Party Funds Research Articles

The influence of promotional costs on third party finds at PT. Bank BRI Syariah Indonesia

Banks receive a lot of funds from the public in the form of deposits, both in the form of Savings, Deposits, and other forms of savings offered by the Bank through the "Promotion" program carried out by the Bank. This study aims to find a relationship between Promotional Expenses incurred and the amount of Funds received from customers called Third Party Funds (DPK). In this case, as an example, we use data from Bank BRI Syariah Indonesia for the 2016 – 2020 period. statistical analysis of correlation, determination, and regression assisted by the IBM SPSS version 22 program. The results of data processing show an R2 value of 0.038% indicating that Promotional Costs have an effect on Third Party Funds of 0.0038%, the remaining 0.0038% is influenced by other factors that are not present in this study. Meanwhile, the regression equation that is formed is Ŷ = 26,705,681.242 + 203,726X indicating that if promotion costs increase, third party funds will also increase. The F test results obtained a Sig value of 0.133 greater than 0.05 (Sig. > 0.05). Judging from the results of processing the data based on the results of the regression equation, Promotional Costs have a positive effect on Third Party Funds. However, if we look at the results of the R2 value, the effect is only 0.038%, the rest is influenced by other factors outside this study. Meanwhile, if you look at the results of the F test with the Sig. 0.133 is greater than 0.05 (Sig. > 0.05) so the Promotional Costs have no significant effect on Third Party Funds. So it can be concluded that the purpose of Promotional Fees is not to invite customers to save their funds at Bank BRI Syariah Indonesia. This can raise questions for Bank BRISyariah for what purpose the Promotion is carried out.

Rethinking public funding of parties and corruption: Confronting theoretical complexity and challenging measurement

AbstractDoes the provision of state subsidies to political parties reduce their involvement in corruption? Existing research provides inconclusive evidence on this relationship, perhaps because cross‐national studies on public funding and corruption are often limited by regulation‐based indexes of political financing and by very general corruption measures. In this study, we use focused measures for both phenomena to investigate whether more generous public funding reduces party corruption. Our independent variable reflects the actual cash amount of budgetary subventions provided to parties in twenty‐seven post‐communist countries. Our dependent variable of party‐centered corruption represents the share of firms considerably affected by the informal payments made by businesses to political parties and parliamentarians to influence their decisions. We find that a higher level of state subsidies is associated with a reduction in corruption; its effect diminishes as funding increases, and its impact on corruption is lagged. However, there is a wide interval of uncertainty around these results. In the context of the existing literature, our contribution reduces the estimate of the size of a public funding effect and increases the level of uncertainty.

Tax credits as a mechanism for political party funding in Aotearoa New Zealand: an exploratory study

ABSTRACT This article explores tax credits for political party funding in Aotearoa New Zealand (NZ). Participation in the democratic process is low and declining in NZ, as political party membership drops and parties increasingly focus their attention on small numbers of large donors. Advantages of tax credits include incentivising parties to engage with society to attract donations, encouraging individuals to participate in the democratic process and potentially providing greater financial support to parties. The primary disadvantage is that tax credits require at least a small financial contribution from a donor, which will not be possible for everyone. For a relatively low cost of approximately NZ$2.35 per voter, large donations could be eliminated from the NZ political funding system, along with the concomitant potential for undue influence. Using the Canadian model for comparison, a similar system in NZ may result in greater public political engagement and better funded political parties.

