eprintid: 24706
rev_number: 7
eprint_status: archive
userid: 3857
dir: disk0/00/02/47/06
datestamp: 2023-04-13 07:53:24
lastmod: 2023-04-13 07:53:24
status_changed: 2023-04-13 07:53:24
type: thesis
metadata_visibility: show
creators_name: Dwi Putri, Nabila
title: Pengaruh Non Performing Financing, Financing To Deposit Ratio dan Biaya Operasional pada Pendapatan Operasional terhadap Return On Assets yang Dimediasi oleh Capital Adequacy Ratio (Studi Kasus Bank Umum Syariah 2018 – 2021)
ispublished: pub
subjects: HG
divisions: Ekonomi_Islam
abstract: Penelitian ini bertujuan untuk mengetahui bagaimana hubungan antara Non Performing Financing, Financing to Deposit Ratio, Biaya Operasional Pendapatan Operasional terhadap Return On Assets apabila melaui Capital Adequacy Ratio sebagai variabel intervening. Dengan dilatar belakangi adanya pandemi Covid-19 yang berdampak pada sektor kesehatan dan perekonomian sehingga mendorong perbankan untuk mengevaluasi kinerja bank dalam menghasilkan profit dan menutupi kerugian yang akan terjadi. Penelitian ini tergolong penelitian kuantitatif dengan menggunakan populasi Bank Umum Syariah yang terdaftar pada Otoritas Jasa Keuangan dan menggunakan purposive sampling dalam pemilihan sampel yang akan diteliti sehingga didapatkan 8 perusahaan. Pada pengolahan dan analisis data, penelitian ini menggunakan software Eviews 10. Hasil penelitian ini menunjukkan bukti bahwa setelah Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), Biaya Operasional Pendapatan Operasional (BOPO), Return On Assets (ROA) dan Capital Adequacy Ratio (CAR) di hitung ke dalam Software Eviews 10, hasil menunjukkan jika berdasarkan persamaan pertama secara parsial, variabel NPF dan FDR tidak berpengaruh dan tidak signifikan terhadap CAR, variabel BOPO berpengaruh negatif dan signifikan terhadap CAR. Secara simultan variabel NPF, FDR, BOPO berpengaruh dan signifikan terhadap CAR. Berdasarkan persamaan kedua secara parsial, variabel NPF, FDR, dan CAR tidak berpengaruh dan tidak signifikan terhadap ROA, sedangkan variabel BOPO berpengaruh negatif signifikan terhadap ROA. pada pengujian Secara simultan variabel NPF, FDR, BOPO, dan CAR berpengaruh dan signifikan terhadap ROA. Berdasarkan uji path analysis, variabel CAR tidak mampu memediasi pengaruh NPF, dan FDR terhadap ROA. namun variabel CAR mampu memediasi pengaruh BOPO terhadap ROA
date: 2022
date_type: completed
full_text_status: public
pages: 36
institution: Universitas Muhammadiyah Prof. DR. HAMKA
department: FEB
thesis_type: bachelor
thesis_name: bphil
referencetext: Febriadi, S. R. (2017). Aplikasi Maqashid Syariah Dalam Bidang Perbankan Syariah. Amwaluna: Jurnal Ekonomi Dan Keuangan Syariah, 1(2), 231–245. https://doi.org/10.29313/amwaluna.v1i2.2585
Nst, M. Z. A., & Nurhayati, N. (2022). Teori Maqashid Al-Syari’Ah Dan Penerapannya Pada Perbankan Syariah. Jesya (Jurnal Ekonomi & Ekonomi Syariah), 5(1), 899–908. https://doi.org/10.36778/jesya.v5i1.629
Rofiqo, A., & Afrianti, N. (2019). The Influence Of Sharia Banking Characteristics And Macroeconomics Factors On Sharia Banking Profitability: Empirical Studies In Indonesia. International Journal of Islamic Business Ethics, 4(1), 540. https://doi.org/10.30659/ijibe.4.1.540-550
Sholikhin, M. Y., Supriani, I., & Amijaya, R. N. F. (2021). Examining The Correlation Between Islamic Banks Profitability And The Business Cycle In Indonesia. International Journal of Islamic Business Ethics, 6(1), 37. https://doi.org/10.30659/ijibe.6.1.37-53
Tisna Amijaya, D., & Siti Komariah. (2020). Multiple Regression : Deteminant On Profitability At Islamic Commercial Banks In Indonesia. Dinasti International Journal of Economics, Finance & Accounting, 1(1), 21–30. https://doi.org/10.38035/dijefa.v1i1.201
