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All Journal Al-Qashdu: Jurnal Ekonomi dan Keuangan Syariah Jurnal Akuntansi, Keuangan dan Audit (JAKA) Jurnal Perbankan Syariah
Rusman Azizoma
Universitas Islam Negeri Mataram
Economics, Econometrics & Finance

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PENGARUH PERMODALAN RENTABILITAS DAN LIKUIDITAS TERHADAP KINERJA KEUANGAN PADA BANK PANIN DUBAI SYARIAH PERIODE 2018-2020 Rusman Azizoma; Urwatun Usko
Al-Qashdu : Jurnal Ekonomi dan Keuangan Syariah Vol 3, No 1 (2023)
Publisher : Institut Agama Islam Negeri (IAIN) Ternate

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46339/al-qashdu.v3i1.929

Abstract

This study aimed to determine the effect of Capital Adequacy Ratio (CAR), Operating Expense to Operating Income (BOPO), and Financing to Deposit Ratio (FDR) on Return on Assets at Sharia Panin Dubai Bank from 2018-2020. This is quantitative research gathered data from secondary data where the population was the financial report uploaded on the official website of the bank. The analytical technique used is an associative analysis using the Partial Least Square 3.0 (PLS) application. The findings showed that the Capital Adequacy Ratio partially negatively and insignificantly affected the Return on Assets, Financing to Deposit Ratio partially positively and insignificantly affected the Return on Assets, and Operating Expense to Operating Income partially positively and significantly affected the Return on Assets.Keywords: Capital Adequacy Ratio (CAR); Operating Expense to Operating Income (BOPO); Financing to Deposit Ratio (FDR);  Return on Assets (RoA)
PENGARUH TOTAL ASET DAN FINANCING TO DEPOSIT RATIO (FDR) TERHADAP RETURN ON ASSET (ROA) BANK UMUM SYARIAH DI INDONESIA PERIODE 2018- 2022 Rusman Azizoma; Agnes K. B. Mudamakin; Laela Sania
JAKA - Jurnal Jurusan Akuntasi Vol 8 No 1 (2023): Jurnal Akuntansi, Keuangan dan Audit (JAKA)
Publisher : P3M- Politeknik Negeri Kupang

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Abstract

This study aims to determine the effect of Total Assets and FDR on the ROA of Islamic Commercial Banks for the 2018-2022 period. This study uses a quantitative research method with the population in this study being all 15 Islamic Commercial Banks in Indonesia. The total sample is 54 which consists of the financial statements of Islamic Commercial Banks for 2018- 2022. The sample selection technique uses purposive sampling method. The data analysis technique used in this study is multiple linear regression. The classic assumption test technique consists of descriptive statistics, normality test, multicollinearity test, and heteroscedasticity test. Then the hypothesis test consists of the coefficient of determination, the T test to test partially, and the F test to test between variables together. The results of this study are that the Total Asset variable has a significant effect on Return On Assets (ROA) in Islamic Commercial Banks. Then the FDR variable states that the Financing To Deposit Ratio (FDR) has a positive and significant effect on the ROA of Islamic Commercial Banks. And the results of the simultaneous test state that the independent variables (Total Assets and FDR) simultaneously (together) affect the dependent variable where the dependent variable in this study is (Return On Assets).
Analisis Pengaruh Dana Pihak Ketiga Dan Pembiayaan Terhadap Likuiditas Bank NTB Syariah Alda Fitriani; Rusman Azizoma
Jurnal Perbankan Syariah Vol. 1 No. 2 (2022): Jurnal Perbankan Syariah
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jps.v1i2.6213

Abstract

This study aims to determine the effect of financing and third party funds on the Liquidity of Sharia NTB Bank. This type of research is quantitative research using secondary data from the financial statements of Sharia NTB Bank and analyzed and processed using SPSS. After the tests carried out by the researchers, the results showed that individually Third Party Funds had a significant positive effect on the Liquidity of Sharia NTB Bank and Financing also had a significant influence but had the opposite direction (Negative) on the Liquidity of Sharia NTB Bank. Meanwhile, simultaneously Third Party Funds and Financing together have a significant effect on the Liquidity of Sharia NTB Bank. This study provides significant academic contributions by offering empirical insights into the liquidity management of Islamic banks, specifically within Sharia NTB Bank.
Co-Authors Agnes K. B. Mudamakin Alda Fitriani Laela Sania Urwatun Usko