Peningkatan Kinerja Keuangan Melalui Manajemen Kesehatan Pada Bank Syariah Di Indonesia

Irma Setyawati, Sugeng Suroso, Delila Rambe, Yulia Susanti

Sari


ABSTRAK

Tujuan dari penelitian ini untuk menganalisis manajemen kesehatan bank, yang terdiri dari capital adequacy ratio, finance to deposit ratio dan biaya operasional pendapatan operational, yang dapat mempengaruhi kinerja keuangan, dengan proksi return on assets Bank Syariah Mandiri. Penelitian ini juga menganalisis pengaruh faktor eksternal, yang terdiri dari Produk Domestik Bruto dan tingkat inflasi, yang mempengaruhi kinerja keuangan Bank Syariah Mandiri. Hasil penelitian ini ditemukan bahwa capital adequacy ratio, finance to deposit ratio dan biaya operasional pendapatan operasional berpengaruh negatif signifikan terhadap return on assets Bank Syariah Mandiri, Produk Domestik Bruto berpengaruh positif signifikan terhadap return on assets Bank Syariah Mandiri, sedangkan tingkat inflasi berpengaruh negatif signifikan terhadap return on assets Bank Syariah Mandiri.

Kata Kunci : manajemen kesehatan bank, capital adequacy ratio, finance to deposit ratio, biaya operasional pendapatan operasional, Bank Syariah Mandiri

 

 

ABSTRACT

The purpose of this research is to analyze bank sound management, consisting of capital adequacy ratio, finance to deposit ratio and operational cost of operational income, which can influence financial performance, with proxy of return on assets of Bank Syariah Mandiri. This study also analyzed the influence of external factors, which consist of Gross Domestic Product and inflation rate, which affect the financial performance of Bank Syariah Mandiri. The results of this study found that the capital adequacy ratio, finance to deposit ratio and operational cost of operating income have a significant negative effect on the return on assets of Bank Syariah Mandiri, Gross Domestic Product has a significant positive effect on the return on assets of Bank Syariah Mandiri, while the inflation rate significantly negatively Return on assets of Bank Syariah Mandiri.

Keywords: bank sound management, capital adequacy ratio, finance to deposit ratio, operational income operational cost, Bank Syariah Mandiri.


Kata Kunci


manajemen kesehatan bank, capital adequacy ratio, finance to deposit ratio, biaya operasional pendapatan operasional, Bank Syariah Mandiri

Teks Lengkap:

PDF

Referensi


Abdul-Majid, M., Saal, D. S., & Battisti, G. (2010). Efficiency in Islamic and conventional banking: An international comparison. Journal of Productivity Analysis, 34(1), 25–43. https://doi.org/10.1007/s11123-009-0165-3

Aburime, T. U. (2008). Determinants of Bank Profitability: Company-Level Evidence from Nigeria. SSRN Electronic Journal, (1231064), 31. https://doi.org/10.2139/ssrn.1106825

Abusharba, M. T., Triyuwono, I., Ismail, M., & Rahman, A. F. (2013). Determinants of Capital Adequacy Ratio (CAR) in Indonesian Islamic Commercial Banks. Global Review of Accounting and Finance, 4(1), 159–170.

Aggarwal, R. K., & Yousef, T. (2000). Islamic banks and investment financing. Journal of Money Credit and Banking, 32(1), 93–120.

Ahmad, N., & Haron, S. (2002). Perceptions of Malaysian corporate customers towards Islamic banking products and services. International Journal of Islamic Financial Services, 3(4), 13–29. Retrieved from http://staf.uum.edu.my/alib/wb3053/perceptions.pdf

Al-Omar, H., & Al-Mutairi, A. (2008). Bank-Specific Determinants of Profitability: The case of Kuwait. Journal of Economic & Administrative Sciences, 24(2), 20–34.

Al-Tamimi, H. A. H. (2010). Factors Influencing Performance of the UAE Islamic and Conventional National Banks. Global Journal of Business Research, 4(2), 1–10. Retrieved from http://www1.feb.uva.nl/rof/59.pdf%5Cnhttp://papers.ssrn.com/abstract=1106825

Alper, D., & Anbar, A. (2011). Bank Specific and Macroeconomic Determinants of Commercial Bank Profitability: Empirical Evidence from Turkey. Business & Economics Research Journal, 2(2), 139–152.

