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Determinant of Financial Performance of Islamic Credit and Financing Union (KSPPS) in Salatiga

Journal of Economic Education · Vol. 7 No. 2 (2018) · hlm. 101–108

DOI
10.15294/jeec.v7i2.26957
ISSN
2301-7341
Terbit
2018-11-27
Penerbit
Universitas Negeri Semarang
Bahasa
eng

Abstrak

The high growth of Islamic Credit and Financing Union (KSPPS) in Indonesia encounters several problems, and one of which is financial performance. This study attempts to uncover the factors influencing financial performance of Islamic Credit and Financing Union (KSPPS) in Salatiga using Pecking Order Theory (POT) inits analysis. POT explains how company’s preference uses fund in doing their operational activity. The expected factors influencingIslamic Credit and Financing Union (KSPPS)’s financial performance are Capital Adequacy Ratio (CAR), Non Performing Finance (NPF), Financing to Deposit Ratio (FDR), Operating Expenses-Operating Income (OEOI), and capital structure. The analysis methodology of this study is multiple panel regression employing software Eviews 9. The result of regression test shows that OEOI affects partially towards Return on Asset (ROA). In contrast, the other factors such as CAR, NPF, and capital structure do not have any significant influence towards ROA. The differencesbetween this study and previous studies are on the city-scopefinancial data of Islamic Credit and Financing Union (KSPPS) and the use of POT implemented to explain financial performance.

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  • State University of Semarang
  • Sebelas Maret University
  • Universitas Media Nusantara Citra
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  • Organisasi berbeda
  • Organisasi sama
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Rekan penulisOrganisasiArtikel bersama
Suwito Eko PramonoAfiliasi tidak diketahui6
Tri Joko RaharjoAfiliasi tidak diketahui5
Tri Joko RaharjoAfiliasi tidak diketahui5
Sucihatiningsih Dian Wisika PrajantiState University of Semarang5
Wijang SakitriAfiliasi tidak diketahui3
Noor HudallahAfiliasi tidak diketahui3
Partono ThomasAfiliasi tidak diketahui3
Nina OktarinaAfiliasi tidak diketahui3
Sugiyo SugiyoAfiliasi tidak diketahui3
Muhammad KhafidAfiliasi tidak diketahui3
Rusdarti RusdartiAfiliasi tidak diketahui3
Kardoyo KardoyoAfiliasi tidak diketahui3
Slamet SumartoAfiliasi tidak diketahui2
Martitah MartitahAfiliasi tidak diketahui2
Ahmad SehabuddinAfiliasi tidak diketahui2
Jarot Tri Bowo SantosoAfiliasi tidak diketahui2
Agus WahyudinAfiliasi tidak diketahui2
Titi PrihatinAfiliasi tidak diketahui2
Joko WidodoAfiliasi tidak diketahui2
Heri YantoAfiliasi tidak diketahui2
Ketut SudarmaAfiliasi tidak diketahui2
Arip WijiantoAfiliasi tidak diketahui2
Fathur RokhmanState University of Semarang2
I Gusti Ayu Agung Aristi PutriUniversitas Media Nusantara Citra1
Ananda Fiky Dibanu KhaerUniversitas Media Nusantara Citra1
Suwarto SuwartoAfiliasi tidak diketahui1
Suryani Latifah MuwahhidAfiliasi tidak diketahui1
Widiyanto WidiyantoSebelas Maret University1
Suwarto SuwartoSebelas Maret University1
Suryani Latifah MuwahhidSebelas Maret University1
Tri Joko RaharjoState University of Semarang1
Harianingsih HarianingsihState University of Semarang1
Didik WiyonoState University of Semarang1
Muhammad Zaini MiftahState University of Semarang1
Angga Pandu WijayaState University of Semarang1
Ristina YudhantiAfiliasi tidak diketahui1
S MartonoAfiliasi tidak diketahui1

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Sumber metadata: OAI-PMH (metadata jurnal) https://journal.unnes.ac.id/sju/index.php/jeec/oai, pertama di-harvest 6 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en-US">Determinant of Financial Performance of Islamic Credit and Financing Union (KSPPS) in Salatiga</dc:title>
	<dc:creator>Ashari, Teguh</dc:creator>
	<dc:creator>Widiyanto, Widiyanto</dc:creator>
	<dc:creator>Yulianto, Arief</dc:creator>
	<dc:description xml:lang="en-US">The high growth of Islamic Credit and Financing Union (KSPPS) in Indonesia encounters several problems, and one of which is financial performance. This study attempts to uncover the factors influencing financial performance of Islamic Credit and Financing Union (KSPPS) in Salatiga using Pecking Order Theory (POT) inits analysis. POT explains how company’s preference uses fund in doing their operational activity. The expected factors influencingIslamic Credit and Financing Union (KSPPS)’s financial performance are Capital Adequacy Ratio (CAR), Non Performing Finance (NPF), Financing to Deposit Ratio (FDR), Operating Expenses-Operating Income (OEOI), and capital structure. The analysis methodology of this study is multiple panel regression employing software Eviews 9. The result of regression test shows that OEOI affects partially towards Return on Asset (ROA). In contrast, the other factors such as CAR, NPF, and capital structure do not have any significant influence towards ROA. The differencesbetween this study and previous studies are on the city-scopefinancial data of Islamic Credit and Financing Union (KSPPS) and the use of POT implemented to explain financial performance.</dc:description>
	<dc:publisher xml:lang="en-US">Universitas Negeri Semarang</dc:publisher>
	<dc:date>2018-11-27</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en-US">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.unnes.ac.id/sju/jeec/article/view/26957</dc:identifier>
	<dc:identifier>10.15294/jeec.v7i2.26957</dc:identifier>
	<dc:source xml:lang="en-US">Journal of Economic Education; Vol 7 No 2 (2018): December 2018; 101-108</dc:source>
	<dc:source>2301-7341</dc:source>
	<dc:source>10.15294/jeec.v7i2</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.unnes.ac.id/sju/jeec/article/view/26957/11979</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2018 Journal of Economic Education</dc:rights>
</oai_dc:dc>