This research is motivated by the conditions of the development of Islamic banking in Indonesia in order to grow and develop as expected, then Islamic banks are required to be able to suppress non-performing financing in order to improve performance. Financing on the financial performance of Islamic Commercial Banks. This study aims to develop an applicable model to determine the influence of the fundamental factors of the influence of Non Performing Financing on the financial performance of Islamic Commercial Banks in Indonesia. The approach used in this study is a juridical-empirical approach. The type of research is quantitative research and the methods used are descriptive and inductive methods. The research object is all Islamic Commercial Banks in Indonesia that have been operating actively during the research period. The type of data used is secondary data in the form of financial performance reports of Islamic commercial banks for the period 2010 to 2017, also supported by data from interviews. The data collection technique used the documentation method, and the data analysis technique used was descriptive analysis technique and inductive analysis. This study succeeded in proving that during the period 2010-2017. The influence of non-performing financing (NPF) factors on the financial performance of Islamic commercial banks both individually. In the first model, namely ROA (return on assets) as a measure of the financial performance of Islamic banks, during the period 2010-2017, NPF has a negative and significant influence on the financial performance of Islamic commercial banks (ROA). In the second model, namely NOM (net operating margin) as a measure of the financial performance of Islamic commercial banks during the period 2010-2017, the NPF variable has a negative but not significant effect on the financial performance of Islamic commercial banks as measured by the NOM ratio Abstrak Penelitian ini dilatarbelakangi oleh kondisi perkembangan perbankan syariah di Indonesia agar dapat tumbuh dan berkembang sesuai harapan, maka bank-bank syariah dituntut mampu menekan pembiayaan bermasalah agar dapat meningkatkan kinerja perlu dijelaskan determinan pembiayaan bermasalah, pengaruhnya terhadap kinerja keuangan perbankan syariah yang fokus kepada pengaruh Non Performing Financing terhadap kinerja keuangan Bank Umum Syariah. Penelitian ini bertujuan untuk menyusun model aplikatif untuk menentukan pengaruh faktor fundamental pengaruh Non Performing Financing terhadap kinerja keuangan Bank Umum Syariah di Indonesia. Pendekatan yang digunakan dalam penelitian ini adalah pendekatan yuridis-empiris. Jenis penelitian adalah penelitian kuantitatif dan metode yang digunakan adalah metode deskriptif dan induktif. Obyek penelitian adalah seluruh Bank Umum Syariah di Indonesia yang telah beroperasi aktif selama periode penelitian. Jenis data yang digunakan adalah data sekunder berupa laporan kinerja keuangan bank-bank umum syariah periode tahun 2010 sampai 2017, juga ditunjang dengan data hasil wawancara. Teknik pengumpulan data menggunakan metode dokumentasi, dan teknik analisis data yang digunakan adalah teknik analisis deskriptif dan analisis induktif. Penelitian ini berhasil membuktikan bahwa selama periode tahun 2010-2017. Pengaruh faktor non performing financing (NPF) terhadap kinerja keuangan bank umum syariah baik secara individual. Pada model pertama, yaitu ROA (return on assets) sebagai ukuran kinerja keuangan bank syariah, selama periode tahun 2010-2017, NPF memberikan pengaruh negatif dan signifikan terhadap kinerja keuangan bank umum syariah (ROA). Pada model kedua, yaitu NOM (net operating margin) sebagai ukuran kinerja keuangan bank umum syariah selama periode tahun 2010-2017, variable NPF memberikan pengaruh negatif namun tidak signifikan terhadap kinerja keuangan bank umum syariah yang diukur dengan rasio NOM.
Purpose of the study: Although many factors can influence innovative work behaviour, we may not know exactly which practices make a difference in influencing innovative work behaviour. This study aims to determine which positive and negative factors can affect the IWB theory understanding. Methodology: This study used a qualitative approach by a systematic review of the literature, the authors conducted a content analysis of 32 international journals. Main Findings: The analysis results gave evidence that transformational leadership, knowledge sharing, and organizational learning were positive factors in creating innovative work behaviour. Meanwhile, organizational politics, job insecurity, and transactional leadership were negative factors that could decrease innovative work behaviour. Applications of this study: The results of this study provide practical information for professional leaders and managers to develop employees’ innovative work behaviour that might help build an innovative environment. Novelty/Originality of this study: This study has a difference in terms of study approaches by looking at positive and negative factors that could affect innovative work behaviour in a literature review technique.
This article examines the efficiency of the education system and measures the effectiveness of public and private senior high schools in the city of Bandung. The samples for this study are 20 high schools in Bandung comprising 10 private schools and 10 public schools. A quantitative approach was utilized as the research design. The analytical tools used are multiple linear regression and Data Envelopment Analysis (DEA). The results showed that private high schools were more efficient than public high schools in Bandung with an average efficiency rate of 91.49%. The achievements of high school students in the city of Bandung are influenced by the number of teachers, number of staff, number of students, school expenses, and graduate teachers, while the teacher's teaching experience does not affect student achievement. Our findings show that private schools are more efficient than public schools. Meanwhile, the amount of the cost of attending private schools is higher, and they tend to serve a smaller, more affluent population. These results highlight the need for policymakers to consider the trade-off between efficiency and equity when making educational funding and resource allocation decisions.
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