Financial performance as a measuring instrument to know the process of implementing financial resources owned by the company. The Covid-19 pandemic has impacted the banking sector, resulting in poor financing due to debtors' disbursements as a result of the large number of people losing their jobs and difficulties in financing payments. This research aims to analyze the financial performance of Islamic Banks during the Covid-19 pandemic, using records of annual financial statements from 2011 to 2020 through Multiple Linear Regression testing and linearity testing of the model used ramsey test. As a result of this study, the results of the t test found that the Capital Adequacy Ratio (CAR), Operating Costs to Operating Income (BOPO), Financing to Deposit Ratio (FDR) had a positive and significant effect on financial performance (ROA) while Not Performing Financing (NPF) had a negative and insignificant effect on financial performance (ROA). Furthermore, simultaneously capital adequacy ratio (CAR), Operating Costs to Operating Income (BOPO), Financing to Deposit Ratio (FDR) and Not Performing Financing (NPF) significantly influenced the financial performance (ROA) of Sharia banks in Indonesia.
<p><em><strong>Abstract - This study has a direction to explain the impact of BI Rate, FED Rate, and Inflation simultaneously, partially, and potentially dominant variable influence on the Composite Stock Price Index by conducting a multiple linear regression analysis. The data conducted is monthly data from January 2013 to December 2020 with a sample of 96 time series data for each free and bound variable. The analysis shows that BI Rate, FED Rate, and Inflation simultaneously have a significant effect on the Composite Stock Price Index. As the results of the analysis describe the first, BI Rate partially shows the negative influence on the Composite Stock Price Index; second, the FED Rate has no effect on the Composite Stock Price Index; third, inflation represents a negative influence on the Composite Stock Price Index. In the end, variables that affect the dominant potential of the Composite Stock Price Index are variables of Rupiah Exchange Rate. The results in this study explain the diversity of news on changes in the FED Rate so that investors are confident in their own self-assessment to provide results in investing in stocks.</strong></em></p><p><strong>Keywords: BI Rate, FED Rate, Inflation, Composite Stock Price Index.</strong></p>
Purpose: To assess the frequency, appropriateness, and radiation doses associated with multiphase computed tomography (CT) protocols for routine chest and abdomen–pelvis examinations in 18 countries. Materials and Methods: In collaboration with the International Atomic Energy Agency, multi-institutional data on clinical indications, number of scan phases, scan parameters, and radiation dose descriptors (CT dose–index volume; dose–length product [DLP]) were collected for routine chest (n = 1706 patients) and abdomen–pelvis (n = 426 patients) CT from 18 institutions in Asia, Africa, and Europe. Two radiologists scored the need for each phase based on clinical indications (1 = not indicated, 2 = probably indicated, 3 = indicated). We surveyed 11 institutions for their practice regarding single-phase and multiphase CT examinations. Data were analyzed with the Student t test. Results: Most institutions use multiphase protocols for routine chest (10/18 institutions) and routine abdomen–pelvis (10/11 institutions that supplied data for abdomen–pelvis) CT examinations. Most institutions (10/11) do not modify scan parameters between different scan phases. Respective total DLP for 1-, 2-, and 3-phase routine chest CT was 272, 518, and 820 mGy·cm, respectively. Corresponding values for 1- to 5-phase routine abdomen–pelvis CT were 400, 726, 1218, 1214, and 1458 mGy cm, respectively. For multiphase CT protocols, there were no differences in scan parameters and radiation doses between different phases for either chest or abdomen–pelvis CT ( P = 0.40-0.99). Multiphase CT examinations were unnecessary in 100% of routine chest CT and in 63% of routine abdomen–pelvis CT examinations. Conclusions: Multiphase scan protocols for the routine chest and abdomen–pelvis CT examinations are unnecessary, and their use increases radiation dose.
This study aims to determine sharia banking performance after the merger of Sharia Banks and Covid 19 pendemi by looking at the influence of NPF, FDR, BOPO, and CAR financial performance of Sharia Commercial Banks in the Period 2011-2020. This research uses quantitative research method with population in this research is all sharia commercial banks in Indonesia period 2011-2020. Data collection is done by library method from journal, article, or literature related to the required data, and documentation method of sharia commercial bank implementation report in question as well as data from OJK website. The research method used is a statistical descriptive test, descriptive test by analyzing ROA through ROA implementation report using content analysis method, classic assumption test, some regression test. Results show that the variables NPF, FDR, BOPO, and CAR are simultaneously financial performance of Sharia Commercial Banks in Indonesia in the period 2011-2020. Simultaneously, the variables of NPF, FDR, BOPO and CAR have a significant impact on the financial performance (ROA) of sharia commercial banks in Indonesia in the period 2011-2020. Based on the amount adjusted R2 is 0.979 which means that 97.9% of financial performance (ROA) of sharia commercial banks is influenced by independent variables, while 02.1% is influenced by other factors outside the research. Car partially had an insignificant positive effect on the financial performance (ROA) of sharia commercial banks in Indonesia in the period 2011-2020. Partially, NPF has an insignificant positive effect on the financial performance (ROA) of sharia commercial banks in Indonesia in the period 2011-2020. Partially BOPO has a significant negative effect on the financial performance (ROA) of sharia commercial banks in Indonesia in the period 2011-2020. Partially, FDR has an insignificant positive effect on the financial performance (ROA) of sharia commercial banks in Indonesia in the period 2011-2020.
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