Sustainability of sharia rural bank in Central Java

Ayuningtyas, Rosida Dwi; Wati, Rosita; Safa’ah, Fitroh

doi:10.20885/jeki.vol4.iss2.art1

Cited by 4 publications

(7 citation statements)

References 2 publications

Supporting

Mentioning

Contrasting

Unclassified

Order By: Relevance

“…Hasil penelitian Wahyuni (2014) dan Saputri (2019) bahwa NPF berpengaruh negatif signifikan terhadap FSR. Hasil penelitian itu tentunya berbeda dengan penelitian Ayuningtyas et al, (2018) bahwa NPF berpengaruh negatif tidak signifikan terhadap FSR.…”

Section: Pendahuluanunclassified

“…Berdasarkan pada penelitian terdahulu ada beberapa hasil penelitian yang tidak konsisten tentang pengaruh FDR terhadap FSR. Pada hasil penelitian Ayuningtyas et al, (2018) Pengukuran profitabilitas yang biasa digunakan dalam BUS adalah Return on Asset (ROA). Berdasarkan pada hasil penelitian terdahulu ada beberapa hasil yang berbeda-beda tentang pengaruh ROA terhadap FSR.…”

Section: Pendahuluanunclassified

“…Berdasarkan pada hasil penelitian terdahulu ada beberapa hasil yang berbeda-beda tentang pengaruh ROA terhadap FSR. Dapat dilihat pada penelitian Ayuningtyas et al, (2018) menunjukkan bahwa ROA berpengaruh positif tidak signifikan terhadap FSR. Hal ini berbeda dengan penelitian Saputri (2019) bahwa ROA berpengaruh negatif dan signifikan terhadap FSR.…”

Section: Pendahuluanunclassified

See 2 more Smart Citations

The Influence of Inflation, Exchange Rate, Non Performing Financing (NPF) and Financing to Deposit Ratio (FDR) to Financial Sustainability Ratio with Return on Aset (ROA) as Mediation

Himawan¹,

Pertiwi²

2022

AFS

View full text Add to dashboard Cite

ABSTRACT The background of this research is that banks as one of the supporters of the Indonesian economy are required to experience financial sustainability. The FSR ratio is used to determine the growth of a bank and to determine whether the bank is capable or not in continuing its financial performance. The purpose of this study was to determine the effect of inflation, exchange rates, NPF and FDR on FSR at Islamic Commercial Banks in Indonesia in 2016-2020 with ROA as a mediating variable. This research is classified as a quantitative research with a population of 14 BUS registered at OJK. The research sample was determined by purposive sampling method with specified criteria so that there were 13 samples used. Then 65 data were obtained from the 13 samples in the 2016-2020 observation period. The type of data used is secondary data. The analytical method used is multiple linear regression analysis with PLS test using Eviews 10 software. The results show that partially the inflation, exchange rate and FDR variables have no effect on the FSR of Islamic banks. The NPF variable has a negative and significant effect on FSR. And the ROA variable has a positive and significant effect on FSR. The results also show that the variables of inflation, exchange rate, and FDR have no effect on ROA. While the NPF variable has a negative and significant effect on ROA. According to the research results, ROA is only able to mediate the effect of NPF on FSR. ABSTRACTThe background of this research is that banks as one of the supporters of the Indonesian economy are required to experience financial sustainability. The FSR ratio is used to determine the growth of a bank and to determine whether the bank is capable or not in continuing its financial performance. The purpose of this study was to determine the effect of inflation, exchange rates, NPF and FDR on FSR at Islamic Commercial Banks in Indonesia in 2016-2020 with ROA as a mediating variable. This research is classified as a quantitative research with a population of 14 BUS registered at OJK. The research sample was determined by purposive sampling method with specified criteria so that there were 13 samples used. Then 65 data were obtained from the 13 samples in the 2016-2020 observation period. The type of data used is secondary data. The analytical method used is multiple linear regression analysis with PLS test using Eviews 10 software. The results show that partially the inflation, exchange rate and FDR variables have no effect on the FSR of Islamic banks. The NPF variable has a negative and significant effect on FSR. And the ROA variable has a positive and significant effect on FSR. The results also show that the variables of inflation, exchange rate, and FDR have no effect on ROA. While the NPF variable has a negative and significant effect on ROA. According to the research results, ROA is only able to mediate the effect of NPF on FSR.

