Panin Syariah Research Articles

Pengaruh Capital Adequacy Ratio, Intellectual Capital, dan Financial Non Distress Terhadap Sustainable Growth Rate pada Bank Umum Syar’iah Indonesia Periode 2020-2022

This research was conducted to see the effect of the influence Sustainble Growth Rate, Capital Adequacy Ratio (CAR), Intellectual Capital (IC) dan Financial Non Distress of Sharia Commersial Bank. The population used in this study is the financial statements of Sharia Commersial Bank. While the sample was taken from the financial statements of Bank Syariah Indonesia, Bank Aladin Syariah, BTPN Syariah and Bank Panin Syariah 2020 - 2022 using the sampling technique used was purposive sampling. The results of this study indicate that Capital Adequacy Ratio (CAR) has a significant effect on Sustainble Growth Rate this is based on the results of the t test - T count <T table or 0.700 < 1.68023, a significant value of 0.488 > 0.050 then partially has a insignificant not effect between that Capital Adequacy Ratio (CAR) against Sustainble Growth Rate. Intellectual Capital (IC) has a significant effect on Sustainble Growth Rate this is based on the results of the t test - T count <T table or 0.1360 < 1.68023, a significant value of 0.181 > 0.050then partially has a insignificant not effect between that Intellectual Capital (IC) against Sustainble Growth Rate. Financial Non Distress has a significant effect on Sustainble Growth Rate this is based on the results of the t test - T count > T table or 3.673 > 1.68023, a significant value of 0. 0.001 > 0.050 then partially has a insignificant effect between that Financial Non Distress against Sustainble Growth Rate. Based on the results of the f test, the value of Fcount is greater than Ftable or 9.429 > 2.90. Then, seen from the esults, the significant value is 0.000 < 0.050. Thus Ho is accepted (Ha is rejected). Based on these results, it shows that there is a negative and insignificant effect between , Capital Adequacy Ratio (CAR), Intellectual Capital (IC) and Financial Non Distress in deciding the Sustainble Growth Rate.

Pengaruh Faktor Internal Dan Faktor Eksternal Terhadap Non Performing Financing (NPF) Pada Pembiayaan Bank Umum Syariah

This research aims to analyze the influence of internal factors and external factors of Sharia Commercial Banks on the NPF for murabahah financing, NPF for musyarakah financing, NPF for mudharabah financing, NPF for ijarah financing, NPF for istishna financing, and NPF for qardh financing. The research method used is quantitative research using secondary data from Bank Muamalat Indonesia, Bank BCA Syariah, Bank Panin Syariah, Bank Bukopin Syariah, Bank Mega Syariah, and Bank Victoria Syariah, all of which are the results of financial reports published by the OJK during the quarterly period. 1 of 2013 to the fourth quarter of 2022. The results of this research are that internal factors and external factors have an influence on NPF in murabahah, musyarakah and istishna financing in sharia commercial banks. Meanwhile, the NPF for mudharabah, ijarah and qardh financing is not influenced by internal and external factors in Islamic commercial banks.

Analisis Komparatif Profitabilitas PT Bank Panin Syariah Sekuritas Sebelum dan Sesudah Go Public

Before going public, PT Bank Panin Syariah Sekuritas had an increase in profits; however, after going public, the company's situation declined. To boost the company's profitability, PT. Bank Panin Syariah Sekuritas must be able to make the most of the money raised during the IPO process. The purpose of this study is to compare the profitability of PT. Bank Panin Syariah Sekuritas prior to and following its IPO. The approach employed in relation to the ideas advanced relates to profitability ratios, including Return On Assets (ROA), which is used as a gauge of a company's capacity to conduct business activities. If the proceeds from the company's IPO are invested in its ongoing business operations, then
 Keywords: Profitability Ratios, Performance, go public

Assessing Sharia Banking Commitment through the Shariah Maqashid Index

In addition to earning profits, Islamic banks also carry out a missions in the field of Islamic finance, therefore profitability is not the only measure of good or bad performance. This research reviews the performance of Islamic banking in other non-financial aspects, namely by using the maqashid sharia index. The methodology used in this research is descriptive quantitative, using the sample is the financial statements of Islamic banking; BCA Syariah, BNI Syariah, BRI Syariah, Mandiri Syariah, Muammalat, and Panin Syariah during the 2018 – 2020 period. The results of the research in this article show that the performance of Islamic banking in the sample has not fulfilled the sharia function/sharia objective of the presence of the sharia bank itself, p. This shows that Islamic banks do not yet have a strong commitment to upholding sharia in muammalah (business).

