Party Funds Research Articles

Determinan Penyaluran Kredit pada Bank Perkreditan Rakyat di Sulawesi Utara

The role of banking as an intermediation institution is very important in supporting the running of the economy and national development, considering its function as an organizer of payment transactions, an intermediary between debtors and creditors, and so on. The main focus and activity of banking in carrying out its intermediation function is credit distribution. This research is motivated by the existence of a gap phenomenon where the credit distributed by Rural Banks in North Sulawesi is not yet optimal. Thus, it is necessary to examine the factors that influence credit distribution, some of which are Third Party Fund (TPF) and Non-Performing Loan (NPL). The aim of this research is to find out the influence of Third Party Fund and Non-Performing Loan on credit distribution at Rural Banks in North Sulawesi. The analysis technique used in this research is multiple linear regression with the Ordinary Least Square (OLS) method. The results show that Third Party Fund and Non-Performing Loan have a positive and significant effect on credit distribution. Based on the results, it is hoped that Rural Banks can further increase Third Party Fund and minimize the occurrence of Non-Performing Loan in order to increase credit distribution at Rural Banks in North Sulawesi.

БАННО-ПРАЧЕЧНОЕ ХОЗЯЙСТВО ВО ВЛАДИМИРСКОЙ И ИВАНОВСКОЙ ОБЛАСТЯХ В ГОДЫ ВЕЛИКОЙ ОТЕЧЕСТВЕННОЙ ВОЙНЫ

Study of the bath and laundry facilities’ activities during the Great Patriotic War aims to fill in the scientific and historical lacuna regarding the studied regions and to conduct comparative analysis of the situation in this area with other rear regions. Few studies on this issue made it possible to identify similar trends in different regions of the country from Eastern Siberia and the Urals to the Middle Volga region and the Northwest, and therefore the task of the article is also to identify the specifics of two regions of the Upper Volga Region. Materials from regional archives, extracted mainly from party funds, were used in the work. During the study the main difficulties and shortcomings in the work of baths and laundries in the region were identified, as well as the importance of this area for the sanitary and epidemiological situation was shown. Attention is drawn to the fact that this branch of consumer services was considered by the local leadership as insignificant, and therefore it was not given due attention, and this trend, characteristic of other rear regions, fully manifested itself in Vladimir and Ivanovo regions. The failure of the baths and laundries to comply the plans issued by the local authorities was due to a chronic shortage of fuel, relatively worn-out equipment, as well as a shortage of personnel. All these problems were commonplace for other sectors of the housing and communal services.

Restructuring Strategy: A Performance Review of Spin-off Islamic Banks in Indonesia

The deadline of 2023 has almost passed for the obligation to conduct a spin-off for sharia business units in Indonesia to become a fully-fledged Islamic bank. However, a number of empirical findings highlight the urgency of evaluating this policy. Furthermore, many sharia business units are unable to meet the minimal standards. The paper aims to review prior studies on how spin-off decisions affect the financial performance of spin-off Islamic banks in Indonesia. Information was gathered from the Google Scholar and Mendeley databases using a literature review methodology. This study reveals that 18 publications have tracked 10 Islamic spin-off banks and 18 financial performance indicators. Following the spin-off, six Islamic banks, including BNI Syariah, BRI Syariah, BJB Syariah, Bank KB Bukopin Syariah, BTPN Syariah, Bank Aceh Syariah, BCA Syariah, Bank Syariah Mandiri, and Panin Dubai Syariah Bank, experienced an improvement in their financial performance. Assets, third party funds, financing, market share, CAR, NPF, ROA, z-score, and Maqasid Sharia Index were the main performance indicators that experienced a significant improvement after the spin-off.

