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All Journal JURNAL BISNIS STRATEGI Diponegoro Journal of Management
Muhamad Syaichu
Jurusan Manajemen Fakultas Ekonomika Dan Bisnis Universitas Diponegoro
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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ANALISIS PENGARUH RETURN ON EQUITY, DEBT TO EQUITY RATIO, CURRENT RATIO, DAN PRICE TO BOOK VALUE TERHADAP RETURN SAHAM SYARIAH (Studi Kasus pada Perusahaan Yang Terdaftar Dalam Jakarta Islamic Index Periode 2011-2015 ) Anugrah, Agung; Syaichu, Muhamad
Diponegoro Journal of Management Volume 6, Nomor 1, Tahun 2017
Publisher : Faculty of Economics and Business Diponegoro University

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Abstract

This research aims to determine the influence of variables consisting of Return On Equity, Debt to Equity Ratio, Current Ratio, and privce to Book Value of the stock return of sharia in the companies belonging to the Jakarta Islamic Index (JII) in the year 2007-2011. Sharia stocks are stocks in Jakarta Islamic Index (JII) are corporations stocks while are in operation not contradiction with Islamic Sharia, either on the product or its management. The grouping of Sharia stocks are in Jakarta Islamic Index (JII) in the Jakarta Stock Exchange. This research uses secondary data obtained from the financial statements of companies belonging to the Jakarta Islamic Index (JII). Sampling was done by purposive sampling method, the number of samples used by 14 companies. The analytical method used in this research is multiple linear regression method. The results of this study indicate that the Return On Equity, Debt to Equity Ratio, Current Ratio and Price to Book Value simultaneously significant effect on stock returns. The results of the analysis of partial Return On Equity significant negative effect, while the Debt to Equity Ratio and Price to Book Value significant positive effect, the Current Ratio is not significant positive effect on stock returns. The results showed that 42.7% of variation variable stock returns can be explained by the variable Return On Equity, Debt to Equity Ratio, Current Ratio and Price to Book Value. While 57.3% stock return variable variation explained by other factors.
PENGARUH GOOD CORPORATE GOVERNANCE TERHADAP KINERJA PERUSAHAAN MANUFAKTUR DI INDONESIA YANG TERDAFTAR DI BEI Yuniarti, Mustika; Syaichu, Muhamad
Diponegoro Journal of Management Volume 7, Nomor 4, Tahun 2018
Publisher : Faculty of Economics and Business Diponegoro University

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Abstract

          This research aims to analyze the influence of  Good Corporate Governance to the performance of manufacturing companies. The variables tested in this research are board of director (DEDIR), board of commisioner (DEKOM), independent commissioner (KOMIND), concentrated ownership (CONSOWN), institutional ownership (INSTOWN), and managerial managerial (MANOWN) to ROA. In addition, in this study also use control variables size and leverage. Research objects for this study are manufacturing companies in Indonesia listed on BEI (Bursa Efek Indonesia).          This research was conducted by purposive sampling method at manufacturing companies in Indonesia which listed on BEI from 2012 until 2016. The number of samples obtained by 34 manufacturing companies. Secondary data used in this study is from annual financial report data downloaded through IDX official website and official website of each company. The method of analysis used in this study is multiple linear regression analysis with 5% significance level and previously performed classical assumption test that include normality test, multicolinearity test, autocorrelation test, and heteroscedasticity test.            The results of this research indicate that board of directors (DEDIR), board of commissioners (DEKOM), independent commissioners (KOMIND), concentrated ownership (CONSOWN), and managerial ownership (MANOWN) have no significant effect on ROA. While institutional ownership (INSTOWN) shows a significant negative effect on ROA. The control variable size does not show any significant effect on ROA. While leverage has a significant negative effect on ROA. Based on the result of determination coefficient board of directors (DEDIR), board of commissioner (DEKOM), independent commissioner (KOMIND), concentrated ownership (CONSOWN), institutional ownership (INSTOWN), managerial ownership (MANOWN), size and leverage have influence of 12.6% against ROA. While the remaining of 87.4% influenced by other variables that are not used in this study.
ANALISIS PENGARUH SUKU BUNGA, INFLASI, CAR, BOPO, NPF TERHADAP PROFITABILITAS BANK SYARIAH Wibowo, Edhi Satriyo; Syaichu, Muhammad
Diponegoro Journal of Management Volume 2, Nomor 2, Tahun 2013
Publisher : Faculty of Economics and Business Diponegoro University

