Financing To Deposit Ratio Research Articles

Analisis Pengaruh Faktor Spesifik Perusahaan terhadap Profitabilitas Bank Pembiayaan Rakyat Syariah (BPRS) di Indonesia Periode 2016 - 2021

This study aims to determine the amount of the influence of the variables Operational Efficiency Ratio (BOPO), Financing to Deposit Ratio (FDR), Firm Size and Capital Adequacy Ratio (CAR) on Return on Asset (ROA) at Rural Bank Sharia (BPRS) in Indonesia. The population used is BPRS registered with the Otoritas Jasa Keuangan (OJK). The data used is secondary data derived from financial reports issued by OJK for the 2016-2021 period. The research method used is quantitative research with panel data regression analysis. The sample used in this study was 51 BPRS. The findings of this study are to provide contribution to BPRS regarding specific factors affecting the ROA of BPRS in Indonesian; and can be used as a reference and consideration for interested parties.

Determinants of Non-Performing Assets and the Performance of Islamic Banks in Pakistan

These days non-performing assets have been essential factors in terms of the banking sector's profitability and sustainability. This study aims to weigh factors that may affect the surging level of non-performing assets in Pakistani Islamic banks. The study uses the Financing-to-deposit ratio (FTDR), Bank size, Return on assets (ROA), Inflation rate, and interest rate as the determinants of non-performing assets as banks' internal and external factors, respectively. The performance of Islamic banks is measured using Tobin’s Q ratio. Panel data from 2012 – 2022 was extracted from unconsolidated financial statements of Islamic banks and the World Bank database. Descriptive statistics, correlation, and panel least square regression analysis were used to find the relationship between non-performing assets (independent variable) and banks' performance (dependent variable). Data analysis is done through the EViews application software. The findings of this study revealed that there is a significant impact of different factors of non-performing assets on the performance of Islamic banks in Pakistan. The results of the analysis concluded that banks' performance can be increased by reducing the level of non-performing assets. The study will benefit the management of Islamic banks in considering these factors to improve their performance by controlling the level of NPAs.

PENGARUH PERMODALAN RENTABILITAS DAN LIKUIDITAS TERHADAP KINERJA KEUANGAN PADA BANK PANIN DUBAI SYARIAH PERIODE 2018-2020

This study aimed to determine the effect of Capital Adequacy Ratio (CAR), Operating Expense to Operating Income (BOPO), and Financing to Deposit Ratio (FDR) on Return on Assets at Sharia Panin Dubai Bank from 2018-2020. This is quantitative research gathered data from secondary data where the population was the financial report uploaded on the official website of the bank. The analytical technique used is an associative analysis using the Partial Least Square 3.0 (PLS) application. The findings showed that the Capital Adequacy Ratio partially negatively and insignificantly affected the Return on Assets, Financing to Deposit Ratio partially positively and insignificantly affected the Return on Assets, and Operating Expense to Operating Income partially positively and significantly affected the Return on Assets.Keywords: Capital Adequacy Ratio (CAR); Operating Expense to Operating Income (BOPO); Financing to Deposit Ratio (FDR); Return on Assets (RoA)

Does Financial Risk Matter for Financial Performance in Sharia Banks?

This study seeks to examine the impact of operational, liquidity, and credit risks on financial performance (ROA) at national Islamic commercial banks from 2015 to 2021. The model includes control variables such as technological risk (E-Banking) and macroeconomic variables (BI rate and inflation). This study used seven national Islamic banking businesses as examples. This work employs the panel data regression technique to investigate a mixture of time series from 2015 to 2021. In this study, the independent variables are credit risk as measured by Non-Performing Finance (NPF), liquidity risk as measured by Finance to Deposit Ratio (FDR), operational risk as measured by Operations Expenses to Operations Income (BOPO), and performance bank finances as measured by Return on Assets (ROA). According to the study’s findings, the variable credit risk (NPF), operational risk (BOPO), and technological risk (E-Banking) all significantly and negatively affect financial performance (ROA). Meanwhile, neither liquidity risk nor inflation has a significant positive impact on financial performance (ROA). Furthermore, the BI rate has a negative, but not statistically significant, impact on financial performance (ROA).