Usamah, & Lutfiani, H. (2021). The Moderating Role Of Information Technology In The Performance Of Baitut Tamwil Muhammadiyah In Central Java Indonesia. International Journal of Islamic Business and Economics (IJIBEC), 5(2), 105–115. https://doi.org/10.28918/ijibec.v5i2.3869
Ajayi Samuel Olatayo, Folusho, A. H., Enimola, Joseph, D., Orugun, & Ibidunni, F. (2019). Effect Of Capital Adequacy Ratio (Car) On Profitability Of Deposit Money Banks (Dmb’s): A Study Of Dmb’s With International Operating License In Nigeria. Research Journal of Finance and Accounting,
10(10), 84–91. https://doi.org/10.7176/RJFA/10-10-10
Ichsan, R. N., Suparmin, S., Yusuf, M., Ismal, R., & Sitompul, S. (2021). Determinant Of Sharia Bank’s Financial Performance During The Covid-19 Pandemic. Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences, 4(1), 298–309. https://doi.org/10.33258/birci.v4i1.1594
Masood, O., & Ashraf, M. (2012). Bank-Specific And Macroeconomic Profitability Determinants Of Islamic Banks: The Case Of Different Countries. Qualitative Research in Financial Markets, 4(2–3), 255–268. https://doi.org/10.1108/17554171211252565
Muawanah, E., & Imronudin. (2021). Analysis Of The Effect Of Capital Adequacy Ratio, Non Performing Financing, And Financing to Deposit Ratio On Profitability: A Case Study On Islamic Commercial Banks In Indonesia. Journal of Management and Islamic Finance Volume, 1(1), 32–47.
Mubarokah, N., & Umiyati, U. (2020). Financing Distribution, Financing To Deposit Ratio (Fdr) And Non Performing Financing (Npf) On Profitability Of The Islamic Rural Banks In Banten Province. Jurnal Ekonomi Dan Perbankan Syariah, 8(2), 5–21. https://doi.org/10.46899/jeps.v8i2.197
Nurhasanah, N., & Melzatia, S. (2019). Analysis Of Murabaha Financing From Influence Of Asset, Deposit Fund, And Profitability. Journal of Economics and Business, 2(3). https://doi.org/10.31014/aior.1992.02.03.112
Peling, I. A. A., & Sedana, I. B. P. (2021). The Effect Of Credit Risk And Operational Risk On Profitability With Capital Adequacy Variables As A Mediating Variable: A Study On Indonesian State-Owned Banks For The Period Of 2015-2019. Russian Journal of Agricultural and Socio-Economic Sciences, 115(7), 14–27. https://doi.org/10.18551/rjoas.2021-07.02
Shabani, H., Morina, F., & Misiri, V. (2019). The Effect Of Capital Adequacy On Returns Of Assets Of Commercial Banks In Kosovo. European Journal of Sustainable Development, 8(2), 201–208.
https://doi.org/10.14207/ejsd.2019.v8n2p201
Siddiqui, A. (2008). Financial Contracts, Risk And Performance Of Islamic Banking. Managerial Finance, 34(10), 680–694. https://doi.org/10.1108/03074350810891001
Sitompul, S., & Nasution, S. K. (2019). The Effect of Car, BOPO, NPF, and FDR on Profitability of Sharia Commercial Banks in Indonesia. Budapest International Research and Critics Institute (BIRCI-Journal) : Humanities and Social Sciences, 2(3), 234–238. https://doi.org/10.33258/birci.v2i3.412
Tangngisalu, J., Hasanuddin, R., Hala, Y., Nurlina, N., & Syahrul, S. (2020). Effect of CAR and NPL on ROA: Empirical Study in Indonesia Banks. The Journal of Asian Finance, Economics and Business, 7(6), 9–18. https://doi.org/10.13106/jafeb.2020.vol7.no6.009
Tho’in, M. (2019). Profitability of Islamic Commercial Banks In Indonesia. IQTISHADIA Jurnal Ekonomi & Perbankan Syariah, 6(2), 89–99. https://doi.org/10.19105/iqtishadia.v6i2.2429
Yildirim, H. H., & Ildokuz, B. (2020). Determining the Relationship Between CAMLS Variables and Profitability: An Application on Banks in the BIST Bank Index. In Contemporary Issues in Business Economics and Finance (Vol. 104, pp. 85–103). https://doi.org/10.1108/S1569-375920200000104017