FINANCIAL AND LEGAL BARRIES IN IMPLEMENTING SECONDARY MORTGAGE FACILITIES IN INDONESIA

The research is motivated to analyze mortgage-backed securities to solve the housing supply backlog problem in Indonesia. The first problem is regarding the legality of mortgage backed securities in Indonesia, the second problem is about the disinterest of the housing industry in Indonesia to take advantage of mortgage backed securities, and the second problem is optimizing existing resources to make mortgage backed securities more attractive. Since its establishment in 1998 until 2015 the mortgage backed securities or secondary housing financing facility has not been maximally utilized by the financial industry in Indonesia as an alternative source of funds to finance the provision of housing. The financial industry is still making maximum use of primary housing financing by providing loans whose funds come from third party funds. Mortgage backed securities are not attractive to the financial industry because the subject of implementation, namely PT SMF Persero, is less well known and because there are doubts about the financial benefits of mortgage backed securities for the financial industry and investors. This research is based on empirical studies conducted directly on the housing finance provider industry sector in Indonesia. A major breakthrough was made by creating new securities in the Indonesian capital market that can make mortgage backed securities more attractive, namely asset backed securities- securities participation (EBA SP), in this way mortgage backed securities are expected to be traded on the secondary market. The legal aspects to support the birth and operation of mortgage backed securities in Indonesia are complete, but the operational use of mortgage backed securities is experiencing problems due to the lack of interest in the financial industry in the issuance process and the character factor of the securities issued. The financial industry providing housing finance in Indonesia demands that the pricing of the issuance of mortgage backed securities and the trading process be made more attractive to investors.

Investigating the Cost of Election in Nigeria: The 2019 General Election in Focus

Political party funding is an important issue for all global key players in democratic accountability and transparency. One of the areas where the phenomenon is attracting interest is Nigeria. The 2019 General Election represents an important period for the study of party financing in Nigeria. This study critically examines the cost of an election in Nigeria from four perspectives: the cost of nominations, the cost of party primaries, the cost of the actual campaign, and the cost of running the Independent National Electoral Commission (INEC). The study collected data using a qualitative research design that employed the tools of key informant interviews and focus group discussions. The data collected were analysed and interpreted using thematic descriptive qualitative discussions. The study uncovers that the cost of an election in Nigeria is exorbitant and unbearable and the most disturbing aspect is the illegality involved in terms of the violation of maximum spending limit, the use of state resources, and setting a price of nomination above the reach of the common and average man. Thus, it is recommended among others that a strict regulatory sanction and monitoring form compliance should be applied appropriately.

Impact of COVID-19 in Policy Implementation on Third Party Funds Case Study: Banking in Makassar City, Indonesia

The purpose of this study is to analyze the impact before and during the COVID-19 pandemic in policy implementation on third party funds on the banking sector in Makassar city. This analysis uses the CAMELS method the ratios used are the quality ratios of CAR, NPL, NPM, ROA, ROE, BOPO, LDR, and IER to third party funds. This study uses quantitative methods using a comparative approach and analyzing using statistics. This study used a sample, by conducting a survey on 55 banks in Makassar city, before and during COVID-19. The results of a study of 55 banks showed significant differences in bank performance before and during the Covid-19 pandemic.

Impact of COVID-19 in Policy Implementation on Third Party Funds Case Study: Banking in Makassar City, Indonesia

Impact of COVID-19 in Policy Implementation on Third Party Funds Case Study: Banking in Makassar City, Indonesia

Determining Factors of Credit Disbursement Study On Conventional Banks in Indonesia

The main source of bank income is from interest, where interest income is obtained because banks extend credit to the public. Thus, credit disbursement becomes very important for banks. However, in credit disbursement, banks must be careful because of the risks faced by banks in extending credit. The research objective was to examine the effect of banking risk and profitability on credit disbursement. Bank risk consists of liquidity risk, which is measured by the loan to deposit ratio (LDR), credit risk, which is measured by non-performing loans (NPL), operational risk, which is measured by operating expenses to operating income (OEIR), and capital, which is measured by capital adequacy. ratio (CAR). While profitability is measured by return on assets (ROA), third party funds (DPK) are measured by the natural log of total third party funds. The population in this study are conventional banks listed on the Indonesia Stock Exchange. Samples were taken as many as 26 banks with purposive sampling method. The observation period is 6 years 2016 – 2021 with quarterly data. Hypothesis testing uses multiple linear regression with a significance level of 0.05. The results showed that profitability, loan to deposit ratio, capital adequacy ratio and bank efficiency level (OEIR) had a positive effect on lending. Meanwhile, non-performing loans have no effect on credit distribution.

