Third-party Funds Research Articles

The Effect of Third Party Funds, CFO, Debt Ratio on Earning Quality of Islamic Commercial Bank

This study aims to analyze the factors that affect Earnings Quality. This research will offer a new and broader view on the factors that influence the profit quality of Islamic commercial banks in Indonesia. This research use quantitative study that uses multiple regression analysis methods. The data used is panel data from 2019-2022. The factors analyzed for their influence in this study are Third Party Funds, CFO, and DER. The model estimation used is multiple regression analysis with a quantitative descriptive method. The results of the study show that the CFO and DER have an impact on earnings quality, while, third third-party Funds do not affect Earnings Quality. These findings indicates that banks need to pay more attention to managing operating cash flow (CFO) and capital structure (DER) to improve earnings quality. Proper management of these two variables can help banks achieve more stable and transparent financial performance. Although Third Party Funds do not significantly affect earnings quality, their management is still important to maintain the stability of the bank’s liquidity. These results also suggest that investors and other stakeholders may need to focus on CFO and DER as key indicators when assessing a bank’s earnings quality.

THE EFFECT OF THIRD-PARTY FUNDS, FINANCING, AND EQUITY ON NET INCOME BANK MUAMALAT INDONESIA

Third party funds, financing, and equity are important factors in some of the factors that influence net income, which take money from the public and then rechannel it into society. This research is aimed at knowing the impact Third-party fund, Financing, and Equity to Net income with research subject Bank Muamalat Indonesian period 2014-2023. This study employs multiple linier regression analysis and quantitative approaches. The study object is presented as published financial reports from Bank Muamalat Indonesia (2014-2023). And analyzed with the Eviews 12 statistical tool. The outcome of the study demonstrate Third-Party Funds a positive and significant effect on Net Income because the t-count value for Third-Party Funds > t-table is 2,9206 > 2,0280 and the significant value for Third-Party Funds < 0,05 is 0,0060 < 0,05. The result of Financing has a positive and insignificant impact on Net Income this is shown by the t-count value for Financing < t-table is 0,6558 < 2,0280 and the significant value for Financing > 0,05 is 0,5161 > 0,05. The results of Equity a negative and insignificant impact on Net Income because the t-count value of Equity < t-table is -0,1850 < 2,0280 and significant value for Equity > 0,05 is 0,8542 > 0,05. Simultaneously Third-party Funds, Financing, and Equity the effect Net Income, this is proven by the value significant F test 0,0007 < 0,05. The value of coefficient of determination (R2) is 0,3198 or 31,98%, which means that the Third-Party Funds, Financing, and Equity variables the effect net Income by 31.98%, while other factors not included in this study account for 68,02% of the explanation.

A Third-Party Funds, Capital Adequacy, Bi Rate On The Profitability Of Digital Bank Indonesia

Profitability refers to a company's capacity to make profits within a specific timeframe, by comparing the earnings generated with the assets or capital used. Based on theory, Third Party Funds, Capital Adequacy, and BI Rate can influence profitability. Bank Digital Indonesia's profitability is projected to decline during the winter of 2022-2023. The objective of this study is to ascertain and partially examine the impact of the variables Third Party Funds, Capital Adequacy, and BI Rate on the Profitability of Bank Digital Indonesia. To ascertain and analyze the concurrent impact of the variables Third Party Funds, Capital Adequacy, and BI Rate on the Profitability of Bank Digital Indonesia.This study utilized a sample of 12 digital banks spanning the time frame from 2022 to 2023. The selection technique employed was purposive sampling, which involved selecting a sample of 5 digital banks based on 8 quarterly reports. This resulted in a total of 40 data points in the sample. This research employed an associative approach, utilizing E-Views 10 as a tool for data processing. The findings of this study indicate that partially, Third Party Funds do not have a significant impact on Profitability. Similarly, Capital Adequacy does not have a significant influence on Profitability. Additionally, the BI Rate does not have a significant effect on Profitability. Meanwhile, the profitability is influenced by the Third-Party Funds, Capital Adequacy, and BI Rate, all of which occur simultaneously.

