Analisis Pengaruh NPF, CAR, dan FDR terhadap Profitabilitas Bank Umum Syariah di Indonesia Periode 2015-2019

Damayanti, Chika; Nurdin, Ade Ali; Widayanti, Rochmi

doi:10.35313/jaief.v2i1.2818

Cited by 5 publications

(12 citation statements)

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“…Sesuai ketentuan bank wajib menyediakan modal minimum sebesar 8% dari Aktiva Tertimbang Menurut Aktiva (ATMR). Menurut penelitian terdahulu, CAR memiliki pengaruh yang positif terhadap profitabilitas perbankan [7], [10], [11]. Sehingga dapat diajukan hipotesis sebagai berikut: H1: CAR berpengaruh positif dan signifikan terhadap ROA pada Bank Umum Syariah di masa pandemi covid-19.…”

Section: Tabel 1 Perkembangan Rasio Variabel Penelitian (%)unclassified

“…Nilai NPF yang baik adalah kurang dari 2% hal ini sesuai dengan aturan yang ditetapkan oleh Bank Indonesia. Menurut penelitian terdahulu, NPF memiliki pengaruh yang negatif terhadap profitabilitas perbankan syariah [7], [12], [13]. Sehingga dapat diajukan hipotesis sebagai berikut: H2: NPF berpengaruh negatif dan signifikan terhadap ROA pada Bank Umum Syariah di masa pandemi covid-19.…”

Section: Tabel 1 Perkembangan Rasio Variabel Penelitian (%)unclassified

“…Hasil ini menunjukkan bahwa semakin tinggi CAR bank, maka semakin baik profitabilitasnya. Karena bank semakin kuat untuk menanggung risiko dari setiap pembiayaan atau aktiva produktif yang berisiko sehingga bank dapat meningkatkan kinerja keuangan dan profitabilitas [7]. Menjaga rasio kecukupan modal akan meningkatkan kepercayaan masyarakat terhadap bank juga memberikan ketenangan bagi masyarakat saat menyimpan dananya di bank yang nantinya akan meningkatkan profitabilitas bank.…”

Section: Hasil Pembahasan Penelitian Pengaruh Car Terhadap Roaunclassified

“…Hasil penelitian ini sesuai dengan penelitian yang dilakukan oleh Damayanti dkk. [7], Latifah dkk. [10], dan Azahra dkk.…”

Section: Hasil Pembahasan Penelitian Pengaruh Car Terhadap Roaunclassified

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Analisis Pengaruh CAR, NPF, FDR, Inflasi, BI Rate terhadap Profitabilitas Bank Umum Syariah di Indonesia: Studi Masa Pandemi Covid-19

Pratiwi¹,

Sari

Fadhilah³

2022

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Corona Virus disease 19 is one of the pandemics that has spread to almost all countries in the world, including Indonesia. As a result, it affects not only health sectors, but also the banking system of sharia commercial banks. The purpose of this study was to analyze the influence of CAR, NPF, FDR, Inflation, and BI Rate on the profitability of sharia commercial banks during the Covid-19 pandemic. This research is a quantitative study with secondary data, the number of samples of 10 sharia commercial banks with quarterly financial statements during 2020. This study used the data panel regression analysis method with Random Effect Model approach using Eviews version 9 analysis tool. The results of this study show that CAR has a positive and significant effect on ROA. Furthermore, NPF has a negative and significant effect on ROA. Meanwhile, FDR, Inflation, and Bi Rate have no significant effect on ROA.

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Section: Tabel 1 Perkembangan Rasio Variabel Penelitian (%)unclassified

Section: Hasil Pembahasan Penelitian Pengaruh Car Terhadap Roaunclassified

“…Hasil penelitian ini sesuai dengan penelitian yang dilakukan oleh Damayanti dkk. [7], Latifah dkk. [10], dan Azahra dkk.…”

Section: Hasil Pembahasan Penelitian Pengaruh Car Terhadap Roaunclassified

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Analisis Pengaruh CAR, NPF, FDR, Inflasi, BI Rate terhadap Profitabilitas Bank Umum Syariah di Indonesia: Studi Masa Pandemi Covid-19

