DETERMINAN PROFITABILITAS PERBANKAN SYARIAH DI NEGARA INDONESIA DAN MALAYSIA PADA PERIODE 2019-2023

Anis Sulistiyani, NIM.: 23208011040 (2025) DETERMINAN PROFITABILITAS PERBANKAN SYARIAH DI NEGARA INDONESIA DAN MALAYSIA PADA PERIODE 2019-2023. Masters thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

This study aims to determine the influence of Non-Performing Financing (NPF), Financing to Deposit Ratio (FDR), Operating Expenses and Operating Income (BOPO), Profit Sharing Ratio (PSR), and Zakat Performing Ratio (ZAK) on profitability, as proxied by ROA, in Indonesia and Malaysia. The analysis technique used E-Views 10 with separate panel data regression. The results of this study indicate that NPF has a significant negative effect on ROA in Islamic banks in Indonesia, and NPF in Islamic banks in Malaysia significantly affects ROA. This means that the higher the problem financing, the lower the bank's profitability. The FDR significantly affects ROA in Islamic banks in Indonesia and Malaysia. The BOPO (Operating Expenses to Deposit) has no significant effect in either country. Meanwhile, the Profit Sharing Ratio (PSR) in each country has no significant effect on ROA. The ZPR significantly affects ROA in Islamic banks in Malaysia, while the ZPR does not affect ROA in Malaysian Islamic banks. This research contributes to policymaking for the development of a more sustainable Islamic financial system. Keywords: PSR, ZPR, ROA, Problematic Financing

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