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Hasil Pencarian

Ditemukan 137001 dokumen yang sesuai dengan query
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Fitri Amalia
"Positive correlation between concentration and profitability is not always a result of collusion. Market concentration can be a proxy efficiency and product differentiation that have done by company. The company that can be mentioned efficient and have done product diferentiation can improve market share, and industry that consist of the company has tendency to be concentrated.
This research tries to prove whether market share and concentration in Islamic and conventional banking industry as proxy to efficiency. If it is proven, so there is no relationship between market share and concentration with profitability. It is appropriate with efficient structure hypothesis.
Using separated pooled data for Islamic and conventional banking industry at period January 2002 until November 2005. This research use adjusted Smirlock mode! with fired eject method. By this research, it is expected that Islamic banking industry support efficient structure hypothesis, and conventional banking industry support diferentiation hypothesis.
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2007
JEPI-7-2-Jan2007-31
Artikel Jurnal  Universitas Indonesia Library
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Fitri Amalia
"Positive correlation between concentration and profitability is not always a result of collusion. Market concentration can be a proxyfor efficiency and product differentiation that have done by company. The company that can be mentioned efficient and have done product differentiation can improve market share, and industry that consist of the company has tendency to be concentrated.
This research tries to prove whether market share and concentration in Islamic and conventional banking industry as proxy to efficient. If it is proven, so there is no relationship between market share and concentration with profitability. it is appropriate with efficient structure hypothesis.
Using pool data for Islamic and conventional banking industiy at period January 2002 until November 2005. Model that had been used in this research is adjusted Smirlock model with fixed effect method From this research, is hoped that Islamic banking industry can support efficient structure hypothesis, moreover conventional banking industry can support differentiation hypothesis."
2007
AJ-Pdf
Artikel Jurnal  Universitas Indonesia Library
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Nia Dwi Astuti
Depok: Fakultas Ilmu Sosial dan Ilmu Politik Universitas Indonesia, 2010
S5335
UI - Skripsi Open  Universitas Indonesia Library
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Muhammad Iqbal
"Penelitian ini bertujuan menganalisis terjadinya perbedaan faktor-faktor yang mempengaruhi pembiayaan bermasalah pada perbankan syariah dan perbankan konvensional. Variabel-variabel yang dianalisis dalam penelitian ini meliputi faktor makroekonomi dan karakteristik keuangan bank pada masing-masing kelompok perbankan. Variabel makroekonomi yang dianalisis adalah growth GDP riil dan tingkat suku bunga riil, sedangkan variabel karakteristik keuangan bank adalah growth financing rate, pertumbuhan dana pihak ketiga (DPK) dan market share kelompok perbankan. Dengan menggunakan model Autoregressive dan Distributed Lag pada analisis regresi, diharapkan faktor-faktor makroekonomi dan karakteristik keuangan perbankan dapat diketahui pengaruhnya terhadap pembiayaan bermasalah pada periode waktu yang akan datang."
Jakarta: Program Pascasarjana Universitas Indonesia, 2008
T-Pdf
UI - Tesis Open  Universitas Indonesia Library
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Fitri Kurniawati
"Guncangan ekonomi (economic shocks) akan memberikan tekanan pada kondisi ekonomi makro yang pada akhirnya akan berdampak pada sektor keuangan, dan secara signifikan memengaruhi profitabilitas Perbankan. Dalam satu dekade terakhir, guncangan ekonomi yang sangat memengaruhi kinerja Perbankan adalah Pandemi Covid-19. Penelitian ini bertujuan untuk menganalisis perbandingan profitabilitas Bank Syariah dan Bank Konvensional selama menghadapi guncangan ekonomi dampak Pandemi Covid-19 dan perbandingan pemulihan kinerja Bank Syariah dan Bank Konvensional pasca dampak guncangan Pandemi Covid-19 menurun. Desain penelitian adalah kuantitatif dan kualitatif deskriptif, dengan pengujian data menggunakan analisis regresi data panel. Penelitian menggunakan data keuangan triwulanan 13 Bank Umum Syariah dan 85 Bank Umum Konvensional di Indonesia dengan periode pengamatan yang dibagi menjadi 2 yaitu periode selama terjadinya guncangan ekonomi (periode Pandemi Covid-19) yaitu Q1-2020 sampai dengan Q4-2021 dan periode setelah guncangan ekonomi menurun (periode recovery) yaitu Q1-2022 sampai dengan Q4-2023. Profitabilitas Bank diukur menggunakan ROA sebagai variabel dependen, dengan variabel independen yang mempengaruhi ROA adalah BOPO, NPL/NPF, LAR/FAR, LDR/FDR, AL/DPK dan CAR. Hasil penelitian menunjukkan bahwa Bank Syariah memiliki profitabilitas yang lebih tinggi dibanding Bank Konvensional baik selama periode Pandemi Covid-19 maupun periode recovery, namun pada periode recovery Bank Konvensional menunjukkan pemulihan yang lebih cepat dari dampak Pandemi Covid-19.

