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This Author published in this journals
All Journal Journal of Applied Islamic Economics and Finance
Sintia Dwi Lestari
Politeknik Negeri Bandung
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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The Effect of DPK, NPF, FDR, on Return On Asset with profit sharing as Intervening in Islamic Commercial Banks in Indonesia in The Period 2018-2023 Sintia Dwi Lestari; Radia Purbayati; Dinda Amanda Ainun Nuzul; Muhamad Arif Nugraha
Journal of Applied Islamic Economics and Finance Vol. 6 No. 2 (2026): Journal of Applied Islamic Economics and Finance (February 2026)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/jaief.v6i2.6782

Abstract

This study aims to determine the effect of Third Party Funds, Non Performing Financing, Financing to Deposit Ratio on Return on Assets, with financing as an intervening variable. This study uses data from Islamic Commercial Banks for the period 2018-2023 totaling 12. The research method used is quantitative, data analysis techniques in the form of panel data regression with a path analysis approach using WarpPLS 8.0 Software. This study found the results of direct influence, namely FDR and Financing have a significant positive effect on ROA, DPK has a positive insignificant effect on ROA, and NPF has a negative insignificant effect on ROA. DPK and FDR have a significant positive effect on Financing, and NPF has a positive insignificant effect on Financing. While the results of indirect influence, namely DPK has a significant positive effect on ROA through financing, but FDR and NPF have a positive insignificant effect on ROA.
Co-Authors Dinda Amanda Ainun Nuzul Muhamad Arif Nugraha Radia Purbayati