Pengaruh Risiko Kredit dan Kecukupan Modal, Terhadap Profitabilitas Bank Syariah (Studi Bank Syariah Yang Terdaftar di BEI Periode 2021-2024).

Nurfadilah Nurfadilah, Maslichah Maslichah, Dewi Diah Fakhriyyah

Abstract


Banking is a company that plays a crucial role in the development of a country, serving as a financial intermediary between individuals with surplus funds and those in need. Therefore, managing a bank well can contribute to the realization of a healthy financial system. An excellent financial system will enhance bank efficiency and profitability. Research shows that NPF has a negative effect on the ROA of Islamic banks in North Sumatra. The higher the NPF, the lower the bank's profitability, whereas CAR and NPF have a positive effect on ROA, indicating that good credit risk management can increase the profitability of Islamic banks. A common indicator often used to measure banking profitability is the ratio Return On Assets (ROA)are considered quite capable of representing the assessment of banking financial performance during the current period. ROA is a ratio that measures how efficiently a bank generates profit from its total assets. There are many factors that affect the profitability of Islamic banks, one of which can be influenced by market risk management, which includes stock price fluctuations, and macroeconomic risks, which include inflation and interest rates.

Keywords : Banking, credit risk, capital adequacy, Profitability.


Full Text:

PDF

References


Abadiyah, F. (2023). Pengaruh manajemen risiko kredit dan risiko pasar terhadap profitabilitas bank (Studi bank syariah di Bursa Efek Indonesia). Universitas Islam Negeri Sunan Kalijaga Yogyakarta.

Aji, I. K., & Man, G. S. (2021). Pengaruh risiko manajemen kredit dan risiko likuiditas terhadap profitabilitas. Fakultas Ekonomi, Universitas Singaperbangsa Karawang.

Ansori, H. R., & Safira. (2017). Analisis pengaruh manajemen risiko terhadap profitabilitas. Universitas Mercu Buana.

Fajari, S., & Sunarto. (2017). Pengaruh CAR, LDR, NPL, BOPO terhadap profitabilitas bank (Studi kasus perusahaan perbankan yang tercatat di Bursa Efek Indonesia). Program Pascasarjana, Universitas Stikubank.

Harianto, S. (2017). Rasio keuangan dan pengaruhnya terhadap profitabilitas pada Bank Pembiayaan Rakyat Syariah di Indonesia. Politeknik Negeri Lhokseumawe.

Janah, N. (2022). Pengaruh rasio keuangan terhadap profitabilitas perbankan syariah Indonesia. Sekolah Tinggi Agama Islam Panca Budi Perdangangan Simalungun.

Suryadi, N., Mayliza, R., & Ritonga, I. (2020). Pengaruh inflasi, biaya operasional terhadap pendapatan operasional (BOPO), dan pangsa pasar terhadap profitabilitas bank umum syariah di Indonesia. Universitas Islam Negeri Sultan Syarif Kasim Riau.

Abadiyah, F. (2023). Pengaruh manajemen risiko kredit dan risiko pasar terhadap profitabilitas bank (Studi bank syariah di Bursa Efek Indonesia). Universitas Islam Negeri Sunan Kalijaga Yogyakarta.

Ansori, H. R., & Safira. (2017). Analisis pengaruh manajemen risiko terhadap profitabilitas. Universitas Mercu Buana.

Harianto, S. (2017). Rasio keuangan dan pengaruhnya terhadap profitabilitas pada Bank Pembiayaan Rakyat Syariah di Indonesia. Politeknik Negeri Lhokseumawe.

Aji, I. K., & Man, G. S. (2021). Pengaruh risiko manajemen kredit dan risiko likuiditas terhadap profitabilitas. Fakultas Ekonomi, Universitas Singaperbangsa Karawang.


Refbacks

  • There are currently no refbacks.