Article Per Year (5 Year)
p-Index From 2019 - 2024
2.57
P-Index
This Author published in this journals
All Journal Jurnal Akuntansi dan Pajak ISOQUANT : Jurnal Ekonomi, Manajemen dan Akuntansi International Journal of Economics, Business and Accounting Research (IJEBAR) ASSET: Jurnal Manajemen dan Bisnis Budimas : Jurnal Pengabdian Masyarakat Journal of Islamic Banking Al-Buhuts (e-journal) SENTRI: Jurnal Riset Ilmiah The Academy Of Management and Business (TAMB) Jurnal Ekonomi Syariah
Ika Farida Ulfah
Universitas Muhammadiyah Ponorogo
Religion Aerospace Engineering Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences Other

Published : 16 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search
Journal : Journal of Islamic Banking

 1 
Pengaruh Kecukupan Modal dan Penyaluran Kredit Terhadap Profitabilitas dengan Rasio Kredit Bermasalah Sebagai Variabel Moderating pada Perusahaan Perbankan yang Terdaftar di Bursa Efek Indonesia Alfi Agustin Puspita Dewi; Arif Hartono; Ika Farida Ulfah
Journal of Islamic Banking Vol 2 No 2 (2021): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Al Hikmah Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (421.575 KB)

Abstract

This study aims to determine the effect of capital adequacy and lending on profitability with the ratio of non-performing loans as a moderating variable. This study was conducted on conventional banks listed on the Indonesia Stock Exchange (IDX) for the 2018-2020 period using purposive sampling with several criteria. The number of samples selected were 12 banks with a period of 3 years so that the number of samples was 36 observations. The data analysis technique is Moderated Regression Analysis. The results showed that capital adequacy had no significant effect on profitability. This means that when a bank has large capital but cannot use its capital effectively in order to make a profit, it results in large capital not being able to generate high profitability. Credit distribution has no significant effect on profitability. This shows that the higher the LDR level, the worse the bank's liquidity status, because placements on credit are also financed from third party funds. The high LDR allows banks to refuse to provide loans or in other words banks will limit lending. Non-performing loans are unable to moderate the relationship between capital adequacy and profitability. This means that the increase in NPL is due to an increase in non-performing loans to total loans owned by banks. Banks need to provide adequate capital to cover risks arising from lending. Non-performing loans are not able to moderate the relationship between lending to profitability. An unhealthy LDR level indicates that the amount of credit disbursed exceeds funds from third parties.
Co-Authors Alfi Agustin Puspita Dewi Alvi Nur Aini Ardiana, Titin Eka Ardyan Firdausi Mustoffa Arif Hartono Dwiati Marsiwi Ema Lukyta Rahayu Feby Jatra Yoga Saputra Hielda Faristria Rosa Khusnatul Khusnatul Khusnatul Zulfa Wafirotin Mellyana Noviesta Niken Nastiti Nurul Hidayah Nurul Utami Riska Nurlaila Rizki Novia Pertiwi Sulis Megawati Wijianto Wijianto Wijianto Wijianto Wijianto