Dewi, Aufrieda Artsiana (2025) Pengaruh Internal Dan Eksternal Bank Terhadap Profitabilitas Pada Bank Umum Syariah. Masters thesis, Universitas Hayam Wuruk Perbanas.
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Abstract
ABSTRACT This study aims to analyze the influence of internal and external factors on the profitability of Islamic Commercial Banks in Indonesia, measured by Return on Assets (ROA). Internal variables include Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non-Performing Financing (NPF), Operating Expenses to Operating Income ratio (BOPO), and bank size (Size), while external variables consist of Gross Domestic Product (GDP) and inflation. The study uses secondary data from Islamic Commercial Banks registered with the Financial Services Authority (OJK) during the 2019–2024 period. The data were analyzed using multiple linear regression with panel data. The results reveal that all independent variables simultaneously have a significant effect on profitability. Partially, CAR, NPF, BOPO, and Size negatively and significantly affect ROA, while FDR, GDP, and inflation show no significant effect. These findings suggest that the profitability of Islamic banks is primarily influenced by internal factors, particularly financing risk management, operational efficiency, and the management of bank size. The implications of this study highlight the need for regulators to strengthen risk management policies and promote cost efficiency in Islamic banks. For bank management, focusing on reducing NPF, improving BOPO efficiency, and optimizing operational scale is crucial to sustain profitability. Academically, this study contributes to the literature on the determinants of profitability in the Islamic banking sector in Indonesia.. Keywords: Profitability, ROA, CAR, FDR, NPF, BOPO, Size, GDP, Inflation, Islamic Commercial Banks
| Item Type: | Thesis (Masters) |
|---|---|
| Subjects: | 600 - TECHNOLOGY > 650 - 659 MANAGEMENT & PUBLIC RELATIONS > 650 - MANAGEMENT & AUXILIARY SERVICES |
| Divisions: | Magister of Management |
| Depositing User: | AUFRIEDA ARTSIANA DEWI |
| Date Deposited: | 23 Sep 2025 06:25 |
| Last Modified: | 23 Sep 2025 06:25 |
| URI: | http://eprints.perbanas.ac.id/id/eprint/13836 |
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