ANALISIS PENGARUH RISIKO BANK TERHADAP PROFITABILITAS BANK SYARIAH PERIODE 2020-2023

Krisma Sri Pamungkas Lindung Prakoso; Muhammad Sholahudin

doi:10.34127/jrlab.v14i1.1352

Authors

Krisma Sri Pamungkas Lindung Prakoso Universitas Muhammadiyah Surakarta
Muhammad Sholahudin Universitas Muhammadiyah Surakarta

DOI:

https://doi.org/10.34127/jrlab.v14i1.1352

Keywords:

Islamic Bank, Profitability, Bank Risk

Abstract

This study aims to analyze the effect of Bank risk on the profitability of Islamic Banks for the period 2020-2023. This research method uses a quantitative approach. The data collection method in this study uses the documentation method. The population used is all Islamic banks listed on the Indonesia Stock Exchange (IDX) in the 2020-2023 period with a total of 33 companies. The sampling technique in this study used probability sampling. The data used in this study are secondary data. The data source used is through the analysis of the financial statements of all companies that are the research sample with a period range of 2020-2023. The data analysis technique in this study used panel data regression analysis. The results of this study are that simultaneously all NPF, CAR, and BOPO variables can have a significant effect on ROA at Islamic banks in 2020-2023. Partially, the NPF and CAR variables do not have a significant effect on ROA growth at Islamic Banks in 2020-2023. Partially, the BOPO variable can have a significant negative effect on ROA growth at Islamic Banks in 2020-2023.

References

Adhim, C. (2019). Pengaruh Resiko Kredit, Resiko Likuiditas, Efisiensi Manajemen terhadap Profitabilitas: Studi pada Perbankan yang Terdaftar di Bursa Efek Indonesia. Cendekia: Jurnal Pendidikan Dan Pembelajaran, 13(2), 141–152. https://doi.org/10.30957/cendekia.v13i2.604

Andiansyah, Gladis. dkk. (2020). The Effect of CAR, NPL, BOPO, and LDR on ROA with NIM as an Intervening Variable (Study on Banks that Go Public on the Indonesia Stock Exchange for the 2015-2018 Period). Proceeding SENDIU 2020, 560–567.

Anindyastri, R., Lestari, W. D., & Sholahuddin, M. (2022). The Influence of Financial Technology (Fintech) on the Financial Performance of Islamic Banking (Study on Islamic Banking listed on the Indonesia Stock Exchange Period 2016-2020). Benefit: Jurnal Manajemen Dan Bisnis, 7(1), 80–92. https://doi.org/10.23917/benefit.v7i1.18051

Ash-Shiddiqy, M. (2019). Analisis Profitabilitas Bank Umum Syariah Yang Menggunakan Rasio Return on Asset (Roa) Dan Return on Equity (Roe). Imara: JURNAL RISET EKONOMI ISLAM, 3(2), 117. https://doi.org/10.31958/imara.v3i2.1659

Claudia, M., & Yusbardini, Y. (2022). Pengaruh Manajemen Risiko dan Manajemen Modal Kerja terhadap Profitabilitas Bank BUMN yang Terdaftar dalam BEI. Jurnal Manajerial Dan Kewirausahaan, 4(3), 826–835. https://doi.org/10.24912/jmk.v4i3.19777

Damayanti, N., & Lestari, W. D. (2024). Effect of Capital Aquency Ratio, Non-Performing Financing, Operational Efficiency Ratio, Financing to Deposit Ratio on Financial Performance of Sharia Banks. Atlantis Press International BV. https://doi.org/10.2991/978-94-6463-204-0_38

Destiani, I. R., Mayasari, I., Tamara, D. A. D., & Setiawan, S. (2023). Pengaruh CAR, NPF, FDR dan BOPO terhadap Profitabilitas BPRS di Indonesia. Journal of Applied Islamic Economics and Finance, 3(2), 356–372. https://doi.org/10.35313/jaief.v3i2.3766

Ferly, M. M., Rinofah, R., & Kusumawardhani, R. (2023). Analisis Pengaruh CAR dan BOPO Terhadap ROA Dengan NIM Sebagai Variabel Intervening Pada PT. Bank Pembangunan Daerah Kalimantan Periode Tahun 2011 – 2021. EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi Dan Bisnis, 11(2), 1207–1220. https://doi.org/10.37676/ekombis.v11i2.3966

Iman, M. A. N., & Kusdiyanto, K. (2024). Pengaruh Profitabilitas , Perilaku Karyawan , Dan Aglomerasi Terhadap Kinerja Karyawan ( Studi Kasus Pada Kantor Cabang. 7(2), 789–800.

Imronudin, I., Waskito, J., Cantika, I. B., & Sofiardhani, G. (2023). The Effect of Liquidity and Capital Structure to Increase Firm Value Through Increasing Financial Performance. Riset Akuntansi Dan Keuangan Indonesia, 7(3), 345–354. https://doi.org/10.23917/reaksi.v7i3.22174

Jahrotunnupus, N., & Manda, G. S. (2021). Analisis Pengaruh Risiko Kredit, Risiko Pasar dan Risiko Operasional Terhadap Profitabilitas pada Bank Umum BUMN yang Terdaftar di BEI Periode 2013-2020. Eksis: Jurnal Ilmiah Ekonomi Dan Bisnis, 12(2).

