Profitability Of Islamic Commercial Banks Research Articles

Analisis Pengaruh NPF, FDR, CAR, dan GCG terhadap Profitabilitas Bank Umum Syariah

This study aims to examine the effect of NPF, FDR, CAR and GCG on the profitability of Islamic commercial banks. The data used is secondary data in the form of annual financial reports from 10 Islamic Commercial Banks in Indonesia registered with the Financial Services Authority for the 2017-2020 period. The independent variables used are NPF, FDR, CAR, and GCG which are proxied by the board of directors, independent board of commissioners, and sharia supervisory board. While the dependent variable used is return on assets (ROA). Testing this hypothesis uses a path diagram that is processed with WarpPLS version 8.0. The results of this study indicate that the NPF, FDR, CAR and the sharia supervisory board have significant effect on the profitability of Islamic commercial banks, while the independent board of directors and commissioners have no significant effect on the profitability of Islamic commercial banks.

THIRD-PARTY FUNDS, CAPITAL ADEQUATE RATIO, PROFIT-SHARING FINANCING, AND NON-PERFORMING FINANCING ON PROFITABILITY IN SHARIA COMMERCIAL BANKS IN INDONESIA

This study aims to examine whether there is an influence from the mechanism of Third-Party Funds, Capital Adequate Ratio (CAR), Profit sharing financing, and Problematic financing on profitability in Islamic commercial banks for the period 2016-2020 with a total sample of 8 Islamic commercial banks in Indonesia. The analysis used in analysis multiple linear regression with the SPSS 18.00 analysis tool. The results of the data test stated that the f-test showed that all variables affected the profitability of Islamic commercial banks in Indonesia. Whereas through the t-test the variables of Third-party Funds (DPK), Capital Adequate Ratio (CAR), and profit-sharing financing have no effect on profitability in Islamic commercial banks in Indonesia while Non-Performing Financing (NPF) has an influence on profitability in Islamic commercial banks in Indonesia. Keywords: Third Party Funds, Capital Adequate Ratio, Profit sharing financing, Non Performing Financing, Profitability

CAR, NPF, FDR, dan BOPO Terhadap Profitabilitas Bank Umum Syariah

This research aims to analyze the effect of Capital Adequacy Ratio (CAR), Non-Performing Finance (NPF), Financing to Deposit Ratio (FDR) and Operating Cost of Operating Income (BOPO) on the Profitability of Islamic Commercial Banks in Indonesia. Sampling in this study used a purposive sampling method with data collection techniques, documentation studies and library research. The number of samples used as many as 12 Islamic Commercial Banks in Indonesia. The data obtained were analyzed using multiple linear regression analysis using Eviews 10 software and Microsoft Excel 365. The results of this research indicate that the CAR has an insignificant positive effect on Profitability, NPF has a significant negative effect on Profitability, FDR has an insignificant negative effect on Profitability, and (BOPO) has a significant negative effect on profitability.

Analisis Profitabilitas Pada Bank Umum Syariah di Indonesia

This study was conducted to analyze and examine the effect of capital adequacy, liquidity, financing and efficiency on profitability at Islamic Commercial Banks in Indonesia from 2017-2020. A total of 14 banks as the population of this study. Samples were taken using a saturated sampling technique, namely all parts of the population as samples. The total sample was 14 Islamic commercial banks in Indonesia from 2017-2020. The method of analysis in this study is multiple regression analysis. The hypothesis was tested using the F test and the t-test. The result of this research is that capital adequacy has a significant positive effect on profitability, liquidity has a non-significant positive effect on profitability, financing has a negative and significant effect on profitability, and efficiency has an insignificant negative effect on profitability. The conclusion is the adequacy of capital and financing can contribute to the profitability of Islamic commercial banks in Indonesia. Meanwhile, liquidity and efficiency can’t contribute to the profitability of Islamic commercial banks in Indonesia.

Can Firm Size as a Moderating Variable Enhance Profitability in Islamic Banks in Indonesia?

