@phdthesis{digilib63529,
           month = {January},
           title = {ANALISIS PENGARUH NON PERFORMING FINANCING, FINANCING TO DEPOSIT RATIO DAN BIAYA OPERASIONAL TERHADAP PENDAPATAN OPERASIONAL TERHADAP PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA},
          school = {UIN SUNAN KALIJAGA YOGYAKARTA},
          author = {NIM.: 20108020050 Isa Ary Yatma Abdullah},
            year = {2024},
            note = {Pembimbing: Fitri Zaelina, S.E,I; M.E.K},
        keywords = {Return on Asset (ROA), Capital Adequacy Ratio (CAR), Non Performing Finance (NPF), Financing to Deposit Ratio (FDR)},
             url = {https://digilib.uin-suka.ac.id/id/eprint/63529/},
        abstract = {This study aims to analyze the effect of Non-Performing Financing, Financing To
Deposit Ratio, and Operating Cost to Operating Income on the Profitability of
Islamic Commercial Banks in Indonesia. This study uses nine Islamic banks listed
on the Financial Services Authority website as the object of research this time. This
study uses secondary data accessed from quarterly financial reports for a 5-year
period. The software that the author uses in this research is Stata 14 and Microsoft
Excel. The data analysis technique used in this research is panel data regression.
Non-Performing Financing variable has a significant negative effect on ROA.
Financing To Deposit Ratio variable has a significant positive effect on ROA.
Variable Operating Cost to Operating Income has a significant negative effect on
ROA. Banking management needs to implement a prudent system in channeling so
that it can increase the FDR ratio and reduce the risk of bad credit and streamline
bank operations so as to increase profitability.}
}