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Journal : IIJSE

The Effect of Non-Performing Loan (NPL), Capital Adequacy Ratio (CAR) & Loan To Deposit Ratio (LDR) on Return on Assets (ROA) (Case Study: Government-Owned National Banks) Assegaff, Helmy; Ermawati, Wita Juwita; Slamet, Alim Setiawan
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1: Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i1.8376

Abstract

This study aims to analyze the influence of Non-Performing Loans (NPL), Capital Adequacy Ratio (CAR), and Loan to Deposit Ratio (LDR) on Return on Assets (ROA) in state-owned conventional commercial banks during the 2019–2023 period. The research employs multiple linear regression analysis using SPSS 25. The sample consists of four state-owned conventional commercial banks. The F-test results indicate that NPL, CAR, and LDR simultaneously have a significant effect on ROA, with an F-value of 21.925 and a significance level of 0.000. Partially, only the NPL variable has a significant effect on ROA, as shown by a t-value of -5.312 and a significance level of 0.000. Meanwhile, the CAR and LDR variables do not have a significant effect on ROA, with significance values of 0.318 and 0.961, respectively. Thus, it can be concluded that only NPL significantly affects the bank's profitability as measured by ROA.
The Effect of Entrepreneurial Self-Efficacy on Turnover Intention: Mediated by Entrepreneurial Intention and Moderated by Quality of Work Life Falahy, Unwan; Slamet, Alim Setiawan; Ekananta, Arry
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.7469

Abstract

This study aims to analyze the effect of enactive mastery experience on entrepreneurial self-efficacy and its implications for entrepreneurial intention and turnover intention in startup businesses. The results indicate that enactive mastery experience has a positive and significant effect on entrepreneurial self-efficacy. The more experience an employee has in entrepreneurial values, the stronger their confidence in their entrepreneurial abilities. Furthermore, entrepreneurial self-efficacy was found to positively influence both entrepreneurial intention and turnover intention to startup businesses. This means that employees with higher self-confidence in entrepreneurship are more likely to intend to leave their current job to start their own business. The study also confirms that entrepreneurial intention mediates the relationship between entrepreneurial self-efficacy and turnover intention. Additionally, the quality of work life significantly moderates the relationship between entrepreneurial intention and turnover intention, where a high quality of work life can reduce the tendency of employees to leave their jobs despite having entrepreneurial intentions. These findings provide important insights for organizational management in understanding the dynamics of employees’ entrepreneurial intentions and developing talent retention strategies.