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Abstract

Islamic Bank is well-known as a bank which is resistant to the global crisis that hitted Indonesia couple years ago. The performance of Islamic Bank could be maintained so that continuity of bussines also could be well maintained. Those performance could be measured by the size of the Islamic banking profitability. The factors affecting the profitability of Islamic banks used in this study are the interest rate, inflation, CAR, BOPO and NPF. While the purpose of this study was to determine the effect of interest rates, inflation, CAR, BOPO, and NPF toward the profitability of Islamic banks. The population used for the study is islamic banks whose financial statements have been published to Bank Indonesia from 2008 to 2011. For its Sampling in this study used purposive sampling obtained three  islamic banks. The data of this study used secondary data from the website of each bank and also Bank Indonesia. The method of data analysis which was used is multiple linear regression analysis. The results of this study indicate that the interest rate variabel has no effect on ROA, inflation had no effect on ROA, CAR had no effect on ROA and neither did NPF. While BOPO variabel had significant influence with negatif direction.
ANALISIS PENGARUH FAKTOR INTERNAL DAN FAKTOR EKSTERNAL TERHADAP TINGKAT PEMBIAYAAN BERMASALAH PADA BANK UMUM SYARIAH DI INDONESIA PERIODE TAHUN 2010-2014 Auliani, Mia Maraya; Syaichu, Muhamad
Diponegoro Journal of Management Volume 5, Nomor 3, Tahun 2016
Publisher : Faculty of Economics and Business Diponegoro University

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Abstract

Islamic banking at the moment is one of the important things in the economy of the country. Non Performing Financing became one ratio that is considered by the Islamic banking. NPF is an indicator that shows the risk of losses due to financing. The deterioration of the NPF ratio means Islamic banks have a high degree of financing problems. This study aimed to analyze the influence of internal and external factors of the NPF Islamic bank in Indonesia.The hypothesis testing use BOPO, CAR, FDR, SBIS, inflation and the exchange rate as an independent variable and the NPF ratio as the dependent variable. The population in this study are all Islamic banks in Indonesia. The sample used in this study is a quarterly financial report of Bank Syariah Mandiri, Bank Muamalat Indonesia, BRI Syariah, Bank Panin and Bank Syariah Bukopin Syariah 2010-2014 period and also the data of inflation and the exchange rate against the US dollar by using purposive sampling method. The data used is secondary data obtained from the financial statements can be downloaded from the official website of each bank and the official website of Bank Indoneisa. The analytical method used is multiple regression with a significance level of 5%.The result showing that in partial BOPO and SBIS influenced positive significant, while the CAR and inflation negative significant effect on the NPF Islamic banks. For FDR variables, inflation and exchange rate partially no effect on NPF. Simultaneously or together, variables BOPO, CAR, FDR, SBIS, inflation and exchange rate. Results of regression estimation show the predictive ability of the model 46,5%, while the remaining 53,5% influenced by other factors outside the model that has not been covered in this research.
ANALISIS PENGARUH SIZE, ROA, FDR, NPF DAN BOPO TERHADAP CAPITAL ADEQUACY RATIO PADA BANK UMUM SYARIAH DI INDONESIA PERIODE 2010-2014 Oktaviana, Rheza; Syaichu, Muhammad
Diponegoro Journal of Management Volume 5, Nomor 4, Tahun 2016
Publisher : Faculty of Economics and Business Diponegoro University

