Putra, Ahmad Yoga Adi (2026) Pengaruh Non Performing Financing (NPF) dan Pembiayaan Syariah terhadap Profitabilitas Bank Syariah. Undergraduate thesis, Universitas Hayam Wuruk Perbanas.
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Abstract
This study aims to analyze the effect of Total Financing and Non-Performing Financing (NPF) on Profitability as proxied by Return on Assets (ROA) in Islamic Commercial Banks in Indonesia. The data used in this study are secondary data obtained from annual financial reports of 9 Islamic banks during the period 2018–2023, with a total of 54 observations. The analysis method employed is multiple linear regression using SPSS software. The results show that partially, Total Financing has a positive and significant effect on ROA, while NPF has a negative but not significant effect on ROA. Simultaneously, Total Financing and NPF have a significant effect on ROA. The coefficient of determination (R²) is 0.251, indicating that 25.1% of the variation in ROA can be explained by the independent variables, while the remaining 74.9% is influenced by other factors outside the model. This study concludes that optimizing financing distribution plays an important role in improving the profitability of Islamic banks, while risk management of financing remains necessary even though it is not statistically significant in this study. Keywords: Total Financing, Non-Performing Financing (NPF), Return on Assets (ROA), Islamic Banks
| Item Type: | Thesis (Undergraduate) |
|---|---|
| Subjects: | 300 - SOCIAL SCIENCE > 330 - 339 ECONOMICS > 330 - ECONOMICS 300 - SOCIAL SCIENCE > 330 - 339 ECONOMICS > 332 - FINANCIAL ECONOMICS 300 - SOCIAL SCIENCE > 330 - 339 ECONOMICS > 332 - FINANCIAL ECONOMICS > 332.12 - BANKS & BANKING |
| Divisions: | Bachelor of Islamic Economic |
| Depositing User: | AHMAD YOGA ADI PUTRA |
| Date Deposited: | 09 Apr 2026 15:36 |
| Last Modified: | 09 Apr 2026 15:36 |
| URI: | http://eprints.perbanas.ac.id/id/eprint/14191 |
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