Economic shocks will put pressure on macroeconomic conditions which in turn will impact the financial sector, and significantly affect banking profitability. In the last decade, the economic shock that greatly affected banking performance was the Covid-19 pandemic. This study aims to analyze the comparison of the profitability of Islamic Banks and Conventional Banks during the economic shocks caused by the Covid-19 Pandemic and the comparison of the performance recovery of Islamic Banks and Conventional Banks after the impact of the Covid-19 Pandemic shock decreased. The research design is quantitative and qualitative descriptive, with data testing using panel data regression analysis. The research was conducted using quarterly financial data from 13 Islamic Commercial Banks and 85 Conventional Commercial Banks in Indonesia with an observation period divided into 2, namely the period during the economic shock (Covid-19 Pandemic period), namely Q1-2020 to Q4-2021 and the period after the economic shock decreased (recovery period), namely Q1-2022 to Q4-2023. Bank profitability is measured using ROA as the dependent variable, with the independent variables that affect ROA being BOPO, NPL/NPF, LAR/FAR, LDR/FDR, AL/DPK and CAR. The results showed that Islamic Banks had higher profitability than Conventional Banks both during the Covid-19 Pandemic period and the recovery period, but in the recovery period Conventional Banks showed a faster recovery from the impact of the Covid-19 Pandemic."
Jakarta: Sekolah Kajian Stratejik dan Global Universitas Indonesia, 2024
T-pdf
UI - Tesis Membership  Universitas Indonesia Library
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Rivky Rasjid
"Penelitian ini bertujuan untuk meneliti tingkat kompetisi di industri perbankan Indonesia dan melihat hubungannya ke tingkat profitabilitas perbankan syariah dan perbankan konvensional di Indonesia. Dalam penelitian ini ditemukan bahwa tingkat konsentrasi di industri perbankan di Indonesia cukup tinggi jika dilihat dengan menggunakan concentration ratio namun dengan menggunakan HHI dapat dilihat bahwa tingkat kompetisinya masih cenderung rendah. Tingkat profitabilitas pada perbankan konvensional secara rata rata lebih tinggi dibandingkan perbankan syariah jika dihitung menggunakan ROA namun tingkat profitabilitas perbankan syariah akan lebih tinggi jika dibandingkan perbankan konvensional dengan menggunakan NIM sebagai proksi sebagai tingkat profitabilitas. Jika menggunakan ROA sebagai variabel dependen tingkat kompetisi memiliki hubungan negatif dan tingkat konsentrasi akan memiliki hubungan positif kepada tingkat profitabilitas selain itu ukuran dan BOPO perusahaan juga memiliki hubungan negatif terhadap tingkaty profitabilitas. Tingkat profitabilitas perbankan syariah juga lebih rendah dibandingkan perbankan konvensional dengan menggunakan ROA sebagai proksi profitabilitas. Dengan menggunakan NIM sebagai proksi dari tingkat profitabilitas terjadi perbedaan reaksi pada HHI yang bisa juga melihat tingkat konsentrasi dan PRH yang melihat tingkat kompetisi , tingkat konsentrasi memiliki hubungan positif dengan NIM dan tingkat kompetisi juga memiliki hubungan positif dengan NIM sementara ukuran, market share dan BOPO memiliki pengaruh negatif terhadap NIM.

