DETERMINANTS OF PROFITABILITY OF SHARIA REGIONAL DEVELOPMENT BANKS IN INDONESIA 2014-2017
DOI:
https://doi.org/10.26740/al-uqud.v3n1.p1-17Keywords:
Third Party Funds, Financing to Deposit Ratio (FDR), Revenue Sharing, Non Performing Financing (NPF), Profitability, Sharia Regional Development Bank (BPD).Abstract
This study aims to determine the effect of Third Party Funds, Financing to Deposit Ratio (FDR), Profit Sharing and Non-Performing Financing (NPF) on the profitability of Sharia BPDs in Indonesia in 2014-2017. Measurement of profitability uses the Return on Asset (ROA) ratio . The data used is obtained through the financial statements of the Regional Development Bank (BPD) Sharia known as the Islamic Development Bank. This research method uses a quantitative approach using panel data regression analysis techniques using EViews 10.0 software. The results of statistical tests show that the variables of Third Party Funds and Non Performing Financing (NPF) have a negative and significant effect on the profitability of the Syariah BPD. While the Financing to Deposit Ratio (FDR) and Profit Sharing Financing variables have no significant effect on the profitability of the Sharia BPD.
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Annisa, Maulidya Himmah. 2016. Pengaruh Fee Based Income, Sertifikat Bank Indonesia Syariah (SBIS), Pembiayaan Bagi Hasil, Dan Dana Pihak Ketiga (DPK) Terhadap Profitabillitas Perbankan Syariah Di Indonesia (Periode 2012-2016).Skripsi. Jakarta: UIN Syarif Hidayatullah
Fadhila, Novi. 2015. Analisis Pembiayaan Mudharabah dan Murabahah terhadap Laba Bank Syariah Mandiri.Jurnal Riset Akuntansi dan Bisnis. Volume 15 No.1
Fielyzia, Rizqita. 2017. Analisis Pengaruh Fee Based Income (FBI), Loan to Deposit Ratio (LDR), Net Interest Margin (NIM), Dan Giro Wajib Minimum (GWM) Terhadap Profitabilitas Perbankan. Skripsi. Surabaya: Universitas Airlangga
Gujarati, Damodar N. dan Porter Dawn C..2013. Dasar-Dasar Ekonometrika Basic Economics Edisi 5 Buku 1. Jakarta: Salemba Empat
Gul, Sechrish, Faiza Irshad, Khalid Zaman. 2011. Factors Affecting Bank Profitability in Pakistan. Romanian journal of economic forecasting.Year XIV, N0. 39. Accessed on 25 Juni 2018 in www.sciencedirect.com
Islamiyah, Mufidatul. 2016. Pengaruh Financing to Deposit Ratio (FDR), Dana Pihak Ketiga (DPK), dan Non Performing Financing (NPF) terhadap Profiitabilitas (Studi pada Bank Syariah Mandiri Tahun 2008-2015).Skripsi. Malang: UIN Maulana Malik Ibrahim
Ismail, Rifki. 2012. Kajian Model Bisnis Bank Syariah. Departemen Perbankan Syariah, Bank Indonesia. Diakses pada 16 Januari 2018
Ismail. 2011. Perbankan Syariah Edisi Pertama. Jakarta: Kencana Prenadamedia Group
Karim, Adiwarman A.. 2014. Bank Islam: Analisis Fiqih dan KeuanganEdisi Kelima. Jakarta: PT. RajaGrafindo Persada
Kasmir. 2016. Analisis Laporan Kuangan Edisi Pertama. Jakarta: PT. RajaGrafindo Persada
Masood, Omar dan Muhammad Ashraf. 2012. Bank-Spesific and Macroeconomic Profitability Determinants of Islamic Banks. Qualitative Research in Financial Market.Volume 4 No 2/3
Menicucci, Elisa dan Guido Paolucci. 2016. The Determinants of Bank Profitability: Emirical Evidence from European Banking Sector. Journal of Financing Reporting and Accounting. Vol. 14 Issues 1:86-115. Accessed in www.emeraldinsight.com/1985-2517.htm on 19 Juni 2018
Menteri Dalam Negeri. Keputusan Menteri Dalam Negeri Nomor 62 Tentang pedoman Organisasi Dan Tata Kerja Bank Pembangunan Daerah.1999. Jakarta. Accessed on 30 Desember 2017
Petria, Nicolae, Bogdan Capraru dan Iulian Ihnatov. 2015. Determinants of BanksŸ Profitability: Evidence From EU 27 Banking Systems. Procedia Economics and Finance. Volume 20: 518-524. Accessed on 25 Juni 2018 of: https://www.sciencedirect.com/science/article/pii/S2212567115001045
Riyadi, Slamet dan Agung Yulianto. 2014. Pengaruh Pembiayaan Bagi Hasil, Pembiayaan Jual Beli, Financing to Deposit Ratio (FDR) dan Non Performing Financing (NPF) Terhadap Profitabilitas Bank Umum Syariah di Indonesia. Jurnal Analisis Akuntansi. Accessed on 30 November 2017 of: https://journal.unnes.ac.id/sju/index.php/aaj/article/view/4208
Setiawan, Ulin Nuha Aji dan Astiwi Indriani. 2016. Pengaruh Dana Pihak Ketiga (DPK), Capital Adequacy Ratio (CAR), dan Non Performing Financing (NPF) terhadap Profitabilitas Bank Syariah dengan Pembiayaan sebagai Variabel Intervening. Diponegoro Journal Of Management. Volume 5 Nomor 4: 1-11
Sugiyono. 2014. Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Bandung: CV Alfabeta
Sulistianingrum, Dwi Rahayu. 2013. Analisis Pengaruh FDR, DPK, SBIS, NPF Terhadap ROA (Periode 2009-2012). Skripsi. Jakarta: UIN Syarif Hidayatullah
Suryani.2011. Analisis Pengaruh Financing to Deposit Ratio (FDR) terhadap Profitabilitas Perbankan Syariah di Indonesia.Jurnal Walisongo. Volume 19: No. 1
Wangsawidjaja Z., A. 2012. Pembiayaan Bank Syariah. Jakarta: PT. Gramedia Pustaka Utama
Wulandari, Retno. 2017. Pengaruh CAR, FDR, NPF, dan Pertumbuhan DPK terhadap Profitabilitas pada Industri Bank Pembiayaan Rakyat Syariah di Indonesia Tahun 2011-2015.Skripsi. Surabaya: Universitas Airlangga
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Published
2019-01-21
How to Cite
Farikhah, K., & Rani, L. N. (2019). DETERMINANTS OF PROFITABILITY OF SHARIA REGIONAL DEVELOPMENT BANKS IN INDONESIA 2014-2017. Al-Uqud : Journal of Islamic Economics, 3(1), 1–17. https://doi.org/10.26740/al-uqud.v3n1.p1-17
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