Analisis Perbandingan Kinerja Keuangan antara Perbankan Konvensional dan Perbankan Syariah yang Listed di Bursa Efek Indonesia (Studi Kasus Bank BRI dan Bank Panin Syariah)

The purpose of this research is to know: 1) comparison of financial performance between conventional Bank (BRI) and Bank Syari'ah (Bank Panin Syari'ah) listed in BEI period 2011-2015 seen from financial liquidity ratio (Quick Ratio, LDR), ratio solvability (CAR), and Rentability ratio (ROA, BOPO and NPM). 2) Differences in the financial performance of conventional banks (BRI) and Bank Syari'ah (Panin Bank Syari'ah). The population in this research is Bank Rakyat Indonesia and Bank Panin Syari'ah. The sample is the financial statements of the two banks from 2011-2015. The analysis method used is the analysis of liquidity ratio, solvability and Rentabilitas. Hypothesis test using two different test average (independent sample t- test). The results show that quick ratio, LDR, CAR, ROA, BOPO, and NPM Bank BRI is good, because it has been able to reach predefined standards. For Bank Panin Syari'ah only the ratio of CAR, ROA, BOPO and NPM are said to be good, because it has been able to achieve the standards that have been determined despite decreases and increases. As for the ratio of LDR and Quick ratio in Bank Panin Syariah has not been good because during the period 2011-2015 has not been able to reach the standard set by BI at 81% -110% and 15% -20%. Quick Ratio, CAR, ROA and Net Profit Margin of Bank BRI and Bank Panin Syaria'ah there are significant differences. Meanwhile, if seen from the ratio of LDR, and BOPO there is no significant difference between the financial performance of Bank Rakyat Indonesia and Bank Panin Syariah due to significant value greater than alpha 0.05

Comparative Analysis Of The Profitability Of PT. Bank Panin Syariah Securities Before And After Going Public

The approach taken with the theories put forward is related to the profitability ratios including Return On Assets (ROA), which is used as an indicator to measure a company's ability to carry out company operations. While the profitability ratio Return On Equity (ROE) that can be used as an indicator to measure the ability of the company's equity in obtaining net income available to shareholders of the company. This research is a quantitative research using comparative analysis. the type of data used is secondary data in the form of company financial statements obtained from the company's official website, namely www.anualreport.co.id in 2010-2019. The research sampling method used saturated sampling.The results of this study indicate that there is no significant difference between the profitability ratios before and after going public at PT. Bank Panin Syariah Sekuritas in this case is seen from the indicators of Return On Assets (ROA) and Return On Equity (ROE). Keywords: Profitability Ratio, Performance, go public.

Comparison Of Good Corporate Governance(GCG) Implementation Practices In Islamic Commercial Banks In Indonesia

Sharia Banking in Indonesia has a Sharia Supervisory Board that can monitor the operation of Sharia banks so that they are different from other banks. It is hoped that with this monitoring system the operation of corporate governance will be better. This study aims to explain the differences in the application of Good Corporate Governance (GCG) between Islamic banking in Indonesia. Sharia Bank is a bank whose application is different from conventional banks. Where one of the differences is the existence of a Sharia Supervisory Board which ensures bank activities are based on sharia. Then conducted a study of Islamic banks during 2014 to 2018. This research method uses descriptive analysis based on data that has been reported by each Islamic banking. The results of the survey showed that BCA Syariah and BSM received the highest rating among other sharia banks. This explanation shows that the implementation of corporate governance has been "very good" and has been in accordance with the stipulated provisions. BNIS, BRIS, Bukopin Syariah Bank, Mega Syariah Bank, Panin Syariah Bank, Victoria Syariah Bank, and Maybank Syariah, each ranked 2 (two). This means that the implementation of corporate governance goes "well". Interestingly, the Muamalat bank which has been the oldest BUS in Indonesia is ranked 3 (three). This means that the application of corporate governance is "good enough". Some notes on Muamalat's bank that must be corrected.

