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All Journal Indonesian Journal of Economics and Management Ensiklopedia Research and Community Service Review
Ramadhani, Rizkia
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Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Electrical & Electronics Engineering Mechanical Engineering Social Sciences Other

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The Influence of Bank Specific Factors and Macro Economics on Non-Performing Financing in Islamic Rural Banks Ramadhani, Rizkia; Mai, Muhammad Umar; Novianty, Ira
Indonesian Journal of Economics and Management Vol 3 No 3 (2023): Indonesian Journal of Economics and Management (July 2023)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ijem.v3i3.4872

Abstract

During 2017-2021, the BPRS NPF ratio has exceeded the threshold set by the Financial Services Authority, which is 7%. The average NPF ratio of BPRS for the 2017-2021 period is 8.25% (Otoritas Jasa Keuangan, 2022).. The population in this study are Islamic Rural Banks in Indonesia, namely 167 Islamic People's Financing Banka. The samples in this study were 157 Islamic Rural Banks. The sampling technique in this study used purposive sampling. Based on the discussion and results, ROA, CAR, FDR, Inflation, GDP, and unemployment on the dependent variable, namely NPF at Islamic Rural Banks during 2017-2021, the results show that ROA has a negative effect on NPF while FDR and inflation have a positive effect on NPF. Meanwhile CAR, GDP, and unemployment have no effect on NPF at Islamic Rural Banks in Indonesia.
ANALISIS DETERMINAN FUNDAMENTAL TERHADAP PROFITABILITAS BANK UMUM SYARIAH DI BURSA EFEK INDONESIA Andriani, Irma; Ramadhani, Rizkia
Ensiklopedia Research and Community Service Review Vol 5, No 3 (2026): Vol. 5 No. 3 Juni 2026
Publisher : Lembaga Penelitian dan Penerbitan Hasil Penelitian Ensiklopedia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33559/err.v5i3.3846

Abstract

This study aims to dissect the extent to which fundamental determinants measured through the Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF) and Operational Costs to Operating Income (BOPO) affect the level of profitability (Return on Assets) in Islamic commercial bank. The observation focuses on 4 (four) Islamic banks listed on the Indonesia Stock Exchange (IDX) during the 2019-2024 period. Using a quantitative approach, the data estimation is calculated through panel data regression assisted by Eviews software. Empirical test results reveal that collectively, the three fundamental ratios have a significant effect on ROA. However, partial analysis proves that cost inefficiency (BOPO) and high non-performing financing (NPF) are the primary factors most noticeably suppressing profitability. On the other hand, the size of the capital buffer (CAR) does not show a meaningful statistical impact on profit growth. These findings provide a strong signal for banking management to prioritize operational efficiency and financing quality over mere aggressive expansion.Keywords: BOPO, CAR, NPF, ROA
Co-Authors Irma Andriani Mochamad Umar Mai Novianty, Ira