WIRMAN, WIRMAN
Trisakti School of Management

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Faktor-faktor yang mempengaruhi volume pembiayaan berbasis bagi hasil dan rasio bopo pada perbankan syariah WIRMAN, WIRMAN
Jurnal Bisnis dan Akuntansi Vol 19 No 1 (2017): Jurnal Bisnis dan Akuntansi
Publisher : Sekolah Tinggi Ilmu Ekonomi Trisakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (194.908 KB) | DOI: 10.34208/jba.v19i1.60

Abstract

The objective of the study is to obtain empirical evidence of factors affecting the volume of financing based on cost sharing and the ratio of BOPO to Sharia Banking. The number of population in this study is the number of units analyzed consisting of all Islamic banks in Indonesia either BUS, UUS or BPRS. The method of selecting the sample used is purposive sampling. Testing using multiple regression analysis. The result of the research shows that there is influence of DPK to funding based on the result of mudharabah and musyarakah in both syariah banking institution in Indonesia. There is an effect of earnings on financing based on the sharing of mudharabah and musharaka in both Islamic banking institutions in Indonesia. There is no effect of NPF/non-performing financing on Mudharabah-based finance sharing in BUS in Indonesia. However, the NPF has a significant effect on mudharabah-based revenue sharing at the SRB. There is no effect of NPF / non-performing financing on the musharaka-based financing of the BUS in Indonesia. However, the NPF has a significant effect on the musharaka-based sharing financing in the SRB. There is no effect of interest rate on cost sharing based on mudharabah and musyarakah result in sharia banking in Indonesia. There is a funding effect based on the results of mudharabah and musyarakah on the ratio of BOPO in both Islamic banking institutions in Indonesia.  
ANALISIS PEMBIAYAAN BERBASIS BAGI HASIL DAN RASIO BOPO PADA PERBANKAN SYARIAH DI INDONESIA Wirman, Wirman
Accounthink Vol 2, No 02 (2017)
Publisher : UNSIKA (Universitas Singaperbangsa Karawang)

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (415.391 KB) | DOI: 10.35706/acc.v2i02.915

Abstract

ABSTRACT The purpose of this study analyzes the factors that influence the financing volume-based profit-sharing and ROA ratio of the disclosure, the period January 2011 to December 2015. The dimensions were measured Third Party Fund (DPK) with an indication of the measurement scale ratio of the natural logarithm number of third party deposits, Profit by indications measurement scale ratio ROA, NPF (Non Performing Financing).The methodology used is panel da ta analysis using multiple linear regression. Of this study obtained a conclusion that the financing-sharing based on Islamic Banks (BUS) and Sharia influenced significantly by variable Third Party Funds (postitif / received), a variable profit (positive / received), the variable funding jammed / NPF ( Positive / received), variable Ratio ROA (positive / received), simultaneously Third Party Funds, Income and  Rate NPF significant effect (positive / received). The financing-sharing based on Bank Financing Sharia significantly influenced by variables Third Party Funds (postitif / received), a variable profit (positive / received), the variable funding jammed / NPF (positive / received), variable Ratio ROA (positive / received), simultaneously Third Party Funds, Income, and  NPF significant effect (positive / received). Keywords: Third Party Funds, Earnings, Financing Loss, Mudharabah Financing, Musyarakah and Ratio BOPO.