Pengaruh Pembiayaan Jual Beli dan Nonperforming Financing terhadap Profitabilitas Bank Syariah (Studi Kasus Bank Syariah)

This study examines how trade financing as well as non performing financing (NPF) affect the profitability of Islamic banking in Indonesia. The profitability is measured by return on assets. The sample selection method is purposive sampling and obtained seven Islamic banks are being sampled, that is Bank Muamalat Indonesia, Bank Syariah Mandiri, Bank BNI Syariah, Bank Bukopin Syariah, Bank Panin Syariah, Bank BCA Syariah, and BRI Syariah in 5 periods of observation. Multiple regression is used to analyze the data. The result shows that trade financing have no affect while non performing financing has negatively affect on the profitability of Islamic banks.

Faktor-Faktor yang Mempengaruhi Pertumbuhan Aset Bank Umum Syariah di Indonesia

This research aims to influence of operational activity and non operational activity to asset growth in sharia commercial banks in Indonesia. The population of this study is Sharia Commercial Banks in Indonesia. The sampling technique uses purposive sampling which consists of Bank Muamalat Indonesia, Bank Panin Syariah, Bank Bukopin Syariah, Bank Syariah Mega Indonesia, Bank Victoria Syariah, BCA Syariah, Bank Syariah Mandiri, BRI Syariah and BNI Syariah. Data is sourced from the financial statements of each person each Islamic bank published through their websites bank. The method used is the Analysis of Poleed Data Regression with tools analysis namely Eviews. The results of this study operational activity with proxy mudharabah financing can’t have effect to asset growth. And than musyarakah financing and murabahah financing have effect to asset growth. While Non operational activity with proxy Deposits with Bank Indonesia have effect and Deposits with other comercial bank can’t have effect to asset growth sharia comercial bank

Risiko Pasar Saham Perbankan Syariah dengan Metode Standar Deviasi Markowitz dan Value At Risk (Var)

<p>This study describes the measurement of market risk in Islamic banking by calculating the Markowitz standard deviation and the market risk Value at Risk (VaR). The data used in this study are Islamic bank stocks in the Indonesia Stock Exchange, namely in JII or ISSI. Data obtained from reference sources and using secondary data. The observation period carried out is for 108 days from January 2 to June 11, 2020, with a daily period. The research methodology used to measure the greatest potential risk (loss) incurred in investing in the telecommunications stock index is the Markowitz standard deviation approach and the Value at Risk (VaR) using the Historical and Modeling (Analytical) methods. The results showed that the recommendations for efficient stock selection from the three banks were BRIS banks with an E (R) of 8.5% and a risk level of 1.33%. The lowest portfolio return of -0.1109% occurs on the 60th day and the highest portfolio return of 0.0769% occurs on the 47th day. Then On the daily 95% VAR, the lowest 5% return on a daily basis for BRIS is 5% from 108 days, occurs on the 85th day of -0.248% and the highest return occurs on the 47th day of 0.1444%. At the daily 95% VAR, the lowest 5% daily return of BTPN SYARIAH is 5% from 108 days, occurs on the 67th day of -0.247% and the highest return occurs on the 47th day of 0.758%. At the daily 95%, VAR with 5% lowest daily return of PANIN SYARIAH is 5% from 108 days. It does not happen, likewise, the highest return does not occur until the 108th day (the day of this research observation). If we have PANIN SYARIAH shares of Rp. 1 billion then there is no market risk (loss rate) at 95% daily. For a 5% possibility of tomorrow's portfolio loss on BRIS shares.</p>

ANALISIS PERBANDINGAN RASIO KEUANGAN ANTARA BANK KONVENSIONAL DAN BANK SYARIAH (STUDi KASUS PT BANK PANIN TBK DAN PT BANK PANIN DUBAI SYARIAH TBK PERIODE 2014-2016)

