Analisis Faktor-Faktor Yang Mempengaruhi Return on Assets Pada Bank Umum Syariah Dan Unit Usaha Syariah (Periode 2010-2013)

Sukardi, Budi

doi:10.25134/jrka.v2i1.443

Cited by 4 publications

(5 citation statements)

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“…Beberapa rasio, antara lain rasio likuiditas, rasio solvabilitas, rasio aktivitas, rasio rentabilitas, dan rasio penilaian, dapat digunakan sebagai alat ukur. Menemukan masalah dengan status keuangan bank adalah tujuan utama dari analisis laporan keuangan, khususnya bank syariah (Budi Sukardi, 2016).…”

Section: Pendahuluanunclassified

Pengaruh Rasio Keuangan Terhadap Pembiayaan Bermasalah PT Bank Muamalat Tbk

Sari¹,

Nur²,

Sukardi³

2023

JIPSYA

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Tujuan dari studi penelitian ini ialah untuk menguji apakah dampak pengaruh dari rasio keuangan terhadap pembiayaan bermasalah PT Bank Muamalat Tbk dengan indikator seluruh rasio keuangan meliputi rasio keuangan likuditas (FDR), solvabilitas (ROA), (ROE), (NIM) dan biaya operasional (BOPO) serta rentabilitas (CAR). Populasi penelitian dengan mengacu pada laporan keuangan pada PT Bank Muamalat Tbk tahun 1998 hingga 2021 menggunakan metode purposive sampling untuk pengambilan sampel. Dalam studi penelitian ini data diolah dengan alat analisis yaitu aplikasi olah data Eviews 12 menggunakan Metode Least Square (LS) yang menghasilkan nilai parameter model penduga yang lebih tepat, apakah model tersebut menyimpang dari asumsi klasik ataupun tidak serta merupakan teknik peramalan yang menggunakan data deret waktu untuk mengidentifikasi suatu tren tertentu. Digunakan dalam studi penelitian ini, untuk mengolah data dan menguji Asumsi Klasik menggunakan uji regresi linear berganda (Multikolinearitas, Autokorelasi, Heteroskedastisitas, Normalitas, dan Linearitas) serta regresi linier berganda juga diuji. Temuan penelitian ini menunjukkan bahwasanya likuiditas tidak berpengaruh terhadap NPF Nett, rentabilitas berpengaruh terhadap NPF Nett pada variabel ROA, ROE, NIM. Sedangkan variabel BOPO pada rentabilitas tidak memiliki pengaruh terhadap NPF Nett. Serta solvabilitas terbukti signifikan berpengaruh terhadap NPF Net. Dalam hal ini, CAR yang menilai kecukupan modal yang dimiliki suatu bank untuk menentukan solvabilitas berpengaruh terhadap tingkat berapa pembiayaan bermasalah yang terjadi di PT Bank Muamalat Tbk.

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Section: Pendahuluanunclassified

Pengaruh Rasio Keuangan Terhadap Pembiayaan Bermasalah PT Bank Muamalat Tbk

Sari¹,

Nur²,

Sukardi³

2023

JIPSYA

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“…One indicator to assess a bank's financial performance is to look at its profitability. The higher the profitability, the better the company's financial performance (Budi Sukardi, 2016).…”

Section: Introductionmentioning

confidence: 99%

The Effect of Alma Relationship Implementation On Sharia Bangking In Indonesia

Qur'anna,

Khoiriyah

2024

ISBANK

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This study aims to determine the effect of Asset Liability Management on the financial performance of Sharia Commercial Banks in 2017-2022. Asset Liability Management is the activity of optimizing the balance sheet structure of Islamic banks with various alternatives available to maximize profits while limiting risk to a minimum. The research method used in this study is quantitative, with multiple linear regression analysis using analytical methods with the help of the SPSS program, tests carried out such as regression tests and classical assumption tests with exogenous variables, namely Asset Liability Management and endogenous variables are financial performance. This research takes data from the annual financial statements of Islamic Commercial Banks, data obtained from the website of the Financial Services Authority in the financial statements for the year at Islamic commercial banks for the 2017-2022 period. In determining the sample used is purposive sampling, namely the determination of samples based on criteria, namely banking companies registered with Sharia Commercial Banks during 2017-2018. This study found that ALMA on the CAR and FDR variables had no effect on Financial Performance on the ROA variable. Meanwhile, NIM affects Financial Performance on the ROA variable. Application of ALMA to financial performance. The results of data processing show that CAR has no effect on ROA with a significant value of 0.165 and NIM has an effect on ROA with a significant value of 0.022 while FDR has no effect on ROA with a significant value of 0.135.

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“…FDR describes the level of a bank's ability to return withdrawals made by depositors by relying on the financing provided as a source of liquidity (Suryadi et al, 2022). The larger this ratio indicates that the bank has more aggressive liquidity, while the smaller this ratio indicates that more third party funds are not used to place them on credit (Budi Sukardi, 2016). When a bank distributes large amounts of financing, the level of liquidity at the bank will also increase and the bank is likely to earn greater profits.…”

Section: Introductionmentioning

confidence: 99%

Effect of Inflation, Exchange Rate, Implementation of Good Corporate Governance (GCG), and Financing to Deposit Ratio (FDR) on Sharia Commercial Bank Financing Risks in Indonesia 2019-2022

Orsita Asmu Putri,

Putri

2023

JUEBIR

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The large number of products offered by banks, especially financing,causes greater potential risks that will occur which can be influencedby various factors. Therefore, the aim of this research is to determinethe influence of Inflation, Exchange Rates, Implementation of GoodCorporate Governance (GCG), and Financing to Deposit Ratio (FDR) ininfluencing Financing Risk as proxied by Non-Performing Financing(NPF) in Commercial Banks Sharia in Indonesia 2019-2022. The dataused in the research is secondary data, namely annual financialreports and Good Corporate Governance (GCG) reports for 2019-2022. The population of this research is Islamic commercial banks inIndonesia with a sampling technique, namely purposive sampling. Theregression analysis method used is panel data using Eviews 10. Theresearch results show simultaneously that Inflation, Exchange Rates,Good Corporate Governance (GCG) have a significant effect on Non-Performing Financing (NPF). However, partially it shows that (1)Inflation, Exchange Rates, and Financing to Deposit Ratio (FDR) haveno effect on Non-Performing Financing (NPF), (2) Good CorporateGovernance (GCG) has a significant positive effect on Non-PerformingFinancing (NPF).

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Analisis Faktor-Faktor Yang Mempengaruhi Return on Assets Pada Bank Umum Syariah Dan Unit Usaha Syariah (Periode 2010-2013)

Cited by 4 publications

References 0 publications

Pengaruh Rasio Keuangan Terhadap Pembiayaan Bermasalah PT Bank Muamalat Tbk

Pengaruh Rasio Keuangan Terhadap Pembiayaan Bermasalah PT Bank Muamalat Tbk

The Effect of Alma Relationship Implementation On Sharia Bangking In Indonesia

Effect of Inflation, Exchange Rate, Implementation of Good Corporate Governance (GCG), and Financing to Deposit Ratio (FDR) on Sharia Commercial Bank Financing Risks in Indonesia 2019-2022

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