@phdthesis{digilib78078,
           month = {August},
           title = {PENGARUH KECUKUPAN MODAL, LIKUIDITAS, DAN EFISIENSI OPERASIONAL TERHADAP PROFITABILITAS DENGAN RISIKO KREDIT SEBAGAI VARIABEL MODERASI PADA BANK UMUM SYARIAH TAHUN 2018-2024},
          school = {UIN SUNAN KALIJAGA YOGYAKARTA},
          author = {NIM.: 21108040125 Robi Husain Fathdilah},
            year = {2026},
            note = {Egha Ezhar Junaeka Putra Hassany, S.E.I.,M.E.},
        keywords = {Profitabilitas, Kecukupan modal, Likuiditas, Efisiensi Operasional,
Risiko Kredit},
             url = {https://digilib.uin-suka.ac.id/id/eprint/78078/},
        abstract = {This study aims to examine the effect of capital adequacy, liquidity, and
operational efficiency on profitability, with credit risk as a moderating variable, in
Islamic commercial banks from 2018 to 2024. Purposive sampling was used to
obtain 84 samples. The analytical methods used to test the hypotheses were panel
data regression and Moderated Regression Analysis (MRA). The results of this
study indicate that capital adequacy and liquidity have a significant positive effect
on the profitability of Islamic commercial banks in Indonesia, while operational
efficiency has a significant negative effect. Credit risk, as a moderating variable,
can strengthen the effect of capital adequacy on profitability. Credit risk, as a
moderating variable, cannot strengthen or weaken the effect of liquidity and
operational efficiency on profitability. Simultaneously, capital adequacy, liquidity,
and operational efficiency significantly influence the profitability of Islamic
commercial banks in Indonesia.}
}