ABSTRACT

This study aims to identify the effect of credit diversification in the economic sector on credit risk and performance of commercial banks in Indonesia. Multiple linear regression is used to determine the effect of credit diversification on credit risk and banking performance. The data used in this study is the aggregated financial statements of commercial banks inIndonesia during the 2015-2018. The results indicate that credit diversification based on the economic sector has a significant effect on increasing the profitability of commercial banks in Indonesia. The credit diversification based on the economic sector also has a significant effect in reducing credit risk. Two control variables, namely company size and banking liquidity have a significant negative effect on profitability respectively. In the case of credit risk, the company size hasapositive effect, while the banking liquidity has no effect. These findings support the traditional banking theory which states that banks that diversify their credit portfolios can reduce the credit risk and increase profitability.

The purpose of this study was to determine the factors that effect the revenue margin murabaha in Bank Syariah Mandiri as well as to identify factors that significantly influence the revenue margin murabaha. Data analysis technique used is using multiple linear regression. The population used in this study the financial statements of Bank Syariah Mandiri. Sampling with saturated sampling method. This study using the Statistical Product and Service Solution (SPSS) version 16. The results using the F test showed that simultaneous independent variable profitability, third party funds, the overhead, the BI rate and the inflation effect on revenue margin murabaha. Partial results obtained using the t test profitability, third party funds, overhead, BI rate effect on revenue margin murabaha. This is evidenced by a smaller significance level of 0.05 is the profitability of 0.006, third party funds 0.049, 0.049 overhead costs, BI rate 0.003. While inflation variable does not effect the revenue margin murabaha with significance of 0.642 is greater than 0.05. Adjust R square the value for 0.424 indicate that revenue murabaha margin can be explained by any study variable, while the rest is explained by other factors that are not included in the study.

Abstrak

This article aims to determine the effect of inflation, the BI Rate, the exchange rate of the rupiah to the US dollar, and the amount of money supply for Third Party Funds (TPF) in Indonesians’ Islamic Banks during 2013-2016. This research method uses multiple regression analysis with time series data; gathering data from 48 samples of which are monthly data on the variables.  The result of this research find that the inflation and exchange rate variables have no significant effect on TPF, while the BI Rate variable and the money supply have a significant effect on TPF. In doing so, Islamic banking can pay serious attention to the BI rate and the money supply and in this study the BI rate on the direction of TPF. Keywords: inflation, BI rate, exchange rate, Third Party Funds