Pengaruh Pembiayaan Murabahah, Mudharabah, Bermasalah, Financing To Deposit Ratio, dan Efisiensi Operasional Terhadap Profitabilitas Bank Umum Syariah di Indonesia
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Institusion
Sekolah Tinggi Ilmu Ekonomi Perbanas Surabaya
Author
Fanur, Nadila
Subject
330 - ECONOMICS
Datestamp
2023-10-16 07:06:38
Abstract :
The growth of Islamic Commercial Banks in Indonesia has increased every year. This has resulted in increased competition among Islamic Commercial Banks. Therefore, to maintain consistency in the Islamic banking industry in Indonesia, it is necessary to pay attention to the quality of banking performance. One way is to look at the profitability of Islamic Commercial Banks. This study aims to analyze the effect of murabahah financing, mudharabah, problematic financing, financing to deposit ratio (FDR), and operational efficiency on the profitability of Islamic Commercial Banks in Indonesia, which is proxied by return on assets (ROA). This study used a sample of 10 Islamic Commercial Banks in Indonesia, taken by purposive sampling technique. The results of this study state that murabahah financing has a positive and insignificant effect on ROA, mudharabah financing has a significant positive effect on ROA, problematic financing has a significant negative effect on ROA, financing to deposit ratio has a negative and insignificant effect on ROA, and Operational efficiency has a positive and insignificant effect on ROA.
The growth of Islamic Commercial Banks in Indonesia has increased every year. This has resulted in increased competition among Islamic Commercial Banks. Therefore, to maintain consistency in the Islamic banking industry in Indonesia, it is necessary to pay attention to the quality of banking performance. One way is to look at the profitability of Islamic Commercial Banks. This study aims to analyze the effect of murabahah financing, mudharabah, problematic financing, financing to deposit ratio (FDR), and operational efficiency on the profitability of Islamic Commercial Banks in Indonesia, which is proxied by return on assets (ROA). This study used a sample of 10 Islamic Commercial Banks in Indonesia, taken by purposive sampling technique. The results of this study state that murabahah financing has a positive and insignificant effect on ROA, mudharabah financing has a significant positive effect on ROA, problematic financing has a significant negative effect on ROA, financing to deposit ratio has a negative and insignificant effect on ROA, and Operational efficiency has a positive and insignificant effect on ROA.
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