BANK CREDIT GROWTH IN INDONESIA DURING THE COVID-19 PANDEMIC AND ITS REGULATIONS

Credit growth related to production, consumption, investment, exports, and imports is considered crucial for economic growth. The Covid-19 pandemic has had a major impact on the economies of countries in the world, as seen from a significant decline in credit growth. This study examines the effects of Economic Growth, Exchange Rate, Inflation, BI Rate, Third Party Funds (TPF), and Non-Performing Loans (NPL) on Banking Credit Growth in Indonesia during the COVID-19 Pandemic Period and regulations issued during that period. Analysis using multiple linear regression method using EViews 10 software with data type in the form of time series. The results of this study showed that only TPF growth had a significant effect. Simultaneously, the variables of Economic Growth, Exchange Rate, Inflation, BI Rate, NPL and Deposit Growth have a significant effect. The most dominantinfluencing variable is deposit growth.

THE RUSSIAN FEDERATION AS AN OBJECT OF FOREIGN POLICY ANALYSIS OF MODERN GERMANY

The relevance of the study is due to the increasing role of the information factor in modern conditions. The amount of information is rapidly increasing, military methods of warfare have given way to information warfare, and even more countries are including ensuring information security in the list of national interests in their strategy. The article emphasizes that Germany is no exception: the country has an established, developed system of information and analytical support for decision makers, which consists of several elements: private, controlled analytical structures and party funds. The author notes that the research topics of information and analytical centers are devoted to various current areas of foreign policy. One of the main priorities of information and analytical reports at the present stage is the Russian Federation. The article identifies the main areas of research in Russia: military operation in Ukraine, the energy crisis, the current state of security policy, internal problems of Russian society, Russia’s relations with other actors in the international arena. The significance of the scientific article is in the need to take into account the results of the work of information and analytical centers of Germany when forming Russia's foreign policy in the German direction.

Political party financing regulation and gaps for corporate donations: Case of the developing country

The excessive corporate involvement in funding political parties jeopardizes the quality of performance of political parties (Mietzner, 2015). This paper aims to analyze the extent to which existing regulations govern the finances of political parties and to find gaps that corporations and political parties often exploit. Moreover, this paper practically seeks to provide practical policy recommendations. This study used qualitative methods, including in-depth and semi-structured interviews with seven purposefully selected informants. This study also involved library research through the collection of various regulations, factual data, and expert opinions from various secondary sources, namely the government and non-governmental organizations. The study found that existing regulations play a very limited role in maintaining the integrity of political parties. The issues found range from irrational donation limits, unregulated spending limits, and incomprehensive financial statements, as well as low supervision and law enforcement by election organizing agencies. Criminal acts against organizations, committed by both corporations and political parties, are still left unaddressed by the law enforcement. Therefore, this paper recommends the formulation of a law that specifically regulates political party finances. Independent institutions that can oversee the parties’ finances as well as legal breakthroughs is also essential in promoting transparency and honesty.

Web-Based Information Systems for Political Parties and Community Organizations Using Extreme-Programming Methods

Badan Kesatuan Bangsa dan Politik is expected to be able to carry out its tasks and functions as a promoter of government affairs in the area of national unity and politics. However, there is still a frequent process of verification of registration files of association organizations and political parties, which is interrupted so that the registration process becomes obstructed. There are no available data on the existence and management of both social organizations and political parties. Delivery of accountability reports for political party funds is always late so the financial administration process is hampered, causing low budget absorption. Delivery of data desks of elections of heads of district or general elections is still manual, so late incoming reports cause information to the leadership to be unupdated. The research is aimed at building a web-based information system that provides registration, verification and filing features for political parties and association organizations. The method used is Extreme Programming with phases of planning, design, encoding, and testing. The results of this study resulted in a reliable and easy-to-use information system and showed 100% accuracy of the black box test results.

