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The Effect of Capital Adequacy Ratio, non Performing Financing, and Financing to Deposit Ratio on Returns for Deposit Results of Sharia Commercial Banks Rudy Irwansyah; Syahrijal Hidayat
Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences Vol 4, No 3 (2021): Budapest International Research and Critics Institute August
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v4i3.2245

Abstract

This study aims to see the effect of CAR, NPF, and FDR on the return for the results of mudharabah deposits at Islamic Commercial Banks either simultaneously or partially. The data used in this study are the quarterly financial reports for the period March 2016 to December 2020. The method of analysis used in this study is the method of multiple linear regression analysis using the SPSS 18 program. The F test is used to test the effect of the independent variables, namely CAR, NPF, and FDR on the dependent variable, namely the return on the profit sharing of mudharabah deposits. The t test is performed to test the effect of the CAR, NPF, and FDR variables on the partial return on the return on mudharabah deposits. The significance level used is 5%. The results showed that simultaneously there was an effect between CAR, NPF, and FDR on the Return for Profit Sharing on Mudharabah Time Deposits of 0,802. While partially all 3 independent variables (CAR, NPF, and FDR) also have a significant effect on Return on Time Deposit.
The Effect of Total Third Party Fund and Number of Offices on Sharia Commercial Bank Financing Supiah Ningsih; Rudy Irwansyah
Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences Vol 4, No 3 (2021): Budapest International Research and Critics Institute August
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v4i3.2234

Abstract

This study aims to determine whether there is a significant influence between the amount of third party funds and the number of offices on Islamic Commercial Bank financing, and how much effect between the amount of third party funds on Islamic Commercial Bank financing and between the number of offices on Islamic Commercial Bank financing. The research design used is a quantitative research design using multiple linear regression analysis techniques supported by classical assumption tests and hypothesis testing with the help of the SPSS version 19 program. The samples of this study are the amount of third party funds, number of offices, and financing of Islamic Commercial Banks from January 2018 to December 2020. The results showed that simultaneously or simultaneously the amount of third party funds and the number of offices had a significant and positive effect on Islamic Commercial Bank financing based on the F test where Fcount > Ftable (265,455 > 3,28), while the significant level was 0,000 < 0,05. Partially, the factors that significantly effect the financing of Islamic Commercial Banks are the factor of the amount of third party funds where tcount > ttable (16,821 > 2,032) and the significance is 0,000 < 0,05. While the variable number of offices has a significance of 0,114 > 0,05, and the value of t count < ttable (-1,625 < 2,032). This means that the variable number of offices does not have a significant effect on Islamic Commercial Bank financing. Variations in factors that affect the financing of Islamic Commercial Banks are explained by the independent variables, the amount of third party funds and the number of offices which together explain the effect of 94,1%. While the remaining 5,9% is explained by other variables not examined in this study.