Abstract
This study aims to analyze the influence of DPK, CAR, and ROA on musyarakah financing with NPF as a moderation variable in Islamic commercial banks in Indonesia. Using a quantitative research approach, the data collection technique uses the documentation of the quarterly financial statements of Islamic commercial banks on the OJK website. The population of this study are Islamic commercial banks registered with the OJK for the 2017-2019 period. The results showed that NPF was not able to strengthen the influence of TPF and ROA on musyarakah financing, but was able to strengthen the effect of CAR on musyarakah financing. Limitations in this study only tested 3 independent variables, namely TPF, CAR and ROA. Further researchers are expected to be able to add other independent variables, including the variable Financing to Deposit Ratio (FDR) and Operational Cost of Operating Income (BOPO).
Highlights
This study aims to analyze the influence of Dana Pihak Ketiga (DPK), Capital Adequancy Ratio (CAR), and Return On Asset (ROA) on musyarakah financing with Non Perfoming Financing (NPF) as a moderation variable in Islamic commercial banks in Indonesia
This study aims to analyze the influence of DPK, CAR, and ROA on musyarakah financing with NPF as a moderation variable in Islamic commercial banks in Indonesia
The results showed that NPF was not able to strengthen the influence of TPF and ROA on musyarakah financing, but was able to strengthen the effect of CAR on musyarakah financing
Summary
This study aims to analyze the influence of DPK, CAR, and ROA on musyarakah financing with NPF as a moderation variable in Islamic commercial banks in Indonesia. Faktor internal yakni indikator yang mempengaruhi pembiayaan yang tersalurkan dimana adanya beberapa rasio yang bisa menilai keadaan tersebut, yakni Dana Pihak Ketiga (DPK), Capital Adequancy Ratio (CAR), Return On Asset (ROA) serta Non Perfoming Financing (NPF) (Umiyati & Ana, 2020). Antonio dalam (Mubarok, 2018) menyatakan bahwa pengendalian biaya berhubungan dengan kinerja lembaga perbankan karena semakin kecil pembiayaan bermasalah maka akan meningkatkan jumlah pembiayaan yang disalurkan oleh bank syariah, atau sebaliknya.
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