Zarrouk, H., Ben Jedidia, K., & Moualhi, M. (2016). Is Islamic Bank Profitability Driven By Same Forces As Conventional Banks?. International Journal of Islamic and Middle Eastern Finance and Management, 9(1), 46–66. https://doi.org/10.1108/IMEFM-12-2014-0120
Alharbi, A. T. (2017). Determinants of Islamic banks’ profitability: international evidence. International Journal of Islamic and Middle Eastern Finance and Management, 10(3), 331–350. https://doi.org/10.1108/IMEFM-12-2015-0161
Fidanoski, F., Choudhry, M., Davidović, M., & Sergi, B. S. (2018). What Does Affect Profitability Of Banks In Croatia?. Competitiveness Review: An International Business Journal, 28(4), 338–367. https://doi.org/10.1108/CR-09-2016-0058
Handayani, E., Rahmawati, A., Tubastuvi, N., & Hapsari, I. (2021). Performance Analysis Of Sharia Commercial Banks In Indonesia Before The Covid Pandemic Period (2015-2019). International Journal of Research in Business and Social Science (2147- 4478), 10(2), 228–237. https://doi.org/10.20525/ijrbs.v10i2.1010
Ishak, B. P. (2021). Determination Profitability of Islamic Banks with Exchange Rate as Moderating Variable. Journal of Islamic Economics and Social Science (JIESS), 2(1), 24. https://doi.org/10.22441/jiess.2021.v2i1.003
Mohammad Yusuf, & Reza Nurul Ichsan. (2021). Analysis of Banking Performance in The Aftermath of The Merger of Bank Syariah Indonesia in Covid 19. International Journal of Science, Technology & Management, 2(2), 472–478. https://doi.org/10.46729/ijstm.v2i2.182
Sihotang, M. K., Hasanah, U., & Hayati, I. (2022). Model of Sharia Bank Profitability Determination Factors by Measuring Internal and Externals Variables. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE), 5(1), 235–251. https://doi.org/10.31538/iijse.v5i1.1949
Wahid, A. (2021). Determinants of the Merger Performance of BUMN Sharia Banks. … Journal of Emerging Issues in Islamic …, 1(1), 11–25. https://doi.org/https://doi.org/10.31098/ijeiis.v1i1.574
Sarwono, J. (2011). Get to know the path of Analysis: History, Understanding, and Application, Scientific Journal of Business Management. Jurnal Ilmiah Manajemen Bisnis, 11(2), 285–296.
A. Karim, Adiwarman (2017).Maqashid Bisnis & Keuangan Islam Sistesis Fikih dan Ekonomi. Depok: PT RajaGrafindo Persada.
Ghozali, I (2020). 25 Grand Theory. Semarang: Yoga Pratama.
Kasmir. (2015). Manajemen Perbankan. Jakarta: PT RajaGrafindo Persada.
Muhammad. (2020). Bank dan Lembaga Keuangan Syariah Lainnya. Depok: PT RajaGrafindo Persada.
Suharsaputra, U. (2014). Metode Penelitian : Kuantitatif, Kualitatif, dan Tindakan. Bandung: Refika Aditama.
Sugiyono, (2018). Metode Penelitian Kuantitatif. Bandung: Alfabeta
_______, (2007). Metode Penelitian Kuantitatif, Kualitatif dan R&D. Bandung: Alfabeta
Supranto, J. (2016). Statistik: Teori dan Aplikasi (Edisi Kedelapan). Jakarta: Erlangga.
Ghozali, I. (2018). Aplikasi Analisis Multivariate Dengan Program IBM SPSS 25 (Edisi Ke-9). Semarang: Universitas Diponegoro.
Muijs, D. (2004). Doing Quantitative Research in Education. London: Sage Publications
citation:   Dwi Putri, Nabila  (2022) Pengaruh Non Performing Financing, Financing To Deposit Ratio dan Biaya Operasional pada Pendapatan Operasional terhadap Return On Assets yang Dimediasi oleh Capital Adequacy Ratio (Studi Kasus Bank Umum Syariah 2018 – 2021).  Bachelor thesis, Universitas Muhammadiyah Prof. DR. HAMKA.   
document_url: http://repository.uhamka.ac.id/id/eprint/24706/1/FEB_EKONOMI%20ISLAM_1802055002_NABILA%20DWI%20PUTRI%20-.pdf