The Influence of Financing to Deposit Ratio, Non Performing Financing, Return on Assets and Capital Adequacy Ratio to Mudharabah Financing (Case Study in Sharia Commercial Banks in Indonesia) (original) (raw)
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Asian Journal of Islamic Management (AJIM), 2019
This study aims to analyze the effect of NPF (non-performing financing) and FDR (financing to deposit ratio) to the volume of financing in Indonesia Islamic Banks with third-party funds as a mediating variable. This research is a quantitative research. Methodology: The populations in this study are Bank Indonesia Publication Reports and other references from journals, research, internet, etc. Sampling was done by purposive sampling method Secondary data collection method used is documentation method. Data analysis techniques used in this research is the technique of mediation regression analysis, which uses multiple causal step method. Findings : The results show that NPF (non-performing financing) does not affect the volume of financing in Islamic commercial banks in Indonesia, FDR (financing to deposit ratio) does not affect the volume of financing in Islamic commercial banks in Indonesia, NPF (non-performing financing) has no effect on DPK (third party funds), FDR (financing to deposit ratio) has no effect on DPK (third party funds), DPK (third party funds) has a positive effect on the volume of financing in Islamic commercial banks in Indonesia, DPK partially mediates the effect of NPF (non-performing financing) to the volume of financing Islamic banks in Indonesia, DPK perfectly mediates the effect of FDR (financing to deposit ratio) to the volume of financing Islamic banks in Indonesia. Originality/Contribution: This is the first study to used Islamic banks selected for this research are Bank Muamalat Indonesia, Bank Syariah Mandiri, Bank Syariah Mega Indonesia and the data are taken from the tri-monthly report.
2021
The measurement of Islamic banking performance should differ from the indicators used in their conventional counterparts. Therefore, this study analyzes the performance of Islamic baking in Indonesia using the Islamic Performance Ratio (IPR) variable. Spesifcillay, this study aims to examine the influence of Asset Growth and Non-Performing Financing (NPF) on the IPR using Financing to Deposit Ratio (FDR) as moderator. Data for this study were gathered from seven Islamic Commercial Banks from 2012 to 2018 with 49 observations. They were analyzed using the quantitative approach by employing SPSS software. The findings show that the quality of financing has a negative but significant effect on the IPR. Meanwhile, asset growth does not have a significant direct effect on the IPR. When FDR was inserted as moderator, it showed a significant effect of asset growth on IPR. The theoretical implication of this research shows that Islamic banks' performance is shown from the growth of asse...
Zenodo (CERN European Organization for Nuclear Research), 2023
The financial performance of a bank reflects the level of success in managing resources to achieve its goals. One method of evaluating the financial performance of a bank is by using ROA (Return on Assets). The objective of this research is to identify the impact of Qardhul Hasan Financing and financial ratios on the financial performance of Islamic banks in Indonesia. This study is an explanatory research that utilizes secondary data, specifically annual reports published between 2014 and 2021. The research population consists of all Islamic banks in Indonesia, and a sample of 10 Islamic banks was selected using sampling techniques. Multiple linear regression analysis was used to analyze the data. The findings indicate that overall, the variables QARDH, NPF, FDR, CAR, and BOPO have an influence on ROA as an indicator of financial performance. However, individually, the variables QARDH, NPF, and CAR do not have a significant impact on ROA. On the other hand, BOPO and FDR have a significant impact on ROA.
Determinants of Islamic Banking Performance: An Empirical Study in Indonesia
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah
This study aimed to examine the effects of Capital Adequacy Ratio (CAR) and Good Corporate Governance (GCG) on Return On Asset (ROA) with Non-Performing Financing (NPF) as a moderating variable. The sample used in this study is 14 Islamic commercial banks listed on Bank Indonesia from 2014-2018. The sampling technique used in this research is purposive sampling with the type of data used in this research is panel data. To analyze the data, the researchers use a statistical test that includes classical assumption test, t-test, F-test, the coefficient of determination (R2), and Moderated Regression Analysis (MRA). The process of data analysis is using a means of IBM SPSS Statistics 23. The results of this study show that CAR has a negative and significant effect on ROA, and GCG does not have a substantial impact on ROA. This study indicates that NPF is unable to moderate the effect of CAR on ROA. However, NPF is significantly able to moderate the effect of GCG on ROAAbstrakPenelitian...
