The risk of financing is the risk caused by the failure of the customers to fulfill their obligations. Non-performing financing (NPF) is a representation of financing risk that is channeled and has a direct impact on bank profitability. The value of NPF tends to increase annually with a value that is already close to the maximum limit set by Bank Indonesia of 5 percent. This condition is able to lead to the inefficiency of the banking system and in the long run, will have an impact on the sustainability of the bank. Therefore, the analysis of NPF factors should be conducted as a preventive measure and a risks controller of business activities. This research analyzes the factors influencing NPF at sharia banking (BUS) using a quarterly datafrom first quarter of 2012 until third quarter 2016. Method used in this research is panel data analysis. The result of analysis shows that the factors influencing NPF negatively and significantly are ratio of revenue sharing financing (RR), Return on Assets (ROA), inflation, Capital Adequacy Ratio (CAR) and Banksize while Gross Domestic Product (GDP) and Operating Cost to Operating Income (BOPO) have a significant positive effect. Risiko pembiayaan adalah risiko yang disebabkan oleh adanya kegagalan nasabah dalam memenuhi kewajibannya. Non-PerformingCorresponding author; email: 1 jaenfendi@gmail.com, 2 thiaranyusy@ymail.com,
there is a gap between the potency and real data of cash waqf raising in indonesia. hence, an effective strategy is needed to develop the potential of cash waqf. this research aimed to analyze whether the islamic Bank can be an alternative to the institutional development of cash waqf in indonesia (nazhir) and analyze the strategies needed to optimize the cash waqf management. this research used descriptive quantitative and qualitative approaches based on literature studies, observation, and questionnaires by using an analytical network process (anp) method. the alternative selection of cash waqf management strategy through competent and professional Nazhir is determined by five criteria; including Accountability, Product, human resources, regulation, and network. in nazhir selection's analysis in optimizing cash waqf management, these five criteria have an important role in accordance with their respective functions to produce management strategies and cash waqf development through competent and professional nazhir. the results showed that islamic Banking is the most recommended nazhir in determining the potential strategy of cash waqf development with the highest weighted score. Accountability is the most influential criterion in determining the cash waqf development strategy with professionalism in management as the most influential sub-criteria.
Sektor keuangan merupakan salah satu sektor yang dapat mempengaruhi pertumbuhan ekonomi regional dan memegang peranan penting dalam memicu pertumbuhan ekonomi suatu daerah. Penelitian ini bertujuan melihat pengaruh sektor keuangan dari Badan Perkreditan Rakyat terhadap Perekonomian Regional di wilayah Sulawesi. Metode analisis yang digunakan ialah Analisis Regresi Komponen Utama. Diperoleh hasil bahwa perkembangan sektor keuangan dari Bank Perkreditan Rakyat terhadap perekonomian regional di wilayah Sulawesi yang terdiri dari variabel sektor keuangan yaitu aset BPR, jumlah kredit yang disalurkan oleh BPR, Dana Pihak Ketiga BPR dan jumlah BPR berbadan hukum masing-masing mempengaruhi peningkatan pertumbuhan ekonomi regional di wilayah Sulawesi secara positif dan signifikan. Jumlah BPR berbadan hukum memiliki pengaruh yang paling signifikan terhadap peningkatan perekonomian regional di wilayah Sulawesi. Oleh karenanya sebagai masukan saran atau rekomendasi maka Pemerintah daerah, otoritas moneter dan OJK dalam pelaksanaannya perlu bersinergi dengan kementerian, perbankan, lembaga domestik guna meningkatkan peran sektor keuangan dari BPR diantaranya berkaitan dengan pembentukan akumulasi modal fisik dan pemeratan persebaran kredit BPR yang berdampak terhadap pembangunan kewilayahan di wilayah Sulawesi.
As intermediary institutions, conventional banks have larger amount of loans to third party funds than of Sharia banks. Thus, the bank needs a performance appraisal to measure banking operations through efficiency. We examine the efficiency of Islamic banks and conventional banks in Indonesia and analyzes the factors that influence the level of efficiency known as the Two-Stage Data Envelopment Analysis method. We found that there are significant efficiency differences between Islamic banking and conventional banking in the 1 st quarter 2014-4 th quarter 2017. On the other hand, NPF and NPL results affected negatively towards Islamic and conventional banks efficiency. Asset and CAR affected positively significant toward Islamic banks efficiency. Asset and ROA had affected positively significantly toward conventional banks efficiency but CAR had affected positively insignificantly toward conventional banks. Lastly, ROA had affected positively insignificantly toward Islamic banks efficiency AbstrakBank sebagai lembaga keuangan memiliki peran penting bagi pertumbuhan ekonomi Indonesia. Peran penting tersebut terlihat dari fungsi bank sebagai lembaga perantara, yaitu sebagai penghubung antara pihak kelebihan dan kekurangan dana. Agar fungsi perantara optimal, bank harus memberikan kinerja terbaik untuk meningkatkan kesejahteraan masyarakat. Pengukuran efisiensi adalah salah satu indikator kinerja perbankan yang membutuhkan perhatian, dimana hasil pengukuran ini digunakan sebagai bahan evaluasi untuk terus meningkatkan kinerja perbankan. Tujuan kajian ini mengukur efisiensi Bank Syariah dan Bank konvensional di Indonesia serta menganalisa faktor yang memengaruhi tingkat efisiensi yang dikenal dengan metode Two-Stage Data Envelopment Analysis. Hasil kajian menunjukkan bahwa ada perbedaan efisiensi yang signifikan antara perbankan Syariah dan perbankan konvensional pada Triwulan 1 2014-Triwulan 4 2017. Variabel Aset berpengaruh positif signifikan pada kedua efisiensi bank, sedangkan NPF/NPL berpengaruh negatif tidak signifikan terhadap dua efisiensi bank. Variabel ROA berpengaruh positif signifikan pada efisiensi bank konvensional dan berpengaruh positif tidak signifikan pada efisiensi bank syariah. Untuk variabel CAR berpengaruh positif signifikan pada efisiensi bank syariah dan berpengaruh positif tidak signifikan pada bank konvensional. How to Cite: Majdina, N., Munandar, J. M., & Effendi, J. (2019). The determinant factors of efficiency on Islamic banking and conventional banking in Indonesia. Jurnal Keuangan dan Perbankan, 23(3), 454-468.
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