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Abstract

This research aims to analyze the influence of Size, Return On Asset (ROA), Financing to Deposits Ratio (FDR), Non Performing Financing (NPF), and Operating Expenses Operating Income (BOPO) to Capital Adequacy Ratio (CAR). Case study on Indonesian Islamic banks in 2010-2014.The number of sample used in this research were 11 banks. Secondary data were obtained from financial statements can be downloaded from the official website of each bank and the official website of Bank Indonesia covering the period of 2010 until the end of 2014. The analytical method used in this research is Multiple Linear Regression Analysis where previously performed classical assumption that includes Normality Test, Multicollinearity Test, Autocorellation Test, and Heteroskedastisitas Test with a significance level of 5%. The study found that Financing to Deposits Ratio (FDR) is positively significant influenced to Capital Adequacy Ratio (CAR). Meanwhile, Size and Non Performing Financing (NPF) are significant but negatively influenced to the Capital Adequacy Ratio (CAR). On the other hand, Return On Assets (ROA) and Operating Expenses Operating Income (BOPO) have no significant effect on capital adequacy of Indonesian Islamic bank. Based on the coefficient determination, variable Size, Return On Asset (ROA), Financing to Deposits Ratio (FDR), Non Performing Financing (NPF), and Operating Expenses Operating Income (BOPO) have 64,3% effect against Capital Adequacy Ratio (CAR). While the remaining 35,7% is influenced by other variables that are not used in this study.
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PROFITABILTAS PADA BANK UMUM SYARIAH DI INDONESIA PERIODE 2010-2014 Kumalasari, Yeyen; Syaichu, Muhamad
Diponegoro Journal of Management Volume 5, Nomor 3, Tahun 2016
Publisher : Faculty of Economics and Business Diponegoro University

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Abstract

This study using Capital Adequacy Ratio (CAR), Liquid Assets to Total Assets (LTA), market share of financing, and Net Interest Margin (NIM) as the independent variable and profitability ratio measured by ROA as the dependent variable. The sample in this study was obtained from a purposive sampling method and obtained five Islamic Banks that qualify as research sample is BCA Syariah, BRI Syariah, Bank Syariah Mandiri, Bank Mega Syariah and Bank Muamalat Indonesia in 2010-2014. This study using secondary data obtained from semi-annual financial statements that can be downloaded from the official website of each bank and the official website of Bank Indoneisa. The analytical method used in this study is Multiple Linear Regression Analysis with a significance level of 5%. The result showed that simultaneously CAR, LTA, market share of financing and NIM has significant effect on ROA of Islamic banks. Partially, variable CAR has negative significant effect, while the LTA, market share of financing and NIM has positive and significant effect on ROA of Islamic banks. Results of regression estimation showed the predictive ability of the model 52.2%, while 47.8% were influenced by other factors outside the model that has not been covered in this research.
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PEMBIAYAAN BERBASIS BAGI HASIL PADA PERBANKAN SYARIAH DI INDONESIA PERIODE 2010-2014 Asri, Aida Sania; Syaichu, Muhamad
Diponegoro Journal of Management Volume 5, Nomor 3, Tahun 2016
Publisher : Faculty of Economics and Business Diponegoro University

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Abstract

Islamic banking is a financial institution that serves as an intermediary between the parties that have surplus funds and those who need funds. As intermediary institution, Islamic bank perform its role by channeling funds for financing. There are several products of financing that provided by Islamic bank, one of them is profit and loss sharing based of financing. The attempt of Islamic bank in channeling its funds for financing was not apart from the risks, therefore good management and control are needed. Islamic bank should observe the factors that may affect on financing. The purpose of this study was to analyze the factors that influence profit and loss sharing based of financing of Islamic bank.The population in this study was Islamic commercial banks in Indonesia, which consists of 12 banks. The samples used are selected using purposive sampling technique and there are 4 banks that meet the criteria. The data used in this study are secondary data that obtained from quarterly financial reports of Islamic bank during the period of 2010-2014, and the number of observation points is 100. The method of data analysis used in this study is multiple linear regression analysis with significant level of 5%.The results showed that simultaneously, the five independent variables include equivalent rate, FDR, CAR, NPF, and SWBI are significantly influence to profit and loss sharing based of financing. Partially, SWBI has positive significant effect on profit and loss sharing based of financing and CAR influence significantly negative to profit and loss sharing based of financing, while equivalent rate, CAR and NPF didn’t influence to profit and loss sharing based of financing. Result of regression estimation show that the predictive ability of the model was 70.2%, while the remaining 29.8% was influenced by other factors outside the model.
ANALISIS PENGARUH BANK INCOME STRUCTURE TERHADAP RISIKO BANK SYARIAH DI INDONESIA (Studi kasus pada Bank Umum Syariah yang terdaftar di Bursa Efef Indonesia periode 2011-2015) Yunita, Nurul; Syaichu, Muhamad
Diponegoro Journal of Management Volume 6, Nomor 4, Tahun 2017
Publisher : Faculty of Economics and Business Diponegoro University

