  @prefix epid: <http://digilib.uin-suka.ac.id/id/> .
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  @prefix xsd: <http://www.w3.org/2001/XMLSchema#> .
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  @prefix ep: <http://eprints.org/ontology/> .
  @prefix eprel: <http://eprints.org/relation/> .
  @prefix dc: <http://purl.org/dc/elements/1.1/> .
  @prefix bibo: <http://purl.org/ontology/bibo/> .
  @prefix geo: <http://www.w3.org/2003/01/geo/wgs84_pos#> .
  @prefix owl: <http://www.w3.org/2002/07/owl#> .
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  @prefix skos: <http://www.w3.org/2004/02/skos/core#> .
  @prefix foaf: <http://xmlns.com/foaf/0.1/> .
  @prefix rdfs: <http://www.w3.org/2000/01/rdf-schema#> .
  @prefix rdf: <http://www.w3.org/1999/02/22-rdf-syntax-ns#> .
  @prefix dct: <http://purl.org/dc/terms/> .

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<http://digilib.uin-suka.ac.id/id/eprint/78093#authors>
	rdf:_1 <http://digilib.uin-suka.ac.id/id/person/ext-f081accda7b05d015e8054a198996082> .

<http://digilib.uin-suka.ac.id/id/eprint/78093>
	bibo:abstract "The development of Islamic Rural Banks (BPRS) in Indonesia has not yet been fully matched by a rise in stable profitability. This situation also applies to BPRS in Central Java and the Special Region of Yogyakarta (DIY); while they play a crucial role in supporting financing for the public and the MSME sector, they continue to face challenges in maintaining profitability performance. This study aims to analyze the impact of Non-Performing Financing (NPF), the Financing-to-Deposit Ratio (FDR), operational efficiency, total assets, and the number of offices on the profitability of BPRS in Central Java and DIY during the 2021–2024 period. The study employs a quantitative approach using secondary data and panel data regression analysis via Stata 17. The results indicate that, individually, NPF has a negative but insignificant effect, FDR has a positive but insignificant effect, BOPO (operational efficiency ratio) has a significant negative effect, and total assets have a negative but insignificant effect, whereas the number of offices has a significant positive effect on Return on Assets (ROA)."^^xsd:string;
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	bibo:status <http://purl.org/ontology/bibo/status/published>;
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	dct:creator <http://digilib.uin-suka.ac.id/id/person/ext-f081accda7b05d015e8054a198996082>;
	dct:date "2026-08-14";
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	dct:issuer <http://digilib.uin-suka.ac.id/id/org/ext-1ea96a2503a70ef7fcbae7670153192b>,
		<http://digilib.uin-suka.ac.id/id/org/ext-19494ec503dfa5bfdd42e0d48d9b7513>;
	dct:subject <http://digilib.uin-suka.ac.id/id/subject/332.1>;
	dct:title "PENGARUH NON PERFORMING FINANCING, FINANCING TO DEPOSIT RATIO, EFISIENSI OPERASIONAL, TOTAL ASET DAN JUMLAH KANTOR TERHADAP PROFITABILITAS BPRS DI JAWA TENGAH DAN DAERAH ISTIMEWA YOGYAKARTA PERIODE 2021-2024"^^xsd:string;
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		<http://digilib.uin-suka.ac.id/id/document/1072651>,
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	rdfs:seeAlso <https://digilib.uin-suka.ac.id/id/eprint/78093/> .

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	rdf:type skos:Concept;
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