Articles

The Effect of Capital Adequacy, Non-Performing Financing, Efficiency, And Liquidity on Financial Performance in Sharia Commercial Banks in Indonesia

/in /by

This study aims to examine the effect of capital adequacy, non-performing financing, efficiency, and liquidity on the level of financial performance at Islamic Commercial Banks in Indonesia. This study is a population study with the number of companies studied as many as 13 Islamic Commercial Banks in Indonesia during the 2014-2019 observation period so that 75 observations are obtained. This study uses multiple linear analyses of panel data to analyze the data to be studied. This study empirically finds that CAR, NPF, BOPO, and FDR have a negative influence on the financial performance of Islamic banks.

Financing of the Agricultural Business by Sharia Bank to Increase the Exchange Rate of Farmers in West Java Province

/in /by

This study aims to analyze the relationship between Islamic bank financing in agricultural businesses and farmer exchange rates in West Java Province between 2017 and 2021. The dependent variable of this study is farmer exchange rates, while the independent variable is total amount financing. , non-emerging financing (NPF), and the BI rate. This study uses a quantitative approach using secondary data from Islamic banks and other reliable sources. The data used covers five years, i.e., 2017-2021. The analytical method used is statistical regression which measures the effect of independent variables on farmers’ exchange rates. The research results should lead to a better understanding of the impact of Islamic bank financing on agricultural businesses on farmers’ exchange rates in West Java province during the study period. In addition, this study aimed to determine the effect of the funding level, non-current finance (NPF), and BI rate variables on farmers’ rates. The results of this study are expected to help Islamic banks and local governments formulate more effective policies to increase farming financing and farmer exchange rates in West Java Province. In addition, this research can also contribute to the development of literature on agribusiness financing and the role of Islamic banks in the agricultural sector.