Analisis Kinerja Keuangan PT Bank Mega Syariah

This study aims to analyze the financial performance of PT. Bank Mega Syariah uses a liquidity ratio proxied by the Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), Return on Assets (ROA) and Return on Equity (ROE). This type of research is descriptive quantitative by analyzing then describing the results to describe the bank's financial performance. This research uses secondary data, namely the financial statements of PT. Bank Mega Syariah from the 2013-2021 period. The results found that in terms of the Financing to Deposit Ratio (FDR) it was found that PT. Bank Mega Syariah experienced fluctuations, but in 2015 in the second and third quarters with a ratio of 104.19% and 102.89%. Analysis of Capital Adequacy Ratio (CAR) obtained that PT. Bank Mega Syariah has a very good CAR. In the ROA analysis, there are several unhealthy conditions in accordance with the provisions issued by Bank Indonesia, namely in 2016.

The Effect of Financial Ratios to Return on Assets of the Sharia Rural Bank in Surakarta Residence

The purpose of this study was to determine the effect of Capital Adequacy Ratio, Financing to Deposit Ratio, Non Performing Financing, and Operational Efficiency Ratio on ROA at Sharia Rural Bank. The data used in this study is secondary data (panel data) from Financial Service Authority’s (OJK Solo), which is an annual report published by Sharia Rural Bank in the Surakarta Residence listed on the Financial Service Authority’s (OJK Solo). Data analysis using multiple linear regression. The result are Capital Adequacy Ratio (CAR) and Financing to Deposit Ratio (FDR) have no significant effect on Return On Asset (ROA), Non Preforming Financing and Operational Efficiency Ratio (OER) have significant effect on Return On Asset (ROA), Simultaneously all of variable Capital Adequacy Ratio, Financing to Deposit Ratio, Non Preforming Financing, and Operational Efficiency Ratio have a significant effect on Return On Asset.

Stagnation Of Islamic Banking In Indonesia: Factors And Solutions

The purpose of this study is to reveal the factors and solutions to the stagnation of Islamic banking. Data were gathered for this qualitative study through observation, interviews, and documentation studies. The study's findings demonstrate that the growth of Islamic banks has slowed, as evidenced by their low market share, declining financing deposit ratio, and declining return on assets. The expansion of the Islamic Banking staff network and offices has also slowed down. Islamic banking's initial reasons for stagnation include its subpar performance in carrying out social tasks, specifically the collecting and distribution of cash. The second requirement is the capacity to apply Sharia principles to every banking activity. The three Arabic term labels on the goods offered by Islamic Banking continue to cause confusion in the community. Fourth, judicial disputes unrelated to banking include entities and people associated with Sharia designations, which have an effect on public confidence. This research provides input to Islamic banks to prioritize social functions, the collection and distribution of zakat, infaq, alms; apply sharia principles; Indonesianize arabic terms.

Analysis of the Influence of Temporary Syirkah, FDR, and BOPO Funds on Financing Risk and Their Implications on SRB Profitability in Indonesia (2016-2020)

This study aims to analyze the effect of Temporary Syirkah Funds (DST), Financing to Deposit Ratio (FDR), and Operational Income Operating Costs (BOPO) on Financing Risk which are calculated directly, and to analyze the effect of DST, FDR, BOPO and Financing Risk on ROA Sharia People's Financing Banks in Indonesia directly and indirectly. The dependent variable in this study is ROA which is a proxy for profitability and financing risk (RP). While the independent variables are DST, FDR, and BOPO. The analytical method used is Path Analysis or path analysis with the help of SPSS version 22. The data used in this research is monthly time series data from January 2016 – 2020. The object of research is Islamic People's Financing Banks in Indonesia. Based on the calculation, the direct effect of DST on ROA is 14.36%. And the direct effect of DST on Financing Risk is 54%.

Rasio Keuangan Terhadap Profitabilitas dengan Nom dan Gwm Sebagai Pemoderasi Rasio Keuangan Perbankan

The Profitability Ratio is the primary ratio in measuring the achievement of banking performance. Several other ratios, such as CAR, FDR, BOPO, and NPF, influence the profitability ratio. This study examines and analyzes the effect of the Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Operating Expenses to Operating Income (BOPO), and Non-Performing Financing (NPF) on the profitability of PT. Bank NTB Syariah with NOM (Net Operating Margin) and Reserve Requirement (Minimum Statutory Reserve) as moderating. This quantitative research wants to reveal the effect of financial ratios on profitability. The data is from the PT Bank NTB Syariah publication report from 2019 to 2021. The data analysis technique in this study used Partial Least Square (PLS). The results showed that CAR, BOPO, and NPF did not have a significant and negative effect on ROA, shown by P-Value Values of 0.212, 0.505, and 0.360, respectively. In contrast, FDR had a significant and positive effect on ROA, indicated by P-Value Values of 0.000. For moderator variables, GWM and NOM have no significant effect in moderating FDR and BOPO variables, indicated by P-Value Values of 0.988 and 0.589, respectively.

