Peran Net Interest Margin Dalam Memediasi Hubungan Faktor-Faktor Yang Mempengaruhi Return On Asset
This research aims to show the effect of capital adequacy ratio (CAR), non-performing financing (NPF), and operating costs of operating income (OCOI) on return on assets (ROA) with net interest margin (NIM) as an intervening variable. This quantitative research uses secondary data in panel data with...
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| Format: | Article |
| Language: | English |
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LPPM Institut Syariah Negeri Junjungan (ISNJ) Bengkalis
2022-04-01
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| Series: | Jurnal Perbankan Syariah |
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| Online Access: | https://ejournal.stiesyariahbengkalis.ac.id/index.php/jps/article/view/509 |
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| author | Puji Endah Purnamasari Intan Iriana Renanda |
| author_facet | Puji Endah Purnamasari Intan Iriana Renanda |
| author_sort | Puji Endah Purnamasari |
| collection | DOAJ |
| description | This research aims to show the effect of capital adequacy ratio (CAR), non-performing financing (NPF), and operating costs of operating income (OCOI) on return on assets (ROA) with net interest margin (NIM) as an intervening variable. This quantitative research uses secondary data in panel data with a purposive sampling technique. The sample used was five Islamic commercial banks (ICB) registered with the Financial Services Authority (FSA) from 2016 to 2020. Data analysis uses descriptive, stationary, regression, classical assumptions, and path analysis. This research shows that CAR, NPF, and OCOI partially do not affect NIM. CAR has a positive and significant effect on ROA. OCOI has a negative effect on ROA. NPF does not affect ROA. NIM has a positive and significant effect on ROA. NIM cannot mediate the effect of CAR on ROA. However, NIM can mediate the effect of NPF and OCOI on ROA. This research complements existing theories and can be used to reference ICB in improving performance. |
| format | Article |
| id | doaj-art-9865f95f3e684fa5a9d3b29283bab3d6 |
| institution | OA Journals |
| issn | 2721-6241 2721-7094 |
| language | English |
| publishDate | 2022-04-01 |
| publisher | LPPM Institut Syariah Negeri Junjungan (ISNJ) Bengkalis |
| record_format | Article |
| series | Jurnal Perbankan Syariah |
| spelling | doaj-art-9865f95f3e684fa5a9d3b29283bab3d62025-08-20T01:58:23ZengLPPM Institut Syariah Negeri Junjungan (ISNJ) BengkalisJurnal Perbankan Syariah2721-62412721-70942022-04-0131577110.46367/jps.v3i1.509509Peran Net Interest Margin Dalam Memediasi Hubungan Faktor-Faktor Yang Mempengaruhi Return On AssetPuji Endah Purnamasari0Intan Iriana Renanda1Universitas Islam Negeri Maulana Malik Ibrahim Malang, IndonesiaUniversitas Islam Negeri Maulana Malik Ibrahim Malang, IndonesiaThis research aims to show the effect of capital adequacy ratio (CAR), non-performing financing (NPF), and operating costs of operating income (OCOI) on return on assets (ROA) with net interest margin (NIM) as an intervening variable. This quantitative research uses secondary data in panel data with a purposive sampling technique. The sample used was five Islamic commercial banks (ICB) registered with the Financial Services Authority (FSA) from 2016 to 2020. Data analysis uses descriptive, stationary, regression, classical assumptions, and path analysis. This research shows that CAR, NPF, and OCOI partially do not affect NIM. CAR has a positive and significant effect on ROA. OCOI has a negative effect on ROA. NPF does not affect ROA. NIM has a positive and significant effect on ROA. NIM cannot mediate the effect of CAR on ROA. However, NIM can mediate the effect of NPF and OCOI on ROA. This research complements existing theories and can be used to reference ICB in improving performance.https://ejournal.stiesyariahbengkalis.ac.id/index.php/jps/article/view/509carnpfocoiroanim |
| spellingShingle | Puji Endah Purnamasari Intan Iriana Renanda Peran Net Interest Margin Dalam Memediasi Hubungan Faktor-Faktor Yang Mempengaruhi Return On Asset Jurnal Perbankan Syariah car npf ocoi roa nim |
| title | Peran Net Interest Margin Dalam Memediasi Hubungan Faktor-Faktor Yang Mempengaruhi Return On Asset |
| title_full | Peran Net Interest Margin Dalam Memediasi Hubungan Faktor-Faktor Yang Mempengaruhi Return On Asset |
| title_fullStr | Peran Net Interest Margin Dalam Memediasi Hubungan Faktor-Faktor Yang Mempengaruhi Return On Asset |
| title_full_unstemmed | Peran Net Interest Margin Dalam Memediasi Hubungan Faktor-Faktor Yang Mempengaruhi Return On Asset |
| title_short | Peran Net Interest Margin Dalam Memediasi Hubungan Faktor-Faktor Yang Mempengaruhi Return On Asset |
| title_sort | peran net interest margin dalam memediasi hubungan faktor faktor yang mempengaruhi return on asset |
| topic | car npf ocoi roa nim |
| url | https://ejournal.stiesyariahbengkalis.ac.id/index.php/jps/article/view/509 |
| work_keys_str_mv | AT pujiendahpurnamasari perannetinterestmargindalammemediasihubunganfaktorfaktoryangmempengaruhireturnonasset AT intanirianarenanda perannetinterestmargindalammemediasihubunganfaktorfaktoryangmempengaruhireturnonasset |