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Abstract

The research objective is to analyze influence of independent variables which consist of profit and los sharing (PLS), non profit and loss sharing (NonPLS), and commission and fee (COM) to risk. Selection of sample use purposive sampling method. Purposive sampling method is the method which based on certain criteria. The sample that used in this study are eleven of Islamic bank for period 2011 to 2015. Quantitative data for this study get from Bank Indonesia and monthly financial report of Islamic bank. The data were analyzed by linear regression analysis using SPSS version 16.0 where previously performed classical assumption that includes Normality Test, Multicollinearity Test, Autocorrelation Test and Heterokedastisitas Test with level of significance 5%.The result of t test shows that profit and los sharing (PLS) and non profit and los sharing (NonPLS) have negative and significant influence to risk of Islamic bank. Commission and fee (COM)  have negative but not significant influence to risk. Based on the result of this count, PLS and non profit and los sharing (NonPLS) variable prove to have negative and significant influence to risk Islamic bank and it’s known that Commission and fee (COM) variable has no effect to risk Islamic bank.
INDONESIAN BANKS RISK-TAKING: THE EFFECT OF LIQUIDITY RISK, CAPITAL BUFFER AND BOPO: Z-SCORE MEASURE ASPPROACH Yuwonoputro, Dhanesworo Arsojotegto; Syaichu, Muhamad
Diponegoro Journal of Management Volume 8, Nomor 3, Tahun 2019
Publisher : Faculty of Economics and Business Diponegoro University

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Abstract

This study was aimed to examine the effect of liquidity risk, capital buffer and BOPO on banks risk-taking in Indonesia. This study used loan to deposit ratio, non-performing loan, liquidity gap, capital buffer and BOPO as independent variable and banks risk-taking proxied by Z-Score as dependent variable.This study used secondary data retrieved from banking companies’ annual reports listed on Indonesia Stock Exchange Index (IDX) in 2013-2017. Sample used in this study were 110 samples consist of 22 Indonesian banks taken using purposive sampling method. This study used multiple linear regression as analysis method.The results of this study indicate that non-performing loan and BOPO have a positive and significant effect on banks risk-taking. Capital buffer has a negative and significant effect on bank risk-taking, while loan to deposit ratio has a positive and insignificant effect on banks risk-taking and liquidity gap has a negative and insignificant effect on banks risk-taking.
ANALISIS FAKTOR- FAKTOR YANG MEMPENGARUHI KINERJA KEUANGAN BANK UMUM SYARIAH DI INDONESIA Rodliyah, Syamsiati; Syaichu, Muhamad
Diponegoro Journal of Management Volume 10, Nomor 1, Tahun 2021
Publisher : Faculty of Economics and Business Diponegoro University

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Abstract

Banks, especially Islamic banks, have a very important role in the wheels of economic turnover in Indonesia, the majority of which are Muslim. Bank as an intermediary institution channeling funds from excess parties to those in need. The development of Islamic banks in Indonesia is certainly inseparable from several factors that affect the improvement in performance. The purpose of this study is to analyze the effect of income diversification (ID), asset diversification (AD), bank fficiency (EFF), equity to assets (ETA) and non-performing financing (NPF) on return on assets (ROA) of Islamic banks. The population used as a sample in this study is Islamic commercial banks whose financial statements have been published to Bank Indonesia for the period 2014 to 2018. Sampling uses purposive sampling or intentional sampling for specific purposes. The data of this study uses secondary data derived from the websites of each bank and Bank Indonesia. The data analysis method used is multiple linear regression analysis. The results of this study indicate that asset diversification (AD), equity to assets (ETA) have a significant positive effect and bank fficiency (EFF) have a significant negative effect on return on assets (ROA). While variable income diversification (ID) and non-performing financing (NPF) have no effect at all on the variable return on assets (ROA).
Co-Authors Aida Sania Asri, Aida Sania Anugrah, Agung Edhi Satriyo Wibowo Ikrom, Ahmadul Imanullah, Wahyu Rachmaditya Mia Maraya Auliani, Mia Maraya NIHAYATI, AINI NURSATYANI, ANISA Oktaviana, Rheza Puspito, Novia Ike Putra, Adhyasa Rodliyah, Syamsiati Sugeng Wahyudi, Sugeng Yeyen Kumalasari, Yeyen Yuniarti, Mustika Yunita, Nurul Yuwonoputro, Dhanesworo Arsojotegto