Pidiyana, Pitri (2025) ANALISIS PENGARUH COVID-19, UKURAN PERUSAHAAN, MANAJEMEN ASET, LEVERAGE, FINANCING TO DEPOSIT RATIO, INFLASI, DAN PRODUK DOMESTIK BRUTO TERHADAP PROFITABILITAS PERBANKAN SYARIAH DI INDONESIA TAHUN 2019-2024. S1 thesis, Universitas Sultan Ageng Tirtayasa.
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Abstract
This study aims to analyze the effect of Covid-19, firm size, asset management, leverage, financing to deposit ratio (FDR), inflation, and gross domestic product (GDP) on the profitability of Islamic commercial banks in Indonesia during the period 2019–2024. Profitability is measured using Return on Assets (ROA) and Return on Risk-Weighted Assets (RORWA). The population in this study consists of 13 Islamic commercial banks, with 11 banks selected as samples using a purposive sampling method. The data used is quarterly panel data from 2019 to 2024 and analyzed using multiple panel data regression with the help of EViews 12 software. The research findings indicate that asset management, FDR, and GDP have a significant effect on profitability, both ROA and RORWA. Meanwhile, Covid-19, firm size, and leverage have a significant effect on ROA but not on RORWA. Inflation does not have a significant effect on profitability as measured by either ROA or RORWA. The implication of these findings is the need for Islamic commercial bank management to strengthen asset management strategies, improve the effectiveness of financing distribution, and be more vigilant against external risks such as economic crises and pandemics, in order to maintain stability and enhance profitability in the future
| Item Type: | Thesis (S1) | |||||||||
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| Additional Information: | Penelitian ini bertujuan untuk menganalisis pengaruh Covid-19, ukuran perusahaan, manajemen aset, leverage, financing to deposit ratio (FDR), inflasi, dan produk domestik bruto (PDB) terhadap profitabilitas perbankan syariah di Indonesia pada periode 2019– 2024. Profitabilitas diukur dengan menggunakan return on assets (ROA) dan return on risk-weighted assets (RORWA). Populasi dalam penelitian ini terdiri dari 13 bank umum syariah, dengan 11 bank yang dipilih sebagai sampel melalui metode purposive sampling. Data yang digunakan merupakan data panel triwulan tahun 2019 hingga 2024, dan dianalisis menggunakan regresi data panel berganda dengan bantuan software EViews 12. Hasil penelitian menunjukkan bahwa variabel manajemen aset, FDR, dan PDB berpengaruh signifikan terhadap profitabilitas baik itu ROA maupun RORWA. Covid-19, ukuran perusahaan, leverage berpengaruh signifikan terhadap ROA namun tidak signifikan terhadap RORWA. Inflasi tidak memiliki pengaruh signifikan terhadap profitabilitas yang diukur dengan ROA maupun RORWA. Implikasi dari temuan ini adalah perlunya manajemen bank umum syariah untuk memperkuat strategi pengelolaan aset, meningkatkan efektivitas penyaluran pembiayaan, dan lebih waspada terhadap risiko eksternal seperti krisis ekonomi dan pandemi, agar dapat menjaga stabilitas dan meningkatkan profitabilitas di masa mendatang. | |||||||||
| Uncontrolled Keywords: | Covid-19, Firm Size, Asset Management, Leverage, Financing to Deposit Ratio, Inflation, Gross Domestic Product, ROA, RORWA. Covid-19, Ukuran Perusahaan, Manajemen Aset, Leverage, Financing to Deposit Ratio, Inflasi, Produk Domestik Bruto, ROA, RORWA. | |||||||||
| Subjects: | H Social Sciences > H Social Sciences (General) H Social Sciences > HB Economic Theory |
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| Divisions: | 05-Fakultas Ekonomi dan Bisnis > Program Sarjana Ekonomi Syariah 05-Fakultas Ekonomi dan Bisnis |
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| Depositing User: | Pitri Pidiyana | |||||||||
| Date Deposited: | 14 Aug 2025 02:39 | |||||||||
| Last Modified: | 14 Aug 2025 02:39 | |||||||||
| URI: | http://eprints.untirta.ac.id/id/eprint/51919 |
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