Influence Of Third Party Funds Research Articles

Pengaruh Dana Pihak Ketiga Dan Beban Operasional Pendapatan Operasioanal (BOPO) Terhadap Profitabilitas Pada Bank Umum Milik Negara Di Indonesia

This study aims to find out and explain the influence of Third Party Funds and Operating Income Operating Expenses (BOPO) on profitability in state-owned commercial banks in Indonesia. The type of research used by the researcher is quantitative research using primary data. The data analysis techniques used include, panel data regression analysis, classical assumption test and hypothesis test using the Eviews 9 analysis tool. The results of the T test showed that the third-party fund variable had an effect but not significantly on profitability and the Operating Income Operating Expense (Bopo) variable had a significant effect on profitability and the F test result showed that the third-party fund variable and Operating Income Operating Expense (Bopo) simultaneously had a significant effect on profitability.

Pengaruh Dana Pihak Ketiga (DPK), Non Performing Loan (NPL) Dan Loan To Deposit Ratio (LDR) Terhadap Penyaluran Kredit (Pada PT. Bank Perkreditan Rakyat di Kabupaten Bogor Periode 2018-2022)

The aim of this research is to determine the influence of Third Party Funds (DPK), Non-Performing Loans (NPL), and Loan to Deposit Ratio (LDR) on partial and simultaneous credit distribution at PT Bank Perkreditan Rakyat in Bogor Regency for the 2018-2022 period. and To find out how much contribution Third Party Funds (DPK), Non Performing Loans (NPL), and Loan to Deposit Ratio (LDR) have made to partial and simultaneous credit distribution at PT Bank Perkreditan Rakyat in Bogor Regency for the 2018-2022 period. This research uses a quantitative research design with a causal relationship approach. In this research, credit distribution is the dependent variable. Meanwhile, the independent variables in this research are Third Party Funds (DPK), Non-Performing Loans (NPL), and Loan to Deposit Ratio (LDR). The research results show that based on the calculation of the coefficient of determination (R Square), a value of 0.887 is obtained. This result means that there is a contribution of 88.7% from the independent variables Third Party Funds (DPK), Non Performing Loans (NPL), and Loan to Deposit Ratio (LDR) to credit distribution at PT Bank Perkreditan Rakyat in Bogor Regency for the 2018 period. -2022.

Influence of Third-Party Funds, Non-Performing Finance, and Return on Assets on Murabahah Financing in Islamic Commercial Banks During the Period 2018-2022

Influence of Third-Party Funds, Non-Performing Finance, and Return on Assets on Murabahah Financing in Islamic Commercial Banks During the Period 2018-2022

Exploring the Impact of Third-Party Funds and Interest Rates on Commercial Bank Lending: A Study of the Indonesia Stock Exchange from 2019 to 2021

This research aims to examine the exploration of the influence of third party funds and interest rates on commercial bank credit distribution on the Indonesian Stock Exchange 2019-2021. Using quantitative methods with quantitative descriptive types. The sample used was ten banks that had gone public or were listed on the Indonesia Stock Exchange (BEI). The data used in this research are 30 financial reports from the 2019-2021 period, with a purposive sampling technique, using an analytical method, namely the multiple linear regression method which was processed using SPSS v 26. Based on the research results, third party funds have a significant influence on credit distribution with a value of (sig < 0.05) and interest rates do not have a significant influence on credit distribution to commercial banks for the 2019-2021 period (sig > 0.05).

THE EFFECT OF THIRD PARTY FUNDING, FINANCING TO DEPOSIT RATIO AND RETURN ON ASSET FOR FINANCING AT BANK MUAMALAT KCP PROBOLINGGO

