PENGARUH PEMBIAYAAN UMKM DAN RASIO KEUANGAN TERHADAP PERTUMBUHAN LABA BANK UMUM SYARIAH DI INDONESIA
AbstractThe aims of this research is to analyze the influence of sharia financing by the real sector through micro, small, and medium enterprises (SMEs), the influence of capital adequacy (CAR), efficiency (BOPO) and the influence of Non Performing Financing (NPF) of Islamic Banking in Indonesia to earn profit in the period 2013-2017 per-quarter. This research using panel data regression method. The result shows that the Capital Adequacy Ratio (CAR) has no effect on profitability (ROA), while SMEs, Efficiency (BOPO) and Non- Performing Financing have a negative and significant effect on the probability of sharia banking.
Keywords: Profitability (ROA), Capital Adequacy Ratio (CAR), Efficiency (BOPO), Non-Performing Financing (NPF).
Authors who publish with this journal agree to the following terms:
Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).