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THE EFFECT OF FINANCIAL RATIOS ON PROFITABILITY OF INDONESIAN ISLAMIC BANKING BEFORE AND DURING THE COVID-19 PANDEMIC (2018-2021) ulva ardiani; Damanhur Damanhur; Muammar Khadafi
J-MIND (Jurnal Manajemen Indonesia) Vol 8, No 1 (2023): J-MIND (Jurnal Manajemen Indonesia), Juni 2023
Publisher : Universitas Malikussaleh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29103/j-mind.v8i1.8258

Abstract

This study aims to analyze the effect of financial ratios on profitability (NOM), and look at differences in profitability (NOM) in Islamic Banking before and during the Covid-19 pandemic (2018-2021). The sampling technique used purposive sampling. The selected sample is 10 Islamic Commercial Banks in Indonesia for the period from 2018 to 2021. Financial ratios are measured by ROE, NPF, FDR, and BOPO and profitability is measured by NOM. The data analysis method used is multiple linear regression and non-parametric test (Wilcoxon test). The results showed that ROE and BOPO had a positive effect on NOM, while NPF and FDR had a negative effect on NOM, then there is no difference in net operating margin (NOM) before and during the covid-19 pandemic. 
INFLUENCE OF INCOME FOR MUDHARABAH RESULTS AND MURABAHAH MARGIN INCOME ON PROFIT SHARIA BANK BUSINESS IN INDONESIA PERIOD 2015-2019 Falahuddin F; Fuadi F; Muammar Khaddafi; Mohd. Heikal; Damanhur Abbas; Rico Nur Ilham
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 2 No. 4 (2023): January (January-March)
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (328.374 KB) | DOI: 10.54443/morfai.v2i4.15

Abstract

This study aims to analyze the effect of mudharabah revenue sharing and murabahah margin income on operating profit of Islamic banks in Indonesia for the 2015 - 2019 period. The data used in this study are data published by Islamic banks in Indonesia using data from 2015 to 2019 and obtained sample data of 48 data. In selecting the sample, the researcher used a purposive sampling technique, which is a sample selection method based on certain criteria to obtain a representative sample of the population. The results of this study indicate that the revenue sharing of mudharabah and Murabahah Margin income has a positive and significant effect on Operating Profit at Islamic Banks in Indonesia for the 2015-2019 period.