Analisis Pengaruh NPF, FDR dan BOPO TERHADAP Profitabilitas (ROA) Pada PT Bank Muamalat Indonesia Tbk (Tahun 2011-2020)
This study aims to determine NPF, FDR and Bopo on Profitability (Roa) at Bank Muamalat Indonesia in 2011-2020. Data collection techniques in this study used literature study and decommentation methods.
The data is processed using SPSS through the classical assumption test, path analysis test (Path) and hypothesis testing to see the effect of the independent variable X on the dependent variable through an intermediary variable and without going through an intermediary.
From the results of data processing, it shows that the analysis of the effect of Npf, Fdr and Bopo on Profitability (Roa) at Pt Bank Muamalat Indonesia, Tbk. The results of the study show that: the effect of the NPF variable (X1) on BOPO (X3) is obtained by a value of 0.270 > 0.05 that there is no direct effect of X1 on X3. The effect of the variable FDR (X2) on BOPO (X3) obtained a value of 0.599 > 0.05 that there was no direct effect of FDR (X2) on BOPO (X3). The effect of the BOPO variable (X3) on ROA (Y) obtained a value of 0.000 ˂ 0.05 that there is a direct effect of BOPO (X3) on ROA (Y). The effect of the NPF variable (X1) on ROA (Y) through BOPO (X3) obtained a value of 0.011 > -0.450 that the direct effect is greater than the indirect effect which means NPF (X1) through BOPO (X3) has no significant effect on ROA (Y ). The effect of NPF (X1) on ROA (Y) through BOPO (X3) obtained a value of 0.207 > -0.047 that the indirect effect is greater than the direct effect which means FDR (X2) through BOPO (X3) has a significance for ROA (Y). The effect of NPF (X1) on ROA (Y) was obtained by a value of 0.819 > 0.05, indicating that there was no direct significant effect of NPF (X1) on ROA (Y). The effect of FDR (X2) on ROA (Y) was obtained by a value of 0.322 > 0.05, indicating that there was no direct significant effect of FDR (X2) on ROA (Y).
Astutik, L. D. Analisis Pengaruh CAR, NPF, FDR, DAN BOPO Terhadap ROA Pada Bank Umum Syariah Periode 2014-2018. Universitas Islam Negeri Walisongo Semarang. 2009
Aziz, & Fathul Aminudin. Dekonstruksi Ekonomi Islam Dalam Ontologi Riba dan Bunga Bank, 2019Bankir Indonesia Ikatan. Bisnis Kredit Perbankan. PT. Gramedia Pustaka, 2015
Falaasifah, Y. V. Pengaruh CAR, FDR, BOPO Pada Profitabilitas Bank Muamalat Indonesia Periode Tahun 2010-2013. IAIN Walisongo Semarang, 2014 Field. Discovering Statistics Using SPSS ISM. Introducing Statistical Methods Series, 2009
Ghozali, I. Aplikasi Analisis Multivariate Dengan Program IBM SPSS 25. Badan Penerbit Universitas Diponogoro, 2018
Hasbi, H. dan T. H. . Banking: According To Islamic Sharia Concepts and its Performance In Indonesia. International Review Of Business Research Papers, Hery, S.E., M. S. . Analisis Laporan Keuangan. CAPS, 2015
Kasmir.. Pemasaran Bank. Kencan, 2008
Kasmir. Bank Dan Lembaga Keuangan Lainnya. Rajawali Pers.2017
Lemiyana Dan Erdah Litriani. Pengaruh NPF, FDR, BOPO Terhadap Return On Asset (ROA) Pada Bank Umum Syariah. I-Economic, 2.
Maguni, W., Mulu, B., Turmudi, H. M., Insawan, H., & Ni’mah, F. . Analysis of Financial Ratio on Profitability Level (Return on Equity) in PT. Bank Muamalat Indonesia TBK. Al-Ulum, 20(1). https://doi.org/10.30603/au.v20i1.696, 2020
Mansur, M. T. Pengaruh FDR, BOPO DAN NPF Terhadap Profitabilitas Bank Umum Syariah Periode 2012-2014. Universitas Islam Negeri Walisongo Semarang.
Muhammad. Manajemen Dana Bank Syariah. Rajawali Pers, 2014
Muhammadinah. Faktor-Faktor Yang Mempengaruhi Profitabilitas Perusahaan Perbankan Yang Terdaftar Di Bursa Efek Indonesia. I-Economic, 3, 169.2017
Nimah, F., & Maguni, W. The Effect of Financial Ratio (Car, FDR, NPF and BOPO) on the Profitability Level in PT Bank Muamalat Indonesia TBK. Global Journal of Management and Business Research: C Finance, 19(7).
