Yazar "Nugraha, Erik" seçeneğine göre listele

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    Comparative analysis of the effect of loan/financing to deposit ratio, labor costs growth and promotion costs growth to returns on assets in Islamic banks and conventional banks in Indonesia
    (İstanbul Ticaret Üniversitesi, 2021) Nugroho, Lucky; Nugraha, Erik; Badawi, Ahmad; Mihadi Putra, Yananto
    The banking industry is the locomotive of economic growth in a country. Therefore, the performance of the banking industry must be the focus of all stakeholders. This study compares the factors that influence the performance represented by the Return on Asset (ROA) ratio in both the Islamic banking industry and the conventional banking industry. The factors that affect the ROA used in this study are the distribution of financing (FDR/LDR), growth in labor costs, and growth in promotion costs. The method used in this research is quantitative by using a panel data regression test. The data used are primary data from Islamic banks and conventional banks for four years, namely in the 2014-2018 period. Moreover, the research questions are: (i) Are there differences in FDR's effect on ROA between Islamic banks and conventional banks?; (ii) Are there differences in the effect of growth in labor costs on ROA between Islamic and conventional banks?; (iii) Are there differences in the influence of the growth in promotion costs on ROA promotion between Islamic banks and conventional banks? The results of the study show that the distribution of financing (FDR) to Islamic banks and conventional banks positively and significantly affects ROA. The growth of labor costs in Islamic banks and conventional banks has a negative and significant effect on ROA. At the same time, the growth in promotion costs between Islamic banks and conventional banks is different. Promotion cost growth in Islamic banks has a negative and significant effect on ROA growth. However, in conventional banks, the growth in promotion costs has a positive and significant effect on ROA.
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    Does earning management happen in Islamıc bank? (Indonesia and Malaysia comparison)
    (İstanbul Ticaret Üniversitesi, 2018) Vania, Adela Sarah; Nugraha, Erik; Nugroho, Lucky
    The purpose of this study was to determine the differences in earnings management practices in Islamic Commercial Banks in Indonesia and Malaysia. The method used in this research is descriptive and comparative method. The results of this study occur earnings management in Islamic banks in Indonesia and Malaysia, and there are significant differences. The results of the SPSS statistical tool obtained a significance value of 0.02 <0.05, so there are significant differences between the practice of earnings management in Islamic Commercial Banks in Indonesia and Malaysia.
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    Non performing financing factor in syaria commercial banking in Indonesia
    (İstanbul Ticaret Üniversitesi, 2018) Nugraha, Erik; Setiawan, Audita
    This research is based on one of the biggest risk faced by sharia banking that is related to problematic financing that happened due to failure in funding process at Bank Syariah. Sharia Banks must have the ability to manage risks on the distribution of financing so as to prevent the creation of non-performing financing (NPF). This study aims to examine the effect of return on Financing Profit and Loss Sharing (PLS), Bank Size and Inflation to Non Performing Financing (NPF). The method used in this research is analytical descriptive method to explain each research variable and verifikative with quantitative approach to show whether there is influence of free variable to dependent variable. The data to be analyzed in this study using panel data and will be analyzed by using multiple linear regression. The result of the research shows that the return of financing Profit and Loss Sharing has significant effect to Non Performing Financing with negative influence direction, bank size influence to Non Performing Financing with negative influence direction and inflation has no significant effect to Non Performing Financing with positive direction. This study also shows the result that the return of financing Profit and Loss Sharing, bank size and inflation simultaneously (simultaneously) have an influence on Non Performing Financing.
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    Sustainable finance portfolio analysis in Islamic bank (segment perspective)
    (İstanbul Ticaret Üniversitesi, 2020) Nugroho, Lucky; Nugraha, Erik; Badawi, Ahmad
    The purpose of this study is to analyze the distribution of financing at Bank Syariah Mandiri (BSM) based on the segments inc luded in the sustainable finance category in 2019. The method used is quantitative, which is to analyze based on secondary data published in 2019 with research questions: (i) How much is the distribution of retail segment financing to BSM, and how much is included in the sustainable finance category in 2019?; (ii) How big is the distribution of corporate segment financing in BSM, and how much is included in the sustainable finance category in 2019?; (iii) What is the ratio of the distribution of financing included in the category of sustainable financing in the retail segment to the corporate segment in 2019?. The findings of this study are (i) the distribution of financing to the wholesale segment contributed 63% to the sustainable finance; (ii) the distribution of the funding to the retail segment contributed 37% to the sustainable finance; (iii) The portion of BSM financing distribution included in the sustainable finance category in 2019 was 47%.