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All Journal ESENSI: JURNAL BISNIS DAN MANAJEMEN AKUNTABILITAS JAM Jurnal Riset Akuntansi Terpadu Jurnal Tirtayasa Ekonomika (Tirtayasa Economica Journal) Jurnal Ilmiah Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah ALQALAM Syi'ar Iqtishadi MONETER Neraca Keuangan : Jurnal Ilmiah Akuntansi dan Keuangan Al Maal: Journal of Islamic Economics and Banking Iqtishodia: Jurnal Ekonomi Syariah JURNAL EKONOMI SYARIAH Jurnal Altifani Penelitian dan Pengabdian kepada Masyarakat Management Science Research Journal Media Ekonomi Media Riset Bisnis & Manajemen Mutanaqishah: Journal of Islamic Banking International Journal of Accounting, Management, Economics and Social Sciences (IJAMESC) Jurnal Rekognisi Ekonomi Islam (JREI)
Tenny Badina
Universitas Sultan Ageng Tirtayasa
Religion Arts Humanities Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Nursing Public Health Social Sciences Other

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Journal : Mutanaqishah: Journal of Islamic Banking

 1 
The Influence of Financing, Service-Based Income, and Internal Factors on Net Operating Margin in Islamic Commercial Banks Raden Marsha Ananda Putri; Tenny Badina; Ahmad Fatoni
Mutanaqishah: Journal of Islamic Banking Vol. 4 No. 1 (2024): June 2024
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/mutanaqishah.v4i1.1559

Abstract

This study examines the impact of the Financing to Deposit Ratio (FDR), Fee-Based Income (FBI), Operating Expenses to Operating Income (BOPO), and Non-Performing Financing (NPF) on the Net Operating Margin (NOM) of Islamic Commercial Banks (BUS) in Indonesia from 2017-2023. Amid concerns about the sustainability of Islamic banks due to excessive reliance on FBI rather than financing (FDR). Panel data from secondary data Islamic Commercial Banks (BUS) financial statements and the Financial Services Authority (OJK) with Eviews 12. The results show that an increase in FDR positively affects profitability (NOM), while excessive reliance on FBI significantly negatively impacts profitability (NOM). BOPO also has a significant negative impact on profitability (NOM), whereas Non-Performing Financing (NPF) does not significantly affect profitability (NOM). These findings suggest that Islamic Commercial Banks should optimize FDR and BOPO, carefully manage dependence on FBI, and diversify income and risk strategies to enhance profitability.
Co-Authors Aditia Erlangga AHMAD FATHONI Ahmad Fatoni Ahmad Fatoni Ahyakudin, Ahyakudin Ainun Najib, Mohamad Alfarisi, Muhammad Ayyub Anisa Yulianti Atiah, Isti Nuzulul Awaliah, Siti Farika Nurul Debi Rahmawati Dwi Cahyono, Bagus Elif Pardiansyah Enok Nurhayati Fatoni, Ahmad Hasanudin, Agus Ismaya Herdiani, Nita Putri Iin Inayati Ina Indriana Ina Indriana Indrinana, Ina Isti Nuzulul Atiah Lia Uzliawati Lukiawati, Windi Maulina Maalak A’rifa Maulina, Andini Ma’zumi Ma’zumi Mila Emilia Yulianti Mohamad Ainun najib Mohamad Ainun Najib Mohamad Ainun Najib Najib, Mohamad Ainun NANA NOVIANTI Nova Sulistia Nur Chalizzah Nurul Hidayati Pardiansyah, Elif Pardiansyah, Elif Priani Putri, Hanifa Raden Marsha Ananda Putri Rahmawati, Elvira Eka Rani Mahira Rita Rosiana Rita Rosiana Rita Rosiana Robi Setiawan Safira , Zahra Sagita Wahyu Pratama Shoma Febriyani Siti Masitoh Solihatul Adawiyah Suharto, Umayatu Suiroh Syarah Syahidah Syihabudin, Syihabudin Ulfah Indriyani Widiya Ningsih Willy Nurhayadi Yeni Januarsi Yunistiawati, Friska Yunita, Wanda