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All Journal Istismar : Jurnal Kajian dan Penelitian Ekonomi dan Bisnis Islam TIJAROTANA : Jurnal Ekonomi dan Bisnis Syariah
safira, anggun
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Religion Economics, Econometrics & Finance Social Sciences

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PENGARUH BOPO DAN NPF TERHADAP PROFITABILITY (ROA) DI PERBANKAN SYARIAH INDONESIA: BOPO, NPF, profitabilitas, Bank Syariah safira, anggun; Sopingi, Imam; Anita Musfiroh
TIJAROTANA : Jurnal Ekonomi Dan Bisnis Syariah Vol 5 No 01 (2024): Tijatorana : Jurnal Ekonomi dan Bisnis
Publisher : TIJAROTANA : Jurnal Ekonomi dan Bisnis Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64454/tj.v5i01.62

Abstract

Abstract : Penelitian ini bertujuan untuk mengukur pengaruh Biaya Operasional terhadap Pendapatan Operasional (BOPO) dan Non-Performing Financing (NPF) terhadap profitabilitas Bank Syariah Indonesia. Profitabilitas diukur menggunakan Return on Assets (ROA) sebagai indikator kinerja keuangan bank. Data yang digunakan dalam penelitian ini merupakan data sekunder yang diperoleh dari laporan keuangan Bank Syariah Indonesia selama 6 periode dari tahun 2016 sampai 2024. Penelitian ini menggunakan pendekatan kuantitatif dengan metode deskriptif. Dan untuk mengetahui sejauh mana BOPO dan NPF mempengaruhi ROA peneliti menggunakan analisis regresi linier berganda melalui alat analisis progam SPSS. Hasil penelitian menunjukkan bahwa Variabel NPF memiliki pengaruh signifikan negatif terhadap ROA, yang berarti semakin tinggi NPF, semakin rendah profitabilitas bank, semantara itu, BOPO tidak berpengaruh signifikan terhadap ROA, yang berarti semakin tinggi BOPO tidak ada pengaruh pada profitabilitas bank. Temuan ini menunjukkan betapa pentingnya meningkatkan kinerja keuangan Bank Syariah Indonesia melalui efisiensi operasional dan pengelolaan risiko pembiayaan. Kata kunci: BOPO, NPF, profitabilitas, Bank Syariah Abstract: This study aims to measure the effect of Operating Costs on Operating Income (BOPO) and Non-Performing Financing (NPF) on the profitability of Bank Syariah Indonesia. Profitability is measured using Return on Assets (ROA) as an indicator of the bank's financial performance. The data used in this study are secondary data obtained from the financial statements of Bank Syariah Indonesia for 6 periods from 2016 to 2024. This study uses a quantitative approach with a descriptive method. And to find out the extent to which BOPO and NPF affect ROA, researchers use multiple linear regression analysis through the SPSS program analysis tool. The results of the study indicate that the NPF variable has a significant negative effect on ROA, which means that the higher the NPF, the lower the bank's profitability, meanwhile, BOPO does not have a significant effect on ROA, which means that the higher the BOPO has no effect on bank profitability. These findings show how important it is to improve the financial performance of Bank Syariah Indonesia through operational efficiency and financing risk management. Keywords: BOPO, NPF, profitabilitas, Bank Syariah
PENGARUH RELIGIUSITAS DAN PENGETAHUAN PRODUK HALAL TERHADAP KEPUTUSAN PEMBELIAN Safira, Anggun; Haryanti, Peni
ISTISMAR Vol. 8 No. 1 (2025): Juni
Publisher : LPPM Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/istismar.v8i1.5916

Abstract

Abstrak: Penelitian ini bertujuan untuk menguji pengaruh religiusitas dan pengetahuan halal terhadap keputusan pembelian dengan sertifikasi halal sebagai mediasi. Penelitian ini menggunakan metode kuantitatif, yang dikumpulkan melalui kuesioner kepada 100 mahasiswa aktif UNHASY dengan kriteria tertentu. Penelitian ini menggunakan analisis Partial Least Square-Structural Equation Modeling (PLS-SEM), yang didukung oleh SmartPLS application versi 3.0. Serta menggunakan model pengujian outer dan inner model. Hasil penelitian ini menunjukkan religiusitas tidak berpengaruh terhadap produk tersertifikasi halal, Namun, pengetahuan produk halal berpengaruh terhadap produk tersertifikasi halal. Produk tersertifikat halal juga memengaruhi keputusan pembelian secara langsung. Produk tersertifikasi halal tidak bisa menjadi perantara religiusitas terhadap keputusan pembelian. Tetapi produk tersertifikat halal mampu memediasi pengetahuan produk halal terhadap keputusan pembelian. Abstract: This study uses halal certification as a mediator to investigate how religiosity and halal knowledge affect purchase decisions. This study employs a quantitative approach, gathering data from 100 current UNHASY students who meet specific requirements via a questionnaire. The SmartPLS application version 3.0 supports the Partial Least Square-Structural Equation Modeling (PLS-SEM) analysis used in this work. as well as evaluating the inner and outside models. The study's findings show that while halal product knowledge has an impact on halal-certified items, religiosity has no effect on them. Purchase decisions are also directly impacted by halal-certified goods. Products with halal certification cannot influence religious beliefs when making judgments about what to buy. However, halal-certified goods can influence consumers' decisions to buy by mediating halal product information.
CONNECTION RELATIONSHIP SEBAGAI MEDIASI PENGARUH MODAL TERHADAP KEWIRAUSAHAAN MAHASISWA arsyad, dani; Safira, Anggun; Sopingi, Imam; Musfiroh, Anita
TIJAROTANA : Jurnal Ekonomi Dan Bisnis Syariah Vol 6 No 01 (2025): Tijatorana : Jurnal Ekonomi dan Bisnis
Publisher : TIJAROTANA : Jurnal Ekonomi dan Bisnis Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64454/tj.v6i01.77

Abstract

This study examines the role of connection relationships as a mediating variable in the influence of capital on student entrepreneurship. The capital in question includes financial and social capital, where social relationships function as a bridge to access opportunities and resources that support entrepreneurship. With a quantitative approach through a survey of student entrepreneurs, the results show that connection relationships strengthen the influence of capital on entrepreneurial development. This finding emphasizes the importance of social networks in facilitating the success of student entrepreneurship. This study aims to analyze the role of connection relationships as a mediator of the influence of capital on student entrepreneurship. Entrepreneurship among students is an important issue in the development of the creative economy, where capital plays a major role in influencing business success. However, in addition to financial capital, the connections owned by students also have great potential to support the development of their businesses. This study uses a quantitative approach by collecting data through a survey of students involved in entrepreneurial activities. The results of the analysis show that capital, both financial and social, has a significant influence on student entrepreneurship. In addition, connection relationships have been shown to mediate the influence of capital on the development of student businesses. These findings indicate that strengthening social networks and business relationships can increase the effectiveness of capital use in entrepreneurship.
Co-Authors Anita Musfiroh arsyad, dani Haryanti, Peni Imam Sopingi Musfiroh, Anita