Purpose: The purpose of this research is to determine the influence of third party funds, financing deposit ratio and return on assets on financing in the 2018 period. - 2022 at Bank Muamalat KCP Probolinggo KCP.
 Design/methodology/approach: The type of research used in this study is a quantitative method with a descriptive approach. The sample in this study is the Quarterly financial reports for 2018 to 2022 as many as 20. The data in this study is secondary data. Observation collection method by collecting data on the Annual Financial Report of Bank Muamalat KCP Probolinggo in 2018 - 2022.
 Findings: Banks provide community services and public financial intermediaries. Therefore, banks must always be in the midst of society so that the flow of money from people who have excess can be accommodated and distributed to people who are lacking. One of the bank distribution products is financing provided by one party to another party to support a planned business project, either carried out individually or by an institution. The formulation of the problem in this study is whether there is an influence of third party funds, financing deposit ratio and return on assets on financing for the 2018 to 2022 period.
 Originality/results: The results of the study show that partially DPK have a significant positive effect and FDR have a Significant negative effect on financing at Bank Muamalat KCP Probolinggo for the 2018-2022 period. Meanwhile, ROA has no significant effect on financing at Bank Muamalat KCP Probolinggo for the 2018-2022 period. Meanwhile, DPK, FDR and ROA simultaneously have a positive effect on financing at Bank Muamalat KCP Probolinggo for the 2018-2022 period. DPK, FDR and ROA contributed 34.1% to financing, the remaining 65.9% was influenced by other variables outside those studied.

The Influence of Third-Party Funds and Financing on the Operational Profit of Bank Bukopin Sharia for the Period 2014-2022

Third Party Funds and Financing are important indicators for Bank Bukopin Syariah, both indicators indicate sustainable activity. Because of this, it is considered a source of income for Bank Bukopin Syariah. This study aims to analyze the impact of external funding and financing on Bank Syariah Bukopin's operational profit from 2014 to 2022. Monthly financial statements are analyzed using quantitative descriptive approaches. In this study, we utilize linear regression to examine standard assumptions about operating profit (Y), financing (X2), and third-party funding (X1). The study found that Third Party Funds on Operating Profit had a significance value of 0.019 (<0.05), whereas Financing on Operating Profit had a significance value of 0.003 (<0.05). Financial backing from outside sources has a substantial impact on operational profit at Bank Bukopin Syariah.

The Influence of Third-party Funds; Asset Quality, Profit, and Lost Sharing to The Islamic Bank Liquidity in Indonesia

During the COVID-19 pandemic, Islamic commercial banks experienced liquidity excess due to the third-party funds that increased and the weak distribution of financing by Islamic banks. In addition, the asset quality of Islamic banks is showing good development, this will affect the bank's ability to meet sufficient liquidity. This study uses 7 Islamic commercial banks as a sample from a population of 14 Islamic commercial banks registered in the Financial Services Authority (OJK) from March 2012 to December 2020 (quarterly data) period. This research method uses a fixed-effect model, with a GLS weight approach, Cross-section SUR. The results of this study are third party funds, asset quality (Non-Performing Financing), and Capital Adequacy Ratio have a significant effect on the liquidity of Islamic banks, while Profit and Loss Sharing and Return on Assets do not affect the liquidity of Islamic banks.

The Influence of Third Party Funds and NPF on Profitability with Liquidity as an Intervening Variable

The Influence of Third Party Funds and NPF on Profitability with Liquidity as an Intervening Variable

Pengaruh DPK, NPF, FDR, CAR dan ROA terhadap Manajemen Likuiditas dalam Perbankan Syariah

This study aims to explain the influence of Third Party Funds (DPK), NonPerforming Financing (NPF), Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR) and Return on Assets (ROA) on the risk of liquidity management at Bank Muamalat Indonesia, BNIS, BSM, and Mega Syariah banks in Indonesia. This research uses quantitative methods using secondary data obtained based on quarterly financial statements in the 2014-2018 period. The amount used is 80 data. Data collection techniques using the 2014-2018 quarterly financial statement documentation whose samples were Muamalat Indonesia bank, BNIS, BSM and Mega Syariah bank for sampling techniques using purposive sampling. Based on the research results obtained, shows that Non-Performing Financing (NPF) has a significant effect on liquidity risk, Financing to Deposit Ratio (FDR) has a significant effect on liquidity risk, Third Party Funds (DPK) does not have a significant effect on liquidity risk, Capital Adequacy Ratio ( CAR) does not have a significant effect on liquidity risk, Return on Assets (ROA) has no significant effect on liquidity risk.