This study determines the differences in financial ratios between conventional banks and Islamic banks. The research method used is descriptive quantitative research and comparative methods. Secondary data is data obtained from companies in the form of data and documents at PT. Bank Panin Tbk and PT. Bank Panin Dubay Syariah Tbk. The samples used in this study were PT Bank Panin Tbk and PT bank Panin Dubai Syariah Tbk in 2014-2016. Based on the results of the analysis in this study, it is seen from the ratio of CAR, ROA, ROE, there are differences in financial ratios between conventional banks and Islamic banks. Judging from the percentage of financial ratios, conventional banks are better than Islamic banks. Islamic banks need to increase their ROA and ROE values because they are still below the standard set by Bank Indonesia, namely being careful in expanding their business. It is expected that every business expansion will generate profits and do not allow assets to grow without generating profits for the company.Keywords: Islamic Banking, Islamic Conventional, Bank Panin Syariah

STRATEGI KEUANGAN MATRIKS: ALAT BANTU KEPUTUSAN INVESTASI DAN PEMBIAYAAN PADA PERBANKAN SYARIAH DI INDONESIA

This study analyzes Islamic commercial banks' financial conditions using a matrix financial strategy, with its growth, investment decisions, and financing approach. The measuring instruments used are ROIC, WACC, and EVA. This research sample was 12 Islamic commercial banks in Indonesia, taken by using the purposive sampling technique. The results showed that 7 Islamic commercial banks were in quadrant three, i.e., BRI Syariah, BNI Syariah, Bank Syariah Mandiri, Bank Syariah Mega Indonesia, and Bank Panin Syariah. Then, there were four sharia commercial banks in quadrant two, namely Bank Syariah Bukopin, BCA Syariah, Maybank Syariah, and BTPN Syariah. There was one sharia commercial bank in quadrant 1, namely Bank Muamalat. Using a matrix financial strategy, Islamic commercial banks can develop strategies that lead to the effectiveness of investment decisions and financing decisions.
 Keywords : EVA, matrix financial strategy, ROIC, WACC

The Effect of Profitability Ratios on Financial Distress in Islamic Commercial Banks in Indonesia

ROA and ROE affect the Financial Distress that is if the percentage value of ROA and ROE is at a high value, it can be said that the company is still far from financial distress. The higher the return on assets means the higher the amount of net profit generated and vice versa. ROA and ROE which have increased and financial distress have increased occurred in Muamalat Indonesia bank in 2016, Bank Rakyat Indonesia in 2016, Bank Negara Indonesia in 2016 and 2018, Bank Central Asia in 2017, Bank Syariah Mandiri in 2016, Bank Panin Syariah in 2017 , Bank Mega Syariah in 2015, Bank Bukopin Syariah in 2016, Bank Victoria Syariah in 2018, Maybank Syariah in 2017, Bank Syariah State Pensioners in 2015 and 2018 and the value of Return on Assets which declined and the value of financial distress also decreased in banks. Mega Syariah in 2018, Bank Victoria Syariah in 2018, Bank Panin Syariah in 2015, and Bank Bukopin Syariah in 2018. Formulation of the problem in this study is whether there is an influence of ROA and ROE on financial distress in Islamic commercial banks in Indonesia in 2014-2018 . The purpose of this study was to determine the effect of ROA and ROE on financial distress in Islamic commercial banks in Indonesia in 2014-2018. The discussion of this study deals with the analysis of financial statements and profitability ratios and financial distress by using the Zmijewski X-score method. This research is a quantitative study using panel data regression analysis. The data used are time series data for 2014-2018 published through the official website of each Islamic commercial bank in Indonesia, which was analyzed using Software Eviews 9. Partial ROA has a tcount value Ftable (4.664855 2.77) which means that both variables affect the financial distress variable in 2014-2018. Based on the results of the acquisition R2 of 0.592051, it means that 59 percent of financial distress is influenced by ROA and ROE while 41 percent is influenced by other variables not discussed in this study.

