THE INFLUENCE OF OPERATIONAL COSTS (BOPO), THIRD PARTY FUNDING
PROFIT SHARING (DPK), AND CASH RATIO ON PROFITABILITY WITH
MURABAHAH FINANCING AS A MODERATION VARIABLE
IN SUMUT SHARIAH BANK
Dublin Core
Title
THE INFLUENCE OF OPERATIONAL COSTS (BOPO), THIRD PARTY FUNDING
PROFIT SHARING (DPK), AND CASH RATIO ON PROFITABILITY WITH
MURABAHAH FINANCING AS A MODERATION VARIABLE
IN SUMUT SHARIAH BANK
PROFIT SHARING (DPK), AND CASH RATIO ON PROFITABILITY WITH
MURABAHAH FINANCING AS A MODERATION VARIABLE
IN SUMUT SHARIAH BANK
Subject
Operating Costs, Profit Sharing Of Third Party Funds And Cash Ratios To
Profitability
Profitability
Description
Profitability is a company's expertise in generating margins or profits as long as
the company operates. Financing at Bank Sumut Syariah can be considered as one
of the driving factors for increasing the profitability of a bank. It's just that the
financing contained in Bank Sumut Syariah does not fully affect profitability, but
other factors that most affect the profitability of the bank. The purpose of this
research is to show whether Operational Costs (X1), Profit Sharing of Third Party
Funds (X2) and also Cash Ratio (X3) have an influence on profits or profit (Y) with
Murabahah Financing (Z) as a moderating variables. For this reason, the
researchers here used the SEM analysis research method and Bootstrapping using
SMARTPLS with secondary data and the nature of the quantitative research used in
testing the data that had been obtained at Bank Sumut Syariah. In this study, the
results obtained were that the variables BOPO (X1), DPK (X2), CR (X3) and also
Murabahah Financing (Z) did not have a relevant impact on Profitability (Y) of PT
Bank Sumut Syariah which had been processed and conclusions drawn from
several tests that have been carried out. Then it was also obtained from the
research that the Murabahah Financing itself weakened the relationship between
DPK and ROA. And also Murabaha financing weakens the relationship between
CR and ROA. However, Murabahah Financing strengthens the relationship
between BOPO and ROA. So it can be said that Murabahah Financing moderates
the effect of BOPO on ROA. However, Murabahah Financing cannot moderate the
effect of TPF on ROA nor can it moderate the effect of CR on ROA.
the company operates. Financing at Bank Sumut Syariah can be considered as one
of the driving factors for increasing the profitability of a bank. It's just that the
financing contained in Bank Sumut Syariah does not fully affect profitability, but
other factors that most affect the profitability of the bank. The purpose of this
research is to show whether Operational Costs (X1), Profit Sharing of Third Party
Funds (X2) and also Cash Ratio (X3) have an influence on profits or profit (Y) with
Murabahah Financing (Z) as a moderating variables. For this reason, the
researchers here used the SEM analysis research method and Bootstrapping using
SMARTPLS with secondary data and the nature of the quantitative research used in
testing the data that had been obtained at Bank Sumut Syariah. In this study, the
results obtained were that the variables BOPO (X1), DPK (X2), CR (X3) and also
Murabahah Financing (Z) did not have a relevant impact on Profitability (Y) of PT
Bank Sumut Syariah which had been processed and conclusions drawn from
several tests that have been carried out. Then it was also obtained from the
research that the Murabahah Financing itself weakened the relationship between
DPK and ROA. And also Murabaha financing weakens the relationship between
CR and ROA. However, Murabahah Financing strengthens the relationship
between BOPO and ROA. So it can be said that Murabahah Financing moderates
the effect of BOPO on ROA. However, Murabahah Financing cannot moderate the
effect of TPF on ROA nor can it moderate the effect of CR on ROA.
Creator
Maylin Azzahra, Tri Inda Fadhila Rahma, Nur Ahmadi Bi Rahmani
Source
https://jurnal.stie-aas.ac.id/index.php/IJEBAR
Date
2024
Contributor
PERI IRAWAN
Format
PDF
Language
ENGLISH
Type
TEXT
Files
Citation
Maylin Azzahra, Tri Inda Fadhila Rahma, Nur Ahmadi Bi Rahmani, “THE INFLUENCE OF OPERATIONAL COSTS (BOPO), THIRD PARTY FUNDING
PROFIT SHARING (DPK), AND CASH RATIO ON PROFITABILITY WITH
MURABAHAH FINANCING AS A MODERATION VARIABLE
IN SUMUT SHARIAH BANK,” Repository Horizon University Indonesia, accessed March 13, 2025, https://repository.horizon.ac.id/items/show/7010.
PROFIT SHARING (DPK), AND CASH RATIO ON PROFITABILITY WITH
MURABAHAH FINANCING AS A MODERATION VARIABLE
IN SUMUT SHARIAH BANK,” Repository Horizon University Indonesia, accessed March 13, 2025, https://repository.horizon.ac.id/items/show/7010.