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        <dc:title>PENGARUH KECUKUPAN MODAL, LIKUIDITAS, DAN EFISIENSI OPERASIONAL TERHADAP PROFITABILITAS DENGAN RISIKO KREDIT SEBAGAI VARIABEL MODERASI PADA BANK UMUM SYARIAH TAHUN 2018-2024</dc:title>
        <dc:creator>Robi Husain Fathdilah, NIM.: 21108040125</dc:creator>
        <dc:subject>657.42 Akuntansi</dc:subject>
        <dc:description>This study aims to examine the effect of capital adequacy, liquidity, and&#13;
operational efficiency on profitability, with credit risk as a moderating variable, in&#13;
Islamic commercial banks from 2018 to 2024. Purposive sampling was used to&#13;
obtain 84 samples. The analytical methods used to test the hypotheses were panel&#13;
data regression and Moderated Regression Analysis (MRA). The results of this&#13;
study indicate that capital adequacy and liquidity have a significant positive effect&#13;
on the profitability of Islamic commercial banks in Indonesia, while operational&#13;
efficiency has a significant negative effect. Credit risk, as a moderating variable,&#13;
can strengthen the effect of capital adequacy on profitability. Credit risk, as a&#13;
moderating variable, cannot strengthen or weaken the effect of liquidity and&#13;
operational efficiency on profitability. Simultaneously, capital adequacy, liquidity,&#13;
and operational efficiency significantly influence the profitability of Islamic&#13;
commercial banks in Indonesia.</dc:description>
        <dc:date>2026-08-19</dc:date>
        <dc:type>Thesis</dc:type>
        <dc:type>NonPeerReviewed</dc:type>
        <dc:format>text</dc:format>
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        <dc:identifier>https://digilib.uin-suka.ac.id/id/eprint/78078/1/21108040125_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf</dc:identifier>
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        <dc:identifier>https://digilib.uin-suka.ac.id/id/eprint/78078/2/21108040125_BAB-II_sampai_SEBELUM-BAB-TERAKHIR.pdf</dc:identifier>
        <dc:identifier>  Robi Husain Fathdilah, NIM.: 21108040125  (2026) PENGARUH KECUKUPAN MODAL, LIKUIDITAS, DAN EFISIENSI OPERASIONAL TERHADAP PROFITABILITAS DENGAN RISIKO KREDIT SEBAGAI VARIABEL MODERASI PADA BANK UMUM SYARIAH TAHUN 2018-2024.  Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.   </dc:identifier></oai_dc:dc>
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