Analisis Kinerja Keuangan Perbankan Syariah Menggunakan Metode CAMEL di PT. Bank Tabungan Pensiunan Nasional Syariah Periode 2019-2022

For banking institutions, the role of financial performance is very important. Because, if the financial performance of a bank has a good predicate, it can directly increase public confidence in making loans or investing. The fluctuating JCI in stock exchange trading certainly affects the stock performances of several issuers, including BTPN Syariah. BTPN Syariah shares have fluctuated from 2019 - 2022. And 38.77% of foreign sales have occurred, so it is very interesting to conduct this research. The purpose of this study was to determine the financial performance of Islamic banking based on the CAMEL (Capital, Asset, Management, Earning and Liquidity) method at PT. Sharia National Pension Savings Bank for the 2019-2022 Period. This study uses a descriptive method with a quantitative approach. Based on the results of the discussion above, it can be concluded that the health level of BTPN Syariah for the 2019-2022 period is based on: 1). Capital (capital) received the title "Very Healthy". Because the CAR value obtained is greater than 12% in accordance with Bank Indonesia regulations; 2). Assets (Quality of Earning Assets) received the title “Healthy”, because the KAP value obtained was below 10.35%; 3). Management (Management) by assessing the level of NPM (Net Profit Margin) gets the predicate "Sufficiently Healthy", because the NPM value obtained is in the range of 66%-81%; 4). Earning (profitability) uses two ROA and BOPO ratios, ROA for 2019-2022 gets the "Very Healthy" category, because the ROA value obtained is above 1.5%. Meanwhile, the health level of the BOPO ratio for the 2019-2022 period is in the "Very Healthy" predicate, because the BOPO value obtained is smaller than 94%. 5). Liquidity (Liquidity) using the ratio of FDR (Finance to Deposit Ratio) obtained the predicate "Sufficiently Healthy", because the FDR value obtained is in the range of 85%-100%. Furthermore, based on the results of calculating the soundness level of BTPN Syariah in 2019-2022 using the CAMEL method, it is in the "Healthy" position, because the resulting CAMEL value is in the range of 81-100, meaning that BTPN Syariah banks during the 2019-2022 period are considered capable of managing finances or performance. Islamic banking finance well.

Analisis Faktor-Faktor Keuangan Yang Mempengaruhi Market Share Perbankan Syariah Di Indonesia

This research aims to analyze the Effect of Operational Fee (BOPO), Return On Assets (ROA) and Financing to Deposit Ratio (FDR) against Market Share Syariah Bank in Indonesia. This type of research is quantitative. Total population of 11 Sharia General Banks. The technique of sampling used is a total sampling, where the number of samples is equal to the population, namely 11 General Bank Syariah, the number of samples is 33 samples obtained from 11 Common Bank Syariah during the period of 3 years, 2018 until 2020. The analysis technique used in this research is a double linear regression analysis using program assistance of SPSS versions 23. The pharmacy in the test by using the t test. The results of this study indicate that the variable Operating Cost of Operational Income (BOPO) and Return On Assets (ROA) has a significant effect on market share, while Financing to Deposit Ratio (FDR) does not significantly affect the dependent variables namely Market Share

Factors Influencing The Disclosure Of Islamic Social Reporting In Islamic Commercial Banks

This study aims to analyze and show the effect of return on equity (ROE), financing to deposit ratio (FDR), company size, size of the Islamic supervisory board (ISB), and company age on the disclosure of Islamic social reporting (ISR) in Islamic commercial banks (ICB) in the period 2018-2020. This quantitative study uses secondary data, namely annual reports of ICB. The population of this study is ICB registered with the financial services authority (FSA) in 2018-2020, totalling 14 ICB. The sampling technique uses a purposive sampling method so that 12 samples. Data analysis technique using multiple linear regression method with panel data. The results show that ROE, FDR, company size and age significantly affect ISR disclosure. Meanwhile, the size of the Islamic supervisory board does not affect ISR disclosure. Simultaneously ROE, FDR, firm size, size of the Sharia supervisory board, and firm age significantly affect ISR disclosure. This research can complement the existing theory and can be a reference for ICB management to improve the disclosure of social responsibility for the better.

