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All Journal Journal of Applied Islamic Economics and Finance
Tjetjep Djuwarsa
Department of Accounting, Politeknik Negeri Bandung
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Profitabilitas pada Bank Umum Syariah di Indonesia: Pengaruh Faktor Internal serta Pembiayaan UMKM Sebagai Variabel Intervening Syahla Aidah Nur Rahmah; Tjetjep Djuwarsa; Endang Hatma Juniwati
Journal of Applied Islamic Economics and Finance Vol 3 No 1 (2022): Journal of Applied Islamic Economics and Finance (October 2022)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/jaief.v3i1.3786

Abstract

This study analyzes the effect of Financing to Deposit Ratio, Non-Performing Financing, and Operational Efficiency Ratio on Return On Assets through MSME Financing at Islamic Commercial Banks in Indonesia. The population used is Islamic Banking in Indonesia. The research method used is quantitative research with path analysis using IBM SPSS Statistics 25 software. The data used is secondary data published by OJK during the period of 2016-2020. The results of this study indicate the following direct effects: FDR and NPF have no effect on ROA, BOPO and MSME financing have a significant negative effect on ROA, FDR has no effect on MSME financing, NPF and BOPO have a significant negative effect on MSME financing, while the indirect effect can be concluded that FDR has no effect on ROA through MSME financing, NPF has a significant positive effect on ROA through MSME financing, and BOPO has a significant positive effect on ROA through MSME financing.
Analisis Komparatif Kinerja Keuangan Bank Syariah Sebelum dan Selama Pandemi Covid-19 Muhammad Rif'at Wijdan; Tjetjep Djuwarsa; Benny Barnas
Journal of Applied Islamic Economics and Finance Vol 3 No 1 (2022): Journal of Applied Islamic Economics and Finance (October 2022)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/jaief.v3i1.3854

Abstract

The entry of Covid-19 into Indonesia caused a decline in economic growth in Indonesia and disruption to the banking sector, resulting in the risk of declining profitability, liquidity difficulties, decreased profitability, and growth that slowed down the decline in bank performance. The purpose of this study was to compare the differences in the financial performance of Islamic banking before and during the COVID-19 pandemic. In this study used financial performance ratios, financial performance consists of FDR, CAR, NPF, BOPO and ROA. The population of this study were eight Islamic banks listed at the OJK. The discussion was carried out using multiple linear regression and the Sing-Wilcoxon difference test. The results showed that there was an effect of CAR, NPF, and BOPO except FDR on ROA, and there were also significant differences that were not shown by CAR, while ROA, NPF, BOPO, and FDR showed significant differences before and during Covid-19 . From these results, it can be said that there is an impact of Covid-19 on the financial performance of Islamic banks in Indonesia.
Co-Authors Barnas, Benny Endang Hatma Juniwati Muhammad Rif'at Wijdan Syahla Aidah Nur Rahmah