2i1.1009","DOIUrl":"https://doi.org/10.19109/ifinance.v2i1.1009","url":null,"abstract":"The performance of a bank reflected the soundness of the bank itself. Healthy bank is a bank's ability to carry out normal banking operations and is able to meet all its obligations properly in ways that conform with applicable regulations. The health of banks is a value that must be maintained by each bank. This is due to both the poor health of banks will affect the confidence the parties related to the bank as the bank's depositors, shareholders, government, Bank Indonesia and the general public. This study aimed to analyze the influence of Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), ROA, Net Interest Margin (NIM) and the Loan to Deposit Ratio (LDR) to the Return On Asset (ROA) Bank Sumsel Babel the period December 2000- December 2012.Data obtained from the Quarterly Financial Report and Annual Report published by the Bank Sumsel Babel with the time period December 2000 to December 2012. The analysis technique will be used in this research is multiple linear regression to obtain a comprehensive picture of the relationship between the variables and the other variables. The results of this study showed that simultaneous CAR, NIM, ROA, LDR and NPL has an effect on the Bank's performance Sumsel Babel proxied by the ROA of 66.4% and the remaining 33.6% is influenced by other factors not examined in this study. While the results of the partial test variable BOPO significant negative effect on ROA and variable Loan to Deposit Ratio (LDR) positive and significant impact on Return On Asset (ROA) Bank Sumsel Babel. Variable CAR, and NIM and no significant positive effect on ROA.While non-performing loans (NPL) and no significant negative effect on Return On Asset (ROA) Bank Sumsel Babel.Keyword :Return on Asset (ROA), Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), BOPO, Loan to Deposit Ratio (LDR), Non Performing Loan (NPL)","PeriodicalId":33079,"journal":{"name":"IFinance","volume":"17 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2016-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"83009908","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2016-06-06DOI: 10.19109/ifinance.v2i1.1006
R. Rika
One of the factors Which can be used to review indicates Banking Crisis Is non-performing financing (NPF), Therefore By analyzing the factors that determine the level of financing problems Anything important and substantial for Financial Stability and the Bank's management.This study aimed to prove the effect of inflation, BI Rate, Capital Adequacy Ratio (CAR), Operating Expenses Operating Income (ROA) against Non Performing Financing (NPF) on Islamic Banks 2010-2014.The sample in this study using purposive sampling method, ie selecting certain characteristics as the key to be sampled, while not included in the defined characteristics are ignored or not sampled. Based on the random sampling method, there were six samples used in this study.Results showed variable partial Inflation does not affect the NPF; Variable BI Rate is partially contained significant positive effect on NPF; Variable CAR partially negatively affect the NPF; Variable BOPO partially contained significant positive effect on NPF; Based on the statistical test F can be inferred that the regression model can be used to determine the effect of inflation, BI Rate, CAR, ROA against NPF together, which means there is a simultaneous effect of inflation, BI Rate, CAR, ROA to NPFKeyword: Inflation BI Rate, CAR, ROA, NPF
{"title":"DAMPAK INFLASI, BI RATE, CAPITAL ADEQUACY RATIO (CAR), BIAYA OPERASIONAL PENDAPATAN OPERASIONAL (BOPO)TERHADAP NONPERFORMING FINANCING (NPF) PADA BANK UMUMSYARIAH DI INDONESIA","authors":"R. Rika","doi":"10.19109/ifinance.v2i1.1006","DOIUrl":"https://doi.org/10.19109/ifinance.v2i1.1006","url":null,"abstract":"One of the factors Which can be used to review indicates Banking Crisis Is non-performing financing (NPF), Therefore By analyzing the factors that determine the level of financing problems Anything important and substantial for Financial Stability and the Bank's management.This study aimed to prove the effect of inflation, BI Rate, Capital Adequacy Ratio (CAR), Operating Expenses Operating Income (ROA) against Non Performing Financing (NPF) on Islamic Banks 2010-2014.The sample in this study using purposive sampling method, ie selecting certain characteristics as the key to be sampled, while not included in the defined characteristics are ignored or not sampled. Based on the random sampling method, there were six samples used in this study.Results showed variable partial Inflation does not affect the NPF; Variable BI Rate is partially contained significant positive effect on NPF; Variable CAR partially negatively affect the NPF; Variable BOPO partially contained significant positive effect on NPF; Based on the statistical test F can be inferred that the regression model can be used to determine the effect of inflation, BI Rate, CAR, ROA against NPF together, which means there is a simultaneous effect of inflation, BI Rate, CAR, ROA to NPFKeyword: Inflation BI Rate, CAR, ROA, NPF","PeriodicalId":33079,"journal":{"name":"IFinance","volume":"16 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2016-06-06","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"73818058","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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