Kansil, D., Murni, S., & Tulung, E. J. (2018). Pengaruh Risiko Perbankan Terhadap Kinerja Keuangan Tahun 2013-2015 (Bank Pembangunan Daerah Se-Indonesia). Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis Dan Akuntansi, 5(3), 3508–3517.

Kusumastuti, W. I., & Alam, A. (2019). Analysis of Impact of CAR, NPF, BOPO on Profitability of Islamic Banks (Year 2015-2017). Journal of Islamic Economic Laws, 2(1), 30–59. https://doi.org/10.23917/jisel.v2i1.6370

Meliana, jeandry gregorius, & taher juliana. (2022). Pengaruh Ukuran Perusahaan, Profitabilitas, Leverage Dan likuiditas Terhadap Pengungkapan Islamic Social Reporting (ISR) Pada Bank Umum Syariah Di Indonesia Tahun 2015-2019. Risetakuntansi, 9(2), 1–15.

Pertiwi, R. E., Syaukat, Y., & Rachmina, D. (2020). Faktor Yang Memengaruhi Kredit Bermasalah Bank Konvensional Dan Syariah Di Indonesia. Jurnal Aplikasi Bisnis Dan Manajemen, 6(1), 118–127. https://doi.org/10.17358/jabm.6.1.118

Pointer, L. V., & Khoi, P. D. (2019). Predictors of return on assets and return on equity for banking and insurance companies on Vietnam stock exchange. Entrepreneurial Business and Economics Review, 7(4), 185–198. https://doi.org/10.15678/EBER.2019.070411

Prayoga, R. A., Supriyadi, D., & Nurhasanah, N. (2022). Pengaruh Biaya Operasional Pendapatan Operasional, Capital Adequacy Ratio Dan Resiko Kredit Terhadap Profitabilitas Pada Bank Umum BUMN Yang Terdaftar Di Bursa Efek Indonesia (BEI) Periode 2010 - 2020. Journal of Economic, Bussines and Accounting (COSTING), 5(2), 1122–1137. https://doi.org/10.31539/costing.v5i2.3298

Qolbi, F. A., Karisma, D. P., & Rosyadi, I. (2020). Macro Variable Effect Analysis and Non-Performing Financing (NPF) Against the Return On Asset (ROA) Islamic Banks In Indonesia Year 2008-2017. Journal of Islamic Economic Laws, 3(1), 32–47. https://doi.org/10.23917/jisel.v3i1.10170

Safitri, S. N., Mukharomah, W., Manajemen, P., Ekonomi, F., & Bisnis, D. (2023). Analisis Pengaruh Profitabilitas, Likuiditas, Risiko Kredit, Ukuran Bank, Dan Efisiensi Operasional Terhadap Rasio Kecukupan Modal Perbankan Umum Syariah Di Indonesia. Jurnal Bisnis Dan Manajemen, 3(4), 2477–1783.

Sholahuddin, M., & Purwaningtyas, Y. (2018). Analisis Data Panel Terhadap Profitabilitas Bank Syariah di Indonesia. The 7th University Research Colloquium 2018, 233–242.

Sugiyono. (2017). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Alfabeta.

Syafriani, D., Darmana, A., Syuhada, F. A., & Sari, D. P. (2023). Buku Ajar Statistik Uji Beda Untuk Penelitian Pendidikan (Cara Dan Pengolahannya Dengan SPSS). Cv.Eureka Media Aksara, 1–50.

Trisela, I. P., & Pristiana, U. (2020). Analisis Perbandingan Kinerja Keuangan Bank Syariah Dengan Bank Konvensional Yang Terdaftar Di Bursa Efek Indonesia Periode 2014 - 2018. JEM17: Jurnal Ekonomi Manajemen, 5(2), 83–106. https://doi.org/10.30996/jem17.v5i2.4610

Trisnawati, R., Mustikawati, S., & Sasongko, N. (2023). Enterprise Risk Management Disclosure and Ceo Characteristics: an Empirical Study of Go Public Companies in Indonesia. Business: Theory and Practice, 24(2), 379–391. https://doi.org/10.3846/btp.2023.18505

Wicaksono, W., Amah, N., & Devi, H. P. (2021). Analisis Perbedaan Kinerja Keuangan Antara Bank Konvensional Dan Bank Syariah Saat Pandemi Covid -19. Seminar Inovasi Manajemen Bisnis Dan Akuntansi (SIMBA) 3, 3(1), 1–21.

ANALISIS PENGARUH RISIKO BANK TERHADAP PROFITABILITAS BANK SYARIAH PERIODE 2020-2023

Authors

DOI:

Keywords:

Abstract

References

Downloads

Published

Issue

Section

License

Developed By