Pengaruh FDR (Financing To Deposit Ratio), NPF (Non Performing Financing), Dan BOPO (Biaya Operasional Pendapatan Operasional) Terhadap Profitabilitas (ROA) Pada PT Bank Syariah Mandiri Tbk
DOI:
https://doi.org/10.32493/frkm.v5i3.20915Keywords:
FDR, NPF, “BOPO, dan ProfitabilitasAbstract
Penelitian ini bertujuan untuk mengetahui pengaruh Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), dan Operating Cost of Operating Income (BOPO) terhadap Profitabilitas (ROA) pada PT. Bank Syariah Mandiri Tbk periode 2011-2020â€. Metode penelitian yang digunakan adalah metode kuantitatif. Data yang dibutuhkan dalam penelitian adalah data sekunder yang diperoleh dari laporan keuangan PT. Bank Syariah Mandiri Tbk periode 2011-2020. Metode analisis yang digunakan dalam penelitian ini adalah analisis kuantitatif Secara parsial Financing to Deposit Ratio (FDR) tidak berpengaruh signifikan terhadap ROA PT Bank Syariah Mandiri Tbk, Non Performing Financing (NPF) berpengaruh signifikan terhadap ROA PT Bank Syariah Mandiri Tbk, dan Pendapatan Operasional Biaya Operasional (BOPO) berpengaruh signifikan terhadap ROA PT.Sementara secara simultan (Uji F) yang telah dianalisis dapat diketahui bahwa FDR, NPF dan BOPO secara simultan berpengaruh terhadap ROA PT Bank Syariah Mandiri Tbk.References
A.Wangsawidjaja. (2012). Pembiayaan Bank Syariah. Jakarta : PT. Gramedia Pustaka Utama.
Fahmi, Irham. (2016). Pengantar Manajemen Keuangan. Bandung:Alfabeta.
Hakim, L., Sunardi, N. (2017). Determinant of leverage and it's implication on company value of real estate and property sector listing in IDX period of 2011-2015. Man in India, 97(24), pp. 131-148.
Havidz, Shinta Amalina Hazrati., dan Candra Setiawan. (2015). A Comparative Study Of Efficiency Between Conventional And Islamic Banks In Indonesia. Asian Economic and Financial Review, 5(5):790-804.
Husain, T., & Sunardi, N. (2020). Firm's Value Prediction Based on Profitability Ratios and Dividend Policy. Finance & Economics Review, 2(2), 13-26.
Kadim, A., & Sunardi, N. (2022). Financial Management System (QRIS) based on UTAUT Model Approach in Jabodetabek. International Journal of Artificial Intelligence Research, 6(1).
Kadim, A., Sunardi, N & Husain, T. (2020). The modeling firm's value based on financial ratios, intellectual capital and dividend policy.Accounting, 6(5), 859-870.
Kasmir. (2012). Analisis Laporan Keuangan. PT.Raja Grafindo Persada : Jakarta.
Kasmir., (2014). Analisis Laporan Keuangan, Rajawali Pers, PT. Raja Grafindo Persada, Jakarta.
Mahardika, R., E. Nuraina, dan P. Widhianingrum, (2015), Analisis Faktor-Faktor yang Berpengaruh terhadap Pemilihan Metode Akuntansi Persediaan (Studi pada Perusahaan Manufaktur yang Terdaftar di Bursa Efek Indonesia), Jurnal Akuntansi dan Pendidikan, Vol. 4, No. 2, Oktober: 99-109.
Mismiwati. (2016). Pengaruh CAR, NIM, BOPO, LDR dan NPL Terhadap ROA. IFinance, 2(1):55-74.
Nardi Sunardi Et Al (2020). Determinants of Debt Policy and Company’s Performance, International Journal of Economics and Business Administration Volume VIII Issue 4, 204-213
Pandia, Frianto. (2012). Manajemen Dana dan Kesehatan Bank. Jakarta: Penerbit Rineka Cipta.
Pratiwi, L. P. S. W., dan Wiagustini, N. L. P. (2015). Pengaruh CAR, BOPO, NPL dan LDR Terhadap profitabilitas. E-Jurnal Manajement Unud, 5(4): 2137-2166.
Sudarsono, Heri. (2012). Bank Dan Lembaga Keuangan Syariah:Deskripsi Dan Ilustrasi. Yogyakarta: Ekosoria.
Sugiyono. (2017). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Bandung : Alfabeta, CV.
Sunardi, N., & Lesmana, R. (2020). Konsep Icepower (Wiramadu) sebagai Solusi Wirausaha menuju Desa Sejahtra Mandiri (DMS) pada Masa Pandemi Covid-19. JIMF (Jurnal Ilmiah Manajemen Forkamma), 4(1).
Veithzal Rivai. (2013). Manajemen Sumber Daya Manusia Untuk Perusahaan Dari Teori Ke Praktek. Bandung: Rajagrafindo Persada.
Wardiah, M.L dan Juhaya S. Pradja, (2013). Dasar-dasar Perbankan, Bandung: Pustaka Setia.
www.idx.co.id
www.syariahmandiri.co.id.
https://www.bankbsi.co.id/companyinformation/reports?type=triwulan
https://www.bankbsi.co.id/companyinformation/reports?type=tahunan
Downloads
Published
Issue
Section
License
Open Access
JIMF (Jurnal Ilmiah Manajemen Forkamma) is a national peer reviewed and open access journal that publishes significant and important research from all area of agroindustry.
This journal provides immediate open access to its content that making research publish in this journal freely available to the public that supports a greater exchange of knowledge.
Copyright
Submission of a manuscript implies that the submitted work has not been published before (except as part of a thesis or report, or abstract); that it is not under consideration for publication elsewhere; that its publication has been approved by all co-authors. If and when the manuscript is accepted for publication, the author(s) still hold the copyright and retain publishing rights without restrictions. Authors or others are allowed to multiply article as long as not for commercial purposes. For the new invention, authors are suggested to manage its patent before published. The license type is CC-BY-SA 4.0.
Disclaimer
No responsibility is assumed by publisher and co-publishers, nor by the editors for any injury and/or damage to persons or property as a result of any actual or alleged libelous statements, infringement of intellectual property or privacy rights, or products liability, whether resulting from negligence or otherwise, or from any use or operation of any ideas, instructions, procedures, products or methods contained in the material therein.
