Institutional Repository UIN Sunan Kalijaga YogyakartaPENGARUH FAKTOR INTERNAL DAN EKSTERNAL TERHADAP PROFITABILITAS BANK PEREKONOMIAN RAKYAT SYARIAH (BPRS) DI PULAU JAWANIM.: 22108020087Ikmal NurazisauthorThis 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.332.1 Banks/Bank, Perbankan2026-05-13UIN SUNAN KALIJAGA YOGYAKARTA;FAKULTAS EKONOMI DAN BISNIS ISLAMThesis

For work being deposited by its own author: In self-archiving this collection of files and associated bibliographic metadata, I grant Institutional Repository UIN Sunan Kalijaga Yogyakarta the right to store them and to make them permanently available publicly for free on-line. I declare that this material is my own intellectual property and I understand that Institutional Repository UIN Sunan Kalijaga Yogyakarta does not assume any responsibility if there is any breach of copyright in distributing these files or metadata. (All authors are urged to prominently assert their copyright on the title page of their work.)

For work being deposited by someone other than its author: I hereby declare that the collection of files and associated bibliographic metadata that I am archiving at Institutional Repository UIN Sunan Kalijaga Yogyakarta) is in the public domain. If this is not the case, I accept full responsibility for any breach of copyright that distributing these files or metadata may entail.

Clicking on the deposit button indicates your agreement to these terms.