Determinant of Sharia Banking Profitability in Indonesia With NPF (Non Performing Financing) as Moderation

Kurniawan, Fithrony (2019) Determinant of Sharia Banking Profitability in Indonesia With NPF (Non Performing Financing) as Moderation. Masters thesis, STIE Perbanas Surabaya.

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Official URL: https://himapas.org/

Abstract

Every company, including Islamic banking, was established with the aim of seeking profit and increasing profitability. Considering the importance of profitability, knowledge of deteminants profitability is needed so that Islamic banking can develop strategies in a systematic and planned manner to achieve it.This study aims to examine the factors that affect profitability as proxied by Return on Assets (ROA) of Sharia Banks in Indonesia. The independent variable consists of Operating Efficency (BOPO), Financing Deposit Ratio (FDR), Capital Adequacy (KPMM), Inflation and Non Performing Financing (NPF) as moderation variables. Secondary data sources were taken from the Financial Services Authority (OJK). The sampling technique uses purposive sampling in 6 (six) Sharia Banking in Indonesia on a quarterly basis from 2015 to 2018. The data analysis technique uses panel data. Based on the results of research and discussion, it was concluded that BOPO had a significant negative effect on ROA of Sharia Banking. Whereas FDR has significant positive effect while KPMM hasinsignificant positive effect and Inflation has insignificant negative effect on ROA of Sharia Banking. While NPF moderates the positive influence of BOPO on ROA, it does not moderate the influence of FDR and KPMM on ROA of Sharia Banking.

Item Type: Thesis (Masters)
Subjects: 300 - SOCIAL SCIENCE > 330 - 339 ECONOMICS > 332 - FINANCIAL ECONOMICS > 332.12 - BANKS & BANKING
Divisions: Magister of Management
Depositing User: Perpustakaan Universitas Hayam Wuruk Perbanas
Date Deposited: 05 Feb 2021 05:26
Last Modified: 11 Oct 2022 06:55
URI: http://eprints.perbanas.ac.id/id/eprint/5621

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