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Journal : Proceeding International Seminar of Islamic Studies

THE INFLUENCE OF FINANCIAL PERFORMANCE ON THE PROFITABILITY OF SHARIA COMMERCIAL BANK IN INDONESIA Audina, Mia; Siregar, Pani Akhiruddin; Putri, Alya Saskia; Rahman, Anggi Sartika
Proceeding International Seminar of Islamic Studies INSIS 6 (February 2024)
Publisher : Proceeding International Seminar of Islamic Studies

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Abstract

This research aims to analyze the influence of financial performance on the profitability of Sharia Commercial Bank in Indonesia. Financial performance indicator with CAR, NPF, and BOPO. The profitability indicator of Sharia Commercial Bank in Indonesia with ROA. This type of research data with secondary data is sourced from the Financial Performance of Sharia Commercial Bank and Business Activities of Sharia Commercial Bank through the publication of Sharia Indonesia Banking Statistic, Financial Services Authority (SPS-OJK). The research sample was taken periodically in the form of monthly data from January 2020 to September 2023. At least, the amount of data that can be further analyzed is 45 data. Sampling technique with simple random sampling. The results of the research are as follows: (1) The estimation model shows an R2 value of 0,983 which represents the value of the coefficient of determination. This means that 98,30% of the dependent variable variation is able to be explained by the independent variable in this model. The remaining 1,70% is explained by other causes that are not included in the model; 2) The regression model on the independent variable simultaneously influence the dependent variable, so that the independent variable regression model can be used to predict the dependent variable; and (3) This research produced output that CAR, NPF, and BOPO have an influential and are significant on ROA Sharia Commercial Bank in Indonesia. 
THE INFLUENCE OF MOTIVATION TO AVOID USURY, PRODUCT KNOWLEDGE AND RELIGIOUS ON THE DECISION TO BECOME A CUSTOMER AT BPRS GEBU PRIMA Siregar, Pani Akhiruddin; Anip, Andi
Proceeding International Seminar of Islamic Studies INSIS 5 (March 2023)
Publisher : Proceeding International Seminar of Islamic Studies

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Abstract

This study aims to see the significant influence between the motivation to avoid usury, product knowledge and religious on the decision to become a customer at BPRS Gebu Prima. The research approach with quantitative methods is described with a multiple linear regression analysis model. The primary data source was obtained by distributing questionnaires to respondents as a sample of 75 customers. Sampling techniques nonprobability by means of incidental sampling. The results of the study are as follows: (1) The estimation model shows an R2 value of 0,210 which represents the value of the coefficient of determination. This means that 21% of the dependen variable variation is able to be explained by the independen variables in this model. The remaining 79% is explained by other causes that are not included in the model; 2) The regression model on the independen variable simultaneously influence the dependen variable, so that the independen variable regression model can be used to predict the dependen variable; and (3) This research produced an output according to the hypothesis that there is a significant influence between the motivation to avoid usury, product knowledge and religious on the decision to become a customer at BPRS Gebu Prima.
THE INFLUENCE OF DPK, NPF, AND BOPO ON ROA ISLAMIC COMMERCIAL BANKS IN INDONESIA Nasution, Lailan Azmi; Siregar, Pani Akhiruddin; Sari, Yulia; Patimah, Patimah; Pasaribu, Novita Sari
Proceeding International Seminar of Islamic Studies INSIS 6 (February 2024)
Publisher : Proceeding International Seminar of Islamic Studies

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Abstract

This study was conducted to formulate whether DPK, NPF, and BOPO affect the ROA of Islamic Commercial Banks in Indonesia. The type of research data with secondary data sourced from the Financial Performance of Islamic Commercial Banks through the publication of Sharia banking Statistics, Financial Services Authority (SPS-OJK). SPS-OJK is a publication media that presents data on Sharia banking in Indonesia. The research sample was taken periodically in the form of monthly data from January 2020 to September 2023. At least, the amount of data that can be further analyzed is 45 data. Sample withdrawal technique with simple random sampling. The research results are as follows: (1) The estimation model shows an R2 value of 0.551 which represents the coefficient of determination. This means that 55.10% of the variation in the dependent variable can be explained by the independent variables in this model. The remaining 44.90% is explained by other causes that are not included in the model; (2) The regression model on the independent variables simultaneously affects the dependent variable so that the independent variable regression model can be used to predict the dependent variable; and (3) This study produces the output of not only DPK but also BOPO which has a significant effect on the ROA of Islamic Commercial Banks in Indonesia. Except that, NPF has no effect and is not significant on the ROA of Islamic Commercial Banks in Indonesia.
THE INFLUENCE OF NPF, BOPO, AND CKPN ON THE ROA OF SHARIA BUSINESS UNIT IN INDONESIA Siregar, Pani Akhiruddin; Wirian, Oktrigana; Ruslan, Muhammad; Afandi, Ahmad; Olivia, Hastuti
Proceeding International Seminar of Islamic Studies INSIS 6 (February 2024)
Publisher : Proceeding International Seminar of Islamic Studies

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Abstract

This research aims to analyze the influence of NPF, BOPO, and CKPN on the ROA of Sharia Business Unit in Indonesia. The type of research data with secondary data is sourced from the Financial Ratios of Islamic Business Unit and Islamic Business Unit Operations through the publication of The Sharia Indonesia Banking Statistics, Financial Services Authority (SPS-OJK). The SPS-OJK is is a publication media that provides data regarding the Sharia banking industry in Indonesia. The research sample was taken periodically in the form of monthly data from January 2020 to August 2023. At least, the amount of data that can be further analyzed is 44 data. Sampling technique with simple random sampling. The results of the research are as follows: (1) The estimation model shows an R2 value of 0,893 which represents the value of the coefficient of determination. This means that 89,30% of the dependent variable variation is able to be explained by the independent variable in this model. The remaining 10,70% is explained by other causes that are not included in the model; (2) The regression model on the independent variable simultaneously influence the dependent variable, so that the independent variable regression model can be used to predict the dependent variable; and (3) This research produced output that NPF, BOPO, and CKPN have an influential and are significant on the ROA of Sharia Business Unit in Indonesia.