Contributions of Internal and External Variables in Non-Performing Financing Bank Muamalat for the Period of 2005-2021

The purpose of this study is to describe the condition of internal and external variables for non-performing financing in the 2005-2021 period by using internal variables that are proxied by Operating Expenses (OE), Financing Deposit Ratio (FDR), Net Operating Margin (NOM), and Return On Equity (ROE), while external variables are proxied by Gross Domestic Product (GDP) and inflation. The method used in this research is descriptive quantitative by analyzing secondary data which is processed using Eviews 10 with the VECM method and using quarterly time series data from 2005-2021. The results of data processing using VECM show several findings, namely: the ROE, GDP, and inflation variables have a positive effect, then the FDR and NOM variables have a negative effect, while OE has no effect on non-performing financing in the long term, while in the short term all variables do not affect non-performing financing. performing financing. Meanwhile, based on testing using FEDV, the contribution to non-performing financing is OE (1.08%), FDR (0.89%), NOM (4.11%), ROE (0.95%), GDP (2.29%), and inflation (2.68%).

Analisis Faktor yang Mempengaruhi Financial Distress pada PT Bank Muamalat KCU Medan Baru

Financial distress is a condition in which a company faces financial difficulties. One of the causes of financial distress in banking is that banks do not comply with or comply with the capital adequacy ratio set by the regulator and banks are unable to manage the risk of the financing that has been disbursed. The purpose of this study was to determine the factors that influence financial distress at Bank Mumalat. This type of research is quantitative research. While the data collection techniques used in this study are documentation and observation by collecting the financial statements of the Muamalat bank. The results showed that the CAR (capital adequacy ratio) variable did not have a significant effect on financial distress at Bank Muamalat Indonesia. ROA has a significant negative effect on financial distress at Bank Muamalat Indonesia. ROE shows that there is an influence on financial distress at Bank Muamalat Indonesia. Financing to Deposit Ratio (FDR) shows an influence on financial distress at Bank Muamalat Indonesia. 
 Keywords : Financial Distress, Bank Muamalat

Analysts Influence of Non Performing Financing (NPF), Finance to Deposit Ratio (FDR), and Operating Costs and Operating Income (BOPO) on the Return on Assets (ROA) of PT BPRS in West Java Province During the Covid-19 Pandemic

Analysts Influence of Non Performing Financing (NPF), Finance to Deposit Ratio (FDR), and Operating Costs and Operating Income (BOPO) on the Return on Assets (ROA) of PT BPRS in West Java Province During the Covid-19 Pandemic

The Effect of Return, Cost, Financing Factors and Risk on Profitability of Sharia Banks in Indonesia

Some of the factors identified as influencing the profitability of Islamic banks include asset growth, volume of financing, low non-performing financing ratios, optimal financing distribution, large income spreads, low-cost funds, professional internal management, prudential principles in channeling financing, and several other factors that have an influence on the profitability of Islamic banking. This research is explanatory research (explanative research). Explanatory research seeks to explain the causal relationship between variables by testing hypotheses. The purpose of this research is to test the proposed hypothesis regarding the influence of the firm's fundamental variables on sharia stock prices as the dependent variable. This research is also quantitative. The quantitative approach is research related to quantitative data in the form of numbers that can be used with mathematical operations (Muhamad, 2008: 203). This study uses time series data with monthly data from January 2022 to June 2022. The focus of the research is the condition of all Islamic banking in Indonesia. Partially, the financing deposit ratio (FDR) has a positive and significant influence on the profitability of Islamic banking. This shows that the FDR ratio has a direct effect on the profitability of Islamic banking, because the FDR ratio is a ratio that describes a bank's ability to channel financing, and also describes the bank's liquidity. If the FDR is <80%, the bank will be burdened by profit sharing to third parties and additional Minimum Statutory Reserves (GWM) to Bank Indonesia, so that profitability is not optimal. On the other hand, if the FDR > 100%, it indicates that the bank's liquidity is disrupted.

