{"title":"On the Clustering of Islamic Rural Banks Based on Financial Performance","authors":"M. Nazar, Maivastri, D. Devianto, H. Yozza","doi":"10.1109/ICAITI.2018.8686755","DOIUrl":null,"url":null,"abstract":"Islamic Rural Banks In Indonesia as Rakyat Sharia Financing Bank (Bank Pembiayaan Rakyat Syariah, BPRS) is a sharia bank which runs its business activities with sharia principle which activities do not provide services in payment traffic. Banking must always be evaluated for its healthiness in order to remain excellent in serving its customers. To measure the healthiness of a bank can be see from the level of bank performance. This study aims to classify BPRS which is homogenous based on the level of bank performance. The variables used to measure the Bank's performance are capital (Cap), productive assets (PA), credit (Cred), third-party funds (TPF), income (Inc), capital adequacy ratio (CAR), returns on assets (ROA), returns on equity (ROE), financing to deposit ratio (FDR), non performing financing (NPF), and operational costs of operating income (OCOI) that are part of the CAMELS method. The result shows that the financial performance of BPRS from 2014–2017 tends to be not good enough. Although some of the variables used to measure performance generally are still in good condition except FDR, NPF and OCOI, but BPRS in Indonesia has always decreased its performance. As seen from the financial side of BPRS such as capital, productive assets, third-party funds, and the increasing of credit every year, which indicate that BPRS has a great opportunity to change in a better way. Through cluster analysis with Two Step Cluster method in 2014 with consisting 159 BPRS divided into 3 clusters were only 13 BPRS in good performance as the best cluster. In 2015 and 2016 Islamic Rural Banks consist 161 BPRS and 166 BPRS respectively, in 2015 was divided into 2 clusters ware only 16 BPRS in good performance and only 12 BPRS in 2016. In 2017 it is consisted 167 BPRS divided into 3 clusters were only 12 BPRS in good performance as the best cluster. It is also obtained only 3 BPRS always maintain their good financial performance for four years.","PeriodicalId":233598,"journal":{"name":"2018 International Conference on Applied Information Technology and Innovation (ICAITI)","volume":"1 1","pages":"0"},"PeriodicalIF":0.0000,"publicationDate":"2018-09-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"8","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"2018 International Conference on Applied Information Technology and Innovation (ICAITI)","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.1109/ICAITI.2018.8686755","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
引用次数: 8
Abstract
Islamic Rural Banks In Indonesia as Rakyat Sharia Financing Bank (Bank Pembiayaan Rakyat Syariah, BPRS) is a sharia bank which runs its business activities with sharia principle which activities do not provide services in payment traffic. Banking must always be evaluated for its healthiness in order to remain excellent in serving its customers. To measure the healthiness of a bank can be see from the level of bank performance. This study aims to classify BPRS which is homogenous based on the level of bank performance. The variables used to measure the Bank's performance are capital (Cap), productive assets (PA), credit (Cred), third-party funds (TPF), income (Inc), capital adequacy ratio (CAR), returns on assets (ROA), returns on equity (ROE), financing to deposit ratio (FDR), non performing financing (NPF), and operational costs of operating income (OCOI) that are part of the CAMELS method. The result shows that the financial performance of BPRS from 2014–2017 tends to be not good enough. Although some of the variables used to measure performance generally are still in good condition except FDR, NPF and OCOI, but BPRS in Indonesia has always decreased its performance. As seen from the financial side of BPRS such as capital, productive assets, third-party funds, and the increasing of credit every year, which indicate that BPRS has a great opportunity to change in a better way. Through cluster analysis with Two Step Cluster method in 2014 with consisting 159 BPRS divided into 3 clusters were only 13 BPRS in good performance as the best cluster. In 2015 and 2016 Islamic Rural Banks consist 161 BPRS and 166 BPRS respectively, in 2015 was divided into 2 clusters ware only 16 BPRS in good performance and only 12 BPRS in 2016. In 2017 it is consisted 167 BPRS divided into 3 clusters were only 12 BPRS in good performance as the best cluster. It is also obtained only 3 BPRS always maintain their good financial performance for four years.
在印度尼西亚,作为Rakyat伊斯兰教法融资银行(Bank Pembiayaan Rakyat Syariah, BPRS)是一家伊斯兰教银行,其经营业务活动遵循伊斯兰教法原则,这些活动不提供支付流量服务。银行必须始终对其健康状况进行评估,以保持为客户提供优质服务。衡量一家银行的健康状况,可以从银行的业绩水平看出来。本研究旨在根据银行绩效水平对同质性的BPRS进行分类。用于衡量银行业绩的变量是资本(Cap)、生产性资产(PA)、信贷(Cred)、第三方资金(TPF)、收入(Inc)、资本充足率(CAR)、资产回报率(ROA)、股本回报率(ROE)、融资与存款比率(FDR)、不良融资(NPF)和营业收入的运营成本(OCOI),这些都是camel方法的一部分。结果表明,2014-2017年BPRS的财务绩效趋于不够好。尽管除了FDR、NPF和OCOI外,一些用于衡量绩效的变量总体上仍处于良好状态,但印度尼西亚的BPRS绩效一直在下降。从BPRS的财务方面来看,如资金、生产性资产、第三方资金以及每年增加的信贷,这表明BPRS有很大的机会向更好的方向转变。采用两步聚类法对2014年159个BPRS进行聚类分析,将其分为3个聚类,只有13个性能较好的BPRS作为最佳聚类。2015年和2016年,伊斯兰村镇银行分别由161家和166家BPRS组成,2015年分为两个集群,只有16家BPRS表现良好,2016年只有12家BPRS。2017年由167个BPRS组成,分为3个集群,只有12个BPRS表现良好,是最好的集群。只有3家BPRS连续4年保持良好的财务业绩。