Analisis kinerja perbankan syariah di indonesia periode 2008-2017

Najiatun Najiatun, Alvin Arifin, Ach. Zuhri, Nurlaily Wulandari

Abstract


The study analyzes the performance of Islamic banking in Indonesia for the 2018-2017 period. The purpose of this study is to analyze the performance of a sharia banking institution in Indonesia for the 2018-2017 period, because the financial performance of a bank shows the condition and health of a sharia banking report. The data analysis used is panel data regression analysis which is a combination of time series data for the period 2008 - 2017 and cross-setion data consisting of Muamalat Syariah, BNI Syariah, BRI Syariah, Maybank Syariah, Mega Syariah, BCA Syariah. The findings of this study are that the CAR and NIM variables partially have no significant effect on the performance of Islamic banks (ROA). And for the NPF and FDR variables partially have a significant effect on bank performance (ROA). Suggestions that can be given are the ratio of Islamic Bank's capital (CAR) can be improved by increasing the quality of capital. This can be done by paying more attention to capital requirements for each credit expansion in Islamic banks, the quality of the NPL ratio can be improved by being more careful in lending to customers to reduce the number of bad and non-performing loans.


Keywords


ROA; CAR; NPF; FDR; NIM

References


Bhatia, A., Mahajan, P., & Chander, S. (2012). Determinants of profitability of private sector banks in India. Indian Journal of Accounting, XLII(2), 39–51.

Hutagalung, E. N., Djumahir, & Ratnawati, K. (2013). Analisa Rasio Keuangan terhadap Kinerja Bank Umum di Indonesia. Jurnal Aplikasi Manajemen, 11(1), 122–130.

Kristianti, R. A., & Yovin. (2016). Factors Affecting Bank Performance; Cases of Top 10 Biggest Government and Private Banks in Indonesia in 2004 - 2013. Review of Integrative Business and Economics Research, 5(4), 371–378.

Liu, W., Zhang, X., & Feng, S. (2019). Does renewable energy policy work? Evidence from a panel data analysis. Renewable Energy, 635–642. https://doi.org/10.1016/j.renene.2018.12.037

Manurung, A. (2015). Effects of Bonds Issuance on Banking Performance. Journal of Applied Finance & Banking, 5(5), 113–124.

Mismiwati, (2016). Pengaruh Car, Nim, Bopo, Ldr Dan Npl Terhadap Roa (Studi Pada Pt. Bpd Sumsel Babel). I-Finance, 2(1), 55–74.

Muhammad. (2005). Bank Syari’ah Problem, dan Prospek Perkembangan di Indonesia. Yogyakarta: Graha Ilmu.

Pinasti, W. F., & Mustikawati, R. I. (2018). Pengaruh Car, Bopo, Npl, Nim Dan Ldr Terhadap Profitabilitas Bank Umum Periode 2011-2015. Nominal, Barometer Riset Akuntansi Dan Manajemen, 7(1). https://doi.org/10.21831/nominal.v7i1.19365

Sukmana, R., & Febriyati, N. A. (2016). Islamic banks vs conventional banks in Indonesia: An analysis on financial performances. Jurnal Pengurusan, 47, 81–90.

Suryani, S. (2016). Analisis Pengaruh Financing To Deposit Ratio (Fdr) Terhadap Profitabilitas Perbankansyariah Di Indonesia (Rasio Keuangan pada BUS dan UUS Periode 2008-2010). Economica: Jurnal Ekonomi Islam, 2(2), 153. https://doi.org/10.21580/economica.2012.2.2.854

Wahyuni Pratiwi, L., & Wiagustini, N. (2016). Pengaruh Car,Bopo,Npl Dan Ldr Terhadap Profitabilitas. E-Jurnal Manajemen Universitas Udayana, 5(4), 2137–2166.




DOI: http://dx.doi.org/10.29264/jkin.v18i3.10046

Refbacks

  • There are currently no refbacks.


Copyright (c) 2021 KINERJA

indexing:

 

 

 

 

Creative Commons License


KINERJA: Jurnal Ekonomi dan Manajemen ISSN print: 1907-3011  ISSN online: 2528-1127 is licensed under a Creative Commons Attribution NonCommercial 4.0 International License

.

View My Stats