eprintid: 49325 rev_number: 17 eprint_status: archive userid: 20376 dir: disk0/00/04/93/25 datestamp: 2025-06-05 09:16:12 lastmod: 2025-06-05 09:16:12 status_changed: 2025-06-05 09:16:12 type: thesis metadata_visibility: show creators_name: TAMAMI, TAMAMI creators_id: 5554210021 contributors_type: http://www.loc.gov/loc.terms/relators/THS contributors_type: http://www.loc.gov/loc.terms/relators/THS contributors_name: MUKHSIN, MOH contributors_name: FATONI, AHMAD contributors_id: 196806142007011001 contributors_id: 199209292019031019 corp_creators: UNIVERSITAS SULTAN AGENG TIRTAYASA corp_creators: FAKULTAS EKONOMI DAN BISNIS corp_creators: JURUSAN EKONOMI SYARIAH title: PENGARUH KECUKUPAN MODAL, PEMBIAYAAN, DAN PERTUMBUHAN EKONOMI TERHADAP PROFITABILITAS BANK UMUM SYARIAH PERIODE 2019-2024 ispublished: pub subjects: HB divisions: FEB divisions: EkSy full_text_status: restricted keywords: Capital adequacy, problematic financing, MSME financing, non-MSME financing, economic growth, profitability Kecukupan modal, pembiayaan bermasalah, pembiayaan UMKM, pembiayaan non UMKM, pertumbuhan ekonomi, profitabilitas note: Penelitian ini bertujuan untuk mengetahui apakah terdapat pengaruh antara kecukupan modal (CAR), pembiayaan bermasalah (NPF), pembiayaan UMKM, pembiayaan non UMKM, dan pertumbuhan ekonomi terhadap profitabilitas Bank Umum Syariah periode 2019-2024. Dalam penelitian ini data yang digunakan adalah data sekunder. Data yang digunakan adalah data quartalan 2019 sampai 2024. Penelitian ini menggunakan pendekatan kuantitatif, melalui analisis regresi Time Series dan Uji Error Correction Model (ECM) dengan program komputer Eviews 12.0. Hasil penelitian ini menunjukan secara parsial bahwa dalam hubungan jangka panjang pembiayaan UMKM, pertumbuhan ekonomi berpengaruh positif terhadap profitabilitas Bank Umum Syariah, sedangkan kecukupan modal (CAR), pembiayaan bermasalah (NPF), pembiayaan non UMKM tidak berpengaruh terhadap profitabilitas Bank Umum Syariah. Dalam jangka pendek kecukupan modal (CAR), pembiayaan bermasalah (NPF), pembiayaan UMKM, dan pertumbuhan ekonomi berpengaruh positif terhadap profitabilitas Bank Umum syariah, sedangkan pembiayaan non UMKM tidak berpengaruh terhadap profitabilitas Bank Umum Syariah. Secara simultan variabel kecukupan modal (CAR), pembiayaan bermasalah (NPF), pembiayaan UMKM, pembiayaan non UMKM, dan pertumbuhan ekonomi secara bersama-sama berpengaruh positif terhadap profitabilitas Bank Umum Syariah. abstract: This study aims to determine whether there is an influence between capital adequacy (CAR), non-performing financing (NPF), MSME financing, non-MSME financing, and economic growth on the profitability of Islamic Commercial Banks for the period 2019-2024. In this study, the data used is secondary data. The data used is Quarterly data from 2019 to 2024. This study uses a quantitative approach, through Time Series regression analysis and Error Correction Model (ECM) Testing with the Eviews 12.0 computer program. The results of this study indicate partially that in the long-term relationship of MSME financing, economic growth has a positive effect on the profitability of Islamic Commercial Banks, while capital adequacy (CAR), non-performing financing (NPF), non-MSME financing does not affect the profitability of Islamic Commercial Banks. In the short term, capital adequacy (CAR), non-performing financing (NPF), MSME financing, and economic growth have a positive effect on the profitability of Islamic Commercial Banks, while non-MSME financing does not affect the profitability of Islamic Commercial Banks. Simultaneously, the variables of capital adequacy (CAR), non performing financing (NPF), MSME financing, non-MSME financing, and economic growth together have a positive effect on the profitability of Islamic Commercial Banks. date: 2025 date_type: published pages: 136 institution: UNIVERSITAS SULTAN AGENG TIRTAYASA department: EKONOMI SYARIAH thesis_type: sarjana thesis_name: sarjana citation: TAMAMI, TAMAMI (2025) PENGARUH KECUKUPAN MODAL, PEMBIAYAAN, DAN PERTUMBUHAN EKONOMI TERHADAP PROFITABILITAS BANK UMUM SYARIAH PERIODE 2019-2024. S1 thesis, UNIVERSITAS SULTAN AGENG TIRTAYASA. document_url: https://eprints.untirta.ac.id/49325/1/Tamami_5554210021_fulltext.pdf document_url: https://eprints.untirta.ac.id/49325/3/Tamami_5554210021_01.pdf document_url: https://eprints.untirta.ac.id/49325/4/Tamami_5554210021_02.pdf document_url: https://eprints.untirta.ac.id/49325/5/Tamami_5554210021_03.pdf document_url: https://eprints.untirta.ac.id/49325/6/Tamami_5554210021_04.pdf document_url: https://eprints.untirta.ac.id/49325/7/Tamami_5554210021_05.pdf document_url: https://eprints.untirta.ac.id/49325/8/Tamami_5554210021_Ref.pdf document_url: https://eprints.untirta.ac.id/49325/9/Tamami_5554210021_lamp.pdf