Claim Missing Document
Check
Articles

Found 2 Documents
Search
Journal : International Conference on Islamic Studies

ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PROFITABILITAS BANK PEMBIAYAAN RAKYAT SYARIAH INDONESIA Tirta, Junita Puji Lestari; Rosyidah, Norma
International Conference on Islamic Studies Vol. 4 No. 2 (2023): December
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/icois.v4i2.252

Abstract

Measurement for the performance of a company is called Profitability. With the aim of measuring the company's ability to generate profits in a certain period. The purpose of this research is to analyze the factors that influence the profitability of Islamic BPRs. This type of research uses quantitative research with secondary data taken from the websites of the Financial Services Authority (OJK) and Bank Indonesia (BI). The data taken for the research is in the last three years from 2020-2022 in January-December. The methodology used in this study is the classical assumption test, determination test, F test and T test. The results of this study are the classic assumption test where normality and autocorrelation tests are significant. Meanwhile, in the classic assumption test, which tests the multicollinearity of the FDR and NPF variables, multicollinearity occurs. The autocorrelation test is also free from autocorrelation problems because the value of du < d < 4-du. The results of the determination test and F test are also significant. While the FDR and NPF T tests affect profitability. And the variables CAR, BOPO, Interest Rates, and Inflation have no effect on profitability Keywords: Profitability, interest rates, inflation
PENGARUH PEMBIAYAAN MURABAHAH, MUDHARABAH, MUSYARAKAH TERHADAP ROA DI BANK UMUM SYARIAH Ramadhani, Ivon Novita; Rosyidah, Norma; Hamdan, Ali; Saifuddin, Saifuddin
International Conference on Islamic Studies Vol. 4 No. 2 (2023): December
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/icois.v4i2.254

Abstract

This research has the objective of discussing to find out the impact of murabahah receivables, mudharabah financing, and musyarakah financing on ROA as an asset in return for Islamic Commercial Banks in 2012-2022. This study used a descriptive method with a quantitative approach using the SPPS 26 tool. The research technique used a purposive side. Data taken annually from the Financial Services Authority (OJK) website. Data analysis used multiple linear regression analysis, t test (partial), and F test (simultaneous). The population of this study is all income and ups and downs of financing in the financial statements of Islamic Commercial Banks. While the sample used is in the form of annual financial reports which contain income from murabahah receivables, Mudharabah financing and musyarakah financing at Islamic Commercial Banks in 2014-2022. The results of the (partial) test are that the three variables murabhah, mudharah, and musyarakah have no effect on the ROA variable. Whereas in the F test (simultaneous) of the three variables murabhah, mudharabah, and musyarakah there is no significant effect on the ROA of Islamic Commercial Banks 2014-2022.