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All Journal Jurnal Proaksi JURNAL SeMaRaK Abdi Laksana JURNAL ABDIMAS TRIDHARMA MANAJEMEN Jurnal Lokabmas Kreatif : Loyalitas Kreatifitas Abdi Masyarakat Kreatif Jurnal PADMA: Pengabdian Dharma Masyarakat JURNAL LENTERA AKUNTANSI JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Jurnal Ilmiah Swara MaNajemen (Swara Mahasiswa Manajemen) Jurnal PERKUSI: Pemasaran, Keuangan dan Sumber Daya Manusia Al-Infaq: Jurnal Ekonomi Islam
Waluyo Jati
universitas pamulang
Religion Humanities Computer Science & IT Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Library & Information Science Physics Social Sciences Other

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Journal : Al-Infaq: Jurnal Ekonomi Islam

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DETERMINANT OF BANK MUAMALAT’S PROFITABILITY BASED ON FINANCIAL VARIABLES Rachmawaty Rachmawaty; Panji Irawan; Waluyo Jati
Al-Infaq: Jurnal Ekonomi Islam Al-Infaq: Jurnal Ekonomi Islam, Vol. 14 No.2 (2023)
Publisher : Fakultas Agama Islam Universitas Ibn Khaldun Bogor, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32507/ajei.v14i2.1905

Abstract

Bank Mualamat is Indonesia's first Islamic Bank, founded in 1991. In its journey, Bank Muamalat experienced a crisis, including in 2015-2019, related to the Capital Adequacy Ratio (CAR), which was close to the minimum limit, Non-Performing Financing (NPF), which was high above the industry average Banking and ended with low profitability. This study focuses on determining the financial variables that affect the profitability of Bank Muamalat. The financial variables tested were CAR and Net Income Margin (NIM), Financing to Deposit Ratio (FDR), and NPF to Profitability (ROA) for the 2011-2022 period. The results of this study partially show that CAR and FDR do not affect ROA, but NIM and NPF significantly affect ROA. The research results that the Management of Bank Muamalat must consider are that simultaneously, CAR, NIM, FDR, and NPF affect ROA with a significance value of 0.012 <0.05. Based on the analysis, the coefficient of determination is 89.4%, which means that CAR, NIM, FDR, and NPF have an effect of 89.4% on ROA.
Co-Authors Ade Ratna Sari Ahidin, Udin Ahmad Syukri Akhmad Akbar Amun Soepandi Angga Pratama Anum Nuryani Arif Hidayat Bulan Oktrima Dian Rostikawati Edian Fahmy Eko Sudarso Eti Ariyanti Gitayana Amalia Hendri Prasetyo Iman Syatoto Kasmad Kasmad Muhammad Arief Muliahadi Tumanngor Nurwita Nurwita Panji Irawan Rachmawaty Rachmawaty Rino dedi aringga Senen Senen Suharni Rahayu Sulaiman Sulaiman Tri Wartono Zaenal Muttaqin Abdi Zainal Abidin