An Empirical Study on Regional Government-Owned Bank and Local Government Fund in Indonesia

Purpose: The aim of this study is to examine which factors give impact on BPD performance as Regional Development Bank that still relies on Local Government Fund. Theoretical framework: Research on BPD performance so far without looking at special conditions where the bank's performance is experiencing very good performance and without mentioning the dependence of BPD on local government funds, so this research was conducted Design/methodology/approach: The study collects data from 25 Indonesian Regional Development Banks (BPD) in period 2013-2017. Data analysis technique in this research uses multilinear regression. Findings: The results of this research show that Growth of Third Party Fund (GTPF) has no effect on ROA. CAR and LDR have a positive and significant effect on ROA. Meanwhile, NPL and QAP have a negative and significant effect on ROA. Research, Practical & Social implications: The implication of this study indicates that management of bank needs to conduct a better strategy to maximize the profit from third party funds. Also, local government should consider other private bank as an alternative to deposit their fund. So that, Regional Government-owned bank may compete to other banks and it becomes independent. Originality/value: This study highlights the performance of BPD banks specifically in periods where the bank's performance is still very dependent on local government funds.

Faktor-faktor Yang Mempengaruhi Kemampulabaan Bank

This study aims to determine whether the Effect of Third Party Funds, Loan To Deposit Ratio and Credit Interest Rates in this study partially and simultaneously affect profitability as measured by Return On Assets (ROA). The population in this study were book IV banking companies listed on the Indonesia Stock Exchange (IDX) for the 2016-2020 period as many as 7 companies, then the sample was determined using the Purposive Sampling method, namely the sample was selected from a population of certain criteria, either expertly or scientifically. The analytical method used is the classical assumption test, multiple linear regression analysis test, partial test of determination coefficient test (t test), and simultaneous test (f test). Data testing was carried out using IBM SPSS Statistics 25 Software. The results of this study indicate that: 1) Third Party Funds (X1) have a significant effect on Profitability (ROA), because the more funds collected by the public in the form of savings, demand deposits, deposits, the more banks will distribute interest costs on the product so that it can reduce the income or profitability of a Bank. 2) Loan to Deposit Ratio (X2) has a significant effect on Profitability (ROA), because the more loans that are disbursed, the higher the interest income that will be obtained by the bank with the assumption that if the loans disbursed are in a smooth state, it will increase the bank's profit. the. 3) Credit Interest Rates (X3) have a significant effect on Profitability (ROA) because the more people who make credit, the credit interest income will increase so that it will increase the profitability of a Bank. 4) Third Party Funds, Loan to Deposit Ratio and Interest Rates Credit has a simultaneous and significant effect on Profitability (ROA).
 Keywords: Third Party Funds, Loan To Deposit Ratio, Credit Interest Rates, Profitability

The Effect of Third Party Funds on Rural Banks (BPR) Profitability With Lending Interest Rate as a Moderation Variable Period 2017 - 2022

Savings or other comparable kinds of deposits are accepted by BPR as a bank financial institution, which then distributes the money to BPR firms. To ascertain the state of the bank, it is necessary to evaluate banks as businesses. The profitability performance can be used to determine whether or not the banking industry's financial performance is sound. With loan rates serving as a moderating variable, this study attempts to present empirical data about the impact of Third Party Funds (DPK) on the Profitability of Rural Banks (BPR). The data used in this study were collected at OJK between 2017 and 2022. Explanatory research, which employs a quantitative methodology, is what this study is about every BPR in Indonesia who is registered and documented in the Indonesian Banking Statistics at OJK including the study's population. Samples were taken using a non-probability sampling methodology and a purposive sampling method. With the aid of the statistical application SPSS version 24, moderate regression analysis (MRA) was employed for data analysis. The study's findings demonstrated that third-party funds significantly impact rural banks' (BPR) profitability. Also, it was shown that interest rates had a considerable impact on rural banks' (BPR) profitability. Finally, Third Party Funds significantly impact profitability, with the effect being tempered by interest rates at Rural Banks (BPR).

