Abstract
One of the benchmarks for state progress in banking which affects economic activity (Khasanah, 2016) . This study aims to determine the factors that influence profitability included CAR, BOPO, FDR, on ROA with NPF as a moderating variable for Indonesian and Malaysian Islamic banking listed in the Financial Services Authority (OJK) and Bank Negara Malaysia (BNM) for the 2014-2019 period. This type of quantitative research with secondary data is in the form of panel data. The sample includes 11 Indonesian Islamic banks and 7 Malaysian Islamic banks. The collection method is to access the annual report on the bank's website. Multiple Linear Regression analysis tool with the Eviews 10 Version application. The analysis used the Descriptive Statistical Test, Stationarity Test, and Multiple Linear Regression Test. The test results include: 1) CAR is not significant to ROA; 2) BOPO is not significant to ROA; 3) FDR is not significant to ROA; 4) CAR with NPF as a moderating variable has a positive and significant effect on ROA; 5) BOPO with NPF as a moderating variable has a negative and significant effect on ROA; 6) FDR with NPF as a moderating variable has a negative and significant effect on ROA.
Highlights
Tolok ukur kemajuan negara salah satunya adalah perbankan yang memiliki pengaruh terhadap kegiatan perekonomian
This study aims to determine the factors that influence profitability included Capital Adequacy Ratio (CAR), biaya operasional terhadap pendapatan operasional (BOPO), Financing to Deposit Ratio (FDR), on Return On Assets (ROA) with Net Performing Financing (NPF) as a moderating variable for Indonesian and Malaysian Islamic banking listed in the Financial Services Authority (OJK) and Bank Negara Malaysia (BNM) for the 2014-2019 period
Mempengaruhi Inflasi pada Kota Metropolitan di Indonesia dengan Menggunakan Analisis Data
Summary
Tolok ukur kemajuan negara salah satunya adalah perbankan yang memiliki pengaruh terhadap kegiatan perekonomian. Indonesia dan Malaysia sebagai negara mayoritas muslim yang mempunyai potensi untuk mengembangkan perbankan syariah. Sumber: Union of Arab Banks, Thomson Reuters Berkembangnya perbankan syariah di Indonesia maupun Malaysia perlu dibarengi dengan naiknya profitabilitas, hal tersebut mengakibatkan kepercayaan masyarakat terhadap bank menjadi lebih baik. Variabel ROA dipengaruhi beberapa hal seperti: Capital Adequacy Ratio (CAR), Efisiensi Operasional menggunakan rasio biaya operasional terhadap pendapatan operasional (BOPO), Financing to Deposit Ratio (FDR), dan Net Performing Financing (NPF). Variabel moderasi penelitian ini menggunakan NPF yang dipengaruhi oleh CAR, BOPO, dan FDR terhadap ROA. Tujuan rasio ini untuk membandingkan antara laba dengan total asset suatu bank dan mengetahuin tingkat efisiensi dari pengelolaan asset suatu perusahaan (Sambelay & Rate, 2017). Rasio ini yaitu cukupnya modal sebagai pertahanan modal yang meliputi kemampuan manajemen dalam identifikasi, pengawasan, serta kontrol risiko sebagai pengaruh terhadap modal bank.
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