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Submitted
Sep 25, 2024
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Nov 13, 2024
Published
Nov 13, 2024
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Abstract

Sharia banks as companies still have a goal of profit, where revenue is often charity as a measure of corporation performance. One of profit ratios is profit to use ROA. ROA canbe influenced to various factors and on this study it is built on net performance financing (NPF), financing to deposit ratio (FDR) and net rewards (NI). This study purposes to define the effect of ratio NPF, ratio FDR and ratio NI on ratio ROA. The research population is sharia banks listing on the Stock Exchange in Indonesia. Sampling method use is saturated sample. The data use is 56 on 4 Islamic banking companies with data from quarter’s I-IV of 2021 to quarter II of 2024 or the data used is polling. The analysis technique use panel data regresion. The research outcomes that partial NPF not significant toward  ROA, FDR significant toward  ROA and NI significant toward ROA. Simultaneously NPF, FDR and NI are significant to ROA.

Keywords

Bank Syariah FDR, NI, NPF, ROA

Article Details

How to Cite
Zulkarnain, M. (2024). Determinants of ROA in Sharia Banks: The Role of NPF, FDR, and Net Imbalan on Profitability. J-EBIS (Jurnal Ekonomi Dan Bisnis Islam), 9(2). https://doi.org/10.32505/j-ebis.v9i2.9505

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