%0 Thesis
%9 Masters
%A Anis Sulistiyani, NIM.: 23208011040
%B FAKULTAS EKONOMI DAN BISNIS ISLAM
%D 2025
%F digilib:72530
%I UIN SUNAN KALIJAGA YOGYAKARTA
%K Perbankan Islam, Profitabilitas, Kinerja Perbankan, Zakat
%P 150
%T DETERMINAN PROFITABILITAS PERBANKAN SYARIAH DI NEGARA INDONESIA DAN MALAYSIA PADA PERIODE 2019-2023
%U https://digilib.uin-suka.ac.id/id/eprint/72530/
%X This study aims to determine the influence of Non-Performing Financing  (NPF), Financing to Deposit Ratio (FDR), Operating Expenses and Operating  Income (BOPO), Profit Sharing Ratio (PSR), and Zakat Performing Ratio (ZAK)  on profitability, as proxied by ROA, in Indonesia and Malaysia. The analysis  technique used E-Views 10 with separate panel data regression. The results of  this study indicate that NPF has a significant negative effect on ROA in Islamic  banks in Indonesia, and NPF in Islamic banks in Malaysia significantly affects  ROA. This means that the higher the problem financing, the lower the bank's  profitability. The FDR significantly affects ROA in Islamic banks in Indonesia and  Malaysia. The BOPO (Operating Expenses to Deposit) has no significant effect in  either country. Meanwhile, the Profit Sharing Ratio (PSR) in each country has no  significant effect on ROA. The ZPR significantly affects ROA in Islamic banks in  Malaysia, while the ZPR does not affect ROA in Malaysian Islamic banks. This  research contributes to policymaking for the development of a more sustainable  Islamic financial system. Keywords: PSR, ZPR, ROA, Problematic Financing
%Z Dr. Mukhamad Yazid Afandi, M.Ag.