Financing to deposit ratio, dana pihak ketiga, modal sendiri, dan tingkat bagi hasil terhadap profitabilitas Bank Umum Syariah di Indonesia: Peran jumlah pembiayaan sebagai variabel moderasi

This study aims to analyze the effect of Financing to Deposit Ratio (FDR), Third Party Funds (TPF), Equity, and Profit-Sharing Rate on profitability (ROA) with the amount of financing as a moderating variable at Islamic Commercial Bank in Indonesia for the period 2017-2021. The data used are secondary panel data from the annual reports of banks registered with the OJK, with data analysis using moderated regression analysis (MRA) and samples taken by purposive sampling. The study results indicate that FDR and TPF have a negative but insignificant effect on ROA, equity is not significant, and the profit-sharing rate has a significant positive effect on ROA. The amount of financing cannot moderate the relationship between FDR, TPF, and equity on ROA; instead, it negatively affects the relationship between the profit-sharing rate and ROA.

Analysis of the Effect of Third Party Funds, Non-Performing Loans, Loan to Deposit Ratio on Lending Before and After Covid-19 with Profitability as a Moderating Variable in Conventional Banks Listed on the Indonesian Stock Exchange for The Period 2017 – 2022

This study aims to analyze the factors that influence lending in banking companies on the Indonesia Stock Exchange, with a focus on third-party funds, non-performing loans, and loan-to-deposit ratios. Profitability is also evaluated as a moderating variable. The research object includes 40 conventional banks of the Indonesia Stock Exchange from 2017 to 2022. The analysis method involved multiple linear regression, moderated regression analysis, and paired sample t-tests. The results show that third-party funds have a significant positive effect on lending. Non-performing loans also affect lending positively although not significantly. Loan to deposit ratio has a positive and significant effect on lending. There is a significant difference in the level of third-party funds and loan-to-deposit ratio before and after the Covid-19 pandemic. However, there is no significant difference in the level of non-performing loans. Profitability does not moderate the effect of variables on lending.

Determinants of Islamic Commercial Bank Performance in Indonesia

As financial intermediary institutions, banks have a strategic role in driving the economy, so bank performance must be appropriately maintained. This study aims to analyze the effect of third-party funds and working capital financing of Islamic commercial banks on the performance of Islamic commercial banks in Indonesia. The research method used is quantitative by conducting multiple linear regression tests. The data type used is secondary data from 2015 to 2022, with a sample of 13 Islamic commercial banks in Indonesia. The data was obtained from BI and OJK reports published on https//www.ojk.go.id. The study results indicate that Third Party Funds do not affect Indonesia's ROA of Islamic commercial banks. Working capital financing significantly affects the ROA of Islamic commercial banks in Indonesia. And if together, third-party funds and working capital financing significantly affect the ROA of Islamic commercial banks in Indonesia. Third-party funds do not affect the ROA of Islamic general banks because the operational costs (BOPO) borne by Islamic general banks are included in the very high category. Therefore, to increase ROA, banks must apply the principle of prudence and valid calculations in carrying out banking operations and financing.

ANALISIS PENGARUH CAPITAL ADEQUACY RATIO, DANA PIHAK KETIGA, FINANCING TO DEPOSIT RATIO DAN NON-PERFORMING FINANCING TERHADAP RETURN ON ASSET BANK UMUM SYARIAH PERIODE 2014 - 2017

The purpose of this research is to examine and analyze relation between independent variable Capital Adequacy Ratio, Third Party Funds, Financing to Deposit Ratio, and Non-Performing Financing to Return On Asset Sharia Commercial Bank. Sampling determined by using purposive sampling method and the observation sampling is eleven Sharia Commercial Bank. Data obtained as secondary data on quarter financial report for Sharia Commercial Bank, start from quarter I for year 2014 to quarter IV year 2017. The analysis tools on this research is using multiple linear regression analysis, the hypothesis is based on prior research with similar topic and another supporting theory. The results from this research shows that Capital Adequacy Ratio have Positive significant effect on Return On Asset Sharia Commercial Bank, Third Party Funds and Non Performing Financing have negative significant on Return On Asset, meanwhile Financing to Deposit Ratio doesn't effect Return On Asset.