Analysis of The Effect of Credit and Financial Technology on Economic Growth in ASEAN-5

Located at the center of a dynamic economic region, ASEAN-5 countries provide opportunities for each country to improve the socio-economic conditions of its people through developing infrastructure, communication networks, human mobility, and trade in goods and services. Through the provision of credit facilities, the banking sector participates in stimulating investment and economic development. Technological developments in the financial industry and financial technology also influence economic growth. This research measures banking credit service instruments such as third-party funds, investment credit, working capital credit, and financial technology as the level of success in measuring economic growth. This research is quantitative, the analysis technique in this research uses panel data regression to see the influence of the dependent variable on the independent variable. The finding shows that third-party funds, investment credit, and working capital credit significantly affect economic growth. Meanwhile, financial technology does not have a significant effect on economic growth.

DO THIRD-PARTY FUNDS AND BANK RISKS AFFECT THE PROFITABILITY OF DIGITAL BANKS ?: INDONESIAN EVIDENCE

This study was conducted on five digital banks in Indonesia, examining the effects of third-party funds (TPF) and bank risks, including credit, market, and operational risks, on profitability. This research employs a quantitative-explanatory approach and uses 96 observational data from five Indonesian digital banks' websites using quarterly financial data from 2019-2023. This study presents novel empirical evidence that the CAR has a positive effect on digital banks' profitability (ROA), and operational risk (OCOI) has a negative effect on profitability (ROA). Using panel data regression, this study finds that TPF and market risks do not significantly affect profitability. The study underscores the crucial role of digital banks' operational and credit risks in profitability while also revealing that TPF and market risk are not among the main drivers of digital banks' profitability.

Analisis Faktor-Faktor yang Mempengaruhi Biaya Transaksi Nasabah pada PT Bank Perkreditan Rakyat Nusuma Gondang Legi Malang

This study aims to analyze the factors that affect customer transaction costs at PT Bank Perkreditan Rakyat Nusuma Gondang Legi, Malang, using qualitative methods through library research using secondary data from sources such as the bank's official website, books, journals, and related articles. The results show that the cost of obtaining third-party funds has a significant positive effect on transaction costs, while bank operational costs do not. Target profit margin and timely payment incentive costs have a significant positive effect, but loan risk costs and asset depreciation are not significant. In conclusion, factors related to bank management and operations, including cost of obtaining funds, operational costs, target profit margin, timely payment incentive costs, and asset depreciation costs, have a significant effect on customer transaction costs. Effective management is needed to minimize transaction costs and improve the efficiency of the banking industry, providing additional insights for further analysis development in supporting the growth of the banking sector

Effect of Third-Party Funds on Profitability with Credit Distribution as Moderating Variable

Effect of Third-Party Funds on Profitability with Credit Distribution as Moderating Variable

The Effect of Murabahah and Musyarakah Financing on Net Profit with Third Party Funds as a Moderating Variable at Bank 9 Jambi Syariah

### Abstract This study, titled "The Effect of Murabahah and Musyarakah Financing on Net Profit with Third Party Funds as a Moderating Variable at Bank 9 Jambi Syariah," aims to determine and analyze the impact of Murabahah financing on net profit at Bank 9 Jambi Syariah. Additionally, it seeks to examine the effect of Musharakah financing on net profit and to investigate whether third-party funds moderate these relationships. The research employs a quantitative descriptive analysis method, utilizing Moderated Regression Analysis (MRA). The study focuses on Bank 9 Jambi Syariah, analyzing data from the years 2012 to 2022. The results indicate that both Murabahah and Musharakah financing significantly affect net profit. However, while third-party funds do not moderate the effect of Murabahah financing on net profit, they do moderate the effect of Musharakah financing on net profit.