THE EFFECT OF THIRD PARTY FUNDS, NON-PERFORMING FINANCING AND OPERATING EXPENSES OF OPERATING INCOME ON FINANCIAL PERFORMANCE

This study intends to investigate the influence of Third Party Funds, Non-Performing Finance (NPF), and Operating Income (BOPO) on Financial Performance, as measured by Return On Assets (ROA). This study's population consists of Sharia Commercial Banks registered between 2016 and 2020 with the Financial Services Authority (OJK). This study drew samples from seven Islamic commercial banks using a method of purposive sampling. Obtained sample data as much as 35 data. The data utilized for this study are secondary data. This type of research is causal associative with a quantitative approach method. Multiple linear regression analysis with a 5% significance level is the technique employed. This research is processed using Eviews 12 software. The results show that (1) Third Party Funds have a significant effect on Financial Performance (2) Non-performing Financing Results have no effect on Financial Performance, (3) Operating Expenses Operating Income has a significant effect on Financial Performance. (4) Third Party Funds, Non-performing Financing, and BOPO have a joint influence on Financial Performance. In the coefficient of determination of the variable TPF, Non-performing Financing and BOPO have an influence of 72% on Financial Performance while 28% is influenced by other factors beyond this study.

Influence of Third Party Funds, BI Rate, Inflation On Market Share In Islamic Banking

The market share that can be controlled by Islamic banking is still relatively small compared to conventional banking, so this study aims to examine the influence of third party funds, BI Rate and Inflation on the share of Islamic banking in Indonesia for the 2015-2021 period. The sample in this study uses a saturated sampling technique, which means that the entire population is sampled, both Islamic commercial banks and sharia business units registered with the Financial Services Authority. The method of data analysis in this study used the classical assumption test, multiple linear regression analysis and hypothesis testing. The results showed that third party funds and the BI Rate had an effect on market share, while inflation had no effect on market share. Simultaneously, third party funds, BI Rate and Inflation have a significant influence on market share. The overall contribution of the independent variable to the dependent variable is 87.7%.

INTERMEDIATION OF ISLAMIC COMMERCIAL BANKS IN REAL TIME GROSS SETTLEMENT TRANSACTIONS OF ISLAMIC BANKING IN INDONESIA

BI-RTGS is transferring funds with an essential function in the payment system and third-party funds as a factor to meet the current account balance which is a condition for BI-RTGS transactions. Bank financing is considered to be able to affect the number of BI-RTGS transactions. This research used 14 Islamic commercial banks registered as BI-RTGS participants. The results show that Islamic Commercial Bank Third Party Funds have a partial effect on the nominal amount of BI-RTGS transactions. Islamic Commercial Bank Financing has a partial effect on the nominal amount of BI-RTGS transactions. Third Party Funds and Islamic Commercial Bank Financing simultaneously affect the nominal amount of BI-RTGS transactions. In the determination coefficient test, the R Square value of third-party funds is 11.3% and financing is 4.1%. This means that the influence of third party funds is greater than the amount of the influence of financing on the nominal amount of BI-RTGS transactions in Islamic Banking in Indonesia.

Influence Of Third Party Funds on Credit Distribution

The purpose of this research is to identify the influence of Third-Party Funds, Non-Performing Loans (NPL), and Return on Assets on Credit Distribution. As well as the role of ROA which becomes mediation in PT. XYZ. This study uses samples in the form of publication balance sheet reports from PT. XYZ in the period 2019-2021. This research is a quantitative research using SEM PLS techniques through the help of smart pls 3.0 software. The results of the study found that DPK significantly affects PK, with a statistical T value of 6,556 > 1.96 and the original sample of -0.773. The absence of influence of NPL on PK due to its statistical T value of 0.868 < 1.96 and the original sample of -0.146 has a negative relationship to credit distribution. ROA has no direct influence on PK with a statistical T value of 0.006 < 1.96 and the original sample of -0.002 has a negative relationship meaning to PK. DPK had a significant negative influence on ROA with a statistical T value of 2,966 > 1.96 and the original sample of -0.657 having a negative relationship direction. There is no effect of NPL on ROA with a Statistical T value of 0.205 < 1.96 and the original sample of 0.056 has a positive relationship to ROA. NPL has no influence over PK through ROA mediation with its Statistical T value of 0.001<1.96.