The Effect of Third Party Funding and Non Performing Financing on The Development of Islamic Banking Finance in Indonesia

This study was performed to determine how much influence of third-party funds and non-performing financing to financing development of Islamic banking in Indonesia. In this study the influence of the amount independent variables partially or simultaneously on the dependent variable. The hypotesis for this research is third-party funds and non-performing financing affects the lending of Islamic banking financing in Indonesia. The data used in this research is secondary data of Bank Indonesia report on the development of Islamic banking. Multiple regression analysis is performed to find the influence of third-party funds and variable non-performing financing the development of financing. The data used in the regression must be pass the classical assumption test. The results of this research note that the third-party funds have a significant effect and non-performing financing no significant effect on the development of Islamic banking financing. Simultaneously, a third-party funds and non-performing financing a significant effect on the development of Islamic banking financing in Indonesia. Both independent variables have contributed as much as 24.7% of the change in the independent variable with a strong enough relationship level by 50%.

PENGUNGKAPAN TANGGUNG JAWAB SOSIAL BANK UMUM DI INDONESIA

Corporate responsibility is not only to report the financial statements of each company annually but also for companies to address social responsibility and be able to contribute to the environment and the surrounding community. This study aims to determine the effect of Total Assets, Third Party Funds, and Equity on the Social Responsibility of Private Commercial Banks in Indonesia. The quantitative research design was used to analyze secondary data in the form of bank financial statements from 2016 to 2020. The research method uses panel data regression analysis. The results showed that the Total Assets partially had no significant effect on Social Responsibility with a t-count value of -1.547086 which was greater than t table 2.05553 with a significance value of 0.1245> 0.05. Third-Party Funds and Equity partially have a significant influence on Social Responsibility where the t-count value of Third-Party Funds is 2.903369 and the t-count Equity is 2.388913 greater than t table 2.05553 with a significance value of 0.006 and 0.004 <0.05. Simultaneously Total Assets, Third Party Funds, and Equity significantly influence Social Responsibility. It is proven that the calculated F value is 14,429 which is greater than the F table and the significance value of 0.00 is less than 0.05. Disclosure of corporate social responsibility is determined by the amount of Third Party Funds and the amount of company Equity

Car, LDR and Third Party Funds on the Amount of Credit Disbursed by Rural Banks in North Sumatera, Indonesia

The amount of credit disbursed in several BPRs in 12 regencies / cities in 2017-2021 has decreased, where this decrease is due to the ability of several BPRs in 12 regencies / cities to increase capital adequacy (CAR) and the ability of BPRs to increase the amount of third party funds is not optimal and tends to decrease, although the ability of some BPRs to increase the amount of credit income that has been channeled has actually increased, but the increase in LDR is not able to increase the amount of credit that has been channeled to the community, so that the efforts of some BPRs in maximizing the use of funds for the process of lending to the community are not running properly. The type of research used is quantitative descriptive research. The research methodology used is multiple linear regression analysis. The results showed that partially only the CAR variable and the third party funds variable had a positive and significant effect on the amount of credit channeled by 12 BPRs in 12 regencies / cities in North Sumatra Province in 2017-2021 and simultaneously the CAR, LDR and third party funds variables had a positive and significant effect on the amount of credit channeled by 12 BPRs in 12 regencies / cities in North Sumatra Province in 2017-2021. Testing the adjusted coefficient of determination (Adjusted R Square) obtained a value of 0.851, meaning that the independent variables, namely CAR, LDR and third party fund variables, have an effect of 85.1% on the dependent variable, namely the amount of credit disbursed by 12 BPRs in 12 regencies / cities in North Sumatra Province in 2017-2021.

