ANALISIS PENGARUH NON PERFORMING FINANCING, FINANCING TO DEPOSIT RATIO DAN BIAYA OPERASIONAL TERHADAP PENDAPATAN OPERASIONAL TERHADAP PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA

Isa Ary Yatma Abdullah, NIM.: 20108020050 (2024) ANALISIS PENGARUH NON PERFORMING FINANCING, FINANCING TO DEPOSIT RATIO DAN BIAYA OPERASIONAL TERHADAP PENDAPATAN OPERASIONAL TERHADAP PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA. Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

This study aims to analyze the effect of Non-Performing Financing, Financing To Deposit Ratio, and Operating Cost to Operating Income on the Profitability of Islamic Commercial Banks in Indonesia. This study uses nine Islamic banks listed on the Financial Services Authority website as the object of research this time. This study uses secondary data accessed from quarterly financial reports for a 5-year period. The software that the author uses in this research is Stata 14 and Microsoft Excel. The data analysis technique used in this research is panel data regression. Non-Performing Financing variable has a significant negative effect on ROA. Financing To Deposit Ratio variable has a significant positive effect on ROA. Variable Operating Cost to Operating Income has a significant negative effect on ROA. Banking management needs to implement a prudent system in channeling so that it can increase the FDR ratio and reduce the risk of bad credit and streamline bank operations so as to increase profitability.

Item Type: Thesis (Skripsi)
Additional Information: Pembimbing: Fitri Zaelina, S.E,I; M.E.K
Uncontrolled Keywords: Return on Asset (ROA), Capital Adequacy Ratio (CAR), Non Performing Finance (NPF), Financing to Deposit Ratio (FDR)
Subjects: Bank dan Perbankan
Divisions: Fakultas Ekonomi dan Bisnis Islam > Perbankan Syari'ah (S1)
Depositing User: Muh Khabib, SIP.
Date Deposited: 07 Feb 2024 10:41
Last Modified: 07 Feb 2024 10:41
URI: http://digilib.uin-suka.ac.id/id/eprint/63529

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