Ascarya, & Yumanita, D. (2005). Mencari solusi rendahnya pembiayaan bagi hasil di perbankan syariah indonesia. Buletin Ekonomi Moneter Dan Perbankan, juni, 7–43.

Athanasoglou, P., Brissimis, S., & Delis, M. (2005). Bank-specifc, industry-specific and macroeconomic determinants of bank profitability (MPRA Paper No. 32025). Banking (Vol. 25). Retrieved from http://www.bankofgreece.gr/BogEkdoseis/Paper200525.pdf

Bank Indonesia. (2013a). Laporan Perkembangan Perbankan.

Bank Indonesia. (2013b). Peraturan Bank Indonesia Nomor 15/12/PBI/2013 tentang kewajiban Penyediaan Modal Minimum Bank Umum. Bank Indonesia, 1–80. https://doi.org/10.1017/CBO9781107415324.004

Bashir, A. M. (2011). Assessing the Performance of Islamic Banks : Some Evidence from the Middle East. ECommons, 9(1), 1–11. Retrieved from http://ecommons.luc.edu/cgi/viewcontent.cgi?article=1029&context=meea

Bourke, P. (1989). Concentration and other determinants of bank profitability in Europe, North America and Australia. Journal of Banking and Finance, 13(1), 65–79. https://doi.org/10.1016/0378-4266(89)90020-4

Chen, M., Cheng, S., & Hwang, Y. (2005). An empirical investigation of the relationship between intellectual capital a ... Journal of Intellectual Capital, 6(2), 159–176.

Flamini, V., Mcdonald, C., & Schumacher, L. (2009). The

Determinants of Commercial Bank Profitability in Sub-Saharan Africa.

Gujarati, D. N., & Porter, D. C. (2010). Essentials of Econometrics.

Hanif, M. (2011). Differences and Similarities in Islamic and Conventional Banking. International Journal of Business and Social Science, 2(2), 166–175. https://doi.org/10.4337/9781783476138.00010

Hassan, M. K., & Bashir, A. H. (2003). Determinants of Islamic Banking Profitability. 10th ERF Annual Conference, Morocco (Vol. 7). https://doi.org/102003034

Hidayat, S. E., & Abduh, M. (2012). Does Financial Crisis Give

Impacts on Bahrain Islamic Banking Performance? A Panel Regression Analysis. International Journal of Economics & Finance, 4(7), 79–89. https://doi.org/10.5539/ijef

Jalil, A., & Rahman, M. K. (2010). Financial Transactions in Islamic Banking are Viable Alternatives to the Conventional Banking Transactions. International Journal of Business and Social Science, 1(3), 220–234.

Kahf, M., & Khan, T. (2009). Principles of Islamic Finance. In Islamic Research and Trainning Institute (p. 1083).

Kosmidou, K. (2008). The Determinants of Banks’ Profits in Greece During the Period of EU Financial Integration. Managerial Finance, Emerald, 34(3), 146–159. https://doi.org/10.1108/03074350810848036

Masyita, D., & Ahmed, H. (2011). Why is Growth of Islamic Microfinance Lower than Conventional ? A Comparative Study of the Preferences and Perceptions of the Clients of Islamic and Conventional Microfinance Institutions ’ in Indonesia. 8th International Conference on Islamic Economics and Finance, 1–22.

Mirzaei, A., Liu, G., & Tomoe Moore. (2011). Does Market Structure Matter on Banks ’ Profitability and Stability ? Emerging versus Advanced Economies Does Market Structure Matter on Bank s ’ Profitability and.

Mishkin, F. S. (1992). Anatomy of a Financial Crisis. Journal of Evollutionary Economics, 2, 115–130.

Noor, M. A. N. M., & Ahmad, N. H. B. (2012). The Determinants of World Islamic Banks ’ Efficiency : Does Country Income Level have an Impact ? Journal of Islamic Economics, Banking and Finance, 8(2), 9–44.

Oldfield, G. S., & Santomero, A. M. (2014). The Place of Risk Management in Financial Institutions.

Olweny, T. (2011). Effects of Banking Sectoral Factors on the Profitability of Commercial Banks in Kenya. Economics and Finance Review, 1(5), 1–30. Retrieved from http://wwww.businessjournalz.org/efr

Ongore, V. O., & Kusa, G. B. (2013). Determinants of Financial Performance of Commercial Banks in Kenya. International Journal of Economics and Financial Issues, 3(1), 237–252.

Otoritas Jasa Keuangan. (2014). Laporan Tahunan Perbankan.

