TY  - THES
N1  - Dr. Mukhamad Yazid Afandi, M.Ag.
ID  - digilib72530
UR  - https://digilib.uin-suka.ac.id/id/eprint/72530/
A1  - Anis Sulistiyani, NIM.: 23208011040
Y1  - 2025/08/19/
N2  - 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
PB  - UIN SUNAN KALIJAGA YOGYAKARTA
KW  - Perbankan Islam
KW  -  Profitabilitas
KW  -  Kinerja Perbankan
KW  -  Zakat
M1  - masters
TI  - DETERMINAN PROFITABILITAS PERBANKAN SYARIAH DI NEGARA INDONESIA DAN MALAYSIA PADA PERIODE 2019-2023
AV  - restricted
EP  - 150
ER  -