Analisis Pengaruh Kinerja Keuangan terhadap Profitabilitas Bank Syariah di Indonesia

This study aimed to analyze the factors affecting the amount of profitability (ROA) provided by Islamic banking in Indonesia. The data which is used is taken from the financial report of the Shari’a Bank during the 2011-2016 periods by using montly financial statement This study uses a Vector Error Correction Model (VECM) to see the long-term effect and response to shock that occur in the studied variables. The result shows that in the long run, the percentage Financing (FIN) and BOPO give a positive siqnifikant effect on the ROA, while third party funds (DPK), percentage profit and loss sharing (TBH), financial to deposit ratio (FDR) has negative and siqnificant effect on the ROA. Sertifikat Bank Indonesia Syariah (SBIS) and non performing finance (NPF) have no significant effect on the ROA. In short run, ROA give a negatif and siqnificant effect on the ROA and FDR give a positif and siqnificant effect, while DPK, FIN, SBIS, TBH, NPF and BOPO have no sinificant effect on the ROA. Therfore, shocks that occur in the ROA, FIN, FDR , NPF dan BOPO positively responded by ROA and will be stable in the long term. While the shocks that occur in the percentage of FDR, SBIS and TBH responded negatively by financing and will be stable in the long term.Penelitian ini bertujuan untuk menganalisis faktor-faktor yang memengaruhi profitabilitas (ROA) perbankan syariah di Indonesia. Data yang digunakan data bulanan dari laporan keuangan bank syariah periode 2010-2015. Penelitian ini mengunakan Vector Error Correction Model (VECM) untuk melihat dampak jangka panjang dan respon terhadap dampak shock pada setiap variabel terhadap pembiayaan. Hasil olah data menunjukkan bahwa FIN dan BOPO berhubungan positif terhadap ROA, sedangkan DPK, TBH, FDR berhubungan negatif terhadap dan ROA SBIS dan NPF tidak berpengaruh terhadap tingkat ROA. Dalam jangka pendek, ROA berhubungan negatif, tetapi FDR terhadap ROA berhubungan positif. Sedangkan DPK, FIN, SBIS, TBH, NPF and BOPO tidak berhubungan dengan pembiayaan. Di lain pihak, respon pembiayan terhadap goncangan yang terjadi terjadi pada ROA, FIN, FDR, NPF dan BOPO direspon positif oleh ROA. Sedangkan respon ROA terhadap goncangan yang terjadi pada FDR, SBIS dan TBH adalah negatif

ANALISIS KEAKTIFAN MANAJEMEN RISIKO DALAM MENENTUKAN KEBIJAKAN STRUKTUR MODAL, KEPUTUSAN PEMBERIAN KREDIT, TINGKAT RISIKO DAN PROFITABILITAS BANK UMUM

This study aims to analyze the activeness of bank risk management in influencing the capital structure policy, lending decisions, the level of bank profitability and risk. The samples used in this study were 4 banks that met the requirements in this study. The method used in this study was SEM (Structural Equation Modelling). Based on the research results, it can be concluded that the capital factor and risk management factors have a positive effect on the lending factor. Risk factors have negative effect on lending factors, capital factors and risk management factors have no positive effect on profitability factors. Risk factors have a positive effect on profitability factors, Lending factors have no positive effect on profitability factors, capital factors and risk management factors have positive effects on risk factors. Risk Management Factors and Profitability Factors have a positive effect on Capital Structure Factors, Risk Factors do not have a negative effect on Capital Structure Factors, Capital Factors and Lending Factors have no positive effect on Capital Structure Factors.Keywords: Risk Management, Capital Structure, Lending, Profitability, Ris

Analisis Pengaruh Kinerja Keuangan terhadap Profitabilitas Bank Syariah di Indonesia

This study aimed to analyze the factors affecting the amount of profitability (ROA) provided by Islamic banking in Indonesia. The data which is used is taken from the financial report of the Shari\u27a Bank during the 2011-2016 periods by using montly financial statement This study uses a Vector Error Correction Model (VECM) to see the long-term effect and response to shock that occur in the studied variables. The result shows that in the long run, the percentage Financing (FIN) and BOPO give a positive siqnifikant effect on the ROA, while third party funds (DPK), percentage profit and loss sharing (TBH), financial to deposit ratio (FDR) has negative and siqnificant effect on the ROA. Sertifikat Bank Indonesia Syariah (SBIS) and non performing finance (NPF) have no significant effect on the ROA. In short run, ROA give a negatif and siqnificant effect on the ROA and FDR give a positif and siqnificant effect, while DPK, FIN, SBIS, TBH, NPF and BOPO have no sinificant effect on the ROA. Therfore, shocks that occur in the ROA, FIN, FDR , NPF dan BOPO positively responded by ROA and will be stable in the long term. While the shocks that occur in the percentage of FDR, SBIS and TBH responded negatively by financing and will be stable in the long term.Penelitian ini bertujuan untuk menganalisis faktor-faktor yang memengaruhi profitabilitas (ROA) perbankan syariah di Indonesia. Data yang digunakan data bulanan dari laporan keuangan bank syariah periode 2010-2015. Penelitian ini mengunakan Vector Error Correction Model (VECM) untuk melihat dampak jangka panjang dan respon terhadap dampak shock pada setiap variabel terhadap pembiayaan. Hasil olah data menunjukkan bahwa FIN dan BOPO berhubungan positif terhadap ROA, sedangkan DPK, TBH, FDR berhubungan negatif terhadap dan ROA SBIS dan NPF tidak berpengaruh terhadap tingkat ROA. Dalam jangka pendek, ROA berhubungan negatif, tetapi FDR terhadap ROA berhubungan positif. Sedangkan DPK, FIN, SBIS, TBH, NPF and BOPO tidak berhubungan dengan pembiayaan. Di lain pihak, respon pembiayan terhadap goncangan yang terjadi terjadi pada ROA, FIN, FDR, NPF dan BOPO direspon positif oleh ROA. Sedangkan respon ROA terhadap goncangan yang terjadi pada FDR, SBIS dan TBH adalah negatif