Determinants of Sharia Banking Market Share in Indonesia

Market Share Ratio can be used to measure the performance of Islamic Banks which are relatively new in Indonesia. The greater the market share of Islamic banks in Indonesia, the greater their role and function for the national economy. Market share is often used as an indicator by companies to see the existence of strength in the market and how important the company is. This research method uses a quantitative approach with an associative method with a population in the form of data on Financial Statements of Islamic Banking in Indonesia during the period 2018 to 2022. The sampling technique was carried out using purposive sampling. The results showed that by using a significance level of 5 percent, the significance value was < 0.05 (0.000 < 0.05), the CAR, ROA, FDR and NPF variables simultaneously (together) had an effect on the market share of Islamic banks in Indonesia. And each variable Capital Adequacy Ratio (CAR), Variable Return On Assets (ROA), Financing to Deposit Ratio (FDR), Non Performing Financing (NPF) partially has a significant positive effect on the Market Share of Islamic Banks in Indonesia.

The Effect Of Profit Sharing Payments, Financial Deposit Ratio, Company Size On Mudharabah Deposits

This study aims to analyze the effect of the payment of Profit Sharing, Financing to Deposit Ratio (FDR), and Company Size on Mudharabah Deposits at Islamic Commercial Banks in Indonesia. There are 13 Islamic Commercial Banks and the sample used is 11 banks. This type of research is quantitative research. The unit of analysis used in this research is the annual reports of Islamic commercial banks from 2015 to 2020.
 The results of the study show that profit sharing and company size have a significant effect on mudharabah deposits in Islamic banking in Indonesia. A number of profit-sharing payments make customers interested in making mudharabah deposits at Islamic banks, on the one hand the task of Islamic banks is to provide satisfaction for customers with usury-free practices. This usury-free practice may not provide as many benefits as conventional banks, but the amount of profit-sharing payments and the size of this company have had a significant influence on the value of mudharabah deposits. Banks that have a company size that is categorized as large will have more assets and capital funds, so that Islamic banks can manage business funds more from many sources that can bring benefits to Islamic banks. The Muslim community in Indonesia believes in Islamic banking operations, which makes them open savings deposits at Islamic banks. The effect of the Debt to Ratio financial ratio is not significant to mudharabah deposits, which means this debt ratio, in this study sample the average FDR at Islamic banks is high which makes it not significant to mudharabah deposits, on the one hand the profit sharing payments in this study are significant.

Islamic Banking Profitability in Indonesia

The main contribution to the income of Islamic Rural Banks (IRBs) comes from financing provided where there are two financing schemes consisting of profit-sharing financing (musyarakah and mudharabah) and profit margin financing (murabahah). The main purpose of this study is to analyze the financing scheme that affects the bank's profitability. This study will also analyze the effect of Islamic bank performance on profitability. Financial performance that is thought to have an effect on profitability is the capital adequacy ratio (CAR), financing to deposit ratio (FDR), non-performing financing (NPF), operating expense to operating income ratio (OEIR), third-party funds (TPF) and bank size (SIZE). The population in this study were 165 BPRS in Indonesia with a sample of 100 BPRS. Observation period for 4 years (2018-2021) with quarterly data. This study uses a panel data regression analysis to test the hypothesis. After being tested with Chow-test and Hausman-test, the best model from panel data regression was the fixed effect model. The results of the research showed that profit-sharing financing (PSF) and SIZE have a positive and significant effect on profitability while profit margin financing (PMF), CAR and FDR have no effect on profitability. On the other hand, financial performance which has a significant negative effect is NPF, OEIR and TPF, while CAR and FDR has a significant positive effect.

Pengaruh CAR, NPF, FDR dan BOPO terhadap Profitabilitas BPRS di Indonesia

This study aims to determine the effect of Capital Adequency Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), and Operating Efficiency Ratio (OER) on profitability as measured by Return On Assets (ROA) and Return On Equity (ROE) at Sharia Rural Banks in Indonesia for the 2014-2021 period. This research uses multiple linear regression analysis method. The data used is secondary data, namely Islamic banking statistics that have been published on the official page of the Financial Services Authority (OJK). The results of this study conclude that CAR and NPF have no effect on ROA. Furthermore, FDR has a positive effect on ROA while BOPO has a negative effect on ROA. Then CAR has a positive effect on ROE. Furthermore, NPF and FDR have no effect on ROE, while BOPO has a negative effect on ROE.