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All Journal Majapahit Journal of Islamic Finance dan Management Majapahit Journal of Islamic Finance dan Management
Yeni Kartikawati
Universitas Islam Zainul Hasan Genggong, Probolinggo, Indonesia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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ANALYSIS OF THE EFFECT OF NON-PERFORMING FINANCING (NPF) AND OPERATING EXPENSES TO OPERATING INCOME (BOPO) RATIO ON RETURN ON ASSETS (ROA) IN INDONESIAN ISLAMIC COMMERCIAL BANKS 2020-2024 Sabila Farodisa; Nuntupa; Yeni Kartikawati
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 2 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i2.910

Abstract

The financial performance of Islamic commercial banks is one of the important indicators used to assess the health level and profitability level of the bank, one of which can be measured through Return on Assets (ROA). Factors that are suspected to affect ROA include Non-Performing Financing (NPF) and Operating Expense to Operating Income (BOPO) Ratio. This study aims to analyze the influence of NPF and BOPO on ROA in Islamic commercial banks in Indonesia for the 2020-2024 period. Using a quantitative approach as well as secondary data obtained from the company's financial statements. The data analysis technique used multiple linear regression with the help of SPSS software version 26. The results of this study show that NPF partially has no effect on ROA with a significance value of 0.202 > 0.05, while BOPO has a significant effect on ROA as evidenced by a significance value of 0.001 < 0.05. Meanwhile, simultaneously a score of 0.001 < 0.05 was obtained, which means that NPF and BOPO have a significant effect on ROA.
ANALYSIS OF THE EFFECT OF NON-PERFORMING FINANCING (NPF) AND OPERATING EXPENSES TO OPERATING INCOME (BOPO) RATIO ON RETURN ON ASSETS (ROA) IN INDONESIAN ISLAMIC COMMERCIAL BANKS 2020-2024 Sabila Farodisa; Nuntupa; Yeni Kartikawati
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 2 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i2.910

Abstract

The financial performance of Islamic commercial banks is one of the important indicators used to assess the health level and profitability level of the bank, one of which can be measured through Return on Assets (ROA). Factors that are suspected to affect ROA include Non-Performing Financing (NPF) and Operating Expense to Operating Income (BOPO) Ratio. This study aims to analyze the influence of NPF and BOPO on ROA in Islamic commercial banks in Indonesia for the 2020-2024 period. Using a quantitative approach as well as secondary data obtained from the company's financial statements. The data analysis technique used multiple linear regression with the help of SPSS software version 26. The results of this study show that NPF partially has no effect on ROA with a significance value of 0.202 > 0.05, while BOPO has a significant effect on ROA as evidenced by a significance value of 0.001 < 0.05. Meanwhile, simultaneously a score of 0.001 < 0.05 was obtained, which means that NPF and BOPO have a significant effect on ROA.
Analysis of the Effect of Mudharabah and Musyarakah Financing on Credit Risk (Non-Performing Financing) in Islamic Commercial Banks for the 2020–2024 Period Rise Indriyani; Hayatul Millah; Yeni Kartikawati
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 2 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i2.905

Abstract

This study aims to analyze the effect of mudharabah and musyarakah financing on credit risk, as measured by Non-Performing Financing (NPF), in Islamic Commercial Banks in Indonesia during 2020–2024. This study is based on the phenomenon of increased financing with a profit-sharing scheme that does not always follow an increase in credit risk, thus indicating a dynamic relationship between the two variables. This study applies a quantitative method with an associative research type. The data used are secondary data taken from Islamic Banking Statistics published by the Financial Services Authority (OJK). The analytical method used is multiple linear regression after conducting hypothesis testing and classical assumptions such as normality, multicollinearity, heteroscedasticity, and autocorrelation tests. The results of this study indicate that mudharabah financing does not have a significant effect on NPF when viewed individually, with a significance value of 0.203. On the other hand, musyarakah financing also shows no significant effect, with a significance value of 0.470. In this case, both mudharabah and musyarakah combined do not have a significant effect on NPF, with a significance level of 0.430. The Adjusted R Square value obtained is 0.230, which indicates that the independent variables in this study are only able to explain 23% of the variation in NPF, while the rest is influenced by other factors outside this study. Based on the results obtained, it can be stated that financing with the mudharabah and musyarakah systems does not have a significant impact on Non-Performing Financing (NPF) throughout the study period.
Analysis of the Effect of Mudharabah and Musyarakah Financing on Credit Risk (Non-Performing Financing) in Islamic Commercial Banks for the 2020–2024 Period Rise Indriyani; Hayatul Millah; Yeni Kartikawati
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 2 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i2.905

Abstract

This study aims to analyze the effect of mudharabah and musyarakah financing on credit risk, as measured by Non-Performing Financing (NPF), in Islamic Commercial Banks in Indonesia during 2020–2024. This study is based on the phenomenon of increased financing with a profit-sharing scheme that does not always follow an increase in credit risk, thus indicating a dynamic relationship between the two variables. This study applies a quantitative method with an associative research type. The data used are secondary data taken from Islamic Banking Statistics published by the Financial Services Authority (OJK). The analytical method used is multiple linear regression after conducting hypothesis testing and classical assumptions such as normality, multicollinearity, heteroscedasticity, and autocorrelation tests. The results of this study indicate that mudharabah financing does not have a significant effect on NPF when viewed individually, with a significance value of 0.203. On the other hand, musyarakah financing also shows no significant effect, with a significance value of 0.470. In this case, both mudharabah and musyarakah combined do not have a significant effect on NPF, with a significance level of 0.430. The Adjusted R Square value obtained is 0.230, which indicates that the independent variables in this study are only able to explain 23% of the variation in NPF, while the rest is influenced by other factors outside this study. Based on the results obtained, it can be stated that financing with the mudharabah and musyarakah systems does not have a significant impact on Non-Performing Financing (NPF) throughout the study period.
Co-Authors Hayatul Millah Nuntupa Rise Indriyani Sabila Farodisa