Pengaruh Equality To Total Assets Ratio, Non Performing Ratio dan F9inancing To Deposit Ratio Terhadap Kinerja Keuangan Koperasi BMT Nurul Jannah Gresik Tahun 2012-2014 (original) (raw)

Analisis Kinerja Keuangan pada INKOPSYAH BMT

Perkembangan Koperasi sekarang ini sangatlah pesat, hal itu terlihat dari semakin menjamurnya koperasi di Indonesia. Koperasi tercermn sebagai wujud peran dan kedudukan pemerintah dalam sistem demikrasi di Indonesia. Namun sekarang, koperasi telah tergantikan dengan Baitul Maal wa Tamlik (BMT).

Pengaruh Non-Performing Financing dan Biaya Operasional Pendapatan Operasional terhadap Return on Assets di BMT Dana Ukhuwah Cabang Cicalengka

Journal of Applied Islamic Economics and Finance

The purpose of this study is to explore the factors that affect the profitability of Baitul Maal wat Tamwil (BMT) Dana Ukhuwah Branch Cicalengka. The type of research used is associative quantitative research. In this study, it was obtained from the financial statements of BMT Dana Ukhuwah Period 2016-2020 in the form of Non-Performing Financing (NPF) data, Operational Costs of Operating Income (BOPO), and Return on Assets (ROA). The results showed that NPF had no significant effect on ROA, while BOPO had a significant effect on ROA. NPF and BOPO simultaneously have a significant effect on ROA.

Analisis Rasio Keuangan Untuk Menilai Kinerja Koperasi Kud Minatani Brondong

Capital, 2022

Financial statements are essentially an act of assessing the financial condition and potential of a business entity in an accounting period which is commonly referred to as a balance sheet, income statement and cash flow statement. This study aims to determine whether there is a significant difference between the Liquidity ratio (X1). Solvency (X2), Profitability (X3), Operating Ratio (X4), Profit Margin (X5), and Labor Effectiveness (X6), with the average ratio for 5 years, in assessing the financial performance of the Koperasi KUD Minatani Brondong. This study uses a parametric descriptive method, by interpreting the financial performance of the Koperasi KUD Minatani Brondong in the 2017-2021 financial year (5 years). This study also uses a census or saturated sample, because all members of the population are sampled, the research data used are secondary data. Furthermore, the t-test analysis method is used for descriptive hypothesis testing with interval data for one sample and partial direction coefficients. The results showed that the financial statements of the Koperasi KUD Minatani Brondong for the 2017-2021 financial year, including liquidity ratios, solvency, profitability, operating ratios, profit margins, and labor effectiveness, were simultaneously in a low condition (enough to provide benefits). It is also known that there are inefficiencies in the aspect ratio of profit margins and operating ratios, or working with very large operating costs. the ratio of liquidity, solvency, profitability, profit margin, operating ratio, and labor productivity, proved to be significantly different.

Pengaruh Kualitas Aktiva Produktif Dan Net Performing Financing (NPF) Terhadap Net Operating Margin (Nom) Bank Umum Syariah Dan Unit Usaha Syariah Periode Juni 2014 – Maret 2020

Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Perbankan Syariah, 2020

Net Operating Margin (NOM) is a ratio that is needed to improve the ability of banks to manage their entire productivity in order to produce a higher net. While Non-Performing Financing (NPF) is an indicator of credit risk (financing) of Islamic banks. Banks with high NPFs are less effective. Consider a bank with a lower NPF, more efficient. This study aims to look at the effect of Earning Asset Quality and Non-Performing Financing (NPF) on Net Operating Margin (NOM) in Sharia Commercial Banks and Sharia Business Units. The data used in this study is monthly coherent data from the period June 2014 to March 2020. Technical data analysis uses multiple regression models that are processed with IBM SPSS V.26.0. The results showed that the Earning Assets Quality (KAP) had a significant negative effect on the Net Operating Margin (NOM) variable with a KAP coefficient of -0.017 with a significance level of 0.610. Net Performing Financing (NPF) has a significant negative effect on the Net O...

Pengaruh Pendapatan Bagi Hasil Mudharabah dan Pendapatan Margin Murabahah Terhadap Laba Usaha pada BMT Muda Surabaya

2019

Jurnal ini bertujuan untuk mengetahui pengaruh pendapatan bagi hasil mudharabah dan pendapatan margin murabahah terhadap laba usaha pada BMT Muda Surabaya. Hasil penelitian secara parsial antara pendapatan bagi hasil mudharabah (X 1 ) terhadap laba usaha (Y), diperoleh t hitung sebesar 4,904 dan t tabel sebesar 2,10092. Hasil ini menunjukkan bahwa t hitung > t tabel (4,904 > 2,10092). Dapat disimpulkan bahwa terdapat pengaruh positif dan signifikan antara pendapatan bagi hasil mudharabah terhadap laba usaha. Hasil penelitian secara parsial antara pendapatan margin murabahah (X 2 ) terhadap laba usaha (Y), diperoleh t hitung sebesar 5,150 dan t tabel sebesar 2,10092. Hasil ini menunjukkan bahwa t hitung > t tabel (5,150 > 2,10092). Dapat disimpulkan bahwa terdapat pengaruh positif dan signifikan antara pendapatan margin murabahah terhadap laba usaha. Sedangkan hasil penelitian secara simultan antara pendapatan bagi hasil mudharabah (X 1 ) dan pendapatan margin murabahah (...