show abstract

Section: Pendahuluanunclassified

See 1 more Smart Citation

The Influence of Inflation, Exchange Rate, Non Performing Financing (NPF) and Financing to Deposit Ratio (FDR) to Financial Sustainability Ratio with Return on Aset (ROA) as Mediation

Himawan¹,

Pertiwi²

2022

AFS

View full text Add to dashboard Cite

show abstract

“…The measure used to assess financial sustainability is financial self-sufficiency (FSS). In the previous financial sustainability research , Ayuningtyas et, al. (2018) method to get a significant variable affecting the financial sustainability of Islamic banking in Indonesia, namely CAR and ROA.…”

Section: Number Of Commercial Banks In Indonesiamentioning

confidence: 99%

Factors Influence Financial Sustainability Banking In Indonesia

Sholikah

Miranti

2020

View full text Add to dashboard Cite

This research aims to determine the factors that affect the financial sustainability of conventional banks and sharia banks in Indonesia. Data obtained from the financial statements of conventional commercial banks and Islamic commercial banks have been published by the Financial Services Authority (OJK) for the period 2014 to 2018. The total population used in this study are all conventional and Sharia banks that publish their financial statements on the OJK. The research variables used include Financial Self Sufficiency (FSS) as the dependent variable. Return on assets (ROA), Cash to deposits (CTD), Loans to assets (LTA), Deposits to assets (DTA) as independent variables. The analysis used is the tree classification. The tree classification method requires the dependent variable in the form of categorical data. Processing results show that three financial performance factors affect financial sustainability, namely ROA, LTA, and DTA. Error in the analysis process is 29%. So that the accuracy of using the tree classification method in predicting the factors that affect banking financial sustainability is 71%.

show abstract

“…Specific objectives to be achieved, so that rural bank/Islamic rural banks operations are sustainable rural bank/Islamic rural banks must make changes towards improvements to show good performance so that they can adjust to the existing POJK (Chou and Buchdadi: 2018). Whereas the urgency, rural bank/Islamic rural banks faces internal company problems, fraud is committed, owners, employees or management, as well as poor bank management, especially in terms of risk management, capital and human resources (Ayuningtyas, 2018). This condition causes the operation to be inefficient, if it is left unchecked, it will cause liquidity problems.…”

Section: Introductionmentioning

confidence: 99%

The Role Theof Financial Services Authority of Indonesia in Order to Support Rural Bank/Islamic Rural Bank Sustainability

Widyastuti

Ayu²

2020

IJEBAR

View full text Add to dashboard Cite

The financial services authority (OJK) released data, in all of Indonesia half of the existing rural bank/Islamic rural banks have not met the minimum capital according to the Financial Services Authority Regulation (POJK) No.5/POJK.03 / 2015, which is IDR 3 billion and IDR 6 billion according to the size of their business so far, until December 31, 2019. Of course, with the data released by the OJK, many rural bank/Islamic rural banks will be forced to stop their operations. This research aims to analyze the role of POJK in supporting the sustainability of rural bank/Islamic rural banks. This research was carried out through the following stages: 1) the researcher conducted in-depth interviews with informants with a questionnaire guide; 2) to support the results of the interview, a literature study was also conducted, especially regarding regulations related to marketing products / services; 3) from the results of the interview tabulations are made to make it easier to read the results of the interviews, 4) discuss the tabulated data so that the condition of the rural bank/Islamic rural banks can be seen, 5) make conclusions. The results of this research found that rural bank/Islamic rural banks with a fund of Rp.500,000,000, - for the time being unable to cover the risk that must be borne by rural bank/Islamic rural banks, it is necessary to have a POJK which regulates the minimum core capital. POJK is also very much needed so that rural bank/Islamic rural banks can run their business more efficiently, effectively, transparently and accountably and be able to compete fairly with other financial institutions. Keywords : POJK, rural bank/Islamic rural banks sustainability

show abstract

Sustainability of sharia rural bank in Central Java

Cited by 4 publications

References 2 publications

The Influence of Inflation, Exchange Rate, Non Performing Financing (NPF) and Financing to Deposit Ratio (FDR) to Financial Sustainability Ratio with Return on Aset (ROA) as Mediation

The Influence of Inflation, Exchange Rate, Non Performing Financing (NPF) and Financing to Deposit Ratio (FDR) to Financial Sustainability Ratio with Return on Aset (ROA) as Mediation

Factors Influence Financial Sustainability Banking In Indonesia

The Role Theof Financial Services Authority of Indonesia in Order to Support Rural Bank/Islamic Rural Bank Sustainability

Contact Info

Product

Resources

About