Analisis Tren Pertembuhan Fee Based Income (FBI) dan Interst Based Income (IBI) di Masa Pandemi Covid-19

Pandemi Covid-19 menyebabkan perubahan pada perilaku nasabah dari transaksi tunai menjadi transaksi digital, dimana transaksi digital menyumbang pendapatan non-bunga khususnya fee based income. Penelitian ini bertujuan untuk melihat apakah tren pertumbuhan FBI lebih baik dibandingkan dengan tren pertumbuhan IBI selama masa pandemi Covid-19. Data yang digunakan dalam penelitian ini adalah data sekunder berupa laporan keuangan perusahaan perbankan. Jumlah populasi 46 perusahaan, dan jumlah sampel 36 perusahaan yang diambil dengan teknik purposive sampling. Penelitian diuji menggunakan uji paired sample t-test. Hasil penelitian menunjukkan bahwa terdapat perbedaan yang signifikan antara tren pertumbuhan IBI dan FBI perusahaan perbankan selama pandemi Covid-19 sejak kuartal III hingga akhir periode 2020

DAMPAK MAKRO EKONOMI DAN FAKTOR INTERNAL TERHADAP KINERJA KEUANGAN BANK UMUM SYARIAH DI INDONESIA

The performance of Islamic banking in Indonesia is currently experiencing rapid growth and growth. More and more economic actors are partnering with Islamic banking in Indonesia. Various products and services offered by Islamic banking were able to contribute positively to the financial performance of Islamic banking so that they were able to encourage the progress of the national economy. There are several variables that can affect the performance of Indonesian Islamic banking finance and in this study will conduct a research study on the influence of internal and external variables in influencing the performance of Indonesian Islamic banking finance. This study uses objects from all Islamic banking in Indonesia with the research period of 2014 to 2017. Information and financial data are obtained from annual financial reports from all Indonesian Islamic banking. The internal variables in this study use CAR, NPF, FDR, BOPO and ROA proxy. For external variables in this study using the proxy of inflation and GDP

ANALISIS PENGARUH CAPITAL ADEQUACY RATIO, LOAN TO DEPOSIT RATIO, DAN BOPO TERHADAP NET INTEREST MARGIN DALAM RANGKA MENINGKATKAN RETURN ON ASSET (Studi pada Industri Perbankan di Indonesia Periode Tahun 2009-2012)

This research is performed in order to test the influence of the variable Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), and BOPO, toward Net Interest Margin (NIM) to increase Return on Asset (ROA). Sampling technique used is purposive sampling with criteria as General Banking in Indonesia which provide financial report and traded during period 2009 through 2012 and forwarded to Bank Indonesia. The Data is based on publicity Indonesia Banking Directory since 2009 to 2012. Obtained by amount sample as much 42 company from 133 banking company in Indonesia 2009-2012 period. Analysis technique used is regression analysis. From the result of analyse indicate that data BOPO in partial significant toward NIM, while CAR and LDR have an no significant effect to NIM. CAR and LDR in partial significant toward ROA