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FAKTOR DETERMINASI FUNGSI INTERMEDIASI PERBANKAN SYARIAH DI INDONESIA Eva Eflinda; Prihantoro Prihantoro
Jurnal Ilmiah Ekonomi Bisnis Vol 23, No 2 (2018)
Publisher : Universitas Gunadarma

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (640.849 KB) | DOI: 10.35760/eb.2018.v23i2.1826

Abstract

The condition of national economic growth has not had a significant impact on improving the community economy. One of the indications can be seen from the high level of open unemployment in 2009. This happened because of complaints from businessmen who felt the difficulty to obtain capital injection from bank as an important source for increasing their production capacity. So that, the intermediation function of Indonesian banking still needs to be questioned. Especially in syariah banking, the role of intermediation function can be seen from the Financing to Deposit Ratio (FDR) indicator. FDR of syariah banking in 2009 showed a degredation from previous years. It indicates a further gap between collected and channeled funds through financing in syariah banking. So it is possible to make a study about the analysis of factors that can affect the banking intermediation function, especially syariah banking. This study aims to identify the factors that influence the intermediation function of syariah banking in Indonesia. The analytical tool used in this study is the "distributed-lag model" model. In this model the analysis carried out multiple linear regression analysis, multiple correlation, calculation of determination coefficient value, and hypothesis check with T-test and F-test. The conclusion is about the existence of  a significant relationship between NPF, SBIS, GDP and CSPI in cooperation with FDR. Partially, NPF has a significantly positive relationship with FDR, meanwhile SBIS and IHSG have a significantly negative relationship with FDR, and for GDP there is no significant relationship with FDR.
DETERMINASI PERBANKAN SYARIAH DI INDONESIA Ariza Karina Putri; Beni Antomi; Putri Melisa; Tri Amar Prasetyo; Heni Noviarita
Business and Enterpreneurship Journal (BEJ) Vol 2, No 1 (2021)
Publisher : Business and Enterpreneurship Journal (BEJ)

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Abstract

The good performance of Islamic banking in Indonesia can result in advancing the national economy in Indonesia. Thus this study aims to find out how the determinants of Islamic banking performance influence and also to determine the effect of CAR, NPF, FDR, BOPO and NOM variables on ROA both partially and simultaneously during 2011-2016. This study uses panel data regression analysis. The research object consists of Islamic Commercial Banks in Indonesia with annual data from 2011 to 2016. The dependent variable (Y) used in panel data is ROA and the independent variable (X) consists of CAR, NPF, FDR, BOPO and NOM. shows that the variables affecting the profitability (ROA) of BUS during 2011- 2016, namely CAR, NPF and NOM have a significant positive effect on ROA, while FDR and BOPO have a significant negative effect on ROA. In addition, the CAR, NPF, FDR, BOPO, and
DETERMINASI PERBANKAN SYARIAH DI INDONESIA Ariza Karina Putri; Beni Antomi; Putri Melisa; Tri Amar Prasetyo; Heni Noviarita
Business and Enterpreneurship Journal (BEJ) Vol 2, No 1 (2021)
Publisher : Universitas Mitra Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57084/bej.v2i1.1015

Abstract

The good performance of Islamic banking in Indonesia can result in advancing the national economy in Indonesia. Thus this study aims to find out how the determinants of Islamic banking performance influence and also to determine the effect of CAR, NPF, FDR, BOPO and NOM variables on ROA both partially and simultaneously during 2011-2016. This study uses panel data regression analysis. The research object consists of Islamic Commercial Banks in Indonesia with annual data from 2011 to 2016. The dependent variable (Y) used in panel data is ROA and the independent variable (X) consists of CAR, NPF, FDR, BOPO and NOM. shows that the variables affecting the profitability (ROA) of BUS during 2011- 2016, namely CAR, NPF and NOM have a significant positive effect on ROA, while FDR and BOPO have a significant negative effect on ROA. In addition, the CAR, NPF, FDR, BOPO, and
DETERMINASI RISIKO KREDIT PADA PERBANKAN SYARIAH INDONESIA Achmad, Achmad; Fauzi, Ahmad
Jurnal Ekonomi Integra Vol 15, No 2 (2025): Vol 15, No 2 (2025): Jurnal Ekonomi Integra
Publisher : STIE 'INDONESIA' Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51195/iga.v15i2.408

Abstract

Islamic banking is an essential component of the global financial system, offering financial products and services based on Sharia principles. One of the key challenges faced by Islamic banks is the risk of non-performing financing (NPF), as financing is their primary product. This study aims to analyze the factors influencing NPF in Islamic commercial banks in Indonesia during the period 2019–2023, using panel data regression analysis. The results show that the Operating Cost to Operating Income ratio (OCOI), Capital Adequacy Ratio (CAR), Return on Assets (ROA), and Financing to Deposit Ratio (FDR) do not have a statistically significant effect on NPF. Although OCOI does not show a direct impact, a high increase in OCOI may reduce resources allocated for risk management, potentially increasing NPF if portfolio oversight is weak. CAR reflects capital adequacy but does not necessarily indicate financing quality. High ROA does not always ensure proportionate risk management, especially during aggressive financing expansion. FDR also shows no significant impact, as the profit-sharing system in Islamic banking allows for risk-sharing between banks and customers.
Determinasi Pembiayaan Modal Kerja Usaha Mikro Kecil dan Menengah pada Perbankan Syariah di Indonesia Nadia; Susanti, Widya; Muda, Iskandar; Soemitra, Andri; Yusrizal, Yusrizal
Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (Jebma) Vol. 5 No. 2 (2025): Artikel Riset Juli 2025
Publisher : Yayasan Cita Cendikiawan Al Kharizmi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47709/jebma.v5i2.6178

