DETERMINANTS OF SHARIA BANKING PROFITABILITY: Empirical Studies in Indonesia 2011-2020

Rizal, Fitra; Rofiqo, Azidni

doi:10.21154/elbarka.v3i1.2051

Cited by 10 publications

(13 citation statements)

References 0 publications

Supporting

Mentioning

Contrasting

Unclassified

Order By: Relevance

“…This is indicated by the better ROE ratio for the last 3 (2018-2020) which shows a positive number after the previous period suffered losses. These results are in line with and support the results of previous studies such as those of Sarasi et al (2020), Rizal and Rofiqo (2020), Kinanti and Purwohandoko (2017) and Rizal (2016) empirically found the effect of NPF on profitability.…”

Section: The Effect Of Npf On Profitabilitysupporting

confidence: 93%

“…This of course has an impact on decreasing the level of profitability. This concept is supported by empirical results conducted by Sarasi et al (2020), Rizal and Rofiqo (2020), Kinanti and Purwohandoko (2017) and Rizal (2016) who found the effect of NPF on profitability. The higher the NPF ratio, the risk of NPF in Islamic banks will also increase.…”

Section: H1: Npf Affects Ps/rs and Pls Financingsupporting

confidence: 60%

“…Conceptually it can be said that the greater the TPF that have been collected by Islamic banks can increase the profitability of Islamic banks due to the increase in margin income, fees and profitsharing obtained by Islamic banks. Rizal and Rofiqo (2020), Diana and Huda (2019), Hermuningsih (2019) and Kinanti and Purwohandoko (2017) found the influence of TPF on the profitability of Islamic banks.…”

Section: H4: Tpf Affects Ps/rs and Pls Financingmentioning

confidence: 98%

“…The empirical findings show contradictory results regarding the effect of NPF on profitability. Saras et al ( 2020), Rizal and Rofiqo (2020), Kinanti and Purwohandoko (2017) and Rizal (2016) empirically found the effect of NPF on profitability, on the other hand, Sutrisno (2020), Wirman (2017) and Jatmiko et al (2017) did not find the effect of NPF on profitability. All previous studies still use multiple linear regression analysis with SPSS, the current study tries to use a different analytical technique, namely partial least squares (PLS) involving a longer time period of 6 years (2015)(2016)(2017)(2018)(2019)(2020).…”

Section: Introductionmentioning

confidence: 99%

See 3 more Smart Citations

The Effect of Non-Performing Financing and Third Party Funds on the Profitability Through Ps/Rs and PLS Financing

2021

ijibfr

View full text Add to dashboard Cite

This research is motivated by the phenomenon of increasing PS/RS and PLS financing and profitability at Islamic Commercial Banks (BUS) in Indonesia during the 2015-2019 period, and experiencing a decline from 2019 to 2020. PS/RS and PLS financing can use mudharabah and musharakah contract schemes. Mudharabah financing is based on profit sharing, while Musharaka is based on profit-loss sharing. This study aims to obtain empirical evidence regarding the effect of non-performing financing and third-party funds on profitability through PS/RS and PLS financing. The population used in this study were all Islamic Commercial Banks in Indonesia in the 2015-2020 period. The data analysis technique used is Partial Least Square with SmartPLS software version 3. The results of the study found a direct effect of non-performing financing on profitability. The results of the study did not find a direct effect of non-performing financing on PS/RS and PLS financing. In addition, third party funds do not have a direct effect on profit-sharing and profitability-based financing. The results also did not find an indirect effect of non-performing financing and third-party funds on profitability.

show abstract

Section: The Effect Of Npf On Profitabilitysupporting

confidence: 93%

Section: H1: Npf Affects Ps/rs and Pls Financingsupporting

confidence: 60%

Section: H4: Tpf Affects Ps/rs and Pls Financingmentioning

confidence: 98%

Section: Introductionmentioning

confidence: 99%

See 2 more Smart Citations

The Effect of Non-Performing Financing and Third Party Funds on the Profitability Through Ps/Rs and PLS Financing

2021

ijibfr

View full text Add to dashboard Cite

show abstract

“…Kredit maupun pembiayaan yang bermasalah atau non performing financing (NPF) akan berdampak pada return on asset (ROA) atau profitabilitas bank (Putrianingsih & Yulianto, 2016;Rizal, 2016;Rizal & Rofiqo, 2020 (Mahmudah & Harjanti, 2016;Simatupang & Franzlay, 2016). (Ubaidillah & Aji, 2020).…”

unclassified

Dampak Implementasi Restrukturisasi Pembiayaan terhadap Likuiditas Bank Syariah pada Situasi Pandemi Covid-19

