The Effect of Non Performing Financing, Capital Adequacy Ratio, Financing to Deposit Ratio, and Provision for Earning Asset Losses on Profitability at Sharia Commercial Banks with Third-Party Fund as a Moderating Variable
This study was conducted to know the effect of NPF, CAR, FDR, and PPAP on Sharia Banking ROA with TPF as the moderating variable BUS in 2016-2021. This type of research uses quantitative with multiple regression analysis as data analysis sourced from secondary data. The model selected in this study uses panel data in the form of Common Effect Model annual data of NPF, CAR, FDR, PPAP, TPF, and ROA recorded in BUS for the 2016-2021 period. The research data obtained were analyzed using the Eviews 10 application tool. The results of the research conducted by data processing showed that the TPF variable had a positive and significant against ROA. CAR, FDR, and PPAP variables do not own influence significant against ROA. Then the NPF variable has an effect negative and significant to ROA, while TPF moderated NPF variable has an influence positive and significant against ROA.
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