Being a master of metaphors

Being a master of metaphors

Third Party Funding for Dispute Resolution

Third Party Funding for Dispute Resolution

The Effect of Loan To Deposit Ratio (LDR) and Third Party Funds on Return On Equity (ROE) at PT Bank Rakyat Indonesia (Persero) Tbk Between 2012 and 2021

A bank is a financial institution that functions as an intermediary by receiving deposits of money from the judiciary community to channel it back to the community in the form of credit. This study aims to determine how much influence the Loan to Deposit Ratio (LDR) and Third Party Funds have on Return On Equity (ROE). This research was conducted at PT. Bank Rakyat Indonesia (Persero) Tbk for the period 2012-2021. The method of data collection in this study is by downloading financial statements on the PT. Bank Rakyat Indonesia. The data analysis method used in this study used normality test analysis and multiple linear regression analysis. The tests that have been carried out in this study provide results that the Loan to Deposit Ratio has no effect on Return On Equity while Third Party Funds have an effect on Return On Equity.

THIRD-PARTY FUNDS, CAPITAL ADEQUATE RATIO, PROFIT-SHARING FINANCING, AND NON-PERFORMING FINANCING ON PROFITABILITY IN SHARIA COMMERCIAL BANKS IN INDONESIA

This study aims to examine whether there is an influence from the mechanism of Third-Party Funds, Capital Adequate Ratio (CAR), Profit sharing financing, and Problematic financing on profitability in Islamic commercial banks for the period 2016-2020 with a total sample of 8 Islamic commercial banks in Indonesia. The analysis used in analysis multiple linear regression with the SPSS 18.00 analysis tool. The results of the data test stated that the f-test showed that all variables affected the profitability of Islamic commercial banks in Indonesia. Whereas through the t-test the variables of Third-party Funds (DPK), Capital Adequate Ratio (CAR), and profit-sharing financing have no effect on profitability in Islamic commercial banks in Indonesia while Non-Performing Financing (NPF) has an influence on profitability in Islamic commercial banks in Indonesia. Keywords: Third Party Funds, Capital Adequate Ratio, Profit sharing financing, Non Performing Financing, Profitability

The Determinants of Profit-Loss Sharing Financing of Islamic Banks in Indonesia

Profit-loss sharing financing is one of the leading business activities carried out by Islamic banks, including buying, selling, and leasing. Thus, it is important to identify the determinants of profit-loss sharing financing of Islamic banks. This study examines the effect of capital adequacy ratios, non-performing financing, third party funds, and profit-sharing rate on mudharabah deposits of Islamic banks in Indonesia. Eleven Islamic banks in Indonesia from 2015 to 2019 periode were selected as sample of the study using purposive sampling. Data analysis using Partial Least Square with SmartPLS software version 3.3.7. The study results indicate that third-party funds have a significant positive effect on profit-loss sharing financing. The increasing number of third-party funds that Islamic banks have collected from customers impacts increasing distribution in the form of profit-loss sharing financing. The study results also indicate that the capital adequacy ratio, non-performing financing, and profit-sharing rate on mudharabah deposits do not affect profit-loss sharing financing. The implications for Islamic banks are to maintain the amount of third-party funds collection and compliance with sharia principles.

Analisis Efisiensi Bank Umum Syariah di Indonesia (Studi Kasus Metode Stokastik Frontier)

The performance appraisal parameters of a bank are theoreticall can be seen from the level of efficiency of the bank. The efficiency of a bank will be identified from the bank's ability to produce maximum output with the most effective utilization of inputs. This study had analyzed the efficiency of Bank Umum Syariah (BUS) in Indonesia using the frontier stochastic method. The sample in the study was Bank Umum Syariah (BUS) in Indonesia with the research data analyzed in 2019 and 2020. The model used model fixes the model. The results of the analysis illustrate that Bank Umum Syariah (BUS) in Indonesia have a very good level of efficiency on inputs in the form of third party funds and labor costs with outputs in the form of financing. This study shows ROA, FDR and BOPO have a significant effect on efficiency both jointly and partially.