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PERAN RISIKO PEMBIAYAAN DALAM MEMODERASI PENGARUH EFISIENSI OPERASIONAL DAN PERMODALAN TERHADAP PROFITABILITAS BPRS DI JAWA TIMUR Fena Nurmala; Firdha Aksari Anindyntha
Journal of Financial Economics & Investment Vol. 6 No. 1 (2026): Journal of Financial Economics & Investment
Publisher : Program Studi Ekonomi Pembangunan

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Abstract

Sharia Rural Banks have a strategic role in financing the micro sector, but profitability as measured by Return on Assets (ROA) shows fluctuations and tends to decline during the 2020-2024 periods. This study aims to analyze the effect of operational efficiency (BOPO) and capital structure (CAR) on profitability (ROA) with financing risk (NPF) as a moderating variable at BPRS in East Java for the 2020-2024 periods. This study uses panel data, namely a combination of time series data for the 2020-2024 period and a cross-section of 24 BPRS resulting in 120 observations, with the analysis technique Moderated Analysis Regression using the Common Effect Model. The results show that operational efficiency, capital structure, and financing risk have a significant negative effect on bank profitability. The moderation test shows that NPF is unable to moderate the effect of BOPO and CAR on ROA. These findings indicate that operational efficiency and capitalization have a direct impact on profitability, regardless of the level of financing risk. This research contributes to the development of Islamic banking literature as well as managerial implications for BPRS in increasing efficiency, optimizing capital, and sustainable management of financing quality.
Impact of macroeconomic variables and digital technology on economic growth in ASEAN-5 countries Fito Ardianto Putra; Firdha Aksari Anindyntha
Journal of Enterprise and Development (JED) Vol. 6 No. 2 (2024): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v6i2.10142

Abstract

Purpose — This research aims to examine and analyze the impact of foreign direct investment (FDI), internet users, interest rates, and inflation on economic growth in the five founding ASEAN countries: Indonesia, Malaysia, Singapore, the Philippines, and Thailand.Method — This research employs a quantitative approach using panel regression analysis to identify and measure the impact of macroeconomic variables and digital technology on economic growth in the five founding countries of ASEAN. The data, spanning the period from 2005 to 2022, is sourced from the World Bank and other relevant international databases.Result — The research results indicate that foreign direct investment (FDI), internet users, and interest rates significantly influence economic growth in ASEAN countries. Conversely, inflation has a negative but insignificant effect on economic growth in the region. These findings underscore the importance of FDI, digital technology adoption, and effective interest rate management in driving economic growth. The insignificant impact of inflation suggests that it may not play a major role in the economic growth dynamics of the ASEAN-5.Practical implications — The research has practical implications for ASEAN stakeholders. Governments can attract FDI and promote digital infrastructure to foster economic growth. Investors can target sectors that benefit from FDI and digital technology. Central banks can adjust interest rates to stimulate growth while managing inflation. Businesses can prioritize digital transformation for development. Collaboration among ASEAN states can further enhance regional growth. Aligning strategies with these findings can boost ASEAN's prosperity and competitiveness.
Internal and External Banking Determinants on Conventional Banking Profitability in Indonesia Alisa Fatin Sabreena; Aris Soelistyo; Firdha Aksari Anindyntha
Economics and Business Journal (ECBIS) Vol. 4 No. 5 (2026)
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v4i5.394

Abstract

This research aims to analyze the influence of internal and external bank factors which include Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Non-Performing Loans (NPL), interest rates, inflation and economic growth on Return on Assets (ROA) in conventional banking in Indonesia. This research uses quantitative methods with a causality approach. The data used is secondary data obtained from bank financial reports and official publications related to the research period. The analysis technique used is panel data regression using model selection tests, classical assumption tests, and hypothesis tests. The research results show that all independent variables simultaneously influence ROA. Partially, NPL has a significant negative effect on ROA, while other variables such as CAR, LDR, interest rates, inflation and economic growth show varying effects on bank profitability. This research concludes that credit risk is the dominant factor influencing banking financial performance.