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Pangsa pasar bank umum syariah di Indonesia: Analisis pendanaan, kualitas pembiayaan, likuiditas, kecukupan modal, dan peran mediasi profitabilitas Achmad Candra Nazrudin; Mohammad Rofiuddin
Journal of Halal Industry Studies Vol. 3 No. 2 (2024): Journal of Halal Industry Studies
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53088/jhis.v3i2.250

Abstract

This study examines the effects of Third-Party Funds (TPF), Non-Performing Financing (NPF), the Financing-to-Deposit Ratio (FDR), and the Capital Adequacy Ratio (CAR) on the market share of Islamic commercial banks in Indonesia during 2018–2020, with profitability as a mediating variable. Profitability is measured using Return on Equity (ROE), which reflects a bank’s ability to generate profits from its own capital. The study uses path analysis to assess the relationships among the variables and the Sobel test to evaluate the mediating role of profitability. The results show that FDR has a negative and significant effect on profitability, while CAR has a positive and significant effect. TPF has a positive effect on profitability that is significant at the 10% level but not at the 5% level, while NPF has no significant effect. Regarding market share, only TPF has a positive and significant effect. NPF, FDR, CAR, and profitability have no significant effects on market share. The Sobel test indicates that profitability does not mediate the effects of TPF, NPF, FDR, or CAR on market share.