Legal Protection for Deposit Customers Who Are Not Recorded after BPR’s Business License Is Revoked

Third-party fund collectors by Rural Banks (BPR) using a pick-up service system bear the risk of internal bank misconduct leading to the omission of customer deposits in the BPR's records. The research method employed is normative research aimed at understanding the prudence principle in fund collection and legal protection for depositors. The research benefits society by enhancing their understanding of their rights as depositors in BPR. The discussion results indicate that customer identification principles Know Your Customer (KYC) embody the prudence principle in fund collection. The Financial Services Authority (OJK) mandates that BPR be accountable for customers harmed by internal misconduct. However, after liquidation, the Deposit Insurance Corporation (LPS) does not guarantee these affected customers. In conclusion, there is a legal vacuum in protecting depositors post-BPR liquidation. The lack of legal certainty in fund collection through pick-up service leads to compensatory relationships between customers and bank staff. Recommendations include amending LPS regulations to provide legal protection for affected bank customers and enhancing supervision in third-party fund collection.

The Role of Regional Development Banks (BPD) In Enhancing Community Welfare: A Case Study in West Kalimantan

Regional banks, known as Bank Pembangunan Daerah (BPD), play a vital role in regional economic development in Indonesia, particularly in supporting micro, small, and medium enterprises (UMKM) and various local development programs. This study focuses on the BPD in West Kalimantan, examining its contribution to economic development and community welfare. Utilizing a literature review methodology, we analyzed various studies and data from 2010 to 2017, highlighting the performance and impact of Bank Pembangunan Daerah Kalimantan Barat (Bank Kalbar). The findings reveal significant growth in Bank Kalbar's assets, third-party funds, and credit disbursements, reflecting its commitment to supporting UMKM. Additionally, the bank’s initiatives in sustainable finance, corporate social responsibility (CSR), and inclusive finance have enhanced local economic development and social infrastructure. Programs aimed at promoting technopreneurship, financial inclusion, and environmental sustainability have bolstered community welfare, demonstrating the bank's role in improving living standards and environmental conservation. The study underscores the importance of Bank Kalbar’s role in providing financial services and support for local communities, contributing to economic resilience and poverty alleviation in West Kalimantan. Furthermore, the research highlights challenges faced by BPDs, including the need for better regulatory support and operational efficiency. The study concludes with recommendations for optimizing the role of BPDs in sustainable development, emphasizing the importance of effective governance, risk management, and community engagement to enhance their impact on regional development and welfare.

Parametric Stochastic Frontier Approach To Measure Efficiency Pre-And-Post-Merger Bank Syariah Indonesia

This research analyses the efficiency of pre-and-post-merger Bank Syariah Indonesia (BSI). This research used a descriptive quantitative analysis method. The population in this research is Islamic banks, which were merged into BSI. The sampling technique was carried out using saturated samples, resulting in the merged of three Islamic Banks, namely Bank Syariah Mandiri (BSM), Bank Negara Indonesia Syariah (BNIS), Bank Rakyat Indonesia Syariah (BRIS), to become BSI. The data used is secondary data in the form of quarterly financial reports for 2019-2022. The research focused on input variables such as total fixed assets, third-party funds, operating costs, and financing. The data analysis techniques used to measure the efficiency of Islamic banks are the Econometric Model (Single Equation Model), Stochastic Frontier Analysis (SFA), and Independent Sample t-test. The result showed that pre-merger, the total fixed asset, total third-party funds, and operating cost as the input variables of the three Islamic Banks were optimal for generating financing. Therefore, the total assets, total third-party funds, and operating costs produced a more optimal impact on the distribution of total financing. It is shown that BSI, both pre-and-post-merger, has generally been efficient in its operational activities. The results of this research complement the theory related to the efficiency level of Islamic banks in terms of the amount of financing as measured by fixed assets, total third-party funds, and operational costs. Practically, the results of this research can be a reference for banks, especially Islamic banks, that will carry out mergers to measure their efficiency level.