Abstract. This study aims to assess the impact of CAR, NPF, and BOPO variables on the profitability of Islamic commercial banks, considering firm size as a moderating variable. A quantitative methodology is used in this research, where secondary data is collected from the annual financial statements of Islamic commercial banks for the period of 2018 to 2021. The structural equation modelling (SEM) method is used to conduct data analysis. The research findings indicate that CAR has a significant positive effect on profitability, while NPF and BOPO have no significant effect. However, firm size is found to significantly moderate the effects of CAR and BOPO on profitability. The implications of this study highlight the importance of considering firm size in planning the policies and operational strategies of Islamic commercial banks to strengthen the relationship between these factors and the desired level of profitability. This study provides new insights into understanding the factors that influence the profitability of Islamic commercial banks and makes a significant contribution to the literature on Islamic banking. Keywords: Islamic Bank, Profitability, Capital Adequacy Ratio, Non-Performing Financing, Operational Expenses, Operational Revenue

Profitabilitas pada bank umum syariah dan peran biaya intermediasi, capital adequacy ratio, pembiayaan mudharabah, financing to deposit ratio, dan dana pihak ketiga

This study aims to determine the effect of bank intermediation costs, capital adequacy ratio, mudharabah financing, financing-to-deposit ratio, and third-party funds on profitability in Islamic commercial banks for the 2016-2020 period. This research type is quantitative, while the analysis method uses multiple linear regression. The results of this study indicate that intermediation costs significantly positively affect profitability (return on assets). In contrast, the capital adequacy ratio, mudharabah financing, financing-to-deposit ratio, and third-party funds do not affect the profitability of Islamic commercial banks.

Pengaruh Tingkat Risiko Pembiayaan terhadap Profitabilitas Bank Umum Syariah

This study aims to determine the level of financing risk to the profitability of Islamic commercial banks. This study uses data from the financial statements of Islamic commercial banks that have been audited and published to the public through the official website of the financial services authority. The author uses a quantitative descriptive type of research; the analysis method in this study is a simple linear regression analysis. The sample determination technique used with purposive sampling techniques is to select samples based on certain criteria based on the purpose of the study. The results showed that there was a significant negative relationship between NPF and ROA. The relationship is a cause-and-effect relationship, so the ROA value is inversely proportional to the NPF. In this study, the size of the ROA value was influenced by NPF. It can be concluded from this study that there is a significant negative relationship between NPF and ROA. The relationship is a cause-and-effect relationship, so the ROA value is inversely proportional to the NPF.
 Keywords: Profitability, Financing Risk level

THE SECTORAL FINANCING DIVERSIFICATION AND THE PROFITABILITY OF ISLAMIC BANKING IN INDONESIA

This study investigates the influence of sectoral financing concentration on the profitability of Islamic banking in Indonesia. The data is aggregated by Indonesian Islamic banks from January 2015 to June 2021. Islamic banks are divided into two, namely Islamic commercial banks and Islamic window banks. The study used Autoregressive distributed lag (ARDL) and Panel Mean Group (PMG). The results showed that sectoral financing concentration increased the profitability of Islamic commercial banks while diversification of sectoral financing boosted the profitability of Islamic window banks. In addition, this study also showed that size and inefficiency negatively affected the profitability of Islamic commercial banks and window banks. This result implies that the right sectoral financing policy for Islamic commercial banks is financing concentration. This strategy implies that Islamic commercial banks must build competitiveness in certain sectors of the economy. For this reason, there is a need to increase the skills of the worker to build a competitive advantage in the sector that is the focus of financing. In comparison, sectoral financing diversification is more applicable for Islamic window banks. To support this diversification strategy, banks must conduct good supervision in the financing, especially sectoral financing based on profit-sharing contracts.

Pengaruh Pembiyaan Murabahah, Mudharabah, Musyarakah dan Istishna terhadap Profitabilitas Bank Syariah di Indonesia dan Malaysia

This study aims to examine and analyze the effect of murabahah, mudharabah, musyarakah and istishna financing on the profitability of Islamic Commercial Banks in Indonesia and Malaysia. This study uses quantitative research methods with an associative approach. The data used is in the form of annual reports of Islamic Commercial Banks from the 2013-2020 period. The samples used were 6 Islamic banks which were taken by purposive sampling from 30 Islamic Commercial Banks in Indonesia and Malaysia. The data analysis technique used is multiple linear regression with a fixed effect model, which is operated with the Eviews 9.0 application. The results showed that partially murabahah and mudharabah financing had a significant effect on profitability, while musyarakah and istishna financing did not have a significant effect on profitability. Simultaneously the financing of murabahah, mudharabah, musyarakah and istishna has a significant effect on profitability.

