Electronic Theses and Dissertation

Determination of inflation, non performing financing (npf), financing to deposit ratio (fdr), bank size, and age on the profitability of sharia banks by : rizki irham npm : 2101203010024 supervisor : 1. prof. dr. mirna indriani, s.e., m.si., ak. c.a. 2. dr. nuraini a, s.e., m.si., ak., c.a. abstract this study aims to determine the effect of inflation, npf, fdr, size, and age on the profitability of islamic banks. this study was conducted on 12 islamic commercial banks in indonesia using the unbalanced panel data regression analysis method. because one of the variables in this study is the age starting from the bank's entry into islamic law until the year of the study, the number of observation years for each bank will be different. data were taken from the financial statements of each bank for the period 2014-2023 totaling 100 data. this study used the random effect model (rem). the results of the study indicate that: 1) npf has a negative effect on profitability in islamic commercial banks in indonesia, 2) size has a positive effect on profitability in islamic commercial banks in indonesia, 3) inflation does not significantly affect profitability in islamic commercial banks in indonesia, 4) fdr does not significantly affect profitability in islamic commercial banks in indonesia, and 5) age does not significantly affect profitability in islamic commercial banks in indonesia. keywords: profitability, non performing financing, size, inflation, financing to deposit ratio, age

DETERMINASI INFLASI, NON PERFORMING FINANCING (NPF), FINANCING TO DEPOSIT RATIO (FDR), UKURAN, DAN UMUR BANK TERHADAP PROFITABILITAS BANK SYARIAH Oleh : Rizki Irham NPM : 2101203010024 Pembimbing : 1. Prof. Dr. Mirna Indriani, S.E., M.Si., Ak. C.A. 2. Dr. Nuraini A, S.E., M.Si., Ak., C.A. ABSTRAK Penelitian ini bertujuan untuk mengetahui pengaruh inflasi, NPF, FDR, ukuran, dan umur terhadap profitabilitas bank syariah. Penelitian ini dilakukan terhadap 12 Bank Umum Syariah (BUS) yang ada di Indonesia dengan metode analisis regresi data panel unbalance. Karena salah satu variabel dalam penelitian ini adalah umur yang dimulai dari bank tersebut menjadi syariah sampai tahun penelitian, maka jumlah tahun pengamatan untuk setiap bank akan berbeda. Data diambil dari laporan keuangan masing-masing bank periode 2014-2023 sebanyak 100 data. Penelitian ini menggunakan model Random Effect Model (REM). Hasil penelitian menunjukkan bahwa: 1) NPF berpengaruh negatif terhadap profitabilitas pada bank umum syariah di Indonesia, 2) ukuran berpengaruh positif terhadap profitabilitas pada bank umum syariah di Indonesia, 3) inflasi tidak berpengaruh signifikan terhadap profitabilitas pada bank umum syariah di Indonesia, 4) FDR tidak berpengaruh signifikan terhadap profitabilitas pada bank umum syariah di Indonesia, dan 5) umur tidak berpengaruh signifikan terhadap profitabilitas pada bank umum syariah di Indonesia. Kata Kunci: Profitabilitas, Non Performing Financing, Ukuran, Inflasi, Financing To Deposit Ratio, Umur