Factors Affecting Profitability in Sharia Business Unit Banks in Indonesia for the 2018-2022 Period
(1) IAIN Langsa
(2) IAIN Langsa
Corresponding Author
Abstract
This study aims to look at the effect analysis of Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), and Operating Expenses Operating Income (BOPO) on the profitability of Return On Assets (ROA) of Islamic Business Unit Banks in Indonesia. In this study using a quantitative approach to secondary data in the form of time series data period 2018-2022. The population of this study is a Sharia Business Unit Bank registered with the Financial Services Authority. The data analysis technique used is multiple linear regression, namely testing the effect of the independent variable (X) on the dependent variable (Y). The results of this study indicate that Non Performing Financing (NPF) has no positive effect on ROA profitability with a value of 0.1739>0.05. The Financing to Deposit Ratio (FDR) has a positive effect on ROA profitability with a value of 0.0000<0.05. And Operating Expenses Operating Income (BOPO) has a positive effect on ROA profitability with a value of 0.0000<0.05. The NPF variable partially has no effect on ROA, while the FDR variable and BOPO variable simultaneously have a significant effect on ROA in Islamic Business Unit Banks in Indonesia.
Keywords
References
Dendawijaya, Lukman. (2009). Manajemen Perbankan. Jakarta: Ghalia Indonesia.
Machmud, Amir dan H Rukmana. (2010). Bank syariah: Teori, Kebijakan dan Studi Empiris di Indonesia, Jakarta: PT. Gelora Aksara Pratama
Muhaemin, Ahmad dan Wilasih, Ranti. (2016). Analisis Faktor-Faktor Yang Mempengaruhi Profitabilitas Bank Pembiayaan Rakyat Syariah Di Indonesia Jurnal, Nisbah, Vol 2, No 1.
Muhtadi, Arief. (2015). Faktor-Faktor yang Mempengaruhi Profitabilitas Bank Syariah di Indonesia”. Jurnal Ekonomi Syariah Teori dan Terapan, 2(3).
Munawir. (2021). Analisis Laporan Keuangan, edisi kedua, Yogyakarta: YPKN.
Purnomo, Aris Budi dkk. (2018). “Penyaluran Pembiayaan sebagai Intervening Pengaruh Biaya Operasional Pendapatan Operasional, Non Performing Financing dan Dana Pihak Ketiga pada ROA Bank Umum Syariah” Jurnal Ekonomi Paradigma Vol.19 No.02 Agustus 2017-Januari 2018.
Sari, Rini Malinda. dkk. (2021). Pengaruh Pengaruh Pembiayaan Ijarah, Non Performing Financing To Deposit Ratio Terhadap Return On Asseterhadap Return On Asset Pada Unit Usaha Syariah Tahun 2018-2020. Jurnal Perbankan Syariah Vol.2, No.1.
Taswan, (ed. 2). (2021). Manajemen Perbankan, Yogyakarta: UPP STIM YKPN
Undang-Undang Republik Indonesia Nomor 21 Tahun 2008 Tanggal 16 Juli 2008 Tentang Perbankan Syariah
Wibowo, Edhi Satriyo (2013)“Analisis Pengaruh Suku Bunga, Inflasi, CAR, BOPO, NPF Terhadap Profitabilitas Bank Syariah”, Jurnal Manajemen, Volume 2, Nomor 2.
Article Metrics
Abstract View : 93 timesPDF Download : 37 times
DOI: 10.57235/qistina.v3i1.2350
Refbacks
- There are currently no refbacks.
Copyright (c) 2024 Elindian Kartika Sari, Zikriatul Ulya
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.