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Journal : Journal%20of%20Islamic%20Economics%20and%20Finance%20Studies

Determinan Kecukupan Modal Bank Umum Syariah di Indonesia Periode 2015 - 2018 Luthfi Kurniawan; Marlina Tanjung; Sri Mulyantini
Journal of Islamic Economics and Finance Studies Vol 2, No 1 (2021): JIEFeS, June 2021
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v2i1.2105

Abstract

AbstractCapital is a basic element in running a business. Capital adequacy for Islamic banking is one of the main indicators for assessing the performance of Islamic banking. This study aims to examine the factors that affect capital adequacy in the Islamic banks in Indonesia. This study will examine the impact of profitability, non-performing financing, liquidity, efficiency, and bank size on capital adequacy in the Islamic banks in Indonesia. The data used in this study is secondary data with the sample collection method using saturated sampling. Thus, the population and sample are the same, namely 14 Islamic Commercial Banks. Data analysis used descriptive statistics and panel data regression analysis with the E-views 10 application and Microsoft Excel 2016. This study found that partially, from the five variables tested, there were four independent variables that had an influence on capital adequacy, namely probability profitability, liquidity, efficiency and bank size. Meanwhile, the non-performing financing variable does not have a significant effect on the capital adequacy of Islamic Banks in Indonesia.AbstrakModal merupakan unsur pokok dalam menjalankan bisnis. Kecukupan modal bagi perbankan syariah menjadi salah satu indikator utama penilaian kesehatan perbankan syariah. Penelitian ini bertujuan untuk menguji faktor-faktor yang memengaruhi kecukupan modal bank syariah di Indonesia. Penelitian ini akan menguji dampak profitabilitas, pembiayaan bermasalah, likuiditas, efisiensi, danĀ  ukuran bank terhadap kecukupan modal bank syariah di Indonesia. Data yang digunakan adalah data sekunder dengan metode pengumpulan sampel menggunakan sampling jenuh, dengan populasi dan sampel sama banyak yaitu 14 Bank Umum Syariah. Teknik analisis data dilakukan menggunakan statistik deskriptif dan analisis regresi data panel dengan aplikasi E-views 10 dan Microsoft Excel 2016. Penelitian ini menemukan bahwa secara parsial, dari lima variabel yang diuji, terdapat empat variabel independen yang memiliki pengaruh terhadap kecukupan modal, yaitu probabilitas, likuiditas, efisiensi dan ukuran bank. Sementara itu, variabel pembiayaan bermasalah tidak berpengaruh signifikan terhadap kecukupan modal bank syariah di Indonesia.
Analisis Faktor Eksternal Dan Internal Terhadap Pembiayaan Pada Bank Umum Syariah Yang Terdaftar Di OJK Annisa Nadya; Marlina Tanjung; Sugianto Sugianto
Journal of Islamic Economics and Finance Studies Vol 1, No 2 (2020): JIEFeS, December 2020
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v1i2.2095

Abstract

This research is a quantitative study to determine the effect of inflation, BI interest rates, capital influences and problematic financing on financing at Islamic banks. The dependent variable in this study is financing. While the independent variables in this study are inflation, BI interest rates, capital, and problem financing. The population of this study is Sharia Commercial Banks registered with the Financial Services Authority, which amounts to 14 Banks. The sample selection uses non probability sampling. The data used are secondary data with panel data analysis method using e-views 10. The sample used was 14 Sharia Bank for the period of 2016-2018. The results of panel data regression with a significance level of 0.05 indicate that inflation, BI interest rates, and problematic financing have no effect on financing, and capital influences has effect on financing.