Pengaruh Non Performance Financing (NPF), Capitak Adequacy Rato (CAR), Pendapatan Operasional (BOPO), dan Return on Assets (ROA) terhadap (FDR) Studi Kuantitatif pada Bank Umum Syariah di Indonesia Periode 2019–2023

2024-12-18T09:05:48+07:00

ABSTRACT

The Islamic banking industry in Indonesia has experienced rapid growth following the enactment of Law No. 21 of 2008, which provides a strong legal foundation for its operations. However, the sector still faces various challenges, including competition from conventional banks and economic instability. One important indicator for assessing the effectiveness of fund distribution is the Financing to Deposit Ratio (FDR), which reflects a bank’s ability to distribute financing based on the funds it has raised. This study aims to examine the impact of Non-Performing Financing (NPF), Capital Adequacy Ratio (CAR), Operating Expenses to Operating Income (BOPO), and Return on Assets (ROA) on FDR in Islamic Commercial Banks registered with the Financial Services Authority (OJK) during the period 2019–2023. The research employs a quantitative approach using secondary data obtained from the annual financial statements of five Islamic banks that meet purposive sampling criteria. Data analysis techniques include panel data regression with Common Effect Model (CEM), Fixed Effect Model (FEM), and Random Effect Model (REM) estimations. The findings show that NPF, CAR, and BOPO significantly affect FDR, while ROA has no significant impact. Simultaneously, these four variables collectively influence FDR. These findings offer valuable insights into the management of risk and operational efficiency in Islamic banks to improve financial stability and financing distribution capabilities. This study recommends that Islamic banks strengthen financing risk management and operational efficiency to enhance FDR and financial stability.

Keywords: Non-Performing Financing, Capital Adequacy Ratio, Operating Expenses to Operating Income, Return on Assets, Financing to Deposit Ratio.

Analisis Rendahnya Produktivitas CV. Dua Putra Srikandi dalam Meningkatkan Pendapatan Karyawan Di Padang Kadok Kecamatan Kinali (Studi Kasus CV. Dua Putra Srikandi di Padang Kadok)

2024-12-20T10:45:48+07:00

ABSTRACT

This study aims to analyze the factors affecting low productivity at CV. Dua Putra Srikandi, an oil palm processing company located in Padang Kadok, Kinali District. The decrease in productivity is influenced by several constraints, including limited production facilities, lack of employee training and motivation, and inadequate working conditions. The research uses a descriptive qualitative approach with data collection through observation, structured and semi-structured interviews, and document analysis. The results show that the main factors contributing to low productivity are the limited skills of employees, insufficient production facilities, and low work motivation. The impacts include financial losses, product quality decline, and loss of competitiveness. This study recommends strategic steps such as increasing production capacity, routine skills training, and maintaining facilities and equipment. It is expected that with the implementation of these recommendations, CV. Dua Putra Srikandi can improve operational efficiency and productivity, ultimately positively impacting employee welfare and the company’s competitiveness.

Keywords: Productivity, CV. Dua Putra Srikandi, Employee Skills, Production Facilities, Work Motivation, Product Quality, Competitiveness.

At Tasyri'i : Jurnal Program Studi Perbankan Syariah

Pengaruh Non Performance Financing (NPF), Capitak Adequacy Rato (CAR), Pendapatan Operasional (BOPO), dan Return on Assets (ROA) terhadap (FDR) Studi Kuantitatif pada Bank Umum Syariah di Indonesia Periode 2019–2023

Analisis Rendahnya Produktivitas CV. Dua Putra Srikandi dalam Meningkatkan Pendapatan Karyawan Di Padang Kadok Kecamatan Kinali (Studi Kasus CV. Dua Putra Srikandi di Padang Kadok)