The study aims to examine the degree of competition in the banking industry in Indonesia and see the relationship with the level of profitability of Islamic banking and conventional banking in Indonesia. In this study it was found that the level of concentration in the banking industry in Indonesia is quite high when assesed using the concentration ratio but by using the HHI, it can be seen that the level of competition is still likely to be low. The level of profitability in conventional banking is higher than the average of the Islamic banking if calculated using ROA but Islamic banking profitability will be higher when compared to conventional banking by using NIM as a proxy for the level of profitability. By using ROA as the dependent variable, level of competition has a negative relationship and the level of concentration will be positively related to the level of profitability. The firm size and BOPO also negatively related to profitability level. Islamic banking profitability levels are also lower than conventional banking by using ROA as a proxy for profitability. By using NIM as a proxy of the level of profitability there is some difference. The HHI which assesed the concentration levels and PRH which see the level of competition, the level of concentration has a positive relationship with NIM and the level of competition also has a positive relationship with NIM as size, meanwhile market share and BOPO and Size of the bank have negative effect on NIM."
Depok: Fakultas Ekonomi dan Bisnis Universitas Indonesia, 2012
S52990
UI - Skripsi Open  Universitas Indonesia Library
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Marcella
Depok: Fakultas Ilmu Sosial dan Ilmu Politik Universitas Indonesia, 2009
S-Pdf
UI - Skripsi Open  Universitas Indonesia Library
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Yunis Rahmawulan
"Terdapat perbedaan mencolok namun denga pola yang sama, antara tingkat NPL bank konvensional dan NPF bank syariah di Indonesia, khususnya pada kurun waktu 2001 sampai dengan awal 2007. Oleh karena itu, untuk membandingkan faktor penyebab NPL dan NPF, maka diambil variabel umum perbankan, antara lain : Pertumbuhan Gross Domestic Product (GDP), inflasi, Sertifikat Bank Indonesia (SBI)/ Sertifikat Wadiah Bank Indonesia (SWBI), pertumbuhan kredit/ pembiayaan, serta Loan to Deposit Ratio (LDR)/ Financing Deposit Ratio (FDR). Penelitian ini menggunakan analisis Impulse Response Function dan analisis regresi majemuk dengan mempertimbangkan faktor lag, sehingga diperoleh variabe variabel yang signifikan mempengaruhi pergerakan NPL maupun NPF perbankan Indonesia.
Hasil penelitian menunjukkan bahwa NPL lebih cepat memberikan respon terhadap shock pertumbuhan GDP dibandingkan NPF, serta faktor-faktor yang mempengaruhi NPL adalah pertumbuhan GDP pada 4 quarter sebelumnya, inflasi, LDR dan perubahan SBI. Sedangkan pada bank syariah, faktor yang mempengaruhi NPF adalah pertumbuhan GDP 4 quarter sebelum dan inflasi pada 3 quarter sebelumnya.

There are some great differences -with the same pattern- between Non Performing Loan (NPL) level of conventional bank and Non Performing Financing (NPF) level of sharia bank in Indonesia, especially during year 2001 until early 2007. For that reason, to compare the factors causing NPL and NPF, ones need to take into account general economic variables such as: growth of GDP, inflation rate, Certificate of Bank Indonesia (SBI)/ Wadiah Certificate of Bank Indonesia (SWBI), credit growth and Loan to Deposit Ratio (LDR)/ Financing Deposit Ratio (FDR). Impulse Response Function and multiple regression analysis are used in this research by considering the lag factor to obtain significant variables affecting the NPL and NPF movements/variations of Indonesia banking industry.
The research showed that NPL responded quickly to shock growth of the GDP compared to that of the NPF. Key factors that affect the NPL are previous four-quarter GDP Growth, inflation rate, LDR and rate changes in the SBI. On the other hand, key factors that affect the NPF in Sharia Banks are the previous four quarter GDP Growth and the previous three quarter inflation rate variations."
Depok: Program Pascasarjana Universitas Indonesia, 2008
T24558
UI - Tesis Open  Universitas Indonesia Library
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Noor Cholis
"Tujuan dari penelitian ini adalah untuk mengetahui pengaruh Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Biaya Operasional Pendapatan Operasional (BOPO) secara individual maupun secara bersama- bersama terhadap profitabilitas (Ratio of Return on Asset (ROA)) pada bank syariah.
Penelitian ini menggunakan metode analisa Uji Kausalitas Granger dan Model Vektor Otoregresif dengan bantuan program Eviews 7. Selanjutnya, dilakukan pengujian ekonometrik dan pengujian statistik untuk mengetahui ada atau tidaknya pengaruh antara variabel bebas (independent) yaitu Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Biaya Operasional Pendapatan Operasional (BOPO) terhadap variabel terikat (dependent) yaitu profitabilitas (ROA) Bank Syariah. Sampel data yang digunakan dalam penelitian, yaitu data rasio keuangan Bank Syariah pada periode Januari 2009 sampai dengan bulan Maret 2015 yang bersumber dari laporan publikasi Bank Indonesia (BI) dan Otoritas Jasa Keuangan (OJK), yaitu Statistik Perbankan Syariah.
