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PENGARUH NPF, BOPO DAN FDR TERHADAP RETURN ON ASSETS (ROA) PADA BANK UMUM SYARIAH Dinda Naza Febriani; Gusganda Suria Manda
Jurnal Humaniora : Jurnal Ilmu Sosial, Ekonomi dan Hukum Vol 5, No 1 (2021): April 2021
Publisher : Center for Research and Community Service (LPPM) University of Abulyatama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30601/humaniora.v5i1.1551

Abstract

This study aims to test the influence of Non-Performing Financing (NPF), Operating Costs on Operating Income (BOPO), and Financing to Deposit Ratio (FDR) on Return on Assets (ROA). The results of this study showed that Non-Performing Financing (NPF) and Operating Costs to Operating Income (BOPO) had a significant negative effect on Return on Assets (ROA) while Financing to Deposit Ratio (FDR) had a significant positive effect on Return on Assets (ROA). The predicting ability of the three variables against Return on Assets (ROA) in this study was 96.70%, while the remaining 3.30% was influenced by other factors not included in the research model.Keywords: NPF, BOPO, FDR, ROA
PENGARUH NPF, FDR DAN ROA TERHADAP PEMBIAYAAN BAGI HASIL PADA BANK UMUM SYARIAH Dinda Naza Febriani; Sutan Wirman
IQTISHADUNA Vol. 12 No. 1 (2021): IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam
Publisher : UIN Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (473.637 KB) | DOI: 10.20414/iqtishaduna.v12i1.3054

Abstract

This study aims to test the influence of NPF, FDR, and ROA on Profit Sharing Financing. The population of this research is Sharia Commercial Banks in Indonesia and the sample used is only 3 banks that fit the criteria. The data in this study was taken from the Quarterly Financial Statements of Sharia Commercial Banks for 3 periods, from 2017-2019. The results showed that NPF and ROA had a significant effect on Profit Sharing Financing while FDR did not affect Profit Sharing Financing. The predicting ability of the three variables to The Profit Sharing Financing in this study was 14.70% while the remaining 85.30% was influenced by other factors that were not included in the research model.