Pengaruh Pembiayaan Natural Uncertainty Contract (NUC), Natural Certainty Contract (NCC), Dan Non Performing Finance (NPF) Terhadap Profitabilitas Bank Umum Syariah
DOI:
https://doi.org/10.58192/wawasan.v2i1.1495Keywords:
Natural Uncertainty Contract (NUC), Natural Certainty Contract (NCC), Non Performing Finance (NPF), and Profitability (ROA).Abstract
Profitability (ROA) is an important ratio in every company's financial statements. Profitability (ROA) reflects the ability to earn profits through funds invested in overall assets that produce profits. Profitability in a bank cannot be separated from the components in the financial reports such as total financing disbursed, financing problems faced by the bank, and so on. This research uses quantitative data based on secondary data obtained from quarterly financial reports. With all the profitability of Sharia Commercial Banks in Indonesia as the population and using purposive sampling as a sampling technique, the number of samples obtained in this research was 60 quarterly financial reports with an observation period of 20 quarterly financial reports for 5 years, for the period 2018- 2022 . The analytical method used in this research is multiple linear regression, R^2 test, t test and F test. The results of the study found that partially NUC financing had no positive effect on profitability (ROA), NCC financing had no negative effect on profitability (ROA). , and NPF have a significant negative effect on profitability (ROA). Simultaneously NUC, NCC, and NPF influence profitability (ROA).
References
Amwaluna. (2018). Pengaruh CAR, NPF Dan FDR Terhadap Profitabilitas Bank Syariah di Indonesia. Jurnal Ekonomi Dan Keuangan Syariah, 1-18.
Ananda Kurniawan Husin. (2019). Analisis Penerapan Akad Natural Certainty Contract (Ncc) Dalam Menanggulangi Risiko Pada Pembiayaan Ijarah Di Bank Syariah (Studi Pada PT. BPR Syariah Kotabumi). UIN Raden Intan. Lampung: Repository UIN Raden Intan.
Dadang Agus Suryanto , Sussy Susanti;. (2020). Analisis Net Operating Margin (NOM), Non Performing Financing (NPF), Financing to Debt Ratio (FDR) dan Pengaruhnya Pada Efisiensi Perbankan Syariah di Indonesia. Jurnal Riset Akuntansi Dan Keuangan, 29-40.
Diana Yumanita. (2017). Pusat Pendidikan Dan Studi Kebank sentralan. Jakarta: BI.
Dinnul Alfian Akbar, Rika Lidyah, Mismiwati, dan Fernando Africano . (2017). Pengujian kausalitas NPF, FDR, BOPO, CAR, Inflasi, dan Nilai Tukar Terhadap Return On Asset Bank Umum Syariah. Seminar Nasional Teknologi Informasi, Bisnis, dan Desain, 9-17.
Hajar. (2017, Juni). Analisis Manajemen Risiko Pembiayaan Natural Uncertaity Contracts (NUC) (Studi Pada PT Bank Syariah Mandiri Kantor Area Malang. Jurnal ‘Ainil Islam, 129.
Hassan K dan Anto. (2018). faktor-faktor kinerja bank . Bandung: works press.
Lemiyana, L. L., & Litriani, E. E. (2017). Pengaruh NPF, FDR, BOPO Terhadap Return On Asset (ROA) Pada Bank Umum Syariah. I-ECONOMICS: A Research Journal on Islamic Economics, 2(1), 31-49.
Listia Dini. (2021). Pengaruh Pembiayaan Natural Uncertainty Contracts (Nuc) Dan Natural Certainty Contracts (Ncc) Terhadap Profitabilitas Bank Umum Syariah. Universitas Islam Negeri Sumatera Utara, Ekonomi Bisnis Islam. Medan: Skripsi FEBI UIN-SU.
Muhammad. (2018). Manajemen Dana Bank Syariah. Yogyakarta: Ekonosia.
Muhammad Idris. (2021). Pengaruh Pembiayaan Natural Uncertainty Contract (NUC), Natural Certainty Contract (NCC), Dan Non Performing Finance (NPF) Terhadap Profitabilitas Bank Umum Syariah Di Indonesia (Periode 2016-2020). Thesis UIN Raden Fatah, 24-26.
Ovi Yuhana Putri. (2021). Pengaruh Pembiayaan Murabahah, Mudharabah, Musyarakah Terhadap Profitabilitas Pada PT. BANK RAKYAT INDONESIA (BRI) SYARIAH PERIODE 2012-2020. Tulungagung: Institutional Respository.
Yovi Ridho Prabowo. (2021). Potensi Pengembangan Pembiayaan Berbasis Natural Uncertainty Contract (Nuc) Di Bank Pembiayaan Syari’ah Tanggamus Terhadap Sektor Ril Umkm. Skripsi UIN Raden Fatah, 28-29.
