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All Journal Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Hayatun Toyibah Masmuna
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Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Peran Pemoderasi NPF dalam Pengaruh Financing Growth dan CAR terhadap Profitability H Hayatun Toyibah Masmuna; Yuliani Yuliani; Kemas Muhammad Husni Thamrin
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 5 No. 6 (2023): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah 
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v5i6.161

Abstract

The aim of the study was to examine the effect of financing growth and Capital Adequacy Ratio (CAR) on profitability with Non Performing Financing (NPF) as moderation with a sample of 6 Islamic commercial banks registered with the Financial Services Authority during the 2011-2020 period. The analysis technique used is Moderated Regression Analysis (MRA). The results showed that financing growth had a positive and significant effect on profitability (ROA and ROE). CAR has a positive and significant effect on profitability (ROA), but not significant on profitability (ROE). In addition, the research results also show that NPF is not able to moderate the effect of financing growth on profitability (ROA and ROE). Conversely, NPF moderates by weakening the effect of CAR on profitability (ROA and ROE). In other words, profitability is expected to decrease because the use of bank capital is not optimal due to the large NPF value. This research contributes to Islamic commercial banks to carry out financing effectiveness and carry out CAR efficiency so that performance can improve financial performance.
Co-Authors Kemas Muhammad Husni Thamrin Yuliani .