{"title":"分析了第三方基金(tpf)、不良融资(npf)、融资存款比(fdr)和利润率对伊斯兰商业银行murabahah融资的影响","authors":"Putri Saula Hasnadina, A. S. Mulazid","doi":"10.15548/al-masraf.v4i1.227","DOIUrl":null,"url":null,"abstract":"The purpose of this study is to analyze the effect of each variable, Deposits of Third Party Fund (TPF) (X1), Non-Performing Financing (NPF) (X2), Financing to Deposit Ratio (FDR) (X3) and Profit Margin (X4) on Murabahah Financing (Y1). The population of this study was conducted on eleven Sharia Commercial Banks in Indonesia, namely Bank Muamalat, Bank Victoria Syariah, Bank BRI Syariah, Bank BNI Syariah, Bank Syariah Mandiri, Bank Syariah Mega Indonesia, Bank Panin Syariah, Bank Syariah Bukopin, Bank BCA Syariah and Bank Maybank Syariah Indonesia. The sample taken was the annual financial report for five periods, namely 2011-2015 periods. The analysis technique used panel data regression analysis was tested by F-test and T-test, with a significant value of 5%. Based on the results of the T-test and F-test, it can be known that TPF, FDR and Profit Margin simultaneously have a significant positive effect and the NPF partially have no effect of murabahah financing on Sharia Commercial Banks. Adjusted R Square value of 0.275352 indicates that the independent variable could give effect the dependent variable of 0.000429%.","PeriodicalId":228122,"journal":{"name":"Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan","volume":"27 1","pages":"0"},"PeriodicalIF":0.0000,"publicationDate":"2019-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"title\":\"ANALYZE THE EFFECT OF THIRD PARTY FUND (TPF), NON-PERFORMING FINANCING (NPF), FINANCING TO DEPOSIT RATIO (FDR) AND PROFIT MARGIN ON MURABAHAH FINANCING OF SHARIA COMMERCIAL BANK\",\"authors\":\"Putri Saula Hasnadina, A. S. Mulazid\",\"doi\":\"10.15548/al-masraf.v4i1.227\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"The purpose of this study is to analyze the effect of each variable, Deposits of Third Party Fund (TPF) (X1), Non-Performing Financing (NPF) (X2), Financing to Deposit Ratio (FDR) (X3) and Profit Margin (X4) on Murabahah Financing (Y1). The population of this study was conducted on eleven Sharia Commercial Banks in Indonesia, namely Bank Muamalat, Bank Victoria Syariah, Bank BRI Syariah, Bank BNI Syariah, Bank Syariah Mandiri, Bank Syariah Mega Indonesia, Bank Panin Syariah, Bank Syariah Bukopin, Bank BCA Syariah and Bank Maybank Syariah Indonesia. The sample taken was the annual financial report for five periods, namely 2011-2015 periods. The analysis technique used panel data regression analysis was tested by F-test and T-test, with a significant value of 5%. Based on the results of the T-test and F-test, it can be known that TPF, FDR and Profit Margin simultaneously have a significant positive effect and the NPF partially have no effect of murabahah financing on Sharia Commercial Banks. Adjusted R Square value of 0.275352 indicates that the independent variable could give effect the dependent variable of 0.000429%.\",\"PeriodicalId\":228122,\"journal\":{\"name\":\"Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan\",\"volume\":\"27 1\",\"pages\":\"0\"},\"PeriodicalIF\":0.0000,\"publicationDate\":\"2019-06-30\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"0\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.15548/al-masraf.v4i1.227\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"\",\"JCRName\":\"\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.15548/al-masraf.v4i1.227","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
引用次数: 0
摘要
本研究的目的是分析第三方基金存款(Deposit of Third Party Fund, TPF) (X1)、不良融资(NPF) (X2)、融资存比(Financing to Deposit Ratio, FDR) (X3)和利润率(Profit Margin, X4)对Murabahah Financing (Y1)的影响。本研究的人口是在印度尼西亚的11家伊斯兰教商业银行进行的，即Muamalat银行、维多利亚伊斯兰银行、BRI伊斯兰银行、BNI伊斯兰银行、Mandiri伊斯兰银行、印度尼西亚超级伊斯兰银行、Panin伊斯兰银行、Bukopin伊斯兰银行、BCA伊斯兰银行和印度尼西亚马来亚伊斯兰银行。选取的样本为2011-2015年五个期间的年度财务报告。分析方法采用面板数据回归分析，采用f检验和t检验，显著值为5%。根据t检验和f检验的结果可知，TPF、FDR和Profit Margin同时对伊斯兰商业银行的murabahah融资具有显著的正向影响，NPF部分没有影响。调整后的R方值为0.275352，表明自变量可以对因变量0.000429%产生影响。
ANALYZE THE EFFECT OF THIRD PARTY FUND (TPF), NON-PERFORMING FINANCING (NPF), FINANCING TO DEPOSIT RATIO (FDR) AND PROFIT MARGIN ON MURABAHAH FINANCING OF SHARIA COMMERCIAL BANK
The purpose of this study is to analyze the effect of each variable, Deposits of Third Party Fund (TPF) (X1), Non-Performing Financing (NPF) (X2), Financing to Deposit Ratio (FDR) (X3) and Profit Margin (X4) on Murabahah Financing (Y1). The population of this study was conducted on eleven Sharia Commercial Banks in Indonesia, namely Bank Muamalat, Bank Victoria Syariah, Bank BRI Syariah, Bank BNI Syariah, Bank Syariah Mandiri, Bank Syariah Mega Indonesia, Bank Panin Syariah, Bank Syariah Bukopin, Bank BCA Syariah and Bank Maybank Syariah Indonesia. The sample taken was the annual financial report for five periods, namely 2011-2015 periods. The analysis technique used panel data regression analysis was tested by F-test and T-test, with a significant value of 5%. Based on the results of the T-test and F-test, it can be known that TPF, FDR and Profit Margin simultaneously have a significant positive effect and the NPF partially have no effect of murabahah financing on Sharia Commercial Banks. Adjusted R Square value of 0.275352 indicates that the independent variable could give effect the dependent variable of 0.000429%.
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