%0 Thesis
%9 Skripsi
%A Ikmal Nurazis, NIM.: 22108020087
%B FAKULTAS EKONOMI DAN BISNIS ISLAM
%D 2026
%F digilib:76616
%I UIN SUNAN KALIJAGA YOGYAKARTA
%K Profitabilitas, ROA, NPF, CAR, Total Aset, Inflasi, PDRB, BPRS
%P 147
%T PENGARUH FAKTOR INTERNAL DAN EKSTERNAL TERHADAP PROFITABILITAS BANK PEREKONOMIAN RAKYAT SYARIAH (BPRS) DI PULAU JAWA
%U https://digilib.uin-suka.ac.id/id/eprint/76616/
%X This study aims to analyze the effect of internal and external factors on the  profitability of Islamic Rural Banks (BPRS) in Java during the 2020–2024 period.  Profitability is proxied by Return on Assets (ROA), while internal factors include  Non-Performing Financing (NPF), Capital Adequacy Ratio (CAR), and total assets,  and external factors consist of inflation and Gross Regional Domestic Product  (GRDP). This study employs a quantitative approach using panel data regression  analysis with the Random Effect Model (REM). The results indicate that partially,  NPF has a negative effect on profitability, while CAR and total assets show mixed  results. Meanwhile, inflation and GRDP as external factors also demonstrate  inconsistent effects on ROA. Simultaneously, all independent variables are found  to influence the profitability of BPRS. These findings provide an empirical  contribution to the development of Islamic finance research and serve as a basis for  management and regulators in formulating strategies and policies to improve  performance and maintain the stability of Islamic banking, while also enriching the  literature on signaling theory and agency theory in the context of Islamic banking.
%Z Dr. Jeihan Ali Azhar, S.Si., M.E.I.