Pengaruh Perbankan Syariah terhadap Pertumbuhan Ekonomi Indonesia

The purpose of this research is to determine the effect of total assets, financing provided, Third Party Funds (TPF), Non Performing Financing (NPF) on Indonesia's economic growth for 6 (six) years from 2017 to 2022. This research using quarterly secondary data from the first quarter of 2017 to the fourth quarter of 2022 sourced from Sharia Banking Statistics (SPS) published by the Financial Services Authority (OJK) for data on assets, Financing Provided, Third Party Funds, and Non Performing Financing (NPF). Meanwhile, economic growth data is measured using Gross Domestic Product (GDP) data from the Indonesian Central Statistics Agency (BPS). The data processing technique used in this research is multiple linear regression using Eviews version 12 software to determine the relationship between the dependent variable and the independent variable. The research results show: 1) Partially Total Assets and Financing Provided (PyD) have a significant and positive influence on Indonesia's economic growth. 2) Partially, Third Party Funds (TPF) and Non Performing Financing (NPF) have a insignificant influence on Indonesia's economic growth. 3) Simultaneously Total Assets, Financing Provided (PyD), Third Party Funds (TPF), and Non Performing Financing (NPF) have a significant positive influence on Indonesia's economic growth

Pengaruh Capital Adequacy Ratio (CAR), Dana Pihak Ketiga(DPK), Non Performng Finance terhadap Profitabilitas Perbankan Pada Tahun 2016 - 2020

This study aims to determine whether the capital adequacy ratio, non-performing finance, third party funds affect the profitability of Islamic banking. The grand theory in this study uses Agency Theory. The population in this study is Islamic banking registered on the OJK website. Using purposive sampling technique by using secondary data. The results of this study indicate that the capital adequacy ratio has a positive and insignificant effect, third party funds have a negative and insignificant effect on the profitability of Islamic banking and non-performing finance has a negative and significant effect on the profitability of Islamic banking.

The Effect of the Level of Development of Third Party Funds (DPK) and Return On Assets (ROA) on Musyarakah Financing at Bank BCA Syariah for the 2018-2022 Period

This study aims to examine the direct influence of the level of development of Third Party Funds (DPK) and Return On Assets (ROA) on Musyarakah Financing at Bank BCA Syariah for the 2018-2022 period. This research uses quantitative data types. The data in this study are secondary data. Secondary data is in the form of financial statements at Bank BCA Syariah published in 2018-2022. This study used secondary data where the data was obtained by non-participant observation. The results showed that the variables that affect musharakah financing are based on the test table t the level of development of Third Party Funds (DPK) X1) on Musyarakah Financing (Y) where the significance value (Sig) X1 is 0.001 < 0.05 and the t value is calculated 28,795 > t table 4,303, it can be concluded that H1 is accepted. Furthermore, the Level of Development of Third Party Funds (X1) and Return On Assets (X2) simultaneously on Musharakah Financing (Y) where based on the F test table the significance value (Sig) for the effect of the Level of Development of Third Party Funds (X1) and Return On Assets (X2) simultaneously on Musharakah Financing (Y) is 0.002 < 0.05 and the value of F is calculated at 511,539 > F table 9.55, it can be concluded that H3 is accepted. While the variable that does not affect musharakah financing is Return On Assets (X2) to Musharakah Financing (Y) where based on the test table t significance value (Sig) Return On Assets (X2) of 0.452 > 0.05 and t value calculated 0.926 < t table 4.303, it can be concluded that H2 is rejected.

Analysis of The Influence of Market Share of Islamic Commercial Banks in Indonesia: Microeconomic and Macroeconomic Indicators

The intention of this study is to examine how macroeconomic factors, microeconomic indicators, the NPF Nett ratio, and Third Party Funds (DPK) affect the growth of the market share of Islamic commercial banks in Indonesia from 2016 to 2023. The Financial Services Authority's Islamic Banking Statistics statistics are available on the official website www.ojk.go.id, which is the study's information source. One of the criteria utilized in this study is Islamic Commercial Banks that have constantly been registered with the Financial Services Authority (OJK) between 2016 and 2023. In this study, data are processed and Classical Assumptions are tested using the Least Square (LS) method. Research of this kind is quantitative. The results of this study indicate that the macroeconomic indicators are the inflation and interest rate variables, FDR, ROA, BOPO, and NPF Nett statistically have no influence, but implies that the NOM, CAR, and DPK variables statistically have influence on the market share of Islamic Commercial Banks in Indonesia in the period 2016-2023.