R, V. . Credit Management Handbook Manajemen Perkreditan Cara Mudah Menganalisis Kredit. Rajagrafindo Persada, 2013
Rafelia, T. (2015). Pengaruh CAR, FDR, NPF, Dan BOPO Terhadap ROE Bank Syariah Mandiri Periode Desember 2008-Agustus 2012, 2015
Rahmah, A. N. Analisis Pengaruh CAR, FDR, NPF, DAN BOPO Terhadap Profitabilitas (Return On Asset) Pada Bank Syariah Mandiri Tahun 2013-2017. Institut Agama Islam Negeri Purwokerto, 2018
Rivai, V. D. A. A. Islamic Banking. PT. Bumi Aksara, 2010Rohansyah, M. . PENGARUH NPF DAN FDR TERHADAP ROA BANK SYARIAH DI INDONESIA.
Robust: Research of Business and Economics Studies, 1(1). https://doi.org/10.31332/robust.v1i1.2620, 2021
Rosidah, E. . Pengaruh Financing To Deposit Ratio Terhadap Non Performing Financing Perbankan Syariah Di Inonesia. Jurnal Akuntansi, 12, 128.
Sari, D. R. Pengaruh CAR, FDR, NPF DAN BOPO Terhadap Profitabilitas (ROA) Pada Bank Syariah Mandiri Periode 2011-2015. UIN Raden Fatah Palembang, 2016Setiawan, L. Analisis Pengaruh Rasio CAMEL Terhadap Kinerja Keuangan Perbankan Yang Diukur Dengan Return On Asset Studi Kasus Pada Perusahaan Yang Terdaftar Di BEI Tahun 2009-2013. Akuntansi, 5, 2015
Solihatun. . Analisis Non Performing Financing (npf) Bank Umum Syariah Di Indonesia Tahun 2007-2012. Jurnal Ekonomi Pembangunan, Vol 12, 58, 2014
Sugiyono. Metodologi Penelitian Bisnis. Alfabeta, 2016Sujarweni, V. W. Metodologi Penelitian Bisnis Dan Ekonomi Pendekatan Kuantitatif. Pustaka Baru Press, 2016
Suryani. Analisis Pengaruh Financing To Deposit Ratio Terhadap Profitabilitas Perbankan Syariah Di Indonesia. vol 19, 55.2011
Suwiknyo, D. Analisis Laporan Keuangan Perbankan Syariah. Pustaka Pelajar.2016
Tristiningtyas, Vita dan Drs. Osmad Mutahor, M. S. . Analisis Faktor-Faktor Yang Mempengaruhi Kinerja Keuangan Pada Bank Umum Syariah Di Indonesia. Jurnal Akuntansi Indonesia, Vol 3, 134.2013U, O. K. D. F. . Financing Ratio To Distinguish Islamic Banks, Islamic Business Units And Convetional Banks In Indonesia. KARI DJPI DPTI.
Ubaidillah. Analisis Faktor-Faktor Yang Mempengaruhi Profitabilitas Ban Syariah Di Indonesia. Jurnal Ekonomi Islam El-Jizya, 4, 154, 2016
Ulfatuzahroh. Analisis Pengaruh CAR, NPF, FDR DAN BOPO Terhadap Profitabilitas (Return On Asset) Pada PT Bank Muamalat Indonesia Periode 2012-2020. IAIN Purwokerto, 2020
Umam, K. . Manajemen Perbankan Syariah. Pustaka Setia, 2013Wardana, R. I. P. Analisis Pengaruh CAR, FDR, NPF, BOPO DAN SIZE Terhadap Profitabilitas Pada Bank Umum Syariah Di Indonesia (Studi Kasus Pada Bank Umum Syariah Di Indonesia Periode 2011-2014). Universitas Dipenogoro.
Wardiah, M. L.Dasar-Dasar Perbankan. Pustaka Setia, 2013Wibowo, E. S.. Analisis Pengaruh Suku Bunga, Inflasi, CAR, BOPO, NPF Terhadap Profitabilitas Bank Syariah. Universitas Diponegoro, 2012
Widyaningrum, L. D. D. F. S. Pengaruh CAR, NPF, FDR, Dan OER Terhadap ROA Pada Bank Pembiayaan Rakyat Syariah Di Indonesia Periode Januari 2009 Hingga Mei 2014. JESTT, 2, 972, 2015
Yunita, R.Faktor-Faktor Yang Mempengaruhi Tingkat Profitabilitas Perbankan Syariah Di Indonesia (Studi Kasus Pada Bank Umum Syariah Di Indonesia Tahun (2009-2012). Jurnal Akuntansi Indonesia, Vol 3, 147, 2014