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All Journal Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) BISNIS: Jurnal Bisnis dan Manajemen Islam Media Trend: Berkala Kajian Ekonomi dan Studi Pembangunan Jurnal Ilmiah Ekonomi Islam Jurnal Ekonomi & Keuangan Islam Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman International Journal of Economics, Business and Accounting Research (IJEBAR) Asy Syar'iyyah: Jurnal Ilmu Syari'ah dan Perbankan Islam Finansha: Journal of Sharia Financial Management JURNAL ILMIAH GLOBAL EDUCATION Share: Jurnal Ekonomi dan Keuangan Islam Al-Buhuts (e-journal) Journal of Principles Management and Bussines Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman
Ajuna, Luqmanul Hakiem
IAIN Sultan Amai Gorontalo
Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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Journal : Journal of Principles Management and Bussines

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Maximizing Returns: The Impact of Key Ratios on Bank Mega Syariah's ROA Najib, Intan Permatasari; Ajuna, Luqmanul Hakiem; Rusdi, Wahyudi; Kadim, Immawan Muhajir
Journal of Principles Management and Business Vol. 3 No. 02 (2024): October 2024
Publisher : Scimadly Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55657/jpmb.v3i02.184

Abstract

This study investigates the factors influencing Return on Assets (ROA) at PT. Bank Mega Syariah, focusing on Non-Performing Financing (NPF), Financing to Deposit Ratio (FDR), and Operating Costs to Operating Income (BOPO). The research utilizes quarterly financial reports from PT. Bank Mega Syariah for the 2016–2023 period and applies a quantitative research approach. Data analysis includes classical assumption testing, multiple linear regression analysis, and hypothesis testing. The classical assumption test confirms that the data meets the requirements for multiple linear regression modeling. The hypothesis testing reveals that NPF has a significant positive effect on ROA, with a p-value of 0.007 (< 0.05) and a t-value of 2.894. Conversely, FDR, with a p-value of 0.308 (> 0.05) and a t-value of 1.038, shows no significant effect on ROA despite its positive direction. BOPO demonstrates a significant negative effect on ROA, with a p-value of 0.000 (< 0.05) and a t-value of -5.374. Additionally, the F-test results indicate a significant simultaneous effect of NPF, FDR, and BOPO on ROA, with a p-value of 0.000 (< 0.05). These findings highlight the importance of efficient cost management and asset quality in enhancing profitability, while FDR requires further exploration for its potential role in financial performance.
Co-Authors A. Mokoagow Abdul Latif Abdul Latif Alfitra Paputungan Ansar Sahabi Aris Setiawan Karim Dukalang, Hendra Kadim, Immawan Muhajir Moh. Akbar Ibrahim Muhamad Ichksanul Muhammad Amri Muhammad Amri Muhammad Ardi Muhammad Ardi, Muhammad Muhammad Nur Najib, Intan Permatasari Nurain Kude Rahmat Labatjo Riya Andriyani Ahmad Roni Mohamad Rusdi, Wahyudi Sahabi, Ansar Silvana Masita Lestari Spandi Rauf Sri Dewi Yusuf Syawaluddin Syawaluddin Tenti Dehi Vany Rolliyta Ansir