Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal Jurnal Ilmiah Ekonomi Islam
Puteri Pekerti Wulandari
Unknown Affiliation
Economics, Econometrics & Finance Social Sciences

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
Faktor-Faktor Penentu Kinerja Keuangan Bank Syariah di Indonesia: Peran Pembiayaan, Pembiayaan Bermasalah, dan Pertumbuhan Aset Puteri Pekerti Wulandari; Indraswari, Violeta Mardlatillah Romadoni Nur; Fauzan, Muhammad
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 1 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i1.19467

Abstract

This study aims to analyze the factors that influence the financial performance of Bank Syariah Indonesia (BSI) by emphasizing the role of financing as the main indicator of intermediary activities in Islamic banking. Unlike previous studies that simultaneously included third-party funds (DPK) and financing as explanatory variables, this research avoids potential multicollinearity by using financing, non-performing financing (NPF), and asset growth as the independent variables. The data used in this study are quarterly data covering the period from 2021 to 2025. The data are analyzed using multiple linear regression with the Ordinary Least Squares (OLS) method. The results of the analysis indicate that financing, NPF, and asset growth simultaneously have a significant effect on the financial performance of BSI. Partially, financing has a positive and significant effect on financial performance, while NPF shows a negative relationship consistent with theoretical expectations, although it is not statistically significant. Asset growth does not demonstrate a significant effect on financial performance. These findings highlight that the quality of financing and effective risk management are key factors in maintaining the profitability of Islamic banks.
Co-Authors Indraswari, Violeta Mardlatillah Romadoni Nur Muhammad fauzan