Pengaruh Non Performing Financing, Capital Adequacy Ratio, Beban Operasional Pendapatan Operasional Dan Net Imbalan Terhadap Return on Assets (Studi Pada Bank Maybank Syariah Periode 2012-2019)

Niqosiya: Journal of Economics and Business Research, 2021

The purpose of this study is to analyze the influence of Non Performing Financing (NPF), Capital Adequacy Ratio (CAR), Operating Expenses operating income (BOPO) and Net Rewards (NI) ratio on Return On Assets of Maybank Syariah Bank. A bank's Return on Assets (ROA) is a ratio that shows the bank's success in making a profit. If the ROA obtained by a small bank as a result of the bank can suffer losses and hinder the growth of the bank. This research is a type of quantitative research with Error Correction Model method with a significance rate of 5%, with a total of 32 samples in the form of quarterly data published by Bank Maybank Syariah in 2012-2019. The findings in this study are that NPF negatively affects ROA in the short term but NPF has no effect on ROA in the long run. CAR has no effect on ROA in the short term but CAR has a positive effect on ROA in the long run. BOPO in the short and long term negatively affects ROA. NI in the short and long term has no effect on R...

Pengaruh Rasio Keuangan Terhadap Kinerja Keuangan Pada Koperasi Primkopal Lanal Tegal

Review of Applied Accounting Research (RAAR), 2022

Penelitian ini bertujuan untuk mengetahui pengaruh dari rasio likuiditas menggunakan current ratio, rasio solvabilitas menggunakan total debt to total asset, rasio rentabilitas menggunakan return on asset (ROA) secara parsial maupun simultan terhadap kinerja keuangan Koperasi Primkopal Lanal Tegal menggunakan sisa hasil usaha (SHU). Penelitian ini merupakan penelitian kuantitatif dengan menggunakan data sekunder berupa analisis rasio laporan keuangan bulanan pada Koperasi Primkopal Lanal Tegal dari tahun 2017 hingga tahun 2020.Penelitian ini menggunakan analisis regresi linier berganda untuk melihat pengaruh variabel independen yaitu Rasio Likuiditas (X1), Rasio Solvabilitas (X2) dan Rasio Rentabilitas (X3) terhadap Kinerja Keuangan yaitu menggunakan Sisa Hasil Usaha (Y). Hasil dari penelitian ini yaitu rasio likuiditas berpengaruh terhadap kinerja keuangan menggunakan Sisa Hasil Usaha, rasio solvabilitas berpengaruh negatif terhadap kinerja keuangan menggunakan Sisa Hasil Usaha, d...

Pengaruh Rasio Keuangan Terhadap Pertumbuhan Laba Lembaga Keuangan Syariah (Studi Kasus koperasi Syariah BMT Al-Fath Tarakan)

BMT is an institution which its main activity is fund raising from society then revolves it with purpose to generate revenue from which. BMT in activities that are more focused on small and micro-economic development. In order to function BMT remain sustainable it is necessary to conduct the evaluation or assessment of BMT, especially in financial performance. One of the concepts of banking health measurements that can be used to assess the performance of BMT using CAMEL (Capital, Asset, Management, Earning, Liquidity) financial ratios. This research has purpose to prove the effect of Capital Adequacy Ratio (CAR), Asset Quality Productive (KAP), Net Profit Margin (NPM), Return On Asset(ROA), Operating Expenses/Operating Income (BOPO) Financing to Deposit Ratio (FDR) and Cash Ratio to SHU Profit Growth and which the most dominant variables that affect to SHU Profit Growth. The object of this research is Islamic cooperative BMT Al-Fath Tarakan in the period of 2006 through 2010. Data collection methods using primary data. Data obtained by direct observation in the field through the company's management. The analysis methods used are Classical Assumption Test, Multiple Regression, and Hypothesis Testing. From the F test result it shows that variable of CAR, KAP, NPM, ROA, BOPO , FDR and Cash Ratio simultaneously affect significantly to SHU Profit Growth. According to the t test result, it can conclude that NPM and FDR partially have effect to SHU Profit Growth, whereas CAR, KAP, ROA, BOPO and Cash Ratio partially don't have effect partially. From the analysis of variables known to NPM (Net Profit Margin) are the dominant variables affecting SHU Profit Growth.

Pengaruh Total Aktiva, Capital Adequacy Ratio (CAR), Finance To Deposit Ratio (FDR) Dan Non Performing Financing (NPF) Terhadap Return On Assets (ROA) Bank Umum Syariah Di Indonesia Periode 2010-2014

Jurnal Ekonomi Syariah Teori dan Terapan

The purpose of this study is to analyze the impact of the variables firm size, liquidity, capital adequacy and financing fraud on Sharia Bank profitability in Indonesia by January 2010 until December 2014 period. Research using purposive sampling method for taking samples. Data obtained based on Bank of Indonesia published via Website realtime, obtained 60 samples.Research variables consisted of four independent variables and 1 dependent variable. Data analysing technique to answer research problem and examine research hypothesis using Double Linear Regression Analysis that supported by SPSS Statistics version 20 application.Based on the research, known that the effect of firm size (asset total), Liquidity (FDR), financing fraud (NPF) on Sharia Bank profitability partially significant. Meanwhile, the effect of capital adequacy (CAR) on Sharia Bank profitability not too significant.