Kholiq

Rahmawati

2020

elbarka

View full text Add to dashboard Cite

The Covid-19 pandemic has had a significant impact in all aspects of human life, such as in the health, education, social, economic and banking sectors. To restore the economic and banking sectors, the government through The Financial Services Authority issued Peraturan Otoritas Jasa Keuangan Republik Indonesia Nomor 11 /POJK.03/2020 Tentang Stimulus Perekonomian Nasional Sebagai Kebijakan Countercyclical Dampak Penyebaran Coronavirus Disease 2019. One of the things described in POJK Number 11 /POJK.03/2020 is the implementation of credit or financing restructuring for debtors who were affected during the Covid-19 pandemic. The implementation of this credit / financing restructuring has raised concerns about bank liquidity. This study uses a qualitative descriptive analysis method by describing the phenomena that occur due to the impact of Covid-19 on the global and national economy, Indonesian government policies, and banking. The results showed that during the period March-September 2020 the average Financing to Deposit Ratio (FDR) in Islamic Commercial Banks showed a value of 79.31% where the highest ratio occurred in July with a ratio level of 81.03% and the lowest ratio occurred in September with a ratio of 77.06%. Under these conditions, in general the level of liquidity of Islamic commercial banks is categorized as healthy or liquid. The average FDR ratio in Sharia Business Units for the period March-September 2020 shows a value of 103.54% where the highest ratio occurred in May with an FDR ratio of 107.20% and the lowest ratio occurred in September with an FDR ratio of 95.87%. Under these conditions, in general the liquidity level of the Sharia Business Unit is categorized as less healthy or less liquid.Pandemi Covid-19 telah memberikan dampak yang signifikan dalam segala segi kehidupan manusia seperti dalam bidang kesehatan, pendidikan, sosial, ekonomi maupun sektor perbankan. Untuk memulihkan sektor ekonomi dan perbankan, pemerintah melalui Otoritas Jasa Keuangan mengeluarkan Peraturan Otoritas Jasa Keuangan Republik Indonesia Nomor 11 /POJK.03/2020 Tentang Stimulus Perekonomian Nasional Sebagai Kebijakan Countercyclical Dampak Penyebaran Coronavirus Disease 2019. Salah satu hal yang dijelaskan dalam POJK Nomor 11 /POJK.03/2020 adalah pemberlakuan restrukturisasi kredit atau pembiayaan bagi debitur yang terdampak selama pandemi Covid-19. Pemberlakuan restrukturisasi kredit/pembiayaan ini memunculkan kekhawatiran terhadap likuiditas bank. Penelitian ini bertujuan untuk menganalisa dampak implementasi restrukturisasi pembiayaan terhadap likuiditas bank syariah pada situasi pandemic covid-19. Penelitian ini menggunakan metode analisis deskriptif kualitatif dengan cara mendeskripsikan fenomena-fenomena yang terjadi akibat dampak Covid-19 terhadap perekonomian global maupun nasional, kebijakan pemerintah Indonesia, serta perbankan. Hasil penelitian menunjukkan bahwa selama periode Maret-September 2020 rata-rata rasio Financing to Deposit Ratio (FDR) pada Bank Umum Syariah menunjukkan nilai 79,31% dimana rasio tertinggi terjadi pada bulan Juli dengan tingkat rasio 81,03% dan rasio terendah terjadi pada bulan September dengan tingkat rasio 77,06%. Dengan kondisi tersebut, maka secara umum tingkat likuiditas bank umum syariah dikategorikan sehat atau likuid. Rata-rata rasio FDR pada Unit Usaha Syariah periode Maret-Septemer 2020 menunjukkan nilai 103,54% dimana rasio tertinggi terjadi pada bulan Mei dengan tingkat rasio FDR 107.20% dan rasio terendah terjadi pada bulan September dengan tingkat rasio FDR 95.87%. Dengan kondisi tersebut, maka secara umum tingkat likuiditas Unit Usaha Syariah dikategorikan kurang sehat atau kurang likuid.

show abstract

Analysis of Internal and External Factors On Asset Growth at PT. BPRS Aceh Province

Nafisah Suhaila,

Muhammad Nasir,

Teuku Zulkarnain

2024

int.jour.sci.res.mana

View full text Add to dashboard Cite

Currently, the development of BPRS from year to year has increased. This increase can be seen through the BPRS total asset report. Many factors influence the growth of total assets of Islamic banks, including internal and external factors. This research aims to determine the effect of inflation, DPK and NPF on the growth of Total Assets in BPRS Aceh Province. The method used in this research is a quantitative method. The sampling technique used was purposive sampling, so that 11 companies were obtained as samples. The data used in this research is panel data. The data in this research comes from financial reports obtained from BPRS Banks in Aceh Province. The data analysis technique uses multiple linear regression analysis, previously carried out a classical assumption test. The results of the F test show that inflation, DPK and NPF together (simultaneously) have an effect on total assets at PT Bank BPRS. The results of the t test show that inflation partially influences total assets at PT Bank BPRS, DPK partially influences total assets at PT Bank BPRS, NPF partially influences total assets at PT Bank BPRS.

show abstract

DETERMINANTS OF SHARIA BANKING PROFITABILITY: Empirical Studies in Indonesia 2011-2020

Cited by 10 publications

References 0 publications

The Effect of Non-Performing Financing and Third Party Funds on the Profitability Through Ps/Rs and PLS Financing

The Effect of Non-Performing Financing and Third Party Funds on the Profitability Through Ps/Rs and PLS Financing

Dampak Implementasi Restrukturisasi Pembiayaan terhadap Likuiditas Bank Syariah pada Situasi Pandemi Covid-19

Analysis of Internal and External Factors On Asset Growth at PT. BPRS Aceh Province

Contact Info

Product

Resources

About