The Moderating Role of Profit and Loss Sharing in the Relationship Between Marketability and Profitability in Islamic Commercial Banks in Indonesia

The problem phenomenon in this study is the low growth of marketability, profitability, profit and loss sharing of Islamic banks in 2014-2019. This study aims to analyze the factors that influence the profitability of Islamic commercial banks in Indonesia for the period 2014-2019. This research method uses quantitative with secondary data sources. The results of the study of factors that have a significant positive effect are Profit and loss sharing on profitability with a t-count value of 6.13091 > t-table 1.645. Marketability to profitability with t-count of 2.00583 > t-table 1.645 and which has a significant negative effect. Marketability on profit and loss sharing t-count 6.80506 > t-table 1.645 and original sample coefficient 1 -0.35806.

Analisis Pengaruh Green Banking Terhadap Profitabilitas Bank Umum Syariah Indonesia

Research Aims: Islamic commercial banks are Islamic banks which in their activities provide services in payment traffic. Islamic commercial banks can operate as foreign exchange banks and non-foreign exchange banks. Foreign exchange bank is a bank that can carry out transactions abroad or related to foreign currencies as a whole, such as transfers abroad, collections abroad, opening letters of credit and so on. The purpose of the study was to determine the effect of green banking on the profitability of Islamic commercial banks in Indonesia and the concept of green banking in an Islamic perspective. Design/methodology/approach: This type of research is quantitative with a descriptive statistical approach, the research methodology used in this study is the method of documentation and literature study. Research Findings: The results of the study show that green banking has a positive effect on the profitability of Islamic Commercial Banks in Indonesia. In the Islamic perspective, all Green Banking Indicators are in accordance with the Islamic perspective as well as the reinforcing arguments about protecting nature and preventing natural damage. Keywords: Green Banking, profitibalitas, Bank Umum Syariah.

Analisis Profitabilitas Bank Umum Syariah Go Public Pada Masa Covid-19

This study aims to analyze the level of profitability of Islamic Commercial Banks that have Go Public during the Covid-19 pandemic. These conditions can lead to various problems that can trigger the profitability of a bank's financial performance. The method used in this research is quantitative with horizontal analysis techniques with secondary data sources. The results obtained from this study indicate that the level of profitability of Islamic commercial banks which are the object of research has a level of profitability which shows an increase as well as a decrease due to the Covid-19 pandemic which affects the soundness of the bank. This research is limited to the financial performance before the pandemic and during the pandemic as well as the profitability level of Islamic Commercial Banks that Go-Public. So that the results of this study can be used as guidelines in making and formulating policies.

Determinants and Alternative Strategies in Improving The Financial Performance of Sharia Commercial Banks in Indonesia

This study is to examine the impact of internal and external factors on the profitability of Islamic commercial banks and to provide suitable solutions for enhancing their financial performance. This study utilizes original data collected from Islamic banking specialists that have experience, professionalism and a proven track record, as well as are true experts in their disciplines. Secondary data are gathered from the Financial Services Authority's (OJK) annual report on the financial performance of Islamic banks in Indonesia for the period 2013-2020 and 2013-2020 macroeconomic data. Using qualitative descriptive, panel data regression, and Analytical Hierarchy Analysis (AHP), the data were evaluated. The results of the study indicate that Bank Muamalat is the bank with the worst performance, whereas BTPN Syariah is regarded as the most outstanding since it is the sharia bank with the best performance. Only BOPO and FDR have a substantial impact on the profitability of Islamic Commercial Banks (ROA), with BOPO having a negative impact and FDR having a favorable impact. Inflation and the BI Rate have no substantial impact on profitability as external factors. As the primary approach, Sharia commercial banks must improve services and develop business segmentation based on risk tolerance. Trust and capital are the most crucial aspects in the success of this strategy. Directors as top-level managers play a crucial role in setting the direction of business policies and objectives, whereas employees play a part in the successful implementation of strategies. The ultimate objective of this strategy is to enhance consumer confidence and maximize profitability. Keywords: analytical hierarchy process (AHP), financial performance, financial service authority (OJK), islamic banking and profitability

