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All Journal Indonesian Journal of Economy, Business, Entrepreneuship and Finance (IJEBEF)
Indah Muliasari
Universitas Negeri Jakarta
Economics, Econometrics & Finance

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PENGARUH TINGKAT KECUKUPAN MODAL (CAR), RISIKO PEMBIAYAAN (NPF), DAN EFISENSI OPERASIONAL (BOPO) TERHADAP PROFITABILITAS (ROA) PADA BANK PEMBIAYAAN RAKYAT SYARIAH DI INDONESIA Nurul Innayah; Achmad Fauzi; Indah Muliasari
Indonesian Journal of Economy, Business, Entrepreneurship and Finance Vol. 3 No. 2 (2023): Indonesian Journal of Economy, Business, Entrepreneuship and Finance
Publisher : Yayasan Education and Social Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53067/ijebef.v3i2.103

Abstract

This study aims to determine the effect of Capital Adequacy Ratio, Financing Risk and Operational Efficiency on Profitability in Islamic People's Financing Banks in Indonesia. The research method used is a quantitative method. Data collection was carried out using documentation techniques and secondary data collection from the BPRS financial reports at website Financial Services Authority (OJK) for the 2019-2021 period. The sample in this study uses purposive sampling technique with a total sample of 64 BPRS. This study used several data analysis techniques, namely descriptive statistical analysis, panel data regression analysis, classical assumption test and hypothesis testing. Based on the partial results of the study, the level of capital adequacy and operational efficiency has a significant negative effect on profitability. Meanwhile, financing risk has no effect on profitability. The coefficient of determination in this study is 72.79% which indicates the ability of the level of capital adequacy, financing risk and operational efficiency in explaining the effect to profitability
PENGARUH BERBAGAI PEMBIAYAAN TERHADAP PROFITABILITAS BANK PEMBIAYAAN RAKYAT SYARIAH DI INDONESIA Kartika Fatharani; Achmad Fauzi; Indah Muliasari
Indonesian Journal of Economy, Business, Entrepreneurship and Finance Vol. 3 No. 2 (2023): Indonesian Journal of Economy, Business, Entrepreneuship and Finance
Publisher : Yayasan Education and Social Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53067/ijebef.v3i2.105

Abstract

Financing is a fund provided by Islamic banking to assist customers in financing what they need under certain conditions and benefit both parties. Financing in Islamic banking consists of sale and purchase financing, profit sharing financing and lease financing. This research was conducted at the Sharia Rural Bank in Indonesia. The purpose of this study is to find out how financing at Islamic people's financing banks in Indonesia affects their profitability. The data used are financial statements obtained from the website of the Islamic people's credit bank or the website of the Financial Services Authority in Indonesia. The method used in this study is a quantitative descriptive method, which discusses problems by collecting data, deciphering, calculating, and explaining the effect of various financing on Sharia Rural Bank in Indonesia. Based on the results of the study, profitability in Islamic people's financing banks in Indonesia in 2021-2022 is insignificantlysignificantly influenced by various financings
Co-Authors Achmad Fauzi Ati Sumiati Indah Dwi Navita Kartika Fatharani Nurul Innayah Rana Shabilah Wanda Pratiwi