Pengaruh NPF, FDR, Dan BOPO Terhadap ROA Pada PT. Bank Muamalat Indonesia Periode 2012-2019
DOI:
https://doi.org/10.58192/profit.v2i3.966Keywords:
Bank Performance, ROA, ProfitabilityAbstract
ROA is a ratio that describes a bank's ability to manage funds invested in all assets that generate profits. ROA is a picture of a bank's productivity in managing funds so as to generate profits. The purpose of this study was to determine the effect of NPF, FDR, and BOPO on ROA. This study uses a quantitative approach to the type of associative research. The population in this study is the financial statements of PT. Bank Muamalat Indonesia with the research sample used, namely the quarterly financial reports of PT. Bank Muamalat Indonesia for the 2012-2019 period. The data collection technique uses documentation, while the data analysis technique uses the Error Correction Model (ECM) method with the help of Eviews 9 software.
References
Abdul Nasser Hasibuan, Rahmad Annam, Nofinawati, Audit Bank Syariah
Cet-1 Jakarta: KENCANA, 136-133.
Agus Widarjono, Ekonometrika Pengantar Dan Aplikasinya Disertai Panduan EViews, Yogyakarta: UPP STIM YKPN, 2017.
Boy Leon dan Sonny Ericson, Manajemen Aktiva Pasiva Bank Indonesia,Jakarta: PT Grasindo, 2007.
Firdaus and Fakhry Zamzam, Aplikasi Metodologi Penelitian, Yogyakarta: CV Budi Utama, 2018.
Hery, Analisis Kinerja Manajemen, Jakarta: PT. Grasindo, 2015.
Ikatan Bankir Indonesia, Bisnis Kredit Perbankan, Jakarta: PT Gramedia Pustaka Utama, 2018.
Inung Oni Setiadi, “Analisis Faktor-Faktor Yang Mempengaruhi Permintaan Uang Di Indonesia Tahun 1999 : Q1 - 2010 : Q4 Dengan Pendekatan Error Correction Models (ECM),” Economics Development Analysis Journal, 2, 2013.
Erna Sudarmawanti, “Pengaruh CAR, NPL, BOPO, NIM dan LDR Terhadap ROA (Studi kasus pada Bank Perkreditan Rakyat di Salatiga yang terdaftar di Otoritas Jasa Keuangan Tahun 2011- 2015”, Jurnal Among Makarti Vol. 10 No. 19, Juli 2017, 5.
Lilik Sriwahyuni, “Pengaruh Biaya Operasional dan Pendapatan Operasional (BOPO), Financing To Deposit Ratio (FDR), dan Non Performing Financing (NPF), Terhadap Return On Asset (ROA) pada Bank BRI Syariah,” Skripsi, Ponorogo: IAIN Ponorogo, 2020.
Luh Putu Sukma Wahyuni Pratiwi dan Ni Luh Putu Wiagustini, Pengaruh Car, Bopo, Npl Dan Ldr Terhadap Profitabilitas, E-Jurnal Manajemen Unud, Vol. 5, No. 4, 2015.
Kurniasari Rani, Analisis Biaya Operasional Dan Pendapatan Operasional (BOPO) Terhadap Return On Assets (ROA), Jurnal Perspektif, Vol. XV, No. 1, Maret 2017.
