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Journal : El-Mal: Jurnal Kajian Ekonomi

Analysis of the Impact of BOPO, FDR, NOM and NPF on ROA of Indonesian Sharia Commercial Banks Registered with the OJK Dina Sentika; Eko Sujadi; Elex Sramigi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 4 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i4.1915

Abstract

Return on Resources (ROA) is a marker used to evaluate the effectiveness of an organization in producing benefits utilizing the resources it possesses. The point of this examination is to distinguish factors that impact the degree of organization benefit. Specialists use organization size factors, BOPO, FDR, NOM, and NPF on ROA. The example in this study was 12 banks, and 15 banks had a populace since 3 banks were not deserving of examination in Sharia Business Banks enlisted with the OJK in the period 2019 - 2022. Signaling Theory and Agency Theory are utilized in this study. This examination classification incorporates quantitative strategies utilizing an acquainted methodology, the focal point of which is investigating the effect of at least two factors and utilizing auxiliary information. The tests in this examination are the Traditional Supposition test and Numerous Straight Relapse Test. The consequences of this exploration show that there is an impact between all free factors on the reliant variable, there are two factors that have a huge positive impact (FDR and NOM), and there are two factors that have a critical adverse impact (BOPO and NPF). It is hoped that the findings of this study will help banks manage the factors that affect their level of profitability in order to boost profitability. It is likewise trusted that this study can turn into a reference for lenders and borrowers to survey banking execution all the more effectively and give a premise to navigation. It is hoped that it will provide additional variables that influence bank profitability as a direction for future research.Return on Resources (ROA) is a marker used to evaluate the effectiveness of an organization in producing benefits utilizing the resources it possesses. The point of this examination is to distinguish factors that impact the degree of organization benefit. Specialists use organization size factors, BOPO, FDR, NOM, and NPF on ROA. The example in this study was 12 banks, and 15 banks had a populace since 3 banks were not deserving of examination in Sharia Business Banks enlisted with the OJK in the period 2019 - 2022. Signaling Theory and Agency Theory are utilized in this study. This examination classification incorporates quantitative strategies utilizing an acquainted methodology, the focal point of which is investigating the effect of at least two factors and utilizing auxiliary information. The tests in this examination are the Traditional Supposition test and Numerous Straight Relapse Test. The consequences of this exploration show that there is an impact between all free factors on the reliant variable, there are two factors that have a huge positive impact (FDR and NOM), and there are two factors that have a critical adverse impact (BOPO and NPF). It is hoped that the findings of this study will help banks manage the factors that affect their level of profitability in order to boost profitability. It is likewise trusted that this study can turn into a reference for lenders and borrowers to survey banking execution all the more effectively and give a premise to navigation. It is hoped that it will provide additional variables that influence bank profitability as a direction for future research.
Co-Authors A. Muri Yusuf Adawiyah, Zaidatul Afisti, Eltasya Ahmad Jamin Ahmad, Bukhari Ayumi, Rinda Tri Azhari Azhari Betaria Putra Bukhari Ahmad Bukhari Ahmad Bustami, Yuserizal Candra, Hadi Chandra, Hadi Dairabi Kamil Desri Jumiarti Dina Sentika Dosi Juliawati Eka Putra Eka Putra Elex Sramigi Emeliya Hardi Farid Imam Kholidin Ferdianti, Restia fitri, silvia Hadi Candra Hadi Chandra Harmalis Harmanda, Dea Hasta Purna Putra hayati, rahmatul Hengki Yandri Husnatul Putri Jafar Ahmad Jalwis, Jalwis Juli Andriyani Kurniawan, Handrea Latifa Aulianisya Leni Setioningsih Lestari, Lesi Lia Angela Lia Angela M. Eval Setiawan Mahdi Mahdi, Mahdi Mahdi NK Malsya, Regi Marjohan Marjohan Martunus Wahab Martunus Wahab Martunus Wahab Masnur Alam Meditamar, Muhd Odha Meditamar, Muhd. Odha Melyetti, Melyetti Mentari, Ulva Widia Muhammad Fadhli Muhammad Fadhli Muhammad Odha Meditamar Muhd Odha Meditamar Muhd Odha Meditamar Muhd Odha Meditamar Muhd. Odha Meditamar Muhd. Odha Meditamar Nora Novita Novelia Novelia Novelia Novelia, Novelia Noviani, Yesi Nur Wisma Nur Wisma Nurul Azmi Odha Meditamar, Muhd. Pramudita, Niken Putra, Betaria Putra, Hastha Purna Putra, Roni Ahmad Putri, Jihan Amelia RAHAYU, WIDYA Rahima MRA, Raja Rara Satrianti Rasmita Reni Putri Utama Rusmaniar, Rusmaniar Saaduddin Saaduddin Salsabila, Aura Sasferi, Nuzmi Saskiya, Ulfa Satrianti, Rara Sumarto, Sumarto Syaiful Indra Syaiful Indra, Syaiful Ulva Widia Mentari Violita Viona Nada Wahab, Martunus Wahyudi, Iqmal Wisnarni Wisnarni Wiyan Mailindra, Wiyan Y. SONAFIST Yulia Yulia Yuliandra, Yuliandra Yuserizal Bustami Yuserizal Bustami Yuserizal Bustami Yuserizal Bustami Yuserizal Bustami Zahara Febrianti