Sharia Maqashid Index and Its Effect on The Value of The Firm of Islamic Commercial Bank in Indonesia

This research aimed to measure the performance of Islamic banks using the Sharia Maqashid Index approach and examine its effect on firm value. This current research used the Islamic Commercial Banks in Indonesia as its object, with an observation period of 2012-2018. The sampling method used was purposive sampling. It was done by setting certain criteria according to the purpose of the research and produced a total of 9 Islamic Commercial Banks (ICB) as the research sample. Sharia Maqashid Index measurement results showed the ICB performance ranked from the highest to the lowest were as follows: 1) Mandiri Syariah; 2) Panin Syariah; 3) BCA Syariah 4) Bank Muammalat Indonesia; 5) BRI Syariah; 6) Bukopin Syariah; 7) BNI Syariah; 8) Mega Syariah; 9) Maybank Syariah. The results of hypothesis testing indicated that the sharia maqashid index has an impact on increasing the value of Islamic Commercial Banks. The results of this research provided a significant contribution to the management of Islamic banks, Bank Indonesia, and the Islamic Financial Accounting Standards Development Board. For managers of Islamic banks, the results of this research can be used as performance evaluations so that the goals of establishing Islamic banks, one of which is the public interest, can be achieved. For Bank Indonesia, the results of this research can be used to design policies that can encourage Islamic banks to improve sharia-based performance. As for the Islamic Accounting Standards Board, it can be used to develop sharia compliance audit standards that can guarantee the application of sharia principles in Islamic bank operations.

Simple Additive Weighting Method for The Assessment of Sharia Banking Performance

The interest in Sharia-based financial industry products has increased rapidly, as evidenced by a large number of conventional Bank customers migrating to Islamic Commercial Banks (BUS). With this phenomenon, it is necessary to measure BUS financial performance in Indonesia by using the analysis of the Shariah Maqashid Index (SMI) concept as control and reference for the public to choose and utilize Islamic financial products in Indonesia with an empirical study approach. The object of this study is Islamic banks in Indonesia using purposive sampling techniques with the condition that only the category of Islamic Commercial Banks. The results of this study are indicators of all mashed shariah index variables with measurements using the SAW (Simple Additive Weighting) method as decision support. Eight BUS in Indonesia have different calculation results; each Islamic bank has advantages in SMI elements. That Bank Mualamah Syariah has the highest IK1 (Performance Indicator) for two years in a row. Bank Panin Syariah has the highest IK2 in 5 consecutive years. BCAS and Bank Syariah Bukopin have the highest IK3. In general, all BUS that has implemented maqashid syariah with the category 'good' because they have an average value of 3.00.

PERBEDAAN RISK AND RETURN DEPOSITO MUDHARABAH PADA BUS DI INDONESIA (PERIODE 2015-2017)

This research analyzes the level of potential risks and returns received by customers from mudharabah deposit investments. In this study the authors also analyzed the relationship between the two variables whether they have differences in.The research method used is a descriptive quantitative approach. The sample in this study were 9 Islamic Commercial Banks which included: Bank Syariah Mandiri, Bank Muamalat Indonesia, BRI Syariah, BNI Syariah, BCA Syariah, Panin Syariah Bank, Syariah BTPN Bank, Maybank Syariah Indonesia, and Bank Syariah Bukopin. The results of this study indicate that there are significant differences between the risks with investment in mudharabah deposits in Islamic Commercial Banks. The support of this hypothesis is based on the average value of Risk on mudharabah deposit investment in Islamic Commercial Banks of -0.06448, and a significance value of 0.038 (p <0.05). This shows that the two variances are not the same and different.Keywords: Risk, Yield, futures investment, mudharabah deposits

Analisis Kesehatan Keuangan Perbankan Syariah Di Indonesia Menggunakan Metode CAMEL

Based on the results of research conducted on IDX (Indonesian Stock Exchange) using the CAMEL method including CAR (Capital Asset Ratio), KAP (Qualiti Asset), NPM (Net Profit Margin), ROA (Return On Asset), BOPO (Operating Expenses Operating Expenses) and FDR (Financing On Deposit Ratio) in 7 Islamic banks in Indonesia, all dominant banks with Very Healthy predicate include Panin Syariah Bank, Mandiri Syariah, Sharia Maybank, Bukopin Syariah, BRI Syariah, BCA Syariah and BNI Syariah that mean a positive impact on the bank. The purpose of the study was to determine the health level of Sharia Banks according to the Circular Letter of BI No. 9/24 / DPbs in 2007 conducted in 2016 and 2017