Pengaruh Dana Pihak Ketiga, Return on Aset dan Non-Performing Financing Terhadap Financing to Deposit Ratio

This study aims to determine the influence of Third Party Funds (DPK), Return On Asset (ROA) and Non Performing Financing (NPF) on the decrease in Financing to Deposit Ratio (FDR) at PT Bank Muamalat Indonesia. In this study, the data used in the form of secondary data in the form of Annual Financial Report of PT Bank Muamalat Indonesia for the period 2013-2020 published by Bank Muamalat Indonesia. Technical analysis used is multiple regression using SPSS software. The results obtained from this study indicate that simultaneously Third Party Funds (DPK), Return On Assets (ROA and Non Performing Financing (NPF) have a significant effect on the Financing to Deposit Ratio (FDR) at PT Bank Muamalat Indonesia. (DPK) and Return On Assets (ROA) have a significant effect on the Financing to Deposit Ratio (FDR) at PT Bank Muamalat Indonesia, while Non Performing Financing (NPF) has no significant effect on the Financing to Deposit Ratio (FDR) at PT Bank Muamalat Indonesia. This performance appraisal is expected to be used as a proposal for banks to maintain the composition of the level of liquidity that must be maintained. This performance assessment is expected to be used as a proposal for banks to maintain the composition of liquidity levels that must be maintained.

Analisis pengaruh dana pihak ketiga dan pembiayaan perbankan syariah terhadap pertumbuhan ekonomi Indonesia tahun 2011-2021

As a financial institution, banks have a crucial role in the Indonesian economy to improve people's living standards through the intermediation function in raising funds from the community and channeling funds to the community. This function in Islamic banking is carried out with third-party funds and financing. The purpose of this study is to find out the influence of third-party funds and Islamic banking financing on Indonesia's economic growth. This research uses a quantitative approach using secondary data (time series), namely third-party fund data and financing, namely mudharabah financing, musyarakah, murabahah, istishna', and qard from Islamic Banking Statistics by OJK and Gross Domestic Product data by BPS from the first quarter of 2011 to the second quarter of 2021. Researchers used the Error Correction Model (ECM) analysis technique in the analysis. The results of this study are variables that affect economic growth in the long term: mudharabah financing and musyarakah, while in the short term is mudharabah financing. Variable third-party funds, murabahah, istishna' and qard do not affect economic growth in the short and long term.

Pengaruh DPK, NPF, dan Inflasi terhadap Penyaluran Pembiayaan UMKM di Bank Syariah

This study analyzes the influence of Third Party Funds, Non Performing Financing and Inflation of the Micro, Small and Medium Enterprise Financing Allocation of Islamic Banking in Indonesia. Population of this study is Islamic Banking listing in OJK. Sample technique used in this research is saturated sampling. The data used in this study is secondary data published by OJK during the period 2014-2018. Analysis technique used in this research is multiple linear regression analysis, using the SPSS application program. Based on the result of the analysis with a significance level of 5%, the study shows the following result: DPK partially not have a significant influent on the Micro, Small and Medium Enterprise Financing Allocation. NPF and Inflation partially have significant effect on the MSME Financing Allocation. DPK, NPF, and Inflation simultaneously have a significant influent on MSME Financing Allocation. All the variables X contribute simultaneously to variable Y, based on the results of the analysis the coefficient of determination is 62,3%, and the balance is equal to 37,7% is influenced by other variables.

FACTORS AFFECTING THE PROFITABILITY LEVEL (STUDY ON BUKU 3 CONVENTIONAL COMMERCIAL BANKS REGISTERED WITH THE FINANCIAL SERVICES AUTHORITY)

This research aims to test the influence of Third-party Funds (DPK), Capital Adequacy Ratio (CAR), Operational Income Operating Costs (BOPO), Loan to Deposit Ratio (LDR), and Non-Performing Loan (NPL) on the Profitability (ROA) at Conventional Commercial Banks Books 3 which are listed on Financial Services Authority (OJK) 2014-2018 period. This research is using the purposive sampling technique to collect data population from financial reports Conventional Commercial Banks Books 3 which are listed on OJK 2014-2018 period with the number of samples used were 16 banks. The data were analyzed using panel data regression using the fixed effect model. Hypothesis testing uses F-test statistic, coefficient of determination test (), and t-test statistic. The results showed that simultaneously of the five independent variables studied, significant impact on ROA. And partially of the five independent variables studied, there are two independent variables that negative and significant influence on ROA namely BOPO and NPL. While three independent variables do not positive and do not significantly affect ROA namely DPK, CAR, and LDR. The Contribution of all independent variables is 89,7125% and the rest of the value 10,2875% can be explained by another variable outside this research model.

