Salman, Kautsar Riza (2021) The Effect of Non-Performing Financing and Third Party Funds on the Profitability through PS/RS and PLS Financing. International Journal of Islamic Banking and Finance Research, 6 (1). pp. 19-31. ISSN 2576-4144
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Abstract
This research is motivated by the phenomenon of increasing PS/RS and PLS financing and profitability at Islamic Commercial Banks (BUS) in Indonesia during the 2015-2019 period, and experiencing a decline from 2019 to 2020. PS/RS and PLS financing can use mudharabah and musharakah contract schemes. Mudharabah financing is based on profit sharing, while Musharaka is based on profit-loss sharing. This study aims to obtain empirical evidence regarding the effect of non-performing financing and third-party funds on profitability through PS/RS and PLS financing. The population used in this study were all Islamic Commercial Banks in Indonesia in the 2015-2020 period. The data analysis technique used is Partial Least Square with SmartPLS software version 3. The results of the study found a direct effect of non-performing financing on profitability. The results of the study did not find a direct effect of non-performing financing on PS/RS and PLS financing. In addition, third party funds do not have a direct effect on profit-sharing and profitability-based financing. The results also did not find an indirect effect of non-performing financing and third-party funds on profitability.
| Item Type: | Article |
|---|---|
| Subjects: | 200 - RELIGION > 290 - 299 OTHER RELIGIONS > 297 - ISLAM, BABISM & BAHAI FAITH 600 - TECHNOLOGY > 650 - 659 MANAGEMENT & PUBLIC RELATIONS > 657 - ACCOUNTING > 657.9 - ACCOUNTING-BANK |
| Divisions: | Lecturer |
| Depositing User: | KAUTSAR RIZA SALMAN |
| Date Deposited: | 10 Feb 2023 01:43 |
| Last Modified: | 03 Jan 2024 03:54 |
| URI: | http://eprints.perbanas.ac.id/id/eprint/10015 |
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