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All Journal JURMA : Jurnal Program Mahasiswa Kreatif
Muhammad Habibi Harahap
Universitas Islam Negeri Sumatera Utara
Computer Science & IT Education Languange, Linguistic, Communication & Media Public Health Social Sciences

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Analysis of the Influence of Temporary Syirkah, FDR, and BOPO Funds on Financing Risk and Their Implications on SRB Profitability in Indonesia (2016-2020) Muhammad Habibi Harahap; Fauzi Arif Lubis; Muhammad Syahbudi
Jurma : Jurnal Program Mahasiswa Kreatif Vol 7 No 1 (2023): Juni 2023
Publisher : LPPM UIKA Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/jurma.v7i1.1768

Abstract

This study aims to analyze the effect of Temporary Syirkah Funds (DST), Financing to Deposit Ratio (FDR), and Operational Income Operating Costs (BOPO) on Financing Risk which are calculated directly, and to analyze the effect of DST, FDR, BOPO and Financing Risk on ROA Sharia People's Financing Banks in Indonesia directly and indirectly. The dependent variable in this study is ROA which is a proxy for profitability and financing risk (RP). While the independent variables are DST, FDR, and BOPO. The analytical method used is Path Analysis or path analysis with the help of SPSS version 22. The data used in this research is monthly time series data from January 2016 – 2020. The object of research is Islamic People's Financing Banks in Indonesia. Based on the calculation, the direct effect of DST on ROA is 14.36%. And the direct effect of DST on Financing Risk is 54%.
Co-Authors Arifin Fauzi Lubis Muhammad Syahbudi