Pengaruh Sukuk dan Faktor Internal terhadap Profitabilitas Bank Syariah (original) (raw)
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This purpose of this reserch was to analyze the influence of internal factors and macroeconomic variables on profitability at Bank Syariah in Indonesia 2012-2015. Profitability proxy with Return on Assets (ROA) is influenced by Non Performing Financing (NPF), Financing To Deposit Ratio (FDR), Liquid Asset to Deposit (LAD), and macroeconomic variable is BI Rate. The sample used in this study is Bank Syariah which publishes financial statements and did not experience loss during the study period 2012-2015. The data analysis technique used is multiple linear regression analysis with the help of SPSS program. The results showed that NPF variables negatively affect profitability, because the magnitude of NPF resulted in the loss of income opportunities from financing, thus lowering ROA. And the BI Rate variable has a negative effect on profitability, the increase of BI interest rate will affect the operational activities and decrease the income of Syariah Bank in Indonesia. CAR variables do not affect ROA because the amount of capital used for investment is not used to earn profit. The DPK variable does not affect the ROA because the amount of profit obtained from financing is offset by an increase in bank operating costs. The FDR variable does not affect ROA because the amount of financing disbursed has an impact on the increased risk of bad loans. While LAD variable does not affect ROA because profit obtained from financing activity is bigger than bank liquidity.
Pengaruh Sukuk Sebagai Sumber Dana Bank Syariah Terhadap
Sukuk (syariah bond) is one of the Islamic financial instruments. Issuance of sukuk in Indonesia has a significant development from year to year. But this significant growth is not followed by sukuk trading in the secondary market. Analysis of sukuk development using descriptive analysis method. the development of sukuk from 2015 to 2017 has experienced significant growth, although it has experienced a decline in 2016, sukuk after it began to rise and continue to grow, let alone many sharia banks that use sukuk as an alternative financing. The impact of it all affects the development of Islamic capital market regulation sukuk by sukuk trading procedures, socialization in improving sukuk understanding, and the level of investment in the capital market that affects the growth of capital market investment. In this case, the development of sukuk will have a significant impact on the development of Islamic bank financing Sukuk (obligasi syariah) merupakan salah satu instrumen keuangan Islam. Penerbitan sukuk di Indonesia memiliki perkembangan yang signifikan dari tahun ke tahun. Tetapi pertumbuhan signifikan ini tidak diikuti oleh perdagangan sukuk di pasar sekunder. Analisis pengembangan sukuk menggunakan metode analisis deskripti,. Pengembangan sukuk dari 2015 hingga 2017 mengalami pertumbuhan yang signifikan, meski pernah mengalami penurunan pada tahun 2016, sukuk setelah itu mulai naik dan terus bertambah, apalagi banyak bank syariah yang menggunakan sukuk sebagai alternatif pembiayaan. Dampak dari itu semua mempengaruhi perkembangan regulasi pasar modal islamic sukuk oleh prosedur perdagangan sukuk, sosialisasi dalam meningkatkan pengertian sukuk, dan tingkat investasi di pasar modal itu mempengaruhi pertumbuhan investasi pasar modal. Dalam hal ini, perkembangan sukuk akan memberikan dampak yang signifikan bagi perkembangan pendanaan bank syariah..
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This study aims to determine the influence of external factors (inflation and BI rate) and internal (CAR, REO, FDR, and NPF) on the level of profitability of sharia banks in Indonesia as measured by ROA. The data used in this study is the data of Sharia Commercial Bank and Sharia Business Unit in Indonesia from 2011 to 2018 using monthly data. This research uses error correction model which is commonly abbreviated as ECM. The results show that the external and internal variables together significantly influence the ROA variable. Individually, CAR, NPF and Inflation variables have no significant effect on ROA, while FDR and REO variables in both short and long term have significant effect on ROA. BI rate in this study has no significant effect on ROA in the short term, but has a significant effect on ROA variable in the long term
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Jurnal Ilmiah Multidisiplin
Penelitan ini dimotivasi karena fenomena relatif rendahnya profit bank syariah di Indonesia dibandingkan bank konvensional, disamping itu karena adanya perbedaan hasil penelitian terdahulu mengenai faktor-faktor internal yang mempengaruhi profitabilitas (ROA, ROE, PBT, NNIM). Penelitian ini menggunakan variabel bebas, mederating variable, faktor eksternal), nilai tambah penelitian ini mencoba menganalisis faktor-faktor yang lebih dominan dalam mempengaruhi profitabilitas. Penelitian ini menggunakan data sekunder dengan teknik purposive sampling sehingga jumlah sampel ada 14 perusahaan bank syariah selama periode 2016-2020. Hasil penelitian menyimpulkan faktor internal (ROA,ROE, PBT dan NNIM) merupakan faktor yang lebih kuat pengaruhnya terhadap profitabilitas. dikarenakan variabel yang mendukung lebih banyak dan setelah dilakukan pengujian secara simultan faktor modal, pendanaan, overhead, pembiayaan, margin berpengaruh positif signifikan. Implikasi manajerial dari penelitian ini ad...
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Faktor-Faktor Yang Mempengaruhi Profitabilitas Bank Syariah
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The aims of this study are to analyze the direct effect of financing and net interest margin to return on asset, and indirect effect of financing and net interest margin into return on asset. The independent variables in this study are financing and net interest margin, the dependent variable is return on asset, and intervening variable is non performing financing (NPF). The method that used in this study is path analysis. The result shown that the financing has direct effect to return on asset 2.45% and net interest margin has direct effect to return on asset 6.45%. Non performing financing has direct effect to return on asset 4.32%. Financing has indirect effect to non performing financing 2.77%. Net interest margin has indirect effect on non performing financing 2.77%.
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The study aims to analyze the influence of internal banking factors in the form of: Capital Adequency Ratio (CAR), Financing to Deposit Ratio (FDR) and Total Assets (TA) to Non Performing Financing at Sharia Banks. This research method used multiple linear regression analysis with the help of SPSS 16.00 software which is used to see the influence between the independent variables in the form of Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR) and Total Assets (TA) to Non Performing Financing. The sample of this study was 3 Islamic Commercial Banks, so there were 36 annual reports obtained through purposive sampling, then analyzed using multiple linear regression methods. The results showed that based on the F Test, the independent variable had an effect on the NPF, indicated by the F value of 17,016 and significance of 0,000, overall the independent variable was able to explain the effect of 69.60%. While based on the partial t test, showed that CAR has a significant n...