Pratiwi¹,

Sari

Fadhilah³

2022

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“…NPF yaitu tingkat risiko berupa jumlah pembiayaan yang bermasalah serta dana yang kemungkinan tidak dapat ditagih (Hijriyani & Setiawan, 2017). Hal tersebut disebabkan nasabah yang mengalami gagal bayar atau tidak mampu untuk memenuhi kewajiban kepada bank syariah dalam mengembalikan pembiayaan (Damayanti, Nurdin, & Widayanti, 2021). Risiko tersebut menjadi rasio yang harus dihadapi dan diatasi oleh bank syariah.…”

Section: Non Performing Financing (Npf)unclassified

Analisis Pengaruh Faktor Internal dan Faktor Eksternal terhadap Profitabilitas Bank Pembiayaan Rakyat Syariah di Indonesia

Oktaviani

Umar

Setiawan

2022

J. Appl. Islam. Econ. Financ.

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This study aims to determine the magnitude of the influence of the variables FDR, NPF, Firm Size, Infalsi, and GDP on ROA at Rural Bank Syaria in Indonesia. The population used is Rural Bank Syaria registered with the OJK. The data used is secondary data derived from financial reports issued by OJK for the 2016-2020 period. The research method used is quantitative research with pane data regression analysis and is supported by Eviews 9 as a data processing application. The sample used in this study was 99 BPRS. From this study, the results obtained that simultaneously independent variables affect ROA. Partially the variabel FDR, firm size development and GDP have a positive and significant effect on ROA. The NPF variable partially has a negative and significant effect on ROA. And the inflation variable has no significant effect on ROA.

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The influence of financial performance on profitability of sharia commercial banks in Indonesia using the CAMEL method

Minarni,

Abidin,

Ekowati

2023

J. Islam. Econ. Lariba

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IntroductionResearch on Islamic commercial banks in Indonesia have been extensively conducted, with a focus on banks in general and large banks. However, research specifically targeting medium-sized banks, namely PT Bank Muamalat Indonesia, PT Bank Mega Syariah, PT Bank Panin Dubai Syariah, PT Bank BCA Syariah, and PT Bank KB Bukopin Syariah, is still limited.ObjectivesThis study aims to examine the influence of the financial performance of Islamic banks on their profitability using the CAMEL indicator.MethodThis research is quantitative with a correlational approach. The population in this study consists of 12 Islamic commercial banks in Indonesia, with 5 of them selected as samples. The sampling technique used is purposive sampling. The study utilizes secondary data from quarterly financial ratio reports of Islamic banks published by the Financial Services Authority (OJK). The analysis involves evaluating the impact of CAR, NPF, NOM, BOPO, and FDR on ROA using multiple linear regression analysis.ResultsThe findings indicate that, partially, CAR and NPF do not significantly affect the ROA of Islamic banks. However, NOM, BOPO, and FDR have a significant impact on the ROA of Islamic banks.Implicationsthe research motivates Islamic bank management to improve their financial ratios to meet the health criteria set by Bank Indonesia (BI) and OJK. Maintaining healthy financial ratios has implications for the level of trust that customers and potential customers have in Islamic banks and ultimately determines the long-term existence of these banks.Originality/NoveltyThis study contributes to the development of risk management theory by examining the factors influencing the fluctuations in the values of CAR, NPF, NOM, BOPO, and FDR on the ROA of Islamic banks.

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Analisis Pengaruh NPF, CAR, dan FDR terhadap Profitabilitas Bank Umum Syariah di Indonesia Periode 2015-2019

Cited by 5 publications

References 0 publications

Analisis Pengaruh CAR, NPF, FDR, Inflasi, BI Rate terhadap Profitabilitas Bank Umum Syariah di Indonesia: Studi Masa Pandemi Covid-19

Analisis Pengaruh CAR, NPF, FDR, Inflasi, BI Rate terhadap Profitabilitas Bank Umum Syariah di Indonesia: Studi Masa Pandemi Covid-19

Analisis Pengaruh Faktor Internal dan Faktor Eksternal terhadap Profitabilitas Bank Pembiayaan Rakyat Syariah di Indonesia

The influence of financial performance on profitability of sharia commercial banks in Indonesia using the CAMEL method

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