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THE BASED BANK RATING INFLUENCE TOWARD BPR SYARIAH PROFIT GROWTH IN EAST JAVA
Corresponding Author(s) : Neny Tri Indrianasari
Humanities & Social Sciences Reviews,
Vol. 8 No. 1 (2020): January
Abstract
Purpose of the study: This study aimed to determine the effect of the level of health of the banking consisting of Non-Performing Financing (NPF), Financing to Deposit Ratio (FDR), Return on Asset (ROA), Return on Equity(ROE) and Capital Adequacy Ratio (CAR) to the BPR Syariah Profit Growth in East Java province.
Methodology: This study uses a quantitative approach to analyze the description of the measured ratios
Main Findings: The study concluded that the NPF ratio and ROE no effect on profit growth. Except for FDR, ROA and CAR have a significant effect on earnings growth.
Applications of this study: The populations used in this study were all Sharia Rural Bank (BPRS) East Java Province recorded in the Financial Services Authority (FSA) selected period 2015-2017 with a total population of 26 banks.
Novelty/Originality of this study: BPR Syariah is a banking company that has different characteristics compared to conventional banks. With these different characteristics, Sharia Rural Banks need to be reviewed specifically, where conventional bank reviews are not necessarily in accordance with Sharia Rural Bank conditions.
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- Afriyeni, A., & Fernos, J. (2018). Analisis Faktor-Faktor Penentu Kinerja Profitabilitas Bank Perkreditan Rakyat (BPR) Konvensional Di Sumatera Barat. Jurnal Benefita: Ekonomi Pembangunan, Manajemen Bisnis Dan Akuntansi, 3(3), 325–335. https://doi.org/10.22216/jbe.v3i3.3623 DOI: https://doi.org/10.22216/jbe.v3i3.3623
- Buchory, H. A. (2015). Banking intermediation, operational efficiency and credit risk in banking profitability. International Journal of Business, Economics and Law, 7(2), 57–63. https://doi.org/10.2991/iceb-15.2015.27 DOI: https://doi.org/10.2991/iceb-15.2015.27
- Fathoni, M. I., Sasongko, N., & Setyawan, A. A. (2012). Pengaruh Tingkat Kesehatan Bank terhadap Pertumbuhan Laba pada Perusahaan Sektor Perbankan.
- Fatimah, Y. A., Biswas, W., Mazhar, I., & Islam, M. N. (2013). Sustainable manufacturing for Indonesian small-and-medium-sized enterprises (SMEs): the case of remanufactured alternators. Journal of Remanufacturing, 3(1), 6. https://doi.org/10.1186/2210-4690-3-6 DOI: https://doi.org/10.1186/2210-4690-3-6
- Ferran, E. (2014). The break-up of the Financial Services Authority in the UK. In Institutional Structure of Financial Regulation (pp. 127–154). Routledge.
- Ichsani, S., & Suhardi, A. R. (2015). The effect of return on equity (ROE) and return on investment (ROI) on trading volume. Procedia-Social and Behavioral Sciences, 211, 896–902. https://doi.org/10.1016/j.sbspro.2015.11.118 DOI: https://doi.org/10.1016/j.sbspro.2015.11.118
- Indonesia, B. (1999). Peraturan Bank Indonesia. Nomor: 13/24/DPNP Tanggal 25 Oktober 2011.
- Indonesia, B. (2011). Peraturan Bank Indonesia Nomor 13. PBI/2011Tentang Sistem Penilaian Tingkat Kesehatan Bank Umum.
- Iskandar, S. (2013). Bank dan Lembaga Keuangan Lainnya. Jakarta: In Media.
- Jones, R. (2003). Measuring the benefits of knowledge management at the Financial Services Authority: a case study. Journal of Information Science, 29(6), 475–487. https://doi.org/10.1177/0165551503296005 DOI: https://doi.org/10.1177/0165551503296005
- Kasmir. (2016). Analisis Laporan Keuangan. In Analisis Laporan Keuangan (p. 196). Jakarta: Raja Grafindo Persada.
- Kempson, E., Collard, S., & Moore, N. (2006). Measuring financial capability: An exploratory study for the Financial Services Authority. Consumer Financial Capability: Empowering European Consumers, 39.