Talenta Conference Series: Local Wisdom, Social, and Arts (LWSA)
This study was conducted to determine the effect of NPF, FDR, deposits, and DER to Islamic banking financing in Indonesia. This study uses the annual financial statements population of the entire Islamic Banks (BUS) in Indonesia in 2010-2014. The samples in this study using purposive sampling, that the sampling method using specific criteria. The amount of data used by 30 the annual financial statements of six Islamic banks which fulfill the criteria as a sample. The results showed that the NPF, FDR, deposits, and DER simultaneously affect the murabaha financing. The magnitude of the effect of the four independent variables against murabaha financing amounted to 95.9% and the remaining 4.1% is influenced by other variables outside of this study. For partial results, variable DPK and DER positive effect on murabaha financing. As for the variable FDR and NPF no significant effect on the murabahafinancing.
2016
This study aims to analyze the effect of NPF (non-performing financing) and FDR (financing to deposit ratio) to the volume of financing in Indonesia Islamic Banks with third-party funds as a mediating variable. There are six questions being discussed: (1) Does This research is a quantitative research. The populations in this study are Bank Indonesia Publication Reports and other references from journals, research, internet, etc. Sampling was done by purposive sampling method. The numbers of samples were determined as many as 5 islamic banks from 11 islamic banks in Indonesia registered in Bank Indonesia. Secondary data collection method used is documentation method. Data analysis techniques used in this research is the technique of mediation regression analysis which use multiple causal step method. Based on the results of research and discussion, we can conclude that NPF (non-performing financing) does not affect the volume of financing in Islamic commercial banks in Indonesia, FDR (financing to deposit ratio) does not affect the volume of financing in Islamic commercial banks in Indonesia, NPF (non-performing financing) has no effect on DPK (third party funds), FDR (financing to deposit ratio) has no effect on DPK (third party funds), DPK (third party funds) has a positive effect on the volume of financing in Islamic commercial banks in Indonesia, DPK partially mediates the effect of NPF (non-performing financing) to the volume of financing Islamic banks in Indonesia, DPK perfectly mediates the effect of FDR (financing to deposit ratio) to the volume of financing Islamic banks in Indonesia.
Factors Affecting Non-Performing Financing at Islamic Commercial Banks in Indonesia
Accounting Analysis Journal, 2020
Article History: Received January 18, 2018 Accepted March 3, 2020 Available March 30, 2020 This study aims to determine the effect of Inflation, Gross Domestic Product (GDP), Operational Income Operating Cost (BOPO), Financing to Deposit Ratio (FDR) and Capital Adequacy Ratio (CAR) to Non Performing Financing (NPF). The population in this study were 13 Islamic Commercial Bank in Indonesia in year 2012-2015. The sample selection used purposive sampling technique which resulted in 9 banks and the analysis units were 36. Data collection method used in this research was documentation. Data analysis method used was Structural Equation Modeling (SEM) with Partial Least Square (PLS) with SmartPLS 3.0 analysis tool. The results show that the inflation, GDP, and FDR variables do not significantly influence NPF. BOPO variable has a positive and significant influence to NPF. CAR variable has a negative and significant influence to NPF. The conclusion shows that the inflation, GDP, and FDR vari...
Financial Performance Determinant of Islamic Banking in Indonesia
Jurnal Keuangan dan Perbankan, 2018
The rapid growth of Islamic banks also occured in Indonesia. The high growth of Islamic banks' assets gave opportunities to increase bad debt (non-performing financing). We examined the impact of good corporate governance (GCG), number of sharia supervisory board (SSB), financing to deposit ratio (FDR), profit and loss sharing (PLS) financing ratio, profit sharing rate of financing, and temporary syirkah fund ratio on the performance of non-performance financing (NPF) and return on assets (ROA). This research also tested the influence of NPF on ROA. The population of this research was Islamic commercial banks in Indonesia with the observation ranged from 2009-2016. The samples were determined by using a purposive sampling method. Data analysis used a structural equation model with WarpPLS. We proved that empirically GCG disclosure did not affect NPF. NPF bank was influenced by PLS financing and temporary syirkah fund ratio. PLS financing income and FDR financing did not affect the NPF. Moreover, GCG, SSB, temporary syirkah fund, and NPF disclosures influenced profitability
Analysis of Financing Performance and Profitability of Islamic Banking in Indonesia
IJASS JOURNAL, 2023
The performance of Islamic banking is closely related to the financing provided by banks to debtors. Types of financing provided include: Murabahah, Musyarakah and Ijarah. This study aims to analyze the effect of Murabahah, Musyarakah and Ijarah financing on banking profitability. This study uses a quantitative descriptive method. The results of this study conclude that Murabahah financing has a significant effect on bank profitability, Musyarakah financing variables have a significant effect on profitability, and Ijarah financing has a significant effect on profitability. Partially on Profitability The variables of Murabahah, Musyarakah and Ijarah simultaneously affect the Profitability variable and the R Square coefficient is 0.361 or 36.1 percent. this implies that the variables of Murabahah, Musyarakah and Ijarah Financing are able to explain the Profitability variable of 36.1 percent.