ANALISIS DETERMINAN YANG MEMPENGARUHI PEMBIAYAAN MURABAHAH PADA BANK UMUM SYARIAH DI INDONESIA

This study aims to analyze the determinants of murabahah financing as seen from microeconomic factors such as Third Party Funds, Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Return On Assets (ROA), Financing to Deposit Ratio (FDR), and BOPO as well as from macroeconomic factors such as BI rate and Inflation that are seen as having an effect in the short and long term. Analysis in this study uses secondary time series data taken from monthly data of OJK and BPS, namely from January 2015 to July 2020. Observation used as many as 67 observations and analysis methods used is Auto-Regressive Distributed Lag (ARDL) with Eviews 9 application. The results obtained from this study are in the short term variables that do not affect Murabahah Financing in Sharia Commercial Banks including CAR, ROA, NPF, BOPO, and Inflation. Meanwhile, Third Party Funds and FDR have a positive relationship and have a significant influence on Murabahah Financing. Then, the BI Rate affects Murabahah Financing but the relationship is negative. In the long term, the variable that has a positive and significant influence on Murabahah Financing is CAR. On the other hand, the NPF and BI Rate have a negative and significant effect on Murabahah Financing. While the rest, DPK, ROA, FDR, BOPO, and Inflation had no effect Murabahah Financing in Sharia Commercial Banks significantly in the long term

Faktor –Faktor yang Mempengaruhi Pembiayaan Mudharabah pada Bank Umum Syariah di Indonesia

In general sharia banking in Indonesia, there are various types of financing offered to customers, one of which is profit-sharing based financing (Mudharabah). Regarding this, the purpose of this study is to determine and measure the relationship between positive and negative and significant or insignificant effects of micro independent variables in the form of TPF, CAR, NPF, FDR, BOPO and macro independent variables in the form of BI Rate and Inflation on the dependent variable, namely PMD. (Mudaraba Financing). In this study using the ARDL (Auto-regression Distributed Lag) regression method with analysis tools, namely the EViews 10 application and for the data used is time series data, the data is also secondary data which is retrieved from the official website of the OJK and BPS Indonesia by retrieving data. from January 2015 - July 2020. It can be concluded that the results of this study show that the independent variables have an effect on micro, namely TPF, CAR, ROA, and BOPO, the results have a negative and significant effect, while the NPF and FDR results are not significant (no influential) and for the independent variable the macro effect is the Bi Rate, the results have a significant negative effect, while for the inflation the results are positive and insignificant (no effect) on PMD (Mudharabah Financing)

Indikator Makroekonomi dan Pengaruhnya Terhadap Indeks Saham Syariah di Indonesia

This study aimed to analyze the influence of variables of money supply (M2), constumer price index (CPI), exchange rate (ER), BI Rate (BIRATE), Sertifikat Bank Indonesia Syariah (SBIS)  with Shari'ah Indonesia Stock Index (ISSI). To see that effect will be made by the tests in stages Vector Autoregression. The data used in this research is secondary data during the period January 2012 until December 2016. The finding in long run shows that ISSI is positively significantly affected by CPI and it is negatively significantly affected by M2, ER and BIRATE. Granger-Causality test resulth shows that there are causality between CPI with BIRATE and CPI with SBIS, but there are three undirectional relationship which includes ISSI to ER, M2 to BIRATE and SBIS to BIRATE.DOI: 10.15408/ess.v8i2.721

Modelling Respon Rasio Keuangan Terhadap Pembiayaan Pada Bank Syariah Di Indonesia

 This research is meant to analyze the factors affecting the amount of financing provided by Islamic banking in Indonesia. The data which is used is taken from the financial report of the Shari’a Bank during the 2011-2015 periods by using montly financial statement This study uses a Vector Error Correction Model (VECM) to see the long-term effect and response to shock that occur in the studied variables. The result shows that in the long run, the percentage of third party funds (DPK), capital adequacy ratio (CAR), financial deposit ratio (FDR), percentage profit and loss sharing (TBH), give a positive and significant effect on the financing, while BOPO  has negative and significant effect.  Return on asset (ROA) and non perfroming finance (NPF) have no significant effect on the financing. In short run, financing and BOPO give a positive and siqnificant effect on teh financing, then DPK, CAR, FDR, TBH have no sinificant effect on the financing. Therfore, shocks that occur in the financing, ROA, CAR, FDR dan NPF positively responded by financing and will be stable in the long term. While the shocks that occur in the percentage of profit and loss sharing, third party funds, and BOPO responded negatively by financing and will be stable in the long term