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All Journal Law and Justice al-Afkar, Journal For Islamic Studies JPPM (Jurnal Pengabdian dan Pemberdayaan Masyarakat) JCRS (Journal of Community Research and Service) Amwaluna Jurnal Ekonomi dan Keuangan Syariah Jurnal Ecoment Global: Kajian Bisnis dan Manajemen International Journal of Economics, Business and Accounting Research (IJEBAR) Jurnal Iqtisaduna Jurnal Riset Ekonomi Syariah Bandung Conference Series : Sharia Economic Law Bandung Conference Series : Syariah Banking Jurnal Riset Perbankan Syariah Amwaluna: Jurnal Ekonomi dan Keuangan Syariah
Nanik Eprianti
Universitas Islam Bandung
Religion Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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Pengaruh CAR, NPF, NOM, ROA, dan FDR Terhadap Pembayaran Bagi Hasil Mudharabah ke Nasabah (Studi Kasus Bank Jabar Banten Syariah Periode 2015-2023) 10010321006, Ajeng Abril Azahra; Nanik Eprianti; Intan Manggala Wijayanti
Bandung Conference Series: Syariah Banking Vol. 5 No. 1 (2025): Bandung Conference Series: Syariah Banking
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssb.v5i1.18654

Abstract

Abstract. Islamic banks have a strategic role in channeling public funds through financing based on mudharabah contracts. In this scheme, the bank as shahibul maal channels funds to mudharib, with a profit-sharing system for business profits. This study aims to analyze the effect of CAR, NPF, NOM, ROA, and FDR on mudharabah profit-sharing payments at Bank Jabar Banten Syariah for the period 2015–2023. The study used a quantitative method with time series data from quarterly financial reports processed using multiple linear regression through Eviews 12. Data collection techniques were carried out through documentation and literature studies. The results of the study showed that partially, NOM and ROA had a significant effect on profit-sharing payments. ROA had a positive effect, while NOM had a negative effect. Meanwhile, CAR, NPF, and FDR did not have a significant effect. However, simultaneously, the five variables had a significant effect with a contribution of 44,40%. The limitation of this study lies in the scope of variables that only involve financial ratios. The novelty of this study lies in the use of the NOM ratio as an efficiency indicator analyzed against mudharabah profit sharing payments, offering a new perspective in the study of Islamic finance. Keywords: Financial performance, Mudharabah Profit Sharing, Customers. Abstrak. Bank syariah memiliki peran strategis dalam menyalurkan dana masyarakat melalui pembiayaan berbasis akad mudharabah. Dalam skema ini, bank sebagai shahibul maal menyalurkan dana kepada mudharib, dengan sistem bagi hasil atas keuntungan usaha. Penelitian ini bertujuan untuk menganalisis pengaruh CAR, NPF, NOM, ROA, dan FDR terhadap pembayaran bagi hasil mudharabah pada Bank Jabar Banten Syariah periode 2015–2023. Penelitian menggunakan metode kuantitatif dengan data time series dari laporan keuangan triwulanan yang diolah menggunakan analisis regresi linier berganda melalui Eviews 12. Teknik pengumpulan data dilakukan melalui dokumentasi dan studi pustaka. Hasil penelitian menunjukkan bahwa secara parsial, NOM dan ROA berpengaruh signifikan terhadap pembayaran bagi hasil. ROA berpengaruh positif, sedangkan NOM berpengaruh negatif. Sementara itu, CAR, NPF, dan FDR tidak berpengaruh signifikan. Namun, secara simultan, kelima variabel berpengaruh signifikan dengan kontribusi sebesar 44,40%. Keterbatasan penelitian ini terletak pada cakupan variabel yang hanya melibatkan rasio keuangan. Kebaruan penelitian ini terdapat pada penggunaan rasio NOM sebagai indikator efisiensi yang dianalisis terhadap pembayaran bagi hasil mudharabah, menawarkan perspektif baru dalam kajian keuangan syariah. Kata Kunci: Kinerja keuangan, Bagi Hasil Mudharabah, Nasabah
Co-Authors 10010321006, Ajeng Abril Azahra Adhita, Olypia Agvina Rachmayanti Alfira Eka Fauziah Anisa Fitria Anisa Oktaviani Arti Cipta Nurfadhilla Asep Ramdan Hidayat Aswarina Zafira Dela Vivita Deryalfi Fathudin Eva Misfah Bayuni Fahmi Fatwa Rosyadi Satria Hamdani Febriadi, Sandy Rizki Firyal Syakira Rusda Fricillia Juliska Nandita Geulis Putri Amanah Gina Nugrahawati Hanum Auliya Rahmah Ibarahim, Muhammad Andri Ibrahim, Mohamad Andri Ibrahim, Mohammad Andri Ikrimah Syarah Fauziah Ilham Mujahid Indah Nur Fauziah Indah Nur Fauziah Intan Nurrachmi Irma Yulita Silviany Isvi Dewanti Iwan Permana Iwan Permana Liza Dzulhijjah M Andri Ibrahim Maman Surahman Melawati Effendy Milleni Sumalati Mohamad Andri Ibrahim Mohammad Andri Ibrahim Muhammad Andri Ibarahim Najmi Nurfauzi Ihsani Neng Dewi Himayasari Neng Dewi Himayasari Nisrina Jameela Nugrahawati, Gina Nur Haliza Nymas Mu’nisah Anggraeni Olypia Adhita Panji Adam Agus Putra Popon Sri Susilawati Popon Srisusilawati Rahmadani, Yunifa Rahmah, Luni Nur Rifa Fadilah Sandy Rizki Sandy Rizky Febriadi Shakila Carisya Shakila Carisya Shindu Irwansyah Susilawati, Popon Sri Titin Suprihatin Udin Saripudin Wanda Puspita Sari Wijayanti, Intan Manggala Yayat Rahmat Hidayat Yayat Rahmat Hidayat Yayat Rahmat Hidayat, Yayat Rahmat Yusup, Akhmad Zahra Sayidatti Nissa