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All Journal Jurnal Ilmiah Wahana Pendidikan Al Itmamiy : Jurnal Hukum Ekonomi Syariah
meisha fatma wijaya
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Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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PENGARUH PEMBIAYAAN MUDHARABAH, MURABAHAH DAN MUSYARAKAH TERHADAP ROA DENGAN NPF SEBAGAI VARIABEL MODERASI PADA BANK UMUM SYARIAH DI INDONESIA PERIODE 2016-2020 meisha fatma wijaya; Siti Alifah Handayani; Tessalonika Federova Br Simanjuntak; Hasyim .
Jurnal Ilmiah Wahana Pendidikan Vol 9 No 11 (2023): Jurnal Ilmiah Wahana Pendidikan
Publisher : Peneliti.net

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.8088371

Abstract

The purpose of this study is to determine the effect of Islamic commercial banks financing mudharabah, murabahah, and musyarakah in Indonesia on ROA from 2016 to 2020. This quantitative research uses secondary data from financial reports published in OJK for the period 2016-2020. The study population consisted of five Islamic Commercial Banks with a total sample of 25. In this study, descriptive statistical tests and panel data regression models were used as data analysis techniques, also Eviews software version 12 was used to analyse the data. The study revealed that mudharabah, murabahah, and musyarakah financing all had an insignificant influence. Through the use of NPF as a moderating variable, murabahah, musyarakah, and mudharabah financing have a significant effect on the ROA variable.
Analisis Pengaruh Faktor Internal Terhadap Profitabilitas Bank Syariah Indonesia (BSI) Periode 2013-2022 Meisha Fatma Wijaya; Tessalonika Federova Br Simanjuntak; Arnol Prabowo Siagian; Adyanto Armando Purba; Rista Y. Lumbangaol; Tiara Posma Udur Hutapea; Ilman Ashari Siregar
Al Itmamiy Jurnal Hukum Ekonomi Syariah (Muamalah) Vol. 5 No. 1 (2023): Al Itmamiy : Jurnal Hukum Ekonomi Syariah
Publisher : Sekolah Tinggi Ilmu Syariah Nurul Qarnain Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (786.107 KB) | DOI: 10.55606/ai.v5i1.316

Abstract

The purpose of this study was to determine the analysis of the influence of internal factors on the profitability of Bank Syariah Indonesia (BSI) for the 2013-2022 period. The internal factors used in this study are Profit Sharing Financing, Financing to Deposit Ratio (FDR), and Operational Cost per Operating Income (BOPO). While the profitability used in this study is Return On Assert (ROA). With Time Series data for the period 2013-2022 analyzed using the Error Correction Model (ECM) as a method to see the results of the analysis of the effect of the independent variables on the dependent variable. This research was initially tested using the Ordinary Least Square (OLS) method to see the long-term effect analysis and used the ECM method to see the short-term effect analysis. The results showed that in the long term Profit Sharing Financing had a negative and significant effect on ROA, FDR had a positive and significant effect on ROA, and BOPO had a negative and significant effect on ROA. Meanwhile, in the short term Profit Sharing Financing has a negative and significant effect, FDR has a positive and insignificant effect, and BOPO has a negative and significant effect.
Co-Authors Adyanto Armando Purba Arnol Prabowo Siagian Hasyim . Ilman Ashari Siregar Rista Y. Lumbangaol Siti Alifah Handayani Tessalonika Federova Br Simanjuntak Tiara Posma Udur Hutapea