Abstract

This study aims to determine the effect of the BI 7-Day Repo Rate, Capital Adequacy Ratio (CAR), Operational Costs on Operating Income, Third Party Funds (TPF) on the profitability of Islamic Commercial Banks in Indonesia for the period 2015 to 2019. This study uses secondary data sources. obtained from the financial statements of each Islamic Commercial Bank that has been registered with the Financial Services Authority (OJK) from 2015 to 2019. The sample used in this study was 12 Islamic Commercial Banks using the purposive sampling method. The data analysis technique in this study uses multiple linear analysis techniques. The results of this test indicate that the BI 7-Day Repo Rate, CAR, and TPF partially have no effect on profitability, while OEOI has an effect on profitability. BI 7-Day Repo Rate, CAR, BOPO, and TPF simultaneously have an influence on the profitability of Islamic Commercial Banks.

Highlights

  • Sesuai SK Menkeu RI No 792/1990 lembaga keuangan ialah lembaga yang berkegiatan di sektor finansial, yaitu guna mengimpun pembiayaan, serta penyalurannya pada masyarakat guna mendanai pemodalan perusahaan

  • This study aims to determine the effect of the BI 7-Day Repo Rate, Capital Adequacy Ratio (CAR), Operational Costs on Operating Income, Third Party Funds (TPF) on the profitability of Islamic Commercial Banks in Indonesia for the period 2015 to 2019

  • Analisis Pengaruh Suku Bunga, Inflasi, Capital Adequacy Ratio (CAR), Biaya Operasional Pendapatan Operasional (BOPO), NPF terhadap Profitabilitas Bank Syariah

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Summary

Kajian ini mempergunakan kuantitatif

Pada kajian ini data yang sudah terdaftarkan ke OJK dan sekunder didapat menggunakan prosedur menerbitkan pelaporan keuangan pengamatan perbandingan keuangan tahunan secara berkelanjutan mulai perbankan yang terdaftarkan ke Otoritas periode 2015 sampai 2019. Syariah yang terdaftarkan dalam OJK ini bersumber dari pelaporan keuangan hingga akhir 2019 sejumlah 14 Bank. Kajian ini mempergunakan sampel sejumlah 12 bank umum syariah, terdiri atas: Tabel 1. Sampel pada kajian ini diambil berdasarkan prosedur purposive sampling berkriteria Bank Umum. Syariah dan beroperasi di Indonesia sampai 2019

BI Rate melambangkan kewenangan moneter yang telah ditentukan Bank
Teknik Analisis Data
Uji Normalitas
Uji Multikolinieritas heterokedastitas bisa melalui mencermati
Uji Determinasi mencari tahu ada gejala atau tanpa adanya
Square Square the Estimate
Uji T
Dari penjelasan tersebut akan dibahas satu
Uji signifikansi simultan mempunyai
CAR tanpa memengaruhi bermakna bagi melakukan penghimpunan serta
Kesepakatan pembiayaan telah disetujui
Pengaruh DPK terhadap ROA memengaruhi bermakna bagi
Saran yang bisa tersampaikan bagi kajian
DAFTAR PUSTAKA
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