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Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman
Published by Institut Agama Islam Negeri Padangsidimpuan
ISSN : 23564628     EISSN : 25798650     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman is a peer-reviewed journal, is an economics publication of original research and writing on islamic economics. The journal aims to provide a forum for scholarly understanding of the field of islamic economics and has an important role in promoting the process that accumulated knowledge, values of islamic, and skills. Scientific manuscript dealing about islamics economics topics are particularly welcome to be submitted. The journal encompasses research articles, original research report, reviews, short communications and scientific commentaries in economics.
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Articles 11 Documents
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Search results for , issue "Vol 8, No 1 (2020)" : 11 Documents clear
Profitability Factors On Bank Muamalat Indonesia M Askari Zakariah; Fitri Kumala Sari; Hamzulyana Hamzulyana
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 8, No 1 (2020)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v8i1.2587

Abstract

AbstractIndonesian crisis on 1998 have affected to Bank condition. Bank Muamalat Indonesia (BMI) have Islamic principle on mechanism process such as profit sharing.  This study aims to determine and analyze how much influence these factors have on Bank Muamalat Indonesia's profitability (ROA). Methodology of research by Multiple linear regression based on open data profitability, factors tested were financing to deposit ratio (FDR), non performing finance (NPF), and operational expenditure on operating income (BOPO). Result showed that formula R square is 0.99, analysis of variance significant, FDR have a positive effect significant to ROA. However, Operational expenditure on operating income (BOPO) have a negative effect significant. Concluded that factor FDR and BOPO have affected profitability on Bank Muamalat Indonesia in 2013-2018. Abstrak Krisis Indonesia pada tahun 1998 telah mempengaruhi kondisi perbankan. Bank Muamalat Indonesia (BMI) salah satu bank yang memiliki prinsip syariah yang dalam operasionalnya menjalankan prinsip bagi hasil. Penelitian ini bertujuan untuk mengetahui dan menganalisis seberapa besar pengaruh variabel bebas terhadap profitabilitas Bank Muamalat Indonesia (ROA). Metodologi penelitian dengan Regresi Linier Berganda. Faktor yang diuji adalah rasio pembiayaan terhadap deposito (FDR), keuangan bermasalah (NPF), dan pengeluaran operasional untuk pendapatan operasional (BOPO). Hasil penelitian menunjukkan bahwa R square adalah 0,99. FDR berpengaruh positif dan signifikan terhadap ROA. Namun, biaya operasional pendapatan operasional (BOPO) berpengaruh negatif dan signifikan. Disimpulkan bahwa faktor FDR dan BOPO mempengaruhi profitabilitas pada Bank Muamalat Indonesia pada tahun 2013-2018.

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