Factors Affecting the Profitability of Sharia  Banking

Supriadi, Aris; Hasanudin, Agus Ismaya; Uzliawati, Lia; Haerani, Anggi

doi:10.55208/jebe.v15i1.209

Cited by 3 publications

(5 citation statements)

References 9 publications

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“…Most likely because the NPF is too large which causes high FDR but is not able to increase profitability. These results are in accordance with the results of research from Supriadi et al, (2021), Istiqomaha et al, (2021), dan Lohano & Kashif (2019) which found a significant and negative effect between NPF and profitability.…”

Section: Hypothesis Test Resultssupporting

confidence: 92%

“…Bank capital besides functioning as a reserve to cover bank losses, if there is excess capital it can be used to provide financing, so that it has the opportunity to increase profits. The results of research on Islamic banks from previous researchers show that CAR has a positive effect on profitability (Supriadi et al, 2021;Javaid & Alalawi, 2018;and Hossain & Khalid, 2018). Likewise in conventional tanks that CAR has a positive effect on profitability (Durguti et al, 2020;Oleiwi et al, 2019;and Lohano & Kashif, 2019).…”

Section: Capital and Profitabilitymentioning

confidence: 96%

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Islamic Banking Profitability in Indonesia

Sutrisno¹

2023

IJFBS

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The main contribution to the income of Islamic Rural Banks (IRBs) comes from financing provided where there are two financing schemes consisting of profit-sharing financing (musyarakah and mudharabah) and profit margin financing (murabahah). The main purpose of this study is to analyze the financing scheme that affects the bank's profitability. This study will also analyze the effect of Islamic bank performance on profitability. Financial performance that is thought to have an effect on profitability is the capital adequacy ratio (CAR), financing to deposit ratio (FDR), non-performing financing (NPF), operating expense to operating income ratio (OEIR), third-party funds (TPF) and bank size (SIZE). The population in this study were 165 BPRS in Indonesia with a sample of 100 BPRS. Observation period for 4 years (2018-2021) with quarterly data. This study uses a panel data regression analysis to test the hypothesis. After being tested with Chow-test and Hausman-test, the best model from panel data regression was the fixed effect model. The results of the research showed that profit-sharing financing (PSF) and SIZE have a positive and significant effect on profitability while profit margin financing (PMF), CAR and FDR have no effect on profitability. On the other hand, financial performance which has a significant negative effect is NPF, OEIR and TPF, while CAR and FDR has a significant positive effect.

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Section: Hypothesis Test Resultssupporting

confidence: 92%

Section: Capital and Profitabilitymentioning

confidence: 96%

Islamic Banking Profitability in Indonesia

Sutrisno¹

2023

IJFBS

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“…The NPF of IRBs is too high, so it far exceeds the maximum NPF requirement of 5%. This high NPF has the potential to reduce profitability [6,21]. The high NPF causes other independent variables to be unable to influence financing.…”

Section: Discussionmentioning

confidence: 99%

Financing Scheme and Determinant Factors

Sutrisno¹

2022

Advances in Economics, Business and Management Research

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This study aims to examine the factors that influence the financing scheme of Islamic Rural Banks (IRBs) in Indonesia. The financing scheme consists of profit margin financing (PMF) and profit-sharing financing (PSF). Factors thought to influence the financing scheme are non-performing financing (NPF), financing to deposit ratio (FDR), capital adequacy ratio (CAR), return on assets (ROA), operating to income ratio (OEIR), and company size (Size). The population in this study was 163 IRBs in Indonesia with a sample of 100 IRBs. The observation period was 4 years, with quarterly data. Hypothesis testing applied multiple regression. The results show that the factors influencing the financing scheme between PMF and PSF are the same, namely, NPF and Size have a significant negative effect, while FDR, CAR, ROA and OEIR have no effect. One variable is OEIR; if the significance level is 10%, then OEIR has a significant and negative effect on the profit-sharing financing scheme, but the profit-margin financing scheme has no effect.

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“…Dalam hal ini, apabila bank mampu memenuhi kewajiban jangka pendek dan apabila bank mampu menyediakan modal pinjaman kepada masyarakat yang cukup besar maka akan meningkatkan image bank dan mendapatkan kepercayaan masyarakat Operating Costs and Operating Income (BOPO) Efisiensi operasional atau BOPO pada dasarnya mempengaruhi kinerja bank, yaitu untuk menunjukkan apakah bank telah menggunakan faktor produksi secara keseluruhan sudah tepat. (Supriadi et al, 2021) Menurut (Sitompul & Nasution, 2019), untuk menunjukkan efisiensi suatu bank adalah dengan menentukan besarnya BOPO, maka harus diketahui biayanya operasi dan pendapatan operasi terlebih dahulu. Lebih Semakin kecil BOPO maka semakin baik karena bank tersebut memiliki tingkat yang tinggi efisiensi yang sangat baik.…”

Section: Tinjauan Teoritisunclassified

“…(Anwar & Arianta, 2019) (Dewi & Bawono, 2022) (Barizi et al, 2021) (Retnowati & Jayanto, 2020) (Afandy et al, 2021) (Wahyuningsih dkk, 2017) Populasi dalam penelitian ini adalah 11 Bank Umum Syariah (BUS) yang telah membuat laporan keuangan tahunan dari tahun 2013 sampai dengan tahun 2021 yang telah dilaporkan dalam laporan publikasi Bank Indonesia melalui website www.ojk.go.id. Dalam penelitian ini tidak menggunakan sampel, melainkan menggunakan populasi karena semua data dalam penelitian ini merupakan data populasi yang berupa data sekunder; (Supriadi et al, 2021) (Fitriana & Musdholifah, 2017).…”

Section: Metode Penelitianunclassified

Determinan Profitabilitas dengan Pembiayaan Bermasalah Sebagai Variabel Moderasi di Perbankan Syariah Indonesia

Suaeb,

Al Fajar

2023

Jesa j. ekon. syariah

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Menganalisis pengaruh CAR, DPK, Likuiditas, FDR, BOPO, terhadap Profitabilitas dan variabel moderasi yaitu NPF. Dengan penelitian kuantitatif. Populasi dalam penelitian ini adalah 11 populasi pada Bank Umum Syariah (BUS) yang telah menyusun laporan keuangan tahunan tahun 2013 – 2021. Denggan sekunder tahun 2013-2023. Teknik analisis data yang digunakan berupa adalah uji statistik deskriptif. Kemudian dilakukan uji asumsi klasik dan uji hipotesis, untuk mengetahui hasil moderasi menggunakan uji MRA. menggunakan Eviews V.10 Hasil penelitian menunjukkan bahwa variabel CAR dan Likuiditas tidak berpengaruh terhadap Profitabilitas. Sedangkan variabel DPK, FDR dan BOPO berpengaruh positif terhadap profitabilitas. Variabel NPF tidak dapat memoderasi CAR dan FDR terhadap Profitabilitas. Sedangkan DPK dan BOPO dapat dimoderasi oleh NPF. Keywords: Profitability, NPF, dan Perbankan Syariah

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Factors Affecting the Profitability of Sharia Banking

Cited by 3 publications

References 9 publications

Islamic Banking Profitability in Indonesia

Islamic Banking Profitability in Indonesia

Financing Scheme and Determinant Factors

Determinan Profitabilitas dengan Pembiayaan Bermasalah Sebagai Variabel Moderasi di Perbankan Syariah Indonesia

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