Contribution of Sharia Banks to the Indonesian Economy

Introduction: Banks, as financial intermediaries, have a strategic role in driving the economy. This research analyzes the influence of third-party funds and working capital financing of Sharia commercial banks on the Indonesian economy. Research Methods: The research method is quantitative by conducting multiple linear regression tests. The data type used is secondary data from 2015 to 2022, with a sample size of 13 Islamic commercial banks in Indonesia. This data was obtained from BI and OJK reports. Results: The research results show that; There is a significant influence between the Third Party Funds variable on Gross Domestic Product. There is a significant influence between the Working Capital Financing variable on the Gross Domestic Product. And together the variables Third Party Funds and Working Capital Financing have a significant influence on Gross Domestic Product. With a coefficient of determination value of 91.8 percent. Conclusion: This shows that Islamic banks have a real contribution to economic growth in Indonesia. So management and the government must improve bank performance so that the circulation of funds in banks runs smoothly, people's production activities increase, the use of labor is maximized, and ultimately the Indonesian economy improves.

Analysis of the Influence of Third Party Fund Composition, BI Rate, and Firm Size on Corporate Loan Prime Lending Rate

Abstract
 The purpose of this study is to ascertain if the basic credit interest rate (SBDK) for corporate credit in banking businesses listed on the Indonesia Stock Exchange in 2018–2021 is influenced by the TPF composition, the BI-7 Day Reverse Repo Rate (BI Rate), and the size of the company. This study employed secondary data for its data collection. Publications representing the completed version of the data are acquired. Regression coefficient research indicates that the factors related to current accounts and business size are negative, but the variables related to savings, deposits, and BI Rate are positive. Joint hypothesis testing results indicate that the basic credit interest rate is influenced by the size of the company, the BI Rate, and the makeup of third-party funds. The basic credit interest rate is influenced by the BI Rate and company size, but not by the makeup of third-party funds. The value of R square is 0.271. This demonstrates how the BI Rate, the size of the company, and the makeup of third-party funds affect the basic credit interest rate by 27.1%, with other factors influencing the remaining amount. 
 
 Abstrak
 Penelitian ini bertujuan untuk mengetahui apakah komposisi DPK, BI-7 Day Reverse Repo Rate (BI Rate), dan ukuran perusahaan berpengaruh terhadap suku bunga dasar kredit (SBDK) kredit korporasi pada perusahaan perbankan yang terdaftar di Bursa Efek Indonesia. pada tahun 2018 – 2021. Data yang digunakan dalam penelitian ini adalah data sekunder. Data yang diperoleh sudah dalam bentuk jadi berupa publikasi. Hasil penelitian koefisien regresi variabel transaksi berjalan dan ukuran perusahaan bernilai negatif, sedangkan variabel tabungan, deposito dan BI Rate bernilai positif. Hasil pengujian hipotesis bersama menunjukkan bahwa komposisi dana pihak ketiga, BI Rate, dan ukuran perusahaan berpengaruh terhadap suku bunga dasar kredit. Secara parsial BI Rate dan ukuran perusahaan berpengaruh terhadap suku bunga dasar kredit, sedangkan komposisi dana pihak ketiga tidak berpengaruh. Nilai R square sebesar 0,271. Hal ini menunjukkan bahwa komposisi dana pihak ketiga, BI Rate, dan ukuran perusahaan berpengaruh terhadap suku bunga dasar kredit sebesar 27,1% sedangkan sisanya dipengaruhi oleh faktor lain.

