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All Journal Akademika: Jurnal Keagamaan dan Pendidikan BASKARA: Journal of Business and Entrepreneurship Bertuah : Jurnal Syariah dan Ekonomi Islam Al-bank: Journal of Islamic Banking and Finance Tasharruf: Journal of Islamic Economics and Business Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan
Nur Azlina
STAIN Bengkalis
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Journal : Al-bank: Journal of Islamic Banking and Finance

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Determinan Profil Risiko Terhadap Performance Bank Pembiayaan Rakyat Syariah Di Provinsi Sumatera Barat Nur Azlina; Husni Shabri; Ibnu Qizam
Al-bank: Journal of Islamic Banking and Finance Vol 3, No 2 (2023): July - Desember 2023
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v3i2.9169

Abstract

This study aims to analyze the effect of risk profile on the performance of Islamic Rural Bank (BPRS) in West Sumatra Province. This type of research is a field research with a quantitative approach. The samples in the study were seven BPRS in West Sumatra Province that have been operating sharia since 2019. Secondary data in the form of annual financial statements of each BPRS for the period 2019-2022. The analysis technique used panel data regression. The results showed that the credit risk profile using the Non Performing Financing ratio and liquidity risk using the Financing to Deposit Ratio partially had no significant effect on the performance of BPRS as measured using the Return on Asset ratio. However, both risk profiles simultaneously have a significant effect on the performance of BPRS with a coefficient of determination of 96%. The practical implication of this research is that credit risk and liquidity risk must be managed simultaneously, including other risks faced by banks because they have a very strong influence on bank performance.
Co-Authors Cholil Nafis HUSNI SHABRI Ibnu Qizam R. Melda Maesarach Said, Muhammad SITI ASIAM