The Role of Worship Values in Enhancing the Efficiency of Islamic Commercial Banks: A Data Envelopment Analysis (DEA) Approach

This study investigates the efficiency of Islamic banking in Indonesia from 2018 to 2021 through the application of Data Envelopment Analysis (DEA), incorporating Islamic principles. The analysis utilizes secondary financial data from four Islamic banks, sourced from the Financial Services Authority (OJK) and other researchers. The input variables considered include third-party funds allocated for profit-sharing and labor costs, while the output variables consist of revenue derived from the management of public funds and other operational income. The DEA results indicate fluctuating efficiency levels among the Islamic banks, with Bank Syariah Y consistently achieving 100% efficiency, signifying its status as the most efficient institution. The study identifies that revenue from public fund management negatively impacts the growth of Islamic banks, whereas labor costs and other operational income positively influence their development. These findings highlight areas requiring improvement and the factors driving efficiency in the development of Islamic banking in Indonesia.

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.

Do Macroeconomic Variables Affect Deposits in Shariah Banks?

Banks are intermediary institutions that collect funds from the public and channel them back in the form of credit and the funds collected are third party funds (TPF) which are the largest source of funds relied on by banks, including sharia banking. The challenge of sharia banking is to expand market share. Currently in Indonesia the banking market share is dominated by conventional banking. Increasing market share will increase savings in sharia banking and strengthen sharia banking as an intermediation institution. The research aims to identify the influence of macroeconomic variables on deposits in sharia banking. The research uses time-series data 2012: Q1 - 2022: Q1 and the ARDL method to estimate the short- and long-term influence of macroeconomic variables on TPF. The research results show that there are two variables that influence the short and long term, namely the GDP variable and the exchange rate. Meanwhile, inflation and interest rate variables only have an effect in the short term. The implications of the research show that increasing economic growth must be followed by increasing people's income and the stability of the rupiah exchange rate will increase people's deposits or savings in sharia banking.

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

Does Islamic Banking Contribute to Increasing Public Welfare? Evidence from Indonesian Province Panel Data

One of the Sustinable Development Goals (SDGs) targets in Indonesia is to increase the level of public welfare that can be represented in GRDP per capita. Therefore, the purpose of this study is to determine whether Islamic banking through Islamic Commercial Banks (BUS), Islamic Business Units (UUS) and Sharia Rural Banks (BPRS) in 33 provinces in Indonesia, has contributed to GRDP per capita during the 2015-2022 period. GRDP per capita as a proxy indicator for the level of public welfare to encourage the achievement of the sustainable development goals (SDGs) target. This study uses panel data regression analysis because the data is time series and cross section. The size of the Islamic banking contribution uses Islamic Bank Office (IBO), Financing and Third-Party Funds (TPF) variables in 33 provinces in Indonesia. Meanwhile, the size of the welfare level of a region uses Gross Regional Domestic Product (GRDP) per capita data. The findings of this study show that the IBO, financing, and TPF variables simultaneously have a significant positive effect on GRDP. However, partially, the IBO variable has a significant negative effect on GRDP, the financing variable has a significant positive effect on GRDP, and the TPF variable has no effect on GRDP.

Exploring the Nexus of Dividend Policy, Third-Party Funds, Financial Performance, and Company Value: The Role of IT Innovation as a Moderator

This research investigates the connection between dividend policy, third-party funds, financial performance, and company value, with a focus on IT Innovation as a moderating factor. This research was conducted using a quantitative approach, utilizing Commercial Banks listed on the Indonesia Stock Exchange categorized as BUKU 4 Banks during the period of 2016–2022. This study employed Partial Least Squares (PLS) analysis with WarpPLS 6.0 software as the tool for data analysis. This research concludes that dividend policy does not significantly impact financial performance and company value, while third-party funds have a significant positive effect on both financial performance and company value. Although dividend policy does not directly affect company value, its impact may occur through the mediation of financial performance. Additionally, IT Innovation serves as a moderating factor that strengthens the positive relationship between third-party funds and financial performance towards company value. The novelty of this research lies in the development of a more comprehensive model or concept regarding dividend policy, third-party funds, financial performance as a mediating variable, and company value when considering IT Innovation as a moderating variable.