- Kusumo, Y. A. (2008). Analisis Kinerja Keuangan Bank Syariah Mandiri Periode 2002–2007 (dengan Pendekatan PBI No. 9/1/PBI/2007). Jurnal Fakultas Hukum UII, 2(1), 109–131. https://doi.org/10.20885/lariba.vol2.iss1.art8 DOI: https://doi.org/10.20885/lariba.vol2.iss1.art8
- Latumaerissa, R. J. (1999). Mengenal Aspek-aspek Operasi Bank Umum. In Jakarta: Bumi Aksara. https://doi.org/10.1002/pauz.200790112 DOI: https://doi.org/10.1002/pauz.200790112
- Mawardi, W. (2004). Analisis Faktor Faktor Yang Mempengaruhi Kinerja Keuangan Bank Umum Di Indonesia (Studi Kasus Pada Bank Umum dengan Total Asset Kurang Dari 1 Trilyun) (Doctoral dissertation, program Pascasarjana Universitas Diponegoro).
- Pudji, S., Yuniarsih, N., Barid, M., & Wajdi, N. (2019). The Influence of Corporate Social Responsibility Disclosure, Managerial Ownership and Firm Size on Firm Value in Indonesia Stock Exchange. International Journal of Innovation, Creativity and Change., 159–171. Retrieved from https://www.ijicc.net/images/vol9iss9/9915_Estiasih_2019_E_R.pdf
- Sawir, E., Marginson, S., Nyland, C., Ramia, G., & Rawlings-Sanaei, F. (2009). The social and economic security of international students: A New Zealand study. Higher Education Policy, 22(4), 461–482. https://doi.org/10.1057/hep.2009.4 DOI: https://doi.org/10.1057/hep.2009.4
- Sri, A. (2013). The Influence of Third-Party Funds, CAR, NPF, and ROA Against The Financing of a General Sharia-Based Bank in Indonesia, The IBEA, International Conference on Business, Economic, and Accounting. Bangkok.
- Susilo, M. (2000). Manajemen Sumber Daya Manusia. Bpfe, Yogyakarta.
- Syafri Harahap, S. (2008). Analisa Kritis atas Laporan Keuangan. Jakarta. PT. Raja Grafindo Persada.
- Taswan, C. (2006). Manajemen Perbankan, Konsep, Teknik dan Aplikasi, Edisi Kedua. Yogyakarta: UPP STIM YKPN.
- Utama, A. S. (2018). Sejarah dan Perkembangan Regulasi Mengenai Perbankan Syariah Dalam Sistem Hukum Nasional Di Indonesia. Jurnal Wawasan Yuridika, 2(2), 187–200. https://doi.org/10.25072/jwy.v2i2.180 DOI: https://doi.org/10.25072/jwy.v2i2.180
- Warsidi, W., Pramuka, B. A., & Suhartinah, S. (2018). Determinant Financial Statement Fraud: Perspective Theory of Fraud Diamond (Study Empiris pada Perusahaan Sektor Perbankan di Indonesia Tahun 2011-2015). Jurnal Ekonomi Bisnis Dan Akuntansi (JEBA), 20(3).
References
Afriyeni, A., & Fernos, J. (2018). Analisis Faktor-Faktor Penentu Kinerja Profitabilitas Bank Perkreditan Rakyat (BPR) Konvensional Di Sumatera Barat. Jurnal Benefita: Ekonomi Pembangunan, Manajemen Bisnis Dan Akuntansi, 3(3), 325–335. https://doi.org/10.22216/jbe.v3i3.3623 DOI: https://doi.org/10.22216/jbe.v3i3.3623
Buchory, H. A. (2015). Banking intermediation, operational efficiency and credit risk in banking profitability. International Journal of Business, Economics and Law, 7(2), 57–63. https://doi.org/10.2991/iceb-15.2015.27 DOI: https://doi.org/10.2991/iceb-15.2015.27
Fathoni, M. I., Sasongko, N., & Setyawan, A. A. (2012). Pengaruh Tingkat Kesehatan Bank terhadap Pertumbuhan Laba pada Perusahaan Sektor Perbankan.
Fatimah, Y. A., Biswas, W., Mazhar, I., & Islam, M. N. (2013). Sustainable manufacturing for Indonesian small-and-medium-sized enterprises (SMEs): the case of remanufactured alternators. Journal of Remanufacturing, 3(1), 6. https://doi.org/10.1186/2210-4690-3-6 DOI: https://doi.org/10.1186/2210-4690-3-6
Ferran, E. (2014). The break-up of the Financial Services Authority in the UK. In Institutional Structure of Financial Regulation (pp. 127–154). Routledge.