Otoritas Jasa Keuangan. (2016). Statistik Perbankan Indonesia.

Ozili, P. K. (2017). Bank Loan Loss Provisions Research: A Review. Banking. United Kingdom.

Ramlall, I. (2009). Bank-specific, industry-specific and macroeconomic determinants of profitability in Taiwanese banking system: Under panel data estimation. International Research Journal of Finance and Economics, 34(34), 160–167. Retrieved from http://www.scopus.com/inward/record.url?eid=2-s2.0-72249099324&partnerID=tZOtx3y1

Sachs, J.D & Warner, A. . (2001). Natural resources and economic development: The curse of natural resources. European Economic Review. https://doi.org/10.1017/S0008423911000114

Safiullah, M. (2010). Superiority of Conventional Banks & Islamic Banks of Bangladesh: A Comparative Study. International Journal of Economics and Finance, 2(3), 199–208.

Sastrosuwito, S. (2010). The Indonesian Financial Crisis of 1997 / 98 : Unsound banking Sector Problem. Research Journal of Internatıonal Studıes -, 16(16), 104–118.

Seibel, H. D. (2008). The World beyond the Nation in Southeast Asian Museums. Journal of Social Issues in Southeast Asia, 27(1), 54–83. https://doi.org/10.1355/s

Setia, A. (2011). Muʿāmala and The Revival of The Islamic Gift Economy. Islam & Science, 9(1), 67–88.

Setyawati, I. (2016). Determinants of Growth and Profitability by Bank Specific Variable and Market Structure in Islamic Banking in Indonesia. Academy of Strategic Management Journal, 15(3), 1–14.

Setyawati, I., Kartini, D., Rachman, S., & Febrian, E. (2015). Assessing the Islamic Banking Financial Performance in Indonesia. International Journal of Education and Research, 3(10), 233–248. Retrieved from http://www.ijern.com/journal/2015/October-2015/19.pdf

Setyawati, I., Suroso, S., Suryanto, T., & Siti, D. (2017). Does Financial Performance of Islamic Banking is better ? Panel Data Estimation. European Studies Research Journal, XX(2), 592–606.

Shen, C., Chen, Y.-K., Kao, L.-F., & Yeh, C.-Y. (2009). Bank Liquidity Risk and Performance. Retrieved from http://www.finance.nsysu.edu.tw/SFM/17thSFM/program/FullPaper/083-231345511.pdf

Sufian, F., & Abdul Majid, M. Z. (2008). The Nexus between Economic Freedom and Islamic Bank Performance : Empirical Evidence from the MENA Banking Sectors 1. 8th. International Conference of Islamic Economics and Finance, 1–18. https://doi.org/10.1177/2347798914565874

Sufian, F., & Habibullah, M. S. (2010). Assessing the Impact of Financial Crisis on Bank Performance Empirical Evidence from Indonesia. ASEAN Economic Bulletin Vot, 27(3), 245–62. https://doi.org/10.1355/ae27-3a

Tregenna, F. (2009). The fat years: The structure and profitability of the US banking sector in the pre-crisis period. Cambridge Journal of Economics, 33(4 SPEC. ISS.), 609–632. https://doi.org/10.1093/cje/bep025

Uzhegova, O. (2015). The Relative Importance of Internal Factors for Bank Performance in Developed and Emerging Economies. Mediterranean Journal of Social Sciences, 6(3), 277–288. https://doi.org/10.5901/mjss.2015.v6n3p277

Vong, A. P. I., & Chan, H. S. (2009). Determinants of Bank Profitability in Macao. Macau Monetary Research Bulletin, 93–113. Retrieved from https://www.researchgate.net/profile/Anna_Vong2/publication/252081427_Determinants_of_Bank_Profitability_in_Macao/links/53cf51ba0cf2fd75bc59b6e8.pdf

Wasiuzzaman, S., & Tarmizi, A. (2009). Profitability of Islamic Banks in Malaysia : An Empirical Analysis. Journal of Islamic Economics, Banking and Finance, 6(December 2010), 54–68.




DOI: https://doi.org/10.31311/jeco.v1i2.1926

##submission.license.cc.by4.footer##

ISSN: 2549-8932

DIPUBLIKASIKAN OLEH LPPM UNIVERSITAS BINA SARANA INFORMATIKA

JL. DEWI SARTIKA NO. 289, CAWANG, JAKARTA TIMUR TELP : 021-8010836, EXT. 202
Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License