THE EFFECT OF MURABAHAH, MUSYARAKAH, AND IJARAH FINANCING ON PROFITABILITY WITH NON PERFORMING FINANCING AS A MODERATION VARIABLE IN ISLAMIC COMMERCIAL BANKS FOR THE 2016-2020 PERIOD

This study aims to examine the effect of Murabahah, Musyarakah and Ijarah financing on Profitability with Non-Performing Financing (NPF) as a moderating variable at Islamic Commercial Banks in Indonesia registered with the Financial Services Authority (OJK) in the 2016-2020 period. This type of research is quantitative. Data is obtained by accessing financial reports and annual reports through the website of each Islamic Commercial Bank. The sampling method used is purposive sampling method using criteria so that a sample of 8 (eight) companies can be obtained for 5 (five) years of observation. This research was conducted using an analysis that includes descriptive statistical tests, capital estimation approach tests, panel data regression models, classical assumption tests, coefficients of determination (r^2) tests, partial tests, simultaneous tests and moderated analysis regression (MRA) tests through software Eviews 10. The results of this study indicate that murabahah financing has a positive and significant effect on the profitability of Islamic commercial banks as measured by ROA, musyarakah financing has a negative and significant effect on the profitability of Islamic commercial banks as measured by ROA and ijarah financing has no negative and significant effect on profitability. Islamic Commercial Banks as measured by ROA. Non-performing financing moderates murabaha financing on the profitability of Islamic commercial banks in Indonesia, Non-performing financing does not moderate musyarakah financing on the profitability of Islamic commercial banks in Indonesia and Non-performing Financing does not moderate Ijarah financing on the profitability of Islamic commercial banks in Indonesia.

Pengaruh Kecukupan Modal Dan Likuiditas Terhadap Profitabilitas Pada Bank Umum Syariah

One of how a bank's financial performance is healthy can be seen through the bank's financial statements. Information regarding the condition of the bank can be used by the bank itself or from outside the bank such as creditors, investors, and customers. The factors that can affect the profitability of Islamic banking are capital adequacy and liquidity. So that Islamic banking, is required to be able to increase profitability every year to attract internal and external parties. This study aims to determine the effect of capital adequacy and liquidity on the profitability of Islamic commercial banks.
 This research uses descriptive analysis method and verification. The data collection technique used is secondary data. The population in this study are Islamic commercial banks registered in Statistik Perbankan Syariah (SPS). The sampling technique used was purposive sampling with a total sample of 11 Islamic banks with a total of 33 sample data. This research uses classical assumption test analysis, multiple linear regression analysis, coefficient of determination, model feasibility test and hypothesis testing.
 Based on the results of the study indicate that capital adequacy has a significant effect on profitability and liquidity has no significant effect on profitability

PENGARUH KINERJA KEUANGAN TERHADAP PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA

This study aims to determine the effect of bank performance ratios on the profitability of Islamic commercial banks in Indonesia. The population of this study were Islamic commercial banks registered with the OJK in 2017-2020, which amounted to 14 banks. The sampling technique in this research is purposive sampling so that 11 banks are the samples of this study. The data analysis technique used multiple linear regression. The results showed that the Capital Adequacy Ratio Variabel had a positive but not significant effect on Return on Assets at Islamic Commercial Banks in Indonesia. The Financing To Deposit Ratio Variabel has a negative and insignificant effect on Return on Assets at Islamic Commercial Banks in Indonesia. The Financing To Deposit Ratio Variabel has a negative and insignificant effect on Return on Assets at Islamic Commercial Banks in Indonesia. Variabel Capital Adequacy Ratio, Financing To Deposit Ratio, and Non Performing Financing simultaneously have a significant effect on Return on Assets at Islamic Commercial Banks in Indonesia.