Pengaruh Dana Pihak Ketiga Dan Loan To Deposit Ratio Terhadap Jumlah Penyaluran Kredit

The purpose of this research is to know the influence of Third-Party Funds and Loan to Deposit Ratio to The Amount of Loans that happened to PT Bank Negara Indonesia (Persero) Tbk, PT Bank Central Asia Tbk, PT Bank Mandiri (Persero) Tbk on 2010-2019.
 Data that used for this research are quantitative data which sourch from secondary data on every banks financial report. The method used in this research are multiple linear regression analysis method, T test, F test, coefficient test and coefficient of determination test. Regression analysis used to know the influence of independence variable to dependence variable with a significance value of 5 percent while the analysis of coefficient determination and determination used to know the correlation of independent variabel and dependent variabel.
 Based on partial hypothesis test (T test) that has been done by the author, the result show that Third-Party Fund has a significant influence to The Amount of Loans, and the Loan to Deposit Ratio (LDR) has a significant influence to The Amount of Loans. On hypotheses simultaneously test (F test), the result shows that Third-Party Funds and Interest Rate of Corporate Loans have a simultaneous effect.
 
 Key words : Third-Party Fund, Loan to Deposit Ratio (LDR) of the Amount of Loans

Pengaruh Dana Pihak Ketiga, Capital Adequacy Ratio (CAR), dan Non Performing Financing (NPF) Terhadap Likuiditas Perbankan Syariah Di Indonesia Tahun 2015-2019

Abstract— This study aims to determine the effect of Third Party Funds on Liquidity, the effect of Capital Adequacy Ratio (CAR) on Liquidity, the effect of Non Performing Financing (NPF) on Liquidity, and the influence of Third Party Funds, Capital Adequacy Ratio (CAR), and Non Performing Financing ( NPF) against Liquidity. The sampling technique used was purposive sampling technique. The data obtained comes from secondary data in the form of banking annual financial reports for 2015-2019 which are downloaded from the official website of the bank concerned. Data analysis was performed using descriptive statistics, classical assumption test, multiple linear regression analysis, determinant coefficient test, t test and F test. The results of the hypothesis research indicate that the Third Party Funds variable is 0,000, the Capital Adequacy ratio (CAR) variable is 0.013, the variable NonPerforming Financing is 0.196, and simultaneously is 0.000. With these results it can be stated that only Third Party Funds, Capital Adequacy Ratio (CAR) have a positive and significant effect on Liquidity, while Non Performing Financing (NPF)  has no positive and significant effect on liquidity. Simultaneously, Third Party Funds, Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), have a positive and significant effect on liquidity. Keywords—: Third Party Funds; Capital Adequacy Ratio, Non Performing Financing, and Liquidity.

Third Party Funds and Non-Performing Financing for Mudharabah Financing in Indonesia's Sharia Banking

Mudharabah financing is the core of sharia banks and based on the profit sharing. In sharia principles, it is considered as a characteristic of sharia banks. This study aims to find out the influence of third party funds and non-performing financing on mudharabah financing in Indonesia's Sharia Banking. This research employed quantitative research methods using associative approach with the type of secondary data. The data analysis used Partial Least Square (PLS) with the Structural Equation Modeling (SEM) approach, while the application used was WarpPLS. The results revealed that TPF has a significant effect on Mudharabah Financing, while NPF has not. This is indicated by a coefficient value of 0.63 and ap-value of 0.000 for the effect of TPF on Mudharabah Financing. Meanwhile, the influence of NPF on Mudharabah Financing has a coefficient of 0.13 and a p-value of 0.16.