The Effect of Capital Adequacy Ratios, Third-party Funds, and Non-performing Financing on the Liquidity of Islamic Commercial Banks in Indonesia

Liquidity is a ratio that describes a bank’s ability to provide its short-term needs. The availability of these funds is sometimes experiencing problems. One of them is the existence of problematic financing, commonly referred to as non-performing financing (NPF). Adequacy of capital and protection of all risks are things that must be fulfilled by the bank to maintain trust and provide a sense of security to the public. This capital adequacy can be measured by the Capital Adequacy Ratio (CAR). Liquidity in this study will be proxied by the Finance To Deposit ratio (FDR). The formulation of the problem in this study is: How do the third-party funds (DPK), NPF, and CAR partially affect the ratio of liquidity levels (FDR) of Islamic Commercial Banks in Indonesia? How do DPK, NPF, and CAR simultaneously affect the level of liquidity (FDR) BUS in Indonesia? This research is a quantitative study, using secondary data collection techniques for BUS financial reports for the 2017-2020 period, data analysis, multiple linear regression models, and the SPSS program. The results showed that CAR had a significant effect on liquidity with a value of 0.039 ˂ 0.05, DPK had a significant effect on liquidity with a value of 0.011 ˂ 0.05, and NPF had a significant effect on liquidity with a value of 0.006 ˂ 0.05. Collectively CAR, DPK, and NPF affect the liquidity of Islamic Commercial Banks. Keywords: capital adequacy ratio (CAR), third-party funds (DPK), non-performing financing (NPF), financing to deposit ratio (FDR)

PEMBIAYAAN BAGI HASIL: ANALISIS PENGARUH FAKTOR INTERNAL DAN FAKTOR EKSTERNAL BANK SYARIAH

The rapid development of the Islamic banking industry in Indonesia is evident in the substantial share of profit and loss sharing (PLS), particularly when compared to other nations. However, on regional scale, PLS as a primary product of Islamic banks has yet to assert dominance of disbursed financing. Analysis of internal and external factors that influence PLS of Islamic banks in Indonesia will be the focus of the research. The Error Correction Model method was chosen to determine the effects in the short and long term. Time series analysis was carried out in the time period January 2015 to December 2022. This research found that internal factors, Third-Party Funds had a positive and significant effect on PLS in the short and long term. Then Allowance for Impairment Losses in the short term does not have a significant effect but in the long term it has a negative and significant effect. Interestingly, PLS is not sensitive to CAR and economic growth. This research shows the resilience of Islamic banks in facing the crisis caused by the Covid-19 pandemic. PLS grew higher in the period after the Covid-19 Pandemic compared to before the Covid-19 Pandemic. The implications of these findings encourage Islamic banks to develop products and services, tighten risk management in the long term, and expand the market share of Islamic banks.

The Effect of TPF, NPF and CAR on Profitability with Financing as an Intervening Variable in Indonesian Islamic Banks during the Covid-19 Pandemic

The aim of this research is to determine the effect of TPF, CAR, NPF on profitability with financing as an intervening variable. This research uses a quantitative type of research using PLS analysis. This research uses quantitative research. The research was conducted during the Covid 19 pandemic in 2020, quarter 4 to 2022, quarter 1. The data population for this research was 14 Islamic commercial banks during the Covid 19 pandemic. The sampling method used was purposive sampling, namely using several criteria for the 5 Islamic commercial banks that were sampled. Study. The results that influence this research are NPF on profitability, CAR on profitability and TPF on financing. The high value of Third Party Funds (TPF), Non Performing Finance (NPF), and Capital Adequacy Ratio ( CAR) will affect the business activities of the banks, which will certainly affect the level of profitability. Meanwhile the most important and largest bank business activity is financing.