Pengaruh Non Performing Financing, Capital Adequacy Ratio dan Bopo terhadap Profitabilitas Bank Syariah di Indonesia
DOI:
https://doi.org/10.15642/oje.2021.6.1.19-28Keywords:
NPF, CAR, BOPO, ROAAbstract
This study aims to examine the effect of Non-Performing Financing (NPF), Capital Adequacy Ratio (CAR), and Operating Costs per Operating Income (BOPO) on Return On Assets (ROA). Non-Performing Financing (NPF), Capital Adequacy Ratio (CAR) and Operating Costs per Operating Income (BOPO) have an effect on Return On Assets (ROA). Partially, Capital Adequacy Ratio (CAR) has no effect on Return On Assets (ROA) and vice versa Non-Performing Financing (NPF) and Operating Costs per Operating Income (BOPO) affect Return On Assets (ROA).
Downloads
References
Afkar, T. (2017). Influence Analysis of Mudharabah Financing and Qardh Financing To the Profitability of Islamic Banking in Indonesia. AJIE-Asian Journal of Innovation and Entrepreneurship, 02(03), 2477–3824.
Afkar, T., Chandrarin, G., & Pirmaningsih, L. (2020). Moderation of Non Performing Financing on Natural Uncertainty Contracts To The Profitability of Islamic Commercial Bank In Indonesia. International Journal of Economics, Business and Accounting Research (IJEBAR), 4(02), 330–339. https://doi.org/10.29040/ijebar.v4i02.1051
Al Zaidanin, J. S., & Al Zaidanin, O. J. (2021). The impact of credit risk management on the financial performance of United Arab Emirates commercial banks. International Journal of Research in Business and Social Science (2147- 4478), 10(3), 303–319. https://doi.org/10.20525/ijrbs.v10i3.1102
Alsyahrin, D. P., Dorkas, A., Atahau, R., & Robiyanto, R. (2018). The effect of liquidity risk , financing risk , and operational risk toward Indonesian Sharia B ank ’ s financing with bank size as a moderating variable. 21(2), 241–249. https://doi.org/10.14414/jebav.v21i2.1181
Chabachib, M., Hersugondo, H., Septiviardi, D., & Pamungkas, I. D. (2020). The effect of investment opportunity set and company growth on firm value: Capital structure as an intervening variable. International Journal of Innovation, Creativity and Change, 12(11), 139–156.
Chabachib, M., Windriya, A., Robiyanto, R., & Hersugondo, H. (2019). A comparative study of Indonesian and Malaysian Islamic banks. Banks and Bank Systems, 14(4), 55–68. https://doi.org/10.21511/bbs.14(4).2019.06
Demsetz, R. S., Saidenberg, M. R., & Strahan, P. E. (2011). Agency Problems and Risk Taking At Banks. SSRN Electronic Journal. https://doi.org/10.2139/ssrn.943507
Hakim, L., & Martono, M. (2019). Fundamental Role of Macro and Microeconomics To Profitability and the Implications on Stock Return: Evidence From Banking Companies on the Indonesia Stock Exchange. International Journal of Economics and Financial Issues, 9(6), 84–93. https://doi.org/10.32479/ijefi.8827
Handayani, E., Rahmawati, A., Tubastuvi, N., & Hapsari, I. (2021). Performance analysis of sharia commercial banks in Indonesia before the covid pandemic period (2015-2019). International Journal of Research in Business and Social Science (2147- 4478), 10(2), 228–237. https://doi.org/10.20525/ijrbs.v10i2.1010
IFC. (2021). Islamic Finance Outlook 2021 (Vol. 3, Issue January).
IFCI. (2020). Islamic Finance Country Index (Issue 5). https://www.gifr.net/publications/gifr2020/ifci.pdf
Ikhsan, A., Khadafi, M., Noch, M., Paramitha, A., & Albra, W. (2019). The Effect of Capital Adequacy Ratio, Financing to Deposit Ratio, Non Performing Financing, Operating Expenses, Operating Income and Good Corporate Governance towards the Profitability of Islamic Banking Listed in Bank of Indonesia. Proceedings of the 1st International Conference on Finance Economics and Business, ICOFEB 2018; https://doi.org/10.4108/eai.12-11-2018.2288834
Karamoy, H., & Tulung, J. E. (2020). The impact of banking risk on regional development banks in Indonesia. Banks and Bank Systems, 15(2), 130–137. https://doi.org/10.21511/bbs.15(2).2020.12
Khalifaturofi’ah, S. O. (2021). Cost efficiency, innovation and financial performance of banks in Indonesia. Journal of Economic and Administrative Sciences, ahead-of-p(ahead-of-print). https://doi.org/10.1108/jeas-07-2020-0124
Liaqat, A., & Dhiman, S. (2015). impact of credit risk management on profitability in commercial banks in Sri Lanka. 4th SRS-FIN, 8(2), 36.
Liu, J., & Pariyaprasert, W. (2011). Determinants of Bank Performance?: The Application of the CAMEL Model to Banks Listed in China ’ s Stock Exchanges from 2008 to 2011. AU-GSB e-Journal, 80–95.
Muhammad, R., Suluki, A., & Nugraheni, P. (2020). Internal factors and non-performing financing in Indonesian Islamic rural banks. Cogent Business and Management, 7(1), 1–13. https://doi.org/10.1080/23311975.2020.1823583
Nazir, N., Marzuki, M., Ramadhaniati, S., Khadafi, M., Albra, W., & Husaini, H. (2019). Determinants Profitability of Islamic Banks in Indonesia. Proceedings of the 1st International Conference on Finance Economics and Business, ICOFEB 2018; https://doi.org/10.4108/eai.12-11-2018.2288851
Nugrohowati, R. N. I., & Bimo, S. (2019). Analisis Pengaruh Faktor Internal Bank dan Eksternal Terhadap Non-Performing Financing (NPF) Pada Bank Perkreditan Rakyat Syariah di Indonesia. Jurnal Ekonomi & Keuangan Islam, 5(1), 42–49. https://doi.org/10.20885/jeki.vol5.iss1.art6
Nurvazly, D. E., Muharramah, U., Zakaria, L., Chasanah, S. L., & Ferdias, P. (2021). Quantitative Method for Analysis of Non-Performing Financing Return: A Case Study on Assets of PT. BSM. Journal of Physics: Conference Series, 1751(1), 1–12. https://doi.org/10.1088/1742-6596/1751/1/012018
Said, M., & Ali, H. (2016). An analysis on the factors affecting profitability level of Sharia banking in Indonesia. Banks and Bank Systems, 11(3), 28–36. https://doi.org/10.21511/bbs.11(3).2016.03
Sukmana, R., & Febriyati, N. A. (2016). Islamic banks vs conventional banks in Indonesia: An analysis on financial performances. Jurnal Pengurusan, 47, 81–90. https://doi.org/10.17576/pengurusan-2016-47-07
Widajatun, V. W., & Ichsani, S. (2019). The Impact of Credit, Liquidity, Operational and Market Risks on Return on Asset. Global Business and Management Research, 11(1), 335–340. https://search.proquest.com/docview/2236129694?accountid=17242
Yusuf, M., & Surjaatmadja, S. (2018). Analysis of Financial Performance on Profitability with Non Performance Financing as Variable Moderation (Study at Sharia Commercial Bank in Indonesia Period 2012-2016). International Journal of Economics and Financial Issues, 8(4), 126–132. http:www.econjournals.com
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2021 Anita Roosmawarni
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
