Sharia Rural Banks Research Articles

Analisis pengaruh rasio kinerja keuangan terhadap profitabilitas bank pembiayaan rakyat syariah di indonesia

This research analyzes about the influence of financial performance ratio to profitability of Rural Bank of Sharia in Indonesia. Financial performance ratio variables are proxied by the Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), and Operating Income Operating Expenses (BOPO). Profitability ratio is proxied with Return on Assets (ROA) and Return on Equity). The method used is Lin-Log Logarithm Transformation on Multiple Regression model. The results explain that the Capital Adequacy Ratio (CAR) ratio has no effect and the direction of negative moving relation to ROA and ROE. Non Performing Financing (NPF) and Financing to Deposit Ratio (FDR) ratios have a negative moving influence and direction towards ROA and ROE. Operating Expense and Operating Revenue Ratios have a significant influence. Direction of negative moving relation to Return on Assets (ROA) and positive to Return on Equity (ROE). This study found that the profitability of Sharia Rural Banks in Indonesia (BPRS) is influenced by the level of problem financing, proper allocation of financing, and the balance of operational efficiency.

EFEKTIFITAS PEMBIAYAAN MUDARABAH/MUSYARAKAH DALAM MENINGKATKAN KINERJA BANK PERKREDITAN RAKYAT SYARIAH DI PROVINSI BANTEN

The purpose of this research is to analyze the effect of the distribution of mudarabah/musyarakah financing to the performance of mudarabah/musyarakah financing in Sharia Rural Bank Banten Province as well as to build a model of mudarabah/musyarakah financing that is effective in improving the performance of Sharia Rural Bank in Banten Province. The research method used is survey method with quantitative approach with multiple regression analysis. Hypothesis testing using SPSS v.17 software. Data collection techniques used are documentation, survey, and interviews. The population of this research is all the leaders and staff of financing in Banten Province, with 40 samples. The results showed that the variables of Third Party Fund Mobilization, Minimizing Dependence on Subsidies, Incentive System for On-Time Payments, and Building Good Relationships with Customers have a significant positive effect on the Mudarabah/Musyarakah Financing Performance, while the Selection Process and Control Process on Business variables have no effect on Mudarabah/Musyarakah Financing Performance. Keywords: Sharia Rural Bank, Mudarabah/Musyarakah Financing, Effectiveness, Performance

Pengaruh Equivalent Rate, Profitabilitas, dan Jumlah Kantor Terhadap Dana Pihak Ketiga BPRS di Indonesia (Periode Tahun 2013-2015)

This study aims to determine the effect equivalent rate, profitability and the number of offices to Third Party Funds of Sharia Rural Banks in Indonesia in 2013 until 2015. The research method used is a quantitative approach. The dependent variable in this study is the Third Party Funds, as well as the independent variable in this study is equivalent rate, the rate of profit andthe number of offices. Sample used is a saturated sampling and used multiple linear regression as analytical technique.Research results shows that the confidence level is 95%, equivalent rate, profitability, and the number of office have a significant effect on the magnitude of the amount of third party funds Sharia Rural Banks in Indonesia with 81.1% integration level. The partially, only the rate ofprofit and the number of office that significantly influence the large number of Sharia Rural banks in Indonesia.

Segmentation of Sharia Rural Banks based on Growth of the Business Performance

The Otoritas Jasa Keuangan (OJK) is an institution that is responsible to supervise bank operational in Indonesia, including those which are BPRS’s. As a part of their tasks, they do a monitoring procedure to recognize the performance progress of BPRS. A time series analytics could help in studying time-to-time change of certain performance indicators. In term of the performance indicators, not all BPRS has a good growth since they were established. Indeed many of them are growing positively, but some of them may have up-and-down pattern, even tend to be negatively diminishing. Recognizing the time series pattern of the performance indicators of BPRS is useful for OJK to identify working strategy. This recent paper focuses on segmentation process to identify groups of BPRS based on their growth pattern in multivariate time series cluster analysis cases. The result is there are 3 groups of 156 rural banks, 128 banks in the first group, 18 banks in the second, and 10 banks in the third. The general patterns of each group follow: cluster 1 is a group of banks whith positive growth in most of the variable; cluster 2 is a group that the banks that belong to this cluster have negative growth along the time, especially in the last two years; whereas Cluster 3 consist of rural banks with negative growth at the beginning of the observation period and then got rebound at the rest of the time.

Efficiency of the Sharia Rural Bank in Indonesia Lead to Modified Camel

The magnitude of potential micro-banking market makes many banks and other financial institutions to make profits in the segment of small and micro banking as a market for rural banks (BPR), especially Sharia rural banks (BPRS). Thus, the efficient BPRS is required to survive amid the competition. This study used parametric stochastic frontier approach (SFA) with the asset approach to analyze the efficiency levels of 59 BPRS in the period of 2nd Quarter June 2011 – 4th Quarter December 2012. The level of Bank efficiency could be integrated with the performance of banks which is adopted from Central Bank (BI) criteria, namely CAMEL (Capital, Asset Quality, Management, Earnings and liquidity). The results of this study indicated that there are significant differences between the efficiency level measured by SFA and the performance of CAMEL measured by ratio, which means that existing of CAMEL method do not show the level of efficiency of BPRS concerned. In addition, this study also showed that the BPRS is less efficient than Sharia Banks (BUS).