THE IMPACT OF CREDIT RISK ON THE FINANCIAL PERFORMANCE OF INDONESIAN STOCK EXCHANGE-LISTED BANKS

The important role of banks as financial institutions tasked with collecting and distributing funds in the form of loans to the public aims at economic growth and the improvement of social welfare. In the big bank war, public trust is needed to save money in banks whose health is the top priority. To examine the health of your bank, you can use the Nonprofit Lending Ratio (NPL) analysis. The following applies. The lower the bad debt amount, the lower the credit risk borne by the bank and the better the financial performance of the bank. The purpose of this study is to empirically prove how the level of credit risk as measured by NPL ratio reduces or increases the financial performance of Bank Indonesia as measured by ROA and ROE. The study design is a descriptive quantitative approach. The study population includes all banking companies listed on the IDX for the period 2018-2021. The study sample used a sampling technique using a targeted sampling technique with a sample of 176 observations. This study uses panel data regression starting with model testing, classical assumption testing, and statistical testing. Statistical t-test results show that high bank credit risk can affect financial performance. Our contribution is for Management can work to raise the bank's health level by increasing third party funds (DPK), which will encourage clients to maintain their money in the institution, so raising the bank's health level to a healthy condition. Banks employ a variety of techniques, such as developing new innovations to boost customer security while also paying close attention to the issue of customer accessibility to raise customer pleasure, which in turn has an impact on boosting customer loyalty.

Factors Influencing Third-Party Funds of Islamic Bank: A Case Study in Indonesia

This study examines the factors influencing the Third Party Fund (TPF) of Islamic Banks in Indonesia, with a focus on the constructs of Size (Total Assets), Liquidity (measured by the Financing to Deposit Ratio), and Gross Domestic Product (GDP). The data for the study were collected from five Islamic Banks over a period of five years, resulting in a dataset of 100 observations. The research employs a quantitative research method, utilizing multiple linear regression. The results of the analysis indicate that both Size and Liquidity have a significant positive impact on TPF, suggesting that higher levels of Size (Total Assets) and favourable liquidity conditions can contribute to an increase in TPF. However, the hypothesis regarding the impact of GDP on TPF was not supported, indicating that GDP does not have a significant relationship with TPF in this context. These findings have important implications for the management of Islamic Banks in Indonesia. Bank managers should prioritize strategies that enhance liquidity management and ensure sufficient total assets. By maintaining favourable liquidity conditions and expanding total assets, banks can attract more Third-Party Funds, thus fostering growth and stability in the Islamic banking sector. Furthermore, the study highlights the role of regulatory oversight in maintaining public trust in Islamic Banks. Effective regulatory frameworks and supervision are crucial in ensuring compliance with Islamic principles and promoting public confidence. In conclusion, this study provides valuable insights into the factors influencing TPF in Islamic Banks in Indonesia.

THE IMPACT OF DISTRIBUTION OF FUNDING AND THE AMOUNT OF THIRD PARTY FUNDS ON THE PERFORMANCE OF BANK BCA SYARIAH PERIOD 2014 – 2021

The main problem in this thesis is the relationship of third party funds and financing to profits at Bank BCA Syariah. The purpose of this study is to determine how big the relationship between third party funds and financing to the profits of Bank BCA Syariah.This study uses the profitability variable using the Return On Asset (ROA) measurement, and the independent variable is TPF (Third Party Funds).This study aims to determine whether the amount of financing and Third Party Funds has an effect on the Profit of Bank BCA Syariah. This research was conducted in 2014-2021. This research is a quantitative research with secondary data. Data analysis using multiple linear regression analysis,Simultan test (Test F), Partial Test (Test t), And Test Koefisiens determinasi. Which I got from the quarterly financial statements of Bank BCA Syariah in 2014-2021.. But first, use the classical assumption test to test the quality of the data, before it is processed by regression. From the results of this study, it was found that third party funds and financing had no significant effect on the Profit Bank of BCA Syariah.