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All Journal Islamic Economics and Business Review (IESBIR)
Saida Marsa Nur Ahmadi
Universitas Pembangunan Nasional Veteran Jakarta
Religion Economics, Econometrics & Finance Social Sciences

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Determinants of Profit Growth in Islamic Rural Banks: Ratios and Sharia Governance Saida Marsa Nur Ahmadi; Agus Maulana
Islamic Economics and Business Review Vol 4 No 2 (2025): IESBIR, December 2025
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59580/iesbir.v4i1.9644

Abstract

This study examines the impact of various factors on profit growth in Islamic Rural Banks (BPRS), focusing on the Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), Operating Expenses to Operating Income (BOPO), Non-Performing Financing (NPF), Cash Ratio (CR), and the Sharia Supervisory Board (SSB). Using secondary data from annual financial reports of BPRS registered with the Financial Services Authority between 2019-2021, this research applies a quantitative approach with panel data regression analysis. The findings show that: (1) NPF negatively affects profit growth, lower NPF leads to higher profit growth; (2) FDR has no effect on profit growth; (3) BOPO negatively impacts profit growth, lower BOPO contributes to higher profits; (4) CAR positively influences profit growth-higher CAR supports greater profit growth; (5) CR does not affect profit growth; and (6) SSB does not impact profit growth, indicating that the presence or absence of SSB members does not influence profitability. Keywords: Profit growth; Capital Adequacy Ratio; Cash Ratio; Sharia Supervisory Board; Islamic Bank.
Co-Authors Agus Maulana