Dari penelitian ini ditemukan bahwa variabel ROA (pada dua bulan sebelumnya) berpengaruh signifikan terhadap variabel ROA pada bulan t dengan hubungan yang terbalik. Variabel FDR, NPF dan BOPO (pada satu dan dua bulan yang lalu) baik secara sendiri-sendiri maupun bersama-sama tidak berpengaruh signifikan terhadap ROA pada bulan t.

The purpose of this study is to know the influence of financing to deposit ratio (FDR), non performing financing (NPF), ratio of operational expenses to operational revenue (BOPO) in individually or together on profitability (ROA) in Islamic banks.
This study use Granger causality test analysis method and vector autoregresif model with the help of Eviews 7 program. Furthermore, testing econometric and statistical tests to determine whether or not the influence of the independent variables, namely financing to deposit ratio (FDR), non performing financing (NPF), ratio of operational expenses to operational revenue (BOPO) to the dependent variable is the profitability (ROA) of Islamic banks. The sample data used in the study, i.e. data financial ratios Islamic bank in the period January 2009 to March 2015 derived from published reports of Bank Indonesia (BI) and Otoritas Jasa Keuangan (OJK), namely Islamic Banking Statistics.
From this study it was found that the ROA variable (in the previous two months) significant effect on the ROA variable in particular with the inverse liaison. The variable of FDR, NPF and BOPO (at one and two months ago) in individually or together were no significant effect on the ROA variable in a given month.
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Jakarta: Program Pascasarjana Universitas Indonesia, 2015
T-Pdf
UI - Tesis Membership  Universitas Indonesia Library
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Jiddiyah Amali
"Penelitian bertujuan untuk mengetahui pengaruh perkembangan pasar sukuk terhadap profitabilitas perbankan baik secara keseluruhan, maupun bank kovensional dan syariah secara terpisah. Penelitian ini juga pengidentifikasi pengaruh perkembangan sukuk pada perbankan di negara dengan mayoritas penduduk muslim dan non-muslim serta pengaruh perkembangan sukuk internasional terhadap perbankan. Sampel penelitian berupa 406 bank dari 15 negara, diantaranya Bahrain, Indonesia, Inggris, Jerman, Jordan, Kuwait, Malaysia, Oman, Pakistan, Qatar, Saudi Arabia, Senegal, Sudan, Turki, dan Uni Emirat Arab dalam periode 2014-2017. Dalam penelitian ditemukan pengaruh signifikan dari perkembangan pasar sukuk terhadap penurunan profitabilitas bank secara keseluruhan, dan bank Syariah. Sementara, tidak terdapat pengaruh signifikan terhadap profitabilitas bank konvensional. Perkembangan sukuk juga ditemukan hanya signifikan berpengaruh pada perbankan di negara dengan mayoritas penduduk muslim. Terakhir, penelitian ini juga menemukan, bahwa perkembangan pasar sukuk dan perbankan dapat memiliki hubungan co-evolution dengan pengujian pengaruh sukuk internasional.

This research investigates the impact of sukuk market development on the profitability of banks overall and how it explicitly affects conventional and Islamic banks. This research also identifies the differences in the impact of sukuk development on banks in countries with Muslim or non-Muslim majority populations. The research sample consisted of data for 2014-2017 concerning 406 banks from 15 countries, including Bahrain, Indonesia, Britain, Germany, Jordan, Kuwait, Malaysia, Oman, Pakistan, Qatar, Saudi Arabia, Senegal, Sudan, Turkey, and the United Arab Emirates. This research found that sukuk market development leads to significant decreases in the overall profitability of non-Islamic and Islamic banks in Muslim majority countries. However, this research did not find any significant result of the impact of sukuk market development on the profitability of conventional banks in non- Muslim majority countries. Therefore, the impact of the development of sukuk only significantly impacts the banking industry in countries with a majority Muslim population. Finally, this study also found that the development of the sukuk market and banking can have a co-evolution relationship with testing the influence of international sukuk."
Depok: Fakultas Ekonomi dan Bisnis Universitas Indonesia, 2020
S-pdf
UI - Skripsi Membership  Universitas Indonesia Library
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