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All Journal Journal of Artificial Intelligence and Digital Business Jurnal Intelek Dan Cendikiawan Nusantara
Rianita, Gustin
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Computer Science & IT Economics, Econometrics & Finance Electrical & Electronics Engineering Engineering Other

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Pengaruh ROA, ROE, NIM Terhadap Profitabilitas Bank Mega Syariah Salsabilla, Farah; Rianita, Gustin; Paramitha, Dea Riyanti
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 2 (2025): Mei - Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i2.583

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Return on Assets (ROA), Return on Equity (ROE), dan Net Interest Margin (NIM) terhadap profitabilitas (Net Profit Margin) Bank Mega Syariah selama periode 2020–2024. Data sekunder yang digunakan berupa laporan keuangan tahunan Bank Mega Syariah, dianalisis menggunakan regresi linier berganda setelah memenuhi uji asumsi klasik (normalitas, multikolinearitas, heteroskedastisitas, dan autokorelasi). Hasil uji F menunjukkan F‑statistic sebesar 4,875789 dengan p‑value 0,047572, yang berarti secara simultan ketiga variabel independen berpengaruh signifikan terhadap profitabilitas. Koefisien determinasi (R²) sebesar 0,709124 (Adjusted R² = 0,563686) mengindikasikan bahwa 70,91% variasi profitabilitas dapat dijelaskan oleh ROA, ROE, dan NIM, sedangkan sisanya dipengaruhi oleh faktor lain diluar model. Meskipun demikian, uji t parsial menunjukkan bahwa ROA (p‑value = 0,1982), ROE (p‑value = 0,8415), dan NIM (p‑value = 0,1845) tidak signifikan secara individual, mengindikasikan perlunya tinjauan lebih lanjut terhadap spesifikasi model atau penambahan variabel eksternal. Implikasi penelitian ini menegaskan pentingnya efisiensi aset, pengelolaan ekuitas, dan struktur margin pendapatan dalam meningkatkan kinerja keuangan bank syariah, serta rekomendasi untuk memperluas sampel observasi dan mengeksplorasi determinan profitabilitas lainnya
ANALISIS MANFAAT PENGGUNAAN MOBILE BANKING SEBAGAI ALAT PEMBAYARAN DIGITAL Rianita, Gustin; Fasa, Muhammad Iqbal
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 1 No. 5 (2024): OKTOBER-NOVEMBER 2024
Publisher : PT. Intelek Cendikiawan Nusantara

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Abstract

Mobile banking is a service provided by banks to assist customers in transaction activities via cell phone. There are still many customers who still don't understand how to use this application and how its benefits and effects are in the current era. The aim of this research is to understand the extent of the benefits and influence of technology in transactions, especially using mobile banking, among Indonesian people. As well as seeing the extent to which digital payment tools can influence the way of transactions among the public. The research uses qualitative methods and a descriptive approach. The results of the research show that the benefits of using mobile banking are felt by the public, one of which is carrying out transaction activities.
Co-Authors Muhammad Iqbal Fasa Paramitha, Dea Riyanti Salsabilla, Farah