PENGARUH TATA KELOLA YANG BAIK TERHADAP MAQOSHID INDEKS PADA BANK SYARIAH

This study aims to analyze the performance of each Islamic bank through the maqoshid syariah index approach, which is a measure of performance in accordance with the operational objectives of Islamic banks. In addition, an important factor in producing performance is the application of good governance so that the effect of good corporate governance will be tested on the performance of maqoshid sharia. This research was conducted at Islamic commercial banks in Indonesia in the period 2012 to 2016. The results showed that overall, the bank that has the best Islamic Maqoshid performance is Bank Panin Syariah. Regression analysis results show that good corporate governance does not affect the performance of Islamic banks in Islamic banks in Indonesia. This research proves that good governance in Islamic banks has not been able to improve the performance of Islamic Maqoshid. The biggest possibility is that banks still prioritize profits as a measure of performance.

FINANCIAL PERFORMANCE OF ISLAMIC BANKING IN INDONESIA WITH MAQASID SHARIAH APPROACH

This research aims to demonstrate the financial performance of Islamic banking in Indonesia using the Maqasid al-Shariah approach. This study used Partial Least Square (PLS) to evaluate the relationship between the Maqasid al-Shariah concept and its indicators and linear regression to prove causality relationship between variables. The research objects were Bank Muamalat Indonesia (BMI), Bank BRI Syariah (BRIS), Bank BNI Syariah (BNIS), Bank Mandiri Syariah (BMS), Bank Panin Syariah (PBS), and Bank Mega Syariah Indonesia (BSMI). The results demonstrated that the indicator of research and development were the dominant indicators in the aspect of Tahdhib al-Fard (Individual Education) and had a contribution to ROE. However, the Tahdhib al-Fard aspect (Individual Education) did not affect ROA. The indicator of equitable development was the dominant indicator in the aspect of Iqamat al-Adl (building justice) and did not affect ROA; however, equitable and functional distribution of murabaha and musyarakah contributed to ROE. The indicator of real sector investment in the aspect of Jalb al-Maslahah (improving welfare) had a dominant formative contribution, and it contributed to ROE. The concept of Maqashid Shariah simultaneously affects 34.9% of ROA and 39.7% of ROE.

EFFICIENCY PERFORMANCE ANALYSIS OF PANIN DUBAI SYARIAH BANK IN COLLECTING AND DISTRIBUTING THIRD PARTY FUNDS BEFORE AND AFTER MERGER

In this study, the researcher would make Panin Dubai Syariah Bank was the object of research on Islamic banks that carry out mergers and acquisitions. This research by using quarterly financial reports to determine the level of efficiency of the Panin Dubai Syariah Bank to be analyzed using the Data Envelopment Analysis (DEA) method. The researcher was used the annual report to find out the extent the Panin Dubai Syariah Bank carries out its Shariah values and objectives to be analyzed based on the Maqashid Index Sharia. The frontier approach can be divided into parametric approaches and non-parametric approaches. The parametric approach takes measurements using stochastic econometrics and seeks to eliminate interference from the effects of inefficiency. While the non-parametric approach with linear programs ( non-parametric linear programming approach ) performs non-parametric measurements using an approach is not stochastic and tends to combine the interference into inefficiency. This is based on the discovery and observation of the population and evaluates efficiency relative to the units observed. In the non- parametric method, the approaches that can be used are Data Envelopment Analysis (DEA) and Free Disposal Hull (FDH). The results of the measurement of Bank Panin Dubai Syariah using DEA indicate that the decision to merge carried out by Panin Syariah Bank with Dubai Islamic Bank was the right decision because, with the merger, Panin Dubai Syariah Bank could produce almost perfect efficiency value of 99% in the year 2015. With doing the merger, Bank Panin Dubai Syariah can minimize the inefficiencies that occur in the input variable so that it can maximize the efficiency that occurs in the output variable