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All Journal Tsarwah : Jurnal Ekonomi dan Bisnis Islam
Sulaeman Jajuli
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Economics, Econometrics & Finance

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Pengaruh Variabel BOPO, NOM Dan CAR Terhadap Profitabilitas Bank Umum Syari’ah di Indonesia pada Masa Pandemi Covid-19 Rifa'atul Munawaroh; Bambang Dwi Suseno; Sulaeman Jajuli
TSARWAH Vol 7 No 1 (2022): June
Publisher : PROGRAM STUDI EKONOMI ISLAM PROGRAM PASCASARJANA IAIN SULTAN MAULANA HASANUDDIN BANTEN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/tsarwah.v7i1.6589

Abstract

Covid-19 has various impacts is the economic sector, especially the banking sector. Banks are constrained to get the level of profit. Profitability can be reflected in how effective the bank's management is in managing the funds entrusted to it to generate profits. The objectives of this study to determine the effect of BOPO, NOM, and CAR on the profitability of Islamic Commercial Banks during the Covid-19 pandemic. The population in this study were all Islamic Commercial Banks in Indonesia with a total of 13 banks. Use secondary data, namely financial reports that had been published. The amount of data analyzed is 26 months. Technical data analysis used Partial Least Squares (PLS). The results showed that; 1) The coefficient value of the effect of BOPO on Profitability was 0.956, which means there was a positive influence and the T-Statistics value was 3.166. 2) The coefficient value of the effect of BOPO on CAR was 0.511, which means there was a positive influence and the T-Statistics value was 6.666. 3) The coefficient value of the effect of BOPO on NOM is 0.652 which means there is a positive influence and the value of T-Statistics is 12,414. 4) The coefficient value of the influence of NOM on Profitability is 0.652 which means there is a positive influence and the value of T-Statistics is 8.698. 5) The coefficient value of the effect of CAR on Profitability is 0.956, which means there is a positive influence and the T-Statistics value is 2.387.
Perbandingan Efisiensi Kinerja Bank Umum Syariah dan Unit Usaha Syariah Pada Masa Pandemi Covid-19 (Periode 2019-2021) Risa Nurdzanah; Efi Syarifudin; Sulaeman Jajuli
TSARWAH Vol 7 No 1 (2022): June
Publisher : PROGRAM STUDI EKONOMI ISLAM PROGRAM PASCASARJANA IAIN SULTAN MAULANA HASANUDDIN BANTEN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/tsarwah.v7i1.6587

Abstract

Penelitian ini bertujuan untuk mengetahui tingkat efisiensi Bank Umum Syariah dan Unit Usaha Syariah di Indonesia dengan menggunakan metode Data Envelopment Analysis pada masa pandemi Covid-19 (2019-2021). Penelitian ini menggunakan data sekunder berupa data panel dari data cross section dan time series. Sampel penelitian oleh 5 Bank Umum Syariah dan 5 Unit Usaha Syariah. Hasil dari penelitian ini adalah tingkat efisiensi yang diperoleh Bank Umum Syariah jika diurutkan dari rata-rata tertinggi yaitu Bank BTPN Syariah dengan rata-rata 99,31%, Bank Panin Dubai Syariah dengan rata-rata 97,16%, Bank Muamalat Indonesia dengan rata-rata 93,19%, Bank Mega Syariah dengan rata-rata 91,95%, dan Bank BCA Syariah dengan rata-rata 89,11%. Tingkat efisiensi yang diperoleh Unit Usaha Syariah jika diurutkan dari rata-rata tertinggi yaitu: Bank Sinarmas Syariah dengan rata-rata 100%, Maybank Indonesia Syariah dengan rata-rata 100%, Bank Danamon Syariah dengan rata-rata 100%, Bank CIMB Niaga Syariah dengan rata-rata 100%, dan Bank Permata Syariah dengan rata-rata 95,39%. Hasil dari penelitian ini adalah pada saat kondisi pandemi, tingkat kinerja efisiensi Unit Usaha Syariah (UUS) lebih baik dibandingkan dengan Bank Umum Syariah (Bus). Artinya UUS mampu mempertahankan kinerjanya dengan memaksimalkan penggunaan sumber daya untuk mendapatkan hasil yang diharapkan. Adapun sektor bus mengalami penurunan kinerja yang cukup signifikan akibat krisis ekonomi akibat pandemi.
Co-Authors Efi Syarifudin Rifa'atul Munawaroh Risa Nurdzanah Suseno, Bambang Dwi