Abstract

Latar belakang: Usaha Mikro, Kecil, dan Menengah (UMKM) memiliki peran krusial dalam perekonomian Indonesia, terutama dalam menciptakan lapangan kerja dan mendorong pertumbuhan ekonomi inklusif. Namun, keterbatasan akses terhadap pembiayaan modal kerja masih menjadi kendala utama yang dihadapi UMKM. Perbankan syariah, sebagai lembaga keuangan yang berbasis prinsip keadilan dan kemitraan, memiliki potensi besar dalam menyediakan pembiayaan yang sesuai bagi UMKM. Meski demikian, penyaluran pembiayaan oleh bank syariah sangat dipengaruhi oleh variabel makroekonomi seperti inflasi, nilai tukar (kurs), dan Capital Adequacy Ratio (CAR). Penelitian ini bertujuan untuk menganalisis pengaruh inflasi, kurs, dan CAR terhadap pembiayaan modal kerja UMKM oleh perbankan syariah di Indonesia dalam jangka pendek dan panjang. Metode: Penelitian ini menggunakan pendekatan kuantitatif dengan metode Vector Error Correction Model (VECM) dengan menggunakan E-Views13 yang diestimasi berdasarkan data time series bulanan periode 2016–2024. Hasil: Hasil penelitian menunjukkan bahwa kurs berpengaruh signifikan dan positif terhadap pembiayaan modal kerja baik dalam jangka pendek maupun panjang. CAR berpengaruh negatif dan signifikan dalam jangka panjang, namun tidak signifikan dalam jangka pendek. Sementara itu, inflasi tidak memiliki pengaruh signifikan terhadap pembiayaan modal kerja dalam kedua horizon waktu. Kesimpulan: Kurs dan CAR merupakan determinan utama dalam pembiayaan modal kerja UMKM oleh perbankan syariah, sedangkan inflasi memiliki pengaruh yang sangat terbatas. Temuan ini diharapkan dapat menjadi dasar bagi perbankan syariah dan regulator dalam merumuskan strategi pembiayaan yang adaptif terhadap dinamika makroekonomi untuk mendukung pertumbuhan UMKM secara berkelanjutan
Determinasi kinerja perbankan syariah di Indonesia: peran moderasi good corporate governance Azzahra, Helvyana Rossa; Setiabudi Nugroho, Hendrato
Borobudur Accounting Review Vol. 5 No. 1 (2025)
Publisher : Universitas Muhammadiyah Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31603/bacr.13734

Abstract

Tingginya dinamika sektor perbankan syariah di Indonesia diiringi dengan tantangan besar dalam menjaga efisiensi pengelolaan dana, kestabilan likuiditas, serta peningkatan kinerja keuangan yang berkelanjutan. Dalam konteks kompetisi yang semakin ketat, bank syariah dituntut mampu mengelola sumber dana eksternal secara optimal, menjaga rasio likuiditas yang sehat, serta mengendalikan biaya operasional secara efisien. Tujuan penelitian ini adalah menganalisis pengaruh dana pihak ketiga, likuiditas, dan efisiensi biaya operasional terhadap kinerja perusahaan, serta peran moderasi good corporate governance dalam hubungan tersebut. Penelitian ini menggunakan pendekatan kuantitatif dengan data sekunder diperoleh dari laporan keuangan dan keberlanjutan dari tiga perusahaan perbankan syariah. Hasil penelitian menunjukkan bahwa dana pihak ketiga dan efisiensi biaya operasional berpengaruh negatif terhadap kinerja perusahaan, sementara likuiditas tidak berpengaruh. Good corporate govenance terbukti memperkuat pengaruh efisiensi biaya operasional terhadap kinerja perusahaan, tetapi tidak memoderasi pengaruh dana pihak ketiga dan
Determinasi Kepemilikan Manajerial dan Institusi terhadap Kebijakan Dividen pada Perbankan Syariah di Indonesia Setiawan, Setiawan
Journal of Applied Islamic Economics and Finance Vol. 5 No. 1 (2024): Journal of Applied Islamic Economics and Finance (Oktober 2024)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/jaief.v5i1.6388

Abstract

This study examines the impact of managerial and institutional ownership on dividend policy in Indonesia’s Islamic banking sector. Managerial and institutional ownership serve as independent variables, with dividend policy, proxied by the Dividend Payout Ratio (DPR), as the dependent variable. Control variables include Return on Assets (ROA), bank size, bank age, and asset growth. The findings indicate that neither managerial nor institutional ownership significantly impacts dividend policy, suggesting that manager-owners are more likely to retain earnings to support long-term growth, while institutional investors prefer capital gains over cash dividends. Bank size shows a significant positive effect on DPR, indicating that larger banks tend to distribute a higher proportion of profits as dividends. These results align with theories suggesting that firms with higher funding needs retain earnings for reinvestment, supporting prior studies that managerial and institutional ownership are not significant determinants of dividend policy in Islamic banking.

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