| dc.contributor.advisor | Nurhalim, Asep | |
| dc.contributor.advisor | Anhar, Muhammad | |
| dc.contributor.author | YANUAR, HAURA HIDAYATI | |
| dc.date.accessioned | 2025-08-25T22:53:01Z | |
| dc.date.available | 2025-08-25T22:53:01Z | |
| dc.date.issued | 2025 | |
| dc.identifier.uri | http://repository.ipb.ac.id/handle/123456789/170359 | |
| dc.description.abstract | Profitabilitas merupakan salah satu indikator kinerja lembaga keuangan, termasuk Bank Perekonomian Rakyat Syariah (BPRS), berperan dalam mendorong ekonomi umat melalui pembiayaan sektor riil. Tujuan penelitian ini adalah untuk menganalisis faktor-faktor yang memengaruhi profitabilitas Bank Perekonomian Rakyat Syariah (BPRS) di Indonesia. Penelitian menggunakan data tahunan yaitu periode 2018 hingga 2024 dengan metode regresi data panel, menggunakan data keuangan dari 150 BPRS. Hasil analisis data menunjukkan bahwa Biaya Operasional terhadap Pendapatan Operasional (BOPO) dan Non-Performing Financing (NPF) negatif secara signifikan terhadap profitabilitas BPRS. Sedangkan Capital Adequacy Ratio (CAR) dan BI Rate positif tetapi tidak signifikan terhadap profitabilitas. Gross Domestic Product (GDP) dan Covid-19 sebagai dummy berpengaruh negatif tidak signifikan terhadap profitabilitas BPRS. | |
| dc.description.abstract | Profitability is one of the key performance indicators for financial institutions, including Islamic Rural Banks (BPRS), which play a role in promoting the economic empowerment of communities through real sector financing. This study aims to analyze the factors that influence the profitability of BPRS in Indonesia. The research employs annual data covering the period from 2018 to 2024 and utilizes a panel data regression method, based on financial data from 150 BPRS. The analysis results indicate that Operating Expenses to Operating Income (BOPO) and Non-Performing Financing (NPF) have a negative and significant effect on BPRS profitability. Meanwhile, the Capital Adequacy Ratio (CAR) and Bank Indonesia Rate (BI Rate) show a positive but statistically insignificant effect. In addition, Gross Domestic Product (GDP) and the Covid-19 dummy variable have a negative and insignificant influence on the profitability of BPRS. | |
| dc.description.sponsorship | | |
| dc.language.iso | id | |
| dc.publisher | IPB University | id |
| dc.title | Faktor-faktor yang Memengaruhi Profitabilitas Bank Perekonomian Rakyat Syariah di Indonesia (BPRS) Periode 2018-2024 | id |
| dc.title.alternative | Factors Affecting The Profitability Of Islamic Rural Banks (BPRS) In Indonesia During The 2018–2024 Period | |
| dc.type | Skripsi | |
| dc.subject.keyword | BPRS | id |
| dc.subject.keyword | profitabilitas | id |
| dc.subject.keyword | regresi data panel | id |
| dc.subject.keyword | Efisiensi Operasional | id |
| dc.subject.keyword | pembiayaan syariah | id |