Pengaruh Variabel BOPO, NOM Dan CAR Terhadap Profitabilitas Bank Umum Syari’ah di Indonesia pada Masa Pandemi Covid-19

Covid-19 has various impacts is the economic sector, especially the banking sector. Banks are constrained to get the level of profit. Profitability can be reflected in how effective the bank's management is in managing the funds entrusted to it to generate profits. The objectives of this study to determine the effect of BOPO, NOM, and CAR on the profitability of Islamic Commercial Banks during the Covid-19 pandemic. The population in this study were all Islamic Commercial Banks in Indonesia with a total of 13 banks. Use secondary data, namely financial reports that had been published. The amount of data analyzed is 26 months. Technical data analysis used Partial Least Squares (PLS). The results showed that; 1) The coefficient value of the effect of BOPO on Profitability was 0.956, which means there was a positive influence and the T-Statistics value was 3.166. 2) The coefficient value of the effect of BOPO on CAR was 0.511, which means there was a positive influence and the T-Statistics value was 6.666. 3) The coefficient value of the effect of BOPO on NOM is 0.652 which means there is a positive influence and the value of T-Statistics is 12,414. 4) The coefficient value of the influence of NOM on Profitability is 0.652 which means there is a positive influence and the value of T-Statistics is 8.698. 5) The coefficient value of the effect of CAR on Profitability is 0.956, which means there is a positive influence and the T-Statistics value is 2.387.

Analisis Pengaruh NPF dan FDR terhadap Profitabilitas dengan CAR Sebagai Variabel Intervening

The background of this research is due to unstable fluctuations in ROA, which shows that Islamic banks have not been able to maintain their stability, so research on profitability is needed. This study aims to determine the effect of NPF, FDR, on profitability with CAR as the Intervening variable for the case study of Islamic Commercial Banks for the period 2011-2020. The data collection method is by accessing data on financial ratios of each bank through the OJK website with purposive sampling as the sample used. The research method is quantitative research and uses WarpPLS 8.0 software. The findings of this study are to contribute to BUS regarding the factors that affect the profitability of Islamic Commercial Banks. From this study, it was found that the NPF and FDR variables had a significant negative effect on profitability, while the CAR had a significant positive effect. The NPF variable has a significant negative effect on CAR and the FDR variable has a significant positive effect. Based on the results of the path analysis test, CAR is able to mediate the effect of NPF on profitability, while for FDR, CAR is not able to mediate the relationship of FDR to profitability.

MEASURING THE PROFITABILITY LEVEL OF ISLAMIC COMMERCIAL BANKS IN INDONESIA

This study aims to measure the level of profitability of Islamic commercial banks in Indonesia before and during the Covid-19 pandemic. This research approach uses quantitative by using paired sample t-test as a data analysis technique. The population of 14 Islamic commercial banks is also used as a research sample with saturated sampling techniques. Measures of profitability levels used are Return on Assets (ROA), return on Equity (ROE), and Net Operating Margin (NOM). The results showed that there was a significant difference in ROA before and during the Covid-19 pandemic with a downward trend. While ROE and NOM did not make significant differences despite the decline before and during the Covid-19 pandemic.

Pengaruh Pembiayaan Murabahah, Mudharabah, Dan Musyarakah Terhadap Profitabilitas

This research aimed to show the effect of murabahah, mudharabah, and musyarakah financing on the profitability of Islamic commercial banks. The research is a causal associative with a quantitative approach. The research population is Islamic commercial banks in Indonesia. The sampling technique used non-probability sampling with a purposive sampling method and obtained nine samples. The data analysis technique used descriptive analysis, classical assumption test, multiple linear regressions, coefficient of determination test, and t-test. The results showed that murabahah financing did not affect profitability. However, mudharabah financing has a positive effect on profitability. Meanwhile, musyarakah financing has a significant negative impact on profitability. This research can be a reference for banks to increase murabahah and musyarakah financing so that profitability can increase adequately. Then it can be a reference for the bank to be more selective if there is a suspension of payments on murabahah financing.