Ichsani, S., & Suhardi, A. R. (2015). The effect of return on equity (ROE) and return on investment (ROI) on trading volume. Procedia-Social and Behavioral Sciences, 211, 896–902. https://doi.org/10.1016/j.sbspro.2015.11.118 DOI: https://doi.org/10.1016/j.sbspro.2015.11.118
Indonesia, B. (1999). Peraturan Bank Indonesia. Nomor: 13/24/DPNP Tanggal 25 Oktober 2011.
Indonesia, B. (2011). Peraturan Bank Indonesia Nomor 13. PBI/2011Tentang Sistem Penilaian Tingkat Kesehatan Bank Umum.
Iskandar, S. (2013). Bank dan Lembaga Keuangan Lainnya. Jakarta: In Media.
Jones, R. (2003). Measuring the benefits of knowledge management at the Financial Services Authority: a case study. Journal of Information Science, 29(6), 475–487. https://doi.org/10.1177/0165551503296005 DOI: https://doi.org/10.1177/0165551503296005
Kasmir. (2016). Analisis Laporan Keuangan. In Analisis Laporan Keuangan (p. 196). Jakarta: Raja Grafindo Persada.
Kempson, E., Collard, S., & Moore, N. (2006). Measuring financial capability: An exploratory study for the Financial Services Authority. Consumer Financial Capability: Empowering European Consumers, 39.
Kusumo, Y. A. (2008). Analisis Kinerja Keuangan Bank Syariah Mandiri Periode 2002–2007 (dengan Pendekatan PBI No. 9/1/PBI/2007). Jurnal Fakultas Hukum UII, 2(1), 109–131. https://doi.org/10.20885/lariba.vol2.iss1.art8 DOI: https://doi.org/10.20885/lariba.vol2.iss1.art8
Latumaerissa, R. J. (1999). Mengenal Aspek-aspek Operasi Bank Umum. In Jakarta: Bumi Aksara. https://doi.org/10.1002/pauz.200790112 DOI: https://doi.org/10.1002/pauz.200790112
Mawardi, W. (2004). Analisis Faktor Faktor Yang Mempengaruhi Kinerja Keuangan Bank Umum Di Indonesia (Studi Kasus Pada Bank Umum dengan Total Asset Kurang Dari 1 Trilyun) (Doctoral dissertation, program Pascasarjana Universitas Diponegoro).
Pudji, S., Yuniarsih, N., Barid, M., & Wajdi, N. (2019). The Influence of Corporate Social Responsibility Disclosure, Managerial Ownership and Firm Size on Firm Value in Indonesia Stock Exchange. International Journal of Innovation, Creativity and Change., 159–171. Retrieved from https://www.ijicc.net/images/vol9iss9/9915_Estiasih_2019_E_R.pdf
Sawir, E., Marginson, S., Nyland, C., Ramia, G., & Rawlings-Sanaei, F. (2009). The social and economic security of international students: A New Zealand study. Higher Education Policy, 22(4), 461–482. https://doi.org/10.1057/hep.2009.4 DOI: https://doi.org/10.1057/hep.2009.4
Sri, A. (2013). The Influence of Third-Party Funds, CAR, NPF, and ROA Against The Financing of a General Sharia-Based Bank in Indonesia, The IBEA, International Conference on Business, Economic, and Accounting. Bangkok.
Susilo, M. (2000). Manajemen Sumber Daya Manusia. Bpfe, Yogyakarta.
Syafri Harahap, S. (2008). Analisa Kritis atas Laporan Keuangan. Jakarta. PT. Raja Grafindo Persada.
Taswan, C. (2006). Manajemen Perbankan, Konsep, Teknik dan Aplikasi, Edisi Kedua. Yogyakarta: UPP STIM YKPN.
Utama, A. S. (2018). Sejarah dan Perkembangan Regulasi Mengenai Perbankan Syariah Dalam Sistem Hukum Nasional Di Indonesia. Jurnal Wawasan Yuridika, 2(2), 187–200. https://doi.org/10.25072/jwy.v2i2.180 DOI: https://doi.org/10.25072/jwy.v2i2.180
Warsidi, W., Pramuka, B. A., & Suhartinah, S. (2018). Determinant Financial Statement Fraud: Perspective Theory of Fraud Diamond (Study Empiris pada Perusahaan Sektor Perbankan di Indonesia Tahun 2011-2015). Jurnal Ekonomi Bisnis Dan Akuntansi (JEBA), 20(3).