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All Journal J-MAS (Jurnal Manajemen dan Sains) Eksis: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Development ARRUS Journal of Social Sciences and Humanities Jurnal Pengabdian Masyarakat Waradin Jurnal Riset Manajemen Indonesia Jurnal Pengabdian Kolaborasi dan Inovasi IPTEKS West Science Interdisciplinary Studies Menawan : Jurnal Riset dan Publikasi Ilmu Ekonomi International Journal of Economics and Management Sciences Jurnal Abdimas UM Jambi International Journal of Innovation Research in Education, Technology and Management (IJIRETM) Global Management: International Journal of Management Science and Entrepreneurship Konstanta : Jurnal Matematika dan Ilmu Pengelatuan Alam NAAFI: JURNAL ILMIAH MAHASISWA Jurnal Ekonomi dan Manajemen
Ermaini Ermaini
Universitas Muhammadiyah Jambi
Religion Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Engineering Environmental Science Immunology & microbiology Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Social Sciences Other

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Journal : Jurnal Development

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Pengaruh CAR, ROA, NPM dan LDR terhadap Pertumbuhan Laba Bank Ermaini Ermaini; Irmanelly Irmanelly
Journal Development Vol 2 No 1 (2014): Jurnal Development
Publisher : Universitas Muhammadiyah Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (221.473 KB) | DOI: 10.53978/jd.v2i1.13

Abstract

This research aims to estimates the effect of CAR, ROA, NPM and LDR to bank profit growth case study at PT. Bank Mandiri, Tbk in the period 2002.I-2009.IV. The data which is used are secondary data in the form of quarterly financial statements published by PT. Bank Mandiri, Tbk . This study uses ratio analysize and regression analysis. Variable of CAMEL are independent of the ratio Capital Adequacy Ratio(CAR), Return on Asset (ROA), Net Profit Margin (NPM) dan Loan to Deposit Ratio (LDR).While the variable dependent is profit growth. The results showed that only variable of NPM which has significant influence on the growth of banking profits.
PENGARUH NON-PERFORMING FINANCING (NPF) TERHADAP RETURN ON ASSETS (ROA) PADA BANK MUAMALAT DI INDONESIA Hamza, Amir; Ermaini; Suryani, Ade Irma
Jurnal Development Vol. 13 No. 2 (2025): Jurnal Development
Publisher : Universitas Muhammadiyah Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53978/jd.v13i2.704

Abstract

This study aims to analyze the relationship between Non-Performing Financing (NPF) and Return on Assets (ROA) in Islamic banking institutions, focusing on Bank Muamalat Indonesia from 2007 to 2024. Using a quantitative approach and simple linear regression analysis, secondary data were collected from the bank's annual reports. The results indicate that although NPF theoretically influences ROA negatively, the statistical test showed no significant relationship between the two variables (p-value = 0.204, R2 = 9.87%). This implies that only a small proportion of ROA variation is explained by NPF, while other factors may have greater impact on profitability. The findings highlight a phenomenological gap between theory and empirical evidence, suggesting that NPF alone does not sufficiently determine the financial performance of Bank Muamalat. Therefore, it is recommended that future studies incorporate other variables and consider using nonlinear or more complex models to gain deeper insights into factors influencing bank profitability.
Co-Authors Abd Halim Abd Halim Ade Irma Suryani Ade Irma Suryani Ade Irma Suryani AGESHA MARSYAF Agi Nanjar Agus Santoso Arel Rutama ARI SETIAWAN Arman Syafa`at Arniwita, Arniwita Aulia Septia Ningrum Dharma, Bertia Arya Endah Tri Kurniasih Endah Tri Kurniasih Faradilla Herlin Hamza, Amir Hario Tamtomo Helmina Helmina Hetty Rohayani i, safi Iqra Wiarta Iqra Wiarta Irmanelly, Irmanelly Istiqom Istiqom Jezzyca Ria Paramita Kayla Risma Marfisya Lizabeth Sari Dewi M Sabyan M. Sabyan Muhammad Ikhsan Mustika Mustika Mustika Mustika Mustika Mustika Nayla Desviona Nazaruddin Nazaruddin Niko Tala Buana Oka Ediansa Peramasari, Novi Putra, Iwan Eka Rahmi Handayani Rahmi Handayani Ratih Rosita Rian Dani Rifky Lana Rahardian Sabrina Sabrina Sri Wahyuni Tamtomo, Hario Trie Hierdawati Trie Hierdawati Yawardo, Panji Nugraha Zul Fanji