THIRD-PARTY FUNDS, CAPITAL ADEQUATE RATIO, PROFIT-SHARING FINANCING, AND NON-PERFORMING FINANCING ON PROFITABILITY IN SHARIA COMMERCIAL BANKS IN INDONESIA

IF 1.5 Q2 EDUCATION & EDUCATIONAL RESEARCH International Journal of Information and Communication Technology Education Pub Date : 2023-02-27 DOI:10.58217/joce-ip.v17i1.296

Siti Maesaroh

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Abstract

This study aims to examine whether there is an influence from the mechanism of Third-Party Funds, Capital Adequate Ratio (CAR), Profit sharing financing, and Problematic financing on profitability in Islamic commercial banks for the period 2016-2020 with a total sample of 8 Islamic commercial banks in Indonesia. The analysis used in analysis multiple linear regression with the SPSS 18.00 analysis tool. The results of the data test stated that the f-test showed that all variables affected the profitability of Islamic commercial banks in Indonesia. Whereas through the t-test the variables of Third-party Funds (DPK), Capital Adequate Ratio (CAR), and profit-sharing financing have no effect on profitability in Islamic commercial banks in Indonesia while Non-Performing Financing (NPF) has an influence on profitability in Islamic commercial banks in Indonesia. Keywords: Third Party Funds, Capital Adequate Ratio, Profit sharing financing, Non Performing Financing, Profitability

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第三方资金、资本充足率、利润分成融资、不良融资对印尼伊斯兰商业银行盈利能力的影响

本研究以印尼8家伊斯兰商业银行为样本，考察第三方资金机制、资本充足率(CAR)、利润分享融资和问题融资对伊斯兰商业银行2016-2020年盈利能力的影响。本分析采用SPSS 18.00分析工具进行多元线性回归分析。数据检验的结果表明，f检验表明所有变量都影响印度尼西亚伊斯兰商业银行的盈利能力。而通过t检验，第三方资金(DPK)、资本充足率(CAR)和利润分享融资对印尼伊斯兰商业银行的盈利能力没有影响，而不良融资(NPF)对印尼伊斯兰商业银行的盈利能力有影响。关键词:第三方资金，资本充足率，利润分享融资，不良融资，盈利能力

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来源期刊

International Journal of Information and Communication Technology Education EDUCATION & EDUCATIONAL RESEARCH-

CiteScore

4.20

自引率

10.00%

发文量

期刊介绍： IJICTE publishes contributions from all disciplines of information technology education. In particular, the journal supports multidisciplinary research in the following areas: •Acceptable use policies and fair use laws •Administrative applications of information technology education •Corporate information technology training •Data-driven decision making and strategic technology planning •Educational/ training software evaluation •Effective planning, marketing, management and leadership of technology education •Impact of technology in society and related equity issues